BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-06
Company: Stenger & Stenger, P.C
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have tried to contact a company attempting to collect a debt which is not being verified/investigated as per my request with FDCPA compliance. The collection/debt buyer is XXXX XXXX XXXX. I have submitted requests to the Credit Reporting Agencies and the creditor has yet to comply and repeatedly sends my invoices from their company as proof of validation. Yet this is not what I asked for and that proves nothing other than they have my name on a file. 

I received notification from pressure tactics ranging from letters from other debt collectors working for XXXX under the name Stenger & Stenger P.C. also identified as debt collectors, also telling me I can challenge the validity of the debt. When I do, the company does not comply. 

I am asking the CFPB to help mediate the matter and force the original investigation with the above noted company so that actual compliance can be wrought.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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  has been reporting inaccurate information on several accounts and refuse to send me the original paper work or contract with my wet ink signature. They have reported XXXX XXXX XXXX act # XXXX inaccurate information on my credit report, they are reporting that the account Date Opened : was on XX/XX/XXXX, which is inaccurate, High Credit : {$12000.00} also inaccurate Date of Last Payment : XX/XX/XXXX which is incorrect. 

XXXX  is inaccurately Reporting XXXX XXXX act # XXXX date opened XX/XX/XXXX, which is inaccurate, high credit {$0.00}, date last active XX/XX/XXXX, which is inaccurate. 

XXXX  is inaccurately reporting XXXX XXXX act # XXXX date open:XXXX, High Credit : {$0.00} Experian is inaccurately reporting XXXX XXXX XXXX account # XXXX inaccurate date open, high balance, amount owed

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 2021-02-12
Company: OPORTUN FINANCIAL CORPORATION
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:
I was a identity theft victim and I notice that I had an account on my name from oportun and I made the FTC report because I have 4 charge off and multiple late payments on XXXX  and that account is affecting so hard my credit score for something that I never applied for and I need that account out of my report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05
Company: Phoenix Financial Services LLC
State: MI
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:
On XX/XX/2020, Phoenix Financial reported to the credit bureaus a derogatory mark on my consumers credit report. The original creditor Is XXXX XXXX I, which I dont see how because as a consumer Im the original creditor. I did not give Phoenix Financial my written consent to report anything to my consumers report. No consent is identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05
Company: EQUIFAX, INC.
State: MS
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:
The information reflecting on the XXXX XXXX trade-line is inaccurate with Equifax. This trade-line has not been updated since XX/XX/2018, and it is now XX/XX/2018. There has been no change in data. There is a disconnect between Equifax and XXXX, causing incorrect data to reflect on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05
Company: AFNI INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
on XX/XX/28 I mailed a letter to AFNI regarding a bill I received from them in the amount of {$150.00}. Its been over 30 days and no response. I've never had any knowledge of this debt and it is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05
Company: EQUIFAX, INC.
State: NY
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:
I have been requesting, since XX/XX/2021, verification of these alleged debts that Equifax and XXXX  keep reporting on my credit files. However, they have failed to investigate & obtain, as mandated by law, proof of such debts. Yet, they continued to report & sell erroneous information about me. Therefore, it is quite obvious that they have deliberately violated my rights in more than one way which is punishable by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05
Company: Convergent Resources, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX has a outstanding bill for a agreement no contract account I was given credits for mistakes Munipulated for 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 explanation
Consumer complaint received 2021-09-05
Company: Shellpoint Partners, LLC
State: MA
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:
I was never late on this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I was buying a product from someone on XXXX and they seemed totally normal. We agreed that I wouldn't pay them any money until they sent me a picture of the receipt, which they did. Once I saw the receipt, I sent the money through XXXX XXXX in my Banking app ). I transferred once for shipping and once for the product itself. 
{$120.00} to XXXX on XX/XX/2022 through XXXX for shipping {$300.00} to XXXX on XX/XX/2022 through XXXX as well The seller has changed their XXXX name and picture multiple times since the transaction Once they sent me a receipt and I payed them, my conscience kicked in and I researched the shipping company " XXXX XXXX XXXX XXXX and things seemed off, but very in depth. 

I confronted the seller, and they changed their name and photo after arguing in broken XXXX. 

XXXX hasn't helped at all, my bank hasn't done anything either, XXXX can't do anything. I've filed reports with my bank multiple times, and I even filed a report with the FBI, and I haven't even heard back from them. 

I can provide photos and more information upon request, but they all have personal information so I can not attach them on this page. 

Please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
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:
Ive checked r my credit report and I saw some collections that were on there. It says that I owe you guys a lot of money but, I dont know what its for. Can you please let me know where this is from and how do I owe this to you? My credit score is really being affected and its getting in the way of my financial ventures because of this. I want to dispute these accounts until I get to the bottom of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13
Company: SYNCHRONY FINANCIAL
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX XXXX XXXX has continued to threaten to sue me if I dont pay a debt which is against the law. I have disputed the debt many times as it is more then the original debt I owed to the company where the debt originated. 
The amount they say they owe is XXXX I received this letter on XXXX/XXXX/21. They have spammed me with phone calls despite the fact that I have told them to stop calling me. They call me on my work phone and have even contacted family members of mine.

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 2019-05-22
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Ive had the Synchrony Bank/XXXX credit card for several years before they closed my account. Four years ago I lost my full-time job so I was struggling with keeping up with payments. Up to this point I didnt have any problem paying the bills on time. 

Ive contacted the company several times during my financial hardship and kept on stressing that I do not want the account closed, but that I would pay off whatever was on it ; there wasnt a lot. I told them I would keep sending money in, and not use the card, until it was paid in full. Consumers are always told to stay in touch with the creditor, and I did. They kept on assuring me that I was doing the right thing by staying in contact with them, sending in payments even if it didnt cover the monthly amount, and that my card would not be cancelled. 

A few months after I had gotten my balance down to XXXX, and paid off everything ( even the late fees, etc. ), they send me a letter that they cancelled my card. My credit score was climbing back up, and I get hit with this! They gave me the form letter about my credit report saying that I have too many derogatories and too many accounts past due. Now my credit score has gone down because of the nonsense these companies are allowed to create. 

They lied, their business practices do not keep the consumer in mind, and something should be done to them!

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 2019-08-27
Company: I.Q. DATA INTERNATIONAL, INC.
State: MI
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:
I have an outstanding Collection account from IQ Data International ( XXXX XXXX XXXX ) that has been payed in full since XX/XX/2018. I have repeatedly contacted IQ Data to have the account shown as payed in full. They have agreed to do this numerous times and have yet to do so. 

I have both a letter from IQ Data, dated XX/XX/2018, showing that the account is payed in full and acknowledging that the account has been settled, as well as the cancelled check, dated XX/XX/2018, showing payment in full as received. However, they continue to report this on my XXXX report. 

Additionally, I have disputed the charge through XXXX and they have refused to remove it as well. 

I have the necessary documents to prove payment and IQ Data 's acknowledgment of the payment in full.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
My address still shows old Tennessee information. The address says my current address with a PO Box and home address in XXXX Tennessee. The previous address shows my current information where I live now is shown as previous address. They have this information backwards!

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 2018-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
CRA VIOLATION / NO KNOWLEDGE OF THE FRAUDULENT ACCOUNT DUE TO ID THEFT APPEARED ON MY TRANSUNION 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 2021-02-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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 checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Capital One Bank USA, XXXX, and XXXX XXXX The Account Opened is Capital One Bank USA Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$500.00}. The Account Opened is XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00}. The Account Opened is XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$120.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-31
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
XX/XX/XXXX I received payoff statement. Document was signed and returned. The final payment was made by wire transfer. I was told once received it would take 48 hours to process. 
XX/XX/XXXX I called to verify document and payment were received. After being transferred form XXXX to XXXX and back to XXXX I was told the documents and payment have been received. I asked for confirmation in writing all docs/payment were received and the account will be closed. At this point i was told they could not supply this notice and it will take 30 days for a notice to be available.

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 2017-12-06
Company: JPMORGAN CHASE & CO.
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
This Chase Freedom credit card is a blood sucking credit card, Chase bank is filled with Liers and Scammers, I was overseas in the month of XXXX and without informing me chase closed my credit card, I only had that credit card in my posession in XXXX and had such a hard time, there was no letter, no warning, they are like a traitor. My XXXX XXXX XXXX got delayed because I gave my Chase freedom credit card information to the XXXX but as my card was closed they could n't charge and sent me my application back. 

Moreover, I reported some of the fraudulent charges from the Year XXXX, and I got a credit of {$3700.00} on XXXX/XXXX/XXXX, on XXXX/XXXX/XXXX I asked the Credit card company to cut the check and sent to me, they do n't want to write the check and kept on lying to me till today XXXX/XXXX/XXXX, and now they are subsequently placing the charge back on my credit card, Now I only have a credit balance of {$1100.00}, {$2600.00} has gone in the pocket of Chase. They are making a fool of me everyday, saying that they cut me a check today, they cut me a check tomorrow, as If I am a fool and will do nothing about it. 

Whenever we dispute a charge, Chase takes back the money from the merchant but do not give it to the customer, thats how chase makes money, thats their money making mantra, I am calling them from last two months, sometimes they say one things, other times they say another thing. Chase freedom is not Freedom, it is incarceration. 

I have attached the screenshot, you can see last month the credit balance was $ XXXX and this month it is $ XXXX What is this nonsense, I recieved no letter, nothing from chase freedom.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
on XX/XX/2021 Paypal issued a decision whereby they refunded a previous tenant whom was renting my property a refund in the amount of {$1800.00} for the month of XXXX rent. The buyer paid me ( at his request ) the monthly rent payment via paypal. He lived in the property the entire time up til XXXX the day of his last rent payment and fulfilled the occupancy terms of the lease. Payment for lease = Time lived in property. He used his last payment date as the transaction he opened a dispute against me stating he had not received his security deposit back yet. First he left the property with significant damages while also I followed the Georgia OCGA code ; which states that if the tenant does not provide a forwarding mail address that I then must mail him a copy of the moveout inspection report with final accounting provided. ( It was stated in writing that he must provide forwarding mail address for final security dep if any due to be sent to, and 2. it was stated that he should participate in a move out inspection of the property 3-5 days at max after vacating. He did NOT do either. I provided the lease contract which stated these details to paypal and he paid his security deposit via a personal check drawn off renesant bank with memo note indicating security deposit. I also provided a copy of cleared check to paypal. They stated I needed to provide tracking number for shipment. I asked how or what I could get this information from as it was impossible to obtain considering the circumstances. I did provide a copy of text messages from the tenant showing where they texted me the date they vacated telling me it was empty and they were moved out. None of this helped and after 3 calls to paypal desperate for help they still gave him a refund of {$1800.00} now i owe paypal {$1800.00} and I need help to resolve this matter. one that paypal never should have been involved in to any regard, as well the tenant fraudently disputed his rent payment which he received occupancy of the property for the entire time. His security deposit was paid via a personal check not paypal and he stated in his dispute he was seeking his security deposit back. Which again the amount of damages he left when vacating was substantial and I am taking him to small claims court to resolve that matter

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-06
Company: AMERICAN EXPRESS COMPANY
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:
We had a repayment agreement that was fulfilled and the account was paid in full, yet on my credit report it is listed as charge off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-08
Company: CAVALRY INVESTMENTS, LLC
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
On XX/XX/XXXX and again on XX/XX/XXXX I answered my door to be served b XXXX separate debt collection agencies. I can not express the alarm this put me in. I am a high-risk individual with XXXX  XXXX XXXX and have a form of XXXX  XXXX by which i take XXXX XXXX. During this time the servers did not practice social distance, were not masked or wearing gloves and put me at enormous risk amid the Corona Virus pandemic, As it stands at this moment I could not tell you if they were carriers or not, I just have to wait and hope they were not. Taking advantage of a global pandemic is shocking and distasteful. I suffered a XXXX in XX/XX/XXXX and I can not even recall these debts nor research their validity. The risk these people took with my life is highly unacceptable and should not be practiced without proper protective gear or when the ability to do so is allowed. I have been sent home since XX/XX/XXXX, due to my high risk of the outcome if I contract the coronavirus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05
Company: SUNRISE CREDIT SERVICES, INC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I apparently owe XXXX dollars to a company called Sunrise Credit Services which I have never even heard of. I filed a dispute with all 3 credit bureaus and XXXX  is the only one that refused to remove it form my credit score. I called the company but they refused to tell me the reason why I owed them money and hung up on me. The report says its for cable but I don't even have cable in my home. I would like this charge dropped from my XXXX  report. Thank you.

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 2018-06-10
Company: EQUIFAX, INC.
State: CA
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:
Equifax was notified by XXXX XXXX in XX/XX/XXXX to remove an hard credit inquiry made as the result of id theft / fraud. As of XX/XX/XXXX Equifax still has not removed the incorrect information which has adversely affected my credit score.

Company response to consumer: Closed with explanation