BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-22
Company: FinCo Services Inc DBA Current
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
My card is this transaction is with the company called Current whos issuing bank is XXXX XXXX XXXX. I am still trying to resolve a gas station hold of {$75.00} since XX/XX/2021. I did not even make a transaction at the pump and they still held my funds. When I try reaching out to them they only have a chat support. They do have a phone number but you can never speak to anyone, you have to leave a message.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: ERC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I sent a validation letter to Enhanced Recovery Company ( ERC ) on XX/XX/2020 and mailed it certified. I tracked the letter and noticed they received it on XX/XX/2020. 

I called ERC on XX/XX/2020 since I had not yet received a response. It is my understanding that based on the Fair Credit Reporting Act, companies have 30 days to validate debts. Again, I did not receive a response or validation. 

While speaking to a representative from ERC, the representative confirmed receipt of my original letter. ERC claimed they sent a response. When asked if they could provide proof that ERC responded and validated the debt in a timely manner, they said they could not, and only offered to send another letter. They proceeded to send " another letter '', which was dated for XX/XX/2020. 

I am requesting removal of this negative remark on all three of my credit reports. 
This request is based on the Fair Credit Reporting Act, that says companies have 30 days to investigate disputes. It is my understanding that if you can not verify the information within the 30 day time frame, you must delete all of the disputed accounts from my report. 

REFERENCE # PROVIDED BY ERC : XXXX XXXX XXXX ORIGINAL CLIENT ACCOUNT # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am requesting a security freeze for my credit fie I recently lost my wallet and ID SS card. XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX I would also like a PIN number to protect all of the credit information. I need a new copy of my Trans Union and XXXX  credit report as well too!! I believe someone have already started applying for account in my name because I have received alerts for A XXXX XXXX, I don't have any credit cards. I have a fraudulent account from XXXX XXXX XXXX # XXXX, XXXX. XXXX, XXXX # XXXX

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 2018-09-24
Company: Evergreen Financial Services Inc.
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have contacted this company several times in an effort to validate an account. I have requested that the company send me a contract with my signature binding me to the debt that they are claiming that I owe. However, the company have failed to validate the account. Other than me going up to the company in order to resolve other accounts, I would have never known I had this unverifiable account with the company. The company failed to contact me in regard to this account. In my opinion I think the company hold on to aged account in an effort to collect a higher return from interest. After researching this company, I have seen were the company overall profit has substantially increased in no time. I dont think it is fair that this company failed to communicate with me in regard to this debt, and I feel that the company is violating my consumer rights by trying to force me to own up to a debt that they have not fully validated. After I found out about this debt I requested the representative at the office to print out any copies of any documentation of any correspond that was supposedly sent to me and her response was she cant. I got the entire conversation of the representative unethical practice at this office. I feel that the company need to hire more people in the upper level other than the XXXX. Seem like this is the only person that you have to deal with because no one is in the upper level position.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: Experian Information Solutions Inc.
State: PA
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 spoke with XXXX. 


XX/XX/XXXX payment XXXX XXXX XX/XX/XXXX {$9.00} Unauthorized charges credited. {$9.00} late fee charged bringing the account to {$20.00}. 

3 credit- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX {$9.00} XXXX Charged me a late fee on unauthorized charges that were credited back to me. In addition, I was reported late to the credit bureau, the unauthorized charge of {$9.00} caused the account to have a balance. After the credits were reimbursed as unauthorized, the late fee still remained on the account causing it to show as late. Had the unauthorized charge never been charged to this account no late fee would have applied. The {$50.00} was a membership fee charged XXXX, that was due in XXXX. Payment made XX/XX/XXXX.

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 2021-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
I used part of my stimulus to pay off credit card debt and my score plummeted by 69 points on TransUnion and XXXX. I was alerted by XXXX XXXX. It's very obvious that the system does not calculate credit scores accurately. I have a 100 % record for paying timely. XXXX  is not involved with XXXX XXXX and shows the score over 600.

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 2020-09-14
Company: EQUIFAX, INC.
State: SC
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15
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: Account status incorrect

Complaint:
I am not an authorized user of any accounts. I have made multiple attempts to get them removed from my credit file. I do not share any credit accounts with anyone. Please have all 3 Credit Bureaus remove any authorized user accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
After Offering Me A Pre-Approved CareCredit Card, On XX/XX/2021, Synchrony Bank Denied Me For Not Wiling To Send Them A Photo Of Myself Which Was Never Stated In The Terms Of Pre-Approval. 
Synchrony Bank Declining Me For This Reason Which It Never Advertised As A Requirement In The Pre-Approved Offer Affected Both My Credit & FICO Score. 
This In My View Is An Unfair Business Practice.

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 2021-02-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
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 went through XXXX on XXXX XX/XX/2021 to dispute the currently three late payments from two Capital One accounts among another account. Instead they just closed the account and Capital One has declined my request however, the other has approved. All three accounts are under a credit counseling program and I have made my payments per month as agreed by Capital One. One account was agreed for {$35.00} a month, and the other was agreed for {$87.00} a month. I don't feel it's fair for the consumers to have to go back and forth with the merchants and battle the situation out with them when there's nothing to argue about, so I refuse to. The dispute with XXXX should have taken care of that. Today is the XXXX, so essentially they took no time or consideration to look at the facts or their own document they had agreed to, which I sent in along with my dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-31
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there are several inquiries on my name. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. XXXX/XXXX   XXXX {$300.00} XXXX XXXX XXXX {$21000.00} XXXX XXXX {$43000.00} XXXX XXXX XXXX {$1600.00} XXXX XXXX {$750.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On ( XX/XX/2021 ), I mailed a letter to the 3 credit bureaus to remove inquiries I didn't authorize.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: Harris & Harris, Ltd.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
Please review exhibits A-E Also Select Portfolio Servicing who has the mortgage account XXXX which is a improper loan modification agreement because it is connected with XXXX XXXX XXXX   Conventional Real Estate mortgage loan number XXXX that I had no knowledge of the refinance mortgage loan from FHA to a Conventional mortgage loan.therefore since it is in connection with fraudulent activities this loan should be suspended and with an full and forensic investigation to come to a final resolution the evidence is in black and white without question so why is it taking so long to resolve this case?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
Company: Worldwide Processing Group, LLC
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
In XXXX I entered into a payday loan with XXXX XXXX to help a family member. In XXXX the family member died and I tried to make a few payments on this loan and then it became impossible. In XX/XX/XXXX I learned of the fraudulent practices in use with XXXX XXXX and then it's subsequent shutting of it's doors. I then began receiving calls from another company called XXXX about the XXXX XXXX loan. I sent a letter to them explaining the situation and questioned the legality of the XXXX collecting etc. I received nothing in return. In XX/XX/XXXX Indiana 's Attorney General XXXX XXXX found in favor for the people who were taken advantage of by both XXXX XXXX and XXXX and the companies were made to forgive all loans issued in the same period of time as mine and repay XXXX XXXX dollars to Indiana residents who were taken advantage of. In the last 10-12 weeks I have been getting phone calls from a collection company stating it is from this XXXX XXXX loan. It is called XXXX XXXX XXXX XXXX out of XXXX XXXX NY XXXX XXXX, XXXX. They are saying I owe them XXXX and some change. They said that if I did not return calls they would notify my job, my references, etc. I called them to today and spoke to an XXXX XXXX. She became somewhat apprehensive when I began questioning her about her licensing, the facts from the Indiana Attorney General 's office, The XXXX etc. she was not mean or rude but frustrated I believe. I do not know where to turn. I am wondering if it is legitimate to start with considering all of the legal woes. I am in Indiana and not sure what I should do. Can you give me any advice? 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Opened a dispute with TransUnion and subsequently mailed supporting documentation that I had autopay on a loan with XXXX XXXX. XXXX XXXX failed to withdraw the amount and reported me as being 30 days delinquent. I then paid off the loan and XXXX XXXX never corrected the issue that I was tagged as being 30 days late that month because of them. TransUnion agreed with XXXX XXXX, contending they didn't receive my documentation. TransUnion refuses to fix my report despite having proof that XXXX XXXX acknowledged autopay was in place. I have contacted XXXX XXXX to resolve this issue and they initially said just to open a dispute with TransUnion. Since XXXX continually reports their mistake as " accurate '', they provided an email address for assistance with the issue. In short, TransUnion takes their word over evidence to the contrary. I opted to partake in the autopay program specifically to avoid such " we didn't receive your check in time '' claims.

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 2021-04-29
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
COMPLAINT ID XXXX SUBMITTED ON XX/XX/2021 The credit reporting agencies were given 30 days to produce all verifiable documents of this account on XX/XX/2021 in accordance with the statue 609 FCRA. That was 107 days ago.

And now they are wanting another 60 days??

I believe my rights are being violated in accordance to the 611 and 623 FCRA.

At this point, without verifiable evidence, the am ex account must be removed from my report immediately! It is affecting my ability to get a mortgage.

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 2020-07-04
Company: EQUIFAX, INC.
State: MD
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:
I recently mailed dispute forms to both Equifax and XXXX  about the incorrect status of my student loans. My loans appeared to be charged off or in default but they are supposed to be in forbearance, due to an ongoing class action lawsuit. I also included the proper documentation to prove this information. Instead of updating my credit score to reflect the wrongful reporting, both Equifax and XXXX  dropped my credit score further more. Equifax dropped my score 70 points while XXXX  dropped my score 13 points. XXXX  updated my credit report and deleted the faulty reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Received Credit alert that Bank of America was processing a credit card application. However I have not applied for XXXX. This is fraudulent activity.

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 2021-03-27
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: Information belongs to someone else

Complaint:
FCRA violations : Account Info Tap labels for more details Account number XXXX Account status Closed Not only hiding charge-off accounts under closed accounts see attachments for proof ( see attachments ) XXXX Original creditor : XXXX XXXX {$330.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Open account Paid off : 0 % XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$18000.00} Balance updated XX/XX/XXXX XXXX Original creditor : XXXX XXXX {$330.00} Balance updated XX/XX/XXXX XXXX

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 2020-07-07
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: Information belongs to someone else

Complaint:
XXXX XXXXDisput XXXX XXXX XXXX XXXXDispute XXXXispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXX IDispute all ftc violations sent over 45 days ago

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 2021-03-27
Company: CURO Intermediate Holdings
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Ad astra for a payday loan company ... {$2100.00} I did not take out this loan. I have contacted the collections company filed a FTC report sent my bank fraud statement to the credit bureaus about this and still is not removed. This is identity theft affecting my credit report an all bureaus.

Company response to consumer: Closed with explanation