BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-23
Company: EQUIFAX, INC.
State: FL
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:
Equifax and XXXX  are reporting a personal loan I paid in full that it is close and drop a lot of point on my credit report. My understanding about paying a full amount in a loan it will increase your credit score but unfortunately my credit score went down 62 points. It was a credit union account, paid in full XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: Experian Information Solutions Inc.
State: GA
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 value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX Balance : {$13000.00} ; XXXX XXXX XXXX XXXX Balance : {$100.00} ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022.

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 2021-12-31
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I tried to close my account online with Paypal. The account would not close. I called the number on the website three times. Each time they told me I would not be able to close the account. I tried to remove my bank account info from the website and was unable to do so. After calling customer service again they said they could not help 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 2019-03-26
Company: Ad Astra Recovery Services Inc
State: WI
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Ad Astra Recovery Services has issued a balance on my credit report for {$750.00}. This balance has been on my report for 5 years. This balance was included under my bankruptcy. Over the years, I have made several calls to this company to get it removed from my credit report and they wont listen. They keep changing dates and it is becoming very frustrating. I have also tried disputing this charge with know success. I am asking that this balance gets deleted from my account asap. They are destroying my credit for a balance I don't owe. Everyone who have spoke to were rude, disrespectful and unhelpful. I was often yelled at, and once hung up on, although I was talking very politely. I was also left on hold for several mins, after 1 rep did agree that the balance should not have been reported to the credit bureau. After that she disconnected the call, and each time I called back no one was able to transfer me to her and said there were know notes on the count. This company is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: EQUIFAX, INC.
State: LA
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:
This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit 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 XX/XX/2023 my capital one credit card was used to make a purchase in the amount of {$1100.00} at a XXXX XXXX that purchase was not made nor authorized by me, I called and informed my credit card company ( Capital One ) they sent me a letter 5 days later stating that after researching your case we found insufficient evidence of fraud - When I reached back out to them after letter to see how hey came to this decision they told me it couldn't be fraud because I still had my card, and chips can't be fraud, I was upset anger and hurt that I was on the hook for something I didn't do. My nephew was just the victim of fraud as we discussed I explained to him that I too had been a victim a few months ago and that I had been forced to pay it back and the reason he then told me that's not true he then went on XXXX and showed me the blank credit cards with the chips on them that you can buy for very cheap, he then XXXX can cards with chips still be duplicated and they can very easy, however capital one wants to force me to eat the lost instead of them and this is not right I have never been in a XXXX XXXXXXXX in the state of Florida.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXXXXXX XXXX XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have my rights 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: Kubota North America Corporation
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
On XX/XX/XXXX, I was sold a XXXX XXXX XXXXXXXX by XXXX XXXX in XXXX Texas for XXXX by XXXX and XXXX. I was XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. Everyone in the dealership could smell and see that I was XXXX XXXX XXXX, they have all since admitted it to me, including the owner XXXX. They even tried to sell me another tractor then, however I was too XXXX to go through with it. My XXXX  date is XX/XX/XXXX. I do not recall much of the ordeal. They have an email registered to that account that I do not recognize. I dont think I signed the agreement, I dont remember. Within the last 2 weeks, I contacted the owner XXXX and although he agreed that I was XXXX XXXX XXXX, he did not grant me relief. I then contacted kubota credit corporation. Kubota credit then began a series of misleads. XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX made consistently misleading statements about the email of record as well as their chain of command. Each of them sent me to each other, claiming to be the supervisor. I wasnt told if I received any veteran discounts or agriculture exemptions. To this day, Ive not been given a copy of the contract, that I can remember.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
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 they violated my rights. 
Please delete the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-03-25
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have requested a credit line increase. They claim too many recent inquires. I have 3 in 24months. 2 with the same bank, same week. Citibank can not tell me what is considered too many inquires, just that is the reason for the increase denial. My credit scores are 800+, very low balances. Paid Monthly. 

I believe the are declining this for another reason they will not state.

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 2021-12-31
Company: CAPITAL ONE 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 status incorrect

Complaint:
Account number XXXX Account status Open Date opened XX/XX/2021 Account type Auto Loan Paid Off : 2 % Balance on XX/XX/2021 Loan Amount {$89000.00} {$92000.00} Payment Info Status Current, was past due 30 days Status date XX/XX/2021 Past due amount - Original loan amount {$92000.00} Monthly payment {$1400.00} Late payments XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 - - - - - - XXXX On Time My family has been afflicted with XXXX several times. I still managed to make my payments. XXXX posted my payment late but I paid before the 30th day. 
Capitol one credit card was paid off, then posted interest of XXXX dollars and did not notify me and this was after the card was closed. 
XXXX is completely paid in full and I never received any bill or notification that my bill was due. 
XXXX also reported late inaccurately even though I notified them that I was quarantined with XXXX. 
XXXX XXXX  report of a late is inaccurate. I paid before the 30th day. 
XXXX did not update my report on my XXXX XXXX account to reflect a XXXX balance after I paid in full before XXXX report. Also report of payment is missing for XXXX, XXXX and XXXX, all paid on time! 
I disputed the late payments on my prior student loans because I was displaced during a federally declared disaster. Still not updated. 
During the months I had XXXX and when my family did as well we were quarantine so I could not do anything until I was well enough to talk and go to my bank. 
XXXX ; XXXX reported late payment. Payment wasnt late and XXXX XXXX updated. Please see XXXX for accurate information. 
As Americans navigate this declared disaster none as Covid 19 it just seems reasonable to grant some grace to consumers who are earnest. Ive been sure to pay all my bills.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-06
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
XXXX XXXX XX/XX/XXXX  SS # XXXX My only name is XXXX XXXX My only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX There may be individuals that have the same as mine. Creditors may have entered my name, address, and/or employer incorrectly when requesting my credit report. 
Regardless there are forms of my name and addresses that should not appear in my credit file. 
Please promptly remove all other names, addresses, and employers. These other forms of my name, address, and employer are not correct historical data so they need to be 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 explanation
Consumer complaint received 2023-09-01
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had XXXX XXXX, canceled my account, and returned their equipment to them and they still charged me and sent me to collections. 

Collections : Credit Collection Serv Acct # XXXX in the amount of {$400.00}

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I move out of the XXXX apartment XX/XX/2020. I did a final walk through with a member of the management at the time XXXX. I was told the apartment was in good shape and there was no concerns. Now theres a collection on my credit claiming I owe them {$700.00} for damages. I looked at the recent reviews on the property and multiple other people are having the same issue XXXX is claiming damages to the units after confirming with the tenants there was no concerns. I need these fraudulent charges investigated and I want to hold them to the full extent of the law. False information like this caused my credit to drop XXXX points damage that will take years to fix.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage company PHH is not making timely payments from escrow to pay my insurance premiums. In mid-XXXX of 2021, my flood insurer advised that the {$750.00} premium had not been paid and was overdue. I had to make a direct payment by credit card to avoid a lapse in coverage despite the fact that the mortgage company has been billing for this premium to be paid out of escrow. The same thing happened today. My homeowner 's insurer advised that premium of {$2000.00} had not been paid and is now overdue. They want me to make a direct payment today to avoid a lapse in coverage. When I call the PHH customer service telephone number, I can not get through to a live person. When I send them an email, I receive an unhelpful response indicating that they are looking into it and will get back to me. But they don't.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: Experian Information Solutions Inc.
State: SC
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 very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX Account Number : XXXX This is a charge off account and the balance should be {$0.00} and why is it showing {$10000.00} on my credit report that is seriously damaging my credit scores Please delete this inaccurate information form my credit report 2. This agency is in violation of 15 U.S.C. 1692g. 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. I do not validate this debt. 
XXXX Account Number : XXXX This is a charge off account and the balance should be {$0.00} and why is it showing {$16000.00} on my credit report that is seriously damaging my credit scores Please delete this inaccurate information form my credit report 3. This agency is in violation of 15 U.S.C. 1692g. 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. I do not validate this deb XXXX Account Number : XXXX This is a charge off account and the balance should be {$0.00} and why is it showing {$16000.00} on my credit report that is seriously damaging my credit scores Please delete this inaccurate information form my credit report

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 2023-09-02
Company: FIFTH THIRD FINANCIAL CORPORATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
XXXX this was closed out but out of all the documents that were posted not one of them pertained to the fact that I was approved to receive my payment for {$2000.00} for fraud on my account, but they have not sent me a check for the claim that I was approved for and I was told by one of the customer service representatives that changed my address to the correct address last week that fifth third bank sent my check to the wrong household and someone cashed my check because they were saying someone went inside the bank with a no hair on their face no covid mask that surely was not me because i wear a covid mask daily and I also have a beard they did not have anyone like me inside that branch cashing a XXXX check yet when they saw that I had a beard they refused to allow me to see the footage when i was sent into the branch to so-called see the footage the ladies refused to let me see it because they knew it was not me... next thing on my account they had notes of some real discrimentation leaving comments like my skin XXXX and beard was fake beard and fake hair they have never seen me a day of their life and surely don't have a fake beard this was an attempt to not satisfy a claim after I was approved for ... I have a letter that I received with no check and I have been calling about this issue for the past 2 months yet I have not received a check to clear this account, cause it's getting to the point that I need to be compensated for all of this they have sent me through so they would not pay me the amount for the claim that I was approved for and I am owed I hope this gets resolved quickly because if it doesn't the bank will need to compensate me, especially with my house close to going into foreclosure because of this issue that the bank has sent my check to the wrong person and have not corrected this issue since I first told them i havent received my money over a month ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Name : XXXX XXXX XXXX Address : TBD, XXXX XXXX NY XXXX XXXX : about {$610000.00} Annual income : {$95000.00} Rent : {$2200.00} Current Outstanding Principal : about {$75000.00} Cars Outstanding Principal : about {$37000.00} New Mortgage amount : {$200000.00} Reason : To consolidate debts. 

On XX/XX/2021 I applied to refinance XXXX Condo. with Wells Fargo Home Mortgage, I had verbally confirmed my eligibility and we agreed to pursue. 
On XX/XX/2021 I submitted the majority of required document and asked to pause on appraisal until I get conditional approval. 
On XX/XX/2021 I was assured by Wells Fargo team that all conditions have met and I should pursue with the appraisal. And I did. 
On XX/XX/2021 - I was verbally given closure date - XX/XX/2021. 
On XX/XX/2021 - I was verbally given closure date " before XXXX '' XX/XX/2021 On XX/XX/2021 - I was given a new date XX/XX/2021. 
On XX/XX/2021 - I received a call stating that I do not qualify for refinance, because the mortgage does not meet XXXX XXXX requirement for investment property " it is 27 %? renters in the building '' On XX/XX/2021 - I asked to provide me an official decline letter in writing. The company failed to provide me a letter. I also asked the company to reimburse me for appraisal fee. 
More references available upon request.

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 2021-12-31
Company: Experian Information Solutions Inc.
State: IA
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:
Request for VALIDATION, NOT Verification XXXX XXXX XXXX, 2021 XXXX RE : Account # XXXX To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.

Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service :

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