BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-07
Company: Convergent Resources, 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:
On XX/XX/2020 XXXX XXXX, XXXX XXXX XXXX, Convergent XXXX and XXXX XXXX XXXX added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also, there was NO written form of communication, contract, or written signature for this accused debt at all. A bill without a written signature does not validate the debt ad anybody can send a bill and say its mines. According to the FCRA, XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account 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 2019-11-08
Company: EQUIFAX, 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 information incorrect

Complaint:
The Bank/Mortgage company said that I was late on my payment but the Late payments are unverifiable. The company has not verified the dates of late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I received my JC Penney credit card within the past week or so, and after closer inspection of my welcome packet I noticed that the information sent to me was in Spanish. 
I do not speak Spanish, and have a hard enough time with the English language to take on another language. So I called the customer service number on the back of the card and asked to speak with a supervisor. 
I did not write down her name but I had to go through other people to get to the supervisor. The phone call was placed on XXXX XXXX, 2017 at XXXX XXXX PST and lasted for 13 Minutes and 26 Seconds. I explained the situation and asked that the information that was sent be re-sent in the English version. I was informed that that was not possible, as they do not resend welcome packets, but I could go online and read the information online. 
I told the supervisor that that was unacceptable and that since I could not read the information sent to me that I was not liable for the charges. I did make charges to my card on the XX/XX/XXXX using the temporary card that was provided on opening the account. 
Supervisor claimed that I selected Spanish while opening the account. I can state for a fact that I did not select Spanish. Customer Service person may have but I did not. I also asked for a {$50.00} credit to my account for my inconvenience, and this was refused. 
I was told that going forward all correspondences would be in English, however the important information and coupons sent would not be re-issued in English. 
You may want to ask them to pull my phone call see above for time and time call was placed and for duration of phone call.

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 2019-09-23
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I lost my job due to recession in 2010. My family had to move from XXXX to XXXX to start over, we even filed bankruptcy 2 years ago. I have went from owing Naviet {$30000.00} to now owing over {$60000.00} due to taking forbearance because of job loss. I would have rather paid smaller payments, but they did not give me that option. They have tacked on {$30000.00} in fees making it almost impossible to repay!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: CHECK INTO CASH INC.
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had an account at XXXX used by house keeper. She lost the card. Someone then took the card. Opened a XXXX note for XXXX. I never noticed it until I had 2 charges on my card. Over XXXX for one and Over 300 for another. The CC Connect company used a routing number that could be be traced so I cancelled the card. At the time the note was reported taken out I was traveling for work. I have received a written notice from CC Connect credit collections. CC Recoveries. The account number assigned to me XXXX. Have lookedover the document and the IP routing number is not my computer and the contact phone number is not mine. I have disputed this as Fraud and now am following up with reporting this event.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WA
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:
Refuses to provided proof that this is my debt. Pursuant under FCRA they are required to provide original signed documentation providing proof that this is my debt. This company has failed to provide me with signed documentation, they just continue to harass me via mail, sending the same list of transactions with my name on it but fail to provide the correct documentation to prove this is my debt which is required by law in order for them to collect. Also they have let me know via mail that they REFUSE to reinvestigate due to me not providing new information, what information do I need to provide?, I am simply asking them to prove to me that this is my debt which is my right pursuant under the FCRA or they need to remove it from my credit report because they are now providing false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
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:
I have asked the credit bureaus respectfully, to fully investigate these accounts that do not belong to me. They have not been through with their alleged investigations and keep letting these accounts falsely report to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: Resurgent Capital Services L.P.
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:
There are two fraudulent accounts on my credit report. One is from XXXX XXXX XXXX XXXX and the other is XXXX XXXX XXXX  Credit Card ( sold to LVNV Funding ). I have never allowed anyone to use my personal information nor have I ever conducted business with those companies. 

I have contacted XXXX XXXXXXXX over 32 times, I have expressed to them that I never obtained a loan from them nor do I have a drivers license. I have mailed and emailed them an official police report where it states that I am a victim of ID Theft. I have been trying to contact and get a resolution on this account but XXXX XXXX XXXX XXXX does not respond to any of my attempts to have this resolved. 

XXXX XXXX XXXX ( sold to LVNV Funding ). I have contacted XXXX XXXX XXXX  Directly and they agreed that the account is fraud and removed it from their system. LVNV Funding is now trying to collect on a fraud debt that was deemed fraud from the original creditor. I have called and sent an official police report to LVNV Funding and they are refusing to remove the negative item from my report. I explained to them that XXXX XXXXXXXX XXXX  has deemed the account fraudulent and that LVNV Funding shouldn't even be allowed to collect on a debt that was erased by the original creditor. They have never responded once to my many attempts to have this resoled.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06
Company: CREDIT ACCEPTANCE CORPORATION
State: WA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: High-pressure sales tactics

Complaint:
This is back in XXXX XXXX Virginia where me and my wife were going to check out a dealership called XXXX XXXX that was sending advertisements in the mail. We were gon na trade in our car for a more newer one. We were given an offer for them to buy our car and sell us a newer one. But at a much higher price. We did end up signing some paper work for them to see my credit score and see what they can do. Was n't good enough so we wanted to leave. They keeped pressuring us to do it and to use our credit cards or to contact family for money. After six hours trying to leave we had enough and told them no and asked for our keys back. They did not look happy. A day or two goes by and I check my credit score showing it went down about 35 to 40 points because I had two hard pulls from two different creditors for the used vehicle loan. It said I was denied when I did n't even go through with the dealership. Oh they also had me try to get a loan from XXXX so I also have that on XXXX credit score. Three hard pulls on the same day. One from XXXX XXXX, another from XXXX XXXX CO, and the last one from XXXX. All on the XXXX XXXX 2017. There is no amount because I was denied.

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 2021-03-24
Company: Winklevoss Exchange LLC
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Deposited {$240.00} and purchased {$120.00} worth of bitcoin and etherium through a ACH transfer from my bank account on XX/XX/2021 and awaiting have been waiting for verification from Gemini finance for over a month. Money has already settled out from my bank weeks ago. 

Money is unable to be withdrawn or transferred from gemini as they show my account is still pending verification with the excuse that they are experiencing high amounts of new users, was forced to use other sites to accomplish what was needed and other sites have authorized in less than a week. All attempts to contact support have been met with automated responses and emails and provide no assistance to get verified so that account can be closed and money moved or withdrawn. Complaints filed with the site have either not been responded to or acknowledged.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: FC HoldCo LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I am XXXX XXXX and submitting this complaint myself and there is no third party involved. 

On XX/XX/2021 Flagship Credit Acceptance violated the cease and desist order sent to them by certified mail on XX/XX/2021. Flagship Credit Acceptance agent " XXXX XXXX '' informed me in a phone conversation ( that I initiated in order to expedite the process ) that they ( Flagship Credit Acceptance ) received the cease and desist demand on XX/XX/2021 and noted the information on the account file for the " alleged debt '' then referred me to a senior account specialist in XXXX, but I was never able to get in contact with them that day or today. Flagship Credit Acceptance mailed a billing statement to my home address after I demanded/ordered the company ( Flagship Credit Acceptance ) to cease all contact with me. Flagship Credit Acceptance has still not validated this " alleged debt '' pursuant to 15USC1692g nor have they ( Flagship Credit Acceptance ) responded to the invoice sent to them for the Title 15 damages itemized in the summary of charges that was sent to them by certified mail on XX/XX/2021. All evidence of my claim is attached and I would like this matter resolved quickly and damages paid to me by check. The " billing statement '' also has the same violations from the first " billing statement '' in question which would double their invoice fee. This action is a willful violation of my rights as a federally protected consumer and they should be held liable both criminally and civilly pursuant to 15USC1611 and 15USC1640. 

I, XXXX XXXX, am a natural person/consumer

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
After my graduation, I was notified by XXXX XXXX XXXX for student loans. However, as XXXX takes one of my school student loan ( XXXX XXXX XXXX ), they failed to notice me about the loan. I had zero idea about this loan ( including loan amount, interest rate, loan collector or even repayment method ). On XXXX XXXX, my credit scored reduced by a whopping 55 points that I realized that there is student loan. On XXXX XXXX, I had to call my school financial office to learn about my loan collector. Then, I made a phone call to ask why they do not contact me for my loan. According to them, they sent paper mails to my correct mailing address and the postal office returned the mails. I highly doubt that the address they input is correct. Also, they did not try to send me E-mail notification even though they can easily achieve my school email address. They also did not make a phone call. They representative insisted that they can not do anything about the past due report, so I am desperate to file this complaint.

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 2022-01-19
Company: EQUIFAX, 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:
In XXXX of XXXX, I began to review my credit file. After finding several inaccuracies, I began to dispute the inaccurate information asking for an investigation to be done by the credit bureau for the items reporting on my credit file. To date, I have not heard anything from Equifax regarding my request for investigation. They have continued to ignore all requests which leaves me financially harmed due to an inability to obtain an extension of credit. I have sent requests on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. To date, absolutely no changes have taken place on my file, or have I received any response to the numerous requests made concerning the incorrect information reporting on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We are requesting an affordable loan modification or a reasonable settlement with SLS/ SPECIALIZED LOAN SERVICING/ MANAGEMENT DEPARTMENT/ XXXX XXXX On XX/XX/XXXX XXXX told both XXXX and me to submit a settlement offer. 
On XX/XX/XXXX we submitted the settlement offer to SLS email ( XXXX ) On XX/XX/XXXX we called and spoke to XXXX ( point of contact XXXX ), she claimed that she did not receive any settlement but when she checked the email she saw the email we sent. Without submitting this offer to the Investor or the management of SLS, she bluntly rejected it and became very rude and unprofessional as she has done many times throughout the years. 
We have requested a new point of contact for years, BUT SLS MANAGEMENT REFUSED TO OBEY WHAT THEY HAVE PROMISED. AS PREVIOUSLY, AFTER FILING A COMPLAINT TO THE CFPB, SLS AGREED TO ASSIGN ME A NEW POINT OF CONTACT. BUT SLS MANAGEMENT REFUSED TO HONOR THE AGREEMENT ( AS PROMISED IN THEIR REPLY TO CFPB COMPLAINT ) CFPB, PLEASE HELP 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 2017-11-29
Company: ERC
State: HI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ERC has a collection account from XXXX XXXX XXXX on my XXXX and XXXX that does not belong to me. We do n't have XXXX XXXX XXXX where I live in Hawaii.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
A " hard '' pull was performed on my individual account by XXXX on XXXX XXXX, 2016. The address listed for the inquirer is XXXX XXXX XXXX, XXXX, TN XXXX. Phone number : ( XXXX ) XXXX Credit report states that this is from the automotive category. We have not had a auto purchase or inquiry at that time frame.

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 2019-09-23
Company: Professional Collection Service Inc (GA)
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX Professional Collection Account Number # XXXX This CFPB Complaint is to formally advise you that I believe your company has violated several of my consumer rights. Specifically : You failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : and FCRA violation Not only have you ignored my prior request for validation of debt but you continue to report this debt to the credit bureaus, causing damage to my character. This CFPB compliant will again request that you follow the FDCPA and please provide the following : -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signature As you may be aware, " Estoppel by Silence '' Legally means that you had a duty to speak but failed to do so, therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense. 

I expect to receive the proof requested above within 15 days of this compliant. Should you ignore my request for validation of debt I reserve the right to sue you company for violations of my consumer rights as specified under both the FDCPA and the FCRA. I may also seek damages from you if warranted Kind Regards, XXXX XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Capital One # XXXX is reporting a late in XX/XX/19. I was never late. What happened was that I had paid it online and did not realize that the payment had not gone through until they sent me a notice about it being late, the first thing I did was pay it. This is not my fault and I did not know about the payment not going through until it was too late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
Company: Experian Information Solutions Inc.
State: NJ
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:
Account # : XXXX Account Type : Installment Account Type - Detail : Unknown - credit extension, review, or collection Bureau Code : Individual Account Status : Derogatory Monthly Payment : {$0.00} Date Opened : XX/XX/2014 Balance : {$0.00} No. of Months ( terms ) : 0 High Credit : {$2600.00} Credit Limit : {$0.00} Past Due : {$0.00} Payment Status : Collection/Chargeoff

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 2021-09-14
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:
We are consulting an attorney about the problem and this is a general complaint that we suggest something be done to stop " shopping ' for the best kick-back from Finance Charges. 
When a customer signs a Credit Application, it gives the Dealer free rein to make numerous Hard Inquiries about the Customer 's Credit. This will drop the individual 's ( Customer ) Credit Rating Points by 15 to 20 points for EACH call. It is like blaming the victim for the crime.

Why does the Car Dealer do this? They are " shopping '' the deal to see which Lender will give the most kick-back on Finance Charges. About 5 years ago, my personal Credit Score was in the Excellent category at over 795 poin
ts. A Dealer without authorization ( signed Credit Application ) made 5 calls, shopping my purchase ability. This was despite the fact that I told the Dealer I had my own finance. These 5 calls dropped my score to just over 700. It tooks YEARS to get the score back up to XXXX and now another Dealer decided, without authorization to " shop '' my credit has dropped the score to XXXX the Fair category.

Something must be done to stop ruining Credit Ratings as the Dealer shops for an increase in kick-back.

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