BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-17
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX SS XXXX DOB XXXX I was looking over my file and I found that I had a few errors and addresses that I never lived at. I had some issues with someone using my information while I was living out of town. I never lived at the following adresses XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX CT XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX please have them deleted because they may have been used to comprise my name and information. 
There are account that I do not recognize showing on my credit report XXXX XXXX XXXX {$1000.00}, XXXX XXXX XXXX, XXXX XXXX XXXX. After careful review of my credit report, I notice that I owe an outstanding balance. I would like to let the credit bureus and collectors know that I am disputing these accounts. Under the FDCPA, and FCRA, I can request verification from third-party collection agencies. As you know, not complying with FDCPA will put your company in a bad position with the FTC. Under the FDCPA Section 807,811 ( a ) ( 2 ), 1692 e ( 3 ), and 1692 e ( 10 ) ; and the Ohio Law 1319.12 ORC Taking Assignment of Debt, you failed to submit the proper documentations to validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: ENCORE CAPITAL GROUP INC.
State: MI
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:
They sent me a judgment letter the dates for court weren't set up for me and the judgment was 17 years old and wasn't mine the debt was from XX/XX/XXXX and I got a letter XX/XX/XXXX and judgment was first stated at {$5300.00} and judgment was {$8200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: CL Holdings LLC
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 information incorrect

Complaint:
The following companies/agencies have failed to furnish the original " wet ink '' signed contract, that LAWFULLY obligates me to the alleged debt ( s ) -XXXX XXXXI : {$3400.00} - XXXX XXXXXXXX XXXX : {$2700.00} XXXX XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX : {$650.00} Several attempts have been made to reach out to these companies since XX/XX/XXXX ( XX/XX/XXXX ) via U.S. certified mail or through the credit bureaus website. Despite the attempts these companies and credit bureaus continue to violate my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: Selene Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Good day I did not see a category for not being able to learn who owns my mortgage. 
I have sent many qualified request to Selene Mortgage who services my home loan. 
These request were all sent overnight and with tracking for conformation of delivery. 
I believe the last one was sent on XX/XX/2022 and while they has ten days then did not respond to late XX/XX/2022. I believe that this information must be provided when requested properly. On each letter I made it clear that this was a RESPA request and a qualified request. Each request was sent to the correct adders for errors and omission which is the address for these types of request. To date regardless of letters and request Selene will not provide me this information which I am legally entitled to under federal law. 

Phone representatives have informed my that even with said written request that this information will not be provided which is very disturbing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
Company: Rosebud Economic Development Corporation
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
last year I made some applications to a few loan companies and never took any loans. I started to receive texts from and unknown source that I would delete. Then 3 weeks ago I was sent a check from XXXX XXXX. I had no banking relationship with them for since XX/XX/2017 at minimum. I researched the memo on the money order which indicated that it was some sort of legal settlement from a class action suit against XXXX. 2 weeks after that I get a letter from XXXX showing that XXXX had come into a closed account from a XXXX XXXX. XXXX took out what I owed them and sent me the balance. I never requested this loan. this loan was forced on me just like XXXX XXXX forced loans and such on its clients. I had no knowledge that the money i was sent was from a loan company and it tool several visits to a perplexed rep at XXXX to ascertain what happened. I do not owe this money under civil law. 
I do not know how i was forced this loan. I deleted all threads from companies making these loan offers and never hit reply or opt out ... that is what the thieves need you to do to hack your phone so I just ignore and delete

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 2022-12-21
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
On XX/XX/2022, I refinanced my auto loan with Truist Bank, my loan was processed with XXXX XXXX a member of the XXXX XXXX department. The middle of XXXX I contacted XXXX XXXX whom help me with my refinance and he didnt respond so I emailed him and he still didnt respond to my email. I called his office and was told he was on a call and would give me a call back which he did not, about a month went by and I still did not get a call back nor had I received my auto tag. I then called and asked to speak with a XXXX and I no longer wanted to speak with XXXX XXXX and then the same day XXXX gave me a call and said he didnt know what was going on and was unsure of why I hadnt gotten my tag. XXXX stated that it was not his fault nor Truist by this time I had paid XXXX car payments and I had been pulled over by the police department for driving without a tag. I then tried calling the bank XXXX XXXX to see if they could help I spoke with XXXX and she gave me her direct number XXXX and she promised that a manger would give me a call as of XXXX no manger has given me a call nor do I have a tag for my car. I have reached out to Truist corp office several times and I have now paid XXXX car payments and occurred travel expenses because of no tag. I would like to be compensated for the travel fees and XXXX auto payments that i was unable to operate my vehicle.

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 2022-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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, XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-27
Company: Experian Information Solutions 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:
Experian is in violation of section 605N of the Fair credit reporting act. I have submitted my documents

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-05-13
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
Back in XXXX and XXXX of 2021, I had complications with my bank and they ended up withdrawal double the payment amount for a car payment, once the mishap was noticed, I had already received communication stating that my payment had not gone through. Mind you, I have 8 other obligations ( Loans are credit cards that were paid and processed ) I sent in XXXX the letter from my bank stating the mishap, I sent in my bank statements of the over withdrawal and the funds being sent back to me correctly from my bank, and I also sent in my bank statements that showed when I processed all payments, and I ended up making four payments to both XXXXXXXX XXXX, and XXXX XXXX XXXX XXXXewards and they still showed me for 30 days past due, even though I actually made the payments before the due date, then was made aware by my bank that there was a mishap with processing and they were to send me back funds. I immediately reached out to both XXXX and XXXX who then told me to reach out to the credit bureaus even though they knew it was at no fault of my own that the payments did not go through. They even sent me emails stating that the payments had been made. I have never had a late payment. 

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat any payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2018-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
OK so one I do not have any kind of mortgage Im not sure whats going on with that .two I am not on any public assistance and if I am I would like to know what that is because I have not seen any money from it leaving me quite broke on top of that I cant applying for a loan because theres something going on about some consumer XXXX. I just really want to know was going on here so I can apply for a loan so I get live comfortably. 

Thanks XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA

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 2022-05-13
Company: Medical Data Systems, 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: Old information reappears or never goes away

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2020-04-14
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX calls 2-3x a day XXXX After being given a decrease and desist order and 2 letters from debt relief program, they ignore orders and keep calling ...

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 2022-12-21
Company: Experian Information Solutions Inc.
State: VA
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:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT EXPERIAN, XXXX AND XXXX HAS VIOLATED MY RIGHTS 15 USC 1681 SECTION 602 : STATES I HAVE THE RIGHT TO PRIVACY.

15 USC 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

15 USC 1666B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR PURPOSE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-08
Company: FORD MOTOR CREDIT CO.
State: TN
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Requested extension for my vehicle with Ford Motor credit customer service because I was affected by Covid-19. The 2-month extension was approved, and after the extension period was completed, I resumed making the monthly payment. I received letter dated XXXXXXXX XXXX notice of default for these payments. I was told was told they were extended to the back of the contract. Ford has reported the payment past due 30-60 days. Ford Customer service provided misleading information it has damaged my credit rating and scores with the 3- credit bureaus XXXX XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
My name and date of birth are incorrect on many of my accounts In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a acount without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: EQUIFAX, 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:
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( XXXX Creditor : XXXX XXXX  XXXX  XXXX  ) XXXX Balance : {$5800.00} XXXX XXXX XXXX XXXX  XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$5100.00} XXXX XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX / XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX / XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$8900.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-01
Company: ACIMA CREDIT, LLC
State: TX
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: Problem with personal statement of dispute

Complaint:
I was working for XXXX XXXX XXXX as a employee and the owner contained all my personal information. After him having all my information he created a Acima account to buy merchandise for his shop. I was unaware of this transaction and I found out about it months into the chargers on my credit report. I attempted to get it removed and failed. I let it ride out due to frustration and stress in my life. Now that I am better and figured ways to fix this situation here I am now needing to remove this. The first payment was on XX/XX/XXXX, then on XX/XX/XXXX was the first failed payment XXXX seen on the history of my credit report. Since then the charges been piling up and my credit got ruined. The charge was only {$300.00} and since the charge was not paid the late fees added up to {$2700.00}. I need this removed because I did not sign up for the account of Acima and is not responsible for purchasing any lease. I did get fraud done to me and I have a witness that Im not the first victim of fraud done through acima from the owner of XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-30
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Synchrony Bank is the servicer for my XXXX XXXX XXXX account. 

Whenever you engage in a phone call with them, either you call them, or they call you, they record the call whether you give permission or not. If you state you do not consent to recording, they claim they can not turn off recording. My state, California, is a " two-party '' ( all-party ) consent state. When someone says they do not consent, the recording party is supposed to immediately discontinue recording. The relevant statute is California Penal Code section 632.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: WELLS FARGO & COMPANY
State: PA
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The XXXX and XXXX Credit Bureau is reporting inaccurate information on WF/XXXX  Per FCRA XXXX reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal 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 non-monetary relief
Consumer complaint received 2021-04-06
Company: Paypal Holdings, Inc
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Last year, my account was closed by paypal without a reason, and they can not tell me what happened with my account. They just can not help me to do business. That is annoying. Anyway, I was informed I can withdraw the balance after 180days. However, In XX/XX/2020, I noticed an unauthorized activity done by paypal, the money in my account was gone. It shows in the transaction note " {$9500.00} USD ; PayPal Posting Date : XX/XX/2020 ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation ''. 

I called, no one can tell what is that about. I tried to reach them several times for help, though the line is busy. a few months have passed, nothing worked. life is hard on me. I still gon na need to pay bills for the family. 

I just heard from a friend that I can file a report here. my paypal email is XXXX. 

Thanks in advance!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I checked my credit score and there are listings with companies claiming that I owe money for debts I do not recognize.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation