BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-21
Company: CURO Intermediate Holdings
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
From : XXXX XXXX XXXX Date : XX/XX/2019 at XXXX XXXX XXXX To : " XXXX '' XXXX Subject : DOCKET NUMBER XXXX No mention of my name or account or my actual email address. Below is the complete message.

Message : CREDITOR : SPEEDY CAXXXX XXXXE Total Due Balance : {$760.00} ATTENTION : This Legal Proceedings issued on your Docket Number XXXX with one of SPEEDY CASH SERVICE. Company in order to notify you that after making calls to you on your phone number we were not able to get hold of you. So the accounts department of SPEEDY CASH SERVICE has  decided to mark this case as a flat refusal and press legal charges against you. 

We want to resolve this matter as quickly as possible and avoid further action, so we are proposing the following settlement offer : We have sent you this warning notification about legal proceedings but you failed to respond on time now its high time if you failed to respond in next 24 HOURS we will register this case in court. Consider this as a final warning. And we will be Emailing/ Fax this issue to your current employer to make sure they take strict against you. Your salary wages will be garnished. 

Do revert back if you want to get rid of these legal consequences and make a payment today or else we would be proceeding legally against you. And we apologies that this notification will also sent to your current employer. The opportunity to take care of this voluntary is quickly coming to an end. We would hate for you to lose the option of resolving this before it goes to the next step which is a Lawsuit against you, but to do so you must take immediate action. 

You can Email back to get the payment mode too. 

Upon receipt and clearance of your payments as agreed, we will notify our client to update its records accordingly regarding this settlement. 

WE MAY REPORT INFORMATION ABOUT YOUR ACCOUNT TO CREDIT BUREAUS. LATE PAYMENTS, MISSED PAYMENTS, OR OTHER DEFAULTS ON YOUR ACCOUNT MAY BE REFLECTED IN YOUR CREDIT REPORT. 

TERMS & CONDITIONS YOU AGREED.

By electronically signing this Loan Agreement by clicking the " I AGREE '' button below, you are confirming that you have agreed to the terms and conditions of the Consent and that you have downloaded or printed a copy of this Consent for your records.

IF YOU WANT TO RESOLVE CASE OUTSIDE OF COURT THEN CONTACT TO ATTORNEY : XXXX : XXXX Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23
Company: ENCORE CAPITAL GROUP INC.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed.  This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-05
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I started a mortgage process and got a copy of my FICO report, then I was able to see that an account that is not mine was added to my credit report, from them I have disputed this account within the 3 bureau credit offices, also have reported to the Bank which the fraud account has been set but it is still under investigation from XX/XX/2021 but haven't received final resolution. 
I have never used this bank for any loan and they say that the information is accurate, similar response I got from 2 of the Credit Companies which is false and it's impacting my ratio debt and credit score, increasing my level of stress handling this 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 2019-03-13
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
In re account : XXXX XXXX XXXX XXXX Enclosed you will find two checks : one in the amount of {$92.00} ( the original XXXX XXXX XXXX  purchase ) and the other for {$160.00} for fraudulent and usurious charges related to the incompetence of XXXX XXXX XXXX and Synchrony Bank.

Under protest, these checks satisfy the unprofessional and incompetent actions of all parties.

To review the events leading up to this incredible circumstances : 1. I purchased {$92.00} worth of merchandise at the XXXX XXXX store in XXXX XXXX XXXX OH in XX/XX/XXXX.

2. At checkout, the clerk asked if I would like to have an XXXX XXXX   credit card since it would give me a discount on the days purchases.

3. I agreed and the XXXX XXXX  clerk filled out the application on her computer. That apparently included my address in Florida, and I included my condominium unit number. Without the unit number, the Postal Service can not /will not deliver mail. Apparently the XXXX XXXX XXXX   clerk failed to enter the entire address.

4. At some point in the XXXX XXXX/Synchrony Bank billing process, there was a failure to include my condominium unit number ( see attached bill and highlights ) 5. Due to XXXX XXXX/Synchrony Bank failure to include the condominium unit number, the Postal Service did not/could not deliver the bills from XXXX XXXX.

6. Consequently, I could not pay bills that I never received.

7. Beginning in XX/XX/XXXX I began to receive calls from XXXX XXXX XXXX XXXX. that I had an outstanding balance due Synchrony Bank.

8. I immediately called Synchrony bank ( a singularly frustrating process in itself ) and was told that there were no outstanding charges with Synchrony Bank. Synchrony Bank could not/did not identify their relationship with the XXXX XXXX credit at that time.

9. At that time I assumed this was another internet scam and did not respond to XXXX.

10. Subsequently, in XX/XX/XXXX I received another call from XXXX   about a past due amount that had been turn over for collection. I again called Synchrony Bank and this time was told this was related to unpaid XXXX XXXX  charges.

11. I sent a letter on XX/XX/XXXX ( copy attached ) to XXXX XXXX  outlining the issues and requesting confirmation of the bills. I received these on XX/XX/XXXX. As you can clearly see from the billings, there is and was no apartment or unit number on the bills the result of which is that I never received the bills. Once again I called Synchrony Bank and talked with an offshore representative ( in XXXX ) and he indicated that he could do nothing since Synchrony Bank had turned the account over for collection. A clear error in business practices on the part of XXXX XXXX and/or Synchrony Bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-12
Company: Experian Information Solutions 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:
XXXX XXXX XXXX reported a charge off account when payment was made before the normal 120 days of charge off.
I submitted details of payments and a bank statement for payment that was not credited and resulted in the charge off XXXX XXXX refuse to recognize their mistake.

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 2021-11-08
Company: EQUIFAX, INC.
State: DE
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:
Im stressed and cant believe Over 90 days ago I sent letters about an investigation into items that were INNACCURATE, Unverifiable and Invalidated. To this day I have not received a reply or my investigation results or any acknowledgment that an investigation has begun not even on my credit reports.I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30
Company: Mercedes Benz Financial Services
State: CA
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:
Dear Sir or Ma'am, Please cfpb Identification numberXXXX of XX/XX/XXXX did not address $ XXXX.of 4 payments submitted after XX/XX/XXXX being applied based on history of my payment summary provided from Mercedes Benz Financial of XXXX Texas . 
Also Requesting charge off be removed contract was paid. 
I would like to provided a corrected summary of payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30
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:
IM A VICTIM OF ID THEFT, THERE ARE SEVERAL ITEMS ON MY REPORTS THAT IS NOT MINE OR I HAVE ANY KNOWLEDGE OF, I HAVE MY POLICE REPORT SENT IN ALONG WITH MY COMPLIANT FILE, PLEASE REMOVE IT ASAP ... ITS AFFECTING MY CREDIT. I CAN BE REACH AT XXXX ( CELL ) I CAN BE REACH AT ANYTIME ..POLICE REPORT NUMBER # XXXX XXXX ALSO SENT HARD CARD OF POLICE REPORT TO CREDIT COMPANY

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I was approved for Maryland Unemployment in connection with being out of work due to COVID-19. I filed for Unemployment with Maryland 's Dept of Labor back in XX/XX/2020 and needed to go through Extensive identity and wages verification. I was mailed a Bank of America Prepaid Debit Card where my COVID-19 Unemployment was to be sent to. When I went to activate the card, I was unable to activate it. I called Bank of America and was told that I needed to contact Maryland Unemployment. I contacted Maryland Unemployment and was told that my benefits were reinstated after I passed the identity verification. True copies of the documents that I received in the mail from Maryland Unemployment are attached to this Complaint which explicitly states that the funds on the B of A Prepaid Card ending in XXXX would be unfrozen within 3 to 4 business days from XX/XX/2020. As of the date of this Complaint, the funds are still frozen. 

I've contacted Bank of America numerous times and have been given no information regarding this issue besides a letter that I received in the mail telling me that my card was being frozen due to some kind of investigation. This occurred even though Maryland Unemployment sent me the notice attached to this Complaint stating that after their formal and official investigation, my identity was verified. 

True copies of my Passport, Birth Certificate, and Front and Back of my Social Security Card are attached to this Complaint for whatever identity verification purposes that the Complainant may deem 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 non-monetary relief
Consumer complaint received 2020-09-08
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Didn't receive enough information to validate debt First I dont have to write an explanation demonstrating any errors on my credit reports. Second your send a copy of a letter from XXXX XXXX  where says the acccount is sold to Midland Credit Managment the document that you sent me does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation.

I want you cease and desist all collection activity from this account. Because I dont want Midland Credit Managment report invalidated information to major credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04
Company: Experian Information Solutions Inc.
State: CA
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:
XX/XX/2018 we applied for a mortgage. I noticed a collection on my credit report I've never seen before. I was told to contact the collection agency XXXX XXXX and consulting to verify what the collection was. I called the agency to ask for any information to prove I am the owner of the debt they are reporting. They stated there was no information to give me and nothing was sent stating they were attempting to collect. We haven't received any letters or phone calls. The company still hasn't sent any verifications or validations that I owe the debt. I disputed this debt three times with the Experian Credit Bureau. They stated it was confirmed by the Collection agency not by giving any form of paperwork where I signed or applied for the debt but by pressing a button on the computer stating it is mine. The credit bureaus states they do not require any of their customers to provide proof the debt is owed but that they agree to only report correct info. We filed a police report to have the matter investigated and sent the police report to Experian to have it removed. Experian has yet to remove this fraudulent info from credit report. This is definitely against the law and am lost on what to do next. The debt is fraudulent and Experian will not remove the debt from my report as they should per federal law. The debt appears to be from a hotel I've never visited in a state I've never been. Experian first stated to get a police report to have the info removed. Then I was told Saturday XX/XX/2018 to upload the email from the police department. Once the the email was uploaded twice I called back Monday XX/XX/2018 to have the collection removed. Now they're stating I need to file the report in Texas not California. I live in California why do I need to file a report in a state I do not live. CFPB please help with this matter.

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 2019-08-21
Company: TRANSUNION INTERMEDIATE 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: Information belongs to someone else

Complaint:
No entity may include in a consumer report any adverse information deficient of physically verified validity of truth accuracy and completeness and compliance to METRO2 SO PROVE NOW OR DELETE THE CLAIM XXXX XXXX  XXXX, XXXX XXXX   XXXX, XXXX XXXX XXXX XXXX, US DEP ED XXXX, US DEP ED XXXX XXXX US DEP ED XXXX , US DEP ED XXXX, XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX, US DEP ED XXXX, US DEP ED XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX  XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, US DEP ED 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 2020-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE ARE ACCOUNTS THAT IS NOT MINE APPEARING ON MY REPORTING. I HAVE FILED SEVERAL COMPLAINTS ON YOUR BUREAU FOR DEADLINE VIOLATIONS WITH THE CFPB ( CONSUMER FINANCIAL PROTECTION BUREAU ). I HAVE ALSO ATTACHED MY IDENTITY THEFT POLICE REPORT REGARDING THIS ACCOUNT. 

I NEED THE VIOLATION OF THE FCRA ADDRESSED AS MY XXXX DATED DISPUTE LETTER WAS SENT CERTIFIED MAIL BUT WAS NEVER RESPONDED TO IN THE FORM OF AN INVESTIGATIVE RESULTS REPORT. THE ACCOUNT LISTED BELOW WAS IN THAT DISPUTE, BY VIOLATING THE ABOVE DEADLINE DATE OF XX/XX/XXXX20, WHICH IS INDEFENSIBLE, YOU ARE COMPELLED TO DELETE THE BELOW LISTED ACCOUNTS IN ADDITION TO THE IDENTITY THEFT POLICE REPORT THAT I HAVE SENT ON 2 PREVIOUS DISPUTE LETTERS. 
IN MY DISPUTE LETTER FILED THROUGH THE CFPB, ID COMPLAINT # XXXX I CLEARLY DISPUTED THE BELOW ACCOUNTS, BUT TO DATE I HAVE NOT RECEIVED ANY INVESTIGATIVE RESULTS REPORT OTHER THAN THE XX/XX/XXXX20 XXXX DELAY TACTIC 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 2018-03-30
Company: WELLS FARGO & COMPANY
State: AZ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
This is the second complaint I have filed about Wells Fargo 's online banking system. I use Wells Fargo only to pay my private student loans. Their online system will not allow you to schedule a payment for a future date. I believe this system was created with the intention of keeping people in debt for longer than necessary. No other online banking or loan system that I use prohibits customers from scheduling payments in advance. 

The last time I complained, my online account - which again, I only use to pay my student loans - showed a record of someone applying to refinance a mortgage online via my name. I did not do this. I called and asked for more information about how to protect myself from fraud, but was told to just change my online user name. Their fraud department did not take this seriously and said they could not see the transaction on their end. I am still fearful that my account has been used for fraudulent purposes.

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 2019-03-13
Company: PNC Bank N.A.
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:
This account on my credit file are being reported wrong. I am challenging the reporting and compliance of this account. Section 609 of the fair credit reporting act state that all accounts must be 100 % accurate, 100 verifiable, and 100 % complete. This is not the case here. The way this is being reported on my credit report from the creditor/furnisher is a violation of my rights and hurts my credit. 

The account number is incomplete, date open incorrect on 3 different bureaus, the terms are stated incorrect ( shows 1 month ), High balance is missing, still reporting although it states charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: Radius Global Solutions LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/2021 I recieved a letter in the mail dated for. XX/XX/2021 stating an owed debt of {$620.00} from Radius Global Solutions, a third- party debt collector for XXXX XXXX XXXX ( USA ). The debt was previously settled with XXXX XXXX XXXX ( USA ) on XX/XX/2021 and was cleared as PAID, therefore it is illegal that this company pursue any further action to collect debts. Radius Global Solutions was contacted via phone to resolve the debt which was paid to XXXX  XXXX XXXX  ( USA ) on XXXX XXXX. The debt collector was not willing to remove without first verifying address, social security number, and birthdate. All 3 things required to be verified in order to apply to the credit report. I also asked if they could let me know if it could actually be resolved by showing the debt was paid the supervisor I spoke with replied with, '' I can't say unless you verify the remaining information ''. Once again this debt shows as paid to XXXX XXXX XXXX ( USA ) on my credit report. 

A fourth party creditor, XXXX XXXX XXXX, to a 3rd party creditor XXXX XXXX XXXX is also attempting to collect a debt from the original creditor XXXX XXXX XXXX ( USA ) for a balance of {$330.00}. The debt was settled with the original creditor and once again this is an illlegal practice to sell a debt which is no longer owed. I'm requesting that the debt collection be withdrawn due to the illegal and unethical practices being taken.

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 2019-03-13
Company: AES/PHEAA
State: CA
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:
I am on the Public Student Loan Forgiveness Plan, and using the Pay As You Earn option so my payments qualify. XXXX is my servicer. I have three main issues : 1. I have to manually enter all my payments to specific loans, otherwise the loan company applies my payment only to the lowest interest loans, thus making it so my loans will NEVER be paid in full, no matter how many payments I make. This seems illegal. 
2. I had to re certify my payment plan and PSLF a few weeks ago, and my payment has gone up over {$200.00} per month. They are saying it has to do with our XXXX going up, as well as my husband 's student loans being paid down by the XXXX. I spoke to a representative to see about options on XX/XX/XXXX, and even though I did NOT approve it, I had a letter stating that my loans were placed in forbearance on XX/XX/XXXX. I don't know how they are allowed to do this without my consent, but they did. 
3. I have been in the public sector since XXXX, yet XXXX is saying I only have 19 payments so far. I've asked them and they're answer is partially because some of my payments didn't qualify because I was on the wrong payment plan, and that the payments under my current employer aren't counted until I have an end date. I had said numerous times that I was in the public sector, but was never informed that my payments would not qualify on the old payment plan.

Company response to consumer: Closed with non-monetary relief