BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-06
Company: World Acceptance Corporation
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
I have renewed several loans with World Finance and have always had job loss insurance protection. On XX/XX/2014 I had a mutual agreement to leave the company. I went to the finance company to fill out the job loss papers. I was told I was not eligible unless I was receiving unemployment but because of what the company told unemployment I was disqualified for 20 weeks which was the length I could draw. I was contacted by one collection company and so I sent them the job loss application. Last month i was contacted by another collection company which I will forward them the same papers. Since I lost my job back in XX/XX/2014 I have moved to XXXX, SC and a lot of my papers were thrown out because I had my son getting my things from XXXX XXXX, SC. My new mailing address is XXXX XXXX XXXX, XXXX XXXX, SC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06
Company: SYNCHRONY FINANCIAL
State: VA
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 had a Synchrony/Belk account from XX/XX/XXXX that went into charge off. I called and was told to pay a collection agency. I did that, and the account was updated to paid on my reports. 4 months ago, the status was changed to bad debt/placed for collections and now looks open and unresolved as of 4 months ago instead of XX/XX/XXXX. I have contacted XXXX and Synchrony/Belk for resolution and was told i could only file a dispute and wait 30 days for something that was changed incorrectly and is now hurting my reports when it was resolved and done years 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 2017-12-12
Company: CL Holdings LLC
State: LA
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 received a letter from XXXX XXXX XXXX stating an attempt to collect a debt of {$230.00} for original creditor XXXX XXXX XXXX XXXX account ending XXXX. Please be advised this is not a refusal to pay a debt, but a notice pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. 

I recently lost My XXXX Reference Number I 'm sure you can find out information by just using my name and XXXX account number. 

I have no knowledge of this account. I request that you please verify the following information to assist identifying whether this debt is valid : 1. Full original account number 2. Date original account opened 3. Any written agreement ( s ) between myself and the original creditor stating I agreed to pay alleged debt 3. Consumer address at which original account was opened 4. Date of first delinquency 5. Itemized calculation of alleged debt If XXXX XXXX XXXX is unable to provide the above identifying account information I will have no recourse but to presume the debt invalid and/or fraudulent and request account deletion from all credit reporting agencies without further discussion of payment in full or partial settlement. 

This is my attempt to verify the validity of this alleged debt and I appreciate your transparency and cooperation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-11
Company: EQUIFAX, 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts and items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Credit Reporting Agencies are required by law to remove & block any accounts and information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for the Credit Burueaus and the bank 's records ( learned through more research both parties require ). Please remove these files as they were the results of Identit Theft : XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX  XXXX XXXX Balance - Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance {$1000.00} Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} Date opened XX/XX/XXXX. If the Credit Bureaus feel there is a possibility these information belong to me I will require all documentation that bears my signature ( another research item I found that requires the Credit Bureaus to verify with 100 % accuracy that each itms is 100 % true, accurate, correct, complete & VERIFIABLE ). If the Credit Reporting Agencies do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Equifax incorrectly reported that the "Current Status" of our XXXX XXXX account was "120+ DAYS PAST DUE" despite being told by us and XXXX XXXX  that it was "Paid and Closed."  This incorrect reporting that went on uncorrected for years caused irreparable harm, including being denied loans and being required to pay higher interest rates for loans and credit that was approved.  Equifax has refused to respond to our XX/XX/XXXX 2017 letter seeking a settlement.  Prior to filing suit, we are reporting this to the CFPB in hopes that your agency may assist with getting a response and settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: Continental Finance Company, LLC
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 information incorrect

Complaint:
Closed credit account for Continental Finance shows multiple payment reporting inaccuracies, per the FCRA all reporting must be accurate among all three bureaus. We have found the following discrepancies while reviewing our three bureau report. 

Account reported as 30 days late on XXXXXXXX XXXX XXXX on XXXX and XXXX, but not reported at all on XXXX. 

Account reported as 30 days late on in XX/XX/2022 on XXXX but reported as on time by XXXX and XXXX. 

The reporting is incorrect and violates my fair reporting protection.

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 2017-12-12
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I recently was reviewing my credit report and have realized that since my bankruptcy was finalized in XXXX of 2011, my monthly mortgage payments are not reported on my credit report. I have been on time with every monthly payment but none of the payment are represented on my credit reports, which has dramatically effected my credit score. I have contact my mortgage company in regards to all my payments not showing up on my credit report and they have reported there is nothing that can be done on their part to fix this issue. Since, 2011 my mortgage company has changed ownership several times which I 'm sure has something to do with this issue. Since, mortgage payments have the largest effect on your credit report, this makes it extremely difficult to repair my credit score. Thanks for your help!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: ENOVA INTERNATIONAL, INC.
State: FL
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:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1969 ADDRESS XXXX XXXX XXXX XXXX, XXXX , FL XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXX  XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1969 ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts and items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Credit Reporting Agencies are required by law to remove & block any accounts and information which is found to be opened due to identity theft. The dispute items do not belong to me. XXXX attaching the required FTC Report for the XXXX XXXX and the bank 's records ( learned through more research both parties require ). Please remove these files as they were the results of Identit Theft : XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX  XXXX XXXX Balance - Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance {$1000.00} Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} Date opened XX/XX/XXXX. If the Credit Bureaus feel there is a possibility these information belong to me I will require all documentation that bears my signature ( another research item I found that requires the Credit Bureaus to verify with 100 % accuracy that each itms is 100 % true, accurate, correct, complete & VERIFIABLE ). If the Credit Reporting Agencies do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly.

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 2023-09-06
Company: Upgrade, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
On XX/XX/2023 I asked XXXX XXXX XXXX to please provide me with validation notice with all original documents with my Wet signature which to date I never recieved. 
On XX/XX/2023 I asked XXXX XXXX XXXX to please cease and desist all calls and contact with me XXXX XXXX for I don't confirm or acknowledge this debt for which to date they continue to call, text and email my self and family members using treating language. 
Also on XX/XX/2023 the balance owed showed {$3200.00} and on XX/XX/2023 the balance showes {$4500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
on XX/XX/XXXX I made two check deposits both checks where for the same amount but diffrent dates and check numbers, On XX/XX/XXXX Bank said they where duplicates so they took out funds in the amount of check and returned check by mail, Bank manager noticed they where not duplicates and resubmitted the check on XX/XX/XXXX. On XX/XX/XXXX the Bank took out the amount of the check deposited on XX/XX/XXXX the check they said was a duclicate, they toook the amount of the check because they said they gave me credit for the duplicate check when my account clearly shows it was deducted back on XX/XX/XXXX. Now the bank refuses to return my amount of the check {$1500.00} that was taken out 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 2023-03-10
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
Comenitycapital/XXXX bank did an unauthorized hard credit inquiry on XX/XX/23. I received a letter dated XX/XX/23 denying me credit I did not ask for. XXXX XXXX XXXX XXXX. XXXX XXXX. CA. XXXX ph # XXXX XXXX I called could not get past automated responses. Contacted bank by phone they kept asking for an account XXXX after explaining why I was calling was finally told they couldnt help me. This has brought my credit score down. I also found that they did this last year. Credit agencies said I had to dispute this through the bank. Now Im here please help me resolve this. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13
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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2019-04-06
Company: HEARTLAND PAYMENT SYSTEMS INC
State: MA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Good morning, I get into the XXXX XXXX  class program enrollment at XXXX XXXX through my SSN. 

the XXXX XXXX XXXX 0 % APR program, XXXX XXXX XXXX I don't know exactly amount what I get the student loan, and the next day I get approved, I do the ACH payment each month XXXX. 

on this year, I think the I am under the {$3300.00} what they advertised on their website, but this year XXXX I have payed over {$3300.00}, so I call them, they said I have over {$4000.00}, and I need pay extra {$1300.00} around. they don't applied my student discount, and give me the full maximum payment, and I don't know why they do that. 

Those couple of days, they said the XXXX billing department, I think is XXXX XXXX on XXXX XXXX, IL. they said they don't have my ACH account, and I have another Loan under my name at XXXX XXXX, which is two month ago. 

I never have multiple loan with them, they have the potential student loan fraud. I ask them about the tax document last year, they can't provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06
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: Account information incorrect

Complaint:
Experian reports that the mortgage loan is a student loan, and it is not. 
I don't have any student loans.

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 2023-02-03
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX Balance : {$0.00} ; XXXXXXXX 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 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 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 XXXXXX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2019-04-05
Company: HUNTINGTON NATIONAL BANK, THE
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Huntington bank has refused to close my account in good standing after I withdrew all my money. The problem has gone on so long that I was charged a fee and my account became delinquent. Today I left work early to go to a branch and pay this unfair fee, however they can not close the account until the check clears ( which is fine ). They have no branches open evenings or Sundays and I will be unable to return to a branch before the next fee is due. I need some way, mail, online, or on the phone, to close my account. I have never had a bank refuse to close my account and charge me a monthly fee while they make the process unreasonably lengthy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: EQUIFAX, INC.
State: NC
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:
I sent a letter to Equifax, XXXX  and XXXX  on XX/XX/2020 about inaccurate and unverifiable items on my credit report. It has been over 5 months and I have not received a response from anyone. I feel like my dispute letters are being ignored and that it does not matter and that I am being taken advantage of. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 150 days, these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for a mortgage and this is preventing me from doing so.

Company response to consumer: Closed with explanation