BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-10
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In XX/XX/XXXX, I filed a complaint against Synchrony XXXX because I could not get them to initiate a fraud investigation in regards to a WalMart account that was fraudulently opened in my name. The previous  complaint # was XXXX. 

Synchrony XXXX responded to that complaint, and said that they would initiate the fraud investigation, and they would respond back to me within 30 days. Over 60 days have passed now, and I have not heard anything from Synchrony XXXX about the fraud investigation results. Additionally, they are still reporting the account on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-10
Company: ENCORE CAPITAL GROUP INC.
State: NY
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 have never had an account open with this company. I have told them and disputed this before. I will not just give my money away especially for a debt that I did not consume I have disputed this already and received no help. Please help me in resolving this debt as it is not mine to pay for.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I was looking at my credit report a few years back and saw a collection account that I was not aware of. I also started getting calls from this entity, sometimes 10 calls a day. I told them I didnt recognize this debt and I already disputed it through all of the credit reporting agencies. They said that I owe the debt and still continue to call several times a day. I have no idea what this is for and told them so.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
TransUnion will not allow me to get my credit report. They have invalid information in the report. They ask me identifying questions and when I answer them correctly they tell me theyre unable to verify my identity because I answered the questions incorrectly. They have my name listed incorrectly as well. One question they asked me is my last two employers. They have me listed as working at XXXX. Im a XXXX at my current employer of 16 years. The second question they said I answered incorrectly is my mortgage company, XXXX XXXX. Well, I pay it every month and have for five years. Help me, please.

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 2018-01-16
Company: Russell Collection Agency, Inc
State: AR
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Russell Collection Agency INC began calling in 2016 while I was a resident in Arkansas, they are not licensed to collect debt in the state of Arkansas where I still currently live.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-12
Company: Atlanticus Services Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Cars was stolen on XX/XX/XXXX and used the next morning on XX/XX/XXXX they said that becuase I logged on and saw the transaction that it must have been fraud which is simply not true. I have tried multiple time to resolve this issue with no luck they wont even let me XXXX the choice. STAY AWAY FROM ASPIRE CREDIT CARDS AT ALL COSTS! Stolen XXXX $ from me!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-23
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
This is for all three big business bureaus Equifax, XXXX, XXXX. Has contacted me now on Plenty of occasions regarding information with my name, address, telephone number, a play, personal information, and accounts have been compromised. They are they are still using my maiden name XXXX access information open accounts in my name. They have student loans have been on deferred and that are being paid off all my status which is affecting my credit and not able to get anything in my name play XXXX XXXX are like heads regarding house in the car because of the high loan raid that should be on there because again I'm in school at XXXX and XXXX and all of them have been paid off on time. My lawyer XXXX XXXX  has spoken to them regarding and they said they're going to remove it and now I am contacting them each again to get it moved. They are not security my account at this supposed to and still information still going on the blackweb. Being alerted about. All they're doing is XXXX managing and catching defects here and there Play Still allowing accounts to be opened in my name in the choir he's to be over thirty a day. I haven't seen on the phone for two hours each day trying to get in touch with them in order for them to take off the fries in order for them to monitor of my account and for them to honor their I do need to have fall asleep back it and if so I can fill out and receive the conversation that I deserve I have not received any information I have not been able to get through anyone and my credit is going down. Which allows me not to be able to get any loans during this time this afternoon at the time where they're telling us if that's what's going to help us and I'm going to be able to do that due to to get streak app credit companies they have information on their claims that has not been mine that I disputed that I have the proof that wasn't mines and it's still on there affecting my score. They stated that they just they send me a letter regarding XXXX  had and it did this in town the XXXX I have not received it yet I have a membership at XXXX  and Equifax that I pay out of my own money each month for a boost and formica promote it properly and I'm still didn't tell him where I didn't say who is IRS IRS and Social Security

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 disputed an account named XXXX XXXX in the amount of {$110.00} with transunion as I have no contract with this company. They did not extend any credit to me. I have no dealings with them but yet they continue to report this inaccurate and unverified account. I want documents showing that they have in their files showing this belongs to me under the FCRA 15 U.S.C 1681g. If this can not be verified by this credit reporting agency it must be promptly removed under the FCRA 15 U.S.C 1681i. This is the law

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 2021-04-14
Company: Experian Information Solutions Inc.
State: OK
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 violated the CARES Act modifications to the FCRA by reporting the loan 180+ days delinquent after granting an accommodation. The CARES Act accommodation was granted for the XXXX, XXXX payment and scheduled for six months. Repayments started in XXXX, XXXX. Beginning in XXXX, XXXX XXXX, XXXX reported the loan " delinquent. '' At first, the report stated a history of 120-149 days past due. Then the report was 180+ days past due. Beginning on XX/XX/XXXX, we brought this to the attention of XXXX. We had a number of phone calls with its Home Preservation and Credit Dispute Departments. We further filed credit disputes with each of the Credit Bureaus. Those are pending. Several XXXX employees admitted the FCRA violations, sometimes in writing and all on " recorded lines. '' On or about XX/XX/XXXX, XXXX removed some of the negative information. However, there remains some negative entries including that the loan was " Affected by natural disaster, '' that it has a history of " 180 days or more past due, '' and that the loan is in " deferred '' status. When this was brought again to XXXX 's attention, it responded that the loan is being reported correctly and " at this time no updates are needed on the account. ''

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 2018-01-09
Company: JPMORGAN CHASE & CO.
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, I mailed my XX/XX/XXXX mortgage payment of {$1200.00} to Chase by certified mail. Chase signed for the payment on XX/XX/XXXX. Chase applied the mortgage payment as a {$1200.00} principal reduction payment. On XX/XX/XXXX, Chase reversed the {$1200.00} principal reduction payment and reapplied our XX/XX/XXXX mortgage payment as a principal reduction payment of {$1200.00}. I have contacted Chase daily to fix our XX/XX/XXXX mortgage payment. As of XX/XX/XXXX, Chase has not fixed our XX/XX/XXXX mortgage payment. Chase has not sent us our XX/XX/XXXX or XX/XX/XXXX mortgage statement even though I have repeatedly contacted them for our mortgage statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: COLLECTION SERVICES OF ATHENS, INC.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a notice of a collection on my XXXX  report on XX/XX/2021 which I immediately contacted the collection agency, COLLECTION SERVICE OF ATHENS for debt validation via phone. They were unable to locate any collection with my name, last 4 of SSN, address, or telephone number. They advised me to send a screenshot of the report that I was referring to which was sent on XX/XX/XXXX. I provided contact information such as my phone number, email, and home address which is what they used to update this account and did not respond to my email. Since no response was received, I filed a dispute online with XXXX and it was returned as verified on XX/XX/XXXX. Unsatisfied, I followed up on the email to CS Athens on XX/XX/XXXX requesting a response to my previous email. I still had not received a response and contacted CS Athens via phone once again. Suddenly they were able to find the account in question with my address because they updated it from the email I sent originally. XXXX at Compliance Department advised me that they are not allowed to contact me about this debt due to the state I reside and I will have to provide a signature requesting a fraud packet be mailed to me. After this conversation, I contacted the XXXX XXXX XXXX located in Georgia ( which I have no ties to ) in which the debt had originated. I spoke with XXXX in the billing department regarding this debt. They were unable to locate me as well due the spelling of my name not matching what they have on record for this account. They had a Georgia address on file with no SSN for this debt and advised me that there is a second account going to collections and they will put a hold on it while they investigate. She said someone will return my call within a week and if I dont hear back, to call them again. I have been back and forth with CS Athens, XXXX XXXX XXXX and XXXX  all within the last month to have this matter resolved.

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 2019-04-17
Company: Birchwood Credit Services, Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint:
XXXX credit XX/XX/18 I never was brought up or learned about soft inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: Maximus Education, LLC dba Aidvantage
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Federal Loan Forbearance XXXX XXXX. Qualifying federal loan borrowers who were residents of Maryland and other states. XXXX has already been fined and investigated. On the website it was suggested that I file a complaint to resolve the issue and hopefully get a refund of some of the interest charged and the forbearance fees that were overcharged.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: Experian Information Solutions Inc.
State: MO
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 noticed that XXXX XXXX  XXXX have placed an inquiry on my EXPERIAN credit file dated XX/XX/2020. On multiple occasions I requested XXXX XXXX  XXXX and EXPERIAN to verify these inquiries. They have yet to do so.

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 2019-04-17
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
USAA stated on XXXX that they will not proceed with consideration of my mortgage application unless I pay them {$500.00} before XXXX. The loan officer said that the payment is required of all borrowers to demonstrate their commitment to USAA as their lender. I do not believe that I should have to pay USAA for consideration of my VA loan application.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
Company: EQUIFAX, INC.
State: FL
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:
In accordance with the Fair Credit Reporting Act ; XXXX Account # XXXX, XXXX XXXX  Account # XXXX, DEPTEDXXXX  Account # XXXX, XXXX  Account # XXXX, XXXX XXXX  Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX Account XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A states I have rights 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.

They also violated my rights under 15 USC 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they received my disputes.

They also violated my rights under 15 USC 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: AMERICAN HONDA FINANCE CORP
State: AZ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I have had nothing but problems since the beginning of the purchase of this vehicle in XX/XX/XXXX. I was sold warranties for Honda to cancel. My husband and I decided in XXXX to pay off the lease and sell the vehicle prior to the lease-end term. The vehicle was paid off in full on XX/XX/XXXX ; the title was to be released and sent 10- business days after that as confirmed by several representatives. The title was not sent until XX/XX/XXXX ; 14 business days not including weekends and holidays. The title, when received was a title Honda reported lost ( title number XXXX ) the title was issued and reported lost by Honda XX/XX/XXXX ; the new title ( XXXX ) was issued on XX/XX/XXXX and is currently the VALID title for Arizona per MVD record. Honda currently does not know where the valid title is. I have sold the vehicle at this point ; I requested for a POA to be sent XXXX XXXX to me ; it was sent regular mail ; I then called back to have it XXXX 'd ; in which it was. However, the POA received is invalid as there are two names ( my husband and myself with my last name cut off stating " XXXX '' ) a valid POA can only have ONE person and then a subsequent POA for the other person. The MVD said Honda should know this and should have provided two POA 's one for myself and one for my husband that will allow us to transaction on the vehicle. I have requested multiple callbacks, no one has called me back. I have spent over 10 hours on hold for just the title issues, explaining to representatives and traveling to MVD. I may lose the sale of the vehicle I will hold Honda not only financially responsible for my time but for the loss of the vehicle sale. I just called again today to request VALID POA to be XXXX 'd overnight.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17
Company: Experian Information Solutions Inc.
State: MN
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please Remove the Fraud alert in my Credit File 10 years I can't get a Loan and have endless banking problems caused by the Fraud Alert on my Credit file makes it so I can't open any new Bank acounts 50 Time I wrote the 3 Credit Burros with 3 Forms of ID and Ask the Credit Burrow two Please remove the Fraud alert on my Account Please Remove

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 2021-04-14
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of the Equifax data breach and my social security number has been compromised. As a result of this. I am a victim of Identity theft and there are fraudulent accounts on my credit report. I filed an Federal Trade Commission Report. I have my Identification attached as proof of my name and address. This information is not information relating to any transaction by me. I also notarized my dispute letter to prove that it is me that sent the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17
Company: CL Holdings LLC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have 2 collections reporting on my credit reports from XXXX XXXX XXXX. I want these account properly verified and validated according to the law and the FDCRA. 
There is no way this collection agency is able to do that because I have no knowledge of the accounts reporting and I have never had Services with XXXX XXXX. They have also added another collection claiming they are collecting for XXXX XXXX XXXX, also something I know nothing about. 
These collections are damaging my reports and my good name

Company response to consumer: Closed with non-monetary relief