BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-12
Company: U.S. BANCORP
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I received a Debit card from US Bank/Reliacard. I never applied for this card. Upon further research I discovered that this scam is ongoing in Colorado and I'm in Florida. I have tried for hours to cancel this card using all the Phone number and websites provided and can not get through. I have also contacted one of the three credit bureaus ( XXXX  ) to initiate a fraud alert on my account. I called XXXX  and gave them my name, address including Zip code. I gave them my SSN and Phone number and answered some very difficult questions ( i.e. what's the current balance on one of my credit cards ). I was told that is not enough information to initiate the fraud alert. I GAVE THEM ENOUGH INFORMATION TO OPEN A CREDIT CARD IN MY NAME BUT NOT ENOUGH THE PUT A FRAUD ALERT ON MY CREDIT INFORMATION. I asked to speak to multiple supervisors to no avail. Please help us all!!!

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 2020-06-03
Company: Experian Information Solutions Inc.
State: AR
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:
My mom informed me that I received a letter in the mail from where I used to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items 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 explanation
Consumer complaint received 2023-05-25
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2020-08-12
Company: Experian Information Solutions Inc.
State: MA
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:
Good Afternoon Leader ; I was going through my credit again this month in regards to 3 credit cards I had with XXXX  XXXX XXXX company which I had resolved and paid them off completely as you can see the attachments. But it continues to report incomplete, unverifiable, inconsistent, & errors on my credit report which is drastically impact my family 's financial goals. When I reached out to the 3 major credit bureaus, Experian, delete them all for violation and inaccuracies, but the other 2 still report with the same error. How is it possible you continue to say that you verified if the balance still shows the same and all the errors that i pointed out. I was told by the original creditor that you would delete them. Please comply and help me out. Streamline the process! Thanks!

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 2021-11-07
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: Account status incorrect

Complaint:
I closed my account with XXXX XXXX XXXX and they are still reporting this as open and still charging fees. They refuse to close the account and remove the fees. I have contacted everyone about this once before. They are a predatory lending agency. They never stop charging fees even after the account is closed. After I closed the account I waited for a final statement in the mail. It never came. Instead they kept the card open and reported late charges. This is ruining my credit! I have asked them more than once to stop and remove the fees they sent me a letter saying they would take off XXXX! That is not acceptable At All! And they are still charging me showing an open account on my credit with all 3 credit bureaus!

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 2023-09-12
Company: Mr. Cooper Group Inc.
State: ME
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
I paid my XX/XX/2023 payment which was part of a series of Trial Payments. After the loan modification was processed, my statement said I was due for XX/XX/2023 again. I have filed a complaint with the bank and nobody has contacted me to fix this issue. I'm retired and on Social Security. I have also been charged late fees that should be refunded. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: EQUIFAX, INC.
State: NC
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX 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 the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$560.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$620.00} ; XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$520.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$130.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/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 XX/XX/XXXX ; XXXX XX/XX/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 XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-19
Company: Resurgent Capital Services L.P.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Re : {$680.00}. I do not owe any money to this company. Cease & Desist letter sent to the company. This company had a judgment filed against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have disputed accounts on my consumer report, reporting inaccurate information. XXXX, Transunion, and XXXX is showing inaccurate and misleading on the following accounts... 

XXXXXXXX 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 non-monetary relief
Consumer complaint received 2020-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
Good Afternoon Leader ; I was going through my credit again this month in regards to 3 credit cards I had with XXXX  XXXX XXXX company which I had resolved and paid them off completely as you can see the attachments. But it continues to report incomplete, unverifiable, inconsistent, & errors on my credit report which is drastically impact my family 's financial goals. When I reached out to the 3 major credit bureaus, XXXX, delete them all for violation and inaccuracies, but the other 2 still report with the same error. How is it possible you continue to say that you verified if the balance still shows the same and all the errors that i pointed out. I was told by the original creditor that you would delete them. Please comply and help me out. Streamline the process! Thanks!

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 2020-01-30
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Complaint being reinstated since American Education Services ( AES ) does not believe the information I have provided. I am including an example of their customer service representatives interaction. I believe that AES is basically calling me a liar since they denied all the information I detailed in my complaint. 

I have been removed from American Education Services ( AES ) borrower benefit program ( BBP ) that reduces interest rates by 1 % after 36 months of on time full payments unfairly and due to AES steerring me away from their automatic direct debit payment program. I was removed from the program due to a payment that was a few weeks late and a payment that was {$94.00} short of the payment since I was looking at an old bill. Had I been enrolled in their automatic debit payment program like I wanted to I would not have missed these payments. I was steered away from their automatic debit payments due to incorrect and misleading information. It is my belief that AES will not let customers that are trying to get into their BBP set up automatic debit payments since this will make it mush easier for them to qualify for lower interest rate. I was told in XX/XX/XXXXthat I could not set up automatic direct debit program to pay more than the minimum payment. I wanted to pay more to pay my loans off sooner so I did not set up automatic direct debit payments at that time. I again questioned automatic direct debit payments on XX/XX/XXXX and was told that " Unfortunately the lender does not allow a paid ahead status '' and I could only make minimum payments using automatic direct debit payments and would have to send two bills to make extra or over payments. Since then I have found out that I can pay any amount over the minimum payment. AES continually gave me incorrect and misleading information. I have e-mailed AES customer service over 6 times the past 3 months with out any reply or a response about the incorrect information I was given. The continue to not take responsibility for their actions in this circumstance and have denied my request to honor the 1 % interest rate reduction I should be qualified for since XX/XX/XXXXthat has resulted in 10 years of AES collecting higher interest rates from me unfairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
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 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 XXXX. 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 2022-12-19
Company: PACE Funding Group, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
XX/XX/22 DocSigned contract with XXXXXXXX for XXXX install ( XXXX XXXX ) XX/XX/22 XXXX Install began XX/XX/22 XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) phones me and talks me through finalizing payment online XX/XX/22 XXXX Installers complete install XX/XX/XXXX XXXX Phone from XXXX XXXX XXXX  ( XXXX selected financier ) asking if job completed and satisfactory. Answered yes prior to inspection and without ant XXXX knowledge XXXX contracts with XXXX XXXX Financing Account # XXXX XX/XX/22 Inspection permit pulled XX/XX/22, after install ; XXXX XXXX  installed rather than XXXX XXXX as stated on contract XX/XX/22 Email XXXX XXXX Financing regarding XXXXXXXX XXXX  failure to get documents to me ( warranty, contract, inspection ) XX/XX/22 XXXX XXXX XXXX Financing opens investigation into XXXX XXXX business practice. XXXX XXXX contacted by XXXX of XXXX XXXX XXXX and advised proper install of XXXX XXXX XX/XX/22 XXXX XXXX  has failed to conduct inspection. City of XXXX XXXX conducted inspection and sited 7 install violations. Installer informed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 lured me to leave XXXX to XXXX   for a job. A little over a month into the job I got understand the job was not what they had advertised. The job I applied to and was willing to do was that of a XXXX XXXX, but XXXX had me taking phone calls all day long in a XXXX XXXX from irate customers. My education and training as a XXXX XXXX personnel was not being put to use. So I decided to look for other opportunities that best suited my skills and would add value to my career. 

After quitting In XXXX of XX/XX/XXXX, XXXX XXXX decided to come after me to repay the relocation package I was offered. 

On XX/XX/XXXX, my Attorney sent a letter to XXXX XXXX in an attempt to resolve the debt XXXX is asking to collect in the amount of {$3500.00}. 

XXXX never responded even after a second attempt was made to get them to resolve the matter. The letter from my Attorney to XXXX XXXX is attached. 

Now the record is on my credit report with damaging effects.

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 2023-03-02
Company: Experian Information Solutions Inc.
State: LA
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. 

Account name : XXXX Account number : XXXX, Account name : XXXX Account number : XXXX, Account name : XXXX Account number : XXXX, Account name : XXXX XXXX Account number : XXXX, Account name : XXXX XXXX XXXX XXXX  Account number : XXXX, Account name : XXXX Account number:XXXX, Account name : XXXX Account number:XXXX, Account name : XXXX Account number:XXXX, Account name : XXXX XXXX Account number:XXXX, Account name : XXXX Account number:XXXX, Account name : XXXX XXXX  Account number : XXXX, Account name : XXXX XXXX  Account number : XXXX, Account name : XXXX XXXX  Account number:XXXX, Account name : XXXX XXXX  Account number: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 2020-08-12
Company: Experian Information Solutions Inc.
State: AR
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 received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. DEPTEDXXXX   XXXX {$4000.00} DEPTEDXXXX XXXX {$2000.00} DEPTEDXXXX XXXX {$2000.00} DEPTEDXXXX XXXX {$3300.00} DEPTEDXXXX   XXXX {$1000.00} XXXX XXXX $ XXXX DEPTEDXXXX  XXXX {$420.00} DEPTEDXXXX   XXXX {$3500.00} XXXX XXXX {$160.00} XXXX XXXX XXXX {$250.00} XXXX   XXXX {$1600.00} XXXX XXXX XXXX {$87.00} XXXX XXXX XXXX {$50.00} XXXX XXXX {$230.00} XXXX XXXX {$980.00} XXXX   XXXX {$59.00}

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 explanation
Consumer complaint received 2021-11-06
Company: Amsher Collection Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX  XXXX  finished my policy and they still attempted to collect without notice XXXX XXXX has 2 collection agencies after i closed the account and never had a contract with them

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: SYNCHRONY FINANCIAL
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I co-signed for my daughter to have an operation. She was evidently making payments, but she encountered some problems and stopped paying. She was entered into a long-term drug rehabilitation center and stopped paying CARE CREDIT ( Synchrony Bank ) . I was never informed of this ; however, I was receiving mail for her from Care Credit. I opened the mail since she could not be contacted at that time. I saw that she was delinquent. I called Care Credit and made arrangements to pay the account off with three equal payments of {$370.00} and a final payment of XXXX. 
I added this plan to my Bill Pay with XXXX XXXX to comply with the agreement. XXXX XXXX sent the payments on time as agreed and forgot about that account. Care Credit never contacted me after the agreement. 
I applied for a line-of-credit with XXXX XXXX, and they turned me down because the credit bureaus reported a chargeoff with Care Credit. I investigated this and found that they had received all the payments, but only credited one.

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