BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-22
Company: I.C. System, Inc.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am not aware of this company, ( I.C. System Inc. ), nor have I ever been in any contract or agreements with said company. I have never had communications, written or verbal, with said company. Any account open is not valid.

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 2018-04-20
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-02
Company: Navient Solutions, LLC.
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:
Navient is continuing to stick by the lie that they attempted to notify me about my deferment and forbearance periods ending. 
They never did, until my loan was almost in default. Then of course I responded immediately, as I would have if they actually would have attempted to contact me in any way, shape, or form. I believe they deliberately denied me information and avoided contacting me as long as possible to maximize the amount of interest on my loans.I had the same loans previously with Sallie Mae, XXXX, XXXX  XXXX XXXX XXXX, and XXXX/ XXXX  XXXX XXXX and never once had a problem with a late payment or communication issue. It is only when my loan was transferred to Navient that I began to have problems. Not a single phone call, automated or not, to me until I was almost 180 days past due, when I know I should have been in forbearance or had a XXXX  payment due to my income based repayment plan. Seriously if Navient the only option available to you, it is best to flip burgers. You'll likely come out ahead in the end, read any other complaint listed here or just search for news articles about them on the internet. They are not difficult to find.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03
Company: ENCORE CAPITAL GROUP INC.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I have notifed Midland Funding LLC that I am not liable for a Balance of {$900.00} that is being reported to  XXXX ,  XXXX , and  XXXX . Midlands Funding has failed to provide Validation of the debt, that proves that I have a signed contract with them.
I notified them that I have exempt funds in the form or Social security Benefits and   XXXX   Veteran Benefits. Continuing to harasses and make attempts to collect this debt are against the law. I demand that Midlands Funding LLC discontinue collection efforts and delete all accounts that are being reported to  XXXX ,  XXXX , and  XXXX .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-07
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2018-07-31
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: Information belongs to someone else

Complaint:
As of XX/XX/2018, EQUIFAX is SOMEHOW keeping a FRAUDULENT address on my credit report, None of the other CREDIT REPORING AGENCIES, XXXX OR XXXX have this address on my reports as you will see with the ATTACHED PDF DOCUMENT. I am DEMANDING that they PERMANENTLY REMOVE this FRAUDULENT address from MY CREDIT REPORT! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Again, the above is an ADDRESS I never lived! & needs to be PERMANENTLY DELETED!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
XXXX and Transunion are incorrectly reporting me as an Authorized User on the XXXX XXXX - partial account number XXXX. ( Please see pages 9 and XXXX of the attached credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. XXXX   has removed this line item from my credit report but XXXX and Transunion have not. I have contacted the bureaus to remove this from my credit report however, I have not been successful. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report.

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 2022-01-07
Company: Pacific Rim Alliance Corporation
State: CA
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 is attempting to collect a debt that I do not owe them. They illegally purchased my information from CHECKMATE. Further more they are reporting this false information to all 3 credit bureaus. I have no contract with XXXX XXXX XXXX them and CHECKMATE are in violation of 15 usc 1681 and 15 usc 1692.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
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: Information belongs to someone else

Complaint:
I have been requesting a FULL transaction history of the account reporting on my credit report ( XXXX ). First the account is reporting a date opened on my credit report of XX/XX/2018 which I do not believe is correct. Additionally, this is showing as a business credit card which the documents attached shows that I am not an officer or owner of this business. Additionally, I was XXXX when this account was opened and used so again, this is a fraudulent account. You will find attached my identity theft report and a copy of the secretary of state report showing that I am not a listed officer or owner of that particular business. Please be advised that Im exercising my rights as spelled out by the Fair Credit Reporting Act in Section 609. I am AGAIN requesting a FULL TRANSACTION history of this account including the date that it opened and the last charge/transaction made on this account. That includes contracts or service agreements with my wet signature.

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 2019-02-02
Company: SYNCHRONY FINANCIAL
State: NM
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I received my new Synchrony Bank XXXX XXXX Credit Card in the mail. With the card came the terms and conditions that said my credit card interest rate was, as I had seen at time of application, was 24.90 %. I then got a letter a few days later that said my interest rate was not the best rate they offered and that by law my credit score was used in reviewing my application. It stated my credit score was XXXX. I was then instructed to all if I had questions. I called and asked them to explain what was the cut off for the best credit score and what was my credit card interest rate. The rep and the supervisor I spoke to " XXXX '' could not explain this to me and said they do not know what the score cut offs are. XXXX then told me my credit card interest rate was 25.15 % which is 25 basis points higher. I asked them how they could increase my interest rate on my card from application on XX/XX/XXXX. It has not been 12 months and the introductory promotional rate must be honored for at least 6 months. XXXX said they did not have to follow that law at Synchrony and she said she did not know what other credit card companies do, but at Synchrony, the interest changed on XX/XX/XXXX and so did my credit card interest rate. I tried to tell her about the Credit Card Act of 2009, and tried to explain to her the points below, but she would not listen. She said I had to write to Synchrony and there was nothing else she could do about it.

Interest Rate Increases : Credit card issuers can not increase interest rates within the first 12 months of the account being opened ( unless consumer makes late payments ). 
Introductory promotional rates must remain in effect for at least 6 months ( great news for people who take advantage of 0 % Balance Transfers ). 
Credit card issuers will not be able to raise an interest rate on an existing balance unless the cardholder goes 60 days past due on the account. 
Increased interest rates only apply to new charges and can not be made retroactively. 
No universal default clauses.

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 2023-02-19
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX I deposited a pay check for {$4900.00} in the ATM of US Bank XXXX XXXX XXXX XXXX. XXXX, CA XXXX. Twice a month my paycheck was directly deposited to this same account for 1.5 years. I received a letter from US Bank dated XX/XX/XXXX stating the check was on hold because there was reason to believe the check would not be paid. I called the US Bank customer service and fraud dept. and the representatives repeatedly explained to me they could not give me any specific details. On XX/XX/XXXX I received a second letter stating that US Bank was closing my account for suspected irregular activity. The funds that were in my account before the pay check was deposited were not available for me to withdraw. I continued to call US Bank customer service and fraud departments and was given the same response each time that no details were available explaining why may account was closing. On XX/XX/XXXX I received a letter stating that my US Bank checking account was closed and I would receive an official check for the credit. I did receive a check for {$250.00} dated XX/XX/XXXX. I called my local branch and was told by the branch manager there was nothing she could do and there was no notes with details on my account. I did email and speak with the employer who issued the check on XX/XX/XXXX and they informed me the check had been deducted from their bank account. I filed a claim with the CA XXXX XXXX regarding the final pay check owed to me. I had a meeting with the CA XXXX XXXX on XX/XX/XXXX and was instructed to obtain a letter from US Bank specifically stating why the funds were not deposited into my checking account. I called US Bank fraud dept. on XX/XX/XXXX and and spoke with my local branch manager and was told the funds were put in a holding account on XX/XX/XXXX. I asked why I was not notified or sent a check for the money owed to me from over a year ago. My account was closed after the money was put on hold in my name. But, when I called multiple times after XX/XX/XXXX no representative from US Bank would give me any details regarding the funds I deposited or why my check account was closed. The branch manager explained to me she was waiting for the funds on hold to be transferred to her bank and she would mail me a cashiers check.

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 2020-05-14
Company: Bread Financial Holdings, Inc.
State: NY
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:
My name XXXX XXXX.Unauthorized charge {$110.00} from BJ at XXXX, I stay at home almost 2 months during covid19 pandemic.I didnt sign in and ask renewal. 
I keep call in to contact the representatives to ask them to hold or removed the late fee, interest or unauthorized charge during COVID 19 pandemic.They put me to the other department which the line you never get the answer. I lost the job at home, I hope get the answer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-09
Company: EQUIFAX, INC.
State: PA
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. I demand the following accounts be verified or removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I sent Portfolio Recovery Associates ( PRA ) a request for validation letter, pursuant to Fair Debt Collection Practices Act and Fair Credit Reporting Act, along with corresponding state laws. The request for validation response must be competent evidence bearing my signature showing that I have, ( or ever had ) some contractual obligation to pay them. In response, I received a letter that account number XXXX XXXX XXXX XXXX was verified, as it was sold to PRA and that I owe {$2200.00}. 
On XX/XX/XXXX, I sent a second letter further requesting valid documentation, as they failed to provide a copy of viable evidence and per the FTC opinion letter from Attorney XXXX XXXX XXXX, a printout of a bill does not constitute verification. In response to this, PRA stated they have answered to my dispute and not further replies will be forthcoming. I continually receive phone calls from numerous phone numbers connected to XXXX at all hours of the day. I have been turned down for credit and request for a home equity loan as a result of disparaging reporting from XXXX. I have suffered financial harm from their derogatory tactics. 
I dispute the validity of the purported debt I owe. I request that XXXX provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX Cease and Desist all further communications and collection activities and provide the verification of the purported debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10
Company: ID Analytics, Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have requested 3x my consumer report while also asking them to freeze my consumer report and the last attempt I sent a notarized letter including a photo copy of my drivers license, SSN card and proof of mailing address but every time I get a letter sent back asking me to send more information identifying myself

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
Company: Selene Finance LP
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Dear sir 's, I am writing to complain about our finance company. the name is Selene finance out of XXXX  Texas. We had started a process of refinancing with XXXX XXXX XXXX XXXX  in XX/XX/XXXX. Our personal contact was with XXXX XXXX XXXX. Working together we started the process which we understood to only be a thirty day process. W e helped pull our credit history. XXXX XXXX  scores were XXXX, XXXX, XXXX. Mine ( XXXX ) were XXXX, XXXX, XXXX. We contacted Selene and asked for a payoff amount, We had tried almost daily to get through, only to be told " we are experiencing high call volume '', and put on hold. XXXX XXXX tried contacting them also with the same results. When they finally got thru to someone, Selene said we were in an open bankruptcy. It was a lie. Selene has delayed the process so long that we were past our deadline and would have to start all over again, it's been almost 50 days. My husband has XXXX XXXX XXXX, he got while serving our country in XXXX  ( XXXX XXXX ), his hope was to get out of an open interest to a fixed rate before his health got worse. The stress of this whole situation has been so rough on him. He was looking out for me. We have tried to get them to send a payoff statement, the last one was the first week ofXX/XX/XXXX, iam still waiting for it. The false information they gave has cost us more than just time, it has caused us so much stress. Thank you for any help you can give, Sincerely, XXXX  & XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXX and Transunion are incorrectly reporting a charge-off account where I am shown as an Authorized User on XXXX - partial account number XXXX. ( Please see page 7 of the attached credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User to this account. This tradeline has been removed from XXXX however, XXXX and Transunion have not removed this from my credit report. This incorrect reporting is harming my credit score and this line item needs to be removed. I have contacted the two bureaus to fix this issue but I have not been successful.

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 2020-12-04
Company: U.S. BANCORP
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:
US Bank responded to my initial complaint stating that the account was charged off as of XX/XX/XXXX. Yet, it is reporting negative credit history on my credit report as if the account was just charged off this year. The credit bureau is reporting XXXX, yes, XXXX, charge offs. A charge off is a one-time occurrence unless a payment has been made to reset the time. By US Banks own account, no activity has occurred on the account in at least 4 years. And even then, the activity, according to US Bank, was payment activity, not use. The way US Bank is reporting keeps negative information on a credit file in perpetuity. That is not how the law works. If this was the case, the 7-year statute of limitations on negative credit history would be rendered meaningless. 

US Bank is actively reporting negative history on a credit card that its own records show was opened in XX/XX/XXXX and has no purchase history on it for nearly 7 years.

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 2021-03-29
Company: LoanCare, LLC
State: MI
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:
The property was placed in forbearance under the CARES act and paid in full at closing. No payments were never late but it shows I was 60-199 days delinquent which is inaccurate. LoanCare LLC confirms this to be true. They reported it internally with XXXX XXXX based on the deferment and it's triggering XXXX XXXX and XXXX XXXX to believe that the payments were late. I need the " deferred status '' to be removed so that it shows no late payments.

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