BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the fair credit reporting act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

Bank XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX # 1486 15 U.S.C. 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C. 1681 SECTION 604 A ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

15 U.S.C. 1681S-2 ( 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 A CRIME WHICH ANTEDATES THE REPOT 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 2023-06-22
Company: Atlanticus Services Corporation
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Subject : Complaint against Fortiva Retail Credit for Harassment and Unfair Practices Dear XXXX XXXX I am writing to bring a serious matter to your attention regarding the harassing tactics and unfair practices employed by Fortiva Retail Credit . I kindly request your assistance in resolving this issue and putting an end to their unacceptable behavior. 
On XX/XX/2023, I made a purchase at XXXX 's using a Fortiva account that was opened by a representative from XXXX 's. The item I purchased amounted to {$42.00}, which I promptly paid off before the due date. However, a few weeks later, I received a call from a Fortiva representative claiming that I owed membership fees and late fees. I was taken aback by this information, as XXXX 's had not informed me about any membership fees associated with the account. Nevertheless, I agreed to pay the membership fees but requested that the late fees be waived. The Fortiva representative assured me that the late fees would be waived, and I made the payment online as agreed, three days later. 
I believed the matter had been resolved satisfactorily, but to my dismay, I continued to receive subsequent bills indicating additional late fees. When I contacted Fortiva to rectify the issue, another representative informed me that the late fees could not be waived because I had not called a representative to make the payment. I explained to them that the previous representative had failed to provide me with this information, and I should not be held responsible for their inadequate communication. Despite my explanations, Fortiva continues to add more late fees to the membership fees that I have already paid. 
I am seeking your assistance in resolving this matter promptly. I find it grossly unfair that Fortiva is abusing its power and attempting to coerce me into paying additional sums of money when the original amount owed was paid on time. According to Fortiva 's own rules, no interest should be applicable when the full amount is paid within 12 months. Therefore, their ongoing imposition of late fees on the already paid membership fees is highly unjust. 
I kindly request that you investigate this issue and take appropriate action against Fortiva Retail Credit to rectify their unfair practices. I believe it is crucial to hold companies accountable for their actions, ensuring consumer protection and safeguarding the rights of individuals like myself. 

Thank you for your attention to this matter. I eagerly await your prompt response and resolution of this dispute. 
Yours sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-09
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2022-12-31
Company: Experian Information Solutions Inc.
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-05-16
Company: Experian Information Solutions Inc.
State: CO
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:
There has never been any missed payments on my credit. XXXX had a system glitch and didnt process a payment. My credit went from XXXX to XXXX and i nor my mother XXXX XXXX has ever missed 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 2023-12-09
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Submitting this to you serves as a follow-up to ensure the expeditious removal of specific items, particularly the outstanding inquiry, from my Experian credit report. Enclosed in this follow-up complaint is my FTC Report XXXX XXXX. Kindly review the outlined items for removal in each bureau : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2023-12-09
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over XXXX  days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over XXXX  days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2019-06-15
Company: SYNCHRONY FINANCIAL
State: SC
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:
Im XX/XX/2019 I noticed a hard Credit inquiry on my report. I havent applied for any type of credit in years and know this inquiry to be false. I submitted a dispute with XXXX and never heard from them. The company that did the hard inquiry posted no information on the report so I can not contact them. ( XXXX XXXX XXXX  XXXX ) I want this removed from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Last month i had a complaint with Capital One and my credit card ending in XXXX. They corrected the fee issue and promised I would have no other issues. XXXX and I talked about my horrible experience and she assured me everything was going to be corrected. She reversed the fees I was charged and reviewed my account. She assured me that I would receive no more fees if I paid the balance due after the cycle date of the XXXX or XXXX of the month. She gave me her phone number if I had any more problems. Well after following her direction of paying after the cycle date, i still was charged a fee again. XXXX was charged on XX/XX/23. This was after i paid XXXX on a XXXX balance. I am pretty upset and frustrated at what is going on and following the directions that XXXX gave me. I since have attempted to call her twice and leave messages. To date, I have yet to get a call back. My guess is that they can not figure out why this is still happening. These unfair and deceptive practices need to be addressed with CapitalOne as the are taking advantage of the consumer in some very difficult times. I am requesting that this fee be reversed again as I did everything XXXX told me to do and the phone call recording will prove it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-10
Company: ENCORE CAPITAL GROUP INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX is reporting duplicate accounts on my credit file. Midland Credit Management and XXXX XXXX XXXX  ; XXXX XXXX  XXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXX  are attempting to collect the same accounts and reporting on my credit file duplicates.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: Bread Financial Holdings, Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX is reporting duplicate accounts on my credit file. XXXX XXXX XXXX and Comenity Captial/Big Lots ; Comenity Bank/Victoria Secrets and Comenity Bank New York & Co are attempting to collect the same accounts and reporting on my credit file duplicates.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01
Company: HYUNDAI CAPITAL AMERICA
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Back in XXXX of XXXX my car was repossessed by HYUNDAI FINANCE XXXX XXXX XXXX XXXX XXXX, CA XXXX. When a car has been taken back by the finance company there are certain legal protocols that are suppose to be in place when such matters have been taken. They are required to notify consumers of each and every step after attaining a vehicle, such as, copies of the legal notices and proof of the commercially reasonable manner of the notification and resale of the subject vehicle. There were no communications of any legal notices sent to me at all. I sent them a certified letter back in XXXX of XXXX requesting them to comply with said legal notices, and if they do not comply they will be in violation under the laws of XXXX XXXX as well as State XXXX and XXXX statutes. And a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to.

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 2023-05-10
Company: Dovenmuehle Mortgage, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have repeatedly contacted my mortgage servicer and I am currently on Loss Mitigation which protects from negative credit reporting, and they have reported me as 150 days late even though Im protected through Loss Mitigation. This has brought my credit score tremendously. I have an email from them stating that they will not do this and they keep doing it. Please update the credit report, this is really and has been a daunting process with this mortgage servicer. I have been approved by the state of California with a grant to pay my past due balance and they continue to report this even being on loss mitigation which protects negative credit reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: Paypal Holdings, Inc
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/2021 I received a notification that a {$450.00} purchase was made using my Venmo debit card information through the app XXXX. I did not make this purchase. It has been a month going back and forth with Venmo trying to resolve the issue but I am the one thats left to pay for something someone else bought with my information. I immediately contacted XXXX and they closed my account and marked the purchase as fraudulent. A couple days later my account information was used again but denied because my account was closed already. I was immediately notified. They were wonderful. 
Venmo credited me the money while they were working out the dispute but has denied my claim and left me paying for the purchase. They took the money out of my account today. I am beyond frustrated as to why this cant be resolved. I first contacted the company support on the XXXX immediately and again on the XXXX and multiple times in XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24
Company: AMERINATIONAL COMMUNITY SERVICES, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Paying off the loan

Complaint:
I have been paying my mortgage through a bankruptcy trustee. All the payments have been sent. I noticed in XXXX the balance was larger than it should be I contacted the company and was told once all the payments were made from the trustee the account would be paid in full. I call or email every month after that intial conversation because even though im being told the account is being fixed it never is and i continue to receive incorrect statements. So i start emailing and calling each week being assured the account will be paid in full once the last payment from the trustee is sent. For the last two weeks ive been told the account will be closed out. I tried to follow up only to learn the person handling my account issue will not be back for a few weeks. I'm tired of running in circles and would like my deed sent to me. The account has been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22
Company: Diversified Adjustment Service, Inc.
State: KS
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:
I have no business with this company and have no knowledge of this business on my credit report Pursuant to 18 USC 8, i owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 16815 2 company has also NO permission to report ANYTHING using my info pursuant to 15USC 1681 41

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX NY XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2023-05-10
Company: Credit Karma, LLC
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
After I filled my last complaint on Credit karma Bank they closed my account completely!! This so called bank is getting by with over charging people, False Responses, Refuse to be able to speak with a supervisor, hangs up on you, They are a complete Scam and Crockets

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: Upgrade, Inc.
State: GA
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:
On XX/XX/2021 I received a letter from XXXX and XXXX counselors at law indicating that they were attempting to collect a debt. I sent them a response to dispute the debt and requested information to validate the debt. They failed to provide me with pertinent information and the information is false and misleading. As it is my understanding that an Attorney can not serve in the capacity of a debt collector. There is no evidence of signature or a copy of my identification proving that it was in fact me that initiated this loan. There is no ledger of the account and general ledger statement showing the full accounting of the alleged obligation they are attempting to collect from me, signed and sworn by the person responsible for maintaining these records and having first-hand knowledge as to their accuracy and authenticity. There is also no signature wet ink or electronic signature on the Disclosure and consent to electronic receipt of loan disclosures and electronic contracting e-sign Consent or the credit profile authorization One of the documents gives the principal amount at charge off. Which indicates that this loan has been charged off. However, this statement and several others do not have any identifying information connecting me to such obligation. 
Now I am receiving solicitations from attorneys indicating they would like to represent me in the lawsuit that was filed against me by XXXXUpgrade Inc . 
This is causing me undue stress and sleepless nights!

Company response to consumer: Closed with explanation