BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-05
Company: Professional Debt Mediation, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company XXXX XXXX XXXX is trying to collect {$3600.00} and {$1000.00} from me for a bill they claim I owe. I have written them several letters since XX/XX/2016 demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill from XXXX XXXX XXXX with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay XXXX XXXXXXXX XXXX. '' They sent me a computer printout of a bill, but nothing with my signature on it showing a contractual relationship between myself and XXXX XXXX XXXX. They are in violation of the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money to them and they have no document bearing my signature wherein I allegedly owe them any money or authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05
Company: Evergreen Financial Services Inc.
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My father signed the document that he would pay for my braces. He was unable to do so and this debt was passed to Evergreen Financial. Instead of contacting my father to collect the debt they have contacted me. 
I have informed them on multiple occasions to contact my father however they have made no attempt to do so and have continued to call me at work and other inappropriate times. 
I also find it suspicious that they have not attempted to contact my father. He informed me that he filed for bankruptcy not too long ago. That bankruptcy would discharge the debt. I suspect that they are attempting to illegally collect the debt from me since I may not have knowledge of the bankruptcy. 
When I informed them of this information and requested they stop attempting to contact me, they put me on hold for 10 minutes while I was at work.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06
Company: Advance America, Cash Advance Centers, Inc.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Someone contacted me on XX/XX/XXXX claiming to be a litigation attorney ( even though I can not find the actual law office anywhere online ), and said that Advance America is filing charges against me for fraud for giving a bad check. The attorney himself stated that the check was not bad when it was given, that they even tried to run it and it came back as insufficient funds. The account was closed for non-use not long after when I moved cities, and I was not contacted by the company saying that I owed a debt, and I legitimately forgot about it. This was originally in XX/XX/XXXX, and I have not once received any kind of contact until today when they told me charges were being filed against me because I took out a loan with a bad check, which again, they stated themselves was not a bad check when I gave it to them. They are threatening to come to my work, or that I might go to jail because of it, even though the county told me themselves that the case number they gave me was n't even one that 's used in their court. I would have no problem paying back the loan, but no one has contacted me until now, and no one gave me any information until this morning when legal action was threatened.

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 2017-09-29
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Regaurding my XXXX account XXXX XXXX XXXX XXXX for a XXXX account, it shows the account late last XXXX. I have had numerous calls with chase and they agree this is at their fault and have agreed to remove the late stature for XXXX. Please reflect this and the jointly agreed upon decison

Company response to consumer: Closed with explanation
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:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX # XXXX, U S dept of ED/XXXX  # XXXX {$5800.00} {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX hard fraudelet hard inquiries XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX 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 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 2019-11-25
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/2019, I received three emails from Synchrony Bank, alerting me that deposits had been made to an Amazon Creditbuilder account in my name. While I do have an Amazon Prime account, I do not have an Amazon Creditbuilder account, which is a secured credit card. This account is fraudulent, as I have never applied for one, either. 

I have spent five hours trying to get in touch with someone at Synchrony Bank to report this potentially fraudulent activity, but their electronic chat feature will not load and each of the four telephone numbers I have attempted to reach has said that they are unable to process my call.

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 2017-08-22
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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX XXXX, in XXXX 2007 I was a victim of identity theft and fraud. I have filed 7 Police reports in different states with in the past ten years and place a fraud alert on all the Credit Reporting  Agencies ( CRA ) Experian, XXXX, and XXXX. trying to correct my credit report. The problem I 'm having with all credit agencies, is that their not complying with the Fair Credit Reporting Act Laws. The ( CRA ) are by law to verify documents sent from the creditor ( s ) place into my credit file. I have been  sending request that the ( CRA XXXX provide me with that proof of documents verification for over 1 year and I have not received a response and when I call over the phone. The XXXX CRA XXXX always state that they never received my supportive police reports or complaints. Page 35 : 609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : ( FCRA ) Page 37 ( 2 ) Summary of rights required to be included with agency disclosures. A consumer reporting agency shall provide to a consumer, with each written disclosure by the agency to the consumer under this section

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 2018-09-05
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/2018, the loan was in foreclosure and my home was scheduled for sheriff 's sale. The lender ( Santander ) reported the principal at that time was {$350000.00}. In XX/XX/2018, I paid the required reinstatement amount of {$68000.00}. In XX/XX/2018, I made another payment for {$8000.00}. After I made these payments ( for a total of {$76000.00} in payments ), Santander now reports the new principal is {$340000.00} -- a mere {$13000.00} difference? I understand that there are fees and penalties associated with foreclosure, but this seems excessive. Moreover, this practice is extraordinarily misleading, the reinstatement papers should have clearly disclosed that less than 10 % of my {$68000.00} would go to principal. 

The lendor ( Santander ) has failed to provide a clear breakdown of how the {$68000.00} was applied or how escrow was used. I have called numerous times and none of their reps will explain anything. Moreover, when I called in XX/XX/XXXX to inquire about the Santader 's receipt of the reinstatement amount ( {$68000.00} ), and asked when to resume monthly payments, Santander 's rep said that they had no info about the $ XXXX payment, that the loan had been " sold '' and that no additional payments were due- the rep said I'd be hearing from the " new lender. '' When I didn't hear from a " new lender '' by XX/XX/XXXX, I called Santader again, and was again told that they didn't have the loan. After hours on the phone, the rep finally determined that indeed Santander did still have the loan, but that a new account number had been assigned. The rep refused to provide any information on Santander 's receipt of the {$68000.00}, or how it was applied. The rep only continued to demand money and thousands of dollars in new late fees!

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 2022-07-05
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: Was not notified of investigation status or results

Complaint:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
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:
You are reporting this collection as an OPEN ACCOUNT which is not under the FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: EQUIFAX, 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:
CHECK FOR METRO 2 REPORTING COMPLIANCE versus alleged data that is NOT YET PHYSICALLY CERTIFICATED as FULLY TRUE, ACCURATE, COMPLETE, TIMELY, MINE, MY RESPONSIBILITY or adequately displayed as MANDATED by every and one even each any and or all laws, mentioned or NOT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: DISCOVER BANK
State: MN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Discover Student Loans Sent payment via certified mail XX/XX/22 to pay off the amount of XXXX after calling to confirm full amount due same day- talked to XXXX XXXX Now being charged XXXX for accrued interest in the 5 day period despite payment being sent and received XX/XX/22, applied to account XX/XX/22. When checked the interest rate, it is 9.59 % so interest would be considerably less than the amount still owed. I plan to pay it in full but still would like a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Equifax and XXXX are incorrectly reporting me as an Authorized User on the XXXX XXXX XXXXXXXX - partial account number XXXX. ( Please see pages 4 and 5 of the attached credit report. ) I called XXXX XXXX XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however Equifax and XXXX have not removed this from my credit report. I have contacted the two bureaus to fix this issue however, I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
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: 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 requested an investigation on my credit report from the XXXX, TRANSUNION and XXXX regarding possible fraud accounts on my credit report, and they have not sent me information on investigation status or accurately verified information regarding these accounts. I would like theses accounts removed if there is any incorrect or missing information as it is injuring me commercially. Per, The Fair Credit Reporting Act and 15 U.S.C Sec.1681i ( a ) if these accounts are not 100 percent accurate then I can have them removed.

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 2020-04-23
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This account is not in my name and needs to be removed from my credit history. As of XX/XX/2019, this account was PAID IN FULL for the corrected balance due. They were in formed on numerous occasions that in XXXX this account was hacked. The person who hacked my account attempted to charge and make payments from fraudulent accounts. At that time, you closed my online access. Then refused to provide me with any monthly statements. However, during that time, you felt the need to charge late fee after late fee after late fee on an account that by your own admission I had no access to or record of account balance. It was not until you were threated with legal action that you provide me mailed monthly statements but that again took you over 6 months to do. 
Therefore, when I refused to pay those late fees you got mad. In XXXX of 2019 you were sent a settlement check of {$660.00} which was the correct balance after removing your numerously illegal monthly late fees. See if you dont provide a customer with account access or monthly statements you can not legal charge a late fee. SO, I thoughtfully removed those from my account and provide you with a final payment closing out this account in my name. 
Now you continue to refuse to acknowledge that you accepted the settlement agreement by depositing the check, yet you deposited the check and credited my former account. SO, any charges to this account after XX/XX/2019 are not mine and I have no legal responsibility to pay them. IN fact, this account is no longer considered my debit. 
So, as I have directed you several times. You are to cease and desist from contacting me any way, shape or form about an account that is not legally mine. As far as the credit agencies reporting this account should be marked paid in full account closed with no balance due as of XX/XX/2019. IF you continue to harassment and file false reports to my credit report, I will seek legal action. You have been warned!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. 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 Transunion more than 21 times. transunion 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 XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

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 2022-07-07
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I have requested an investigation on my credit report from the EQUIFAX, XXXX and XXXX regarding possible fraud accounts on my credit report, and they have not sent me information on investigation status or accurately verified information regarding these accounts. I would like theses accounts removed if there is any incorrect or missing information as it is injuring me commercially. Per, The Fair Credit Reporting Act and 15 U.S.C Sec.1681i ( a ) if these accounts are not 100 percent accurate then I can have them removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-07
Company: Lending Club Corp
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2019 I paid the full outstanding balance of {$7600.00} it's still showing on all the reporting Credit Bureaus with this outstanding balance,, should be an XXXX  balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22
Company: LOBEL FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
Helped a friend to purchase a car in 2012. I got financed through Lobel financial. Few months later due to friend being laid off, car was repossessed. Car ended up being sold at an auction, & balance that remained on loan was after them selling car was about {$5400.00}. My wages have been garnished since 2012. Every two weeks. I set up arrangements in 2012. 5 years I have been having $ come out of checks which is about {$3000.00} so far. When I noticed on my credit report that balance keeps going up and reflects no payments ever made, I called XXXX Sheriffs office, ( where Lobel said is responsible for garnishment ) when I called, I was told since my payments are set up as low monthly payments, that all my payments have been going to interest and fees to sheriffs office for their collection fee & my balance has gone up as it reflects no payments. So all these years & {$3000.00} has done nothing to amount owed. This is ridiculous!! & seems very illegal. I was never told their was a sheriff fee or interest on account when setting up monthly payments in 2012. I want amount due to reflect my payments that have been made for last 5 years on my credit report, & it to be reported monthly payments are being made.

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