BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-26
Company: Avant Holding Company, 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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit report AVANT has violated my rights In accordance with the fair credit report. 15 U.S.C1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 602 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: SYNCHRONY FINANCIAL
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: Account status incorrect

Complaint:
This card was opened to put out of pocket XXXX costs on for my daughter in the amount of {$1200.00}. I went online and created an account when the first statement arrived in late XX/XX/2019 for ease of first payment that was due on or before XX/XX/2019. I first tried paying online thru my account and the option was not available. The chat was unavailable and the option to send a secure message was not working either. I then tried making a payment over the phone and it was not accepting debit card payments nor was anyone able to take a phone payment. I would call and sit on hold for 20+ minutes multiple times daily/weekly. This went on for a while and ultimately I got frustrated waiting to pay overdue balance. I have never had worse issues with making a payment to a credit card company as I did with Care Credit. I finally was able to get account current and made a few payments and the account was closed for new purchases by the creditor. This which was fine as I did not want to deal with this nonsense and the ability for them to impact my credit negatively. After numerous attempts weekly online, via phone I was finally able to get a payment made. Care Credit made it virtually impossible to make a payment and now I am being penalized which I think is a poor business practice. I am expecting that they retract the late payments that are showing on my credit report as this is of no fault of my own.

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 2016-07-12
Company: Big Picture Loans, LLC
State: FL
Product: Payday loan
Issue: Charged bank acct wrong day or amt

Complaint:
I borrowed {$600.00} from BPL and during the initial process I was told that the pay back balance would be {$810.00} with a monthly installment of {$210.00} via ACH payment. To my surprise BPL took the installment on every pay cycle that is the XXXX & the XXXX and the overall installment would end in 2017. So far I repaid {$630.00} and they advised that the pay off is in fact {$810.00} and the installment would incur fees which was never explained to me at the outset. I consider this evil and would like the Consumer Financial Protection Bureau to help with the following : 1.misleading information about due dates, fees, and total repayment amounts 2.incorrectly stating or implying that the finance fee was a one-time charge instead of an ongoing interest charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
There is currently an inaccurate item being reported on my credit report from XXXXXXXX XXXX XXXX I have never been late on this account and they furnished information to you stating that I was 60 days late during the month of XX/XX/2021 and 60 days late during the month of XX/XX/2021. Furthermore, they also claim that I have a balance of {$3000.00} left to pay and a High Credit of {$1500.00}. This information is false and incorrect. I have never been late on this account and I do not owe a balance on this account. I have contacted this company at the address listed on my credit report here : XXXX XXXX XXXX XXXX, CA XXXX. 
As you can see, I have uploaded a photocopy of my mail being returned from the post office due to an invalid address. Section 623 ( a ) ( 1 ) ( A ) prohibits furnishing information to any CRA if the furnisher knows or has reasonable cause to believe that the information is inaccurate. 
Given that the furnisher has provided false information to you about me, and provided you with a false address, I demand that the item information is updated to no late payments and a {$0.00} balance owed.

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 2019-12-31
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I have had Synchrony Bank, who owns my Care Credit credit card, for several years. More recently, they have been increasingly difficult to contact re : promotional balances. Their system is inherently flawed because you can not designate where you want your payment to go ( current balance vs. promotional balance ) and they default your  payments to go to your main/current balance almost ensuring that you will not pay off your promotional balance in time. In the past ( prior to 2018 I would guess ) contacting them via their internal messaging system or phone would be helpful, and the correction ( having them change the payment to go only to the promo balance ) would immediately show online. Now they tell you " 2-3 billing cycles '' and you can not tell how much you have paid to the promo balance by the time the next payment cycle has come, because their system has not caught up yet. Also, now when you call or send messages with their internal messaging service, you often get someone in XXXX. I understand the cost-saving of outsourcing, but when English is a second language the customer reps have not understood my requests for putting payments towards the promotional balance. This results in endless calls on a monthly basis to see how much I have actually paid, and repeated calls to hopefully get someone who understands English or is actually in America.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22
Company: FinCo Services Inc DBA Current
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I contacted current this summer to close my account and receive a refund. I was overcharged for fees and they continue to charge me fees. Also, they have not sent me a check for my money. I want my money back via a direct deposit to my bank or a check. I do not want gift cards. Please help me They owe me over {$500.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-22
Company: Amsher Collection Services, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
AmShaer is a debt collection company. The XXXX XXXXI received AmSher 's letter that I had the debt, but it doesn't provided the name of the company. After contacting by letter, I received AmSher 's second letter yesterday, informing that the creditor company is XXXX XXXX XXXX. 
I dont know above both companies, and I feel that my information may be leaked, so I complain them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have negative accounts that was open from fraud and I contact the credit agency Equifax and they are not applying at all to remove these negative accounts off my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: Experian Information Solutions 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 have recently reviewed my credit report and I would like to inform you of the inaccurate reporting on my creditfile. See list below. I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts. 
I am writing to request the verification of information regarding specific accounts listed on my credit report in accordance with the Fair Credit Reporting Act : Section 609.In pursuant to the FCRA section 609 ( A ) ( B ) ( C ) I would like the name, email address, the address and telephone number of the person who furnished and verified this derogatory information with Experian. Further I am also requesting verification of the dates, original payee information, amounts of any and all payments that led to this alleged debt being placed on my Experian consumer file.I am disputing and requesting full verification on the following accounts. 

It appears that thereare 10 - 14 installment accounts under XXXX  XXXX XXXX account number XXXX originated from a school that I never attended or enrolled at or agreed to attend. 
XXXX XXXX - account number ending in XXXX originated from a school that I never attended or enrolled at or agreed to attend. 
XXXX - account reporting opened in XX/XX/XXXX. 
XXXX XXXX XXXX - account reporting opened in XX/XX/XXXX XXXX XXXX/ XXXX - account reporting opened in XX/XX/XXXX. 
I would like to verify that these creditors obtained my information legally by requesting that they provide me with the original sources of the information they received. This should include the identity of the individuals who requested my credit reports, all original documents and agreements, and all other relevant documentation. If you are unable to get this information for me, please remove these items immediately since the accuracy of what is being reported to my credit file can not be verified. 

Failure to properly investigate the accounts listed above will result in a " non- verification '' which requires that the inaccurateinformation be immediatelyremoved from my credit file. 

If any item ( s ) return as verified please provide all records in regard to FCRA section 609.

I also understand that the Fair Credit Reporting Act - specifically 15 USC sections 1681i ( d ) and 1681j - requires that I receive both written notificationof the appropriate corrections and updated credit reports at no charge.

Thank you for your attention to 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 2015-05-11
Company: IQOR US INC
State: AR
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Allied interstate, ( while acting as an agent of dish network ), has failed to provide me with documentation relating to the claim from dish network that I dish any monies whatsoever, the request for documentation was sent to allied via USPS and was ultimately ignored. They have continued to call me, ignoring the FACT that this alleged debt is not valid, and that they have no proof of this debt whatsoever.

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 2015-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I saw that I have a collection from XXXX XXXX XXXX. I paid this and settled at least 2 years back. 

Thank you, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Hi I 've been having an error address in my credit report history for years now. It links my name with a XXXX State address at XXXX XXXX, I have never lived in that state, I have reside at XXXX, XXXX for all my life. I have made a police report on this matter years ago but nothing has been resolved. I have put my social security on a three months fraud alert every now and then. This address have had Fraudulent phone account and cable satteliite on my name before which i had disputed. I 've been wanting to fix this problem but i have hit brick walls with this issue, what else or whom can i speak to. Please someone help me i would like to build my credit score for future house owner but i am scare if someone will keep using my info for fraudulent activities. ME MYSELF CANT EVEN QUALIFY FOR ANYTHING LIKE MAGAZINES SUBSCRIBING OR CREDIT CARDS BECAUSE OF MY SOCIAL SECURITY ALERT THAT I HAD TO MAKE FOR FUTURE FRAUDS.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: Experian Information Solutions Inc.
State: SC
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:
XX/XX/XXXX I received an alert from XXXX XXXX regarding an account open requesting me to validate. Clearly it was not mine so I filed a complain with XXXX XXXX who provided a loan of more than XXXX XXXX  to purchase a car, file 2 police reports one in XXXX and another one in XXXX were the crime took place and same day I freeze all my credit reports with the 3 companies, and place fraud alerts. On XX/XX/XXXX I receive an e mail alert at XXXX from my XXXX XXXX lettings me know that they have block an inquiry with XXXX XXXX. On XX/XX/XXXX I call XXXX credit department as recommended by XXXX to ensure they had not provided any credit. 
I provided the background but here is the reason of my complaint. On XX/XX/XXXX at XXXX I received an e mail from XXXX letting me know that my e mail account had been changed. I called them immediately, as I tried to access my web services with my previous credentials without success, the CSR on the phone help me correct the situation, I question them HOW can it be so easy for anyone to change this type of information, she even provided me the reference of the phone number that called XXXX XXXX XXXX to make the changes. When she reestablished my account I notice that my credit report was unfreeze, so clearly XXXX doesn't have controls to protect our information. They only offer to have better protection was to buy there security services for {$4.00} per month " Good way to force the consumer ". I called Monday XX/XX/XXXX to file a complain and I couldn't because they don't have any records of this situation in their system? really? does this means that XXXX employees and involved in Identify Theft?. It gets better, the fraudulent bank account is not in my report anymore with them, but the bank hasn't clear it yet, how is this possible? I have like 10 hard inquiries on this issue that I have dispute more then 3 times on line and over the phone that they reject regardless that I have police reports. The other 2 companies are no different. BTW once I paid for the services, when I call they did now authenticate me with Biometrics and ask for ID. I really need help, I know doing the right thing is never easy, but it shouldn't be this difficult. I have spent more than 40 hours on this issues with all the government agencies involved.

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 2015-11-10
Company: Experian Information Solutions Inc.
State: NH
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I was sent a letter in the mail stating I could be approved for a loan of {$6000.00} by XXXX XXXX XXXX. I went down to the bank to apply for the loan and I was denied. Upon further investigation I discovered that XXXX XXXX XXXX had requested my credit report XXXX times prior to them sending me a loan offer on the dates of ; XXXX XXXX of 2015, XXXX XXXX of 2015, as well as XXXX XXXX of 2015. I did not authorize any of these checks into my credit and I refuse to allow their inquires to have a negative impact on my credit score. The representatives at their location was incredibly rude and argued with me despite the fact I have the information on paper right in front of me stating they pulled my credit score on those dates. I can be contacted by phone at XXXX or XXXX. I can also be reached at XXXXXXXXXXXX. I will do anything in my power to dispute these unauthorized checks into my credit score and I would also like this information to be passed along to the XXXX as this has been done illegally against my will. Please contact me if you need any information from me in regards to this matter as I will be more than happy to provide it to you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have disputed the XXXX XXXX XXXX account as well as the 10 year old XXXX account. I have attached an statement provided by XXXX XXXX XXXX to fill out because of the fraud on my account, I also made state with the internet crimes department. So this should not be on report. 
The XXXX account should have been deleted due to age. Also I have provided payoff letter provided by XXXX. Not sure how they state last payment made in XXXX, when it cleary states account was paid off in XXXX. They also sent me a document to see if I would pay XXXX % of the bill to clear matter. So clearly they have some type of issues knowing what to do quoth account. i have also filed complaint with the XXXX of Mn about this.

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 2020-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
RE : Request Investigation of Credit Inquiry on My Behalf Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed that your agency showed two ( 2 ) credit inquiries that I find to be problematic. 

The first inquiry in question was apparently made by XXXX XXXX on XX/XX/2019 and I have no recollection of doing any business with XXXX XXXX. 

I contacted XXXX XXXX, and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done. 

The second inquiry was made by XXXX XXXX. I do not remember working with XXXX XXXX. 

Please investigate these inquiries at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is  showing an accurate depiction of my creditworthiness. 

Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. 

Thanks for your prompt attention to 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 2016-08-16
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Currently working with a lawyer and the XXXX on an account with XXXX. They were paid off and yet are trying to collect $ XXXX in incorrect charges. I never received any information on the debt. Per the fair credit reporting act, they can not put an account past due if they never sent anything in writing. They never sent anything because I do n't owe it. XXXX used cars is illegally reporting the account as a collection when they have never provided any information about the debt. It was complete paid off.

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 2016-12-06
Company: COMPUTER SCIENCES CORPORATION
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I called to make the XX/XX/XXXX payment on my account. I verified that the payment would only be for the amount due in XX/XX/XXXX, but the customer service rep charged y my debit card double ( both the XX/XX/XXXX payment and for the payment due mid XX/XX/XXXX ). She said that there was an issue with the computer system, but when I spoke to the supervisor she told me that it was human error. I let them know that they have over drafted my checking account and left me with negative money in my account weeks before XX/XX/XXXX. They advised that they are not able to void the charge but they can have a paper check out to me in XXXX weeks!!!

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 2017-04-06
Company: Capital Accounts, LLC
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have repeatedly contacted this company to get them to verify that this account was mine. The information they sent me does not have my name, address or other information on it. They have violated FDCPA rules in debt validation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation