BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-22
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:
Recently I checked my credit report and noticed a mistake. I was devastated to see a late payment show up. Surely this was a mistake as you can see from me elite payment history. I have a perfect record of paying on time and I was like to continue and remain an active consumer with XXXX  XXXX XXXX and would be happy to do so once this matter is cleared up. I need this erroneous late payment corrected and updated to paid as agreed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: Marlette Funding, LLC
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
I exercised my right of rescission as a result of XX/XX/2022 due to failure to provide me the following mandatory T.I.L.A required disclosures below and such rights in accordance with the regulations of the Consumer Financial Protection Bureau : 1. the creditor must deliver the notice of right to rescind to each consumer in the transaction 12 C.F.R. section 226.23 ( b ) ( 1 ) ( i ) - ( v ). 2. the notice must disclose the requisite information clearly and conspicuously 3. The consumer 's right to rescind the transaction 4. Information on how to exercise the right to rescind 5. the effects of rescission 6 the expiration date of rescission ( 3 days-3 years ) 7 to satisfy the notice requirement, the creditor is required to use model form in Appendix G form or the one substantially similar. none of the above did I receive from Best Egg violating 12. C.F.R. section 226.23 ( b ) ( 2 ). Best Egg is ignoring and refusing to execute my rescission rights thereby, being non-compliant to the regulations of the Bureau 12 C.F.R section 226.23 ( d ) ( 1 ) and 12 C.F.R. section 226.23 ( d ) ( 2 ). It appears Best Egg and its officers are intentionally refusing to comply with the regulations of the Consumer Financial Protection Bureau, T.I.L.A. Regulation Z, and the U.S. Supreme Court Order and Decree on XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX whereby borrower need only provide written notice to a lender in order to exercise right of rescind.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05
Company: Radius Global Solutions LLC
State: IA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had my century link internet disconnected inXX/XX/2022, I was told over phone with representative that if I paid {$120.00} that day they would turn services back on. I paid {$120.00} and no internet was restored. Previously I had reached out to century link twice regarding my acceptance, application ID number, and account info as directed by XXXX ( affordable connectivity program ) for several months because I was apart of the program to receive {$30.00} discount towards internet services & century link never acknowledged or submitted this credit to my account. My service had been terminated and after I was still receiving a monthly bill for services I wasnt even receiving. My internet was never turned back on after being told it would be if I paid {$120.00}. Also, many months racked up of charges that I was supposed to have a {$30.00} credit that was never added. I called XXXX XXXX to explain my side & why I dont think the final bill of {$350.00} was accurate or fair & the woman I spoke with agreed that charges accumulated AFTER I wasnt receiving services from century link & that the dates of my approval for XXXX $ 30 monthly credit, that the remaining balance due was incorrect and that she will remove the charges from the account and I did not owe the balance because it was incorrect. To my knowledge this debt was settled, and I was told I was not responsible for the balance. Now this debt has gone to collections & has hurt my credit. Last I spoke to century link many months ago, I was reassured incorrectly & I also explained to radius global who purchased this debt that it shouldnt even be a debt because I was told it by century it was incorrect & sided with me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 have consistently made timely payments on this account and have worked hard to do so. It is unacceptable that a late payment has been reported. Please see the attached documents and remove this late payment from my 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 non-monetary relief
Consumer complaint received 2021-05-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX  XXXX XXXX XXXX is not & hasn't been our loan holder for years. They are sending us TIME SENSITIVE, FINAL ATTEMPT, IMMEDIATE RESPONSE letters on pink paper claiming our home owners insurance has expired. WE know its XXXX & a scam but my wife cares for the elderly and they get frightened by these scams! The NOTICEs are very predatory in nature. Their intention is to scare people into calling. We haven't called XXXX  & honestly, it shouldn't be us calling some hourly employee. This needs a throat punch to the CEOS. Sincerely, The 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 2018-03-23
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
A XXXX XXXX XXXX collection appeared on my bureau debt was paid directly to hospital and nothing is owed to XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-21
Company: Amsher Collection Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have never been contacted by this company collecting a debt for XXXX. The original bill was in dispute with XXXX. During communications with XXXX account was sent to collections. I was only notified once the account hit my credit. I disputed the balance then and explained I was never contacted or notified of the debt. To this day I have not received any information on this debt via mail or phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: Mountain Run Solutions, LLC
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:
Mountain Run Solutions LLC has stole my information and identity without my consent. This is my last attempt before I send a notice to sue both Mountain Run Solutions LLC and XXXX.I will also be reporting to the Attorney General, XXXX, FTC XXXX and filing for suit in Federal District court for monetary relief x3. 

After several disputes and attempts to certify and validate an alleged debt, Mountain Run Solutions LLC has violated my rights.

Mountain Run Solutions LLC has violated 15 U.S. Code 1692c, 15 U.S. Code 1692d, 15 U.S. Code 1692e,15 U.S. Code 1692g, and 15 U.S. Code 1692j.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have a credit card issed from JCP Mastercard. It started as a store card then they gave me a JCP credit card. I have been a member since 2015 never missed a payment. They increased my credit limit. Now because of COVID-19 money is even tighter. I still have not missed a payment. I called, Monday XX/XX/XXXX at XXXX pm, to see if they could work with me and give me a lower interest rate. Their intrest rate is 25.99 % I asked if they could lower it. They said no. I asked is their anything they can do for me. They said defer payment for one month. I asked if I would be charged interest that month. Yes, I will still be charged interest. I said is their anything they can do to help their customers hurting financially from COVID-19. Defer payment one month, that is all. I wanted to file a complaint. He said I could file a complaint but there was no one to turn in it to it would just be kept on their file. 
Under the circumstances of everyone hurting with less or no work I feel like their should be more options to help customers not default on payment. I feel like they are taking advantage of people.

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 2021-08-19
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
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:
This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXXXX/XX/XXXXXXXX Balance : {$0.00} XXXXXX/XX/XXXX XXXX Balance : {$0.00} XXXXXX/XX/XXXXXXXX Balance : {$6400.00} XXXXXX/XX/XXXXXXXX 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 2022-04-14
Company: EQUIFAX, 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:
XXXX XXXX XXXX XXXX has stole my information and identity without my consent. This is my last attempt before I send a notice to sue both XXXX XXXX XXXX XXXX and Equifax..I will also be reporting to the Attorney General, XXXX, FTC XXXX and filing for suit in Federal District court for monetary relief x3. 

After several disputes and attempts to certify and validate an alleged debt, XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX has violated 15 U.S. Code 1692c, 15 U.S. Code 1692d, 15 U.S. Code 1692e,15 U.S. Code 1692g, and 15 U.S. Code 1692j.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: CCF Intermediate Holdings LLC
State: DE
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have never heard of this company I have tried to contact them they stated the loan was created via online and have no physical signature nor did they request for any verifiable documents proving that it was me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
Company: Experian Information Solutions Inc.
State: IL
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 - XXXXXXXX XXXX XXXX  # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights 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 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 2022-04-14
Company: Experian Information Solutions Inc.
State: CA
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:
THIS COMPANY DID NOT DO A PROPER INVESTIGATION ACCORDING TO FCRA AND ARE VIOLATING MY RIGHTS WILLINGLY. ATTACHED IS A NOTARIZED AFFIDAVIT OF TRUTH AND SOME COPIES OF HIGHLIGHTED INACCURACIES ON MY CREDIT PROFILE WHICH WERE DISPUTED AND IGNORED. THIS COMPANY IS ALSO IS VIOLATION OF 15 U.S.C 1681 sections 602A, 604A. I DID NOT GIVE ANYONE WRITTEN INSTRUCTIONS TO REPORT THESE ACCOUNTS TO 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 2023-11-08
Company: Resurgent Capital Services L.P.
State: PA
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:
This company 's consistent violations of my consumer rights under the Fair Debt Collection Practices Act have caused significant financial and emotional distress They continue to report an erroneous and unverifiable account on my credit report, despite my repeated requests for proof of claim as required by the FDCPA My efforts to rectify this situation have fallen on deaf ears. Despite the existence of multiple complaints against them for Illegal and unethical practices, they continue to operates implore you to intervene and put an end to thee unethical behavior

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The accounts I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$2200.00}, XXXX XXXX Balance : {$2400.00}, XXXX XXXX Balance : {$11000.00}, XXXX XXXX XXXX Balance : {$10000.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$290.00}

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 2017-02-27
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have found wrong information listed in my credit report and I have disputed to Experian, but they still not update my info.

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 2023-08-16
Company: Experian Information Solutions Inc.
State: IL
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.

The letters are stated with items and issues.

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 2022-04-14
Company: EQUIFAX, 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 Reporting Act, XXXX 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 an account without my written intrusions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01
Company: Sentry Recovery and Collections, Inc.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Didn't receive notice of right to dispute NEVER RECEIVED NOTICE OR LETTER

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 2023-04-22
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The accounts I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$2200.00}, XXXX XXXX Balance : {$2400.00}, XXXX  XXXX Balance : {$11000.00}, XXXX XXXX XXXX Balance : {$10000.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$290.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I have already filed a complaint regarding a fraudulent account that was opened in my name at HSBC in XX/XX/XXXX. As detailed in my previous complaint, I made numerous attempts to contact someone at HSBC regarding this account but have yet to speak with anyone with knowledge of this incident. After I filed my complaint, HSBC provided a response acknowledging that the fraudulent account was opened, that they are investigating the matter, and that a freeze was placed on this account to prevent further activity. I responded that I was given insufficient information about how this happened and how HSBC intended to prevent this type of fraud from happening in the future. I have yet to hear from HSBC regarding my concerns or their alleged investigation. Yesterday I received another letter from HSBC indicating that the fraudulent account remains open and that further fraudulent activity occurred during the period XX/XX/XXXX, through XX/XX/XXXX. This indicates that the information that HSBC provided to me and to the Consumer Financial Protection Bureau is wrong and that no steps have been taken to stop this fraudulent activity. I have informed them that my personal information was stolen and that I did not open this account and I have filed a police report as well. HSBC is fully aware that this account was opened fraudulently and they knowingly have allowed the crime to continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
I have two Fruad accounts on my credit report. I have attached a FTC report and my current lease with my address attached. 1. XXXX XXXX {$2000.00} XX/XX/XXXX 2. 1. XXXX XXXX {$1400.00} XX/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