BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-18
Company: ERC
State: MA
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:
This company claims that I have a balance of $XXXX with them, I have been disputing this debt because they are reporting it as in collection on my credit report, I asked this company to please provide me with a copy of the original contract which bears my signature and which it concerns the debt being collected. All that ENHANCED RECOVERY COMPANY provided me with is a bunch of copies of account bills from the years XX/XX/XXXX and one copy from the year XX/XX/XXXX. This is not enough to validate the debt that they are trying to collect, I don’t want a piece of paper showing an itemization neither. I looked up the debt collection laws in the state of Massachusetts because that is where I reside and it says that on XX/XX/XXXX the Massachusetts Attorney general published onerous new consumer debt collection practice regulations, deeming their violation to be an unfair trade practice. It also says that these regulations, which became effective upon publication, purport to govern every business and person nationwide who engages in collecting a consumer debt (defined as any debt resulting from a purchase, lease or loan of goods, services or real or personal property or for a loan of money obtained for personal, family or household purposes, whether or not reduced to a judgement) from a person located within Massachusetts. Like I said at the beginning of my complaint, ENHANCED RECOVERY COMPANY is not willing to provide me with all documents or an original contract that bears my signature that is required in the state of Massachusetts. I am including some pictures that were taken by me so that ENHANCED RECOVERY COMPANY can read what the laws and regulations are in the state where I reside. If they are licensed to collect in Massachusetts, they should know these laws and regulations. This is not a refusal to pay, but I need this debt to be validated before I make any type of payment. If the debt cannot be validated please delete it from my credit file, as it is causing my credit worthiness big damage. Copies of account statements is not enough to proof that I opened this account, provide me with the original contract or delete the account from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On or about XXXX of the year XXXX, I opened an AMERICAN EXPRESS credit card account. This was a valid account linked to my bank account and all the charges up until XX/XX/2019 were mine and authorized. 

However, in XXXXXXXX XXXX XXXX, various of my accounts were stolen/hacked including this American Express card and my bank account. I filed an official Criminal Complaint with the XXXX in the XXXX XXXX XXXX  about this fraud and theft. 

I sent American Express a copy of this Criminal Complaint and a " Fraud Affidavit '' in regards to the illegal activity. 

American Express responded by denying my fraud claim based on the allegation that I allegedly didn't notify my bank of the fraud and that my bank was linked to the American Express Account. But of course it was linked as this was how I paid my American Express bill each month. Which I find irrelevant and false as I did notify my bank of the fraud. And my bank is irrelevant because I reported the fraud to American Express with a valid " Criminal Complaint '' issued by a Virginia Magistrate and Court.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
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: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus dated XX/XX/2023, to update the suspicious information or accounts. I think you have not validated these accounts after I complained previously. These accounts were already included in my prior COMPLAINT, and I'm including them again. 
Investigate and verify these accounts : XXXX XXXX XXXX XXXX XXXX XXXX Date opened : XX/XX/2023 Balance : {$15000.00} XXXX XXXX XXXX XXXX  Opened XXXX XXXX, 2023 Balance : {$15000.00}

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: 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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Greetings, I filed a fraudulent dispute since last year and early this year again and both times they have denied my claims without any response to my claim or explanation. I am so tired trying to fix this issue with this company, my line of credit was XXXX dollars and now they say that my balance is XXXX dollars. This is so unjust and unfair, I was a victim of theft, fraud and the black web victim as well. I have police report and the other companies have done they part to resolve any problems that I had but yet PayPal and synchrony bank have not done anything to help instead I keep receiving disturbing phone calls from very rude workers and I had to silence my phone in order for me to get some sleep as I am a XXXX XXXX XXXX XXXX XXXX XXXX veteran with severe health issues. I have another account with synchrony and they see that I dont have any issues with this card. I need help please

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 2023-10-09
Company: Experian Information Solutions Inc.
State: VA
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:
XXXX XXXX XXXX opened fraudulently on XX/XX/2017 balance of {$270.00}

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 2018-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
XXXX XXXX XXXX sent me an email stating that they are no longer serving my account when I called to settle. XXXX XXXX is the person that emailed me. His email is XXXX. Please see the attached letter as confirmation that XXXX XXXX XXXX no longer has this 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 2019-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Investigation did not fix error

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 2021-06-23
Company: Waypoint Resource Group, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The only debt I have is a new federal student loan. Portfolio Recovery LLC has continues to call my number from various numbers despite not owning anyone debt. The calls themselves are harrassing since they never leave a voicemail and sometimes call repeatedly in one day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-28
Company: Asset Management Outsourcing, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
These two debts were with XXXX XXXX XXXX in XXXX Georgia. One is a hospital bill one is an Ambulance ride. Hospital bill is XXXX.The ambulance ride is for XXXX. These bills were paid by my insurance prior to the medical center going bankrupt and out of business. I never received a bill for either of them an they showed up on my credit for collections by XXXX XXXX XXXX XXXX on XX/XX/XXXX an XX/XX/XXXX. I have disputed threw credit buereu and also XXXX XXXX all they tell me is the debt is correct.Another ambulance ride in XX/XX/XXXX from XXXX XXXX XXXX XXXX Tn XXXX $ was turned in threw XXXX. This was a result of a condition connected to my XXXX As I am a XXXX XXXX XXXX veteran an the Ambulance ride is their responsibility. They paid my hospital bill for my week stay. I have disputed to credit buereu an told them its VA responsibility but no help. XXXX XXXX XXXX XXXX $ for XXXX in XX/XX/XXXX with XXXX XXXX XXXX. My XXXX was paid by insurance as well as XXXX  but the XXXX  part was turned in. I have been disputing this for the greater part of 2 years now an any assistance would be greatly appreciated as I am a XXXX vet trying to fix my credit to by a home. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: Upstart Holdings, Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
A loan was taken out in my name. I'm a victim of identity theft. My email was accessed, from there my bank accounts. 

Loan Company : Upstart Loan amount : {$1200.00} Loan date : XX/XX/XXXX Loan # xxxxxxxx Signed : Electronically Wired to my account {$1000.00} ( XX/XX/XXXX - XX/XX/XXXX? Don't have record of the exact date ) Bank return to Upstart on XX/XX/XXXX as unauthorized. 

I filled an identity theft report on identify theft.gov. I've sent a copy to Upstart, along with a copy of my ID as requested. Upstart has asked for a letter from my bank stating my account was subject to fraud ; however, my bank will not provide such a letter. It's against their policies. What they did provide, and I sent to Upstart was a paper I filled out on XX/XX/XXXX my claim of fraudulent activity when a $ XXXX check was cashed from one of my accounts. According to Upstart that was not sufficient for them the consider the loan fraudulent and they still consider the loan valid. Upstart has sent me to collections. Upstart does not acknowledge the return of the {$1000.00}. Despite filing disputes with the credit agency, Better Business Bureau and many emails and phone calls, Upstart refuses to acknowledge the loan as fraudulent. Upstart will not provide copies of any information that was provided to them for this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12
Company: EQUIFAX, INC.
State: NV
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: Problem with personal statement of dispute

Complaint:
I recently disputed a collection on my credit report for a balance that has already been satisfied. claim was pd By Landlord Mitigation Administration in the State of Washington. I have attached information from office stating claim was pd along with phone number and claim number. 

Please see below : Debt collector : XXXX XXXX XXXX  Claim # XXXX Amount : {$950.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: FIFTH THIRD FINANCIAL CORPORATION
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
In XX/XX/2020 I financed a new vehicle with Fifth Third Bank. Fifth third bank has yet to send the title to the Louisiana XXXX so I can get my car registered in the state of Louisiana. I am not able to drive my car because the temporary license plate expired.I have contacted fifth third multiple times and they keep telling me that someone named XXXX is working on my case and he gave me a call however XXXX has never give me a call.I have also reported this company to the XXXX XXXX XXXX.I purchased a vehicle in the state of Arizona Arizona is a electronica title transfer state however fifth third cant seem to get the title through electronic transfer for some reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: QuadPay
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
The company is named Quadpay and it allows you to purchase items and make installment payments which it takes from my credit card on file. I opened a Quadpay account and set up a maximum purchase balance of {$200.00} dollars. Quadpay breaks up the balance into 4 payments of which the first installment is made immediatley. Thus, {$50.00} dollars was withdrawn from my credit card associated with the Quadpay account. I only spent {$42.00} dollars of the {$200.00} and have been attempting to get get Quadpay to refund my {$8.00} dollars and stop charging me any further installment payements. They are impossible to reach as I have sent them numerous emails and opened a fraud case with them. I only receive stock responses back and I can't respond to them. I just received a notice that they are going to be taking another {$50.00} dollars from my credit card. Again, I have attempted to get them to stop charging me for money I have not spent. I am left to file a complaint with the CFPB. Quadpay is an XXXX company under. There is no customer service number to contact a human being. Please help! I have found other indviduals that have been abused by this company. I have left two reviews on XXXX warning others of this fraudulent company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
On XX/XX/XXXX an account with XXXX XXXX was open with a total amount XXXX dollars in which I didnt recognize but during this time actually from XXXX to XXXX I was going through fraud and identity theft issues with my personal bank and credit cards many card were canceled and re issued

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24
Company: LoanCare, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I had to file a complaint due to me applying for a deferment caused by covid-19 after filing the complaint Loancare placed my loan on a deferral. I received a letter on XX/XX/2020 stating loancare had spoken to me about the approval of the deferral agreement, not once have I spoken to anyone who has been handling my deferral. no one has called me nor has anyone explained the deferral to me not one person has talked to me about any dollar amounts that would be deferred on the back end of my loan. I read over the letter that was received on XX/XX/2020, loancare is trying to charge me for 4 past due payments. I have only been late 3 payments which started in XXXX, XXXX and XXXX of 2020 I have not missed any other payments. I started back paying my loan in XX/XX/2020 which I sent a letter and email as well as fax letting Loancare know I was able to resume my payments. I also filled out the paperwork that was sent to me in order to approve my deferral not once after filing the complaint and sending all my information, Loancare has not called me not once. The only calls are the calls I made to loancare speaking to representatives who could only tell me my loan was being processed and someone would contact me, that day has never came. Now loancare is trying to charge me {$15000.00} for 3 past due payments that is {$690.00} per month including taxes and insurance. My total past due 3 payments are {$690.00} times 3 missed payments is {$2000.00} so why is Loancare trying to charge me {$15000.00} on the back end of my loan? This company is a complete fraud. My documents below shows I have not spoken to anyone in that department who would have explained my deferral before mailing out a letter on XX/XX/2020 which I received on XX/XX/2020

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: EQUIFAX, INC.
State: CO
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 {$2300.00}, {$15000.00}, {$0.00}, {$0.00}, {$1900.00}, {$5200.00}, {$5200.00}. 
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 ( 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 ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1900.00} -This is not my account. 



-- COLLECTION ACCOUNTS 6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5200.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5200.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: I.C. System, Inc.
State: CO
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have sent an initial letter stating to validate the debt. They did not respond in the 30-day follow-up. I sent a second letter to validate the debt giving them a 15-day follow-up permitted by law and they have failed to respond and validate which means the debt is not valid.

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 2020-10-24
Company: Bread Financial Holdings, 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 information incorrect

Complaint:
I previously paid my XXXX account in XX/XX/XXXX and was informed that my Credit Reports would be updated to reflect that my XXXX Account was Settled, however, it is still showing the account Not Settled and Balance of over XXXX. This account was settled through XXXX XXXX XXXX in XXXX, GA and verified payment was made through my account with XXXX XXXX XXXX XXXX for {$2300.00} on XX/XX/XXXX and my account is still showing Not Settled with XXXX Comenity Bank. I have been illegally Discriminated against with these ruthless tactics by XXXXComenity Bank who sold the account to XXXX XXXX XXXX who has also collected on behalf of XXXX. Therefore, my account is not properly reflecting as settled and this is nothing more than a Bait and Switch illegal tactic utilzied and corroborated by XXXX Comenity and XXXX XXXX XXXX. My XXXX Account should be showing Settled because I was promised this would be reported to the Credit Beaurau once the account was settled. Also, XXXX Comenity Bank lied when I called them stating that the account is reflecting correctly and it is not. My balance has been paid in a Settlement Agreement and I was assured that the Account would reflect appropriately on my Credit Bureau. Other Retail Organizations also update the credit once an account has been settled, although it was sold to another entity. I have never heard of such lies being portrayed by Comenity and Bank and XXXX XXXX XXXX through their Bait and Switch Tactics. I would not have agreed to pay the account off if the Agency would not have agreed to ensure the account shows as Settled on my Credit Reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21
Company: Ditech Financial LLC
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Ditech is trying to collect on a debt that is over 13 years old. I have no idea what company this was with previously or what it is. AND its over 13 years old which means it should be erased by now. It is my understanding that debt over 10 years is generally discharged. Please correct me if Im wrong

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation