BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-08
Company: CURO Intermediate Holdings
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This company is reporting a collections account on my credit report to the credit bureaus. I have not received any written notification from this company to allow me the time to verify the accuracy of this debt and therefore they have violated my right to a 30 day timeframe to dispute. 

I sent a request to the credit bureaus stating this and this company responded to the credit bureau that the debt was valid. 

They are not willing to cooperate and follow due process therefore causing me much stress and harm to my otherwise clean credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
Company: OPORTUN FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I applied for a car and I was told by the person I was in collections. For {$1400.00}. 
Ive recently been released from prison after 10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
In XXXX I wrote I letter to the credit bureau advising them my credit report shows incorrect information in the form of my name being incorrect, incorrect addresses listed, and inquiries that do not belong to me. 

It has been past the 45 day timeframe and this information has not been removed from my credit report.

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 2021-06-08
Company: Southwest Credit Systems, L.P.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is my 3rd time disputing this debt. XXXX continue to send to different collection agencies. This is not my debt. I do not and have never had an account with XXXX. Now Southwest Collection Systems is on my credit report for the exact same debt that isnt mine. My next step is to file legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30
Company: ENCORE CAPITAL GROUP INC.
State: ND
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX. Midland funding place a judgement on me without verifying any of my debt or giving me notice to dispute the cc. The cc charged me unfair fees. They started harassing me again in XX/XX/XXXX calling me 10+ times per days, swearing at me and threatening to take everything I have at that time I told them not to contact me by phone. I filled out paperwork showing I have XXXX children and a limited income and they where unable to garnish my wages because I didn't make enough to support us. The calls stopped and I have not heard anything from them since. I have since moved from my previous address. Yesterday XX/XX/XXXX I deposited my payroll check I to my bank account and went to the store to find out my card was declined for nsf funds. They drained my checking account and took all but XXXX. Of my fiance 's saving account ( we have a joint account and this was from his paycheck direct deposit ). I called this morning XX/XX/XXXX to talk with the collection agency and they notified me that they can do this without any notice even after 7 years. They had my old address on file when they asked me to verify my Info I gave them my new address. I have XXXX children to support, rent due in 2 days and they have taken everything without any notice or option to payments or ability to fight the actual charges they say I owe which is unfair fees I was charged. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21
Company: Aldous & Associates, PLLC
State: MA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Spend numerous hours trying to cancel a gym membership and was unable to with the gym manager. Finally was able to cancel and get charges refunded which manager assured me this is resolved by an email and voicemail which I have. After receiving the debt call I was able to reach the billing dept which was unknowst to me. They came to the conclusion about me owing the debt even though the manager assured me it is resolved. This company looks to have a bad history of debt not being owed as shown with the XXXX and an investigation by XXXX i team for similiar practices. I also have a voicemail I can send of the manager calling me to say this has been resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03
Company: Continental Finance Company, LLC
State: VA
Product: Credit card
Issue: Late fee

Complaint:
XXXX, I have XXXX credit card accounts with Continental Finance ( XXXX ). They are very high interest cards that I took out right after I successfully completed XXXX Bankruptcy. I pay on time every month, through their website. I have noticed several times that when I sign on to make my payment, inexplicably and under the guise " for your protection '' the system asks me to change my password. Although, I follow the instructions carefully and answer my security questions correctly, there are repeated error messages forcing me to become locked out of the system and to call the customer service number on the back of my card. Because I often pay either on the day before or the day that my payment is due, this action I feel puts me at risk of being late in making my payment, thus resulting in paying the credit card company not only my payment that is due but a hefty late payment fee of {$35.00}. ( This has occurred about XXXX or XXXX times ). Throughout the month I am often checking my account online, but I have noticed that the system requires me to change my password only around the time that a payment is due. I have complained to the company, but they only reply " it is added security for your protection '' or " or try to make your payments earlier ''. Please investigate this matter.

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 2020-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I had an account with XXXX XXXX. I received a call from collection agency XX/XX/2020, advising that if I paid the settlement offer the item would be removed from my credit report. 2 months later the item is still reporting negatively on my credit report.

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 2020-10-14
Company: BARCLAYS BANK DELAWARE
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I requested Barclays Card Co. to pay me back {$140.00}. But they never do it. It forced me to file complaint to your CFPB office.

However I never get any answer from your CFPB office Nor any answer from Barclays Card Co. WHY my case was closed very unfairly?

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 2021-07-15
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 belongs to someone else

Complaint:
This XXXX XXXX placed accounts under my name at different times with different balances without my consent. They also reported them to my credit reports. We spoke with their employees namely XXXX XXXX - introduced as a sales consultant, & manager XXXX XXXX who both claimed not to work on commission. They enticed us saying we're making good financial investment, that it has some tax benefits similar to owning a 2nd home. They promised that rental income would be possible. They also told us that we can make money from the timeshare if we decide to sell it later on especially because the resale value would also go up. They promised us not having to pay maintenance fees again. We were absolutely profiled, they asked us if we have credit cards, married, employed etc. Then they make it sound like they're giving a special offer made only just for us because they mentioned they needed " corporate '' approval to give us the price offered. They promised us money, free vacations anywhere we want on top of the regular purchase which we weren't able to use because we never really received or got any of them as promised. We were also pressured by telling us that it's our last chance at the lowest price. They had us opened a credit card but we never signed any application, never received any copies of application, we were never informed of card or any other fees involved. Everything was rushed, they didn't even allowed us to read & fully understand the contract, we were also under the influence of alcohol. They have our IDs, we also felt threatened when they told us we have no choice but to do this. They never discussed how cancellation process works, they didn't even informed us as to how many days we have to be able to cancel. We could not get any answers after multiple attempts of trying to cancel, they just wouldn't let us cancel. We struggled with financial difficulties caused by this timeshare, plus the Covid issues that we made them aware of & that we just couldn't afford this. We're experiencing stress, high tensions because of multiple issues caused by this timeshare, we even loose sleep over the stress brought by this. Worst parts of my experience with this was not being told the truth about what was being purchased, telling us they are consultants, lies about maintenance fees. Overall, we felt manipulated, taken advantage of, lied to & defrauded throughout the entire thing. They'd even go as far as telling us that we had no choice but to purchase this.

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 2017-02-16
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
I have enrolled with XXXX XXXX XXXX and sent out the appropriate paper work as well as informed this company to please stop calling my workplace and threatening to attach wages and litigation processes.

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 2018-08-07
Company: AMERICAN EXPRESS 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:
I recently conducted a review of my credit report, and I noticed that your agency showed XXXX ( XXXX ), XXXX XXXX XXXX, AMERICAN EXPRESS ( AMEX ) credit inquiries without my knowledge. The unknown and unauthorize inquiries in question was apparently made by -AMERICAN EXPRESS ( AMEX ) on XX/XX/XXXX, -XXXX ( XXXX ) XXXX XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. An unauthorize hard inquiries by XXXX XXXX XXXX  on XX/XX/XXXX, and XXXX XXXX, XXXX. I have not informed or recalled of any association with these company. I have contacted XXXX, and XXXX XXXX XXXX  and American Express ( AMEX ) requested them to take action to get this inquiry removed from their records and to erase any record of the inquiries with all credit reporting agencies. They assured me they would comply with my request and proceed necessary steps to resolve the issue. I wanted to contact all the credit agency as well, just to make sure the issue would be resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07
Company: SYNCHRONY FINANCIAL
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account .I am a victim of the equifax , XXXX XXXX XXXXXXXX and XXXX data breach. State issued ID have been compromised and my social security has been compromised. My postal mail was being forwarded out of state where theft of my personal information took place. 
I am not responsible for any charges made to these mentioned accounts.

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 2019-05-29
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
Name XXXX XXXX Email XXXX last 4 digits ss # XXXX My card has been lost for awhile sent email to American Express no reply

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20
Company: R.M. Galicia, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2018 I XXXX XXXX XXXX XXXX XXXX XXXX playing baseball. I went to XXXX hospital XXXX XXXX. So I went and this was this first time I used my medical insurance and XXXX XXXX XXXXXXXX. So after healing they did not send me any medical bills. The hospital had my number and my work number. I thought my insurance covered everything and I didnt find out until I checked my credit report and that they sent me to collections. That was after 9 months. I dont think its fair because if I knew I had a bill I would of been paying it. I owe XXXX. I called them and tried to tell them if I can dispute it but they said no. They also said they need there money. I told them the same story of what I am telling you and they said they dont care. 

Heres the accounts Progressive management systems ( XXXX XXXX XXXX Accounts 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 2020-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I attempted to extend myself a credit card through XXXX XXXX followed by XXXX XXXX. They both denied me due to incorrect information supplied to them unlawfully from the Credit Bureaus ( XXXX, XXXX, Transunion, XXXX XXXX ). During times like these i should be able to use my own credit to take care of personal essential needs for survival. I contacted the bureaus weeks ago and got no response at all for help in fixing these issues.

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 2016-05-30
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
My father died XX/XX/XXXX. Before his death he made my XXXX brother and I beneficiaries of his home. His Mortgage is with Ditech and he was paying for insurance that would pay for the house upon his death. Not only has Ditech refused to talk to us, ( my father did not make a will ) and they have not honored the insurance my father purchased. Because the property is worth less than {$50000.00}, and it is in CA no probate is necessary. I have sent Ditech many documents stating this fact, but they still refuse to discuss the account with me and have sent a notice that they were going to start foreclosure on XX/XX/XXXX. Since they consistently refuse to discuss this account or honor the insurance, I have to file this complaint. I am out of ideas. I have been to an attorney 3 times and I do n't know what else to do

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established November 22, 2003 was intended to establish a plan whereas  common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free Annual Credit Report, XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have  received an approval of an updated credit report from either XXXX, Trans Union or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. 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 2018-08-07
Company: NAVY FEDERAL CREDIT UNION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XXXX XX/XX/XXXX, I learned that my ex-wife has a Navy Federal Credit account and car loan. I called Navy Federal several days to figure out how she had an account, because in order to have an account, you have to have a sponsor in the Military with their social security card number, account number, rank, and full name. During the phone call with Navy Federal, the first person told me that my ex-wife opened the account in XX/XX/XXXX. Please note, the ex and I were legally separated XXXX XX/XX/XXXX. The second person I talked to, after an hour on the phone, took me off as the ex 's sponsor, but declared that the ex using my information " was not fraud. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-19
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Was approved for a loan, but didn't receive the money

Complaint:
I was approved for a {$1500.00} loan through One Main Financial. And when I was able to provide all the required documents, I was told the loan was denied. Waste of time and inquiry on my credit report. Why call someone and say they're approved and have them allowing you to view personal information to slap them in the face.

This company is a fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ditech purchased our loan XXXX XXXX. All our payments have been timely and correct until XXXX error on our part in XXXX XXXX ( reversed XXXX digits in payment for XXXX, having paid {$2300.00} instead of {$2800.00} ), which we corrected in XXXX, paying the shortfall. Ditech has continued making errors and are grossly negligent and fraudulent in allocating our payments since that time. They now show we are 3 months behind when we have paid in full. 
We have communicated with them since XXXX/XXXX/XXXX with XXXX email message, XXXX phone call conversations and a written letter over the past 56 days and still have no resolution. We are appalled at the negligent handling of customer service issues by Ditech. We are concerned that their continued incompetent handling of their errors will affect our credit score and that Ditech will attempt to foreclose on our home based on their incorrect accounting of our payments. 
Please assist us in resolving this fiasco with Ditech. We have paid in full through XXXX XXXX ( XXXX payment being processed XXXX/XXXX/XXXX ).

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation