BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-06
Company: Americor Funding, LLC
State: CA
Product: Debt or credit management
Sub-product: Debt settlement
Issue: Confusing or missing disclosures

Complaint:
Hi. I needed credit card relief so I reached out to XXXX XXXX about helping me. I had never been late with payments but was struggling. They said they would be able to help by reducing my balances. I agreed even though their explanations aren't always clear. I began the program with them in XX/XX/XXXX. I'm not clear about my full beginning balance or payment because when I try to read my original contracts in my e mails it says those documents are expired but I do know my payments were about {$410.00} a month. Afew months in and they said i was no longer working with XXXX XXXX but with Americor, which was not totally ok with me i was skeptical but i believed what they were saying. Now I log in to my portal to check my statement and it says I began their program XX/XX/XXXX with a {$9400.00} balance. My payments are now {$390.00} and I now have a balance of {$7500.00}. I believe my account was refinanced but i was never told that's what was happening. Iam besides myself reading that I've been paying about {$400.00} for close to 19 months and my debt has gone down {$1900.00}. I have been paying more on interests than my principal.

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 2023-09-28
Company: EQUIFAX, INC.
State: FL
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:
Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX Balance Owed : {$28000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: AMERICAN EXPRESS COMPANY
State: LA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
According to codes statues herein it is unlawful to denie access to ones XXXX XXXX XXXX estate to the Cesti Que vie Act of 1666. According to 15 U.S.C 41 we all have Equal credit opportunity after i gave them my exemption bond No. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: EQUIFAX, INC.
State: AZ
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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: I.C. System, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
I have been contacted by XXXX and talked to abusively by their executive liason. In addition, I have been receiving collection calls after XXXX XXXX  from IC System Inc. I am requesting that these companies no longer contact me. I don't owe {$27.00}. How embarrassing for these companies... they spend more money in labor trying to collect a fraudulent bill from XXXX.

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 2020-07-25
Company: Amsher Collection Services, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I owed XXXX XXXX XXXX they sold my debt to a debt collector by the name of Amsher Collections and I paid them a Total of XXXX dollars because thats what they said I owed XXXX when I complained over it being on my credit for the wrong amount, Well XXXX   told me I only owed them XXXX so that I over paid So they were going to send me a debit card with a refund amount of XXXX they said they done that on the XXXX of this month however I woke up this morning and now Amsher collections just hit my credit again for XXXX this is rediculous I litteratly just paid almost XXXX worth of debt off my credit and they are acting as if I have not paid them an I have receipts an proof an emails from both charter an Amsher somthing needs to be done please

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: EQUIFAX, INC.
State: NC
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:
The unverified items indicated below continue 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 these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06
Company: CREDIT ACCEPTANCE CORPORATION
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
A contact this company to open a investigation for contract discrepancies over charge after that complaint they offer me a reduction a dont accept and they report a payment on XX/XX/2020 never happened report last day of payment report different payment history balance payment history in XXXX and XXXX a dispute and they validating and keeping like correct damaging my credit score violating my right If a consumer notifies a furnisher, at an address specified for the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. Section 623 ( a ) ( 1 ) ( B ). 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 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 2023-10-09
Company: EQUIFAX, INC.
State: CA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX  XXXX XXXX Balance : {$470000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$470000.00} XXXX XXXX XXXX  XXXX XXXX Balance : {$470000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: CL Holdings LLC
State: AK
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I had a XXXX account back in XXXX and I removed my account in XXXX when I got married. The was other people on the account and it closed early of XXXX. Money was owed but it wasnt me who owed it. Also a second account by XXXX was opened and tried to bill me but I told them it was my phone number or me who opedned the account and had to contact XXXX twice to close that account. It was brought up again in XXXX but disputed and closed. Now in XXXX it is brought up by Jefferson Capital Services who put a debt collection on my credit report. But it also doesnt show its from a XXXX account it shows it as a new account from XXXX, making my credit score lower. I never record a call or mail in the paper about the collection, I o my noticed when I had to check my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: WELLS FARGO & COMPANY
State: MN
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i never signed for any of these charges and I never provided my credit card as none of these charges show that my credit card was swiped or used. 

I contacted WF when I saw the charge on XX/XX/XXXX that this was not my charge and that I had heard from XXXX that they had issues with charges being placed on credit cards from information they had obtained. XXXX directed me to contact WF to remove the fraudulent charges. I asked WF to block this merchant so it would not occur again and they stated they blocked them. I contacted WF and asked them to block this merchant every time another charge appeared the next month. WF told me they blocked them but failed to do so. Finally, the last month a charge appeared WF informed me that it showed that I requested to block the merchant but the prior reps had not properly blocked the merchant so this rep blocked them. Then no more charges appeared. 

I have filed this Complaint and Reconsiderations with Wells Fargo multiple times and they just ignore it, fail to remedy, and state that I am responsible because I continued to pay on the account as several letters from WF state. They claimed it was sent to fraud and nonfraud. 

I was told immediately that the person handling this matter was new and failed to properly file the claim. WF may then have been out of time to file the claim so failed to resolve it. 

i will never pay for these charges as they are not my responsibility. WF mishandled the claims all along and are responsible to correct them. This has taken up huge amounts of my credit, caused huge interest charges, and lowered my credit as a result.

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 2023-12-06
Company: BOEING EMPLOYEES CREDIT UNION
State: WA
Product: Credit 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:
XX/XX/ {$5600.00} was transferred out of my credit card account that was supposedly already cancelled by BECU. According to them I gave my personal information to the other party involved. I had not given any information out. The bank has been contacted by myself on multiple occasions and have not called my back with updated information. I have filed a police report for fraud and haven't heard anything from that also. Meanwhile my account is still being charged late fees and interest fees. They have started to pull those amounts out of a checking account associated with the credit card.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: Resurgent Capital Services L.P.
State: FL
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: Investigation took more than 30 days

Complaint:
I dispute a collection agency call resurgent on my credit report for transuion on XX/XX/2023 and I have not heard anything from them

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: DISCOVER BANK
State: CA
Product: Credit 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:
received an empty box from this XXXX XXXX, need help!!! 
need my money back, did not get what i ordered!! 
They have no customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX-XXXX  XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: PLANET HOME LENDING, LLC
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX XXXX transfered loan to Planet home lending XX/XX/XXXX without transfering payment XX/XX/XXXX + additional {$760.00} trying to attach a tax impound account that was not due or correct.Planet Home LENDING REFUSED TO ACCEPT CANCELED CHECKS ALONG WITH letters from the tax office to clear up the wrong information.Planet kept changing every month two three times in the month payment amount.From {$980.00} to {$3100.00} on a fixed rate loan.I was able to obtain some records online in XX/XX/XXXX ( After that Planet changed my online access so that i could not get history ) PRICIPAL CURTAILMENT + MISAPPLIED FUNDS + REVERSAL SHOW up yet no explaination or consistancy in the billing.The middle of XX/XX/XXXX I spent hours on the phone to get answers on why i could not get a copy of the so called billing to compare it to my real payments.Or a copy of the TRUST DEED who was the investor .To get transfered to a Man ( in private client of Planet Home Lending ) NOW I AM REALLY AFRAID OF WHAT IS GOING ON ... .HE claimed i have a comercial loan ... I have a copy of the appraisel shows residentail single family homes XXXX conforming legal houses on a single lot all seprate meters garages yards .Neighborhood is also small income residential property ..Planet is changing my loan ... ..refusing to get me who this investor is... THEY HAVE TRIED EVERY AVENUE TO FORCLOSE ... I HAVE NEVER MISSED A PAYMENT ... ... I HAVE LETTERS FROM THEM TO SUPPLY CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit 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 have an Amazon Store Card that has a XXXX balance and 2 months in a row they continue to tell me I have a balance due. Called Amazon in XXXX and they confirmed I owed nothing and gave me a {$20.00} Gift card. Again, In XXXX, Received a payment due email when nothing was due. Called Amazon and they said they would clear it up again. Not sure how many people are not paying attention and paying when they shouldn't!

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 2018-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have a credit monitoring program and was twice Alerted. I had been very busy and when I took the time to review, I saw two unauthorized hard hit entrys :.

1 ) XX/XX/2018 Transunion for XXXX XXXX and 2 ) XX/XX/2018 XXXX for XXXX XXXX I contacted XXXX XXXX and XXXX advised reports were ordered by XXXX XXXX XXXX and submitted a dispute on my behalf. 

I then called XXXX XXXX XXXX and supervisor XXXX XXXX advised that Section 9 allowed them the authority to order these reports without specific written consent and no further action would be taken. 

I disagree and believe they should remove these entries where ever applicable. 

Thank you, XXXX XXXX

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 2018-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
TRANSUNION continues to report a collection account on my report despite of me disputing it for the third time now. The collection account has many inaccurate information thats being reported. I also requested method of verification and got no respond. Collection agency reported account account without contacting me and said it can not be disputed. Collection agency also re-aging this account

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 2022-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 i sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items for my credit report. It has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX XXXX and may have got into the hands of the wrong person. I already created FTC report to request a remove on the items but there is no changes that has made

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 2023-04-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
submitted a complaint with Bank Of America. They had charged me a late fee of {$49.00} twice, once in XXXX and once in XXXX. The reason for the fee is when I paid my bill due by the due date- which was {$200.00} and I paid {$200.00} in XXXX and {$250.00} in XXXX when i paid {$250.00}. When making the payment there was not a warning that I was XXXX cents or XXXX cents short. I made the payment by the due date. So the charge was once day later as well. Upon submitting my compliant, a XXXX XXXX took weeks to respond, called me once and didn't return my call. And sent a letter stating he would not be refunding me the money. 


Bank of America should not be able to charge {$49.00} when the bill was paid on the due date. They shouldn't have a late fee for anything less than a dollar. I hop the cfpb will take action to audit this business practice.

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