BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-23
Company: MRS BPO, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Last month, I received a notification from XXXX that there was a debt collection agency indicated on my account, which significantly decreased my credit score. There was no prior notification of any kind sent to me in writing, by email, or by phone by any debtor. I called the collection agency, but they were unable to give me any information, as I have no account number to give them as a reference, since I never opened this account. They were unable to match my name with the amount reportedly owed on my credit report as well. The crediting reporting agency does not reveal the full account number. Upon disputing the item with XXXX twice, I learned that the item originated from XXXX, with whom I have not opened an account. This item has to be either fraudulent or placed on my account in error. Upon further investigation, I also noticed that an unauthorized inquiry was placed on my account last year in XX/XX/2020 from XXXX. I havent had any luck getting any information from the collection agency of any kind to document my authorization of any opened account. Furthermore, there are no documents ( contracts, letters, bills ) of any kind for me to attach because I did not open this account.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XX/XX/XXXX at XXXX, Spoke with XXXX he stated I was 3 months behind. I previously applied for a 3 month deferment back in XXXX of XXXX. I was then told I was assessed fees and my deferrment was approved back in XXXX of XXXX. I waited to be called back by a supervisor named XXXX. On XX/XX/XXXX I spoke with XXXX who advised my late fee of XXXX, then XXXX, then XXXX is what caused the late payment credit report. I asked why did no one call me, or send something in the mail if there was a past due balance? XXXX stated his company is not obligated to call anyone and if they do it is as a courtesy and I should read my contract. I asked why is there an account solutions department that extends this courtesy to other customers but not me when I expressed I was experiencing a financial hardship? XXXX again referred me to my contract. 

I am disputing the credit report for {$29.00} based on that XXXX never advised me of a past due balance, although they do for other consumers with past due balance, this is not Fair Treatment.

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 2018-03-14
Company: Go Capital Holdings, LLC
State: PR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
On XX/XX/18 I did a favor for a friend who could no pay her monthly installment and paid a one time payment to XXXX who informed me that there would be a {$3.00} fee for payment over the phone. I agreed, but was never informed that there would be an Advance Transaction Fee of {$6.00}. When I contacted XXXX, their response was that they used XXXX XXXX to process all the credit card transactions and had no control as to how XXXX XXXX   processedt them.I believe this to be a deceptive practice as that all fees should be disclosed prior to the termination of the transaction.

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 2020-09-16
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
n XX/XX/XXXX we started a home improvement project with Lowe 's. This project included granite counter tops in kitchen and baths, sinks and plumbing to complete counters. Since these items are large purchases, we were recommenced by salesperson for me and my husband to each have an amount to cover balance after we paid some down with cash. I opened an Advantage account and was approved for {$6000.00}. My husband was approved for an Advantage card for {$6000.00} in order to complete the purchase. We regarded these accounts as regular credit accounts with interest on the balance. We did not receive enough explanation from the sales staff at Lowe 's did not realize these accounts were " promotional '' and there would be a balloon payment added to the balance when it expired in 2 years. As senior citizens, we would not have agreed to these terms in this aggressive sales pitch if it was understood. 
Since XXXX we have both been making monthly on-time payments on each account. In XX/XX/XXXX a balloon interest payment of over {$2800.00} was added to my account and over {$4000.00} to wife 's account. These actions have significantly increased each monthly payment. The balances show " over limit '' because of these added charges. We dispute how these interest charges have been applied. We dispute that these accounts were agreed by us for " promotional '' terms. We want these accounts to be reviewed and re-written. We will continue to make regular monthly payments as we have done previously.

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 2019-02-17
Company: WESTERN UNION COMPANY, THE
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
On XX/XX/XXXX, I made a one time payment of {$240.00} to XXXX XXXX as a XXXX gift to my sister. This was a car payment for her, which was due on XX/XX/XXXX. As I mentioned, this was intended as a one time only payment. I have since signed back into the XXXX XXXX website, and discovered that my banking information was retained on the website. This enables anyone, at any time to sign into the account and use my financial/banking information for additional payment ( s ). It is unclear to me whether or not this information of mine can be assimilated to other accounts/websites for access to my checking account. I have made multiple inquires to XXXX XXXX to have this information removed. They stated the payment was done by a third party service, XXXX, offered by Western Union. They also stated they are unable to remove my information from their website and that only XXXX/Western Union can do so. I have made many many requests to XXXX/Western Union to remove my information, and it has yet to be done. I have been told my case was escalated and to expect a call from their office in either New York or Colorado. After over 45 days of my calling back perhaps 3 times weekly on this matter, I have yet to hear from anyone. My information was posted immediately. I can not see why the removal of my sensitive banking information should take this long. The representatives have been rude, refusing to let me speak to a supervisor. I do not want my banking information held hostage on a website with public access. I do not think this is an unreasonable expectation. The account number it was posted to is : XXXX. Account holder is XXXX XXXX XXXX. Vehicle VIN # is : XXXX. Payment confirmation # from XXXX/Western Union is : XXXX. My request is to immediately and permanently remove my banking information from XXXX XXXX 's website. I feel it is not right that information is held without my permission. The account information in question is posted on the website as Checking XXXX XXXX.  There is a radio button next to this account information which gives immediate access to my funds. I am enclosing additional documentation to substantiate this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11
Company: Early Warning Services, LLC
State: MD
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: Problem with personal statement of dispute

Complaint:
To whom it may concern : This is a formal notice of dispute regarding information that XXXX XXXXXXXX XXXX sent to XXXX and EWS, a consumer reporting agency. 

The following false information was sent to XXXX and EWS : Contribution Reason : Transacting ( or attempting to transact ) with an account in an unauthorized or prohibited manner.

This information was disputed with XXXX and EWS on XX/XX/2017 ; however, XXXX XXXXXXXX XXXX verified the information as accurate. This falsely reported information damages my financial reputation and should be removed immediately. 

XXXX XXXX XXXX reported suspected fraud when in fact, no fraud took place. There was no illegal activity on the account. 

XXXX XXXX XXXX did not experience any financial loss and no money is owed on this account. There was no violation of the account agreement that governed the account. 

Under my rights under the Fair and Accurate Credit Transactions Act, I am asking for an investigation of this reported information, and removal of the false information reported to XXXX and Early Warning Consumer Serivces. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-15
Company: ENCORE CAPITAL GROUP INC.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
You didn't have a option for me to select. XXXX XXXX XXXX  is reporting an old debt monthly as if the account is active or still open. The debt has been closed. I have the fact that they can pit whatever on my report monthly. Who gives them the authority to do This? Is reported m monthly on my XXXX and XXXX accounts. Those accounts are closed and should not be reported every month saying I'm late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
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: Account information incorrect

Complaint:
Transunion Credit Reporting updated an error that my mortgage company made and didn't improved the credit score. 
The credit scores need to adjust asap when errors are corrected. Their errors keep me from purchasing a car etc at a good rate. 
Also, the law needs to change about 7 years destroying credit, when debt is paid it needs to improve credit asap or at least a few years not 7!!! 
we have waited a long time, and really don't want credit anymore due to this law. 
we find any other lenders who do not go through credit whenever possible. 

please file a complaint they have lowered my scores when correcting the Mortgage issue instead or raising them!!!

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 2020-09-16
Company: AMERINATIONAL COMMUNITY SERVICES, INC.
State: CT
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:
My mortgage has to be paid by XXXX est on set date. If i pay by then and they post later i get a automatiic 30 day late hit on 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 2020-09-16
Company: Freedom Mortgage Company
State: PA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We have a VA loan on our home thru Freedom Mortgage with a guarantee that we can refinance should interest rates drop. We started that process a few months ago, signed all the required documents and returned them to Freedom. We had a settlement date of XX/XX/2020. Freedom called us a few days ahead of that date and said they had to move the date because they made an error in the lot number on the documents. We were told that settlement would be postponed a week. We did not hear anything from Freedom, so called the loan service dept. to check status. We were told the loan was ready and had been sent to the main office. When we didn't hear anything, a week later we made multiple calls and spoke with XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX who would not provide her last name. We also left several messages for XXXX XXXX who is the person we were told is handling the loan. She never returned multiple phone messages until a message was left telling Freedom we are going to pull our loan. Ms. XXXX then called back within 30 minutes and said we can go thru with refinance or stop it. When asked what the status is, she said the loan is with the underwriters and we should get a call for settlement within the week. We are now trying to work through loan advocate, but when we called the number provided and requested one, they transferred us to a person who said he is a loan adviser. We have now made another month 's mortgage payment at the higher rate and there is no end in sight for us for the lower rate and payment.

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 2018-09-04
Company: DISCOVER BANK
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I was charged for a cash advance before XXXX and Discover can not till me when it was authorized because they can only go back 7 years. This account has accrued interest 28.99 % to a balance of XXXX. They have shown a cash advance balance of XXXX in XX/XX/2011 they said that's as far as they can go back. I never had a cash advance during the past years I have made purchases but no cash advance. Now the company tells me my balance of XXXX is related to a cash advance and high interest of 28.99 % for a cash advance that I never made no purchases included. I have spoke to them several times in the past 140 days and also the fraud department twice with no resolution and they cant show me where the cash advance came from because they stated that they can only go back 7 years. I spoke with them again today and spoke with XXXX in Ohio and she would not give me her id number. Please help with this. In reality there will be no way I can pay this amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 XXXX XXXX  XXXX is fraudulent on my Acct # XXXX. 
XXXX XXXX XXXX is fraudulent on my Acct # XXXX. 
XXXX  is fraudulent on my Acct # 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 2020-09-16
Company: Stenger & Stenger, P.C
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:
Stenger & Stenger , P.C. Creditor is XXXX XXXX amount of debt is total of {$760.00} as of XX/XX/2020 ... payment arrange in XX/XX/2020 for the total amount of {$1000.00} with payment of XXXX made 5 payments deducted from total amount of payment agreement of {$1000.00} which total my amount to {$760.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: CNG HOLDINGS INC
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Hello and thank you for taking my request this is a serious matter I have been waiting on a refund from why not lease it through XXXX for furniture that I never received I never received a product I have been working with them back and forth since the end of XXXX all right they had to do their investigation wish they did they told me to go call XXXX or call by XXXX the XXXX will be the latest that I would have heard anything but nobody never called me I sent several emails to the company and I still got no response I literally just got off the phone with why not lease it and their phone number is XXXX XXXX. They told me it would take two to three more weeks to process my refund into my account and I find that highly disruptive to my life there's a pandemic going on I don't know why people think it's okay to just mess with people money and their livelihood at this current time it is devastating to me that I don't have my {$470.00} back in my account at this point I have bills to pay I pay rent my rent is {$100.00} my life is more dollars okay I have a car note insurance everything if I would have knew this I would have never ordered from them and I will never use them again I'm done with them because they keep giving me the runaround and I'm done with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) and as well as 15 USC 1666 ( b ) the former was reporting inquiries without my permission and 15 US Code 1692e ( 2 ) ( a ) and ( b ), the latter was truth and lending act. They are reporting a collection as an Open account that is not under FCRA Compliance. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
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:
I have reached out to the bureaus several time in reference to this matter and it has yet been resolved. 

The account in question : 1. XXXX Account # XXXX XXXX {$9.00} Opened- XX/XX/XXXX XXXX. XXXX Account # XXXX Balance {$780.00} Opened- XX/XX/XXXX 3. XXXX XXXX Account # XXXX Balance {$1600.00} Opened- XX/XX/XXXX 4. XXXX XXXX Account # XXXX Balance {$2600.00} Opened- XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
In XX/XX/2020, mailed a dispute letter via usps certified mail to Experian in regards to the validity and accuracy of charged off accounts listed on my credit report from XXXX # XXXX and a collections account listed on my credit report from XXXX  XXXX XXXX # XXXX  In my letter I addressed each section of the accounts that were reporting inaccurately and requested that if these accounts are not reporting accurately and can not be verified they should be deleted from my Experian report. 

On XX/XX/2020, I received dispute results from Experian stating that both accounts were updated and verified. On XX/XX/2020, I mailed a letter requesting the method of verification via USPS Certified Mail to Experian which according to FCRA they have 15 days to respond to my request. I requested that if Experian can not respond to the method of verification request that they delete the derogatory items listed as these items are not only reporting inaccurately but they are also unverifiable. 

As of XX/XX/2020, I have not received a response from Experian in regards to my requests for the method of verification nor have the accounts been deleted from my credit report. In fact, Experian had the audacity to update the account balances for the XXXX # XXXX accounts and XXXX   XXXX XXXX # XXXX XXXXollection account on XX/XX/2020 instead of complying with the Method of Verification requests for both accounts. 

I am filling this complaint as Experian has consistently been negligent with reporting inaccurate information on my credit reports and it is even more concerning because they are not following the FCRA in their handling of my request for proper investigations, accuracy and they have not provided any information in response to my method of verification request. 

Due to experian 's negligence and refusal to adhere to the FCRA and the LAW, these accounts XXXX  # XXXX and XXXX  XXXX XXXX # XXXX must be deleted immediately.

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 2019-02-17
Company: Amsher Collection Services, 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: Their investigation did not fix an error on your report

Complaint:
I did not open, nor have I had, a XXXX XXXX account. Furthermore, I never received and correspondence or request for payment by mail from XXXX. I received a collection phone call from the company over a year ago where I stated I did not open the account and had alternative service from another provider for many years and I never heard again about this until I saw my credit report. 
I absolutely and categorically deny having anything to do with this account and anything contrary to that is fraud. I will NOT pay an account I did not open, authorize or benefit from.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation