BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
CREDIT COLL Original creditor : XXXX XXXX XXXX XXXX {$120.00} paid in full!!!!!

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 2016-01-18
Company: Penn Credit Corporation
State: GA
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:
On XX/XX/XXXX I then sent copies of XXXX legal affidavits, the XXXX County Deeds Office letter response, and a letter informing PENN CREDIT CORP the following : I do n't know anything about this debt please send to the Original Creditor. The Account/Debt was established without my knowledge. 

As Resolution of this complaint, I ask that PENN CREDIT CORP stop all current and future correspondence with me and their company be erased from my current credit report. 


COMPLAINTS XXXX On XX/XX/XXXX I sent a notarized affidavit to Recorder of Deeds in the county of XXXX County, XXXX, XXXX stating the following : I have received correspondence from the XXXX credit bureaus : XXXX, XXXX and XXXX that they verified this account PENN CREDIT CORP via phone, email or fax. 
I acknowledge this account/debt was established without my knowledge and I have no contractual agreement with PENN PENN CREDIT CORP ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ). 

On XX/XX/XXXX I received official correspondence from Recorder of Deeds in the county of XXXX County XXXX XXXX, XXXX, ( XXXX XXXX XXXX, Clerk Superior, State and XXXX Court, XXXX XXXX, XXXX ) stating that they do not report to the credit agencies listed above " Our office does not provide any information to credit reporting agencies. You will need to contact the credit reporting agency in order for them to update their records. '' On XX/XX/XXXX I sent legal notarized affidavits from XXXX County, XXXX to XXXX, XXXX and XXXX stating the following : To the Following : 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 XXXX ( XXXX XXXX XXXX, XXXX, XXXX. XXXX XXXX, XXXX, XXXX XXXX ) This is an unverified account. I acknowledge this account/debt was established without my knowledge and I have no contractual agreement with PENN CREDIT CORP ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ). 

On XX/XX/XXXX I then sent copies of these legal affidavits, the XXXX County Deeds Office letter, and a letter informing PENN CREDIT CORP the following : I do n't know anything about this debt please send to the Original Creditor. 

As Resolution of this complaint, I ask that PENN CREDIT CORP stop all current and future correspondence with me and their company be erased from my current credit report. 
Thank You, 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 2020-01-15
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
There was a purchase on XX/XX/XXXX for {$1400.00} which was returned. The creditor, Lowes / Synchrony bank has admitted that the original charge promotional balance was incorrectly credited and debited over a period of four months following the original transactions. I disputed their remedy for the final correction on XX/XX/XXXX. I asserted that I have a right to a Statement of Account for all charges which are owed in a date range from XX/XX/XXXX to XX/XX/XXXX. I was told to look the statements I am disputing? I called and found out additional details and got on a recorded call a Supervisor admitting that they had made errors in applying my promotional balances, credits and debits. I asked again for a Statement of Account showing all charges, credits and debits. I asked the creditor prove that the debt currently showing on my account is correct. I was refused by not getting a direct yes or no answer. My complaint is that there are transactions where my money paid was moved that I am not being shown and Lowes Synchrony Bank has failed to disclose exactly how the errors were made and that corrections made were true and accurate. Thus my overall balance owed may not have been true and correct.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 Act XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions.

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 2020-01-15
Company: Continental Finance Company, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company called my place of business and threatened to have me served with papers to appear in court for a debt from XX/XX/2014 for {$1600.00}. I called them immediately and they stated I had to sign documents and agree to settle a past debt or I would be subpoenaed at work. I checked my credit reports and this debt is not on any of the reports. They are aggressive and threatening. I can not find them on the internet and they seem to be fraudulent. Please advise.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19
Company: EQUIFAX, INC.
State: VA
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 Act XXXX XXXX XXXX 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NC
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:
I would like to request the CFPB help with a debt validation matter with Portfolio Recovery Associates. While reviewing my personal credit reports I noticed them listed and began investigating. On XX/XX/XXXX I sent an affidavit of notice for demand of debt validation to Portfolio Recovery Associates requesting they provide competent evidence that i have any legal obligation to them for an alleged debt they're reporting I owe. I was very specific in the information I wanted to validate, as well as to allow 30 days for processing after I receive the information back from them. On XX/XX/XXXX my affidavit was received by Portfolio Recovery Associates. On XX/XX/XXXX, I first received a correspondent dated XX/XX/XXXX with the alleged original account number, last 4 digits of SSN, the date this alleged account was opened and a statement to contact them if I would like to receive a payment history of payments. A few days later, XX/XX/XXXX, I received additional correspondences { also dated XX/XX/XXXX } that included a computer-generated letter from the alleged original creditor, alleged billing statements that does not even include my full name ( XXXX XXXX XXXX ) and a " statement '' that this establish its validity. I have since sent an another letter { XX/XX/XXXX }, requesting additional information as I DO NOT believe that have validated their claim, it was received by them on XX/XX/XXXX. I am writing to you due to their non-compliance, as I strongly believe they are in violation of the FCRA and I fear that they may outright refuse to uphold the law. First, they have continued to send invalid information to the credit reporting agencies during the validation period AND with a statement " Subscriber reports dispute resolved - consumer disagrees ''. Who resolved it? Reporting on a debt that has not been validate is a violation of the FCRA. Second, they have not demonstrated through compliance they have legal grounds to seek from me this alleged amount they claim I owe. The letter for the alleged original creditor is not signed therefore it can not be authenticated to be certified under testimony to be true and accurate. Third, there are two different amounts for this alleged " balance '' on the correspondences they sent. The unsigned letter from the alleged original creditor shows a balance at time of sale of {$8100.00} and the correspondence from Portfolio Recovery shows a balance of {$8100.00}. Which is accurate? Additionally, the two statements dated, XX/XX/XXXX with an alleged balance of {$6900.00}, the other dated XX/XX/XXXX with an alleged balance of {$8100.00} - how did it go from {$6900.00} to {$8100.00}? I have attached documentation for your review and respectfully request HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-18
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
For many years I have been trying to gain access to my credit report, and to suspend my credit freeze so loan companies could gain access to my credit file. I have found, without exception across Experian, XXXX, that I can not release a freeze temporarily. There is no possible way to get a phone number where humans answer and can assist ; there is no web site that does n't send me into limbo, listing irrelevant answers to their canned questions, and then saying they can not help me without mailing in a request, which makes it impossible to get a loan. When I attempted to get a copy of my credit report via mail, they refuse to provide it listing insane requests for irrelevant information after weeks of waiting - all XXXX did something similar in response to my request via mail for my free credit reports. This is ridiculous. 

Your system here does not allow me to complain about the wide-ranging nuisance these companies are being allowed to impose upon consumers that just want them to do what they are supposedly requred to do by law. Obviously these bureaus have deliberately developed systems and processes that avoid equitable compliance with the law and are being allowed to get away with it by acting in complicity, with all three not complying.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I have been banking with Bank of America for over 7 years. On XXXX/XXXX/15, I had full access to all of my accounts and my online banking information. On XXXX/XXXX/15, I attempted to use my debit card and it was declined ; this was a shock, especially since I knew that I had sufficient funds in my accounts. I attempted to log into my online banking and was denied access. When I contacted BOA, I was told that my accounts had been frozen and were in the process of being cancelled. When asked why, I was told " It was a business decision to terminate the banking relationship and we are not obligated to provide a reason why. '' I phoned BOA numerous times as well as visited the local branch, and each time I was not provided answers. I was treated like a criminal whenever I attempted to find out what was going on. My employer and their banking company were unable to back out a direct deposit on XXXX/XXXX/15. On XXXX/XXXX/15, I obtained letters from BOA stating, " We 've closed your account above and any remaining balance wo n't be returned to you. '' There was still no reason provided. I am not delinquent with the IRS or student loans. All of my deposits are issued through the counseling agency I work for. There are no reported fraudulent or suspicious activity. I have yet to receive my money and have accrued penalty fees from organizations who have attempted to pull from my accounts as well as from the checks I wrote before knowing that my accounts had been frozen.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I applied for a XXXX Credit Card today XX/XX/2020 and unfortunately, I was not approved due to having several negative accounts on my credit report. I had no idea that these accounts were on my credit report because I did not open any of them. I have no idea who opened these accounts in my name without my permission but I have already filed a police report. I did not gain anything from these accounts such as money, goods, services or any other benefit and I never made any purchases or payments towards any of these accounts.

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 2016-01-21
Company: WELLS FARGO & COMPANY
State: WA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
I have XXXX loans on my home. The first mortgage after much stress, hassle & lies from this bank, I finally received a loan modification. The XXXX loan is a HELOC with " Wells Fargo ''. They told me that if I could get a loan mod from the first lender it would be much easier to get modified with them. They denied me twice, saying I can afford the monthly payment as is. Which seems to have nothing to do with any reason to deny an approval. The payment would have to go up regardless & if I made less money they would say I could not afford it & be denied as well. They even added {$1000.00} to my gross income, of which I do not make. So apparently there is no such thing as approval in any case.There is only an {$8500.00} ( approximate ) delinquent amount. If this amount was simply added to the loan amount it would be about {$20.00} more per month in payment. So they would rather foreclose on my house than to increase my monthly payment by {$20.00}. This is outrageous. 
In 2 years this HELOC will end anyway & the entire amount will be due. If I refinance it will increase my payment by about {$600.00} more per month + the cost of the refinance fees. I only have 2 years on support payments left & then do not know if I will have any income at all after that. I was a homemaker and almost XXXX XXXX XXXX now. While my ex still enjoys his XXXX figure job & lavish health insurance. He was the one who caused all of the delinquent payments in the first place. The only choice I am given is to come up with the {$8500.00} payment. How do they figure that I can afford that? I am currently making the month payments & have been for the last couple years. It is only the delinquent amount at issue.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15
Company: States Recovery Systems, Inc.
State: PR
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/2019, I received a letter from the company States Recovery Systems , Inc., of XXXX XXXX CA that they are charging me the amount of {$48000.00}, of a suspicious debt from XXXX XXXX XXXX of which I have never been notified, that I do not recognize it And I don't know who? or what is it?. Before this letter, people from this company called me and asked me to speak in XXXX as it is my first language and they refused, insulted me and hung up the phone without giving me an explanation. Now I receive this threatening letter and I am not given details of what it is? Prior to this incident I have an identity theft reported more than a year ago with XXXX XXXX XXXX who have never told me what happened, what research was done, they never wrote to me and I never knew how it happened? Or what happened? Nor did they explain to me how this debt came to my accounts for the amount of {$73000.00} dollars, how the bank lowered it to {$48000.00} and how this happened electronically in my personal accounts at the bank. I ask you to help me because I made a complaint in the police for identity theft and also report it and now I receive these threats without explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: ENOVA INTERNATIONAL, INC.
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I borrowed {$1800.00} from CashNet USA and have repaid {$2000.00}. The company has received ALL of its loaned amount back plus some. They problem still planed to collect another {$1300.00} to get {$3300.00} for the {$1800.00} borrowed. Outrageous! 

OnXX/XX/XXXX I filed a CFPB complaint about the excessively high fees. 

CashNetUSA reaches out to me and a payment arrangement was proposed. At this time it is important to note that I had missed no payments. I was now to pay {$550.00} with my next payment not due until XXXX XXXX. 

The same day this arrangement was made CashNetUSA sent me an email filled with fraudulent information! It stated : * As a result of several missed payments ... LIE! I had missed ZERO payments! 

* the full outstanding balance of {$1400.00} is now due and payable ... LIE!!! I was to only owe {$550.00}. 

I immediately contacted the company to dispute the above. I was told Please ignore the email that was sent today XX/XX/2020. I was expected to simply ignore their attempts to scare me into paying {$1400.00} ... which you can see is MORE than the {$1300.00} I originally was told to pay and nearly TRIPLE the {$550.00}. 

Due to this FRAUD and harassment, I ask CashNetUSA to accept ONE FINAL payment of {$350.00}. CashNetUSA will then have received {$2300.00} for the {$1800.00} borrowed ... {$540.00} in fees which is a rate of 30 %!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I was viewing my credit score and report through the XXXX credit card website. The report is provided by Experian. There were two items I wanted information about so that I could look into dates and whether they were valid or if they could be disputed. I called Experian and I requested either that particular information or a detailed copy of my credit report in order to view it. The woman that took my call stated that I would need to purchase a membership in order to obtain that information. I was very surprised as I know that under federal law I am entitled to one annually and I have not ever requested one from Experian. As I continued to inquire about why I would need to pay them to access some thing I was federally entitled to, she put me on mute and left me there. About 10 minutes later she came back on the line and said she had been listening the whole time. During this time I pulled up the Experian website and read not only a banner across the top stating that Experian was providing free weekly reports to consumers through XX/XX/2022, there is also an area at the top of the first paragraph discussing the federal right to an annual copy. I read it for her Word for Word and she just kept me muted and did not answer any questions. I asked her if I was wrong and she refused to answer. I asked her how these practices were not considered predatory. She did not answer. I asked her if she made commission when she sold people memberships for ( their own ) information they were federally entitled to and she did not answer. Eventually I very rudely hung up on her. I hope the whole call was recorded.

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