BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-11
Company: Bread Financial Holdings, Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
I had a consultation with a XXXX regarding XXXX XXXX. To my surprise the charges I thought I was looking into were actually charged without my consent nor was I given any financial documentation. Such as lending agreements, disclosures, invoices for a treatment treatment plan, nothing.There is also a credit freeze on my Social so how they bypassed those security measures needs to be audited as well. When the bill came I began contacting the XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX advised me to go back to the XXXX which I did ask the front desk why I was charged when I had not yet agreed to the treatments. After this went back and fourth from XX/XX/XXXXto XX/XX/XXXX, I just agreed to the XXXX XXXX and then the XXXX I originally consulted with left the practice and I had to deal with an unfamiliar XXXX that I ended up not having any confidence in to adjusting my jaw and do any permanent long term XXXX work. I feel it is completely unfair that the patient does not have any control over who the attending XXXX  is for treatment or what or how things are billed without their consent. I have continued to dispute my dissatisfaction with the XXXX office and XXXX XXXX with no resolution. The XXXX  office has submitted false documentation to the lender that my XXXX  treatments had, " all services were received. '' which I never received all my XXXX trays so my XXXX treatment never could have been completed. The unethical practices of both the XXXX  office and lender seem to be in gross negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11
Company: EQUIFAX, 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: Account information incorrect

Complaint:
My wife and I recently moved form XXXX XXXX to XXXX XXXX and today we each received 2 letters from Equifax identifying changes of address. The letters dated XX/XX/XXXX say that our new address is actually an address that we had 4.5 years ago and the letters dated XX/XX/XXXX say that our new address is the address from which we recently moved. I tried calling Equifax twice and they won't talk to me/us except to ask innumerable " security questions '' some of which ask for years old information that we don't have a record of. Our credit cards have been scammed several times in the past and we are now concerned that someone is trying to scam us again or trying to steal our identity and Equifax won't even tell us if they actually sent these letters or why they were sent. I spent most of the afternoon trying to contact Equifax to find out if these letters are really from them or a scam. Maybe because of our recent move, they can't seem to identify me either twice by phone or on the website. I called them in response to their letters and they won't talk to me. This credit agency shouldn't have the right to my information, send me erroneous letters and then not respond when they get it all wrong. I need help! This credit bureau equifax shouldn't be in business if they can't do the job and won't talk to people who they are tracking. They will not tell us what address they currently have on file for us. Won't tell us why these letters were sent. Etc. Etc. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27
Company: SYNCHRONY FINANCIAL
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:
This is the THIRD CFBP complaint, as company has NOT taken proper steps to resolve my issue. History is below. 

On XX/XX/XXXX Synchrony pulled a credit report on my name / SSN but the credit enquiry was fradulent so I contacted Payplan/Syncrony the same date of the credit pull, to ask they remove it from my report. They told me it would be addressed in 7-10 days and acknoledged it was fraud. Case number with Paypal/Syncrony for that call is XXXX. I called in several times to follow up but speaking to someone who can help is close to impossible at this financia, institution, the system is made such that the consumer has to give up. 

On XX/XX/XXXX I submitted my first complaint to the CFBP, and someone from the Office of the President reached out to me on XX/XX/XXXX and told me I needed to wait 60 days from XX/XX/XXXX, which was date they removed it from XXXX reporting. The CFBP complaint ID is XXXX for that date. 

I wait. 

On XX/XX/XXXX as the issue is not resolved and multiple failed attempts to solve via email and phone with the Office of the president of Syncrony I file another complaint, XXXX. 

They responded with this info : On XX/XX/XXXX, we submitted an electronic request to the major credit bureaus to have the PayPal Credit inquiry dated XX/XX/XXXX, deleted from your credit bureau report. Previous requests were submitted on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Please allow up to 60 days for the credit bureau to update. 

More than 60 days have passed from XX/XX/XXXX, and again I contacted Syncrony via office of the President and I hear crickets. 

I have also a pending case with the FDIC as Syncrony is a member bank. 

I expect a swift resolution from Syncrony. Not a stock email telling me to wait another 60 days, because the chances that I wait another 60 days to have nothing solved is too high. Syncrony must resoilve the issue directly wit the credit reporting agencies and ensure that whatever is causing this not to be solved is ADDRESSED. 

I also had contacted the reporting agency, and they promtply replied in XXXX telling me that such disputes need to be solved with the financial institution. 

XXXX 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 non-monetary relief
Consumer complaint received 2018-04-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
There is an account on my XXXX  credit report that reported by Portfolio Recovery Associates. This account is inaccurate and incomplete. The account is not collectable due to statute of limitations and has not arisen from a written contract that I signed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
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 am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28
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:
ftc.police was sent about the inaccurate in formation with

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 2020-10-11
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5700.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 XXXX b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5700.00} -This is not my 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 2020-06-27
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have contacted Equifax, XXXX  and XXXX  to have items that has been paid off that was In collection to be removed out of collections. However they just updated the balance to just XXXX balance and the accounts are still in collection instead of being deleted. Also they have information that is reporting 30 days late that is not 30 days late like my XXXX  account. XXXX  put in a request to change the error on their behalf, but its yet to be changed on the reporting side. I also have a probleming with the scoring of my accounts. My scores will drop 30 to 50 points, I will pay the accounts out and they will only give me 10 points back. This is not right from what I have been read on fair debt information. Out of all the stuff I have taken care of, I should have had over 200 points back on my score, but it is not where it should be. My DTI is low and I should have been receiving more points than they have given me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Requested XXXX credit report through the XXXX website. After waiting over 6 weeks did not receive report in mail. I called XXXX. They did not receive my request from Annual credit report.com. I am concerned that my letter with my SS #, DOB, etc. was compromised through the mail or stolen by an employee. The rep at XXXX told me that the address on the form was incorrect. Annual credit report has one phone number available which does not have an option to speak to a live representative. The phone system is not user friendly and dead ends your call. A company that deals with sensitive consumer private information should provide phone access to a live person. Not everything can be resolved through automation. 
They can't address my problem if I am unable to report it to them through their inadequate system.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21
Company: JH Portfolio Debt Equities, LLC
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I have contacted JH port debt in the past. I accomplished nothing. I do no t even know why they say I owe them. Bc if I had, they would've been on my past bankruptcy, in XXXX, XXXX. I know for a fact this company changed the dates for their convenience too. It annoys me bc I'm trying super hard to get my credit score up good enough to buy this house I live in. From my mom. But everything affects your score. I just am trying to do better. I don't need this company in my credit score. I really am desperate for help. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: TD BANK US HOLDING COMPANY
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: Credit inquiries on your report that you don't recognize

Complaint:
Someone tried to obtain a auto loan in my name without my consent or knowledge. I can not delete these fraudulent hard inquiries since the creditor can not remove them without an account. That does not make sense when the fraud was stopped before an account was secured. Now Im left with fraudulent hard inquiries. Please delete!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25
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:
I was checking my credit report to make sure that the information that was there was accurate and found out that I am the victim of identity theft. I noticed an account that was on my credit report that I didn't apply for. Somehow someone used my personal information to fraudulently apply for a credit card. I am not sure how my personal information was obtained but the criminal has charged over thirteen thousand dollars on a credit card that I did not authorize an application for and that I do not have.

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 2021-07-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have submitted documents for a loan modification but Bank of America keepers requesting the same items and does not provide updates. I am going to lose my house but Bank of America is not helping 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 2020-10-11
Company: Allied Account Services, Inc.
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Allied Account Services placed a collection on behalf on XXXX XXXX? We were never notified of any outstanding balance by XXXX XXXX or Allied Account Services. I am unsure what the bill could be for, however we owned a home in Rhode Island and have sold and closed the sale on home in XXXX. At closing any bills owed would of been paid. Electric and Gas were transferred to new home owner at that time. I find this to be harmful and possibly illegal by both XXXX XXXX and Allied Account Services. We have had no communication with either company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28
Company: Consumer Portfolio Services, Inc.
State: WA
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:
I had a car loan with CPS ( Consumer Portfolio Svcs ) which resulted in the vehicle being repossessed around XX/XX/XXXX. Since that time, CPS has added incorrect data to my credit report to keep the account listed after it should have dropped off. According to the current report, it shows the account was paid through XX/XX/XXXX and charged off in XX/XX/XXXX. This is incorrect as the account should be reported as a repossession in XX/XX/XXXX. I have disputed this information more than once with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: Rubin & Debski, P.A.
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:
Per the Fair Debt Collections Act : " ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. '' I have been harassed and corned in my own house to accept responsibility for a debt that I do now owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28
Company: Supreme Lending
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2018, Supreme Lending began charging us {$2500.00} instead of {$1700.00}. They gave absolutely no explanation for the increase in charges. They had actually OVERcharged us the year before, and so we were suspcious, since they had made a mistake in XX/XX/2017 and had had to repay us. We followed up with them via phone multiple times and still, received no explanation other than that this was due " property tax increase. '' We called XXXX XXXX County and found out that no, our property taxes had not increased the amount they claimed. We went back to Supreme Lending and received a spreadsheet with different numbers but no explanation of what the numbers were. Multiple customer service agents at the corporate headquarters could provide us absolutely no description of our charges.

We finally went back to our local lender, who referred us to the regional manager. She was able to explain the charges. Basically, the corporate office had been undercharging us due to not understanding California tax law. We asked that we pay our own property taxes, not have our lender pay them, due to the incredibly poor customer service. However, they want to charge us a {$700.00} fee to NOT pay our taxes. We wrote an email two weeks ago asking the fee be waived and did not receive a response from the company.

We asked Supreme Lending when our monthly fee would go back down to {$1700.00}. Multiple agents on the phone have said it will go back down starting XX/XX/XXXX. As of now, we are still being charged the higher amount and the company is refusing to tell us what our monthly payment will be.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: American First Finance, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have been having problems with American first finance. I have paid off in full both my accounts one was {$440.00} and {$450.00}. They have not reported it the credit bureau and im not happy. I had to call two months ago because they werent reporting my payments .Why should i have to call them to report that I have paid these accounts off. I did part and paid in full and even early.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 paid {$4000.00} to pay off in full a XXXXl XXXX credit card debt with XXXX XXXX XXXX. Anytime I pay off a huge derogatory account like this my credit usually jumps up 30 points or more but this one only went up three points and I want this to be reevaluated.

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 2018-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX Credit Cards Ending In : XXXX & XXXX XXXX XXXX XXXX Credit Cards Ending In : XXXX & XXXX XXXX XXXX XXXX Credit Card Ending In XXXX There are no Balances owed on any Credit Cards

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 2018-12-28
Company: The Outsource Group, Inc
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
collection on my credit report since 2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX going around circles with them on a bill I paid to XXXX XXXX XXXX XX/XX/2017 that I already have paid them. They are rude and keep talking around circles for a payment of XXXX. I can't believe how many times I have called them and no help. faxed them a copy of the check that this has been paid. Tell me to call back another time.

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 2018-12-28
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I am a public servant and have worked for the XXXX XXXX XXXX for 14 years. I am eligible for Federal Loan Forgiveness, but when I've contacted Navient over the years, I'm always told that I have the wrong kind of loan. If they are the ones giving the loans, how could I have been assigned the incorrect loan. I believe that Navient is trying to avoid allowing their customers to receive Federal Loan Forgiveness. I have had issues with customer service with the last 8 years trying to get the name on my account to match my legal name. I'm not holding out hope that Navient will do right by its customers.

Company response to consumer: Closed with explanation