BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-30
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:
I submitted a letter to the 3 Credit Bureaus last XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
All three credit bureaus are denying my opportunity to live a better, prosperous life by reporting false information on my credit score. I have contacted the companies that the original creditors and they tell me they have closed and charged off the account and can not do anything about it. They continued to tell me that i need to contact the credit bureaus to remove them from my record. I have sent several letter giving the credit bureaus an opportunity to set things right but refused to do an accurate investigation and remove those damaging items from my record as well as unrecognizable hard inquiries. In these days with so much hardship going on as far as getting employment. This inaccurate information could prevent me from achieving a better life.

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 2021-01-26
Company: Santander Consumer USA Holdings Inc.
State: OH
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX XXXX  Inquired onXX/XX/2020, SANTANDER CONSUMER USA Inquiry :XX/XX/2020. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16
Company: Navient Solutions, LLC.
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:
Navient removed 5 accounts ( on XX/XX/2020 ) that were closed from my XXXX  credit report before they were to be removed under the FCRA. These 5 accounts shouldve stayed on my credit report for another 2 years. Ive contacted XXXX  and they stated that Navient requested to have them removed. I then contacted Navient and they said they didnt remove them and after they looked into it stated that the accounts were closed and shouldnt have been removed for another 2 years but wouldnt place them back on my credit reports. When they were removed it dropped my credit scores by 39 points because they were my oldest good standing accounts on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: U.S. BANCORP
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Don't want a card provided by your employer or the government

Complaint:
I did not file for unemployment yet I have now received a XXXX XXXX XXXX/XXXX  card and have been unable to contact the state or card issuer ( US Bank ) to discontinue this process. Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-20
Company: MoneyLion Inc.
State: AZ
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/XXXX Called Money Lion to pay debt they said I owed nothing Stated I needed a letter not email stating paid debt off. They sent a email XX/XX/XXXX XXXX XXXX Agent asked me to look at my XXXX emails to see where debt was sold. I found email and called number listed. They stated money lion bought back the debt. 
XX/XX/XXXX I called to advise and asked to speak to a supervisor. They said they will call me. 
XX/XX/XXXX called again, they stated they will call me. 
XX/XX/XXXX still no response

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: S&S Physician Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I saw many collection accounts on my credit file from Harvest Associate. They took one emergency rom visit and broke it down to several collections and changed the dates on each to make it look like I went to the emergency room every other day. One of the collections are duplicates on m credit for XXXX it is reported twice. 
I SENT A REQUEST TO HARVEST ASSOCIATES TO VALIDATE THE DEBTS THEY ARE REPORTING ON MY CREDIT AND THEY WON'T SEND ME ANYTHING. They never sent me a letter stating that they bought this debt, giving me the opportunity to dispute it

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: EQUIFAX, INC.
State: MD
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:
XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following information is outdated. I would like it removed from my credit history report XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
2. The following personal information is incorrect Account Number : Addresses : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX md XXXX XXXX. The following personal information is incorrect Account Number :  Addresses : XXXX XXXX XXXX XXXX XXXX va XXXX 4. The following personal information is incorrect Account Number : Addresses : XXXX XXXX XXXX XXXX nc XXXX By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Spoke with Equifax about my XXXX XXXX credit card not being reported correctly. They merge a old card with a new card. So it's states current but the status states the account is closed. Told me to call XXXX XXXX  credit car company and they re-reported the information and Equifax never made the change to my report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
Company: WESTERN UNION COMPANY, THE
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Confusing or missing disclosures

Complaint:
Western Union makes it difficult to collect expired remittances Deliberately makes it difficult to collect on expired remittances.

They put obstacles so that customers get tired and desist the collection of small amount remittances.

These are the facts : 1- On XX/XX/XXXX my customer sent {$45.00} according to MTCN XXXX. 

2.- Due to the Covid-19 pandemic, I did not collect the remittance in a timely manner. 

3.- In XXXX I contacted Western Union where they informed me that the remittance had expired and that the sender should speak with the Western Union agent in XXXX to renew it. 

4.- The client informed me that he made several attempts and the agent always told him that the MTCN number did not appear in the system and therefore he could not do anything. 

5.- On XX/XX/XXXX, I called the Western Union support system and the automatic voice agent informed me that the money was available to be collected. 

6.- The same day I went to the XXXX Supermarket located in XXXX XXXX , XXXX, FL, which is a Western Union agent . The clerk informed me that the MTCN number did not appear in the system. 

7.- The same day, I spoke with XXXX in Western Union Customer Support and he told me that the sender should cancel the remittance and resend the money, of course paying the expenses again to Western Union . 

My point is the agents are not properly trained and give contradictory suggestions, in addition the system has bugs, for instance, the responses of the automatic voice agent contradict what the agents see in their systems. All this favors Western Union economically because customers give up collecting the amount of the remittance or have to do it again with the consequent money loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
The company by the name of XXXX XXXX XXXX reporting that in 120 days late, which Im not, my account was transfused to a next company so I dont understand why they reporting. This negative items on my 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 2019-02-24
Company: Experian Information Solutions Inc.
State: OH
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 going over my credit report and I noticed that there are several unauthorized inquires of my report. I do not recall applying for any account for business or credit. I am not sure who would access my personal information for credit or business. These transactions were not originated by me nor did I give anyone permission to pull my credit report. I already own a vehicle. The following inquiries are not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am filing a complaint with the XXXX Police Dept as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-04
Company: CITIBANK, N.A.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Several people identifying themselves as lawyers from the firm of XXXX XXXX XXXX called me and my immediate family multiple times each in the same day. The names they used were XXXX XXXX and XXXX XXXX. They were EXTREMELY rude -- even going so far as to harrass my XXXXyear-old mother to the point of tears and a XXXX XXXX XXXX. When I contacted them to see what they were calling about, they spoke extremely fast so that I could not write down the details. When I asked them to slow down so I could take notes, they became agitated. When I asked questions for clarification or further details, they became angry and said that " I didn't have this many questions while I was charging money on a credit card that I had no intention of paying. '' They proceeded to berate me, even questioning why my company would hire such an " XXXX '' to be a manager. I remained calm and asked them to do the same. I asked them to send me a letter providing me with their claims in writing, and they said if I wasn't going to make a settlement agreement immediately on the phone that they would begin court proceedings. I explained that I was simply trying to get to the bottom of their claims, but they just replied that I was being uncooperative and hung up on me. I called the financial institution they said the debt was from, and they had no record of the credit card or the debt under my name or social security number, and also told me that they were not looking to collect any money from 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 2020-11-20
Company: SYNCHRONY FINANCIAL
State: NH
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I had a credit card and line of credit with PayPal through Synchrony Bank that I had fallen behind on payments on in Summer of 2018. I was unable to reach a payment arrangement, but they had my contact information and were able to contact me successfully. 
Somehow, they found the telephone number for my parents ( who live in a different state ). 
On or about XXXX XX/XX/2018, one of their representatives called my parents home, looking to speak to me. My mother asked what the call was regarding, and the representative proceeded to tell her about my account being past due. 
This caused quite a bit of friction between my parents and I and was entirely unnecessary.

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 2020-09-04
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I opened up two credit card accounts with two different stores : Ashley Furniture & Lumber Liquidators. Both stores advertised the accounts as no interest for 24 months, but I noticed after a few months that I have been charged a monthly " card security '' interest fee on both accounts since the cards were opened. Synchrony Bank claims it's a " benefit program '' that I opted into, but I never willingly opted into this when I applied for the card at each store. Synchrony Bank, Ashley Furniture and Lumber Liquidators are scamming their customers and this should not be allowed to continue.

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 2022-10-27
Company: Experian Information Solutions Inc.
State: HI
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: LJ Ross Associates
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have reported numerous disputes to all three credits agencies apprising them of the error made by the UTILITY company XXXX. 

The amount of XXXX XXXX dollars ( {$67.00} ) is in error. I contacted the electric company on or about XX/XX/2020 to inform them of my moving out of state and to discontinue my service effective XX/XX/2020. 

My final bill from the utility was paid in full. 
( See attached final bill ) The utility company retained L.J. Ross & Associates alleging I owe a balance of {$67.00}. Every month L.J. Ross & Associates has been sending " negative '' reports to the credit reporting agencies. 

I request the XXXX & L.J. Ross & Associated cease and desist their actions in reporting this error to the credit reporting agencies.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-28
Company: Tower Loan of Mississippi, Inc.
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
In XXXX of 2018, I was sent a preauthorized check from Tower Loan for the amount of {$1200.00}. At the bottom of the page, it clearly stated that the amount I would have paid back was {$1400.00}. On the back of the paper with the disclosures, it clearly stated that no insurance was being sold in connection with the loan. When it came time to pay the loan back, Tower Loan called me and said I was approved for an additional {$500.00} to this loan. I did not contact them. I agreed and when I went to sign, they treated me very poorly. Then, next thing I know, they started demanding that owe them {$4200.00}, stating I had signed off on all these insurances I never Asked for or agreed to. I have been harassed relentlessly, and I Do not owe them for charges I never agreed to, especially when it clearly stated on the original loan document, that no Insurance was being sold with then loan. These people are bullies, and have called me at work, at home after XXXX XXXX, and have still contacted me after we went to litigation.

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 2018-10-03
Company: Credit Plus Inc
State: NE
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'm a couple months into trying to finalize buying my first home. The mortgage company wants to know about the charge off student loan for {$11000.00}. So we do a Credit plus conference call on XX/XX/XXXX with XXXX, they state they have the loan in there office but now we are sending it to XXXX XXXX XXXX for XXXX. They give me the info and I call the firm the following week and they don't have anything still to date XX/XX/XXXX. We do another conference call on XX/XX/XXXX with XXXX XXXX XXXX and they state the account balance is XXXX and it had been turned over to XXXX XXXX for {$20000.00} in XX/XX/XXXX. I demanded full loan Documentation and I got a credit application with my signature on it. I asked for other documents and got nothing. I know this loan has been transferred numerous times to various companies. I had been getting threatening phone calls and harassment months before I filed a Ch XXXX in XX/XX/XXXX when it showed up on my report as a charge off. I'm under the assumption that this debt has already been claimed on someone's taxes as it showed up as charge off on my credit report. Possibly Double dipping?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I'm being charged for an amount of {$230.00} and I don't recognize this account. I have tried to resolve this several times in the past and have not had any solution. Please I need this removed from my credit. I'm trying to apply for a credit card. Thank you Dates XX/XX/2019 ( 9 months )

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 2023-09-06
Company: National Credit Systems,Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me significantly as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: EQUIFAX, 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: Account status incorrect

Complaint:
XXXX XX/XX/XXXX current on payments XXXX XX/XX/XXXX current on payments XX/XX/XXXX no data XXXX XXXX XXXX XX/XX/XXXX current on payments XXXX XXXX 30 days past due XXXX XXXX 60 days past due XXXX XXXX 90 days past due XXXX XXXX 60 days past due I am missing data for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX 2 late payments were previously removed per dispute. All should have been removed per natural disaster and covid 19

Company response to consumer: Closed with explanation