BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-09
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I received a copy of my credit report which showed accounts and inquiries that I did not authorize. I understand you should not be allowed to put an account or inquiry on my file unless I have approved it. I have provided a police report, and I am currently working with an investigator to stop the use of my name by someone who has stolen my identity. Please Have the following accounts inquiries removed from my credit file at once because i did not authorize them, and they are fraudulent. ( List Unauthorized Information ) : Fraudulent accounts : DEPT OF ED/XXXX : Acc NO : XXXX Date Opened : XX/XX/XXXX DEPT OF ED/XXXX : Acc NO : XXXX Date Opened : XX/XX/XXXX DEPT OF ED/XXXX : Acc NO : XXXX Date Opened : XX/XX/XXXX DEPT OF ED/XXXX : Acc NO : XXXX Date Opened : XX/XX/XXXX. Fraudulent Inquiries : XXXX Inquiry date : XX/XX/XXXX. Also be advised the Fair Credit Reporting Act states that any information that is kept on an individual 's credit report must be correct. this includes unauthorized inquiries. if your company refuses to investigate and respond to my request within 30 days from the receipt of this letter, I am prepared to file a lawsuit in small claims court. Also, be aware that the return receipt/signature of this certified letter is the evidence of your receipt of said request. I have sent this letter because I need your Prompt response to this issue and i need written correspondence as evidence your company is acting upon my request. 

Sincerely, 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 2018-05-23
Company: Franklin Collection Service, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My family and I moved to TN in XX/XX/XXXX and before moving I terminated our XXXX XXXX XXXX account. After said move I noticed that Franklin Collection Services was reporting on my credit report with a debt. Upon seeing said report I promptly contacted Franklin Collection Services and was told that the collection was for XXXX XXXX XXXX. I explained to Franklin Collection Services that I had not received any notice that told me I had any past-due amount and that no one had contacted me regarding this issue. Franklin Collection Services told me that I could pay the debt and the account could be closed. In XX/XX/XXXX I made payment to Franklin Collection Services of {$140.00} which paid the debt in full and the account was closed on XX/XX/XXXX. After closing the account I contacted Franklin Collection Agency to ask them to remove the closed account from my credit reports to which they said " XXXX XXXX XXXX will not allow us to take the account off the credit report ''. My family and I are trying to buy a home and this negative mark on my credit report is hurting the chances of getting that home. No one had contacted me regarding this issue. I paid the account in full. I would like the negative mark removed completely from all 3 credit reporting agencies. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23
Company: Crow Creek Sioux Tribe
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
have a payday loan and interest rates are higher than what the law states

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: NC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Vajderbilt mortgage refuses to return my escrow funds of {$880.00} after home was paid off. They claim there is no escrow but i have a screen shot of my mortgage account showing all payments, escrow, taxes, my loan number and do on.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: Bread Financial Holdings, Inc.
State: PA
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 have a fraud alert placed on my credit report because of previous hard inquiries from a bank called Comenity capital / XXXX which was resolved with XXXX in XXXX of XXXX. 
On XX/XX/XXXX another inquiry from Comenity Bank Capital showed up again this time on XXXX this time when I disputed the hard inquiry I was told that even though I have a fruad alert on my account they could not remove the hard inquiry till I filed a report with the CFPB. 
I am a victim of repeat fraud with this particular company Comenity Capital, Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-28
Company: 2288984 Ontario Inc.
State: UT
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I paid this loan off in full on XX/XX/XXXX. I received a receipt but not a pay off letter. I then received a letter in the mail in XXXX of XXXX saying that this debt had been sent over to a another collection agency. I contacted money key and they said they couldn't help me because I had to speak with the collection agency. The collection agency was less than helpful. So I contacted the creditor that the money was paid to. They sent me a paid in full letter. However they keep sending the debt to different collection agency to try and collect more. I need this to stop as it is affecting my credit and reputation. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Hard inquiries from : 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 2020-07-29
Company: Square Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On Sunday XXXX XXXX I was doing a business transaction with a young lady whom I just found out is a fraud and scammed me out of {$95.00} through cash app. Ive tried everything I can with cash app to assist me and help me with getting a refund and also them looking into the account that scammed me but no action has been taken on their end. Cash app told me to request a refund from the person that scammed me and I did but they blocked me from requesting my payment back, cash app is saying they can not give me my money back or issue me a refund and I feel like that is horrible customer service and they need to be shut down, the girl needs to be put into jail, and if they cant get a direct customer service number then they no longer need to be available for use. I am very hurt by this situation of not being able to receive my money and cash app not helping me get my money back. Please help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08
Company: Resurgent Capital Services L.P.
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Received a letter from XXXX XXXX XXXX XXXX on XX/XX/XXXX. The letter was to settle a debt that was transferred from Cach or Resurgent LLC. Who I found out after speaking with XXXX XXXX that they transferred the debt back to Resurgent LLC. After I had requested a Debt Validation. My main concerns are they have not ever validated the debt that I request, and upon speaking with them they tell me I need to provide proof of the difference but that is their job as they are collecting on this account. I have never received a break down of how they come with the terms of what I owe. They also do not communicate or update me with anything in regards to this account. Not until I spoke with a collection representative named XXXX today XX/XX/XXXX at approximately XXXX that my account had a cease and desist which I did not put on the account. In addition to the debt validation and balance dispute ; When Cach first took over this account in XX/XX/XXXX they never sent me any correspondence informing me this was an attempt to collect a debt or that it was in collections. I had a personal loan with XXXX  or XXXX XXXX and when it had fallen behind I was under the impression I was with an in house Collection or team who would help me get the account in current status and not until I missed a payment is when all of a suddent this collection is on my credit and they demand the full payment or an unaffordable monthly payment. The whole relationship with this collection agency has been falsely represented and unfair from the start and they need to be fined or looked into on their practices. Furthermore, if this is a business who wants to settle or collect on a debt they would have realistic payments and at this point I am being yo-yoed and played with over a debt that could be paid for and settled. I don't know who to work with or make payments to when I do try to agree to some sort of terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: BARCLAYS BANK DELAWARE
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I am requesting that Barclay Bank waive/refund the late fee of {$29.00} incurred in XX/XX/XXXX due to what I believe are several system errors through no fault of my own. Barclay customer service advised that they never received a payment in XX/XX/XXXX. But I never cancelled any of my {$86.00} payments! I have included all the documents which prove the payments and transactions and errors. 
XXXX approved for Barclaycard Financing Visa for an XXXX XXXX purchased XXXX on XXXX website for {$1500.00} and I set up automatic payments 7 days prior to the due date for {$86.00} for 18 months on the Barclay Bank website. 
XXXX I decide to increase the payments to {$130.00} to pay the loan off early. 
XXXX **** This is the 1st system error occurred as I discover that the monthly payment doubled : Your scheduled payments of {$260.00} pays the minimum amount due of {$29.00} by XXXX XXXX document is attached. I write to Barclay : I just revised my monthly payments to {$130.00} per month ... this is now showing up as {$260.00} double what I authorized! Please correct this. 
XXXX Barclays claims my payments are only {$130.00} : Upon review, we can confirm that your account is currently enrolled in recurring payments. Our records show that your payments are set up for {$130.00} to be applied monthly on the payment due date. 
XXXX Because of issues with the Barclay automatic payment system I change the monthly amount back to {$86.00} with auto payment scheduled 7 days prior to the due date with screen clearly showing XX/XX/XXXX as the next due date. I receive a confirmation. 
XXXX XXXX This the 2nd system error. I receive an email that the {$130.00} has been cancelled. However - I never received any notification that Barclay had cancelled the {$86.00} payment for XX/XX/XXXX! 
XXXX I anticipate paying off the loan in XXXX as calculated via my auto payments but discover that the Barclay website shows that I owe a balance of {$200.00} rather than {$86.00}. I spoke with XXXX in Barclay customer service that my balance shows {$200.00} instead of {$86.00}. She verifies that 18 month payments of {$86.00} would pay off {$1500.00} by the last due date in XX/XX/XXXX. She discovers that there was no payment in XX/XX/XXXX and that I incurred a late payment fee of {$29.00}. Not good since I never cancelled any of my {$86.00} payments! Note also that the payments resumed in XX/XX/XXXX without any further action from me. 
I have gone ahead and paid off the {$200.00} balance and cancelled the XXXX {$86.00} payment. 
I request that the {$29.00} be refunded.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-25
Company: BBVA FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
I have several inquiries on my report that I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19
Company: The Outsource Group, Inc
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
A bill, which had already been paid in full, was submitted to XXXX. XXXX knows there is not debt.? They have submitted a letter to me that they were submitting a deletion to the credit reporting agencies. That was in XX/XX/2018. This still shows as a collection account on my credit report after more than 4 calls over the last few months.

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 2021-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Transunion is in violation of 15 U.S Code 1681b - Permissable purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates They are also in violation of 15 usc 1681a under the Exclusion section ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; the definition of credit card according to 15 U.S. Code 1602 under section ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX is reporting incorrectly to Experian and XXXX a collection on the XXXX XXXX, XXXX account number XXXX. ( Please see page attached from my credit report. ) This account has been paid in full and I agreed to a pay for deletion with XXXX XXXX, XXXX. This incorrect reporting of a collection is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this item however, I have not been successful.

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 2019-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
XXXX and Transunion are reporting incorrectly that I am 120 day past due on the XXXX - partial account number XXXX. ( Please see page 11 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to XXXX. This incorrect reporting is harming my credit scores. Keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2017-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
I am checking my credit and notice a delinquent amount of {$84.00} owed to XXXX XXXX from XXXXX of 2016 and do not recall what this is. If I owe it, I would like to pay it and get it off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17
Company: Revco Management, LLC
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
COLLECTOR KEEPS CALLING ME ON MY CELL ( XXXX ) XXXX OR ( XXXX ) XXXX SKIP TRACING FOR MY MOTHER XXXX XXXX FOR A DEBT. CLIENT TRF XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-08
Company: Experian Information Solutions 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: Information is missing that should be on the report

Complaint:
I been reaching out to all three credit bureaus and I have asked them to do an thoroughly investigation on all late payments showing on my XXXX XXXX   account number XXXX according to FCRA 609 ACT. It clearly states that they are supposed to remove any negative items they have not investigated completely ...

I need to find out who did they speak to?

how was this information verified?

who completed the investigation from the credit bureaus?

It clearly states by law that if they did not complete the information between 30 to 45 days these items are supposed to be removed I am demanding these late payments to be removed due to the credit bureaus violating the FRCA

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 2018-05-23
Company: LDF Holdings, LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
XXXX XXXX keeps calling and emailing me saying I owe money to them and if I don't pay I am going to jail. I am not familiar with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16
Company: Ad Astra Recovery Services Inc
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I GOT A ALERT THAT A NEW ACCOUNT HAD BEEN ADDED TO MY CREDIT REPORT AND DISCOVERED A ACCOUNT FROM AD ASTRA RECOVERY SERVICE. THE ORIGINAL CREDITOR WAS XXXX XXXX FROM WHICH A ACCOUNT WAS OPENED ONLINE IN MY NAME. I CONTACTED THIS COMPANY AND TALKED TO THEM CONCERNING THAT MY ID AND TABLET HAD BEEN STOLEN FROM MY TRUCK AND A POLICE REPORT WAS FILED WITH XXXX XXXX PD. BOTH COMPANY 'S COULD CARE LESS AND DEMAND PAYMENT REGARDLESS OF THE FACT THE ACCOUNT WAS OPENED BY SOMEONE ELSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Hello this is XXXX XXXX with current address at XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX My account number is XXXX I'm your customer for over 2 years now. 
So far everything goes well with my XXXX project account.

Im writing because I noticed that my most recent credit report contains a late payment reported that is really hurting my credit now.

I want you to know that I understand my financial obligations. Id have an excellent repayment records. 
I made a mistake in falling behind, because I was out of country for 2 months and due to Covid-19 Travel restrictions I was not able to come back on time and do my payment in timely manner.

My payment history for the last 9 years was 100 % up until this belated accident.

We all know how difficult was in the last two years with COVID-19 and I still tried to do my best.

Thank you for your consideration, and I hope you'll will help me to resolve this issue.

Best regards.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: Experian Information Solutions Inc.
State: NY
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. 

Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX # XXXX, has violated my rights. 
Account name : 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 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