BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-19
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
XXXX showing three accounts on Experian that XXXX can not validate or locate. please see uploaded statement

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 2015-07-01
Company: Financial Credit Service, Inc.
State: OR
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
Called and told my employer that they were calling on a legal matter. When I was passed the call, I was told by XXXX XXXX of ARA , Inc. that she was contacting me and my employer to notify them of a judgement against me in the county in which I live. First of all, she herself stated the debt was charged off XXXX ( which is a lie ). Secondly, I have never been notified of any court proceedings because there have been none. I have received numerous threatening letters and harassing calls even after requesting they do not contact me at work again. That debt was 7-10 years old XX/XX/XXXX and I have lived in Oregon for the last 12 years ( in XXXX ). These people need to be dealt with. This abuse is not allowed by the Federal Government or any State in the United States

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: CCS Financial Services, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/22 I sent a debt verification letter, which I will attach. I requested MULTIPLE items to verify that it was really my debt. I do not recall this debt owed. The item they sent back was simple, did not include what I requested at all ( I attached the ONLY item they replied with ) I requested an itemized final bill, a copy of the written agreement or promissory note I signed relating to this purported debt, when the debt was obtained by CCS, the amount they purchased the debt, the creditor 's address and name etc. 

In BOLD text I requested " physical verification of the original signed consumer contract '' I also requested details on their agency if they have a collection license in my state and if they are out of state their license number.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24
Company: EQUIFAX, INC.
State: MA
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 been filling dispute and was told that inquires would be removed a year ago

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07
Company: Paypal Holdings, Inc
State: NE
Product: Money transfers
Sub-product: International money transfer
Issue: Other transaction issues

Complaint:
On XXXX, I was in contact with a manufacturer for some items out of XXXX XXXX, and we agreed on XXXX payments ( XXXX for {$150.00} transaction ID XXXX and XXXX for {$120.00} transaction ID XXXX ). The items have not been made, they have not been shipped, the manufacturer wo n't send pictures of the items because they items do not exist, and all I get is excuses. I had originally been quoted 30-45 days from date of first payment. As of XXXX, I was told the items were turned back at customs. I reached out to PayPal for a dispute, but since I was assured on day 15 of the 20-day window for the dispute the items would be done, the dispute was closed. XXXX, I reached out to PayPal and they told me they wo n't open a claim because I did n't follow up in the 20-day timeframe, and my bank only allows disputes after 60 days of initial transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05
Company: Statebridge Company
State: IL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
My realtor and I started working on a short sale and when we called initially they told us there was no auction date and to submit all necessary docs. All of a sudden an Auction date was set for XXXX XXXX and we were not notified, instead they kept asking for more and more updated documents. We submitted a complete package with a willing and able buyer willing to negotiate and they declined our file and stated that the lender denied the offer and was proceeding with the auction. We are in belief that this is not being handled property and that there has to be an opportunity to continue with a short sale since we were told we could. I believe that I am being discriminated against and not being given the assistance/options that the lender has offered. Auction is set for XXXX/XXXX/15 and looking to postpone so that our file can be reviwed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: SYNCHRONY FINANCIAL
State: GA
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:
unauthorized inquriy

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 2022-04-20
Company: EQUIFAX, INC.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
I have a credit card with Synchrony Bank, a PayPal Smart Connect card. 
( 1 ) On the PayPal Smart Connect card I have been making bi-weekly payments in the amount of {$75.00} ( {$150.00} per month ). My balance has been steadily decreasing and on XXXX XXXX, 2015 my balance was {$650.00}. I got a letter from Synchrony stating that they were lowering my credit limit from {$1100.00} to {$660.00}. I had made {$75.00} payments on XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. I have used the card for only one {$50.00} purchase. On Tuesday, XXXX XXXX, I checked my balance and it was {$700.00}. I had been charged a late fee pushing me over my credit limit and then they charged me {$14.00} interest on a balance of {$670.00}. Keep in mind I 've paid {$300.00} toward this card since XXXX XXXX and I have used it for only XXXX {$50.00} purchase. 
When I called to complain on XXXX XXXX, 2015 the representative said " Congratulations, we were able to help you by moving your XXXX XXXX payment to XXXX and removing the late charge bringing your balance to {$670.00} ''. The late charge should never have been applied to begin with and my new balance is now still more than I owed on XXXX XXXX ( I 've made XXXX additional payments since XXXX XXXX and I have n't used the card in XXXX ). My new balance should be less than {$650.00} which was my balance at the beginning of XXXX. 
( 2 ) Since XXXX XXXX I have made {$300.00} in on time payments, have not used one time ( {$50.00} ), show no purchases for XXXX on my statement and yet my balance has gone up by {$50.00}. How can I pay {$300.00} toward a XXXX balance, make XXXX {$50.00} purchase in XXXX and end up with a {$700.00} balance on XXXX XXXX? In addition to fraudulently charging late fees and costing me money they have caused my credit score to go down by constantly lowering my credit limit even though I pay on time ( more than the minimum ) and have steadily been paying down the balance. 
( 3 ) Synchrony is robbing people by charging huge interest rates of 29.66 % and then playing around with people 's credit limits causing them to go over limit and incurring additional late fees and interest fees on the late fees plus causing a negative impact on credit scores. I have my payments set up to go automatically every two weeks and I check my balances on the first of every month. My balances have slowly but surely been decreasing and now all of a sudden I 'm over limit and have been charged a bunch of fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08
Company: Municipal Collections of America Inc.
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I was contacted by MCOA and was notified that I have a debt for XXXXXXXX for XXXX XXXX XXXX XXXX ticket. I informed rep that I have not received written notice from XXXX XXXX PD or MCOA stating this debt and until I do, I will disregard any debt collection attempts by phone. I called XXXX XXXX PD and requested original citation be sent to my address. This was done and received on XXXX XXXX, 2015. I have yet to receive validation of collection for MCOA attempting to collect a debt. This information has been reported and is now on my credit report. I do not have an issue paying the original balance. However, I find it odd that a collection agency finds it appropriate that they can collect funds over the phone without validation of debt in writing to the consumer. I still occasionally receive calls, however, I will not be responding until I receive a written validation of debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24
Company: Experian Information Solutions Inc.
State: NC
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:
XX/XX/2022 got my credit reports and XXXX and experion had report accounts and address that did not belong to me so I disputed the accounts and addresses that did not belong to me and I did the dispute twice and they still have not removed the address or accounts the accounts arXXXX 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 XXXX XXXX XXXX XXXX XXXX I called all these creditors and was told that these accounts belong to a XXXX XXXX XXXX and NOT XXXX XXXX XXXX and that they need to remove the accounts asap also there two address that are not mine XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX also needs to be removed asap

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 2016-09-26
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Good morning, As a single woman who pays her home mortgage, it has become very difficult to keep on time most months. I have asked Ocwen at least three times to modify my loan. They make me go through so many signing of documents and in the end, the answer is no. The first time it was because " they owner of the loan did not participate in the HAMP program ''. Now this time because I am not delinquent! I have to pay them {$85.00} because I am late by a week or two, so they do not consider this delinquent then!!! This is a very frustrating experience with Ocwen. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am a victim of Identity Theft. I was out with a few friends at the casino, and misplaced my purse. My card was not on the table where I was playing the slot machines, and when I went to go look in the reception, no one had claimed to return it. I have noticed a lot of items on my credit report are not mine and believe someone has access to my personal information and has been pretending to be me. Please investigate this matter right away. Thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
According to my research about FCRA 605, credit bureau are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that CREDIT BUREAUS must remove are listed below : XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX SELFREPORTED XXXX Balance : {$280.00} ; XXXX SELFREPORTED XXXX Balance : {$220.00} ; XXXX SELFREPORTED XXXX Balance : {$190.00} ; XXXX SELFREPORTED XXXX Balance : {$21.00} ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2016-09-28
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
There is an incorrect address on my Equifax credit report that does not and never has been my address.. XXXX , OK I looked this address up and online as a XXXX office.. Why would this happen?? 

Please remove for me, and inform me once completed. 
Thank you very much for your assistance!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have outdated information on my credit report. Accounts are not reporting currently and last updates were XXXX 2015. It also shows my mortgage with XXXX XXXX as CLOSED and it is in fact OPEN and current! 

Their is a block on promotional marketing ( pre qual, pre approve, etc ... ) and I have requested at least 15 times to opt in to these and they wo n't remove the block. My address is incorrect and not reporting correctly and they refused to change it even after I submitted my documents

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22
Company: DISCOVER BANK
State: NM
Product: Credit card
Issue: Rewards

Complaint:
I placed an order at XXXX by linking to the XXXX website through the Discover Card ShopDiscover website. The offer stated that I would receive 5 % cashback bonus if I linked to the merchant 's website and made a purchase. I did so, but I did not receive the cashback bonus. I contacted Discover to resolve the issue, but they still did not credit my account for the cashback bonus. I feel that their cashback bonus offer is deceptive and that they do n't do enough to credit their customers ' accounts. I should n't have to follow up constantly to see if my cashback bonus offers were properly credited. I feel that the company is willfully deceiving people.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16
Company: DISCOVER BANK
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:
In XXXX, Discover Card Services hired the Law Firm of XXXXXXXX XXXX XXXXXXXX to file a lawsuit against me for an outstanding credit card debt. I was not aware of this debt or of the court filing nor was I ever served. The law firm presented documentation to the court that I was served and a default judgement was granted. In XXXX, my wages were garnished and became aware of this judgement. At that time, I contacted the law firm who was uncooperative and refused to provide any additional information. As recommended by the Sherriff 's office, I filed a Claim of Exemption in which XXXX XXXX XXXX did not respond. In XXXX, I became aware that an extension was granted to extend the original judgement. Again, I was not served and did not have knowledge of this filing. I immediately filed a Motion to Vacate that judgement, however, at the hearing, the judge made a pre hearing decision to deny my motion. I again, contacted Discover Card 's attorney for proof of this debt but they refused to provide that information. I then contacted Discover Card Services directly and requested proof that this debt belonged to me and that is was a valid debt. I advised Discover Card that I had a credit card with their company that was opened in XXXX but has long been closed. The judgement was against a card in my old married name and was ( per Discover Card ) opened in XXXX. Discover Card advised me that they would open an investigation for fraud and advise me of their decision within 90 days. On XX/XX/XXXX, I received a letter from Discover Card stating that the debt was valid. " Our records reflect that the account was opened in XX/XX/XXXX. The account was applied for via the internet, and a name, address, and social security number were provided so that we could process the application. '' Discover Card also advised that have not sold this debt. On XX/XX/XXXX I sent a reply via XXXX Mail requesting proof that this debt belongs to me and as the original creditor that they instruct XXXX XXXX XXXX to provide proof that this debt belongs to me. The file has remained open since the original court filing and should contain proof of debt. Discover Card has not responded to my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13
Company: Experian Information Solutions Inc.
State: ND
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am a victim of identity theft and someone stole and used my personal information to open a fraudulent and unauthorized XXXX checking and savings account : XXXX, that do n't belong to me. I have never had or opened a XXXX checking account. I have attached a police report and other documents to 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 non-monetary relief
Consumer complaint received 2015-09-14
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Experian has been reporting an account with XXXX. Bank in the amount of {$280.00}. I have disputed this account with them numerous times and each time I was not provided with the actual verification documentation used to verify this account. This account was paid in full. Experian has the burden of proof to ensure the information reported is correct. They have not done this. I have an attorney on standby should this zombie account remain on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-22
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
On XXXX XXXX, 2015 I disputed XXXX unverified items from my Experian consumer credit report ( copy attached ). I received the results from my Experian consumer credit report but Experian had only responded to XXXX of the XXXX unverified items dated XXXX XXXX 2015 ( results copy attached ). 

Experian has failed to re-investigate the accounts disputed, failed to provide the documentation or names of the persons who verify the accuracy of the accounts currently reporting on my consumer credit report, Experian has not deleted all unverified accounts within XXXX days as the Law requires under Section 611 of the FCRA. Experian has not properly verified or investigated any accounts I disputed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-16
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Experian continue to maintain inaccurate account information for XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. I have provided sufficient information to prove to them that the account status information for both accounts are grossly inaccurate as well as not showing the accounts being discharged in bankruptcy.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation