BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-09
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Was a victim of Hurricane Harvey and had to move from XXXX XXXX, Tx to XXXX XXXX, Tx. Contacted XXXX XXXX about the bill being owed and I was told that due to the devastation they were waiving the bill. They done this for a lot of people affected by the storm. Here is some years later and I am getting this on my report again. LVNV was on my report at the beginning of the year and then taken off. Now here it is XXXX and it is back on there again. Why is that? I was told by XXXX XXXX is would be waived. I still have XXXX XXXX to this day. Why haven't I been charged for this by them if I still have service with them. This should not be on my report. I contacted XXXX  XXXX and they don't even have a record of it. I need to see the original bill for this because I never received one.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Capital One continues to send me prepaid offers for a previous tenant, one who has  been gone for several years. This is creating a threat vector for this individual who could have his identity compromised by an individual (the new tenant, currently myself) who could use this constant barrage of pre-approved offers to the old address.I've sent pictures of the letters multiple times to privacy@ and abuse@ Capital One and there has been no response or change in their behavior.  In my opinion, they should not be sending pre-approved offers to individuals who do not live at the residence on file, especially if the postal service or the current tenant advises them that they are leaking possible PII and providing an opportunity for third parties to accept pre-approved offers unauthorized on their behalf.Please have them stop sending me offers for the previous tenant.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-07
Company: Experian Information Solutions Inc.
State: IL
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:
Experian  is reporting a XXXX account as delinquent and as collection debt. The item they are reporting has wrong dates, wrong company names and an incorrect balance as many charges have attached to accounts. It also reported as an account that has been sold to a third party agency.

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 2020-11-19
Company: Experian Information Solutions Inc.
State: NJ
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:
In XXXX of 2020 the COVID19 virus became widespread and there were major shutdowns in NJ that caused our household income to drop by more than 60 %. I requested a forbearance on all mortgages for my house in XXXX, NJ. I spoke to a representative at XXXX XXXX XXXX and they told me the forbearance would start in XXXX and would last for six months. It turns out that they only applied it for XXXX months and in XXXX of 2020 I received a report on my credit stating that the account was delinquent and my credit score dropped nearly 100 points. I contacted SLS and they stated there was nothing they could do about it and that the forbearance was only three months. They also claimed to have reached out to me when the period of three months was done by mail and by phone. I received neither a message on my phone or any written letter with this information. Realizing that I would not get any help from SLS i requested to continue the forbearance and that a supervisor contact me. They stated that they would have a supervisor contact me within 48 hours and no one from SLS ever called me back.

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 2019-10-29
Company: GVA Holdings, LLC
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I applied for a loan and got the amount of XXXX dollars on XX/XX/XXXX. I then tried to ask for an extension or a lower amount owed on XX/XX/XXXX. They did not allow that and stated : We apologize for any inconvenience, but we are unable to honor your request at this time. 

Your next scheduled payment will be automatically debited from your account on XX/XX/2019 In the amount of {$150.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-08
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In reference to previous complaint number XXXX. Resurgent Capital Services responded to the complaint and attached XXXX XXXX Statements. The statements show that payment where made to this account. However, they did not send me the signed credit application so I can investigate further. However, I give them an idea, please ask XXXX XXXX XXXX to provide a copy of the check or money order or provide me with the payment format used for this account. The payment format will show the address on the check or money order and if the payments were done online, then they have to have a record of the bank account used to apply payments to this account. This is the only way we can discover who opened this account in my name. On the response Resurgent Capital Service sent, they attached a letter in which they also mention that if this account was fraudulent to file a police report or a notarized identity theft affidavit. I went to my local precint to file a report and the officer refused to issue a report for an account opened 9 Years ago unless I provide a signed credit application. Therefore I am attaching a notarized affidavit. Please note I am out of state and have taken this to notarize in the State of Florida since I will be out of state for another week and do n't want this to stay on hold.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-19
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2020 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: GOLDEN EMPIRE MORTGAGE INCORPORATED
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
XX/XX/XXXX : I contacted XXXX XXXX regarding a refinance, I was upfront about previous late payments. XXXX told me to make all payments on time for 1 year then apply. 
XX/XX/XXXX I made ALL payments on time for 1 year, contacted XXXX XXXX, started the process for a refinance and filled out all paperwork, including credit application. XXXX ran my credit and I sent XXXX my bank statements. 
XX/XX/XXXX XXXX sent me an email asking if I have any reserves besides my current money in the bank. I responded clearly no and asked clearly if that was a problem. XXXX clearly responded in writing " No, you're good! '' XX/XX/XXXX XXXX stated the time to close would be 2-3 weeks. 
XX/XX/XXXX XXXX sent me an email telling me I do not qualify for the loan because I do not have more cash reserves despite clearly telling telling me it is not an issue on XX/XX/XXXX. She offers to try to do a FHA loan ( which she gets to take fees ) and then in 6 months switch again to a no FHA loan ( which she would get fees again ). 
XX/XX/XXXX I told her I feel this is bait and switch, she knew my payment history, and had all of my financial information now she is offering to process 2 loans in 6 months. I felt it was unethical of her. She clearly told me that reserves were not and issue. XXXX responds telling me it was my payment history that is making that requirement. 
XX/XX/XXXX I responded to her telling her she was aware of my payment history and my reserves more than 30 days ago and there was no issue, to then bring it up as an issue and offer me to pay TWICE because she was not honest and up front I felt is unethical. 
XX/XX/XXXX I made a complaint with the BBB and wrote company executives for Golden Empire Mortgage. No response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: DISCOVER BANK
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:
To whom it may concern, I recently was sent a pre approval link from discover I went to it and signed up. On the link it said pre approval will not run a hard pull without me giving consent. This was all done XX/XX/2020. Now on XX/XX/2020 it is showing a hard pull and decreasing my XXXX  score like crazy. I called Discover twice on XX/XX/2020 both customer service reps agreed with what I was saying. They told me best to contact XXXX so they can remove it. I than called XXXX  waited on hold and kept talking to robots and not a live person. I was than recommended to come here so that you guys can help solve and fix this problem since it is in accurate and not authorized by me. I want this off my credit report with anyone discover ran my score through. In there own tape recorded conversations they had stated all I had to do was contact XXXX  and show picture proof if i couldn't get them on the phone. I have picture proof which i will attach of discover saying pre approved, the inquiry being place and the credit drop it created.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19
Company: SYNCHRONY FINANCIAL
State: UT
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:
Synchrony has failed to retrieve the police reports from the XXXX XXXX   police department yet continue to report to the major credit bureaus debts under my name for accounts that closed due to FRAUD. Detective XXXX XXXX has verified there is ZERO request from the bank for the police reports on file. ADDITONALLY, it is major violation to report data to the credit bureaus that is NOT 100% complete and accurate under a consumer name. The Data furnisher which is Synchrony continues  to report to the 3 major credit bureaus accounts that were closed due to FRAUD anyways. They have failed to retrieve the police reports directly from the police department which is there responsibility as the DATA FURNISHER again which they havent. Cases 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 2020-08-01
Company: Experian Information Solutions Inc.
State: VA
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:
This will appear to be a duplicate but CFPB it is Not. I am adding additional documentation in support and verbiage below. CFPB you can mark the complaint XXXX as a duplicate and close that one submitted to Experian on XXXX XX/XX/2020. 

I am submitting this through CFPB so that I can upload my documentation for my new address Effective XXXX XX/XX/2020. I am submitting my utility bill reflecting the current address, also my government ID. I am in the process of selling my vehicle thus will not be in need of a DL. I have provided a government ID nor will be getting one ( of which was permissible in the past by Experian ). All I can do is provide my IL DL - to show you who I am but the address is not correct. Please update this address. I no longer live in the XXXX XXXX XXXX  I have also provided a copy of my current report and profile address data. Also, today, I received another document of which further proves where I live otherwise I would not be in procession of it from Experian. My address is updated with CFPB and on the Experian website. I would prefer to do all of this through the site but it is not working and has not been for some time.

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 2019-02-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This company and I have been going back and forth for years and we can not get it together I was a victim of identity theft.This account was opened up in a state I never lived.And also a address I have never been associated With.I opened a dispute this this company and nothing happened so we came up with a agreement That I would pay XXXX dollars to settle this debt so we can move forward I still told them I did not agree the debt was mines.In return I was told by them that this account would be deleted from my credit file.That was almost 2 months ago and nothing has changed on my XXXX Credit file.I want to get this behind me As soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: EQUIFAX, 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:
The accounts being reported are definitely " unverified ''.

( as per fcra section 609 and 605 ( b ) )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17
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: Account status incorrect

Complaint:
It shows on My Experian report XXXX XXXX XXXX is reporting loans account # XXXX a 90 days late as XX/XX/XXXX. I have dispute the information with Experian and they sent a letter stating the information were correct with no proof. I also reach out to XXXXXXXX XXXX XXXX XXXX XXXX of times, they also stated the information were correct. I spoke with a Rep XX/XX/XXXX. She stated she will open another dispute and will reach back out when dispute is finalized. I have not received an email or notification regarding this matter. My account never been late I always had my account in Deferment or forbearance status. There is no way I could have fell in a 90 day late status

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 2021-10-05
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was checking my credit report and I saw that my score is low. I have no idea why you put this information on my account. I believe someone used my personal information and applied for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: Square Inc
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Square Inc d/b/a Cash App closed my account without formal dispute, or otherwise providing formal information as to the reason of closure other than apparently violating their terms of service agreement. 

The vague reason they state is a P2P ( Peer to Peer Transaction ) from XX/XX/2020 at XXXX XXXX received from $ XXXX in the amount of {$20.00} Identifier : # XXXX The user XXXX XXXX. XXXX $ XXXX ) is claiming a fraudulent chargeback with their originating card issuer or bank, as their money was subsequently refunded back to their originating account for the reason of returning the payment on XX/XX/2020 at XXXX XXXX  to ( $ XXXX ) in the amount of {$20.00} Identifier : # XXXX Square Inc d/b/a Cash App has refused to investigate the matter into my account closure, stating their decision is final and did not allow me time to dispute the chargeback, and electronically withdrew the funds in the amount of {$20.00} from my linked XXXX Checking Account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08
Company: North Shore Agency, LLC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX-17 : Received COLLECTION AGENCY ALERT from North Shore Agency regarding {$110.00} allegedly owed to XXXX in XXXX, PA. I immediately disputed the debt in writing to North Short Agency as well as XXXX. I do not do business with XXXX at all. Debt is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I was denied credit I checked my report and notice accounts that I believed it was not mine. I emailed & sent a certified letter to XXXX XXXX disputing the validity of XXXX accounts and requested statements. XXXX XXXX ignored my dispute and did not even investigated the dispute, then they could not even verify my address that's when I came to the conclusion these accounts were fraudulent.

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 2020-10-26
Company: AmeriCollect
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I had a payment plan which was being upheld with XXXX XXXX who decided to turn this over to Americollect Inc-a collection agency. XXXX is notorious for doing so without notifying the customer or having a reason as they don't like debts to stay on their books. 

I called Americollect on XXXX and told them the story and asked for them to send back to XXXX and they refused..all business to them, but untrue and damaging to my credit. 

I am now paying Americollect as agreed. I was told that the account will go to the credit bureau even if I am paying and I asked how to avoid this unless I missed a payment. I was told they could not work with me on this. On XXXX, I contacted them again and asked for this to not go to the credit bureau and XXXX told me she was going to send a credit bureau form to request removal once this does go on ; at that point they would approve it and take it off. The form was supposed to be her within a week and I have not received it nor do it seem like I will. This agency is not trying to work in good faith at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: KEYCORP
State: WV
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I had 2 fraudulent transfers from my XXXX card for XXXX XXXX. They took place on XX/XX/XXXX and XX/XX/XXXX for {$500.00} each. They were listed as " XXXX transfers.I filed a dispute on XX/XX/XXXX, and learned on XX/XX/XXXX that the person I talked to did not file the dispute.After a 4 1/2 HOUR HOLD a woman answered and said the call had rolled back to customer serviceinstead of the dispute dept. She went ahead and did the dispute for me.It has been about 2 weeks and I still do not have my money back. They told me about 5 to 7 days.My bills are on hold becauseof this. I can not get ANYONE. I have been calling since last Thursday. On hold Thursday from XXXX XXXX till XXXX XXXX! Friday from XXXX till XXXX XXXX. and again from XXXX till XXXX.Today I was on hold for 3 HOURS, 27 MINUTES. A woman answered, then said sorry, WRONG DEPARTMENT and I have now been back on hold for 42 minutes!

Company response to consumer: Closed with explanation