BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-23
Company: TrueAccord Corp.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
True Accord Collection Agency-account numberXXXX You currently owe {$930.00} to XXXX XXXX XXXX. 
You may wonder why TrueAccord is contacting you about this balance. We know it may be confusing, so here is a breakdown. 

This debt came from a XXXX XXXX purchase you made. 
XXXX XXXX XXXX  was the lender that XXXX XXXX used for financing. 
XXXX XXXX XXXX  was the original creditor. 
When your debt was overdue, XXXX XXXX XXXX  sold the debt to XXXX XXXX XXXX who currently owns this balance. 
XXXX XXXX XXXX has asked TrueAccord to help you resolve this balance. 
That's how you got to us. 

You can view your options for resolving the balance by clicking the button below. If you have questions, you can reply to this email. A member of our Engagement Team will assist you. 
View My Options-Disputed

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I went to credit reporting site to receive my free annual credit report. To verify my identity and get my report I had to enter credit card info. Now company is billing me {$21.00} a month for this unauthorized service. They charged me four months worth of fees before i discovered charges. Now they will not return these fraudulent charges. These companies are using deceptive practices to get your credit card information then claim you ordered services.

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 2017-08-18
Company: GREAT LAKES
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have sent documentation to XXXX XXXX XXXX XXXX three times to determine my income-based repayment plan. Each time I was given a different amount to pay. They have determined my income-based payments incorrectly each time. I have called several times, over five, and have spoken to supervisors. No one seems to get it. As I have explained, I am a XXXX. My pay rate changes daily and seasonally. Simply sending in my two week pay sub will not give you an accurate account of how much money I make. I do not receive pay checks, it all goes to taxes and then some. Great Lakes seems to think that they can take a number they see on my pay stub and multiply it by 52 weeks and that 's automatically my income for the year, which could n't be more wrong. I have also attached my tax information per the IRS website and still was given an outrageous amount to pay, although I am making basically the same amount I did the previous year. It was raised over {$45.00} dollars. I have been with Great Lakes for over five years and have never had a payment amount this high. I have tried several times to explain this to Great Lakes representatives and each time their solution has been to send in another pay stub. So it could be calculated wrong again? Never in my life have I experienced such ignorance with a loan lending company, and I hope to resolve this issue without taking further action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18
Company: Sortis Financial, Inc.
State: MS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
When I signed the paperwork to get this mortgage I was informed by the loan rep it would never be a problem to renew the interest loan. The Clear Spring was very misleading and they would not allow me to continue with an interest only and advised I would have to refinance which was not what they originally told me when signing the loan.I did receive paperwork for a modification but then they advised they would not live up to what they said they would. The company mailed me modification paperwork and would not accept it when it was sent to them as they agreed it would not be a problem to modify the loan to smaller payments or interest only. I tried several times to work things out with the finance company XXXX and Clear Spring. I signed the loan based on false information given from the finance XXXX and their employees at XXXX who worked there. When I advised them of this in several of my emails from the loan company which I do have copies of no one was concerned about the deliberate false and misleading information given. I am now in default of a loan that is more than 4 times the amount owed with no concern from the original lender who has deliberately mislead me into a loan that they knew they were never going to renew without a refinance due to personal opinion and not due to payment history. Let the record show that during the interest only period I was never late until the original lender increased the terms and refused to live up to what they advised also the finance company refused to live up to what they wrote in the paperwork sent to renew on an interest only basis. Clear Spring agreed to modify send paperwork then advised they were not going to live up to their agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: EQUIFAX, INC.
State: MS
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:
I recently got copies of my credit reports, the following are hard inquiries on my account not authorized by me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX NA, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX EQUIFAX MORTGAGE SERVICES XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: FC HoldCo LLC
State: IN
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 letter tells the debt collector to stop contacting me unless they can show evidence that I am responsible for this debt. Stopping contact does not cancel the debt. So, if a debt collector still believes I am really responsible for the debt, they could still take other action. For example you still might be sued or have the status of the debt reported to a 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 explanation
Consumer complaint received 2022-07-07
Company: EQUIFAX, 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 Reporting Act, the following creditors have violated my rights. 
XXXX XXXX XXXX account number : XXXX XXXX XXXX XXXX account number : XXXX XXXX U.S.C 1681 section 602 A., state I have the right to privacy.

15 U.S.C 1681 section 604 A section XXXX : It also state a consumer reporting agency can not furnish a account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have received notices that my bill was due via email. My card was then declined at a point of purchase so I check online to see status. It showed bill was not due until XX/XX/17 - however I assumed there was perhaps a past due balance. The website would not allow me to view any of my statements in order for me to verify the past due balance. As I am on " paperless '' statements - I can only access the details of my invoices online - and for a period of 1 week that was unavailable. I reached out directly to XXXX ( XXXX ). They advised me that since I had a past due balance, I could not view the details of any statement. They then advised they could snail mail me a copy but it would take 7-10 business days. They assured me no more late fees would incur- however they would not assure me that adverse action could be taken against my credit due to the lateness as I awaited the bill. As I did not want to take that chance, I paid my balance in full - not fully knowing exactly what I was paying - and closed my account. However, as a consumer I have a right to have my debts detailed.

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 2022-07-07
Company: Experian Information Solutions 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:
n accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX, # XXXX DPT EDXXXX, # XXXX DPT EDXXXX, # XXXX DPT EDXXXX, # XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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 2019-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
REMOVE FRAUD ALERT OFF XXXX, TRANSUNION, 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 explanation
Consumer complaint received 2021-08-23
Company: SYNCHRONY FINANCIAL
State: AK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Care credit is a horrible company. 
I had a credit limit of XXXX that I had specifically requested to keep my limit under 50 % and it was decreased without notification or my knowledge. This resulted in dropping my credit score since it resulted in me having used almost the total limit. I have a XXXX coming up and was depending on this credit line. 
I had missed a few payments due to covid related hardship and had been in contact with the company multiple times working out payments and letting them know what was going on on my end. And when I called to have them help fix this they completely refused. Put me on a nonstop hold after telling me they would transfer to a manager and it would be two minutes at most. 
Im devastated they did this to me. We are all experiencing uncharted waters with covid and to have a large company thats most likely unaffected by my small to them situation is a hard blow and let me down completely.

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 2017-09-09
Company: EQUIFAX, INC.
State: CA
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:
Equifax leaked my personal credit information due to improper security protocols at the Company. As a result, my SSN, birth date, address, and other personally identifiable information may have been leaked without my permission. As a result, my identity may be stolen as my personally identifiable is no longer secure.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: PA
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:
My personal data has been breached in the recent XXXX incident as confirmed by equifax. 

There does n't appear to be any recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have contacted Equifax numerous times to hear that there isn't anything they can do about fraudulent inquiries. I have inquiries on my report that do not belong to me. I have never applied for these accounts. I am a victim of an identity thief. 

XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/202XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-07
Company: SYNCHRONY FINANCIAL
State: TX
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:
I purchased a giftcard balance on my amazon.com account using my amazon.com store card, which is through Synchrony Bank. This is a credit card that can only be used at amazon.com. The amount of the giftcard balance purchased to be added to my amazon.com balance was {$800.00}. XXXX closed my account, thus delivering the funds to an account that I can not access. Therefore, XXXX has committed fraud by charging me for something that was not delivered in a way that I can usefully use it.

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 2022-02-04
Company: Experian Information Solutions Inc.
State: MD
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:
Hi thank you for allowing me to voice issues I am having with my credit report. Looking over my report there are negative accounts with no company name listed and other accounts with a name not known to me or anyone I know. The credit reporting agencies are listing random information on my credit file and care nothing about the accuracy. I know its a money game for them and they make money for reporting anything even if it is against the law. I called Experian, XXXX, XXXX, and all companies associated with the number to get clarity on it all but they had no properly consent from me or proof I am responsible. I want all listed negative and false information and accounts removed from my file. I can request such thing per 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer.

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 2017-09-06
Company: EQUIFAX, 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:
Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
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 information incorrect

Complaint:
I'm asking for a investigation on my credit file on information that is incorrectly reporting.

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 2017-08-18
Company: BARCLAYS BANK DELAWARE
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
On my XX/XX/XXXX bill there was a charge for XXXX dollars from XXXX XXXX which i did not authorize, I called the XXXX XXXX who handles my XXXX reward card since I did not know who XXXX XXXX was, i was told that XXXX XXXX was billing on behalf of XXXX a company that i purchased a year long XXXX coverage I attempted to call XXXX XXXX with no success so I had a three way call with the bank and XXXX XXXX since they were able to get thru to them where I was not. I was told by the bank that I had to contact XXXX which has no phone number only a live chat which went around in circles since no one on the chat could resolve the problem I was told I would be contacted via email which never happened. I recieved a letter from the bank that stated they needed my permission to consider it fraud and they would send me a new card, I sent that back. My XX/XX/XXXX bill arrived and the charge was still on it so I called them again. They said they were still investigating this charge. They are now sending me a no charge credit card, Today I got a call from the bank, the dispute department, they have no info, issued a new claim number and they now want me to send them some screen shots my brother took. This has caused me hours and hours of my time, some time on my brothers part and a lot of frustration. I feel that they are putting undue pressure on me to pay this fraudulent charge by making it time prohibitive for me to continue to persue this issue. This is the very short version

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 2018-06-02
Company: Commonwealth Financial Systems, Inc.
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I ask this company to validate this debt for me and they still haven't properly verified or validate this debt. I do not have any knowledge of this debt. Under the FCRA section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify through physical verification of the original sign contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18
Company: PDQ Services, 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:
Dear Consumer Finance I am writing a final statement to inform you that I do n't believe I 'm treated fairly. My case with PDQ seems to get thrown out everytime without anyone taking a close look at it. I need a supervisor at both CFPB and PDQ to look over this case along with the account. It is a fraudulent error account on my credit report. I am only left to file a lawsuit against PDQ, XXXX, & XXXX. This is a situation that has been ongoing for a couple years and it seems to get over looked. If no one looks after this case, I am left to file a lawsuit against the two bureaus along with PDQ. This is not a threat, i am fed up and wo n't allow a fraudulent error to remain on my credit report that is n't mine. This case has been looked over and someone needs to take a very close look at it and not allow it to be over looked this time around. If no one looks over this case correctly I will post all the credit bureaus and PDQ on public record if this gets over looked and a positive resolution is n't correct on my credit file. Please investigate this case closely. I sent in certified letters to PDQ, XXXX XXXX & XXXX to review this case and I asked for any documents from each credit bureaus along with PDQ and no one sent me any documents bearing my name or signature. It is very frustrating and embarrassing and comes with great pain to be going through a situation where a fraudulent error is torchuring my life and credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 Reporting act XXXX  Accounts : -XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # 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 a 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