BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-24
Company: SUN LOAN COMPANY INC.
State: AR
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I am filing this complaint for a third time, because Sun Loan has still refused to address my complaint. My complaint is not about reporting or not reporting of my account. On or about XX/XX/2023 I filed a complain through the Consumer Financial Protection Bureau. In this complain I made a demand for Sun Loan to cease any and all communication with me, which is my right under Federal Law, 15 USC 1692c ( c ), as well as Arkansas State Law, ACA 17-24-504 ( c ). On or about XXXX, XX/XX/2023 I received a call from XXXX, which belongs to Sun Loan . Then I received another called on or about XXXX, XX/XX/2023, from XXXX, where the caller was identified as XXXX and who identified themselves as a Sun Loan employee. Both of these phone calls are clear violations of 15 USC 1692c ( c ), as well as ACA 17-24-504 ( c ). Under each of these laws I'm afforded civil damages of up to {$1000.00} per violation. On or about XX/XX/2023, I filed a complaint with the Consumer Financial Protection Bureau demanding that Sun Loan address this complaint. At which time, I gave Sun Loan 30 days to address the violations or I would be filing a lawsuit for damages under 15 USC 1692c ( c ), as well as ACA 17-24-504 ( c ). The date for this action is XX/XX/2023. If the violations are not addressed by this time I will be filing a lawsuit for violating the aforementioned laws. I will also be filing for relief of {$1000.00} per violation per law. At this time, my only settlement offer is to file to vacate or set aside the judgement against me by them through XXXX XXXX. If their lawyer would like to send me that settlement offer I will sign it as soon as received and I will cease filing complaints. If Sun Loan continues to not address my complain, I will also be filing complaints with the Arkansas State Attorney General, Oklahoma Attorney General, and the United States Attorney General.

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 monetary relief
Consumer complaint received 2022-11-15
Company: Receivables Performance Management, LLC
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Received notice of debt from XXXX XXXX  ( Receivables Performance ) on XX/XX/XXXX for {$1500.00}. 
Contact info : ( XXXX ) XXXX Address : XXXX XXXX XXXX XXXX XXXX, WA XXXX Originally purchased a XXXX & XXXX through XXXX XXXX  that would be added to my phone bill in XX/XX/XXXX. I was told my account was lost on XX/XX/XXXX. When re-opening my new account under the same social security number they couldnt find any of my old information. Then proceeded to tell me I had nothing owed in store. Never received any mail or phone calls of this charge. Assuming if I owed anything theyd update my current account of the balance or not let me open an account until the debt was paid. 

I have no problem paying the balance but it was completely unnecessary and unprofessional for this to hit my credit report due to their failure of keeping record of my account. 

I am still currently in service with XXXX XXXX & my account has never notified me of this old payment.

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 2022-11-15
Company: EQUIFAX, INC.
State: PA
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:
Ive been XXXX and pulled a copy of my credit report it appears that someone open an account in my name that I didnt authorize and my identity was stolen

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
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:
The unverified account indicated below continues to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-14
Company: National Credit Systems,Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I moved into XXXX XXXX XXXX managed by XXXX XXXX XXXX XXXX in XX/XX/2019. An incident occurred at my apartment with a guest and I was asked to move out the apartment complex. I was there 30 days exact. I was told that if I just left that I wouldnt owe anything and that they wouldnt file for eviction. I moved and didnt hear from them. I called to inquire about my security deposit and they told me I should receive something by mail to the address I provided. I didnt hear from them for months. One day I go to check my credit and it says I owed a debt to XXXX XXXX. I hadnt received anything saying I owed anything and being I moved out of the apartment I shouldnt have owed them money. They charged me for a month and a half rent I didnt occupy the apartment they charged me for carpet cleaning to undamaged carpet they took back a special they provided to me at move in and they also charged me to remove a dresser I left and said they would move it at no cost. I never re wives notice of any of this until I called the collection agency they sent the debt to. I called national credit systems numerous times and was never able to get any information from XXXX XXXX which was the woman assigned to my case. After not getting anyway I contacted legal aid to step in to help me. I havent got any help to solve this matter or settle it. I feel this management company is trying to get me out of money I do not owe to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28
Company: Experian Information Solutions 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:
XXXX XXXX XXXX XXXX payments XXXX, XXXX, XXXX, XXXX XXXX XXXX. I was never late and any payment processing issues would have been for technical reasons. I had autopayment setup and never had any issues before. I was not at home during the time of these payment processing errors so I was not aware. I had been in the hospital with COVID symptoms while battling other illnesses related to my combat service in XXXX. I have been determined to be XXXX percent XXXX and am really affected by the stress of fighting to get these late payment records removed. They were not mine. I always have money and savings. Please do not hold me accountable for technical issues and health issues. Please show compassion. I suffered identity theft at that time, and its possible that a card was locked by my bank while I was in the hospital and overseas. I was not aware of any issues. I have paid off the card completely with a large payment months ago. Please don't keep me begging for this to be resolved. Please escalate to a XXXX that could help me with this request. I am exhausted with this. I deserve to be believed and help. I have paid this debt in full. It clear that I wasn't trying to avoid paying the debt. I have been an exclusive lifelong customer. Please do not punish me for being incapacitated and not ware of the technical issues that may have caused payment processing errors. Also why is XXXX reporting my account as closed? There is such inconsistency here. Even the dates of last update were different on some of the credit reports. Please delete this late payments. They are not the result of me not paying. Its a technical issue that was resolved later than we would have liked.

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 2023-08-07
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I asked Synchrony Bank then its collection agency over 15 times for an itemized bill to settle the debt for 2 years. The attorney general has asked these companies 3 times to set the debt. The XXXX XXXX XXXX  twice for an itemized bill. All the while charge enormous penalties and interest charges. As a former XXXX XXXX XXXX XXXX, I am applaude and have never seen such blatant disregard for consumer law and predatory lending. The account is now in litigation.

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 2023-03-17
Company: JPMORGAN CHASE & CO.
State: WV
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:
XXXX shows three hard inquiries that are not mine shown listed below XX/XX/XXXX JPMCB Card  Services XX/XX/XXXX JPMCB Card Services XX/XX/XXXX XXXX XXXX XXXX I have contacted all creditors and credit reporting agencies about this matter and have verified that all inquiries are fraudulent but yet the hard inquiries have not been removed from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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/2022 Transunion is reporting a bankruptcy on my credit report and they put in the furnisher as being the United States Bankruptcy Court Southern District of Mississippi which is false. I have attached a letter from the United States Bankruptcy Court Southern District of Mississippi dated on XX/XX/2022 verifying and stating that they do not furnish information to the credit bureaus or any other credit reporting agencies. Nor do they validate any information concerning bankruptcies. Transunion is falsely stating this information on my credit report and yet to remove this from my credit report.

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 2021-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
When trying to get one of my free annual credit reports, Transunion asked for my email and telephone number. From what I read on this website, I do not have to provide those. I don't remember having to ever have to do that before and I didn't have to do that for XXXX. I would like my report without having to provide that information. I tried calling XXXX  number but couldn't select options to talk to a person. I've also filled out their contact us form online but they said they won't mail me anything and they didn't ask for my phone or email. Please tell Transunion to remove the email and phone number requirement.

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 2023-08-07
Company: Credit Central Holdings, LLC
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
We are having an issue with the creditor from Credit Central loan & taxes coming to our front door of residence asking us for monthly payment. Its been about three weeks now that we are going through XXXX XXXX XXXX in turn using XXXXXXXX XXXX XXXX  for legal representation. This is the second time Credit Central here in XXXX, South Carolina has physically came to our home and harassed us for payment and they have been sent a notification from XXXX XXXX XXXX. We wish to file this complaint against Credit Central please. Please feel free to contact me at anytime and thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2023-08-07
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have no knowledge of the following items listed on my report. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Please delete these items immediately. These accounts shouldn't be furnished on my consumer report as they are in violation. Under 15 U.S Code 1681b - permissible purposes of consumer reports ( A ) in general subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instruction of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. No consent is identity theft. As a consumer I am demanding the deletion of the accounts listed immediately as I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28
Company: DISCOVER BANK
State: NY
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: Card was charged for something you did not purchase with the card

Complaint:
A Fraudulent electronic purchase via mobile phone for 2 items was made on XXXX XXXX, at XXXX XXXX by using my Discover card. The purchase was made in TX, XXXX for {$1800.00} Initially the shipping label was created with my ( Credit owner ) address, but the purchaser contacted carrier ( XXXX ) and has changed the delivery location to the XXXX pick-up point in XXXX XXXX XXXX NY Then Unknown person picked up 2 packages on XXXX XXXX at XXXX location 2 items were returned to XXXX XXXX at XXXX location on XXXX XXXX and exchanged on the same date for XXXX Products XXXX {$1800.00} Summary : Discover card was credited by " XXXX XXXX '' with the difference b/w the purchased and exchanged items for amount of {$1.00} and now is charging me, as a card holder, for the rest of amount = {$1800.00} Actions that were taken by me : XXXX. Dispute charges were initiated with Discover card 3 times. Case is closed XXXX. Discover card was cancelled XXXX. Police report was filed for XXXX XXXX  / ID theft XXXX. Opened 3 cases with XXXX XXXX- did not get approval for refund

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30
Company: Shellpoint Partners, LLC
State: MI
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
my mom took out loan against house to pay bills ( XXXX ), she passed away in XXXX, never missed or was late with payment, house quick deed to XXXX sons XXXX daughters, XXXX mortgage company ( XXXX ) which has since filed bamkrupcy and sold mortgae raised monthly payment from XXXX to XXXX, made some payments for that amount then my girlfriend got XXXX had to miss alot of work, tried several times to work out something, XXXX dragged it out till XX/XX/XXXX even agreeing to modification in XX/XX/XXXX, i made 3 payments of agreement all on time, XXXX XXXX XXXX, after payments recieved XXXX negated loan agreement and wanted payments of XXXX per month, tried several times to resolve with them, then sold mortgage to shellpoint XX/XX/XXXX, shellpoint will not work with me or give me any information scheduled foreclosure sale XX/XX/XXXX, i have no way to defend, can i get any help?

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: EQUIFAX, INC.
State: CA
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX  : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

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 2023-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have been working on my TRANSUNION credit profile and I noticed there is an incorrect addresses on my report. If you can also take a look at my name appearing incorrect as well. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. 

The incorrect names are XXXX, XXXX, XXXX ; XXXX, XXXXXXXX XXXX  and XXXX, XXXX, XXXX. 


The INCORRECT Addresses are XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX and there is XXXX XXXXXXXX XXXX XXXX, OH XXXX. With that being said, my correct address is XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX. I am also showing an incorrect EMPLOYER of XXXXXXXX XXXX XXXX and there is XXXX XXXX XXXXXXXX showing that needs to be deleted. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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