BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-27
Company: Carter-Young, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Carter Young has an account from a dorm where my daughter lived when she attended college, but left owing when she quit school. The debt is listed as a joint responsibility on my credit report. I have requested from Carter Young to send me documentation with my signature on supporting documentation and the flat out refuse. I spoke to 3 managers today and each one refused to send me the documentation. Not only that, but they will not allow my daughter to make payments. So each time we save up the money, then attempt to make a lump sum payment, the amount increases by {$100.00} or more. The original debt, was {$700.00}, but is now up to {$4300.00}. Which, in my opinion, seems excessive. The last I spoke to them today, they told me the only way to pay now is via XXXX XXXX, which I have never heard of using to pay a debt. They also refuse to send a letter once payment is made showing the debt is paid. Also, their website has been blocked from us making a payment via online. This company has a very bad reputation and if you view other comments, others have had the same situation happen to them as we are having now. Again, they have refused to submit any documentation with my signature showing responsibility for this debt. My daughter has told them it is her debt and not mine, but they still refuse to listen. Can you pleas assist me. I truly believe their business practices are unethical. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-23
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
hello, I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/XXXX I received a bill for XXXX. On XX/XX/XXXX I sent a letter via certified mail that requested this debt be validated along with a cease and desist of all communication. Along with a invoice for violations of 15 USC 1692b ( 5 ), 15 USC 1692 f ( 8 ) and 15 USC 1692 d. On XX/XX/XXXX I received another phone call from this company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX sent a pre legal notice in the mail. I called to settle my debt, but XXXX refused to send any information without me providing my checking account information. I was very concerned with this request so went to there website I was able to set up an account, but not able to submit a payment online. I then called XXXX directly to confirm my debt was sold to XXXX XXXX XXXX, XXXX did sell my debt to XXXX. I then decided to provide my checking account information with the understanding that I would receive a letter confirming payment will be taken out on XX/XX/19. The payment was pulled from my account on XX/XX/19, when I called requesting confirmation of payment XXXX refused then proceeded to tell me to call back and maybe they would be able to help. 

I am more than willing to pay the debt I owe, I'm just very concerned I have been scammed. I dealt with other collection companies in the past and have never had any issues.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/XXXX I received a bill for XXXX. On XX/XX/XXXX I sent a letter via certified mail that requested this debt be validated along with a cease and desist of all communication. Along with a invoice for violations of 15 USC 1692b ( 5 ), 15 USC 1692 f ( 8 ) and 15 USC 1692 d. On XX/XX/XXXX I received another phone call from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/XXXX I received a bill for XXXX. On XX/XX/XXXX I sent a letter via certified mail that requested this debt be validated along with a cease and desist of all communication. Along with a invoice for violations of 15 USC 1692b ( 5 ), 15 USC 1692 f ( 8 ) and 15 USC 1692 d. On XX/XX/XXXX I received another phone call from this company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08
Company: Designed Receivable Solutions, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The original creditor Hospital is closed. Reporting on 2 credit reports as different names and amounts but both reports show the same address as the debt collection agency. Sent Hippa Validation letter never received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AV XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$4500.00XXXX XXXX XXXX XXXX  Balance : {$1600.00} XXXX XXXX XXXX Balance : {$7700.00} XXXX XXXX XXXX XXXX Balance : {$8100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: Radius Global Solutions LLC
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was a victim of Identity theft. I thought this issues was resolve after filing at fraud dept. and spoken to them regarding this matter. Just this week I receive a billing statement from a collector.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: ALLY FINANCIAL INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Since XX/XX/XXXX Ally Auto XXXX tried to debit over {$3000.00} out of my account instead of {$660.00}, my normal payment. After XXXX contacted me about the unusual amount trying to be debited from my account Ally Auto has insisted that I have been behind in my payments. Ally has stated that since XX/XX/XXXX I have not been paying within the 30 day thresh hold but yet and still my online mobile account shows payments for each month, late but paid. 
There was a question about a returned payment for XX/XX/XXXX. After sending the bank statement ( redacted ) which displayed the payment was available and withdrawn by Ally Auto, my credit report has been tarnished drastically by Ally Auto stating I am 4 months behind. I have all of the payment receipts and bank withdrawals. 
There were times when Ally would debit the account due to autopay before my direct deposit was there and the bank would not honor the payment. I would manually make the payment the same day later in the afternoon and Ally would resubmit the payment through the bank and it would come back as insufficient because I would have made the payment manually.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Previous complaint XXXX was closed after Amex replied and promise to return my money back. However, Amex actually does not return the money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-23
Company: Diversified Adjustment Service, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
This was taken off by XXXX. This debt was already removed before and another credit collection agency bought my debt!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2023, I filed a CFPB complaint under complaint Id XXXX demanding ( XXXX ) an immediate update of my mailing address to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) that you STOP, CEASE and DESIST from any further direct and indirect communication with me of any kind imaginable, including, but not limited to, phone, text, email, social media, UPS, XXXX, courier, XXXX mail or otherwise ; and ( 3 ) To the extent that the credit card agreement has an Arbitration clause, I hereby elect, choose and demand resolution of any and all claims and counterclaims with forced binding private arbitration with the XXXX XXXX XXXX XXXX XXXX, litigation in any court is prohibited due to my election and demand to Arbitrate. Any improper communications will incur liability pursuant to the FDCPA. Failure to promptly update my address with an interim update with every credit reporting agency shall be deemed to be an additional willful violation of the FCRA for which statutory damages of {$1000.00} shall be owed. Not only has the bank failed to change my address based on my phone call of XX/XX/2023 but the bank has violated the Cease and Desist order. Fix it!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I placed an order on XXXX XXXX. I paid {$110.00}. In that order I returned three fleece jackets. I did not receive a credit. I called Romans the credit card company. I spoke to XXXX the supervisor. He did not solve the problem. I called Comenity bank associated with romans credit cards. On XX/XX/XXXX XXXX from comenity transferred me to the credit Dept. I spoke to XXXX and she said they will wait for the return. I spoke to XXXX on XX/XX/XXXX. He placed the dispute for the credit owed to me. I have a confirmation no. XXXX. On XXXX XXXX I spoke to XXXX and closed the account. He told me do not pay on card until dispute is settled. As of this date I believe it is not settled. On XX/XX/XXXX I closed the other accounts with Comenity ( womanwithin, XXXX XXXX XXXX XXXX assisted me in closing the accounts. On XX/XX/XXXX I returned the jackets that were sent after account closed. I have returned five jackets. I have ordered anything since the account is closed. I found out there was an item sent XX/XX/XXXX. I spoke to XXXX ( a lady ) and she said she will take off the charge but can not do anything about late charges and interests. She transferred me to the credit Dept. And the hung up the phone. I owe this company nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I contacted customer service to figure out how to setup recurring credit card payments at a fixed amount to pay off the balance. I was told they no longer off this service. I feel that this is a predatory lending practice to remove features that limit the borrower 's options to repay the debit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: First Federal Credit Control, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I had a hit on my credit report for {$560.00}. I was notified by XXXX XXXX and XXXX XXXX. When I opened it to see what it was from, it said collections from First Federal Credit Control. I have never heard of them and was never notified by them at all. I had no knowledge of this debt, received zero debt validation. So I called the number listed and the lady ( XXXX XXXX ) was the rudest person I have ever spoken to, even hung up on me multiple times. Just kept telling me to pay it and she will remove it from my credit, but could not tell me what the amount was for and why it was so much. She said they tried sending me something in the mail, but it was returned to them since they had the wrong address. So she acknowledged that I never received anything in writing regarding this debt. After finding out the bill amount from the doctor 's office, the collections agency still said the amount is {$560.00}, when the original bill was {$460.00}. She told me she can't do anything about the amount and that I need to pay it. I asked multiple times to be transferred to someone else or a manager and they just kept hanging up on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE NOTICED I HAVE MANY INSTANCES OF MISINFORMATION REPORTED ABOUT ME, EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING THE INFORMATION I BELIEVE IS IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT. I HAVE NOT AUTHORIZED ANYONE TO MISUSE OF MY PERSONAL OR FINANCIAL INFORMATION. PLEASE PHYSICALLY VERIFY ALL ACCOUNTS, DATES, NOTATIONS, BALANCES, CALCULATIONS, ACCOUNTING RECORD, WHETHER RECORDED OR NOT TO INCLUDE METRO2 426-CHARACTER P6 STATEMENT, 5 PART PERSONAL IDENTIFIERS AND ALPHA NUMERIC AND ALPHA NUMERIC SOURCE CODES AND DELETE/BLOCK PERMANENTLY THE REPORTING OF ANY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX, I am the living man, executor, beneficiary of XXXX XXXX. It has come to my attention that although I have written several letters asking for validation of debt, audit trails si am not getting any response because of the automated system you have in place which in fact is a violation as well.. I am demanding these accounts to be removed immediately off my credit report as it is in violation to the following federal constitutional laws 15 USC 1681 ( a ) ( e ) 15 USC 1691 15 USC 1601 15 USC 1692 I am afraid these three credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality, and a respect for the consumers privacy. 
I did not give consent to these accounts. 

I have remained humbled despite the stress, abuse, and harm thee three credit reporting agencies have done to me. 


DELETE THESE ACCOUNTS :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27
Company: Netspend Corporation
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Hello, On XX/XX/2019 unauthorized charges were made on my NetSpend prepaid debit card account totaling XXXX. These charges were made in XXXX XXXX, FL and I live in XXXX, Mo. I disputed these charges with NetSpend and was informed to contact them today XX/XX/2019 for provisional credit. As advised I contacted them today and found out that they are holding me liable for these charges because my account shows that it's set up with text and email alerts. I informed them that I only get deposit information to my phone, however I do not get information when charges are made on my card. The email address they send alerts to is one that I don't have access to and haven't in years. I am desperate because this was all the money I had in my account and they are refusing to give it back to me. They didn't apply a provisional credit to continue the investigation and have closed the dispute. I am fighting for my funds back because I was in XXXX XXXX while this person was charging my card and when my card was locked, I tried calling them but their line was closed. I had no choice but to wait until the next morning to dispute. Please help me!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
Company: LoanCare, LLC
State: WY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
We Applied for and was approved for Covid forbearance, when we applied and was approved we were current on our fha mortgage. When we were coming out of forbearance they sold the account to XXXX, we worked out a loan modification with XXXX Fast forward to today we are selling the house involved, its under contract due to close XX/XX/XXXX We applied for and got denied for a new mortgage due to loancare the original loan company not reporting the payments as late but what they did do was write in the status more than 120 days late. This is the only reason our new mortgage was denied Per the Covid forbearance laws it was stated if you were current on your mortgage when you were approved, which we were then there will be no negative impact to your credit I have emailed and called loancare and have gotten nowhere on getting this resolved

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax and XXXX are reporting incorrectly that I am ( 60 ) days late on the XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be past due on an account with a {$0.00} balance. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been  successful.

Company response to consumer: Closed with explanation