BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-05
Company: Accudata Credit Systems LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My roommate had created damages in an apartment that we co-inhabited. I was not residing at the property at that point of time, and one day i was made aware that a collection had been placed on my credit report. I had no idea this debt was required to be paid by me until it was already added to my credit report. To not create any further issue, I paid off the collection, but I did not have any chance to dispute it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I made a purchase in XXXX using the XXXX credit card issued with Comenity Bank in XX/XX/2021. I am signed up for e-bills and have never had an issue for years. A few days ago I noticed my credit score dropped from XXXX to XXXX and checked my report. Its been reported that I missed payments to this card 3 months in a row. When I went online to the account, a warning message appeared that they are having trouble with their system and it will not allow them to send me an email to my account. The email they had on file is correct and working fine, that is how I receive all my other bills and communications. For an {$80.00} charge, they added approx {$70.00} in late fees and interest for which I paid in full immediately. I have been out of the country due to coronavirus but I never received a call, email or text message letting me know about this. They have closed my account so I can not dispute any of this. This was an IT error on their part and I just dont want my score to be negatively affected because of their system issues. They are not willing to resolve this. I have never missed a payment and would not have missed these if they sent me an email, text or tried to call me about this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: ALLY FINANCIAL INC.
State: WV
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:
Ally Auto is my lienholder for my vehicle. I totaled my cat in an accident. I am still waiting on the insurance to present payment, etc, but in the meantime I have been car shopping. I have been informed by a dealership that Ally Auto has reported me 30 days late on payments 6 times. I can only remember 1 time I was 30 days late. When I called to ask about it, they said that when they deferred my payments, the following payments were applied to interest, meaning I was 30 days late for 3 months. I am appalled that they can approve a deferment and then turn around and report late payments WHILE YOU ARE MAKING PAYMENTS because it was applied to interest! I made the payments, where it was applied should not be of issue. The dealer has also informed me that they have done this to many people. The Ally Auto representative said they are allowed to do this, but it is false reporting and a false representation. It is also affecting my ability to obtain another vehicle.

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 2021-02-16
Company: EQUIFAX, INC.
State: OH
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 have requested validation of debt several times with all 3 bureaus for alleged debt/collections on my account as well as unauthorized inquiries in my credit reports. In response they have not sent me any validation of the alleged account information as required under the FCRA, they only responded that they verified the account was mine. No proof was given other then their statement. This has caused me great personal pain and suffering as I was denied for not only personal credit accounts but also a business loan due to inaccurate and negative information being on my credit report. I have sent out disputes 3 times in 2020 and the issues are still unresolved. The last disputes I sent out was on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
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:
I recently reviewed a copy of my credit report, and after carefully going over everything on my report i noticed their were a bunch of unauthorized inquires on my report. I Sent Transunion two letters disputing the information that they are reporting. I sent my first communication to them onXX/XX/2018 I received a response from them advising me that they validated the information and to contact the creditor directly. I sent another communication on XX/XX/XXXX and received the same response. so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute.. In addition, as part of your investigation, please send names, business address and phone numbers of those who made unauthorized credit inquires so I may contact them directly. I am asking for this because my credit is being unjustly degraded because of these unauthorized inquiries. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I AM SO FURIOUS WITH DISCOVER AND XXXX CREDIT CARD. DISCOVER CARD CLOSED MY ACCOUNT WITHOUT EVEN ME BEING ABLE TO USE THE CREDIT CARD, DUE TO A " BUSINESS DECISION '' THAT WAS MADE BECAUSE THEY WERE NOT ABLE TO VERIFY MY IDENTITY. I GAVE THEM ALL NECESSARY DOCUMENTS INCLUDING MY TAXES, DRIVER LICENSE, AND SOCIAL SECURITY CARD. NOT ONLY DID THE CLOSURE OF THE ACCOUNT HURT MY CREDIT, IT PUT MY OTHER CREDIT CARDS IN DANGER AND XXXX ALSO CLOSED MY CREDIT CARD. MY XXXX CREDIT CARD LIMIT WAS XXXX AND DURING THE PAST 6 MONTHS OF USING MY CREDIT CARD RESPONSIBLY AND PAYING MORE THEN MINIMUM PAYMENT REQUIREMENTS, BEING SUCH A GOOD CUSTOMER CLOSED MY ACCOUNT FOR NO REASON, AND ALSO HURT MY CREDIT SCORE FOR THE CLOSURE OF THE ACCOUNT. i HAVE PAID OVER XXXX $ IN CREDIT CARD PAYMENTS THROUGHOUT THE 6 MONTHS IN WHICH MY ACCOUNT WAS OPENED, MULTIPLE PAYMENTS IN A MONTH, USING AND PAYING RESPONSIBILY. SO UNFAIR THAT THEY CLOSED MY CREDIT CARD BEING A GOOD CUSTOMER, PEOPLE STOP PAYING THEIR CREDIT CARDS FOR 4 5 MONTHS AND THEY DONT CLOSE THEIR ACCOUNT, YET I HAVE BEEN A GOOD CUSTOMER PAYING MULTIPLE PAYMENTS IN A MONTH AND USING RESPONSIBILY THEY CLOSED MY ACCOUNT AFTER HAVING A GOOD HISTORY WITH THEM. AND THEY DONT GIVE A LEGITIMATE REASON AS TO WHY I DESERVE TO HAVE THE ACCOUNT CLOSED, WHEN I HAVE BEEN SUCH A GOOD CUSTOMER. I AM DISAPPOINTED IN BOTH CREDIT CARD ACCOUNTS. DISCOVER DIDNT EVEN GIVE ME A CHANCE TO USE MY CARD CLOSED IT DUE TO VERIFICATION, WHEN THEY HAD ALL NECESSARY INFORMATION TO PROVE THAT I AM THE PERSON APPLYING FOR THE CREDIT CARD WITH A VALID DRIVER LICENSE, SOCIAL SECURITY CARD AND THE IRS VERIFICATION 4506 FORM.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
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:
In late XX/XX/2020 I received an invoice from Rash Curtis and Associates, a collection agency, regarding a past due medical bill in the amount of {$1800.00} dated XX/XX/2020. After receiving this first invoice I immediately contacted the company directly asking more questions and requesting documentation that would verify the vendor, along with the amount due on the bill. The Rash Curtis associate confirmed with me over the phone that I was choosing to dispute this charge and I said yes. He confirmed that verification documents would be requested from the original vendor and sent to me within a couple of weeks through the mail. The associate also mentioned that once verified if paid in full the item would not be reported to the credit bureaus. 

About 45 days passed, which included the on-set of the COVID-19 pandemic with local counties then a full state wide shut down of operations, schools, and businesses. I was directly impacted as a teacher and public employee in the XXXX XXXX. Then I received a second invoice mid XX/XX/2020 from Rash Curtis and Associates still without any verifying documentation that indicated again the amount of {$1800.00} was due. Due to the COVID pandemic I was able to quickly obtain a copy of my credit report and noticed a collection amount added from Rash Curtis and Associates in the same amount due. In a panic, despite a lack of job and financial security I immediately secured the funds to pay the {$1800.00} amount in full. 

I immediately contacted Rash Curtis and Associates to inquire about the missing verification documentation as well as the removal of this item from my credit report and was told after speaking with several parties no, they do not remove or delete reported collections. This is again after initially being told that if paid in full the amount would not be reported to any credit bureaus. This single item has had a significantly adverse effect on my credit history, potentially for years to come.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
So I had XXXX total in various bitcoin through a company called coinbase. It was hacked on the XXXX in i believe may through my unsecured email account and half of it was stolen. I still have another XXXX  of etherium in my vault which could not be hacked into because i have a very secured protonmail linked to the vault. I have frozen the account almost 2 months ago and have made sure I secured all my ends but they have not unfrozen my account and ignore my dozens of emails. I have sent them My ID plus many other self identifying records. I actually have video of myself goin g through my account and showing exzactly whats in it as I have sent that info to my cousins prasing the wealth of bitcoin. Now I have nowhere to turn ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19
Company: Santander Consumer USA Holdings Inc.
State: NV
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
In 2013 this vehicle was charged off. And I have the proof. It's only showing on two credit bureau and it should be on all three

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was shopping for a couch at Raymours and Flanigan and got approved a card to pay off the couch in 12 months with a 0 % interest. I took advantage of the promotion and paid off the couch in 7 months. Later on in the year I noticed a negative tradeline on my credit report from Raymours and Fanigans. It was and still is reporting a charge off with a balance of {$310.00}. I have kept all of my receipts and the contract of sales. I will attach said documents to the report. There you will find that I completed my obligations to the debt and this company should not be reporting this information inaccurately to the credit reporting agencies.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-16
Company: Experian Information Solutions Inc.
State: NJ
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:
Hello I have several accounts that was taken out in my name that doesn't belong to me. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, qual ast rec XXXX, XXXX XXXX XXXX, my car was never late. I was incasarated when these accounts was opened. I left my car with my daughter and she paid every month. Please help me with these companies. I contacted them but they never believed me they said that's my problem basically and to contact the credit bureau. I contacted my attorney and he showed me this site. Please help me im looking for a fresh start.

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 2021-04-22
Company: SYNCHRONY FINANCIAL
State: AL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
Synchrony Bank XXXX XXXX  was used to pay for a very large medical expense for my daughter. This with deferred interest for 12 months, then 26.99 %. I spoke to a representative who assured me that if I signed up for autopay and paperless, that a letter would come in the mail, and am email as well to warn of the upcoming deferred interest expiration. Nothing came and it triggered the Deferred Interest, charging me around {$2800.00}. I finally caught this about 2 months later ( Synchrony sends no emails XXXX. When I called them they put all blame on me, and despite what their website says, there is no Covid-related help they are willing to offer. This is flat-out predatory and specifically targeting disenfranchised population in a difficult XXXX XXXX XXXX  situation.

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 2022-02-02
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a copy of my consumer report and found a collection/chargeoff account that I didn't recognize and reported only by XXXX. I was distressed and it affect my mental and physical health. I want to take legal action about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29
Company: DIRECMANAGEMENT, INC.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In XXXX of 2014 went to the ER thinking I was going to lose my XXXX. I gave XXXX XXXX all my information including my mailing address, and insurance cards. The hospital clerk took my IDS and information and said I had no copay. I signed my patient paperwork and went to the back. Two years later I decided to check my credit score and saw this company XXXX XXXX XXXX on my credit score. I have no idea who these people are. And I need help with this problem.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-04
Company: ULRS, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was contacted by XXXX XXXX XXXX The debt was incurred in XX/XX/XXXX they are reporting it as XX/XX/XXXX Not only are they re-aging this debt, but I don ; t  know what it's for this debt is out of statute

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29
Company: CITIBANK, N.A.
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:
I have sent 2 certified letters asking all credit reporting agencies to VALIDATED ( not a verification ) this account with proof of the Certified copy of the TRUE BILL ( not a statement ) and copies of Original documents with my ( Wet Seal Signature ) on them nothing has been sent to me showing the account was VALIDATED or Original Documents showing my Wet Seal Signature with certified copies of the TRUE BILL ( not a statement or a verification ) I Now Demand these request to be placed on file that I have requested these items that have been ignored the credit agencies told me that they closed the cl as I'm stating it had nothing to do with them the account was valid I NEED THE ACCOUNT TO BE VALIDATED, WET SEAL SIGNATURE SHOWN ON ORIGINAL DOCUMENTS AND A CERTIFIED COPY OF THE TRUE BILL to be sent to me i was told it was left up to the company to send you that I never received that information that was requested and the creditor closed the case as completed and VALIDATED this creditor also needs to update the address on accounts to XXXX XXXX XXXX XXXX XXXX XXXX California XXXX ACCT. CBNA # XXXX If account can't be VALIDATED it must be removed

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 2018-01-29
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17
Company: Bread Financial Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I opened a XXXX Credit Card in XXXX XXXX to purchase two items for my children. I paid the total amount in full on XXXX XXXX, XXXX of {$270.00}. In XXXX I received a statement for {$27.00}. I paid that amount in full on XXXX XXXX, XXXX and called the XXXX Customer number to make sure they closed my account. I informed them I had shredded the card and would no longer be using it and to please be sure to closeout the account. 

In XXXX of XXXX, after receiving several suspected debt collection calls, I ran my credit. Sure enough, balance owed to XXXX. I disputed it on XXXX and on XXXX XXXX received the results which came back with a status of, " updated. '' After disputing the amount with XXXX I finally received a statement from XXXX showing a balance owed of {$91.00} ( this has now gone up to {$120.00} ). These are the first statements I have received from XXXX since the {$27.00} statement in XXXX XXXX. 

On XXXX XXXX I called the number on the back of the statement ( XXXX ) which connected me to XXXX XXXX. I explained my dispute and was given a different number for XXXX XXXX ( XXXX ). I called, was put on hold multiple times and finally spoke with someone. I was told that the {$27.00} statement sent in XXXX was late fees from the previous statement of {$270.00}. When I paid the balance in full on XXXX XXXX it was considered late as it was supposed to be paid on XXXX XXXX. I agreed, however I also paid the {$27.00} late fee amount on XXXX XXXX XXXX. After making that payment I called XXXX to close the account. I was then informed by the representative on the phone that after the {$27.00} payment there was an interest fee amount of {$9.00}. I asked for further explanation as I do n't understand how I could be charged interest after paying of the late fee amount and closing the account. I was told it was charged after making the payment of {$27.00}. I inquired further as to how I was able to call, speak to a XXXX Customer Service Representative, close my account and was never told I had a balance or how I was even allowed to close the account with a balance. The representatives response was plainly, " we will not remove these late fees you must pay in full or dispute the charge. '' I never received a statement for {$9.00} from XXXX. I was allowed to close my account and was never informed of a current balance. Had i known there was a balance of {$9.00} I would have paid it. Now {$9.00} has become {$120.00} and I truly do not feel I am at fault here.

Company response to consumer: Closed with explanation