BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-07
Company: Experian Information Solutions Inc.
State: TX
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:
It is clear to me that a mistake has been made on my credit report ... These companies conducted a credit inquiry without my authorization.. I disputed the inquiries but it came back verified. I never gave this company the permission to check my credit report.. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, 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 2017-11-01
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I have purchased a set of the furniture and applied the credit card when we purchased on XXXX. We were told they are no interest for 24 month. 

As always, we set up the auto debt from our bank, we had paid our minimum due on time for past 2 years. On the XXXX XXXX, we only left the balance as of {$3500.00}, but the Synchrony bank charged us {$4300.00} for interest, please see the statement attached XXXX. 

We understand the credit card will charge customers interest on the balance whatever if they did n't pay, but this bank goes back to charge the interest for past 2 year for the promotion period, I have never known. We found it in XXXX, XXXX, and paid off all balance plus interest charges. 

I called the bank and tried to understand, they told me that is the way they design the program to make the profit. I spoke with the manager name : XXXX, she wo n't give me any government agent contact when I asked her for the third party review for the justice. 

We need justice on this issue, this is no ethical business. As a customers we are lack of some knowledge and not paying the attention to the detail, but as a financial institute should not work on this way for the innocent customers and like rob money whoever get track in. 

I am not sure if you are the proper place to listen to us, or please refer me to other agents, we need to appeal for this issue. 

We are looking forward to your reply. 

Thank you very much -- Regards, XXXX XXXX and XXXX XXXX XXXX : 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 monetary relief
Consumer complaint received 2017-11-01
Company: EQUIFAX, INC.
State: FL
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 recently ordered my credit report from XXXX and noticed that there were a few inquiries that I did n't recognize or authorize : XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, these are the inquiries that are unauthorized and unrecognizable. I called and spoke to a representative and he stated that there was nothing that he could do to help me. I put an fraud alert on my credit report for XXXX and XXXX for reasons like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 recently ordered my credit report from Transunion and noticed that there were a allmost a dozen inquiries that I did not recognize or authorize. 

XXXX XXXX XXXX/XXXX/XXXX *XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are the inquiries that are unauthorized and unrecognizable. I wrote a letter at the beginning of the month and sent it certified. I also called to speak with a representative on XXXX/XXXX/XXXX and he stated that there is not anything that he could to help me. I have put multiple fraud alerts on my account since XXXX and as recently as yesterday, XXXX/XXXX/XXXX for reasons exactly like this. I would appreciated if these inquiries are removed 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 2022-03-11
Company: Eastern Account Systems of Connecticut, 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:
Eastern Accounts and XXXX XXXX are reporting fraudulent accounts on my credit. I didnt open these accounts nor did I authorize anyone to do so on my behalf. Please see the attached FTC report and my driver license. Please stop the fraudulent reporting and remove these accounts from my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25
Company: Performant Financial Corporation
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Per California Consumer Protection Act documents, I received from Velocity Investments it appears Premiere Credit of North America ( PCNA ) has a error with their files. This is an attempt to correct YOUR records, any information obtained will be used for that purpose. 

Per CCPA document, it reads the following - - XXXX XXXX XXXX XXXX - Premier Credit XXXX XXXX XXXX Please do the following - - VALIDATE the Debt - Proof that this 'debt ' is under the statute of limitations - Do not call me directly or by third party - All communication must be in writing via CFPB.gov

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 2021-10-25
Company: EQUIFAX, INC.
State: NV
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 recently have been getting alot of calls from debt collectors. So, I went online to check my credit. I have several accounts that I did not authorize or approve of. There was also a different social security number, names, addresses, phone numbers, and employment information that I have no knowledge of. Some of my personal information was stolen years ago. I didn't think anything of it till recently. I filed a police report and I've been disputing with all three bureaus. They have yet to do anything about the fraudulent information. I will attach the police report, identity report, and proof of identity. Im listing the account that has not been resolved. 

XXXX XXXX XXXX XXXX account number : XXXX {$2000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: CCS Financial Services, Inc.
State: KY
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:
Had XXXX XXXX  car insurance since XXXX most recent policy was from XX/XX/XXXX to XX/XX/XXXX. I paid by automatic withdrawal every XXXX of month from checking account never late. Paid XX/XX/XXXX as usual however called to cancel policy XX/XX/XXXX was told I had a balance due {$180.00} but XXXX was unable to explain how I requested investigation and also detailed account bill never received it.i did receive a final bill with a due date of XX/XX/XXXX in XXXX went to try to find policy info or billing breakdown on website my whole account history was deleted on XX/XX/XXXX received notice from collections agency. It has not even been 30 days late bill was just due XX/XX/XXXX 2022

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01
Company: AFNI INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a collection account added to my credit reports today from AFNI, Inc. There address is : XXXX XXXX. XXXX XXXX XXXX, Il. XXXX. Phone # XXXX. That are reporting a debt of XXXX. The original creditor is XXXX in which I have not had services with them and this account was fraud. This account was removed from my report and deleted. Now its re-appearing as they seem to have now purchased this debt. This collection is preventing me from closing on my home. This is not mines. I have a police report and a ID Theft report to provide if they need it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Capital One is not applying my payments correctly. On XXXX XXXX they assessed a late fee of XXXX for XXXX payment. On XXXX XXXX I paid XXXX the regular monthly payment that was due. XXXX XXXX I paid XXXX and on XXXX XXXX I paid XXXX to pay the XXXX late fee assessed. Instead of applying the XXXX to the late fee capital one took the payment and applied it to interest and did the the same with the additional payment from the XXXX payment I made on XXXX XXXX. In doing this they have reported my payments as being late to the credit bureau and showing the account past due XXXX days which is was not because i paid it. When I called I was informed that they can not change how the payment is applied it is done automatically by the system. So if your system tells me that I have payment of XXXX  due plus fees of XXXX which totals XXXX and in turn make a payment of XXXX. Then why are you not applying the money to what your system is telling me I owe? They are not like other lenders that provide options in their mobile and online applications that allow you to select on how the payment is applied. You have three options 1. one time, 2. recurring, 3. pay off next options are pay from, payment date, payment amount, and make payment. This system is designed to cause hardship for the customers and increase the amount of interest capital one receives.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
To have on several occasions to have negative items removed from my report. But to no avail. I have also disputed several things on my report but they are still there. Also there a number of hospital bills on my report that the hospitals are trying to get paid twice for and XXXX have already paid the bill. I have tried to clear these things up but the creditors keep selling my so called depts and that is illegal.

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 2017-11-01
Company: V and H Portfolio
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
VanceHuffman has XXXX accounts listed on my credit report stating that I owe XXXX and XXXX both the state and they were open on XXXX XXXX XXXX I have no recollection of this debt and why it 's reporting on my credit twice same day open to different amounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-07
Company: Adler Wallach & Associates, Inc.
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 had a long dispute with XXXX XXXX regarding some money on a insurance policy they claimed I owed. AWA credit collections put a derogatory note on my credit. I called them and asked about it. I sent in the information they required to take off the damaging information- they never removed it. Finally I had XXXX and XXXX take if off. Unfortunately, the derogatory info was still on my credit when I was being evaluated for a home loan. I got a higher interest rate because of it. I had the CA Dept of Insurance evaluating the insurance problem. It tool several months for them to come to an agreement with XXXX regarding the balance I owed. I received a phone call from my contact at the Dept of Insurance informing me I would now owe {$100.00}. I agreed to pay it off once I received the bill. I had yet to receive a bill or any kind of statement ( it was just four days ago I had spoken to CA Dept of Insurance- and AWA placed another derogatory note on my credit!!! This was one was not overdue, and I had not received ANY written notice regarding the new balance or agreement. The info on the Derogatory claim on XXXX said it was due XX/XX/2019.!!! Not overdue, just due XX/XX/2019 AND it was for a higher amount than CA Dept of Insurance had given me. I paid the amount CA Dept of Insurance told me ( {$100.00} ) instead of the {$110.00} AWA had claimed. I am XXXX, and it's hard enough for me to keep things together without this kind of drama attached to my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-27
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have both private and federal student loan accounts. Payments have been made on time every month, but Navient credits only one account rather than allocating the payments correctly to each. They then charge late fees for what they state is overdue payments. I have asked them to correct this problem every 2 to 3 months through the 2017 year by calling customer service. They have failed to correct the problem. Payments continue to be misallocated every month. I have attempted to email requests for corrections and the customer service address from which their late notices are generated is not a monitored account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: Experian Information Solutions Inc.
State: WI
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:
what are these remarks by XXXX on my CREDIT REPORT EXPERIAN : Account previously in dispute - investigation complete, reported by data furnisher Good evening, XXXX. I'm XXXX, a supervisor in our Utah billing department. I apologize for the frustration you've experienced with your attempt to close the dispute with XXXX 's. Our intent is not to over complicate the request and I appreciate you bringing this to our attention. I can confirm that the dispute was closed as of earlier today. In regards to the remarks that you mentioned - all disputed transactions found in favor of the merchant must be reported " as disputed '' to the credit bureaus by XXXX. That would have been placed on your account with the dispute previously ; however, because the case was closed at your request, I will update that and you will receive written confirmation of the update via mail. Is there anything else I may assist you with at this time? 

I never knew a dispute with a credit card was reported to the credit bureaus and now XXXX is affecting my credit score it dipped 39 points in a month! Why are you reporting something and since the first dispute I won because that business refunded me I was in the right and I won the XXXX dispute too as the franchise owner sent me vouchers that equalled the whole amount of my purchase. So are you reporting false information to the 3 credit bureas? I will soon be buying a new home and you better be reporting this correctly as this is my livelihood. XXXX has been horrible to work with. I have NEVER had these issues with any of my credit card companies. XXXX is the best one I have and everytime I have a dispute especially if it under {$50.00} they simply credit me and a dispute is automatic. I do not have to email you people everytime to trigger it. Once I pay this credit card off I will not be using it. You have been treating me very poorly. The only reason I had XXXX is because of the foreign fees, but now you are affecting my credit scores and it is not acceptable. I will report you to the CFPB if you can not confirm HOW you resolved and reported to the credit bureas for the past two disputes.So you are stating you found the dispute to be in favor of the merchant? Ummm no the XXXX XXXX REFUNDED ME for the dispute I have records of my XXXX  case and everything and XXXX the same thing! I sent you a message twice for these when they sent me a credit stating that they gave me a credit. WHY ARE YOU FILING THE DISPUTE IN FAVOR OF THE MERCHANT?!

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 2021-10-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Portfolio Recovery Associates keeps calling me on local numbers after I have told them 2 times to stop calling me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-27
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a letter from the mortgage company, mr Cooper on XX/XX/2019 about an overage in my escrow account of {$8100.00}. The overage is actually {$6200.00} because I've been paying into an escrow account for years. They want me to pay {$1100.00} for 12 months to cover the overage which equals {$14000.00}. That is twice what the overage is and too much for me to handle. My mortgage payment went from {$1400.00} to {$2600.00}. I'm retired and live on social security.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07
Company: I.C. System, 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:
On XX/XX/2019 I submitted a request to XXXX for them to update and investigate inaccurate information from IC Systems that is reporting an account on my file that is from an account that I never opened with XXXX XXXX XXXX. They have been unable to send a contract from the original creditor showing the account is accurate and valid, while Transunion is completing their investigation after only 7 days. This shows that XXXX  is violating the 30 day rule and are siding with the debt collector without doing the proper investigation to verify the accuracy of this account on my credit report, due to this fallacy I ask that this account be removed from my credit report and for my information to be updated. If not then I have no problem with taking my case to an attorney for advice on this matter

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 2022-03-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received several emails from Bank of America stating that an account was opened in my name using my social security number, email address, and home address. I have spoken to bank of America on the phone and also went to their local branch, which is when I found out they had access to my social security and home address, and birthday. The bank instructed me to freeze my credit with the credit Union. My boyfriend froze his as well as a precaution with him being in the same household. We do not know what their intentions are, but are now very concerned knowing they have very personal information. I also received an email regarding changes to my unemployment benefits account which were made. I have not been able to get in touch with unemployment but am questioning that they may be related. The bank of America profile created with my information also stated that I worked for XXXX XXXX XXXXXXXX and I have never heard of or worked for this company before. The name on the profile was XXXX XXXX. I have never heard of this name before either.

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 2022-03-12
Company: Experian Information Solutions 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:
ALLEGED CREDITORS POSTING NEGATIVE INFORMATION ON MY CREDIT REPORT. 

These Companies Listed in ( Exhibit C ) of my ( Affidavit of Demand for Debt Validation and Records Correction ) ( Attached ) have reported invalidated information to any or all of the 3 major Credit Bureaus XXXX XXXX, Experian or XXXX ) which constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by these companies I will not hesitate in bringing legal action against you with FTC as well as any other relevant agencies for the following : 1 ) Violation of the Fair Credit Reporting Act 2 ) Violation of the Fair Debt Collection Practices Act 3 ) Defamation of Character 4 ) If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. 

Affidavit of Demand for Debt Validation and Records Correction

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