BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-28
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
in accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 15 U.S.C section 602 A. states'| have the right to privacy.15 U.S.C 1681 section 604 A : it also states a consumer reporting agency can not furnish a account without my written instructions XXXX - XXXX XXXX XXXX XXXX XXXXXXXX - XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/2021 XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/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 2022-12-04
Company: ERC
State: KY
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:
ENHANCED RECOVERY CO L has flagged your account as Collections on XX/XX/2020. 

Source : XXXX XXXX : ENHANCED RECOVERY CO L Address : XXXX XXXX XXXX, XXXX, FL XXXX Phone : ( XXXX ) XXXX Activity : XXXX XXXX XXXX ( Collections ) Balance Date : XX/XX/2020 Balance : {$310.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: Experian Information Solutions Inc.
State: NY
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:
There seems to be an error on my consumer report furnished by XXXX  XXXX. On my consumer report, there is a late payment reported which is causing me damage to me as a consumer and limiting my ability to extend credit. I allege that XXXX  XXXX is willfully and knowingly furnishing inaccurate information and defaming my character as a form of extortion. According to 15 U.S. Code, A creditor may not treat a payment on a credit card account under an open-end consumer credit plan late for any purpose. According to 12 CFR Appendix B to Part 1022 I never received any the model notices stating that any negative information would be furnished to my consumer report. Why is this inaccurate information being reported when I have never received notice of the information and congress has stated there shouldnt be any late payments? Is XXXX  XXXX attempting to cause some form of harassment to me and violate my right as a consumer purposely? I was never given a reasonable way to opt or limit sharing my creditworthiness according to their privacy policy. Payment defined under 15 U.S Code 78m Payment is define as commercial development of oil, natural gas, or minerals therefore what form of payment has XXXX XXXX has been excepting for the last years of under the United States Code it is define as commercial development of oil, natural gas, or minerals? 
Is there a yield of the investment on the account due to me? Has the true nature and fitness of the agreement been provided to me? The inaccurate, false and fraudulent information being furnished on my personal consumer report needs to be corrected immediately as it is causing damage and defaming my character. I am demanding a response within an appropriate time of 5 business days to answer each concern I have raised in this complaint or I allege that there is a due yield of investment that has been misapplied as a billing error and shall be Returned back to me.

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 2022-08-23
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I received a text message on XXXX at XXXX EST from XXXX that said, " FIFTH THIRD -- Attempt of {$1700.00} at XXXX XXXX OH XX/XX/21 require approval, Log on https : //fifththirdsupport.top/index.php/? key to CANCEL. '' I don't have an account at Fifth Third. I am not sure how this company got my cellphone number. I am concerned someone is using my personal identification at Fifth Third. 

Normally I just report spam to XXXX 's XXXX number, but this one involved banking at it concerned me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: Experian Information Solutions 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 belongs to someone else

Complaint:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED DELTED ARE LISTED IN THIS REPORT. I AM A VICTIM OF IDENTITY THEFT & I DEMAND THAT YALL REMOVE THESE ITEMS TO CORRECT MY CREDIT REPORT IMMEDIATELY! I HAVE REPORTED THIS TO THE FEDERAL TRADE COMMISSION AFFIDAVIT

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 2022-12-12
Company: Medical Data Systems, Inc.
State: RI
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:
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat, payment on a credit card account under an open end consumer credit plan as late for purpose.

362

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: SYNCHRONY FINANCIAL
State: OK
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:
On XX/XX/2020 I spoke to a synchrony agent to make a payment in the amount of {$530.00}. I was informed and confirmed this payment would bring my SynchronyXXXX XXXX account to a XXXX balance and paid in full. I requested the account closed at that time. I recently applied for credit and was told that I had a {$21.00} charge off on my credit report. I spent more than an hour and half on the phone with synchrony to get this issue resolved today only to learn they charged me a {$21.00} interest charge after the {$530.00} payment was made and only offered to look into it. I spoke to XXXX who transferred me to XXXX which transferred me to XXXX which sent me to the manager XXXX who was little to know help.

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 2022-09-26
Company: SANTANDER HOLDINGS USA, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
Submitted check from Active Junky for {$1800.00} on XX/XX/XXXX in XXXX XXXX. 

Check was rejected as duplicate and {$5.00} return check fee was assessed. 

I contacted active junky and they said the check cleared on their end. 

I only submitted one check. There was no duplicate. 

Now my money is missing.

Santander needs to submit funds of {$1800.00} to my account, credit the {$5.00} fee and provide interest at the 10 % inflation rate for missing funds.

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 2022-07-29
Company: Experian Information Solutions Inc.
State: OH
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:
Company is unable to provide proof of ownership They have lacked to provide Original signed contract Original balance Payment history Address, phone number, all there information is incorrect

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 2022-09-26
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
To whom it may concern. The following addresses need to be removed from my credit report I do not live at the following locations. XXXX XXXX XXXX XXXX, XXXX XXXX, FL. XXXX, XXXX XXXX XXXX XXXX, XXXX, FL. XXXX, XXXX XXXX XXXX XXXX, XXXX, FL. XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, FL. XXXX, XXXX XXXX XXXX PL, XXXX, XXXX, FL. XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, FL. 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 2022-07-29
Company: U.S. BANCORP
State: ID
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
my XXXX credit card is only 6 weeks old and auto pay is set up. I have been put into collections because they company can not seem to get the payment correct. 1st they transposed numbers. 2nd they could not get auto pay to work for 1 to 2 months after the account was set up only with auto pay. then they reported me to the credit collections because they are not able to accept auto that they require to set up the credit card for 2 months. Do not use this company they are horrible for costumer service and will not help the customer fix they issues they created

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 2022-03-07
Company: Consumer Financial Services Solutions, Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Excessive fees

Complaint:
I set up an account with Beyond Finance looking to pay off debt after Coronavirus. I spoke with a representative. In which I was explained a program. At the time I was not advised of the fees and I was under the impression that I would only be paying a program fee. After having the account for a month. I noticed excessive fees. Settlement fee for XXXX $ fees several XXXX deemed for possible legal service. Only XXXX $ was placed toward my debt. When I requested to cancel my account, I received no contact. I contacted a gain to cancel my account and finally got an email that my account would be cancelled and funds in my dedicated account would be returned. XXXX $ should have been left. When I contacted I was told they had to collect their settlement fees which are 25 %. Id spoken with a representative that told me there were only 4 fees of XXXX. I asked if that was all, they said yes. I was then told if I read the contract it said it there. Even though I asked, I was not told. It is In the contract. Why when I specified asked was I not told this? I would not have proceeded if this information was provided from the beginning when I signed up! The relief on clause in the contract that they know would not be read instead of being forthcoming. I deserve my money back. I was on hold for 2 hours to speak with a manager. I was hung up on while on hold. No one would communicate with me regarding this issue. The ledger the provide just says withdrawal it does not tell you why money is being removed from your account. You have to call and wait to get an explanation. This is a deceptive business practice, why have a ledger if it doesnt explain where the money is going. In addition why are fees not explained in the the initial debt that was supposed to be pa was a target account for XXXX to be reduced to XXXX XXXX Instead they jumped over that and settled a larger account for XXXX make it it have and getting a larger fee. Of XXXX $ instead of the XXXX $ For the smaller account which I would have immediately notice the cost vs settlement ratio was ridiculous. Instead if helping people they are preying of individuals who are trying to pay debts and get their life back. Now I am out half of what it would cost me to file Bankruptcy and I am still in debt. 

After reviewing the agreement it says nothing about any fee other the ridiculous debt settlement fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: National Credit Adjusters, LLC
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:
15 U.S.C 1861 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account with MY WRITTEN INSTRUCTIONS ( XXXX XXXX XXXX ) Account Number XXXX at Address ( XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX ) ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX Account Number : XXXX Account Number : XXXX Has been reported as pasted due. I do not know this company. I have never done any bussiness with this company. this company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: Nationwide Recovery Systems, Ltd
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I declare under penalty of perjury ( under the laws of the United States if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge Further I certify that I am permitted by federal and state law to file this dispute. I also understand that knowing and willful misstatements or omission of material facts constitutes a federal criminal violation punishable under 18 U.S. Code 1001 additionally these misstatements are punishable as perjury under 18 U.S. Code 1621. This collection found within my credit report are not related to any transaction that I made I Am alleging that a person or company without my authorization used my personal identifying information to apple for goods, services or money. and was successfully in creating some accounts. All being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-30
Company: STERLING JEWELERS, INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

1. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 


Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX XXXX COMPLIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX XXXX : XXXXTATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY Thank you for your help in this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
XXXX XXXX is reporting my account as 30 days past due for XXXX. I have never been 30 days past due with the credit which the company representative confirmed. I requested confirmation in writing and was advised it could not be provided. I also requested to have the 30 day late removed and was told the company does not wait 30 days to report a late payment to the credit bureau.

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 2022-08-01
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a collection from LUNV from a XXXXXXXX XXXX  credit card in the amount {$11000.00}, I did not make this purchase or authorize any person to charge this card. I have disputed, it was taken off of my XXXX account but it was denied by XXXX. This is effecting my credit very badly and I need to get it removed. I really hope you are able to help me do that in the fastest way possible. I thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: AES/PHEAA
State: DE
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I elected to resume my payments but was informed by the Department of Ed that my payments would not be counted as direct payments toward XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have made 117 qualifying payments. Also, the form lists that I have to make 121 qualifying/direct payments, but the federal requirement is only 120 direct/qualifying payments. The Department of Ed will not correct the determination letter or respond to my dispute regarding the calculation of qualifying payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
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:
I have an account that was listed on my credit bureaus in the name of XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY. I have no knowledge of this account or to XXXX. The phone number is just a recording and I have sent emails with no reply. This is fraud

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief