BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-05
Company: Bull City Financial Solutions, Inc
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
Company: Experian Information Solutions Inc.
State: TN
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 inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for 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 30 days so they should be deleted promptly. I demand these accounts should 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 2023-05-16
Company: OLD NATIONAL BANCORP
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I opened up a business in XXXX and pulled my credit report. I had a personal loan from FIRST MIDWEST BANK and my loan got paid off got transferred and being collected by OLD NATIONAL BANK. I saw that since XXXX they have been pulling money out of my account ( {$400.00} ) with no authorization consent, contract or loan that I applied from them. I have been trying for the last XXXX  months to answer 's from them customer service keeps telling me someone higher will call me, never does they have refused to answer my letters asking for the auto payment authorization my signature the contract promisary note anything between the 2 parties or the loan application itself, I do not get answered. I have all my original papers from the original loan. They opened a loan in my name and collecting on it. It's fraud and theft and doing business in bad faith.

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 2022-04-27
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Hello, My name is XXXX XXXX. I am residing at XXXX XXXX XXXX XXXX XXXX NJ XXXX. I went one day to pep boys for car service where I was told to open up pep boys credit card and get discount on services. Now the pep boys credit card is run by synchrony bank XXXX XXXX XXXX, XXXX, FL XXXX. This bank is such a fraud and wrong doing they have charged me ridcouoous amount of late fees. I called them today that is XX/XX/XXXX and they told me late fees have rounded total for XXXX XXXX Now I have been Keeping up all my accounts till now except synchrony because no matter how many times I tried I was not able to log in online on their mobile app or website. Every time I called their customer care they had ridiculous long wait times and then getting transfer to technical person through which even my account was not getting setup. They closed my account without my knowledge. Which I got to know today on XX/XX/XXXX. I am told today that my account was closed on XX/XX/XXXX. Since starting of XX/XX/XXXX they have fined me late fees as due to lack of online account I was not able to keep up with this bank payments. I have 2 other credit account which I have been keeping up in very good standard. And I have read in the customer protection a bank can not charge after closing the account this ridiculous late fees 1026.52 ( b ) 2 ) i ) ( A ). Few agents were helping me out to get rid of few late fees, other than that nothing. 
Please help me out with this issue find the following details XXXX XXXX Account number XXXX Contact number 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 2022-12-24
Company: EQUIFAX, 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: Account status incorrect

Complaint:
XXXX XXXX Account needs to be completely deleted from account! this was a pay to delete for a settled amount! XXXX has completely removed this from consumer report. It should also be removed because this was a collection account thats reporting as open which is not under FCRA compliance, this is a violation of requisite XXXX XXXX Compliance reporting standards. My dispute letter was sent before they listed it as paid on my consumer report! According to the Fair Credit Reporting Act I have a right to a completely accurate report, and its required to be removed if any information is not true, verifiable, and accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for 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 30 days so they should be deleted promptly. I demand these accounts should 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 2017-02-28
Company: Chaplain Financial Services LLC
State: WI
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I continue to receive calls from Chaplain Financial stateing I owe payday loans from several years ago from XXXX different payday loan operations. I told them I have never taken a payday loan out. They gave me information that was mine but was not consistent. Ex, old addresses, old employers etc. At one point they told me they were going to take me to court- I said I have n't received any judgments in the mail. They stated that they came to my home and took pictures. They have also called my sister and brother asking about my where about. I called them and asked for a verification letter showing the debt I owed and the Virginia creditor- they sent me an email but it did not have much information on it but the name of the creditor- which I looked up and could n't find a working numbers for any of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Iv been Trying to fix my Credit report for XXXX  years with little to no results. According to the 15 U.S.C 1681 Law there should be no damages on my report, its a defamation to my Character. On XX/XX/XXXX threw XX/XX/XXXX. I opened a dispute on Experian Report number XXXX and nothing was done. The results were done on XX/XX/XXXX. I'm also a victim of identity theft according to Experian 0n XX/XX/XXXX. They offered no Remedy for that reporting. I'm also a victim of Experian Data breach and was offered no Remedy. I'm trying to get a simple loan and continuously get denied. Out of all disputes not once was I giving proof of me doing business or signing a contract with these company 's.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: Bread Financial Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Comenity Bank has and still has a system breakdown where myself and hundreds if not thousands of consumers can not access their accounts to pay or use their credit cards. 
Comenity Bank will not take responsibility for this and now has passed off to collection agency after ruining my credit. I am part of a class action law suit and am waiting for settlement as per my lawyer. I, along with hundreds if not thousands are suing Comenity Bank for ruining our credit. Comenity Bank 's irresponsible actions have caused me to lose the ability to lease space to teach my classes and have impacted my ability to earn income as well as renting and purchasing a home by decreasing my credit score from good to fair to poor all their fault. I will counter sue Comenuty and credit collection for this. I have months of proof with broken links sent by Comenity bank and proof that I could not access my account and associates who could not access or find my account. I have a stellar payment history with all my credit and Commenty up until XXXX when their system was compromised.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-27
Company: EQUIFAX, INC.
State: MD
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 was trying to buy a house and I realized I have damage on my credit report According to the 15 USC 1681 law there should not be any damages on my report. Its a defamation to my character. Here are the inquiries on my Equifax credit report. 
XXXX Inquiry XXXX, XXXX, XXXX XXXX XXXX XXXX  XXXX Inquiry XX/XX/XXXX XXXX, XXXX Inquiry XX/XX/XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX XXXX- Inquiry XX/XX/XXXX XXXX- XXXX XXXX- Inquiry XX/XX/XXXX XXXX  XXXX- Inquiry XX/XX/XXXX XXXXXXXX XXXX XXXX- Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX- Inquiry XX/XX/XXXX XXXX  XXXX- Inquiry XX/XX/XXXX XXXXXXXX XXXX XXXX- Inquiry XX/XX/XXXX XXXX  XXXX- Inquiry XX/XX/XXXX XXXX XXXX XXXX- Inquiry XX/XX/XXXX XXXXXXXX XXXX XXXX- Inquiry XX/XX/XXXXXXXX XXXX- Inquiry XX/XX/XXXXXXXX XXXX XXXX- Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX- Inquiry XX/XX/XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX- Inquiry XX/XX/XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX- Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX- Inquiry XX/XX/XXXX XXXXXXXX XXXX XXXX- Inquiry XX/XX/XXXX XXXX XXXX XXXX- Inquiry XX/XX/XXXX Here are the inquiries on my XXXX  credit report . 
XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX- Inquiry XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX- Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX- XXXX XX/XX/XXXX XXXX Inquiry- Inquiry XX/XX/XXXX XXXX XXXX- Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX- Inquiry XX/XX/XXXX XXXX  XXXX XXXX- Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX- Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX- Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX- Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX- Inquiry XX/XX/XXXX XXXX XXXX XXXX- Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX- Inquiry XX/XX/XXXX XXXX XXXX XXXX- Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX- Inquiry XX/XX/XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX- Inquiry XX/XX/XXXXXXXX XXXX XXXX- Inquiry XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: Receivable Management Group, Inc. (GA)
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ON XXXX the company RECEIVABLE MANAGMENT GROUP RESPONDED TO A COmplaint of mines in a frivolous manner.i want this company to be advised that all corresponding between me and this company will be held againt them for LEGAL purposes.i am DEMANINg this company delete this collection from my consumer report.they have violated my rights on numerous occasions i have giving this company numerous opportunities to do so. all corresponding documents againt this company will be held for leagal purposes BE ADVISED, I HAVE JUST GIVING YOU A FAIR WARNING!!! this company had volated my consumer rights and is aware that they have .so as my rights i am entitled to get in contact with my state attomey general for further assistance ..i will invoice this company baed on the statements of facts that they have provided me whith, which is has been considerd a violation under the FAIR CREDIT REPORTING ACT 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. I WILL BE INVOICING YOUR COMPANY WITH THE VIOLATIONS YOUR COMPANY : RECEIVABLE MANAGMENT GROUP HAS COMMITED AGAINT ME

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Transunion is reporting inaccurate information on my credit report. 

The following information is the inaccurate information. 

XXXX XXXX XXXX  Loan 2 late payments, when there is no late payments. 

The following closed accounts are showing incorrect data on my credit report. 

XXXXXXXX XXXX XXXX shows as a charge off as well as a balance at the same time. How can a charge off have a balance delete this inacuracy. 

XXXX XXXX XXXX shows as a charge off as well as a balance at the same time. How can a charge off have a balance delete this inacuracy. 

XXXX  XXXX XXXX shows as charge off with a balance how can a charge off have a balance please delete this. 

XXXX  XXXX XXXX shows as charge off with a balance how can a charge off have a balance please delete this. 
XXXX XXXX XXXX  shows as charge off with a balance how can a charge off have a balance please delete this. 

XXXX  XXXX XXXX shows as charge off yet it has a balance how can a charge off have a balance please delete this. 

The following names on my profile are not my name 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 2023-01-05
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Ive checked my credit report and noticed that experian still has not remove address XXXX XXXX XXXX XXXX XXXX XXXX ga XXXX has not been removed from their database but XXXX XXXX and XXXX have removed the incorrect address Also employers XXXX  XXXX  & XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: EQUIFAX, 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.

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 response to consumer: Closed with explanation
Consumer complaint received 2021-08-08
Company: AMERICAN EXPRESS COMPANY
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
On XX/XX/XXXX, I paid for An XXXX XXXX airline round trip for {$190.00} including trip flex for flexibility to cancel and/or transfer partial credit if I did not travel on XX/XX/XXXX. I could not travel. I called XXXX to notify but their lines continue to be busy by telephone ( multiple numbers ), chat ( not working ) and now by email. I was never able to notify them of not traveling as it is impossible to notify anyone at XXXX. I spoke to American Express XXXX Dispute services with customer service. They told me to work with the merchant. I told them I would but I am unable to even contact them. They tell me that they would not be able to do anything at this time. I told them that this was deceptive that no one can contact the airline. 

They told me that it is not fraud. I am unsure if they have made a legal conclusion. In any case, what is the point of having Trip Flex and pay for change airline protection when you can not even notify the airline of the intention to change the flight. 

I questioned American Express on why they keep the service with the airline and they would take it up with management. I wonder why I have no rights as a consumer with my credit card. 

I will eat the cost but it sound like a fraud. They sell the ticket. They then sell the tripf lex but you can not contact them for the trip flex product protection. Why even both with any trip flex. The cost of the ticket is {$130.00} but the trip flex is {$60.00} and the product for protection is not with any protection. The American Express customer services is the problem and I told them that as a consumer with the credit card division for 34 years since XXXX that I can not do anything as I spend several tens of XXXX a month on the credit card and it is not " fair ''. 

This may be a very small issue and it is to anyone who is poor or gets scammed but XXXX can not sell travel protection when the product and not able to be claimed and or utilized and American Express as a business should protect consumers from at least unfair business practice. 

I ask them if there was any consumer protection but apparently I was told that there is none and they are just intermediaries now. Perhaps it was different decades ago??

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
The original case number was reported in XX/XX/2017, stating that my wife and I are in the middle of Short sale. I would like to report with proper documentation from XXXX that the house was sold on XX/XX/2017. The property address XXXX XXXX XXXX. XXXX GA, XXXX. XXXX XXXX and XXXX XXXX XXXX do not own the house anymore and please see attached documentation that the amount owe needs to be taken off from our credit. This is no longer our debt, we sold the house. See attached closing documentation.

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 2022-10-08
Company: Experian Information Solutions Inc.
State: WA
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 inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for 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 30 days so they should be deleted promptly. I demand these accounts should 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