BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-06
Company: Risecredit, LLC
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: Reporting company used your report improperly

Complaint:
I opened a user account at risecredit.com when I contemplated seeking a loan in XX/XX/2016. At the time, I was working at a company called XXXX XXXX XXXX, and included this information in the application I started. I ultimately decided not to pursue the loan, and closed the site. 

In XX/XX/XXXX of this year, a mistake in payroll left me scrambling, so I remembered Rise and ultimately decided to pursue a loan. I had changed employers, so I put in the correct information on my application that I worked for XXXX, had gotten a substantial raise, and looked for a phone number on XXXX to be used to verify my employment. I had also moved to a new address, since I bought a house, and updated that information as well. 

I checked everything over for accuracy and submitted the application. Immediately I was called to verify my identity because of a fraud alert. I did so successfully. Then, I was asked to verify my bank account via an online company, which again, I did so successfully. 

Several days passed, and I started receiving emails for further documentation, such as my driver 's license, XXXX, paystubs, electric bills, bank statements, mortgage statements, and more. I provided this information multiple times, daily receiving emails that they were still missing the information. I decided to give them a call, and the CSR I spoke with informed me that the information on the application did not match the information I was giving them, other than the XXXX ( which had been from the year prior from XXXX  ). I was quite confused, and said that I had updated my address and employer to the new one in their application, and the CSR apologized for the system error and said he would fix it and I'd hear back on an approval in the next 48 hours. 

Instead I received an email informing me that they were unable to verify the information I gave them because of a lack of documentation. So, I called again. The CSR was incredibly rude and said that I falsified information on my application, which is why I was denied. I informed him that I did no such thing, and that I had properly updated to my current information, which included a {$2000.00} a month increase in pay rate, so the idea that I wouldn't have is outrageous, especially given the fact that it doesn't pre-fill information on the application from their database. Oddly enough, my address in my account is listed correctly, so I *know* the application was saved properly with my new information. 

I continued to follow up, continuing being told I could apply again in 6 months. I don't even want the loan at this point, I just want the inquiry removed from my report. It was not used to evaluate my credit worthiness, and their system fraudulently altered my application with past data that I didn't even have access to. 

They've refused to remove the inquiry on their own.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10
Company: Auto Trakk, LLC
State: DC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This complaint is in reference to the Auto-Trakk entry Account Number : XXXX reflected on my XXXX  and XXXX XXXX credit report. I have contacted Auto-Trakk several times requesting viable evidence bearing my signature and how they verified this alleged account without providing me any proof that this account in fact belongs to me i.e. something with my signature. 
As per FTC opinion letter from Atty. XXXX XXXX XXXX you should be aware that a printout of a bill or an itemized document does not constitute verification. I am challenging the accuracy, compliance, and reportability of the listing. I do not consent to XXXX or any means of automated verification. 
Failure to respond satisfactorily within 30 days of receipt of this notification may result in a small claims action. In the absence of any such documentation I formally request that this information be immediately deleted from my credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Hello I have a loan and pay to navient. Just recently I looked over a payment and noticed that when they received the loan from where it was I owed XXXX it was the principle payment owed. I have that on a receipt of payment I received last XX/XX/XXXX. I trusted this company thinking they would help. I now notice that my balance is XXXX. When calling them and asking them about the issue they told me that when I put it in forbourance from XX/XX/XXXX to XX/XX/XXXX that the interested from the old company was added. I don't believe this is right. I can't even look up and see where it came from and why it didn't come right away with the loan. Also told me while it was in forbearance it was collecting interest and they never told me that. I was told since I was trying to get into school it would be the best idea. I pay my payments on time. Ikm trying to get out of this debt and fix my credit. People think it isn't alot of money owed when I ask for help but to me it is and if they are XXXX me over I need help. When looking into it I found that they have been dishonest and have lawsuits out. Please help me I don't no how else to fight it. The person on the phone was giving me wrong information she didn't even no what she was talking about. I received this loan in XX/XX/XXXX so I no it could have collected interest but they can't tell me anything all they kee0 saying is loom online. I am trying to dispute it because I believe they are frauding me. I look forward to hearing from you and hope you can help. 
Thank you XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07
Company: Tribal Lending Enterprise, Inc.
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I took out a {$1000.00} loan with Golden Valley Lending and the total paid to them was {$3000.00} so far. They are trying to say that I owe them in excess of {$800.00}. I want the {$3000.00} I paid back to them to serve as a settlement for a paid in full amount of the loan I took out with 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 2020-11-16
Company: Experian Information Solutions Inc.
State: TX
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:
On XXXX I sent a letter regarding inaccurate and unknown accounts reporting to my credit report, over 60 days I have yet to receive a response on investigation. At this stage in the process my anxiety has grown ; feeling that my disputes have been ignored. Section 611 ( a ) of CFRA plainly states that a failure to investigate these items within 30 days gives reason to immediately remove items from my credit report, it has been over 60 days and the disputed items should be removed promptly. I demand these accounts be deleted immediately or I will be filing for litigation due to the stress/anxiety caused. Also, my personal information was subject to being compromised in the XXXX  data breach and possibly placed in the hands of individuals with ill intentions.

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 2021-01-27
Company: U.S. BANCORP
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I can not get U.S. Bank to remove me from their mailing list ( email offers ) for various accounts I have with them. I contacted them in XX/XX/2020 and subsequently followed their advice to make all of the proper settings on their website. The emails started again in XXXX and after a fairly worthless exchange of emails I followed their advice and called their customer service number. The agent was polite and responsive. After a modestly lengthy " hold '' period she told me she " thought '' the problem had been solved. Yesterday I received yet another email for the credit card ending " 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 monetary relief
Consumer complaint received 2019-11-13
Company: Midwest Recovery Systems
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I never signed any contract or agreement to pay this creditor, nor is this a debt owed. This debt was paid and still placed on my credit profile. Then it was removed and replaced back on by this creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I sent dispute letters for the inaccurate accounts to be removed from my credit report on XX/XX/2019. However they never sent me documents to show me how they verified the accounts per " 15 U.S.C. 1681g '' and it should have been deleted per Section 611 ( a ) ( 5 ) ( A ) ( i ). I also sent a letter with Section 609 ( a ) ( 1 ) ( A ) to show me the physical documents and the have not.

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 2020-05-13
Company: Experian Information Solutions 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:
My brother informed me that I received a letter in the mail from where i used to live stating that I owed a debt of some type. I did a little investigating and I was told that someone has given my name and social security number to open accounts. They have the wrong person, I decided to pull my credit report it showed the exact same thing and some inquiries that had been pulled under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my report. XXXX XXXX XXXX XXXX  XXXX {$430.00}

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 2021-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 is missing that should be on the report

Complaint:
XXXX {$0.00} Closed Unknown payment history XXXX XXXX XXXX {$0.00} Closed Unknown payment history XXXX XXXX XXXX {$0.00} Closed Unknown payment history no payment history fcra can't just report the bad must report the good also all 3 paid in full

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 2018-02-06
Company: SYNCHRONY FINANCIAL
State: ME
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Two years ago I used the Care Credit Card for XXXX work of just over {$2000.00}. I have spent close to XXXX to pay off {$2000.00} bill. The current interest charge for one month is over {$800.00}, when the amount left to pay off was {$750.00}. I am unable to pay off this debt and can not make sense of how this card works and how it would be helpful to anyone. This has been a horrible experience and I thought it needs to be shared with other. Care Credit needs to be stopped. It states that you may have 29 % interest rate, but I am being charged {$800.00} in interest in one month on a bill that was {$750.00}. That is not 29 % interest.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My brother informed me that I received a letter in the mail from where i used to live stating that I owed a debt of some type. I did a little investigating and I was told that someone has given my name and social security number to open accounts. They have the wrong person, I decided to pull my credit report it showed the exact same thing and some inquiries that had been pulled under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my report. XXXX XXXX XXXX XXXX XXXX {$430.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04
Company: DISCOVER BANK
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a account with Discover Card, over the months i notice their unprofessionally business. Now on the of XXXX i had an emergency and i happen to pay the bill on XX/XX/. The bill was due onXX/XX/XXXX. however i called and see that my payment was never late they happened to fix it and it was only one day and i was the one that caught it but because it was an emergency my mind was blanked on the that day it was due. They discover promised to send me a email after the conversation after waving the late fee but never did.. 
i happen to go in my account today XX/XX/ and saw late fee {$40.00} plus the next payment due on XX/XX/ of {$81.00} which should be {$59.00}. In other words the late fee was waved so the amount added should be taken off. I called and was told the fee stays and next month that's XXXX the money come back down, which makes no sense because i am still paying the waved late fee. i need you help to look into this before the bill is due on XX/XX/. i will not pay the {$81.00} it should be only {$59.00} because the fee was taken off. this is a fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: EQUIFAX, INC.
State: CT
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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I purchased a used vehicle at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX and told them ONLY run my credit with XXXX XXXX XXXX. I got the loan through XXXX no problem. BUT THEY RAN MY CREDIT THROUGH 3 MORE BANKS. 

Now I have inquiries for years I did not authorize.

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 2018-07-12
Company: ENCORE CAPITAL GROUP INC.
State: CA
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 sent Midland funding a total of 5 letters demanding they show proof this is my account or it needs to be removed. They have ignored me and continue to hinder my credit. I never received anything mentioning I owed a debt, it just popped up on my credit when I was applying for a new home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
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:
XXXX XXXX XXXX Account XXXX Information on this item has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX XXXX XXXX, XXXX Account XXXX The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' Remains XXXX XXXX XXXX Account XXXX The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX/XXXX  Account XXXX The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated

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 2020-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX Account XXXX Information on this item has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX XXXX XXXX, XXXX Account XXXX The company that reported the information has certified to XXXX  that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' Remains XXXX XXXX XXXX Account XXXX The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX/XXXX  Account XXXX The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated

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 2021-08-11
Company: Aldous & Associates, PLLC
State: NY
Product: Debt collection
Sub-product: Other 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 gym membership with XXXX XXXX located in XXXX, NY I had called XXXX XXXX in or around XX/XX/2020 and explained that I needed to cancel my gym membership, since the lockdown from the pandemic is going to last. They told me I had to send a certified letter and I explained we are under a lockdown and I can not go to the post office. XXXX  explained someone would call me. I never heard from them and then a year and a half later a gentlemen from Aldous & Associates located in Utah calls me and says I owe {$140.00} to XXXX and he is a debt collector. I explained I had called XXXX and cancelled and they said I would have had to send a certified letter. I explained NY was locked down and I could not send a certified letter. I went on further and asked when was this debt from and they said they didn't know. I said I need a copy of the debt instrument and they said send a request to their PO Box and I had explained I wanted an address so I can send a certified letter signature required they said no. I also explained my gym membership was up prior to NY allowing people to go back to the gym and they said I was on auto renew. I went on further and explained NY has a law requiring gym 's to allow people to call to cancel their membership and NY does not allow for auto renew unless it was explained to the consumer and nothing was ever explained to me. The rep from Aldous & Assoc. said they do not follow NY law and they follow federal law. I then asked what federal law did I break? They would not answer that. After that phone call my credit monitoring company reached out to me and stated that Aldous & Associates put a negative mark on my XXXX  credit report stating I was in collections. Right on Aldous & Associates website they state they report to credit agency 's then the consumer usually settles the debt quickly. Please note I never received a letter or any written communication as to who these people are and what and when this debt is for. These days this sounded like a scam and not a legitimate business. I asked for a copy and validation of the debt and then they negatively impact my credit? This must be illegal behavior.

Company response to consumer: Closed with explanation