BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-06
Company: FC HoldCo LLC
State: MN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have had continuous problems with FlagShip Credit Acceptance. 1st started when I was placed on unpaid CoVid Leave. I called requesting a payment deferment. They said no problem, but my account had to be behind ( account was current ) and I had to pay {$130.00} for process the paperwoork - which I did. Then when I noticed that they never deferred my payment, I contacted them only to find out that they had no record of my contact even though I sent my request via registered mail, email, fax, and by phone. Then while catching my account backup, they blocked my online access to pay my bill - forcing me to make payments via U.S. Mail which taked several weeks for them to process thus creating late fees. My current statement shows last months payment not received yet and current months payment due of {$420.00}. Today, my account finally shows last months payment finally processed and should reflect current months payment not due yet. Instead it shows that {$95.00} is behind, and that current months payment reduced by that amount. If I make the {$95.00} payment, how can it reduce the amount that isn't due yet? Thus, they are forcing me to make my monthly payment early, or are charging me a {$95.00} a month fee to mailing my payment because they blocked my online access, In addition, I have recived robo calls from unpublished numbers from them requesting my bank information. They refuse to put anything in writing. THIS IS FRAUD AND PREDATORY LENDING PRACTICES AND POSSIBLY CRIMINAL!

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 2021-08-07
Company: Fidelity National Information Services, Inc. (FNIS)
State: MN
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 just sent a recent police report to Chex Systems for the fraudulent and unauthorized credit inquiries listed on my Chex Systems Consumer Report ID : XXXX, the following Reported Information and Inquiries Viewed By Others currently listed on my Chex Systems Consumer Report are all fraudulent, unauthorized and not my checking account or credit inquiries : XXXX Checking Account : XXXX, XXXX XXXXXXXX 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 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 XXXXXX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, 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

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 2022-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Bureaus Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX : XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX : XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} TransUnion : XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX  XXXX Balance : {$0.00}

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 2023-02-15
Company: Experian Information Solutions Inc.
State: TX
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 submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX Balance : {$6700.00} XXXX XXXX XXXX XXXX : {$28000.00} XXXX  XXXX XXXX Balance : {$680.00} XXXX XXXX  XXXX Balance : {$790.00} XXXX XXXX XXXX XXXX : {$28000.00} XXXX CARD XXXX Balance : {$1500.00} XXXX XXXX  XXXX Balance : {$6700.00} XXXX XXXX  XXXX Balance : {$28000.00} XXXX  XXXX XXXX Balance : {$680.00} XXXX FCU XXXX Balance : {$790.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$1100.00} XXXX XXXX XXXXXX/XX/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 2021-08-07
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
This is my third complaint with care credit I just made my minimum balance payment on XX/XX/XXXX before that payment I had an available balance of XXXX plus dollars I happened to go on to the account today and now my available balance is {$200.00} I have not been using the card as I'm trying to get my balance back up every month for the past two years they take the majority of my minimum balance payment and put it towards interest now I'm concerned at why my available balance dropped to {$200.00} when I made this payment on XX/XX/XXXX it should have taken my balance well over {$1000.00} at this point I am wanting to close this card out because they are constantly taking my money and putting it towards interest and now they're taking my available balance and putting it towards I don't know what but this is ridiculous at this point again this is my third complaint with this company and I have also filed with 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 2020-04-14
Company: Exeter Finance Corp.
State: LA
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:
Exeter Finance added 120 day late to an account that was 6 years old. This account is hindering me from getting a new home and car. This account was paid with an agreeable to remove the late payment due to the fact that the car was totaled out and the insurance paid for the vehicle I did not have any knowledge that there was a balance and no communication was sent or provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: Genesis FS Card Services, Inc.
State: GA
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 act CB INDIGO  Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07
Company: Freedom Mortgage Company
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Our house payments were supposed to be tacked to the end of the house payments. We have decided to move our grandkids closer to family and sold this house. We included the total amount in the sale. The mortgage company at no time ever told us they were charging further interest on the amount deferred in the amount of {$23000.00}. We knew nothing of this til 15 days til close. How did they have the right to profit from US because of the pandemic? It has left us XXXX short on the house we were moving to and may very well have left us homeless. How do they get to put us in a debt they never told us about so that we could have prepared for this? They owe us nearly {$7000.00} from the equity that they say will take 15 days after close due to Covid. Is this not the same Covid WE are experiencing? Why do the worries and horrors of Covid only allowed to effect them and make them need our money but Covid is supposed to effect US? It seems that this company is taking advantage of this pandemic and the people who trusted them with their business. How does this company see this as legal or moral in this time of pandemic that is even slowing Them down and effecting their entire company. One would expect better customer loyalty from Freedom Mortgage. You would expect More Compassion from Freedom Mortgage during a time like this.

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 2022-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
VALIDATION OF ACCOUNT Account # : XXXX To Whom It May Concern, I neither affirm, nor deny this purported debt. You claim I owe your company $ XXXX. This letter is being sent to you in response to an entry made on my Credit Report dated [ date ]. Please be advised that this is not a refusal to pay the debt, but a notice sent pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) that your claim that I owe you money is disputed, and validation is requested. Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am the correct party, and there is some contractual obligation which is binding on me to pay this debt. This is NOT a request for verification via XXXX  or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section of the Fair Debt Collection Practices Act. Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. Compliance with this request is required under the laws of state and federal statutes. Debt validation includes the following : 1. Who was the original creditor on this account, and what was the account number? 2. What was the original amount owed? Please provide a complete payment history, starting with the original creditor. 3. Please provide me documentation that indicates that I agreed to pay someone this sum of money. 4. What was the original date of delinquency for this account? 5. Agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment. 6. What did you pay for this account, and how did you calculate the current amount owed? I require compliance with the terms and conditions of this letter within 30 days of your certified receipt, or a complete removal from my credit profile, in writing, of your claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with the FTC, and appropriate county, state, and federal authorities. I also hereby reserve my right to take private civil action against your company to recover damages. In addition, the Fair Credit Reporting Act states that while this item is being investigated you must indicate to the bureau that the account is under dispute and will remove/cease from reporting this information to the Credit Reporting Agency until full validation has been completed. I have sent a copy of this request for validation to the three national Credit Reporting Agencies to begin their 30-day investigational process concurrent with your investigation.

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 2022-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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. 

Accounts XXXX XXXXXXXX XXXX XXXX  Account # XXXXXXXX XXXX Account # 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 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 2021-08-07
Company: EQUIFAX, INC.
State: NY
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
Company: Experian Information Solutions Inc.
State: TX
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. 

Accounts XXXX XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX Account # 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 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 2020-08-17
Company: Experian Information Solutions 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:
THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.

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 2022-04-26
Company: DISCOVER BANK
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XXXX XXXX, a payment was paid and processed of {$39.00} on the same date the account was closed due with a balance for only the transaction I made the day before the closure. I contacted discover XXXX that morning no one I spoke with could tell me reason why but told me I could open a new account. Then I was told a supervisor would be calling back in XXXX hours. I never received a call, I was admitted into XXXX on XX/XX/2022 and ended up having XXXX finally receiving a letter of unsuccessful payment activity being reason for closure but I always make a payment after I spend. I was told my refund would be issued once transaction posted. After being in the hospital undergoing XXXX and recovering I reached back out to Discover on XX/XX/XXXX, I was told my refund would be issued in 2 billing cycles, I asked to speak with another supervisor representative said she would get me over to the correct department where he could connect me to a supervisor in the account department after XXXX minutes of waiting I was placed on the phone with a representative in the account department and there were no notes from a previous call or that I requested a supervisor. After asking him for his supervisor given the excuse no supervisor is available to take my call and would call me back in XXXX hours, the same thing I was told last time by a representative in the same level. This isnt right that I have been given the run around for the passed month about my money. Something needs to be done to stop them from doing this to customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07
Company: DISCOVER BANK
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I took Discover card offer for {$45.00} credit for making a {$45.00} purchase at XXXXXXXX XXXX XXXXXXXX. I did it and made a purchase of {$45.00} XX/XX/21. I contacted them and they confirmed to me I did what required and I will get the credit in due course. I contact them again in XXXX, as I did not receive it. I was confirmed again I will get the credit early XXXX, I did not receive then told me by end of XXXX billing cycle, I contacted them Today XX/XX/21, Discard agent told me I am not qualified for the promotion and said to me they got a comment from XXXXXXXX XXXX XXXX that I am not qualified, because I was a existing customer but I am not. The fact is I spent the # XXXX to pay for the membership fee. Discovery card asked me to contact XXXX XXXX  and gave to me XXXX XXXX customer services numbers. I called XXXXXXXX XXXX customer services and they told me they have no knowledge of what is going on with Discovery card. 
THE BOTTOM LINE IS I TOOK THE PROMOTION FROM DISCOVER CARD NOT FROM XXXX XXXX XXXX AND DISCOVER CARD CONFIRMED AND RE-COMFIRMED TO ME I AM QUAILIFIED FOR THE PORMOTION. SO THEY NEED TO KEEP THEIR PROMISE OR THEY NEED TO CONTACT XXXX XXXX CARD TO GET IT RESOLVED NOT ME

Company response to consumer: Closed with explanation