BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-13
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
Identity theft On Saturday, XX/XX/21 at XXXX pm I noticed that my cell phone did not have cellular service but could still access phone apps with wifi. I was unable to make or receive phone calls and texts. While using my phone, I accessed the Experian app and found 2 alerts ( XX/XX/21 credit inquiry from Experian for a XXXX credit card XXXX XXXX CO, and XX/XX/21 with a credit inquiry alert from XXXX for a XXXX XXXX credit card in XXXX FL ). The credit bureaus were closed for the day at the time I noticed the alerts. I called Experian, XXXX, XXXX, and XXXX XXXX the morning of Sunday, XX/XX/21 to report fraudulent activity. I did not request these credit inquiries. I also went to an XXXX XXXX XXXX store and learned my phone number was highjacked and a fraud alert was filed.

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 2019-12-17
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

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 2017-04-21
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
( Hunter Warfield Inc ), continued attempts to collect debt I do not owe.
I have disputed ( Hunter Warfield Inc ),   account number  XXXX  because the debt is not mine with the  XXXX   XXXX  credit bureaus on  XXXX ,  2017 ,  XXXX ,  2017 . But to no avail the item remains on my report an d ( Hunter Warfield Inc ), has not provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: EQUIFAX, INC.
State: AZ
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 the following accounts with no luck of having them removed. They are not my accounts. I have lived at my current address for over 10 years. I am a victim of identity fraud. I have never had a loan on my car, and/or a payday loan. One account is for electricity, but my electric bill has been under my mother-in-laws name for over 10 years. 

XXXX  XXXX XXXX {$710.00} XXXX XXXX XXXX {$5400.00} XXXX XXXX XXXX {$420.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17
Company: Tribal Lending Enterprise, Inc.
State: IA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
This company charges over 500 % interest per annum ... Iowa 's cap is 36 %.

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 2019-11-19
Company: SUNTRUST BANKS, INC.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
SunTrust fraud case # XXXX My card number was stolen and the perpetrator used my card on three separate occasions in California . I filed claims on each transaction and the first two were honored. Although our son has used XXXX, he did not on the day of this charge. However, SunTrust denied the claim. 

I do not understand the rationale behind the decision when it is obvious this is fraud.

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 2017-04-21
Company: DISCOVER BANK
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
enormousI was notified by my employer about a possible wage garnishment regarding a judgement I had never made aware of. I was shocked when I found it this legal action was filed in  2012. I  was not properly served, and I have a very strong suspicion that they purposely lied about whom they served in order to push this lawsuit through and obtain a default judgement. Furthermore, the law firm has engaged in unfair and shady practices by attempting to use outdated writs to try to seize my property. When I spoke with they  XXXX   XXXX   XXXX , and asked them why they did n't serve me personally or attempt to contact me back i n 2012 to resol ve this, they were extremely rude and condescending. The debt has grown to enormous amounts and it is a clear attempt to use the legal system to inflate the debt and force me into paying close to triple the original balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
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: Account information incorrect

Complaint:
I settled this account back on XX/XX/XXXX however, XXXX has failed to update my credit report after 2 months to show a {$0.00} balance is owed. 

I received a confirmation that my settlement was processed successfully by XXXX XXXX XXXX payment service. 

See below. 

From : XXXX Date : Mon, XX/XX/XXXX at XXXX AM Subject : Payment Confirmation To : XXXX Dear XXXX, XXXX, Thank you for using the XXXX XXXXXXXX XXXX XXXX XXXX. This is to confirm your authorization, on XXXX XXXX at XXXX, for electronic debit from your funding account payable to XXXX XXXX XXXX. The following account ( XXXX ) will be paid, in the total amount of {$4900.00}. 

Account Number : XXXX Confirmation Number : XXXX Effective Date : XXXX XXXX Payment Amount : {$4900.00} The payment will be completed on effective date or shortly thereafter. 

Thank You, XXXX XXXX XXXX RIGHT TO REFUND " If you, the customer, are a resident of California, you are entitled to a refund of the money to be transmitted as the result of this agreement if XXXX XXXX XXXX XXXX does not forward the money received from you within 10 days of the date of its receipt, or does not give instructions committing an equivalent amount of money to the person designated by you within 10 days of the date of the receipt of the funds from you unless otherwise instructed by you. If your instructions as to when the moneys shall be forwarded or transmitted are not complied with and the money has not yet been forwarded or transmitted, you have a right to a refund of your money. If you want a refund, you must mail or deliver your written request to XXXX XXXX XXXX.* at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. If you do not receive your refund, you may be entitled to your money back plus a penalty of up to {$1000.00} and attorney 's fees pursuant to Section 2102 of the California Financial Code. '' * XXXX XXXX XXXX XXXX is a third party vendor facilitating the money transfer on behalf of your service provider.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08
Company: EQUIFAX, INC.
State: MO
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 used to own three XXXX XXXX XXXX. At some point one of my ex managers used my information WITHOUT my approval or signature to open accounts without my knowledge. There are now two accounts from XXXX XXXX reflecting negative information on my personal credit reports. I have filed a police report addressing the problem and have contacted the credit reporting agency. XXXX XXXX still refuses to remove the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-03
Company: Credit Card Receivables Fund Incorporated
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Debt is from a credit card that was discontinued several years ago. Since that time I had attempted to file for bankruptcy but my lawyer died and it was never completed. I had no contact from collector for years and forgot about the debt. In   XXXX    , I was notified that I not only owed the amount previously due  ( which was close to {$6000.00} ) but owed a total of over {$20000.00}. A court settlement was completed without any real chance to dispute and my paycheck has been garnished since. I have paid over {$9000.00} since this settlement and still owe over {$20000.00} due to interest. I am the only person in my household that is currently employed and know very little about how to dispute these charges. I need help with getting this paid down and off so that my wages can go back to normal and my credit can begin to recover.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
On XX/XX/21 I received correspondence from Citibank in regards to their privacy policy - however no one answers their phone when calling the number on the letter I will be attaching that you can actually speak with. 

Im re : to that privacy policy on the last three choices where it says can you limit the sharing - and citi says yes just call them ( which I have with no help ) I want them to not share in reference to the last 3. 
Ex : For our affiliates everyday business purposes I dont want that shared nor do I want For our affiliates market to you shared as well as for our non affiliates to market to you - I dont want that shared either. Please have citi update this Bc I cant get a hold of them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-13
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Shopping for a loan or lease

Complaint:
I had applied for a furniture loan from  XXXX   XXXX   XXXX  in  XXXX  Massachusetts. They have a promotion going and I feel its a fraud when it comes to loans. Everyone that applies for a furniture loan gets denied during this promotion. I tried on my own. got denied I tried with a cosigner got denied. I had a sister try by herself who has a  XXXX   credit score a nd makes  XXXX  a year got denied. So basically their only wanting you to pay cash for the furniture during this promotion. I should have the right to opt out of the promotion and just get loan for a   XXXX   couch. I contacted the company and no response for the decision

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21
Company: Genesis Credit Management, LLC
State: CA
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:
XXXX XXXX XXXX in WA falsely claims that I moved into an apartment in XXXX, WA with new carpeting and new flooring which is a lie. They claimed I destroyed the apartment 's interior and the carpeting and flooring in the kitchen and bathroom had to be replaced. This is also a lie. After thoroughly cleaning the unit XXXX cleaner than when I moved in ), I contacted my landlady at XXXX XXXX to get my {$1800.00} deposit back. After a few months, I started getting calls from a collection agency. I learned that my landlady had left XXXX XXXX XXXX. I never signed an initial lease agreement - and wonder if my signature was forged ... Anyways, I should get my entire deposit back just because of this. Also, I was n't informed that I would not be getting my deposit back. I provided notice of leaving the unit on XXXX XXXX, XXXX and my lease ended XXXX XXXX, XXXX. XXXX XXXX XXXX put this into collections on XXXX XXXX, XXXX! I learned that XXXX XXXX XXXX refurbished my apartment ... using my deposit money and putting the rest into collections. I then learned XXXX XXXX XXXX has done this to MANY people. I ca n't find a lawyer to help me because the total ( deposit + collections ) only comes to about {$2500.00}. Small claims court will not take my case over the phone, the Attorney General 's office does n't get involved in anything rental related. I refuse to pay for this ... and, in fact, I 'd like my deposit back. I literally heard of filing with the FTC through WA 's FBI. As mentioned, they 've pulled this scam with lots of people. There are many complaints filed with the Better Business Bureau. TenantsUnion.org is well aware of this problem in WA. I tried working this out through XXXX of XXXX mediation but, XXXX XXXX XXXX blew us all off ... twice. I 've been trying to resolve this matter for almost a year. I ca n't believe this scam is on-going and no one seems to be able to do anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: Phoenix Financial Services LLC
State: FL
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 been receiving repeated phone calls from Phoenix Financial XXXX XXXX, Indiana ( XXXX ) XXXX on my cell phone trying to reach somebody named XXXX XXXX. This has been going on for about 2-4 times a month for three years and Ive spoken on my phone dozens of times to them and theyve always agreed to take my cell phone number off their list but each time they have lied and didnt take it off their list at all. 
Ive never heard or do I know XXXX XXXX, he is not a friend, family member or acquaintance. 
Phoenix Financial Services uses a variety of Texas local phone numbers, the last being ( XXXX ) XXXX, when calling me and they always say or have a recorded opening that they are Phoenix Financial Services and that they are trying to collect a debt. 
I got my cell phone number ( XXXX ) in 2017 when I switched phone carriers ( XXXX ) in a move from XXXX to XXXX. My previous cell phone XXXX phone number was XXXX. 
I have asked them to stop calling or I will report them to the government many times and yet they continue to call me. I dont know what to do as they are constantly interrupting my day with their phone calls and it must stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18
Company: URS Holding, LLC
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have previously had this collection removed from my credit bureaus ... however, it is now being reported again under a different company by the name of  Alltran Education. I  do not have any contracts with this company.     As previously noted when this account was removed from my credit report, all of my communications have been with  XXXX   XXXX  University (  XXXX   ). T hey wrongfully submitted my account to collections while I was under a payment plan with them, and refused to pull it back. all supporting documents were submitted in the prior disputes. Alltran, the new collections company, contacted me to continue payments, I have been in communication with them for this student account balance, and specified to them this was the last of my balance with  XXXX  -- I previously paid out of pocket over  XXXX  to  XXXX , and this balance was the last of what was owed, which payments were being made on.. I told Alltran all payments would be made online to the creditor. however right after speaking with them, they reported it to my credit report. which appears to have been done out of spite after me telling them I would not pay them directly and it was being handled with  XXXX . I do not appreciate unethical business practices when I am already attempting to take care of this matter that should not have reached this point in the first place.  XXXX  improperly reported my balance, and breached their agreement by sending it to collections, which is why this account was previously removed from my credit report in the past. Furthermore, Alltran reporting this to my credit bureau as a " threat '' because I informed them I would not pay them directly ( probably because the representative would not receive commission for it ) is completely unethical.  XXXX  has previously taken responsibility for not properly handling my account.     Because  XXXX  has caused this much trouble for not properly handling my account, even still after the prior disputes, I have contacted a lawyer as well to handle this further.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14
Company: PREFERRED MORTGAGE CORPORATION
State: TX
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
I received a closing statement from a Mortgage Bank in Puerto Rico called Preferred Mortgage. I am one of the heirs and was not part of the transaction or the negotiation of terms and conditions. The statement states that the closing already happened and it is my believe that the closing costs are inflated. In the statement it states that the seller will pay for all closing costs and I was not part of this decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17
Company: ONEMAIN FINANCE CORPORATION
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
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:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX sold my loan and it is showing on my report that it is an open loan I have contacted them twice to remove it and they have not. It is stopping me from trying to refinance

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 2021-12-13
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: Was not notified of investigation status or results

Complaint:
On XXXX I sent a letter regarding inaccurate and unknown items on my credit report. It has now been 60 days since I have sent this letter to investigate further into These items as they are not validated to be specifically mine. Section 611 ( a ) states that failure to investigate these items with in 30 days gives a reason to immediately remove these items from my report and once again, it has now been 60 days!! So both items need to be deleted immediately or I will file for litigation due to the XXXX you caused me!! Further, I need the letter I sent responded to with ALL the questions answered.

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