BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-17
Company: Innovis
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:
My student loan ( serviced by XXXX XXXX ) is INACCURATELY reporting as late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. My loan was in FORBEARANCE during that entire time period so it should be marked on time. I have tried to resolve this issue with Innovis by filing a direct dispute with them. They stated in their response to my dispute that the payment history was 'verified '' .. I am unsure how this is possible since I also provided them with my payment history showing the account was in FORBEARANCE during that time frame. I have also attached an account status letter from XXXX stating my account has never been delinquent and my forbearance from XXXX XXXX proving my account was in forbearance during the period its marked late on my credit report. I believe Innovis is not actually doing an investigation and just running it through their XXXX system. It is my understanding that a credit reporting agency not correcting an inaccuracy after being provided PROOF of the inaccuracy is illegal and a violation under the FCRA. It is also my understanding that Congress decided the burden of proof falls back to the CRA and they must provide documentation to the consumer for what they are reporting. I received no such documentation. Provide me with a new credit report showing my payment chart for XXXX XXXX marked on time, with XXXX late payments. This should happen quickly since I have provided you proof of what I am saying. Or provide me with documentation as to how you are verifying this information, as REQUIRED my law, so I can do my own investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21
Company: Navient Solutions, LLC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
We have been receiving repeated robocalls from XXXX XXXX XXXX, starting at XXXX XXXX daily. Sometimes we get calls two or three times in a day. I did an online search of the company and found that it is a debt collection agency that uses illegal tactics. Further, WE DO NOT HAVE ANY OUTSTANDING DEBTS, UNPAID TICKETS OR OWE ANY OTHER MONEY, so this horrible company is calling our number in error. Other victims have tried calling the company, only to be placed on permahold or face verbal abuse. This company needs to be stopped. We have had this phone number for years, so if the calls are targeting someone who used to have the number, then XXXX XXXX XXXX records are way out of date.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
My mother and I have both permanently opted-out of credit card offers. I have submitted the paperwork twice 5 years ago and again last year. We still get relentless offers by mail from Capital One. They will not stop

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I put a credit freeze in place a year or so ago with Equifax. At the time I was issued a PIN that I was told would enable me to unfreeze the credit information. Today, XX/XX/2019, I went online to unfreeze my credit report and found that I can not unfreeze it without creating an account, which requires the submission of various forms of identification ( e.g. drivers license, pay stub, social security card, etc. ) I find it unacceptable to have to provide this information in order to unfreeze my credit when it was previously frozen based on being told I could unfreeze using the PIN I was issued. Furthermore, I was never notified that Equifax was changing their rules about unfreezing ( requiring the creation of " an account '' and providing various forms of " identification '' ). It is my expectation that Equifax unfreeze my credit based on the PIN they issued to me when it was frozen. 
When I tried to seek assistance in unfreezing the report, I was connected with an agent, named XXXX, in the Security-Fraud department of Equifax. XXXX was unable to unfreeze my credit ( he never asked for my PIN ) and refused to provide me with the name or number of someone who would be able to do so, or even someone to whom my issue could be escalated. 
I find it unacceptable that I am unable to unfreeze my credit using the information I was provided at the time it was frozen.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11
Company: ENCORE CAPITAL GROUP INC.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am being contacted by a debt collection agency Midland Credit Mangement, XXXX XXXX, CA XXXX to collect a credit card they claim that I owe to a XXXX  XXXX  for purchases from XXXX XXXX in XXXX AZ on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Midland Credit is the only organization that has ever contacted me about these purchases in Midland Credit 's claim. No retailer has contacted me at my address regarding the retail items purchased in their claim. 

I informed Midland Credit that I am permanent resident of NV from XXXX and have never applied for, received or used a retail Credit Card issued through XXXX XXXX ( XXXX, XXXX XXXX, XXXX XXXX or XXXX XXXX in the past 10 years. 

I am not able to make sense of the credit card purchases in their claim because I am not an owner of a XXXX XXXX  credit card. Midland Credit has not provided me information on the way in which this Credit Card is being attributed. They have not provided information on how the indentity of the card owner is established ( by way of an individual 's signature, date of issue, and the address where the credit card was delivered to an individual ). I also requested proof of delivery of the products purchased to my Nevada address and they have not responded to me with any of these facts to validate credit card purchases in their claim. 

At this point Midland Credit is simply insisting that I own a credit card I am not aware of, and that I purchased retail products brought in a state I am not a resident of at the time their claimed purchases. If the purchase was made online, they have not given verifiable information on the address and time where the retail products in their claim was received by an individual.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11
Company: CONTRACT CALLERS INC
State: OH
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 complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I financed two pieces of furniture from XXXX XXXX XXXX XXXX, and the credit card is issued through Synchrony Bank. As such, I made a payment to Synchrony bank in the amount of {$200.00} on XX/XX/2018, via phone with a representative. Per the representative, the transaction was successful, and this also reflected in my checking account. As a result, I considered the bill paid. 
Approximately two weeks later, I received a text message from Synchrony regarding collecting a debt. I was confused so I decided to contact Synchrony bank, and was told that the payment was returned to my account " due to an incorrect/invalid account number. '' I was even more confused as I did not provide an account number to the representative, and my checking account was not credited by Synchrony. All I provided to the representative was my name, social, home address, etc. I even spoke with a 'resolution specialist ' who did absolutely nothing to resolve the issue. I was going back and forth for hours and no one tried to help. So I decided to call my bank and was told what I already knew ... the money was NOT credited back to my account. At this point, I decided to call the number ( XXXX ) listed on the transaction via online banking. Sure enough, the call was connected to SYNCHRONY BANK! I informed the representative that I was calling the number that was on the transaction. To my surprise, the representative informed me that " we do not handle any accounts for XXXX XXXX XXXX. '' So, Synchrony basically took my {$200.00} and still expects me to pay the full balance. 

A few days later, I received a billing statement with the original amount ( the {$200.00} was not credited to my account ). The minimum due is doubled, and I believe there is also late payment included.

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 2021-07-11
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
My was broken into and all my personal belongings were stolen. Now someone has been attempting to open accounts in my name. These are inquires that I did not do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
Company: Social Finance, Inc.
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
was promised {$75.00} for getting a direct deposit, got a direct deposit of {$500.00} on XX/XX/2020 yet bonus never credited.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My account was closed back in XXXX. I received my direct deposit every 2 weeks to this account since 2018. Recently since COVID I applied for the PP program since I have a personal business I run on the side. I applied through womply and the money was sent to this account. I also had 2 disputes that were ongoing on the account, and I got a email that the funds were put back into the account. I received 2 checks from CHIME but they were only for {$0.00} and {$7.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: Resurgent Capital Services L.P.
State: CA
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:
They have been selling my information, which is not their place. They have also been able to furnish my XXXX XXXX for me without my consent. Which is against the law according to the congressional findings 15 USC 1681 ( b ) ( XXXX ). They've assumed the responsibility. According to the congressional findings, under the law 15 USC 1681 ( a ) ( XXXX ), congress made it clear that they have assumed this role. 
Also under 15 USC 1681 ( a ) ( XXXX ), they did not exercise their grave responsibility, they were unfair, they were partial, and they have not respected my right to privacy. Again i have never given them permission nor have I instructed them to furnish or create any of the things on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: RentDebt Automated Collections, LLC
State: TX
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:
Attempting to collect on an alleged debt. Being harassed by apartment complex as well as the debt collection agency. Cease all threats, contact and harassment. As well as removed alleged debt from credit. Damaging credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
Company: EQUIFAX, 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 status incorrect

Complaint:
XXXX  despite being set up on payment arrangements with XXXX XXXX  and under the CARES act did not report my account as current from XXXX to present. Per Fair Credit Reporting Act inaccuracies should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: MONEY SOURCE, INC., THE
State: WA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
20+ points impact on your credit score because their auto-payments system wont kick in! Poor customer service, promise theyll get back to you but dont. In no way they reached out for me to alert me about a late payment despite automatic payments being setup. 

* XX/XX/XXXX - closed refinance through better mortgage * XX/XX/XXXX - first statement sent, payment due date is stated to be XXXX * XX/XX/XXXX - I log into TMS website and set automatic payments {$500.00} more than whats required to occur every first of the month. Hoping Ill never need to worry about it again. 
XXXX XX/XX/XXXX - email from TMS that my billing statement is ready to view online * XXXX - credit reporting services register credit score dropped 120+ due to being 30 days late on mortgage * XXXX - Friday, I get notified about credit score drop and since its the weekend no one to talk to at TMS * XXXX - I make an online payment manually of all remaining balance. Automatic payment didnt kick in for either XXXX or XXXX. no attempt to contact me. 
* XXXX - I was able to get in touch with a TMS customer service. 20 mins on the phone. person in extension XXXX promises a supervisor will get back to me. no one gets beck to me * XXXX - I call in 49 minutes on various holds on the phone. Eventually get through to XXXX at extension XXXX, she promises this time they will really get back to me on XX/XX/XXXX morning. 
* XX/XX/XXXX - no one got back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-17
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX did two inquires in three days for the same thing and XXXX XXXX also did two inquires andXXXX XXXX and they should not have. Also I have inquries from XXXX XXXX XXXX, and three other auto dealer I neevr authorized and I keep telling Equifax and XXXX this and XXXX and they do nothing. I can not even get a credit report from equifax and old stuff keeps reappearing that is over ten years old and I dispute and they will not take it off. I have oevr 6 inquires that should not be on my credit reports. Nobody is doing anything and only giving excuses or giving me an automated system and hiding behind that.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-17
Company: EQUIFAX, INC.
State: AL
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 sent equifax a letter about mis- reporting accounts on my credit report.Equifax did not provide me with information on how they verified these accounts. I have no record of the above accounts and I am demanding that they disclose all of the documents upon which they are relying on, for the reporting on account ( 1 ) above, collectively referred to as account. In accordance with their obligations under the Fair Credit Reporting Act 15 U.S.C. 1681g the consumer is entitled to said records the requested records. The information they are reporting is harming my reputation, its adversely affecting my credit worthiness, and I am being denied credit as a result of this inaccurate reporting.Equifax is in violation of the FCRA because they did not show proof of the alleged accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 need immediate attention I took the action of sending dispute letters regarding inaccurate and unknown things on my credit report on XX/XX/2021. I have not received a response and its been well over 60 days. This is absolutely unacceptable Ive been through enough hardship especially during this pandemic were in. I feel like Im being exploited and being ignored on my disputes. Ive done my research and section 611 ( a ), it is stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they shouldve been deleted immediately. I absolutely demand these accounts be deleted immediately or I will file for litigation due to the hardship and anxiety you caused me. My information was also impacted by the XXXX data breach and it seems it got into the hands of the wrong person. I need this taken cared of immediately

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 2021-07-11
Company: EQUIFAX, INC.
State: NC
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:
Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: TRANSWORLD SYSTEMS INC
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: Credit inquiries on your report that you don't recognize

Complaint:
Unauthorized credit inquiry on XXXX XXXX report by Nationwide Credit Inc. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX AZ XXXX XXXX dated XX/XX/XXXX. I have no known accounts with this company nor have I received any communication from the company as of today, XX/XX/XXXX. 

It is stated in XXXX XXXX report that this inquiry is shared with companies that view my Consumer file, may be used in credit scoring and may impact a credit rating. 

This inquiry needs to be removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: Bread Financial Holdings, Inc.
State: MN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I bought a ring and got financing through XXXX XXXX XXXX XXXX. I spend over {$3000.00} for the ring and was told I would get promotional financing which is 14.99 percent apr low for 36 months and told by the associate I would receive. It was a while till I realize I'm getting a finance charge every month! I called comenity bank who issues the card and filed a dispute and after they stated it was correct. Never get financing through XXXX  they're deceptive and liars

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-21
Company: Healthcare Collections-I, LLC
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The original debt was with XXXX XXXX. XXXX XXXX had set up a payment plan to pay {$43.00} due XX/XX/18 payment made XX/XX/18. Letter from HCI medical received was dated XX/XX/18. I started receiving calls before the 30 days given to dispute the debt. The times called they were rude and would not disclosed nature of call. I spoke to XXXX on XX/XX/18 and informed her of the repeated calls and rudeness. She apologized and we set up a payment arrangement of {$50.00}. I made another payment on bv XX/XX/18 of {$50.00}. I received another letter from HCI dated XX/XX/18 letting me know my balance remained unpaid and threatened to submit to credit b.c agency after making arrangements. I spoke to XXXX on XX/XX/18 at XXXX XXXX because XXXX was on vacation. She stated that after 45 days I get that letter. I informed her that it was not 45 days and she said sometimes the system does that. Really? I informed her to give XXXX a message. I never got a call. I called XXXX today at XX/XX/18 at XXXX XXXX and the payment arrangements and notes were gone. This is wrong practices and I am complying and now I was told that there is a possibility it's been reported. My consumer rights are being violated and this companies employees are not following protocol.

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: ENOVA INTERNATIONAL, INC.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Interest rate is 58.79 % The payments are forced electronic payments and they are unwilling to work with me to lower interest rate. They are a predatory lender

Company response to consumer: Closed with explanation