BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-06
Company: Universal Account Servicing, LLC
State: MD
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Payment for the outstanding balance ( {$3300.00} ) on the loan was mailed on XX/XX/XXXX, via check ( # XXXX ). This was expected to arrive no later than XX/XX/XXXX according to the USPS XXXX expectation for first class mail delivery. 

For some unknown reason, XXXX Account Servicing did not deposit this check until XX/XX/XXXX. This was 9 days after it was mailed. I was then charged {$1300.00} because the payment was processed after the promotional date of XX/XX/XXXX. The circumstances which led to this delay is highly unusual. This could have resulted from a number of issues totally outside of my control but under yours, such as delays in processing mail at your office location or a deliberate delay. 

I called your office on XX/XX/XXXX and spoke with a supervisor. His focus was on what evidence I had that it was received before the deadline. Do I have a signed receipt showing someone in your company received it? I do have circumstantial evidence check # XXXX was written on the XXXX along with check # XXXX which was dated XX/XX/XXXX. I dated # XXXX XX/XX/XXXX because I needed to add money to the account which I did XX/XX/XXXX. However, I mailed it Sunday XX/XX/XXXX to arrive on time. 

Evidence is not one sided - My question to you is what evidence do you have that it was mailed late? The envelope you received had a postmark. That is the evidence you would need to prove it was mailed late. 

Even if there was an unusual delay in your local postal system it is customary to waive fees and not play what evidence do you have game because it points to unethical business practices. 

I am including the Consumer Financial Protection Bureau. Please provide the evidence ( postmarked envelope ) that the check was mailed out late to justify your charges. If you can not provide it then you have no evidence, and it points to a deliberate delay in processing with a self-serving interest. Please remove this debt from my account and close it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
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 XXXX XXXX XXXX XXXX. account # XXXX, this account is a charge off account. 

This is a violation of 15 USC 1681 ( e ) ( b ) which states a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I never received a 1009-C form for the cancellations of debt which is a violation of 15 USC 1681 ( e ) ( b ).

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 2022-02-17
Company: Frontline Asset Strategies, LLC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. I received a notice that a debt collector called FRONTLINE ASSET STRATEGIES with an original creditor of XXXX has opened an account in my name. I am not a XXXX customer not have I ever been. I spoke to XXXX today and was told to inform the debt collector that this account was a result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
debt collector said they were send the account back to the original debtor and I have received a letter saying that I am not responsible for the debt however they are still reporting it on my XXXX credit report LVNV FUNDING LLC Original creditor : XXXX XXXX XXXX XXXX XXXX   {$980.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Open Account Paid off : 0 % Balance on XX/XX/XXXX Loan Amount {$980.00} {$980.00} Payment Info Original loan amount {$980.00} Balance {$980.00} Updated on XX/XX/XXXX Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Is everything correct? 
Reminder : You are currently reviewing your XXXX Credit Report. If you find inaccurate information, you can either dispute the information online or via postal mail. Disputes about information on this report must be submitted to XXXX. Dispute with XXXX Online or by Mail at XXXX. XXXX XXXX, XXXX, GA, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This company is reporting two accounts on my consumer reports. I have never received any information as to what these alleged debts are for. I have never done business with or ever spoken to them about any accounts. I have never received any information about these alleged debts. I have tried to dispute these accounts, yet they come back " verified '' without sending me any information as to how they " verified '' these debts. This inaccurate information on my consumer reports is causing financial damage to me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: Experian Information Solutions Inc.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have fraudulent charges reflecting on my credit report from XXXX - XXXX XXXX XXXX XXXX XXXX which I did not charge. I disputed the charge, gave my statement of not making these charges or having credit with their financial institution. 

They replied back in letter form stating I am responsible for the charges and provided me the fraudulent signature that they stated is my signature and charges. At this point and time I need to take this to a higher level to dispute these fraudulent charges.

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 2022-11-09
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am submitting this CFPB complaint to request to the Credit Reporting Agency to remove the reported address from my Credit File since these addresses are not my legal address. I never received any mails in this address and and must be removed as soon as possible. Once again, I am requesting that you remove the following address as soon as possible :

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 2018-11-01
Company: EQUIFAX, INC.
State: IL
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: Investigation took more than 30 days

Complaint:
Equifax, indicated there was a reinvestigation which signals an initial investigation was done. Results from that investigation were neither logged, rendered, nor provided to Mr. XXXX, in 30 days and or til date, despite Mr. XXXXs repeated requests. Second, Mr. XXXX requested Equifax to provide the method of accuracy & verification used by Equifax pursuant to FCRA 611et.seq. and or 611 ( 5 ) ( A ) ; and Equifax remains non-compliance till date. Third, Mr. XXXX requested Equifax to provide a court order judgment showing that named Creditors listed was the injured party and or an order of this allege debts with a judicial signature with circuit/district 's stamped seal regarding account # s listed for Creditors. Thus proving its legal accuracy & verification of this allege debt belonging to Mr. XXXX. Hence, Equifax again went silent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: EQUIFAX, 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 is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX XXXXXXXX XXXX Late Date XX/XX/22

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 have a Bankruptcy report on my credit report. I'm reaching out for assistance to REMOVE these Bankruptcy report from my credit report immediately. 

I am a victim of identity theft. The information attached below, which appears on my credit report, does not belong to me. It is the result of identity theft.

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 2022-03-13
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan was set up without an escrow account for taxes. I pay my taxes ON TIME every quarter myself. Two times now PHH has sent money to the tax collector from a non-existent escrow account and then sends letters that I need to reimburse them or face default. My tax payment has never been paid late by me and trying to resolve this issue is impossible. I have called multiple times with no resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30
Company: Experian Information Solutions Inc.
State: NJ
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 credit bureau does not want to remove a XXXX account on my credit that is not mine. I have never had an account with XXXX and I know I have no unpaid debts with them. I have called XXXX and they do not have any records that match my personal information I give them. Why is the credit bureau refusing to remove this account? I also sent a dispute to XXXX in the past and XXXX promptly deleted the account in XX/XX/XXXX once they verified it was not my account. How can there be different results between XXXX and this credit bureau for the same investigation? This credit bureau is not processing my dispute properly and this mistake is affecting my credit unfairly! I am attaching XXXX 's investigation results also showing the account was deleted. The account number is XXXX and the balance is {$54.00}.

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 2023-09-06
Company: Synovus Bank
State: GA
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:
XXXX XXXX XXXX XXXX ( XXXX minutes ago ) to XXXX In accordance with the Fair Credit Reporting Act, specifically 15 USC 1681 section 602 ( a ), it is imperative to ensure that consumer reporting agencies conduct their responsibilities with fairness, impartiality, and a respect for consumers ' privacy rights. XXXX and XXXX are prominent consumer reporting agencies, and I, as a consumer, possess the fundamental right to safeguard my private information. This right is fortified by 15 USC 6801, which emphasizes Congress 's policy that financial institutions must consistently respect customer privacy and protect the security of their nonpublic personal information.

Within the framework of 15 USC 1681 section 604 ( a ) ( 2 ), it is explicitly outlined that any consumer reporting agency may furnish a consumer report solely in accordance with the written instructions of the respective consumer. Neither the financial institution ( referred to as " Furnisher of information to credit agencies '' ) nor the consumer reporting agencies, XXXX and XXXX, have obtained my consent, written or otherwise, to furnish this information. 

Further, 15 USC 6802 ( b ) ( c ) mandates that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party without providing the consumer with an explanation of how to exercise the nondisclosure option. However, the Furnisher of information to credit agencies never informed me of this right, thus breaching this statutory requirement.

Additionally, 15 USC 1681C ( a ) ( 5 ) explicitly prohibits consumer reporting agencies from including certain adverse information in consumer reports without authorization. This account is an adverse item being reported without my consent, which is a clear violation of the law.

Furthermore, 15 U.S. Code 1681s2 ( A ) ( 1 ) stipulates that no person shall furnish inaccurate information to a consumer reporting agency, while 15 U.S. Code 1681e mandates that consumer reporting agencies maintain reasonable procedures to prevent violations and limit the furnishing of consumer reports to specific purposes. XXXX and XXXX appear to be in breach of these requirements.

Lastly, as per 12 CFR 1016.7, consumers have the right to opt out of reporting services at any time. In light of the aforementioned violations and concerns, I am exercising my right to opt out of your reporting services.

In summary, the Fair Credit Reporting Act and related statutes emphasize the need for fairness, privacy protection, and consumer consent in the reporting and sharing of personal information, and I assert my rights accordingly. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31
Company: CREDIT ACCEPTANCE CORPORATION
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I got an email from my payroll dept regarding a wage garnishment. The company XXXX XXXX XXXX, XXXX. located at XXXX XXXX XXXX XXXX, IL XXXX Ph : XXXX fax : XXXX. Case No XXXX XXXX   XXXX for debt collection and wage garnishment of {$8000.00} from credit acceptance from XXXX. I have never owned a car until XXXX nor did I have a Drivers license at the time. 

I do not know how this was possible but I have a suspicion it was my ex-boyfriend who is currently XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the girl he was cheating on me with are the ones responsible for this. I am going to file a police report but this company is trying to garnish my wages. help.

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 2023-03-04
Company: Experian Information Solutions 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 information incorrect

Complaint:
GOODWILL LETTER XXXX XXXX Account Number : XX/XX/XXXXXXXX To Whom It May Concern : XXXX XXXX Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit report contains [ a late payment/payments ] reported on XXXX  months includes XXXX. XXXX XXXX, XXXX, XXXX, and XXXX. XXXX XXXX, XXXX, XXXX. for my XXXX XXXX XXXX account. 

I want you to know that I understand my financial obligations, and if it werent for [ circumstance that caused you to miss a payment ], Id have an excellent repayment record. I made a mistake in falling behind, but since then, since COVID19 things has been very hard, I'm at a point that I'm reestablishing myself. I have a better job and I'm in the process of saving more and I'm enrolled in financial seminars weekly. I'm improving my credit as well and learning money management. Ive had a spotless record of on-time payments. 

Im planning to apply for to purchase a home in the next year and a car as well. This forgiven will help my credit greatly, and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late in the amount of XXXX which includes the year and months of late payment. 2023 months includes XXXX. XXXX XXXX, XXXX, XXXX, and XXXX. XXXX XXXX, XXXX, XXXX for my XXXX XXXX XXXX account. 

Thank you for your consideration, and I hope youll approve my request.

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 2020-06-17
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a Wayfair store credit card through Commenity Bank. They do not offer auto payment like every other credit account that I have and as a result, I have accumulated several {$35.00} late chargers and it may affect my credit score. I have emailed them twice and they tell me not to worry, it won't be reported on my credit report but that it is my responsibility to ensure that I pay my bill on time and that they do not offer auto payment as an option. This is pure and a simple a manner for this company to prey upon their busiest of customers and extract additional revenue from them. Additionally, they only allow you to schedule up to 2 future payments at a time, forcing you to either remember or set reminders to come back and arrange for future payments at least every 60 days. I find this unacceptable and would expect that there has to be a law to prevent credit card companies from preying upon their customers in such a manner as it is 2020 and we live in the age of digital technology where everything is done online and can be set up to be done automatically. If there is not a law outlawing this practice, then there should be and I would respectfully ask who to contact to raise my concern and ask that a protective law be considered by legislation. This is particularly concerning because they are preying on some of their most vulnerable of customers during a global pandemic and record breaking unemployment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24
Company: SECURITY FINANCE CORP
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: Credit inquiries on your report that you don't recognize

Complaint:
This was a charge off account from security finance in XXXX ga XXXX, I've repeatedly called them and tried to pay it off but they say the accounts closed and written off, but yet they keep hitting my credit with late fee charges,

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 2023-08-30
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit reporting 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:
I make a payment to Nordstrom on the XXXX of every month for the last couple of months to pay off my balance and the company would hold my payment for 2+ weeks and report back to my credit as high utilization as well as dropped my credit score XXXX The money would be taken out of my bank account the same day the payment is made, so I wouldnt have access to my card during the 2 + weeks. I have tried to contact them and they are quick to say theres nothing they can do.

Company response to consumer: Closed with non-monetary relief