BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-12
Company: MIDCOUNTRY FINANCIAL CORP
State: RI
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was working with a financial advocate to clean up my credit report and get my debts cleared and in doing so we disputed some things on my credit report to make sure things were accurate. A payday loan that I took while I was in the military service from a company called XXXX XXXX is the problem. I initially took the loan for {$3000.00} dollars on XX/XX/2013. I paid this loan until I was XXXX from the military on XX/XX/2013. I brought this balance down to {$1600.00} dollars over this course of time with {$120.00} payments every month via an alotment on my paycheck. After I was XXXX from the military I lost everything and I went through a period of XXXX. Working with the advocate, after we disputed and checked the accuracy of the debt and it was reported completely accurate at {$1600.00} dollars by all three credit bureaus. Within 60-90 days of getting the reports that it was accurate, the creditor sold my debt to another party and increased the debt to {$4100.00}. This is a violation of the fair credit reporting act and the fair debt collection practices act and therefore, I want the amount to reflect accurately and I want to stop this company from doing this to veterans like me. I need help bringing a suit under the fair debt collection practices act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-08
Company: Firstsource Business Process Services, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was alerted by a credit monitoring site that a negative account was placed on my XXXX report. I never received any mail / notice from the company to let me know that I even had a debt. The report says I opened this account in XX/XX/XXXX, I was XXXX XXXX XXXX in XX/XX/XXXX I DID NOT TAKE OUT A XXXX LOAN OUT FOR SCHOOL at XXXX XXXX XXXX!!! I want this taken off my credit report immediately!! This company could have at least let me know about the debt so I could either pay it off or dispute it if its not mine! I have not been in school since XX/XX/XXXX so even if this debt is mine that means the account is over 7 years old!!!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17
Company: National Credit Adjusters, LLC
State: UT
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:
National Credit Adj keeps updating on my credit report and it is not mine. It shows a XXXX balance and paid but its not mine & they keep updating and damaging my credit monthly.

I have been disputing with The credit bureaus XXXX and XXXX and they have yet to prove that this is mine. XXXX XXXX   IS NOT VALID VERIFICATION PER THE FEDERAL COURTS. 
This needs to be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: CreditNinja Lending, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
On XX/XX/2021, I revoked my ACH authorization and was told via email and phone that the ACH authorization had been noted and that my bank account information had been removed. Today, XX/XX/2021, a payment was deducted from my bank account. This payment was not authorized by me. I have contacted the company to reverse the payment but with no response.

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 2018-04-08
Company: SYNCHRONY FINANCIAL
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: Account information incorrect

Complaint:
I have repeatedly disputed the accuracy of a Care Credit/Synchrony Bank account that is reporting inaccurate derogatory information on my credit reports. According to my XX/XX/XXXX XXXX credit report ( see attachment ), Care Credit/Synchrony Bank reports a closed account ( Close Date :  XX/XX/XXXX ) with a credit limit of {$500.00}. However, the High Balance and Original Charge Off amounts are reporting as {$1400.00} in XXXX. In my previous disputes, I requested copies of the original signed agreement and terms and conditions for the account to assist with determining if the agreement outlined that interests and fees would accumulate after the account was closed. Synchrony Bank did not provide me a copy of the original signed agreement and terms and conditions of this account, as requested. However, they provided copies of purported billing statements that do not reflect that the account was closed in XXXX ( as reported on my credit report ) nor does it substantiate what the original signed agreement and terms and conditions were? 
Therefore, I am requesting a CFPB INVESTIGATION for this account. Specifically, I am requesting that Synchrony Bank provides a copy of the original signed agreement and terms and conditions to substantiate that an account, in good standing, can be closed then exorbitant fees be assessed for years, thereafter? No reasonable person would agree to paying nearly three times the original credit limit in fees. This is a fraudulent accounting practice that allows big banks to write off excessive amounts of losses that consumers never truly owed. 
Further, the fraudulent misreporting of this account information on my credit reports is a blatant violation of the Federal Credit Reporting Act.

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 2018-04-08
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2017 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-31
Company: Risecredit, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I am writing to the CFPB once again about Rise. I was promised than once my charged-off account was reversed I would only owe the amount of interest accumulated before the charging off and also the principal. However, once the charge-off was reversed the interest began accumulating once again. This was contrary to what was promised to me. The account information online also does not contain any of the documents made between Rise and I, and the information provided is not accurate regarding amount owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX XXXX has been deleted of my credit file/ report from XXXX  and I am requesting the same for Transunion and XXXX . This has been an ongoing dispute and long process with Transunion and XXXX. XXXX XXXX has held me accountable for unauthorized interest charges, late fees and charges that accumulated after this account/ card has been reported fraudulent and has continued to be left open for accumulated charges, interest charges and late fees informed for this company to get funds from me not owed. My information was compromised in the XXXX data breach in 2017 and also in the recent XXXX  data breach. I am currently conducting a XXXX Settlement through XXXX for this matter. I have also did a Identity theft report, filed numerous disputes with them that has been unsuccessful due to them trying to collect moneys not owed to them. I have also been harassed on many occasions.This account should not be still reporting and should be deleted off my credit report with Transunion and XXXX as this is damaging my credit and not accurate. The balance on this account owed is XXXX dollars and I was informed that this account will be deleted off my credit file as XXXX did already. Please see attached documents

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: Merchants' Credit Guide Company
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I received a notice that a debt collection had been added to my credit bureau file in the amount of {$1600.00}. The credit collection agency is Merchants Credit located at XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX. I sent the XXXX debt validation XX/XX/XXXX. I sent through certified mail with return receipt and received no response. I sent another letter dated XX/XX/XXXX also through certified mail with return receipt. Once again with no response. When I dispute through the credit agencies that the debt is valid.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-04
Company: EQUIFAX, INC.
State: OH
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 XXXX I sent the letter regarding inaccurate and unknown things on my credit report. To this day over 45 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignore of my dispute. Section 611 ( a ). It is plainly stated that A failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 45 days so they should be deleted promptly. I demand these accounts 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 2017-08-07
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: Public record information inaccurate

Complaint:
I contacted Experian, XXXX and XXXX asking them to remove my public records, tax liens and bankruptcy off of my credit. It is still on there and I am wanting it removed. Under the new law effective XXXX XXXX 2017 any public record data must include name and address as well as SSN and DOB in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new law true Bankruptcy and tax lien listed does not include this information and should be deleted from 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 explanation
Consumer complaint received 2018-10-08
Company: ENCORE CAPITAL GROUP INC.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Paid out through XXXX XXXX XXXX , XXXX who sold the debt not owed anymore to XXXX XXXX earlier this year. I wrote to XXXX XXXX that they bought debt that was already paid and I provided the list of dates and payments made to XXXX ( XXXX bank ) and they continue to call my phone daily XXXX among other numbers they use.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-27
Company: Slovin & Associates Co., LPA
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have submitted a complaint about this company in the past ( XX/XX/2018 ), and ask them to stop contacting me. 

Also, I requested documentation not only by direct email,. but also through the county court requesting discovery ; they have failed to provide documentation to me in both cases. 

Now, they are trying to request money from me, again, stating that if I do not respond then I waive my right to a legal court hearing. 

This company is using illegal scare tactics and practices to get money they are not owed. This has cause my great mental and physical discomfort, and embarrassment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-08
Company: Bread Financial Holdings, Inc.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Over the course of the last 3 days XXXX XXXX XXXX contacted me regarding my Sisters debt. They have called me on 4 different occasions. The first time they called I asked if they had my sister 's telephone number and address, they confirmed that they did. I confirm the address and telephone number with the debt collector at that time. The second time they called they told me that they were unable to reach my sister and asked me if I could contact her and tell her to pay the bill. I told them I will relay a message to my sister, which I did. The third time they called, I picked up the call and ask them to stop harassing me and hung up. The 4th time they called I let it go to voicemail. They left a detailed message regarding information about my sister 's debt. The person that called the fourth time identified herself as XXXX XXXX at XXXX Ext. XXXX. I immediately called back after listening to the message and told them to remove my telephone number from their records and also told them about XXXX XXXX 's elaboration of my sister 's debt on my voicemail. My personal name and number is clearly stated within the voicemail greeting. My sister 's name is XXXX XXXX. My name is XXXX XXXX. My sister lives in XXXX, California and I live in the XXXX Massachusetts area. 

Thank you, XXXX XXXX XXXX, XXXX. 
( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-08
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2018, after viewing my credit reports, I contacted all 3 credit bureaus to inform them there was fraudulent activity on my credit report ( addresses and inquiries ). I mailed and faxed copies of my ID, social security card, FTC Affidavit and a letter asking them to remove the fraudulent information. I clearly stated that I was a victim of identity theft. 

On XX/XX/2018, XXXX XXXX XXXX XXXX reported a collection account to my credit matching one of the addresses previously reported on the FTC Affidavit. 

I contacted each bureau to inform them of the fraudulent account and sent an updated copy of the FTC Affidavit including the account with XXXX XXXX XXXX XXXX. 

As of XX/XX/2018, XXXX XXXX XXXX XXXX reports as a valid collection. It does not show it being in dispute nor was it blocked pursuant to 15 U.S. Code 1681c-2. 

So far, the credit bureaus have violated the following : 1. 15 U.S. Code 1681c1 ( A ) and ( B ) and, 2. 15 U.S. Code 1681c-2

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
On XX/XX/2020, I submitted our mortgage payment on CHFA ( Colorado Housing Finance Authority/ XXXX XXXX XXXX the payment processor 's website. I was assured we would not be considered 30 days late as long as we submitted it by XX/XX/XXXX, and that the payment was received and applied on XX/XX/2020. In the following 5 days I called CHFA/XXXX to see why the money had not left our acct, and was told it was not a problem, it sometimes took up to 10 days to process, but not to worry, the payment was counted from the date of submission. Finally on XX/XX/XXXX, I got a notification from XXXX XXXX that my score had dropped almost 90 pts. Upon checking I found out that CHFA/ XXXX had reported a thirty day late payment days earlier. When I called and asked them why they had done that and not told me, they said it was done because they could not get a response to get the money from our bank. When we proved we had the money, upon checking through their customer service I was asked what the routing and acct number was. The agent said their web services had given one incorrect routing number. Upon checking with XXXX XXXX, they told us it was never presented for payment, and they had not received any call to find out how to resolve or receive the payment from them. We were told at various times over the next 5 months by CHFA XXXX customer service agents that this late payment should be considered a Bank / mortgage, clerical error, and should be removed from the credit bureaus. We submitted our proof of payments to them, the receipts of payment and application of payment, and made up the payment immediately as well as the next payment due in XXXX. But though we followed all their complaint and removal procedures, they refused to remove the 30 day late, and insisted on doing this when they have no proof that we commited any error and we in turn have proof of the payments all being on time in our mortgage statement and correspondence from them, including statements saying they had received and applied the payment successfully. 
They are feeling thousands of dollars over the course if the mortgage by trapping us in their high interest mortgage and keeping us from refinancing. We have found out other clients of theirs have also been denied credit when they discovered the same type of 30 day late payment processing errors on their credit reports. They are not following the FCRA reporting 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 2020-05-29
Company: EQUIFAX, INC.
State: AR
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 was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for XXXX XXXX  XXXX asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. XXXX XXXX  XXXX XXXX {$780.00} XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX {$75.00} XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX {$360.00} XXXX  XXXX {$270.00} XXXX   XXXX {$250.00} XXXX XXXX XXXX {$100.00} XXXX  XXXX {$43.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00} CHAPTER XXXX BANKRUPTCY XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: EQUIFAX, INC.
State: GA
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:
To whom it may concern, the below credit inquires on my credit report were not authorized by myself. I have communicated with the companies personally and have all stated that there is no record of an inquiry in their system. I am asking that Equifax honor my word that the below are fraudulent inquires and remove them as requested through their dispute services on several occasions and the credit agency have not responded correctly. 
Inquires that are fraudulent : XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX Credit : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
EXPERIAN XXXX  XXXX ARE REPORTING INACCURATE INFOMATION SUCH AS STUDENT LOANS CARS AND LOANS. I FILE A POLICE REPORT ALSO ATTORNEY GENERAL OF TEXAS. THE CREDIT BUAREU STILL SENDING FALSE INFORMATION.

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 2018-07-02
Company: Freedom Mortgage Company
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our house closed/recorded escrow on XX/XX/2018 On XX/XX/2018 I called to check status on our Escrow refund from Freedom Mortgage. 
I was told the check was cut on XX/XX/XXXX. Freedom Mortgage said they will void check and send a new check. I was to receive it in 10 days. On XX/XX/XXXX I called again because I had not received the escrow refund check in the amount of {$1100.00}. I was told by XXXX ID # XXXX that the request on XX/XX/XXXX was not done correctly so the ticket was closed. XXXX said he would expedite a check and would email me a copy of the original check dated XX/XX/XXXX. 
On XXXX I was told by Supervisor ID # XXXX - XXXX that another check was cut on XX/XX/XXXX and that I should receive it by XX/XX/XXXX. I asked for his manager and was transferred to Manager ID # XXXX. She stated that all prior tickets were done incorrectly so there was never another check sent to me. She also stated that Freedom Mortgage does not provide copies of checks to customers, that I was incorrectly told that I would receive a copy. She said that I would receive the check by XXXX and that after I receive the check to call back to get check and batch numbers of previous check ( s ). I asked for a tracking number for the latest check being sent and Freedom Mortgage said they can't/do n't provide tracking numbers.

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