BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-14
Company: Colony Brands, Inc.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
i am writing to u to see if we can get XXXX XXXX taken off my credit report since they closed my account on XX/XX/XXXX and they wrote it off and i would like it taken off my credit report it was for XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04
Company: Diversified Consultants, Inc.
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On Friday XXXX XXXX I received a call from Diversified Consultants Inc from number XXXX. When I discovered it was a debt collector who purchased my account from XXXX I advised the caller that they had called a business line and stated they were not to call this number again. Just shy of 24 hours later I received another call on the same phone from this company from XXXX. I also find it funny that this company has called twice from a XXXX area code which is local to me but they are actually calling from XXXX, FL! I did not answer the second time and called them back this morning to inform them of the complaint as well as let them know if they call me again I will proceed with legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-14
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have been a victim of Identity theft. Between the XXXX of XXXX, 2019 some one opened an account on my name and requested a XXXX XXXX credit card and also opened a XXXX account and bought 4 new XXXX from them. I did NOT requested such servides or accounts. I realized I was a victim because of the bills dfrom bot companies arriving at my mail adress in the US. I am currently living in XXXX XXXX XXXX. it has been very difficult from here fixing this issue. I have tried contacting both companies over the phone but both require a US police report wich I cant get overhere since the XXXX police has no authority in the US.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: MCMC Auto LTD
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:
I am a victim of identity theft and fraud and currently dealing with the security breach with XX/XX/XXXX The following accounts have been submitted to the credit bureaus and I have an FTC Case ID XXXX and XXXX with XXXX. The following companies and accounts are the items I am reporting to the credit bureaus. These accounts were made and opened fraudulently and without my knowledge. I am a victim of identity theft and fraud since XX/XX/2007 since the age of XXXX. I am currently still in the military and have an extensive military fraud and identity theft report on the credit bureaus. I have continuously made several attempts to speak with the company for them to remove the fraud account but to no avail they will not.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-24
Company: OPORTUN FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have a personal loan debt. I have multiple instances with this company. 
The leftover loan amount was about five thousand. 
1 ) They are seeking unjustified amounts and keep adding fines, interest, and penalties that are now up to XXXX XXXX dollars on a closed and charged off account. 
2 ) They also threaten a lawsuit using a law office as a collections company. Furthermore, they have filed multiple suits without following thru. I have shown up to each court case and they have yet to have representation from their side show up. Now in my background report, I show multiple suits pending. 
3 ) They communicate with third parties other than my self. One of my past co-workers has been contacted by them on two different occasions. 
4 ) The company reports false information on all three consumer credit reporting agencies. The false information is the exuberant amounts that just keep climbing, They have added hart hits by supplying my information to other collections agencies and loan companies. They have also added wrong addresses and different variations of my legal name to my consumer credit reports that I am unable to get removed as they were reported by them,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I opened a business account with B of A in XX/XX/2020 and I used the card 1 time for total of XXXX. They recently closed the account with no explanation XX/XX/2020.

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 2019-02-14
Company: Ascendium Education Group
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I graduated XX/XX/XXXX. In XXXX I put my student loan in forbearance or so I thought, I had a infant and was unemployed. When I went to pay on my loan in XXXX XXXX XXXX told me my loan was much larger then what I applied for. I asked for a payout details to my college. I was told that they could not send me anything but they would tell me what was paid to my school. I had no way to dispute what was applied for or what was paid. I told them the amount was too high but I was told interest made it balloon. I did not make any payments because I always disputed the amount but could not prove anything ( My loan paper work was lost in a fire in XXXX ). After 15 years I did get a XXXX job that required I not have unpaid debt so started to make small payments on my loan. I then asked XXXX XXXX for my statement of payouts to my college and I was told they don't have anything to show me they just own the loan. After making payments my loan was bought again by another company. XXXX owns my loan now and on there loan page it says both of my loans one for XXXX and the other for XXXX are now {$25000.00} & {$15000.00}. The alarming thing is I have two loans that were still being disbursed on XX/XX/XXXX but I graduated XX/XX/XXXX, I never went back or applied to go back to school. I told the rep I did not go to school in XXXX and I did not apply for loans after XX/XX/XXXX. The customer service rep at XXXX said if I graduated in XXXX unless I signed for those loans in XXXX then there is some kind of fraud and my amount needs to be reviewed. I need to know why in XXXX loan where being paid out to the XXXX XXXX XXXX XXXX. The school is closed now so I can not get answers from the financial office. The XXXX rep told me to reach out to this site and XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
There is a discrepancy in my clients account. He had a trial payment for XX/XX/XXXX, XX/XX/XXXXand XX/XX/2011. Then he was issued final modification with first payment due XX/XX/2011. The bank is showing him sixty days 60 late since the beginning of the modification but is due to the fact that according to the agreement no payment was required in XX/XX/XXXX and XX/XX/2011.

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 2018-07-09
Company: EQUIFAX, INC.
State: CA
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:
Every time I apply for my free annual credit report with Equifax, I get the same response ... 

" Online Delivery Unavailable We are not able to deliver your free Equifax Annual Credit Report online. '' ... with instruction on how to obtain the credit report by mail. 

What's the point of applying online if I get the same run-around every year. XXXX  and XXXX provide a report online. What's Equifax 's problem?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I received a copy of my credit report and found the following item ( s ) to be in error : 1. The inquiry was not authorized XXXX XXXX Account Number : XX/XX/XXXX Please remove it from my XXXX, Transunion, and XXXX  credit report. 

2. The inquiry was not authorized XXXX XXXX Account Number : XX/XX/XXXX Please remove it from my XXXX, Transunion and XXXX credit report. 

3. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XX/XX/XXXX Please remove it from my XXXX, Transunion and XXXX  credit report. 

4. The inquiry was not authorized XXXX Account Number : XX/XX/XXXX Please remove it from my credit Transunion report. 

5. The inquiry was not authorized XXXX XXXX Account Number : XX/XX/XXXX Please remove it from my credit Transunion report. 

6. The inquiry was not authorized XXXX XXXX XXXX XXXX Account Number : XX/XX/XXXX Please remove it from my credit Transunion report.

7. The inquiry was not authorized XXXX XXXX Account Number : XX/XX/XXXX Please remove it from my credit Transunion report. 

8. The inquiry was not authorized XXXX XXXX XXXX Account Number : XX/XX/XXXX Please remove it from my credit Transunion report. 

9. The inquiry was not authorized XXXX XXXX Account Number : XX/XX/XXXX Please remove it from my credit Transunion report. 

10. The inquiry was not authorized XXXX Account Number : XX/XX/XXXX Please remove it from my credit Transunion report. 

11. The inquiry was not authorized XXXX XXXX  Account Number : XX/XX/XXXX Please remove it from my credit Transunion report. 

12. The inquiry was not authorized XXXX XXXX Account Number : XX/XX/XXXX Please remove it from my credit Transunion report. 

13. The inquiry was not authorized XXXX XXXX XXXX  Account Number : XX/XX/XXXX Please remove it from my credit Transunion report. 

14. The inquiry was not authorized XXXX Account Number : XX/XX/XXXX Please remove it from my credit Transunion report. 

15. The inquiry was not authorized XXXX Account Number : XX/XX/XXXX Please remove it from my credit Transunion report. 

16. The inquiry was not authorized XXXX XXXX XXXX  Account Number : XX/XX/XXXX Please remove it from my credit Transunion report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. They are all non-permissable inquiries that I did not authorize in writing, It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a  ), you must complete this reinvestigation within 30 days of receipt of this 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 2021-04-08
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 information incorrect

Complaint:
I set up a settlement with Synchrony Bank for my Care Credit account and it is still appearing on my credit report with a balance. This is impacting my score and my credit worthiness and future loans. Several accounts have been closed or credit lines have been impacted I resolved the account in XXXX. I had to follow up with them in XXXX to obtain documentation and we are in XXXX and they have not updated my credit report. I had some financial issues but did address them. I'm now back on my feet ; however, I did have to settle with Care Credit which I'm grateful. Synchrony Bank closed my JC Penny Account, my Lowes Account, reduced my credit on my Amazon account, closed my TJ Maxx Account. Many of these accounts had XXXX  balances, yet they keep the one account on my file which has been resolved and other creditors are following suit. I have two other debts which remain outstanding and I will be debt free ( credit card ). I just want the credit report to be accurate which is what is required by law.

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 2017-12-04
Company: Amsher Collection Services, Inc.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
There is a collection account showing on my XXXX report with Amsher Collections services for {$120.00}. The date last reported is showing XXXX/XXXX/2015 but I have called Amsher and they do not have this particular account for XXXX XXXX. Also, my children have had medical insurance all their lives so this bill should not be on my report at all. I have never had any problems with there insurance before now and dont understand this bill at all especially since it os reporting that Amsher has debt thru XXXX but they say it is not in there office. I have disputed with XXXX because again when I called Amsher it wasnt in there system and the account has been removed and not sure why its still there

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my social security.

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 2020-05-06
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: Their investigation did not fix an error on your report

Complaint:
I have informed Equifax that these accounts are not mine but they refused to delete them. These were opened without my knowledge or permission. These are fraud accounts that are listed for DEPT OF EDXXXX XXXX XXXX Bank Delaware. There has also been unauthorized inquires that I did not give permission to have my information given to from XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX Bank, XXXX - XXXX XXXX. I have called the companies they tell me to contact the bureaus, I contact the bureaus and they do absolutely nothing. Please delete & block this information from returning because this is such a headache attempting to get this information corrected. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04
Company: ERC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed this debt with multiple collection agencies. As soon as it is disputed and removed. It is then sold to a different company then the whole process starts all over again. I have disputed this debt with this current company, ERC, and informed them that I do not owe this debt. I have never been associated with the company that this debt has been purchased from. But this seems to fall into deaf hears. This XXXX dollars debt has been following me for the last four years and being sold to multiple collection agencies. My credit score takes a huge drop every time this shows up on my reports.

Please help me get rid of this issue and hope I do n't have to deal with this again.

Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-24
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: Account status incorrect

Complaint:
I contacted XXXX XXXX to close my credit card in XX/XX/2017. I did not realize the card that required a complete payment of the balance each month. I was laid off from my job and this became difficult. I reached out to XXXX numerous times to ask for a payment plan and was rejected, so I requested the card be closed and I informed them that I would still pay on it. The card was not actually closed until XX/XX/2017. However, XXXX still was charging me a monthly late fee of {$38.00}. The late fees should not have been charged on a closed account. I requested the account to be closed in XX/XX/2017. 

XXXX  also keeps updating my credit to show that I am recently 30-plus days late, which is entirely untrue. I feel they are purposely trying to sabotage my credit, as each time they update this account my credit score significantly drops. 

I have disputed this falsely reported account numerous times through the credit bureaus and XXXX always verifies the information as inaccurate. They fraudulently charged me late fees, are intentionally sabotaging my credit, and refuse to report the accurate amount owed. 

I obtained an XXXX XXXX card because I was under the impression that their customer service was top-notch and my experiences here have been very disappointing. 

I have attached a statement from 2017. Thank you.

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 2020-08-28
Company: Harpeth Financial Services, LLC
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I logged in this morning XX/XX/20 to payoff the loan and I entered my debit card and processed the payment and an error occurred so i checked my account and the funds were pulled. I called back and Advance Financial says I didnt send the payment. I called my bank XXXX and they show the payment was pulled from my checking account on XX/XX/20. I asked for a supervisor and I got the run around until I got someone on the line and probably wasnt a supervisor but didnt nothing and I made my payment as the contract says I am supposed to but Advance Financial will not help me. They are just rejecting payments to get more money through interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14
Company: PENTAGON FEDERAL CREDIT UNION
State: NJ
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 reviewed my credit report and noticed a {$41000.00} charge of from Pentagon Federal Credit Union. I immediately disputed this account with each Credit Bureaus and Pentagon. Each Credit Bureau responded with the account being verified as accurate, but the actual creditor NEVER responded to my validation request. I am familiar with Pentagon due to being approved for a Car Loan through Dealership XXXX   XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. They advised me the loan would be furnished by Pentagon Credit Union and that the documents would come in the mail for me to sign and return. The documents came, I signed the loan documents and a check that was made out to both me and the Car Dealership. I signed the check as well, and mailed both check and documents back to Pentagon Federal Credit Union. I spoke to someone at the Dealership in which name I did not document ( due to I NEVER thought I would be experiencing this issue ) and they advised me that the check was received by the Dealership, and my car would be delivered within 72 hours after maintanence and detailing. Long story short, I NEVER received a car, No car was EVER delivered to me, and I never took possession of ANY car!! I was in the process of refinancing my home so I ran my credit report, and to my surprise there was a {$41000.00} Collection/Chargeoff reporting on my credit report. I Never received any kind of payment notification, past due notice, or any notification of this account even opened. I live in the same address for over 10 years so there was no way Pentagon was unable to reach me at the same address they sent the documents for signature. They are also reporting a payment on that I made in XX/XX/2018 which is definitely Inaccurate because I NEVER MADE A PAYMENT TO THIS ACCOUNT! 
Back to the Credit Bureaus, how are they verifying this account as accurate? Did they even investigate? I sent a second letter to each bureau advising them that the collector did not respond to my validation request, and demanded the removal of this account from my credit report. I attached a copy of the certified receipt as proof that the request was sent to the Pentagon, XXXX , and XXXX XXXX XXXX. They again, advised that the account was verified as accurate although Pentagon responded with they dont own the account but it is still reporting on my credit report ( I sent proof of this as well ) XXXX XXXX XXXX NEVER RESPONDED TO MY VALIDATION REQUEST. Per the FCRA that is grounds for removal automatically ( Proof was submitted of this to the bureaus as well )

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