BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-17
Company: World Acceptance Corporation
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This is the second complaint I filed against World finance Company this was from a loan back in XXXX that was closed in XXXX then World finance sold it to another part of their company and then re-opened the account XXXX years later in XX/XX/XXXX and lied and said I made a payment which I sure did not it is a bold face lie I reached out to the company but they were unresponsive and rude this is my only option left

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I had two cards, one with XXXX XXXX, the other with XXXX both owned by Synchrony. 

I would receive late notices with fees added but no original bill. 

I would pay and the same happened again. 

I now paid off both cards with no real intention on using them again I received notice XXXX that one of the cards is being cancelled due to late payments ( kind of convenient now that there is no balance ) and that my credit score was affected. 

Just hope Synchrony is not allowed to go on doing this to people and making millions of dollars doing it.

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 2017-07-14
Company: Seterus, Inc.
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I 've been trying to stop paying my home insurance through my mortgager since early XXXX of this year. My initial request was via fax and did n't have my signature, so I sent another with my signature on XXXX XXXX. It was not entered into their system until XXXX XXXX, and I was not notified that they were even in receipt, or that a signature was missing. It was only upon my calling them that they told me they needed my signature. I followed up on XXXX XXXX, and was told they would make a request and put a rush on it. today I called and was told Insurance could not help me that she would transfer me to the group in charge of escrow, and the call was routed back to the main menu. When I went through the whole process again, and became a little annoyed because this process was taking an extraordinary amount of time and Seterus is taking more money than necessary to pay my home insurance, the young lady hung up on me.

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 2022-02-10
Company: EQUIFAX, INC.
State: MI
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, XXXX XXXX, Living Person, And Original creditor have solely made this complaint and if stated otherwise would be intentional willful neglect. Sending correspondence requesting deletion of unverified accounts and not receiving a response from them. They can not validate and verify so it needs to be deleted. The notes are, the bureaus arent following their own rules and guidelines, the 609 debt validation was sent as well as a demand to comply with no response. The Bureau is reporting inaccurate information on my credit report and hasn't responded back to me concerning a letter I mailed on XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: Quality Asset Recovery LLC
State: NJ
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:
Notice to Cease and Desist To Whom it May Concern ; This is in reference to the Consumer Report sent by QUALITY ASSET RECOVERY. While checking my credit report, it came to my notice that QUALITY ASSET RECOVERY has furnished an account XXXX on my report. 

According to 15 USC 1692a ( 2 ), the term Communication means the conveying of information regarding a debt directly or indirectly to any person through any medium.

As per the literal interpretation Any medium includes any oral, written, electronic, or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by QUALITY ASSET RECOVERY will amount to Communication as per Fair Debt Collection Practices Act ( FDCPA ). 

Pursuant to my rights as per 15 USC 1692c ( c ), I am hereby providing you formal notice to cease any further communications regarding this account XXXX immediately. This includes but is not limited to telephone calls, emails, social media, or any Consumer Reporting Agency. 

Any further contact by your Agent or QUALITY ASSET RECOVERY, except a communication, confirming your acknowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

If you do not cease communication a lawsuit will be commenced against you. 

Thank you for your cooperation

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 2022-02-10
Company: Experian Information Solutions 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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate. 
XXXX XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 2. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX XXXX XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 3. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 4. Misleading false reporting unverified/inaccurate last date activity XXXX XXXX Account Number : XXXX FDCPA section 807 violation misleading false reporting 5. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 6. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX  XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 7. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX XXXX  Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 8. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate. 
XXXX Account Number : XXXX FDCPA section 807 violation misleading false reporting

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 2017-12-11
Company: Coinbase, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
On Friday XX/XX/XXXX I purchased {$490.00} dollaras worth of Ethereum from Coinbase using a debit card. These transaction are processed and credited instantly. Well it is now XX/XX/XXXX and I still have not recieved the property that I have paid for. I have sent multiple support tickets that have not been answered within in 72 hours nor will they answer their support office phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I opened an  HH Gregg st ore credit card through Synchrony Bank in account in  XXXX   2012 . I agreed to a 0 % annual percentage rate fo r twenty four  months, and then a slight rate increase thereafter, which was not honored. Instead I keep receiving statements with very high interest rates, including an inflated annual percentage rate of 29.99 %.

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 2022-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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 name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting 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 non-monetary relief
Consumer complaint received 2022-10-04
Company: Army and Air Force Exchange Service
State: DC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
On XX/XX/XXXX, I received an offer from XXXX XXXX XXXX to settle debt of {$9400.00} for {$2000.00}. Prior to accepting the offer, on XXXX/XXXX/XX/XX/XXXX, I spoke to a collections department representative of the Army & Air Force Exchange Services ( original creditor ) who verified the offer but instructed me to contact XXXX. On or about XXXX/XXXX/XX/XX/XXXX, I spoke with XXXX XXXX of XXXX XXXX who also verified the offer of {$2000.00} to settle the account in full. On XXXX/XXXX/XX/XX/XXXX, I withdrew a cashier 's check for the offer amount and certified mailed it along with the XXXX offer letter and a letter requesting notification of closed/settle account ( Please see attachments ). On XX/XX/XXXX and XXXX/XXXX/XX/XX/XXXX, I spoke to XXXX XXXX, and on both calls she indicated that XXXX has posted the payment to the account, and I will receive a closed account letter in 5-7 days. On XX/XX/XXXXXX/XX/XXXXI did not receive the closed account letter that XXXX XXXX stated. But instead, XXXX sent me another offer letter dated similarly to the first offer letter, dated XXXX/XXXX/XX/XX/XXXX, in the amount of {$7600.00}. Both debt letters are dated XX/XX/XXXX. 
I spoke with XXXX XXXX on XX/XX/XXXXXX/XX/XXXXat XXXXXXXX who stated that to disregard the letter and that the closed account notification letter was mailed from XXXX XXXX XXXX/XXXX/XX/XX/XXXX, and that I should receive it soon. On XXXX/XXXX/XX/XX/XXXX, I called to XXXX XXXX again at or abouXXXX XXXXXXXX  and spoke to XXXX XXXX about in error offer letter that I had received on XX/XX/XXXXXXXX for {$7.00}, XXXX. XXXX XXXX verified that I paid the {$2000.00} and that the debt had been settled and the account closed. She also stated that I should receive my closed account letter absolving from the and that it went out on XXXX/XXXX/XX/XX/XXXX. To This very day I have not received the letter promised by XXXX XXXX absolving me from the debt.

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 2018-01-02
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
On or about XX/XX/2017 my wife and I applied for a loan to purchase a used vehicle at XXXX XXXX, XXXX, California. We were trading in two vehicles for the one. We were told the loan was approved by XXXX XXXX XXXX XXXX, XXXX XXXX, California. A week after bringing the vehicle home and the dealership having our two vehicles, we were called by the dealership to go back and sign new paperwork since XXXX XXXX declined the loan. Without our knowledge the dealership made several inquiries ( hard hits ) on our credit to get a loan approved. A few days later we started receiving letters from various banks and credit unions explaining why were declined. We received one letter from XXXX XXXX which explained that although I had a credit score of XXXX I was declined for various reasons. One of the " key factors that adversely affected my credit score '' was " time at current residence ''. I have tried to contact XXXX XXXX, my personal bank, Experian and the Federal Trade Commission in an attempt to determine how it is possible 23 years at my current residence could adversely affect my credit score. I  have not been able to find an answer to this question! This should be spelled out somewhere with some agency.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: Experian Information Solutions Inc.
State: RI
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 name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting 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 non-monetary relief
Consumer complaint received 2022-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2022-02-10
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2022-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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, XXXX XXXX, Living Person, And Original creditor have solely made this complaint and if stated otherwise would be intentional willful neglect. Sending correspondence requesting deletion of unverified accounts and not receiving a response from them. They can not validate and verify so it needs to be deleted. The notes are, the bureaus arent following their own rules and guidelines, the 609 debt validation was sent as well as a demand to comply with no response. The Bureau is reporting inaccurate information on my credit report and hasn't responded back to me concerning a letter I mailed on XX/XX/2021.

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 2021-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I would appreciate it if you deleted these items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house and a car to provide for me and my family

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 2022-02-10
Company: EQUIFAX, INC.
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:
TO WHOM IT MAY CONCERN Under 15 USC 1981 b -permissable purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates XXXX XXXX XXXX XXXX XXXX NEVER gave EQUIFAX any written consent to report anything on my consumer report, no consent is identity theft. A copy of the law is attached with this dispute letter. 

Concerning the accounts linked below as a consumer demanding deletion of these accounts. 

XXXX XXXX ACCOUNT NUMBER XXXX OPENED XX/XX/XXXX 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: Rausch Sturm LLP
State: WI
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:
Just found out that XXXX XXXX XXXX XXXX XXXX filed a small claims suit against me. I do not or have never had an account with them. There is nothing on my credit report from them. This is clearly a fraudulent 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 2022-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 am being taken advantage of due to mild practice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, I was denied a home and car while making over the required amount to manage. I am in School and due to covid-19 and this pandemic I do not have proper resources to manage. So you have hurt my ability to obtain credit.

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