BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-13
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 2022-04-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Portfolio Recovery Associates placed alleged debt on my XXXX, XXXX and XXXX credit reports without modifying me. This is a violation of the Early Warning Clause which states that debt collectors are to notify debtors in writing before placing account on consumers credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Original creditor agreed to delete this account from credit report. THIS ACCOUNTS NEEDS TO BE DELETED AS AGREED. I attached proof of payment in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
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. 
XXXX XXXX Account # 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 explanation
Consumer complaint received 2021-10-20
Company: DISCOVER BANK
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
In XXXX I opened an account with Discover. During the duration of being an account holder have had a good customer experience, even opened a checking account with this company. However, on XXXX XXXX Discover sent me an email requesting that I complete IRS form 4506-C to provide consent for them to retrieve my tax documents to verify my identity. When received the email my first reaction was to contact the number on the back of my Discover card to find out if the email was legit or a scam. Per speaking to a representative was told that the consumer protection department is handling my account and that this request is part of an internal audit they do. I was also told if didn't file taxes then to let them know, so could verify my idenity another way. The problem is everytime I make a payment that pays down my balance significantly Discover 's consumer protection department places a hold on my account and says they have to verify my identity. Discover has verified my identity, as well as income, when I opened my account, and each time they've previously requested additional information over the two year duration I have had my account. They even verified my graduation date, as my account was originally a student account. Discover 's practice of requesting customers to consent to them reviewing tax documents raises questions about the legality of the request, as well as, if this practice is discriminatory. Therefore, I will NOT be completing IRS form 4506-C to Discover as do not consent to them reviewing my tax documents. On XX/XX/XXXX contacted Discover to notify will not be completing IRS form 4506-C, and the only consent give is for them to close my accounts if they deem it necessary. When contacted Discover per their representative XXXX in Delaware would have to contact the department directly. I asked her just to transfer my message internally to the department and she stated she was not able to do that. If this is a legit request why can't Discover representatives contact this department to notify of a consumers refufusal to complete the requested form? Have credit cards with other companies and they have never asked for consent to review my tax records. As previously stated, " Discover 's practice of requesting customers to consent to them reviewing tax documents raises questions about the legality of the request, as well as, if this practice is discriminatory and needs to be fully investigated. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: Collection Service Center, Inc.
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 information incorrect

Complaint:
This account popped up on my credit report and ALMOST cost me a mortgage ( and DEFINTELY increased many costs associated with it! ) I didn't even know what it was, but ( after dpomg research extensive research with my insurance company -- who was AMAZING! ) I found out that it turned out to be a medical collection for my son 's treatment in the previous months and that it was NEVER submitted to insurance, despite them having the insurance information on file and NEVER contacting me ( the creditor admitted this. ) This cost me a lot of money and almost jeopardized the closing of my first home purchase. I contacted the creditor multiple times ( mainly spoke with 'XXXX  ' the 'credit reporting 'manager ' ) -- and after spending HOURS on hold -- and being ASSURED that, while their 'back office ' did not have a phone number, they were 'PRIORITIZING ' this complaint and someone would reach out to me within 24 hours ( this was back in XX/XX/2020 -- have never received a call-back, and have called in 15+ times ) nothing was ever done. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: T.S. Holdings
State: AZ
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:
On XX/XX/2021 I was reviewing my credit report and noticed that there had been a collection reported on my credit report in error. IQ Data International XXXX in the amount of {$310.00} Added a derogatory mark on my Credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for this account. Debtor 's creditor did not verify this collection. 
Also there was NO written form of communication, contract or signature for this accused debt AT ALL. A bill without a written signature does not validate the debt and anybody can send a bill and say that it is mine. According to FCRA, IQ Data International has violated my rights as a consumer and I am requesting legal action to remove/delete this account immediately.

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 2021-10-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/15, I learned of multiple transactions that were unauthorized and made on my Wells Fargo Checking visa debit card. In total there were 15 transactions for a total of {$7500.00}. 

Wells Fargo waited until the last day before having to resolve the claim before issuing any provisional credit if not resolved within 10 business days. 

On the last day, they sent a vague denial without any justification despite the card being issued with Visa XXXX liability protection and in violation of Reg E.

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 2022-11-07
Company: Aldous & Associates, PLLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Have been receiving phone calls, followed by letters from ALDOUS & ASSOCIATES , PLLC XXXX XXXX XXXX XXXX, UT XXXX since 2021. It is for a gym that closed during pandemic, but this debt collector is claiming owed funds and sent a contract with forged signatures and initials, unknown bank account and incorrect birthday. Phone number XXXX on letter is not working. Have spoken with them on phone, returned emails with evidence, and sent copy of fraud investigation but still harassing as if nit received/do n't care

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: Paramount Recovery Systems, L.P.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX indicates date of service as XX/XX/13. This is almost 10 years. A debt that I don't know if it's mine and/or if it was paid off, since I have always had Health Insurance XXXX They say I owe the debt to XXXX XXXX XXXX XXXX. XXXX does not indicate who the Provider was.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06
Company: EQUIFAX, INC.
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: Investigation took more than 30 days

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$7000.00}, {$10000.00}, {$6200.00}, {$280.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated onXX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- OPEN ACCOUNTS -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7000.00} -This is not my account. 

-- CLOSED ACCOUNT -- 3. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account. 


-- PERSONAL ACCOUNT -- 4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6200.00} -This is not my account. 


-- COLLECTION ACCOUNT -- 5. XXXX  XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$280.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My name is XXXX XXXX XXXX with XXXX XXXX XXXX XXXXXXXX. I submitted a loss mitigation on behalf of XXXX XXXX after XXXX relief pre-payments. 
The trial payments were given on XX/XX/XXXX. XXXX XXXX XXXX did begin making payments since XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
A complete modification of mortgage was given to XXXX XXXX XXXX from Mr. Cooper on XX/XX/XXXX, on XX/XX/XXXX XXXX XXXX XXXX came into my office and signed the modification in my office. 
I put the modification papers on a XXXX XXXX and he said he drop it in a XXXX XXXX XXXX. 
On XX/XX/XXXX, XXXX XXXX XXXX was going to make his online payments and was block from doing so. Until he received a letter that the XXXX package never left XXXX. 
On XX/XX/XXXX I sent as per Mr. Cooper Request another modification application with all the documents requested and send the same via email, to no avail. On XX/XX/XXXX the servicer was changed to RightPath Servicing and the only intent here is to take XXXX XXXX home into foreclosure. 
This is not the time to take away homes, this is the time to reviewed what it was sent and provide help to homeowners. 
Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23
Company: U.S. BANCORP
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
Please find the brief details of the complaint made before the U.S.Bank attached. Having send this on XXXX of XXXX I still didnt get any response from the U.S.Bank.

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 2021-10-19
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, 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 Equifax Data breach and may have got into the hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Incorrect address since XX/XX/2021 added to report not by me. Trans union has not fixed this in the last 30 days even after mailing in the information requested for the address to be corrected. Same issue happened to XXXX and XXXX with corrected outcome within the last 30 days completed.

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 2022-01-16
Company: SYNCHRONY FINANCIAL
State: VA
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:
My Dick 's Sporting Goods credit card had its credit limit lowered without the required notification. There is no notice on the statement nor did I receive any notice in the mail advising that my credit limit was going to be decreased from {$1500.00} to {$790.00}. This was embarrassing today when I went to use my card at the Dicks Sporting Goods store at the XXXX XXXX, VA location. I was not aware of this change and so had a purchase, that I needed to make, not approved because of the lower credit limit. They lowered my limit to just {$25.00} over my current balance.

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 2023-03-24
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: Investigation took more than 30 days

Complaint:
hello I XXXX XXXX is not a third party is depressed because XXXX and Experian did not fix an error on my credit report and its causing not to get hired and its causing financial crisis in my household I can not get hired because my credit score has dropped because I am a victim of identity theft I have sent XXXX and Experian my ftc report over 67over and over I have called over the phone with them as well and they claim they didn't receive it which is a lie because I overnighted it and required a signature and they rep singed off on it acknowledging they received I am not receiving any help from them over the phone this has caused me server depressed because this is causing damaging to the character of my name please please help me I've been thinking bout XXXX because of these issue with XXXX and Experian because they are not helping me they even hung up on me and refused to transfer me to a supervisor I am sad and depressed because they claim they are here to help am I have still not have help in removing these fraudulent items I can't even take care of my XXXX kids I am now homeleness because of the damages you guys have caused to my name and household. please help m, e pleasseeeeeeee its been over 198 days still no response from them and they still have not deleted these items off my report hello help me XXXX  is ignoring me and Experian its been XXXX  months nothing done still

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 2021-09-04
Company: Self Financial Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Self Lender is reporting on my credit as a charge off for a credit card as well as an installment that I was paying into. I got behind on both as a result of the COVID-19 hardship, I explained the situation to Self & they decided to close both accounts as well as keep the money that I paid into the installment loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: SYNCHRONY FINANCIAL
State: DE
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
This is a problem with the Synchrony Bank. I had an account with Sam 's Club for a long time. Then they sent another card without notifying me which I never received. I could not get into my account online. They had mailed that card to an address in XXXX. I called and they closed that account and issued me another card. They same thing happened again. 

I opened a Lowes credit card account. The same thing happened with the Lowes account. 
Lowes also uses Synchrony Bank. The same thing happened twice. 

Today I received another email from Synchrony Bank about a Lowes account. I had to click on a link to open the letter. Again my zip code to open the letter would not work. 

I have not changed my address in over 30 years. I had to call the bank again to keep them from sending out a card in my name to an address in XXXX, Fl. 

I have plenty of credit and have had no problem with other companies or Banks

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 2021-10-13
Company: EOS Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX in equipment returned XX/XX/XXXX. As of XX/XX/XXXX according to XXXX customer service rep, XXXX credited my account {$1400.00} for equipment returned. XXXX did remove the debt from my credit but then sold the account to EOS CCA. I spoke with EOS CCA and they will not remove this debt from my credit report and they have it listed as a new collection when XXXX last reported XXXX XXXXAttached is a copy showing the equipment was returned and the last reported date from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: Affirm Holdings, 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: Information belongs to someone else

Complaint:
Greetings, I would like to file a complaint against Affirm. I dont recall having this account in the past. However, it continues to show up on my credit report. Therefore, I disputed the account through XXXX, XXXX, and XXXX on XX/XX/2021. In response, the account showed verified. 

As a result, I disputed this account with the creditor. On XX/XX/2021, I sent a dispute letter certified by mail requesting competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay. In response, I received an itemized printout. As a result, I sent a follow-up letter through certified mail on XX/XX/2021. In response again, I received the same itemized printout. 

As a result, I would like this item to be removed from my credit report. In addition, the company violated the fair debt collections Practice Act, Fair credit reporting act, and local state law by not providing evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay.

Company response to consumer: Closed with explanation