BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-02
Company: Sequium Asset Solutions, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
MY CONSUMER RIGHTS ARE BEING VIOLATED BASED ON SECTION 609 OF THE FCRA AND 15 USC 1692G. I HAVE NOT BEEN PROVIDED PROPER DEBT VALIDATION IE CONTRACTS THIS ACCOUNT IS HINDERING MY FINANCIAL WELL BEING EXTREMELY I HAVE CHILDREN IN WHICH I NEED TO PROVIDE A HOME NA D LENDERS DONT WANT TO GIVE ME A HOME BECAUSE OF THIS ACCOUNT

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: SYNCHRONY FINANCIAL
State: NE
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
In XXXX, I attended a wedding in XXXX at an all-inclusive resort. I paid for a double occupancy room. When we arrived, we were charged an additional {$140.00} for the second person even though the room was prepaid. After the wedding, the wedding planner tried to resolved the issue with the hotel. They said I needed to provide my full credit card number and information via email. I was not willing to provide the number over regular email ( not secure email ). Instead, I disputed the charge through my credit card company. Even though the hotel had already admitted that a refund was owed, they provided information showing I was there and therefore the disputed amount was not returned to me. With no other options available, I just stopped using the credit card. Recently ( letter dated XX/XX/XXXX ), I received another letter from Synchrony Bank asking about this charge and if I felt the inquiry was handled correctly. Obviously it was not. When I called the phone number provided, it reaches Synchrony Bank but is disconnected.

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 2015-09-28
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a collection notice from ERC XXXX Enhanced Recovery Company ) in XXXX, FL, and it appears that XXXX is billing me {$260.00} for a service I never received. In XXXX 2014, I ordered internet service from XXXX XXXX and they set up an installation appointment. No one ever came out to my residence to install XXXX XXXX internet service. I waited three weeks after the installation appointment thinking they would call me to reschedule ; however, they never called so I called them and XXXX of their sales agents told me they did n't even have service in XXXX XXXX, Texas, and that they would cancel the order. The original sales agent never told me they did n't have service in XXXX XXXX, Texas. Just to summarize, I never received any type of service from XXXX and I have a collection agency called ERC trying to collect a debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XXXX 2021 until today i recognize a lot of mails and phone msg and phone calls about incurrence company of health, home, auto motor, Checks loan and death ..., been calling me and i who ever took the money at my account of bank of America got my all information i think and he be receive my emails i been get some of them and some i dont get it and i call the police about that and i make a report like golden XXXX XXXX at XXXX in XXXX XXXX XXXX call me and said im ready to bring a XXXX $ to get a car but when i went it was all wrong and he was lying too and i make report about him but he get my information from the applying that other people make it and i went to go see how and why it was at XXXX but he already check my account from XXXX and ask banks and loan company for credit without my permit and more then that too i been screenshot and try to collect the most but its alot of scam under my ssn and my id and i cant even know because i dont receive mail or all of my mail i really got no even XXXX $ now or job because some one steal my legal paperwork and id from my mails and my home and i report the most and any place i can claim with it and im still waiting from bank of America to respond about my first claim of my XXXX $ that took from me i really just want all this scam and fruad to stop under my name so i can have goals and start my college ...

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 2017-05-23
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I have disputed  XXXX   XXXX   XXXX  numerous of times on my credit report with Experian and  XXXX . It is showing as an repo on my credit. I have asked for debt validation from both CB 's and orginal creditor. I have asked for an copy of the orginal contract. I have called the creditor and was informed that they have no trace of the contract that an agent will request to see if the warehouse has it. That was on  X/XX/17   . On  X/XX/17    I called back and the agent told me she doesnt know why but there isnt a contract on file. This is creating an hardship and I will proceed to sue if this error isnt corrected. Experian and  XXXX  is going against the FCRA by not looking into my disputes.

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 2022-04-14
Company: Experian Information Solutions Inc.
State: FL
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: Other problem getting your report or credit score

Complaint:
Hello, I have been trying to contact all three credit bureaus to get the Security and fraud alerts removed. I have had no success with getting anyone on the phone and their automated system has not been working out well for me. Please remove those alerts asap so that I can move into my apartment. 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 2020-04-02
Company: Experian Information Solutions 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:
XXXX XXXX has been deleted according to my documents in the past couple of months and was resent to the credi bureaus?

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 2017-05-23
Company: MIDCOUNTRY FINANCIAL CORP
State: MN
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 have  XXXX  hard inquiries on my credit report that I have been done without my consent.  XXXX  from  XXXX    XXXX      XXXX   XXXX   dated  XXXX   XXXX   2017,   XXXX  from  XXXX   XXXX  dated  XXXX   XXXX    XXXX   and  XXXX  from  XXXX   XXXX  dated  XXXX   2017

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: EQUIFAX, INC.
State: AL
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 am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: Upgrade, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I have an upgrade credit card. I called them twice to close my account. Each time they said they closed the account, and I will receive an email within 48 hours. However, I never received any emails, and they never closed my account. I have a gut feeling that this company is a fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 mailed a certified Letter to Transunion Credit Bureau, that was received XX/XX/XXXX by the Bureau. The Letter expressed that I have several unidentifiable hard inquires on my report that was not requested by me. Also attached to the letter was a copy of my credit report, Police report, as well as my Social security number. On XX/XX/XXXX, I received a letter from Transunion stating that my info was received but didn't appear that me or a properly authorized third party sent the letter. XX/XX/XXXX I called Transunion via phone to prove my Identity, but the call fell on death ears. I was referred to send another police report. I Just pray this situation is handled its really taken a toll on my life. Below Have provided the dates and hard inquires. 

Factual Data XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2022-04-14
Company: EQUIFAX, INC.
State: FL
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: Other problem getting your report or credit score

Complaint:
Hello, I have been trying to contact all three credit bureaus to get the Security and fraud alerts removed. I have had no success with getting anyone on the phone and their automated system has not been working out well for me. Please remove those alerts asap so that I can move into my apartment. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Upon checking my credit report I noticed that there are two accounts from XXXXXXXX XXXX with two different account numbers being report on credit report. Account # XXXX and Account # XXXX.I only have one account with XXXXXXXX XXXX  which is Account XXXX XXXX. I never applied for a second account. Somehow this second account seems to be a duplicate account of my current one. Included is a copy of my current credit card statement with accurate account number. According to the fair credit reporting act 15 USC 1681 : I have the right to privacy, 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my writmen instructions. 15 U.S. Code 1681i Section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15
Company: KEYCORP
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
discriminate against any applicant, with respect to any aspect of a credit transaction, on the basis of race, color, religion, national origin, sex, marital status, or age ( provided the applicant has the capacity to contract ) ; [ XXXX ] to the fact that all or part of the applicant 's income derives from a public assistance program ; or to the fact that the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The law applies to any person who, in the ordinary course of business, regularly participates in a credit decision, including banks, retailers, bankcard companies, finance companies, and credit unionsXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17
Company: EQUIFAX, INC.
State: CA
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:
On Monday  XXXX , I went to  XXXX  in  XXXX , California to purchase a replacement  XXXX . Because we were unable to access the system with my  4-digit p asscode, I telephoned "  XXXX  '' for assistance. The  XXXX  service person attempted to sell me the  XXXX   XXXX   service and of fered {$300.00} credit. I said no thank you ( as I already have   XXXX   XXXX   ) .. Upon hearing the 'no thank you ' response, I was informed by the service person that she could not assist with the passcode.     On Tuesday, I received a  XXXX  notification of a credit inquiry by  XXXX   XXXX . This credit inquiry, to verify my credit worthiness for  XXXX   XXXX , was not requested and it was not authorized. Because credit inquiries have an adverse impact on credit scores, each and every inquiry should be authorized by the individual consumer. NO company should have the privilege of impacting someone 's credit score without clear authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I've submitted proper documents to show that I was the victim of identity theft. Nothing has been fixed or removed from my credit. They are not responding. This is impacting my score and life.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: Dynamic Recovery Solutions, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I received a letter dated XX/XX/2021 regarding an alleged debt in the amount of {$2000.00}. I do not believe that I owe this, and I dispute it. 
In accordance with the Fair Debt Collection Practices Act formally known as and codified under 15 USCA 1692 ( a-p ), I am asking for, and you are required to provide me with the following information : a ) Why do I owe the money? 
b ) How this amount has been calculated in a way I can understand. 
c ) Copies of the papers where I agreed to pay what you say I owe. 
d ) A copy of the judgment, if applicable. 
e ) Name of the original creditor. 
f ) Demonstrate that you are licensed in my state, and provide this license number to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-13
Company: Paramount GR Holdings, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
My loan was closed in fraud, in my opinion. 
I had from the start of the loan process stated that items on my credit report were not mine or in the process of resolve. I was told on several occasions that those items would be removed from the final closing statement, and was told to just sign the paper work. 
When the final closing paperwork came, it still had the items on it, I penned my initial and struck each item that was to be removed. Once again I was took to just sign the paperwork and their company would make the adjustments. 
As of this date the loan company is holding monies on items struck from the closing statement and I 've tried to get resolve, but have been stonewalled by the persons doing the loan and their Georgia Supervisor. 
At this point I feel I 've been screwed, by a predictor mortgage company. 

Please Help, 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 2021-11-02
Company: CITIZENS FINANCIAL GROUP, INC.
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
Citizens One Bank is in violation of the Cares ACT Forebearance by not letting me taking advantage of it. There are 18 months to use under this act. This bank is stating that I have been in forebearance for 17 months which is not true. I had a forebearance for 2 months last year which was paid in full and my account was taken out of forebearance. I requested another forbearance this year in XXXX up until now ( 4 months ) and they tell me my account has been in forebearance which is not true ; It has only been in for 6 months. They told me I only have one month left to do a forebearance. I did not request a 17 month forebearance and had no knowledge while I had been previously paying my bill before this second forbearance. They are violating the CARES ACT by continuously running a forebearance on my account I was not aware of. They will not correct it and allow me to take advantage of the CARES ACT. 

This bank is also reporting false information on my account that it is delinquent today. They wont answer the phone to take my call when I am trying to get my account fixed. The supervisor hung the phone up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Please remove outdated information from credit report, information is inaccurate and outdated, this is stopping me from progress, This is not my first time contacting you all about this, thank you to whoever can help! God bless you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: Paramount Recovery Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I need some help, there is a collection listed which I do not owe nor does this belong to me. I have disputed this with nothing received in return. Please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 

I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. 
If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
It would be advisable that you and your client assure that your records are in order before I am forced to take legal action.

Company response to consumer: Closed with explanation