BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-11
Company: Harris & Harris, Ltd.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Repeated calls for years from XXXX  XXXX XXXX, also known as XXXX XXXX XXXX, XXXX, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Portfolio Recovery Services is the worst debt collection company in America. They use spoofed phone numbers and call at all times of day. They call my employer, distant family members, and even somehow got the number for my XXXX XXXX XXXX daughter 's cell phone and called that number. The lie and say they have legal documents, because I do not have any collectible debt that I owe them. They are trying to intimidate me into paying them by smearing my name with my family and employer. I owe them nothing. I have repeatedly asked them to stop calling and sent a letter demanding that they cease calling, but it doesn't end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-14
Company: Experian Information Solutions 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:
To whom it may Concern I went on to check my credit and what I saw I was not Happy at all, how can someone do this to me and how where they able to get my Information to Open fraudulent Accounts. 
this Fraud Needs to stop in Florida. I did not Give any Consent to no one to open any of these Accounts I want this matter Resolve. this is not right 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 2020-12-03
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Experian alerted me of two credit inquiries on XXXX and one today on XXXX. One was for XXXX  XXXX XXXX for a credit card application with XXXX  XXXX. They have put a stop to it and will reverse it on my credit. However, the second one was XXXX XXXX  and i got one inquiry yesterday and one this am. I can not talk with anyone there but they provided me an email. I sent an email, but am awaiting a response. 
I am also concerned because earlier this year, someone attempted to collect unemployment under my name and ss #. I am concerned about id theft and how it will affect me in the future and want to do whatever i can to prevent this. They had my ss #, birthdate and phone number.

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 2020-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To whom it may Concern I went on to check my credit and what I saw I was not Happy at all, how can someone do this to me and how where they able to get my Information to Open fraudulent Accounts. 
this Fraud Needs to stop in Florida. I did not Give any Consent to no one to open any of these Accounts I want this matter Resolve. this is not right 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 2018-07-11
Company: ENCORE CAPITAL GROUP INC.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX XXXX XXXX filed civil suit for XXXX. My account shows a computer was shipped to me back in XX/XX/XXXX. The computer that is on my account and supposedly sold to me I never received and it doesnt even XXXX up with the order number on the account, the date doesnt match and even the address doesnt even match at the time they ship pied it to where I lived. XXXX has no filed a summary judgement Against me and everything I have to show them that this is all wrong they wont even look at it. And, I really thin this is unfair and not being handled correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29
Company: Critical Resolution Mediation LLC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have set up a payment plan with the correct Debt Collector. This person is not with them and they keep calling and threatening me with legal action if I don't give a down payment. They have quoted me several different balances and call from different number. she was abusive and refused to give me any account information and answer any questions. She lied about what I said in the phone call and continued to hang up. I recorded the phone call.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: Experian Information Solutions Inc.
State: VA
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:
Its been 4 weeks and Experian hasnt updated my credit report with the accurate information about my available credit. It should be {$19000.00} and not XXXX ( Please see attached document ). 

Also, Theyre not even showing my XXXX XXXX XXXX XXXX either ( that I had for almost six years ). While XXXX  and XXXX  all have been reporting correctly and updating 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 explanation
Consumer complaint received 2020-12-03
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/2020 I applied for a credit card from Synchrony Bank in response to an in store promotion at XXXX XXXX XXXX promising a 20 % discount if I applied for and used the Synchrony card. I applied in connection with a {$4500.00} purchase, but was granted only a {$1500.00} credit line, preventing me from receiving the 20 % credit on {$3000.00} ( {$600.00} ) and also forcing me to use other funds to cover the {$3000.00} credit shortfall. 

I immediately requested Synchrony reconsider its initial decision, but was declined because the Synchrony account had no history. OF COURSE IT DIDNT, IT HAD JUST BEEN OPENED. My request to reconsider was treated as request for a new increase, which ignored the fact the INITIAL decision was wrong. 

I subsequently filed a complaint with the XXXX XXXX XXXX, but Synchrony maintained that its denial of a request for an increase was proper, ignoring that I was asking for a reconsideration of the initial request. 

I believe the treatment as a request for an increase was improper. 

I further believe the initial denial was discriminatory against seniors ( I am over XXXX ), failed to adequately consider the receipt of federal benefits ( social security ). Further, I believe their underwriting practices are biased or flawed by failing to properly consider credit history as this decision resulted in a low credit line despite a 40 year sterling credit history, FICO  over 800, low credit usage ( less than 3 % of available credit ), history of paying balances in full each month, small mortgage and car loan balances, and six figure income. While the car loan and mortgage were recent ( we just retired ) our on time handling of these items, the low payment amounts relative to annual income, and our 40 year history of ontime and satisfactory payment of multiple mortgages and car loans should have addressed any concerns. Moreover the recent nature of those two items was already reflected in my FICO score, which as I noted remains over 800 ( excellent ) I asked for a larger limit as part of the original application and was denied. I asked for reconsideration and was denied. I was forced to use other funding to complete the purchase. I lost XXXX  in store credit due to the lenders illegal, biased, irrational decision that the lender claims was proper and in accordance with its policies. 

I believe their policies and treatment of my application are violative of the ECOA, FCRA, and XXXX, and should be investigated. Further I request the payment of my lost ph {$600.00} store credit. 

I fear that other retired seniors who receive social security are being harmed by this creditors practices, that the policies must be changed, and that the lender should sanctioned for its violations and enjoined from continuing these practices.

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 2021-11-02
Company: Genesis FS Card Services, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I was a victim of identity theft, someone used my information to make a purchase on a XXXX XXXX  account that I dont own

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: Global Lending Services LLC
State: AR
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 do not know these inquiries that appears on my report. I need to get something done and these inquiries that I do not hinders me for doing so. I researched about on how to deal with them and the best result is seeking help through you guys. All I need to get this them removed. I know this is a violation of credit reporting under FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: KEYCORP
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
I dont owe keybank no money ive been calling them and they sent me to consumer reports i cant even open a checking account. I had gave access to sumbody thats why my account got closed but i never owed a {$1.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-22
Company: Experian Information Solutions Inc.
State: MA
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:
On my experian credit report /open new credit card/loan, account type new, balance XXXX XXXX open date XX/XX/2019 XXXX XXXX XXXX XXXX I dont recognize this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-06
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I was checking my credit report and I saw that my credit score is low. I don't understand why you put this information on my account. I believe that someone used my personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: TRANSWORLD SYSTEMS INC
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Account # XXXX Transworld Systems Inc is on my credit report about an alleged debt that I owed. Due to Transworld Systems Inc, has not responded to non of my letter 's that I've have written to them about this debt. I've have not gotten any type of verification that this debt is mines. I've gave them long enough to respond and correct this alleged debt. I've will provide all letter 's that have been sent to Transworld Systems Inc.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: AMERICAN EXPRESS COMPANY
State: GA
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:
On two ( 2 ) separate occasions I disputed a charge for a hotel that was booked through XXXX in the amount of {$110.00} with American Express. Despite providing documentation that clearly illustrates that the hotel room was not available, American Express failed to complete a thorough investigation and issue me the full credit which I believe is a direct result of a language barrier when speaking with American Express representatives.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-17
Company: EQUIFAX, INC.
State: WI
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:
XXXX  and Equifax still have not deleted my public report that is fraud and not mine. As you can see, XXXX  deleted this as I provided them information that this is NOT mine. 
XXXX  and Equifax continue to say its " verified '' so I sent a MOV letter but they have provided no documentation besides that it was verified. 

XXXX and Equifax need to delete this as this is NOT mine and XXXX  does not have this on my credit report as its not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
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 received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 

DPT ED/XXXX XXXX {$1700.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX {$1700.00} XXXX  XXXX {$23000.00} DPT ED/XXXX XXXX {$45000.00} XXXX  XXXX {$520.00} XXXX XXXX {$1300.00} XXXX XXXX XXXX {$130.00} XXXX  XXXX {$180.00} XXXX  XXXX {$3200.00} XXXX XXXX {$980.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been dispute the account with XXXX several times with equifax and they refuse to remove the account eventhough XXXX sent letter that they would cease collection and account has been removed From XXXX AND XXXX please aid in having them remove this account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Carrington Mortgage Services LLC is the loan service provider. XXXX XXXX holds the actual loan. Carrington can't tell me anything regarding my loan. I was told there's specific steps regarding foreclosure when an FHA loan is involved. But, yet, the customer service rep couldn't explain the process/steps. She said we can't go directly to liquidation, i.e. short sale or sheriff 's auction. Auction date is set. She couldn't tell me who set it. She refused to transfer me to underwriting. She then blamed me for not getting paperwork in. I informed her, that no one from the company until 1 month ago, had ever informed me that the " mortgage assistance '' paperwork was still required, even if I wasn't seeking mortgage assistance. She said it was my fault for not following directions.I asked to speak to a supervisor. I was denied. I asked to be transferred to underwriting. I was denied. I couldn't get any information from this person, other than to have them blame me. I was told that I didn't approve my realtor as a 3rd party authorization. However, when I log into my online account, it clearly shows that I authorized my realtor, along with my attorney. This company is horrible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I called Equifax and I was informed to send my id social and bill. I sent them everything. They have inquiries that do not belong to me. I provided them police report and I was told it would take 72 hours for the items to be removed. They are still there after months of me speaking with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11
Company: AES/PHEAA
State: OK
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have been sued and summons to court by XXXX XXXX XXXX XXXX. They tell me that they need money from me but cant explain how they got my loan. I took a loan out with XXXX bank for XXXX XXXX in XXXX. These people does not and has not showed how they got my loan. I went to court judge ask have you ever went to college I said yes he said well the debts valid. Ok if its valid can we prove how these people have rights to collect? And why hasnt chase sent me something? And why did it take nearly 8 yrs before these people came about? The judge did not want to hear any of my questions nor did he want these people to explain to me. I am up to XXXX XXXX plus at of 2 yrs ago it was XXXX XXXX how on earth did this happen? And how is it logical? And okay to do people this way? .the documents they showed the judges was my name on a list of I'm assuming it's my name with hundreds of others name. And they said this is how we own your loan and all these others. XXXX XXXX XXXX XXXX XXXX is definitely trying to cause me to go homeless and my children ripped from my arms because I do not have the necessary funds to take care of my children when having to be asked to pay XXXX month. Who are these people and why is this happening to me? I went to court in XXXX for this loan and here I am facing garnishments bank levies after things have been taken I'm notified. I've had tax intercept. I am so confused and need help to beat this case once and for all. I know these people are scams I know they are trying to XXXX the life out of me. I am trying to be a successful member of society. And if ever two yrs I'm tracked on nearly 10 grand to the balance. This means it will never end. I dont have this type of money. XXXX is suppose to sue or someone should show me where it was sold to this company with rights to ownership. I need help. Bad for this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.

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