BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-28
Company: Pressler & Pressler, LLP
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
In this month, XXXX XXXX, XXXX, when I got the paycheck I noticed over {$300.00} was seized without me knowing. I work as a driver for XXXX XXXX, so I had a friend call payroll for me, and I was on the call simultaneously. Cause XXXX contracts with XXXX for payroll services, we had to get in contact with XXXX, an XXXX employee, telephone XXXX, XXXX. We were told by XXXX, XXXX was following a Garnishment Order from a New Jersey venue case. Problem is I domicil in XXXXXXXX and prior to that XXXX XXXX. I got no Notice from either XXXX or XXXX payroll services, to allow me the opportunity to challenge the aledged debt. XXXX has all contact information for me. XXXX from XXXX stated they had no way to contact me. 
I asked for the supposed court order, but was never given it. I had to ask several times before I was given the Sheriff 's office who issued the writ and the unlawful debt collection agency ; Pressler-phone XXXX. I called Pressler many times and to date, have not been able to speak to anyone. 
From the Sheriff 's office, I was able to view the Writ, and from what I read, this is supposedly a XXXX judgment order, in New Jersey [ court ], for which I never got Notice for such. I suspect the issue maybe an Identity theft one, as I have never had any accounts with the debtor. I checked the credit report for XXXX and nothing shows up for the said unlawful debt. I am waiting on reports from XXXX and XXXX, by mail. 

I truly have no idea what this is about, and I am unable to contact Pressler, to challenge the debt under 15 USC 1692g, and other debt challenges. This quite unfair and deceptive act and is causing me financial harm. 
Both XXXX and XXXX failed to notify me of this garnishment, putting me in stress and turmoil.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: Affirm Holdings, Inc
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Currently being extorted by Affirm.com for an installment loan they initially approved but did not actually provide for an XXXX order. 

On XX/XX/XXXX Upon placing the order through XXXX with the provided payment details from Affirm.com the provided payment method was immediately declined and upon speaking with representatives from Affirm about resolving this issue I was instructed to cancel the XXXX order, which I did. Therefore no order was sent to me or received by me. 

Now a month later, this still sits in my account as open and they are requesting payment. After an entire month of trying to resolve this issue with Affirm they continue to extort me, for a loan/order that was clearly cancelled and not received. 

I've provided evidence as such to Affirm at their request no less than 5 times now, and continue to be hassled about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: Experian Information Solutions Inc.
State: NC
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:
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.

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 2023-07-28
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 one of my numerous complaints that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. This account is unknown to me and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. XXXX XXXX and XXXX XXXX Date XX/XX/2022

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 2023-05-28
Company: First Technology Federal Credit Union
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
This is account advises that I opened XX/XX/XXXX. I've sent credit reporting letter from XXXX XXXX to have removed as it's reporting negatively on my file as I never gave permission to report. I've not received any correspondence from the company as of 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
Consumer complaint received 2022-07-21
Company: DISCOVER BANK
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 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. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 


If you claim this account is 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove this account from my file. DISCOVERBANK XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: NEW YORK COMMUNITY BANCORP INC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
I began receiving mail this summer about insufficient insurance coverage. I contacted Flagstar about it since they did not require it when they held the previous mortgage. I refinanced and they bought it back. They told me I had to procure around XXXX more in coverage to which I got XXXX more and now. They put my mortgage in Escrow due to the insufficient coverage and now will not take me out even though I have procure more than enough coverage. They are extremely difficult to contact, do not call back timely, and will not provide any copies of why they are doing this other than vocal notifications over phone and just continuing to send the new bill. The amount they are charging me monthly is significantly more than twice the amount I am paying for coverage that exceeds what they procured without my permission. Again, they are extremely difficult to get ahold of and do not check their online repositories for the documentation about the insurance coverage that they direct you to post your insurance coverage.

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 2023-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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. This account must be investigated/updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible XXXX XXXX Account Number XXXX Balance : {$440.00}

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 2023-02-08
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
The credit reporting from this company is riddled with changing inaccuracies. In XXXX, XXXX it reported me as being 30 days late with my XXXX payment. Then in XXXXXXXX XXXX it correctly removed the 30 day late on my XXXX payment but replaced it with a 30 day late on my XXXX payment. The in XXXXXXXX XXXX it correctly removed the 30 day late on my XXXX payment but both incorrectly put a 30 day late for my XXXX payment AND showed me as owing {$180000.00} -- my original loan amount was {$20000.00} and I owed about {$18000.00} The bottom line, this companies reporting is haywire. I have tried to speak with them to address these numerous, changing inconsistencies but they have been almost as erratic with their customer service. 

For the record, I am paying down a {$20000.00} loan and I have never been 30 days late with a payment.

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 2023-05-28
Company: SYNCHRONY FINANCIAL
State: NC
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 repeatedly attempted to settle debts that I incurred as a result of XXXX  and malice. However, XXXXXXXX XXXX  has miss reported my agreement with them and after the XXXX they put me through this is reprehensible. 
I settled the debt and mt credit needs to reflect that. 

Also ALL credit companies working on behave of Synchrony Bank refuse to deal with me. 
LAst week, Synchrony said they would follow up, and nothing. Please help 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 2020-06-13
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
This retail store Walmart merger with capital one since that time it has resulted in missing payments not credited and late payment fees added in error also, I have been sending auto payments to this company on a monthly basis from my checking account, they have more than 3 different customer service numbers call XXXX XXXX in the XXXX and XXXX XXXX I called XX/XX/1920 with no results with all the so called customer service representatives New address to send your payments to in North Carolina, they stated that they do not have any email address for customer service issues regarding billing issues, you have to send them a letter but to Utah. 

They are very XXXX  and suspicious, not to be tolerated by any means of common sense.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-14
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file is listed on my credit report XXXX XXXX XXXX Balance : {$30000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
XX/XX/2023 I deposited a check to Bank of America that they flagged me for possesion of a counterfeit check. 

It all started when I put my apartment subleasing up on XXXX. I got in contact with an out-of-state student that claimed they were relocating to be a student in my college town of XXXX, FL from XXXX, TX. They agreed to take over my lease and I even asked them for proof of id and if the check was legit before they had their supervsior send me an e-check for the student 's last paycheck ( {$2900.00} ) and I tried to mobile-deposit it the same day but a few days later the Fraud Team contacted me for details and I told them this situation and they said they would suspend my bank activity till the XXXX and then I should regain my account access but then I re-checked on the XXXX and saw my account was locked and when I contacted Bank of America they just said I was in possession of a fake check so they completely closed down my entire account even including the savings account that I shared with my parents who are long-time Bank of America customers .

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 2022-10-05
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:
To Whom it May Concern ; This is about the inaccuracy that is inequitably furnished by your organization on my Consumer Report. I came to know about this inaccuracy on XX/XX/2022. Due to this inaccuracy, my right to extend credit has been damaged to a great extent. As a result, I was discriminated against and refused the following ; 1. Credit Denial for an Auto purchase loan According to 15 USC 1681 ( a ) ( 3 ), Consumer reporting agencies have assumed a vita role in assembling and evaluating consumer credit and other information on consumers. 

I hereby put your organization on notice and would like to inform you that I never gave consent to this report being furnished by you on my behalf and I am also aware of the fact that your organization assumed a vital role. As a result, my livelihood has been adversely affected. 

There is no such law that states anything that needs to be reported to a consumer reporting agency. Therefore, your organization is liable. 

Further, pursuant to 15 USC 1681 ( a ) ( 4 ), a consumer reporting agencies must exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 

Your organization neither exercised its responsibilities with fairness and impartiality nor protected my right to privacy. 

I request you to give me a piece of evidence that the information which is being reported has been properly investigated. Also, Provide me with the details of the system adopted by your organization to determine whether the transaction took place or not. 

Further pursuant to 15 USC 16811 ( a ) ( b ) your organization did not adopt such procedures that meet the need of commerce for consumer credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
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: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft please remove this inquiries 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 2022-07-21
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax data breach/identity theft and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I applied for only one card, one time and was approved however XXXX  ran my credit twice and I therefore have 2 hard inquiries on my Experian credit report from XXXX XXXX. I have wrote a letter twice requesting that they remove the duplicate hard inquiry but they are not and simply keep sending a letter asking me to provide the info although I already did including a copy of my Experian credit file showing the 2 hard inquiries. I need XXXX  to please remove one of the hard inquiries.

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 2022-07-21
Company: Experian Information Solutions 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:
I have asked Experian multiple times via certified mail disputes to remove an inaccurate " XXXX  '' code from the Payment History for my XXXXXXXX XXXX XXXX account. 

This " XXXX  '' code has been listed for XX/XX/2021 despite the fact that the account was settled at {$0.00} in XX/XX/2021. Under the guidelines of the Fair Credit Reporting Act, accounts that have been settled, even if settled for less than the full amount, should no longer display any new payment codes. 

Because the account was settled in early XX/XX/2021, the payment code displayed on my Experian credit report for this account for XX/XX/2021 is inaccurate and must be removed. Any payment codes posted after XX/XX/2021 are considered re-aging the debt, a serious violation of the Fair Credit Reporting Act under Section 623 ( 5 ) ( A ).

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 2019-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Hello, On XX/XX/2019 my score was XXXX. 6 days later the scores with Trans Union, XXXX, XXXX, and FICO all went down to the 670s, ranging from 670-673. In the last 90 days, I opened a credit card that always stayed at 40 % of the balance. I also renewed an Income Based Repayment plan with my student loan creditor, XXXX XXXX XXXX. 

I was confused as to why my score went down and so are the employees at the credit reporting agencies. They have been unable to tell me why my credit score went down so suddenly. I'd love some advice please. 

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