BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-31
Company: Experian Information Solutions Inc.
State: PA
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible.Accounts : Experian XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXXXXXX Balance : {$2800.00} XXXX XXXX  XXXX Balance : {$28000.00} XXXX  XXXX XXXX Balance : {$7100.00} XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX Balance XXXX {$1900.00XXXX XXXX XXXXXXXX XXXX Balance : {$7100.00} XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXXXXXX Balance : {$28000.00} XXXX  XXXX XXXX Balance : {$7100.00} XXXX XXXX Balance : {$1300.00}

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 2018-03-20
Company: Credit Protection Association, L.P.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX was doing bad business. Only providing the signature page to sign but not providing a copy of the contract for the consumer to be aware of the policies of doing business with said company. I asked for a copy of the contract upon signing and I was delayed and dismissed to pack away my belongings in storage before they close. Then later told by XXXX XXXX the office has already been shut down all systems are off. I can get the contract when I come back another day. Upon the first attempt to pay for the storage unit, my account acquired fees that were not made clear upon entering the contract. I was then told they do not accept partial payments, although just {$10.00} short, they refused payment. By the next bill cycle the amount doubled with legal fees, etc. I was threatened my items would be auction next. XXXX XXXX was informing me that's why he is in he office at the moment, to prepare paperwork for units to be auctioned. My unit was put for auction and I petitioned an Order to Show Cause in XXXX XXXX Small Claims Court. I was sent an e-mail from XXXX XXXX manager of XXXX XXXX on XX/XX/XXXX to collect my belongings by XX/XX/XXXX at no charge. I received my things within the time frame given, I asked for paperwork for all the transactions between me and the company. I was denied, told by XXXX XXXX I have my belongings no further actions will be taken. I can drop the case. Then XX/XX/XXXX I started receiving letters stating I was in collections with Credit Protection Association L.P. I have notified them in writing in regards to matter. They will not cease and desist.

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 2015-11-13
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Equifax is giving false and inaccurate reports on me. I have continuously made complaints with proof to Equifax false reports that are causing me Financial harm and creditability. They are taking another person with a similar name to mine and applying it to my social security in part. They have me living as my current address at XXXX XXXX XXXX , XXXX, XXXX. I sold that home in 2006 and have lived at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX. They also show my residences during that period XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, etc ... all false. I am a Veteran and use the VA medical facilities in XXXX XXXX for my follow up from my XXXX. I had an emergency and was admitted to XXXX XXXX in XXXX XXXX. The hospital was specifically instructed to send all bills to the VA for payment. The hospital ignored my request and went to Medicare without my permission. So did the other medical bills as instructed by XXXX XXXX.The Hospital received payment from Medicare but not the others for payment. If they went to the VA, all would have been paid in full as I instructed. XXXX Government agencies will not pay in part for the same procedures. I physically went to the Hospital to complain and was ignored about refunding the amount they received from Medicare so everyone including them would receive full payment. These charges to Medicare were unauthorized and in part returned which I am being hounded for. I complained to Medicare to no avail and can not be responsible for these unlawful charges made by XXXX XXXX and vendors.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card
Issue: Other

Complaint:
I filed a complaint against Synchrony bank for not refunding an over balance on my credit card. They finally sent the check but it was n't until after I filed a complaint and got them to agree to send it. Because I filed a complaint they turned around and put a stop payment on the check costing me a {$20.00} bank fee for them sending me a check and then stoping payment on it. They now claim that I have to rerequest another check but they will just put a stop payment on it again, thus harrassing me and punishing me for making a complaint against their institution.

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 2016-08-25
Company: FIRST OHIO HOME FINANCE, INC
State: OR
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
I set up a XXXX XXXX account, although I did n't provide enough information to receive an actual loan quote. I began to receive email marketing because of that, and one lender, XXXX XXXX at First Ohio Home Finance, sent me a marketing email that is very concerning. 1. It was sent to numerous recipients, with all of our email addresses made public. 2. It does n't contain an opt-out option. 3. The subject line does not specify it is marketing, it simply says 'This Weekend '.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23
Company: Messerli & Kramer P.A.
State: WI
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I never heard of said debit till I checked my credit report and then come to find out its from 2006, I do not recall this debit and its past the statute of limitations ... I did ask for verification of the original contract and sent a judgement again I no knowledge of this judgement and I am on XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11
Company: Stellar Recovery, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Called from a blocked number and threatened legal action in a voicemail. I already paid this debt prior to it going to collections, and I have the canceled check to prove it cleared to XXXX XXXX XXXX. Not only that, but this was a fraudulent account set up with my information without my consent and then not paid for by my ex spouse who works at XXXX XXXX XXXX, XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27
Company: Stellar Recovery, Inc.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I keep receiving harassing phone calls on a debt that I do not owe and that was fraudulently opened in my name, I have asked them to stop calling but they continue to do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
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:
The following credit inquiries are not authorized by me and In Accordance with the FCRA section 611 for inquiries this companies violated my consumer right. 
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

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 2015-10-07
Company: R.M. Galicia, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
My husband has a bill from a hospital. I am not a guarantor or responsible party as far as hospital is concerned. Debt Collection company added me on the bill and is reporting to Credit Reporting Agencies that i am in collection. They said California is a community property state so my husbands debts are mine also and they wo n't take my name off.

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 2020-11-11
Company: Experian Information Solutions Inc.
State: CA
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:
Dear Experian, I checked my personal credit report, which I acquired from your company on XX/XX/2020 and I noticed that a FRAUDULENT inquiry that had been made on XX/XX/2020 is still being reported on my credit report. I contacted XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX, they can not see the inquiry and so they can not remove something that isnt there. I request that you initiate a REINVESTIGATION into XXXX XXXX XX/XX/2020 XXXX inquiry on my credit report to determine who authorized this hard inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. ( Do not send me anything via US mail. ) Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. If you find the inquiry referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry. Thank you for your assistance in 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 2017-01-20
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
I have several retail accounts which have been sold to or serviced by Synchrony Bank. During the last six months, Synchrony Bank has lowered my credit limit with each account ; however, all accounts were paid prior to the due date and payments exceeded the amount due each month. By lowering my credit limit, Synchrony Bank adversely affected my credit score with the XXXX major credit reporting bureaus. Synchrony Bank has either filed hard inquiries or reported lower credit limits during six of the last eight months. Synchrony Bank has NO JUSTIFICATION in conducting these monthly credit inquiries. These repetitive inquiries are unjust, unnecessary, and adversely affecting my credit score ; therefore, I demand that SYNCHRONY BANK discontinue its discriminatory practice of unjustly submitting information resulting in the unjust and adverse lowering of my credit scores with the major credit reporting agencies.

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 2022-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Despite the multiple written letters I sent to the 3 Credit Bureaus, my request for proper verification and deletion of the fraudulent information on my credit reports has been ignored. I sent a letter on XX/XX/XXXX to remove the inaccurate personal information : XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX accounts : XXXX  XXXX XXXX Balance {$0.00} ; XXXX XXXX  XXXX XXXX Balance {$530.00} ; XXXX XXXX  I XXXX Balance {$500.00}, and inquiries : XXXX Inquired on XX/XX/XXXX ; XXXX/XXXX/XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX Inquiry Date XXXX XXXX, XXXX ; XXXX/XXXX Inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX are UNKNOWN to me . I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the Credit Bureaus are required to remove and block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX, and I am including them again.

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 2017-04-30
Company: Ocwen Financial Corporation
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We were having trouble with the payments and the loan was in my moms name and she is under   XXXX   XXXX    which I did n't have to tell them because we found someone to buy the house and let us stay here as long as my mom is living, I wanted to keep the house but knew Ocwen would n't work with me on it. We had to do a modification a few years back and they said we did n't qualify for the presidents program. They wanted to know anything and everything and still did n't lower the payments any. Then they had to take out insurance because I could n't get any, because of a fire. They raised it up another {$140.00}. But when we started the closing they did n't want to give us the pay off quote, they kept changing it day by day, and did n't want to give the one handling the sale any help  or any information. They have been a headache every sinc e we had to refinance with them. I have been cused by some of the hounded and heassed by them at different times. They are one company I hope to never have any more dealing with and when we had to refinance that gave us a ballon payment of {$35000.00} in 15 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23
Company: Progressive Financial Services, Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
progressive financial services account # XXXX XXXX XXXX, Az XXXX XXXX this account is not mine. I have asked for this company to submit to me a signed contract by certified mail and to this day I have not received any information from them besides on my updated credit report it states verified, no change.

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 2015-06-17
Company: Comerica
State: IN
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
I will mail you all this I am having problems with XXXX banks and thier debit cards due too the theft of my wallet wich i filed a police report and did every thing they asked of me, The XXXX banks are XXXX of XXXX, IN. XXXX. Wich I have already filed a complaint with the OCC. the XXXX. they rewferd me too you. the other banking issue is with COMERICA BANK. which finances the debit card by DIRECT EXPRESS debit card program. XXXX XXXX XXXX XXXX, TX. XXXX. This is the XXXX I am wishing you will help me with now and I am mailing some papers.pertaining to this dipute which they refuse to honer their phone is XXXX dispute # XXXX I have done every thing they have asked even sent copies of pertinent paperwork by certified mail. they have always given me the runaround. even going as far as giving me a fax number which they said they did not receive. I faxed it again, all at my exspence. then when I called them again another representative on the phone said they do not accept faxes and that fax # is not used often and is more than likely thrown away. All this I beleive was to wear me down make me give up. and also to burn up the time ( 90 ) days I had to make my complaint. how can they make legal decisions like that when their is a warrant for the person I named in police report and the with drawls from account was made all in a short period of time ( 2 ) days I believe. I called XXXX they said they do not handle this and I would have to call number on back of card ( runaround again, wasting my time again ). please try and help. I am mailing some of the papers I have sent them certified mail but will send you any thing i can, that you may need. thank you again. XXXX, XXXX IN. XXXX cell # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06
Company: ATG Credit, LLC
State: SC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
debt collection remaining on credit report after 50 days dispute process violation of FDCPA, credit reporting on all XXXX bureau disclosure of verification Delete all collection from all XXXX credit bureau reporting agency

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
print iconPrint Your Report Potentially Negative show tooltip button XXXX XXXXDispute XXXX XXXXDispute XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute filed ftc

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 2022-08-04
Company: Colony Brands, Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
This account ( XXXX  # XXXX ) is reported to have been opened XX/XX/XXXX. There is one month of payment history reported by the issuer, which has been disputed as inaccurate and incomplete on a number of occasions.

The issuer will not furnish complete and accurate information to the credit bureaus. 

On XX/XX/XXXX, XXXX stated that the account was updated, but the report shows the last status update was XX/XX/XXXX, which means they never investigated and there was no update or, the issuer provided false information. The payment history is still missing. 

I have a legal right to complete and accurate information to be reported on my credit file. If the information can not be updated or corrected, then it must be deleted. 

The omission of payment history has negatively impacted my credit score. Since this will not be updated or corrected, I demand that this item be immediately removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27
Company: Pinnacle Credit Services, 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:
XXXXThey claim i owe {$330.00} when XXXX needed to replace a product due to the 3G product failing and only a 4G product could replace it. 

Its costing me XXXX per month in my home loan due to this issue. 

Many others experiencing the same issue : XXXXXXXX : XXXX

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