BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-12
Company: FirstPoint Collection Resources
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:
In XXXX of 2021, I was surprised to receive a credit alert that indicated that the collections agency, Firstpoint Collection, had placed an amount of {$52.00} on my XXXX credit report for an apparent outstanding fee for car insurance with XXXX XXXX XXXX. 

Previously I had my car insured with XXXX XXXX, but had switched to another insurance company. Apparently because I changed insurance companies after the monthly due date, there was a prorated charge of {$52.00} that I now owed to XXXX XXXX. Neither Loyalty XXXX nor XXXX XXXX made any attempt to contact or notify me via any means of communication, prior to them placing the collection amount on my XXXX credit report. At the time, that alert caused a drop in my credit score of over 50 points. 

I got the credit alert on a Sunday, the very next day I contacted both Loyalty XXXX and XXXX XXXX, to express my disappointed at their total disregard for a persons credit history. XXXX XXXX took my payment and assured me that the collections would be removed from my credit report. 

When that didn't happen, I contacted XXXX and requested that the collection item be removed. My argument at the time was and still is, this was not a credit transaction, neither was I made aware that the debt existed, nor was there any effort made to collect the debt before the collection was placed on my credit report. I was assured the collections would be removed, but only the amount was changed to reflect a XXXX balance. 

I recently completed an application for a mortgage, only to realize that because of the presence of a collection transaction on my XXXX credit report, there is a difference of over 40 points between my XXXX mortgage calculated credit score and the XXXX, with an even greater disparity with XXXX. 

All this occurred because i wasn't informed that I had a balance to pay and despite my best efforts to have the situation resolved once I became aware of it..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am not liable for this debt with XXXX XXXX XXXX and do not have a contract with XXXX XXXX XXXX. XXXX XXXX XXXX has not provided me with the original application with my signatures like I have requested. 

Furthermore, since I have not been supplied proof under the doctrine estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.

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 2023-04-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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:
On XX/XX/18 I reached out to BOA for clarification regarding my XXXX and XXXX statements as I accrued interest on a purchase as the balance was unpaid however I a refund was initiated with the merchant that took some time. The refund was posted in the next statement and was for the full amount. However when I reached out to Bank of America to see if this could be reversed as this is usually what happens when the purchase was reversed/refund and the interest charge would usually be refunded but that wasn't the case when I reached out to them as they stated this is a valid charge and that nothing could be done about it.

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 monetary relief
Consumer complaint received 2023-06-12
Company: SYNCHRONY FINANCIAL
State: NM
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Synchrony Bank Lowes Store Credit Card fraudulently reduced my available credit on the credit card ending in XXXX. They claim it was due to a recent review of my account. It was lowered to {$4400.00} which is what the balance due was currently at. I have had this credit card for many years and I am a credit worthy applicant. This is adverse action and I have not received detailed information on the reasons why Synchrony bank has done this which is against the law because I have the right to credit. I have always paid my balances due f and do not consent to this adverse action. I have sent a notice to Synchrony Bank about this and received no response from them regarding this issue. I have continued to faithfully pay my alleged debt owed.

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 2019-07-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This debt for {$14000.00} is for XXXX XXXX XXXX. No date is given as to the debt. The collection agency is XXXX XXXX   XXXX, XXXX -- XXXX XXXX XXXX -- XXXX, VA XXXX. The Debt is very old as it states on the collection request : " The law limits how long you can be sued on a debt and how long a debt can appear on your credit report. Due to the age of this debt, we will not sue you for it or report payment or non-payment of it to a credit bureau. '' I will not pay this debt and I want all communication to cease, either by phone or mail. If it does not cease I will consider legal methods. 
Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-09
Company: Phoenix Financial Services LLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On Monday XX/XX/19 I noticed a missed call from XXXX. I received the call again 2 hours later and a woman identified as calling from Phoenix Financial Services, LLC calling about an alleged medical debt of apx. {$1600.00} and asked if I was interested in accepting an {$800.00} settlement. I stated that was a great offer but would need to communicate in writing only as I can not answer calls while working. The woman abruptly ended the call. In attempting to call back from my cell phone 4 times and office phone 1 time the agent repeatedly hung up without taking my call. This is an abusive practice and violation of FDCPA UDAAP provision.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting 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:
There is a non verified XXXX/ credit card on my credit report, I did not authorize. There is also a hard inquiry on my Transunion report. The card is showing on my bureaus. I requested directly for Transunion to remove the card off my credit report, and it has not been removed. I requested the unauthorized inquiry to be removed and its still there. It has effected my credit score and I want it corrected. In addition XXXX has not removed this XXXX/ credit card off my credit report, nor have they replenished the XXXX points I lost from the card being added. I dont have this card in my possession, I have not used this card nor activated this card, I did not request this card. PLEASE REMOVE THIS CARD AND ITS HISTORY COMPLETELY OFF MY CREDIT REPORT! Thank you in advance

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 2023-08-14
Company: EQUIFAX, INC.
State: KY
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 am writing to dispute the presence of unauthorized hard inquiries on my credit file. 

The unauthorized inquiries I dispute are as follows : XXXX. XXXX XXXX  - Date of Inquiry : XX/XX/2022 XXXX. XXXX XXXX  - Date of XXXX : XX/XX/2022 XXXX. XXXX - Date of Inquiry : XX/XX/2022 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: Experian Information Solutions Inc.
State: IA
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:
XX/XX/2022 I thought I was speaking to a dealership when I called the company XXXX. 
I liked a particul

ar car for my son. They called me the next day and without disclosing that there was a chance that I wouldn't qualify for the loan OR disclosing how many time they would pull my credit they asked if I would like to apply for financing. I am weary about applying with dealerships. I explained to her on a recorded line that I am looking for a second vehicle for my son. She then put me on hold. I sat for over 30 minutes on hold when at that time she did not get back on the phone with me to let me know what was going on. SHE HUNG UP ON ME! My credit monitoring systems are blowing up! They let my credit be ran over 20 different times! I went through a horrible divorced and we were forced to file for bankruptcy so I have worked extremely hard to get my score over 700 in the past 2 1/2 years. Now, thanks to the amount of inquiries in one day, it is just over 600. I would really like to see these inquiries disappear from my credit reports considering once I contacted a different online company that I was preapproved with one of the same lenders and was told that I only qualify if I turn m
y car in. WHAT? 
XXXX knew I was shopping for a second car! They took advantage of me! 
I feel so violated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
Company: Merchants Acceptance Corp
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I called the company in XXXX, XXXX, XXXX, and XXXX to try to make a settlement concerning my bill. Now the company has sent my account to a third party and I have tried to ask them for a settlement as well and they do not want to work with me to get closer for this account. I can not afford to pay them, however at this moment I don't have a lot of funds to pay them off. Yet, They still call to ask me for the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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: Experian Information Solutions Inc.
State: FL
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 have tried to remove several inquiries from my credit report with XXXX Online and all the time almost immediately receives a response about that info it is accurate and will keep in my credit report ( please see attached the last 5 responses from then ). 

Today XX/XX/2023 a few minutes ago, I spoke with an XXXX representative and spent a lot of time trying to explain my situation, that I have not authorized those inquiries and he refuse to do any about it. Then I asked him to speak with his supervisor ( called XXXX  ) and she refused to take care of it either, also told me that I have to call each company that has made inquiries in order to ask them to remove it. 

In case of XXXX, I have called since at least 3 years in order to get access to my credit report from there and make the disputes and they didn't took care about my situation either.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: 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: Investigation took more than 30 days

Complaint:
Inaccurate and fraudulent accounts reported from my credit report. Contacted debt collector asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. Therefore, you are reporting misleading false accounts. The following accounts were XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXXXXXX 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 2019-07-03
Company: CCS Financial Services, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XX/XX/2019 CCS Collection there are collecting {$140.00} for XXXX XXXX   XXXX was supposed to give me service for my Internet.they never provided me with the service. 
I called the customer service and they said someone would come out and go inside my home and hook up the box up. 
I called back and spoke with one of the customer service and I told him no one ever came over. 
the customer service told me someone should be there To install the box. 
the text said I am supposed to install the box myself.I never receive service. Hi

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 non-monetary relief
Consumer complaint received 2023-06-02
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 2018-07-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
The company collecting agency had an pay to delete agreement prior to the payment which Bank of America had not honored after receiving the payment of {$770.00}.

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 2022-03-22
Company: Paypal Holdings, Inc
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Received a notice from XXXX XXXX XXXX that I owe {$300.00} to Paypal. 

I try to login to my account to review. I am locked out of my account. I call company. Company informs me I am locked out of my account. I ask repeatedly for the company to provide either an email or a letter showing what I owe and when. 

The company refuses and tells me I will get a letter from collections. I ask why are they writing off my debt to a third party? Paypal informs me this is from Paypal 's collection department. I find this incredulous because the collections letter is from XXXX XXXX XXXX XXXX XXXX XXXX XXXX and not Paypal XXXX. 

Paypal can not send an email or letter showing what I owe. Further, what I find strange is that I paid outstanding balances in 2021. However, I can not dispute because I do not have access and the company will not provide proper notice. They did not notify me that they will be closing my account and sending it to collections and without my ability to properly review the account. 

How can I do business with a company with such business practices? Not being able to review the account in writing or electronically? This is not ethical. 

Please help, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
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:
This is not my address i informed experian of this previously, or atleast i was under the impression they were advised of this please remove this address from my credit report. 
XXXX XXXX XXXX XXXX XXXX, FL 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 2023-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | DOB : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( XXXX ) to be in error : Account Name : [ XXXX XXXX XXXX  ] Account Number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT LATE PAYMENT WANTED REMOVED. ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX XXXX ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief