BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-18
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I was reviewing my credit report and noticed that there are discrepancies with my credit report. Please BLOCK and DELETE the following information that is on my credit report as these are fraudulent. I have sent letters to the credit reporting companies and I have not gotten anything back from them. Please help 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 non-monetary relief
Consumer complaint received 2018-09-13
Company: BTH Management
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 receieved an email stating I owed money for a payday loan in XX/XX/2017. This happened around the same time I was moving. The day we moved was maybe about 4-5 days before the trash was to be picked up by the city. Documents were thrown away, I am assuming my information could have some how been obtained from my trash. I called the payday loan company and I was skeptical due to the lack of professionalism from the representative. I searched the company and there we two websites under the same name with slight variations in name. I didnt want to give my information over the phone at first due that I felt it was a phishing trick to get my actual information. I also work at a bank which is what stopped me from providing too much information over the phone. I sent in the affidavit and the IC3 form as well. I thought going into a physical location I would be able to get the issue rectified and I was told they work on two different systems. After visiting the location on XXXX in XXXX , OH I reached back out and heard nothing. I now have a collections item on my credit for over {$6000.00}. I believe the original amount of fraud was around {$570.00} XX/XX/17

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have not received a response to a dispute that I made under FCRA 611 ( a ) regarding an erroneous item ( s ) on my credit report. I have not received verification in the 30 day period. I sent in my dispute on XX/XX/XXXX XXXX. Today is XX/XX/2021. I still haven't received verification of the items on my credit report. Under the FCRA 611. It states that all items I disputed must be removed if I haven't received a response in 30 days.

I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request complete removal of the disputed items.

My credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I will seek legal counsel if I dont get these items to remove from my credit score. 

Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. 

Very Respectfully,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26
Company: ENCORE CAPITAL GROUP INC.
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:
XXXX XXXX XXXX XXXX 
Debt Buyer midland credit management XX/XX/XXXX Seriously past due date / assigned to attorney, collection agency, or credit grantor & apos ; s internal collection department XX/XX/XXXX {$1.00} XX/XX/XXXX 0 % Status Updated Balance Balance Updated Paid Off Monthly Payment Past Due Amount Original Balance {$1100.00} {$1100.00} Terms 1 Month Responsibility Individual Your Statement : **CONSUMER STATEMENT** ITEM IN DISPUTE BY CONSUMER Item is still on my credit report my identity was stolen and some one used my info to obtain a credit card I do no not have any knowledge of this account I tried contacting the company to let them know that for a while now it keeps reporting month after month that Im late on payments that I have no knowledge of please remove please

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: Affirm Holdings, Inc
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My checking account was debited {$15000.00} by Affirm.com through ACH. I tried contacting them to see how or why this happened and they would give me no information due to the fact that I have no account number. Affirm.com has no customer service number published and it took forever for me to get in contact with them.

Same thing happened with XXXX XXXX They ACH withdrew {$1000.00} and then another {$9000.00}. And this company has NO WAY of contacting them. No toll free number, and you can not contact through email because the only way to initiate contact is if you have an account number. This should be illegal if they are a lending institute, you should be able to contact a customer service number for help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: Convergent Resources, Inc.
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:
This debt is not mine. I never had any contract with this company. Have reached out several times to have this remove from my file. They never sent in documentation or contract when asked for proof. This is causing me damages and will litigate if necessary.

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 2019-09-13
Company: Simon's Agency, 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: Information belongs to someone else

Complaint:
On XXXX I found an error on my credit report from Simons Agency in XXXX, New York. It was for {$150.00} and when I called they explained that they were a collection agency who was handling a balance due on an Ambulance ride for another member of the household. I was surprised to learn that the amount due was sent to the collection agency in my name, especially since I received no bills or notices ( or personal contact ) that the account was being turned over for collection. After speaking to Simons they told me the bill was generated from XXXX XXXX XXXX. I phoned XXXX XXXX and they confirmed that the service was not for me. They said that a second party handles all their billing and referred me to XXXX XXXX at XXXX. They also confirmed that the service and billing should not have been made in my name and it was an error. They couldn't explain why the bill was generated in my name and sent to collections in my name but said it was erroneous and shouldn't have happened. I asked how I would get this removed from my credit report and she said that they would take care of updating the credit report and it would probably take a week. I didn't know if this was true so I am submitting this complaint on my behalf to ensure that they do remove this mistaken reporting from my credit record. I was more than willing to cover the balance due and paid XXXX XXXX XXXX directly. Thank you for your assistance in clearing this erroneous report on my credit record. XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
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: Information belongs to someone else

Complaint:
It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my Equifax, XXXX, XXXX XXXX reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: EdFinancial Services
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
EdFinancials has supposedly moved to a new portal and requires all borrowers to create a new account. Interest starts accruing today ( XX/XX/23 ) but I still haven't gotten a new account login. EdFinancials advised not to make any payment UNTIL the transfer is complete. 

It is unfair that I will be getting interest accrued without the ability to sign up for an account or make payments for it. Their way of handling this situation is very unprofessional, and unethical. 

I've emailed them, called them, and filed complaints on Studentaid.gov to shed light on this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX5 USC 168. 

Tracking Numbers- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Name XXXXXXXX XXXX Account Number - XXXX  Account Name - XXXX XXXX Account Number - XXXX Account Name - USAA SVGS BK Account Number XXXX, has violated my rights. 

XXXX Account Name - XXXXXXXX XXXX Account Number XXXX Account Name - XXXX XXXX Account Number XXXX, has violated my rights. 

XXXX Account Name - XXXX XXXX  Account Number - XXXX Account Name - USAA SVGS BK Account Number - XXXX, has violated my rights. 

15 USC 1681 section 602 A. States I have the right to privacy. 15 USC 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish any account without my written consent. 

15 USC 1681c. ( a ) ( 5 ) Section States : no, consumer reporting agency can make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: GreenSky, LLC
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Requested enter detailed information for pre-qualification. Told I am approved for up to {$7500.00}. Gave me a link to finalize application and offered me simply {$1000.00}. Asked how such a MAJOR discrepancy can occur. Offered no value explanation. Problem is final decision was based on same information as pre-qualification. Yet gjve two dramatically different credit approval amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with fair Credit Reporting act XXXX XXXX account has violated my rights. 15 USC 1681 Section 602 states i have the right to privacy. 15 USC 1681 Section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666b : a creditor may not treat a payment on a loan under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23
Company: Affirm Holdings, Inc
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I've had over 4 loans with Affirm since XXXX. XXXX, Affirm had website issues and was done after they resume service I then started having issue receiving text code to email. They corrected that and I was able to login ect ... My final loan, I had small issue saying unable to verify identity, that was the 2nd time it happened the 1st time ticket was escalated and resolved. I received and email message from Affirm stating suspicious activity contact to confirm identity. I contacted Affirm and explain to customer service 3 separate times and they each escalated a ticket. I did have a current loan out and there was no other activity on my account but the one open. 

Then an hour later I get an email that my account was closed and I contacted Affirm spoke with a supervisor and she placed me on hold several times I guess trying to review the account not sure and she came back to advise me it was closed and she was unable to reopen it. Affirm closed the account for no valid reason. I have had over 4 loans with Affirm and paid all loans off before the final date. 

They had no valid reason to close it, they could not correct their wrong and so they pass the buck to the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: CITIBANK, N.A.
State: ME
Product: Credit 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:
Have had this credit card for approximately 30 years and the service was fine until last XXXX od 2022. Since that time I have had several fraudulent charges and trying to resolve is nearly impossible. I am XXXX XXXX XXXX with XXXX XXXX XXXX and the customer service system that Citi uses is horrendous, As a retired AT & T manager I did some investigation and Citi uses XXXX  with VOIP for its customer service system and its quality of transmission is extremely poor. Trying to settle the problems is nearly impossible and even after sending several emails and letters there is still outstanding problems. 
Since XX/XX/2022 I have had more than a half dozen fraudulent charges, new cards issued and nothing significant has been done to solve the customer complaints. Their customer service is terrible and some charged have taken over 6 months to resolve. New cards only create significant problems for the customer to inform all the various companies the cards are used for. 
The need is two fold, an improved customer service and why so many fraudulent charges? I have been a good customer all these years and am being treated poorly. I expect better.

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 2019-12-28
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/XXXX I received two emails from Citlibank informing me they reduced my credit limit on two cards I have with them by a significant amount. My Citi Rewards card limit was reduced from {$6500.00} to {$1900.00} and my Citi Double card limit was reduced from {$6300.00} to {$1800.00}. These accounts are between 3-4 years old and have always been in good standing with payments made every month on time. 

Recent payments I made on these cards on XX/XX/XXXX of {$4300.00} and {$4200.00} respectively reduced my credit utilization on these cards to below 30 % which would improve my credit score. Now that Citibank has decreased my limits it raises my utilization on those cards to over 95 % which hurts my credit score. My recent large payments to them constituted 66 % of a 0 % balance transfer promotional offer made months ago that was effective through XX/XX/XXXX and XX/XX/XXXX. I was on target to pay the entire balances off long before the promotional rates expire. You would think this would be a plus, not a minus. 

I called Citibank to ask why they reduced my limits and they would only tell me there was something on my XX/XX/XXXX XXXX report regarding balances I had with two other creditors. They would not give more specific reasons why they did this or which two other creditors they were referring to. They told me to call XXXX and ask them why, which I did, and XXXX could find nothing whatsoever derogatory on my XX/XX/XXXX credit report that would explain why Citibank took this action. All my payments to all my creditors have been made and on time. 

I have been in process of improving my credit score for several weeks. Citibank lowering my credit limits will cause my score to decrease while I am earnestly making efforts to increase my score. I am worried my other credit card companies will now follow suit, lowering my credit limits, and that my credit score will keep decreasing instead of increasing. I would think Citibank has to give me a reason for their actions and give me an opportunity to appeal their decision as I see no valid reason for them to do this. If I had only made the minimum payments on these cards at 0 % interest they would not have been legally permitted to lower my credit limits and charge me over limit fees, so by me making large payments and them subsequently reducing my credit limits it seems they are punishing me. This does not seem right.

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 2023-08-19
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 have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

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 2019-12-28
Company: Trojan Professional Services, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am lodging a formal complaint against Trojan professional. This debt collector has reported derogatory information on my 2 credit reports. XXXX and XXXX for a debt in the amount of {$110.00}. I have never received anything from Trojan in the mail or by phone. I never received a dunning notice which gives me 30 days to dispute validity. That's a violation of the fdcpa/fcra. In addition I have sent Trojan numerous debt validation requests,. And they ignore me. I do not owe Trojan {$110.00} and I am requesting Trojan to delete this account from my credit reports. I am in the process of purchasing my very first home for my family and I. This errounous account is holding me back. Thank you for your time!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-10
Company: GOLDMAN SACHS BANK USA
State: LA
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: Card was charged for something you did not purchase with the card

Complaint:
On XXXX I noticed a charge for {$1000.00} at XXXX XXXX XXXXXXXX. I disputed the charge with Apple Card by Goldman Sachs Bank. They asked me to provide some proof that I was not in Florida. I sent them credit card transactions of purchases that I made with others credit cards in the XXXX XXXX XXXX area at there request. The GS customer support said that should take care it. It did not, then I asked for the evidence that was used as proof that I stayed at that XXXX. I was provided with a false LA drivers license that does not match my DOB or drivers license number or photo. As a GS BANK customer they use my DOB to verify me over the phone and fake ID has a different DOB. To me that should have proved I did not make the transaction. I also sent them a copy of my drivers and US passport ID card with photo to show the photos do not remotely match the photos of the fraudsters at the XXXX. GS Bank has yet to credit my account or resolve this case when they are not even matching the DOB and Drivers numbers to there own know your customer policy and Patriot Act standards. I have Bank accounts with them as well and they have my drivers license number and DOB as requirement to open the account. I would appreciate any help with getting this issue resolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-08
Company: SYNCHRONY FINANCIAL
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 is a FRAUDULENT ACCOUNT reporting on my credit report with a {$250.00} balance. THIS IS NOT MINE!!!! I have NEVER had a XXXX credit card with Synchrony Bank. I DEMAND this account be closed, reported as fraud, and removed from ALL XXXX credit bureaus.

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