BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-31
Company: OneMain Finance Corporation
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Dear Consumer Financial Protection Bureau, I am writing to file a complaint against One Main Financial regarding an error on my account. My name is XXXX XXXX XXXX, and my One Main Financial account number is XXXX. Despite my multiple requests to satisfy my account as paid and closed, my account still shows a balance owed. 

On XX/XX/XXXX, I requested a payoff amount, and I received an email copy of the payoff amount, which totaled {$8500.00}. I made two regular payments of {$440.00} in XX/XX/XXXX and {$350.00} in XX/XX/XXXX. Since XX/XX/XXXX, I have made several principal payments totaling {$11000.00}, and a final payment of {$240.00} on XX/XX/XXXX, which was supposed to satisfy my loan according to the representative. 

Despite these payments, I have received an email stating my statement is available, and my mobile app still shows an outstanding balance. I have attached my final payoff document and a screenshot of my payment history for your reference. 

I have contacted One Main Financial multiple times and was told that my account would be closed after a payment was made, once on XX/XX/XXXX, and again on XX/XX/XXXX. Today, I made an additional payment of {$310.00}. However, my account remains open, and I feel scammed and frustrated. 

I am questioning One Main Financial 's accounting practices and would appreciate it if you could investigate this matter and reach back out to me with a resolution. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: EQUIFAX, INC.
State: MO
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 am a single mom and I want my credit report to be fair, I recently got out of the XXXX  due to XXXX upon finding out that unverified, invalid, and inaccurate information is on my report. I want my report to 100 % right. 


I have the right to privacy In accordance with the Fair Credit Reporting act : XXXX Account : 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 Thank you very much

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
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:
I have been a victim of Several Data Breaches resulting in possible Identity Theft. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report are in error, do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score that I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined. 
XXXX XXXX XXXX Account numberXXXX  Account XXXX XXXX XXXX XXXX XXXX Account numberXXXX Account typeUnsecured Responsibility Individual

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 2023-05-24
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 have financing with XXXX XXXX through Synchrony Bank. I made a flooring purchase on XX/XX/XXXX in the amount of {$2600.00}. The purchase agreement was XXXX percent interest as long as it was paid by XXXX. I then purchased flooring on XX/XX/XXXX in the amount of {$5800.00} and I asked the sales rep at the store if this would be considered a seperate charge he stated yes. And that I did not have to pay on this purchase until the other purchase was paid for. I have now called Synchrony Bank to see why I still owed {$800.00} on my first purchase and was told by the manager at Synchrony Bank that they monthly payments I was making was going towards the new loan not the previous loan. I had expressed that I was not informed that it would automatically go towards the new loan. It seems to me that synchrony was making the payments to the new loan so that the intrest would be added to the previous loan. I have called Synchrony to request to change the payments i made to go to the first loan and was told by a manager that there was nothing he could do. I am filling a dispute with them. I want them to put all the payments i made from XXXX XXXX to now to be put to my first loan.

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 2022-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
TransUnion/ LCI is reporting that the bankruptcy court furnished them with information from us bankruptcy court of New Hampshire XXXX I received a letter from that court stating they do not supply information to credit reporting agencies. I also contacted XXXX who also states the same, that they do not verify or supply these credit reporting agencies with information.

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 2023-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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:
While checking my creditwise report, it was reporting two hard inquiries on XX/XX/XXXX and XXXX to a XXXX XXXX through XXXX. Neither my wife nor I have Applied for any new accounts or inquiries since we bought our house in XXXX. I contacted Both Transunion and Experian to freeze and report the fraudulent activity and once that was done both advised me to file a report with local police ( XXXX XXXX took my report ) and then the FTC. So far, and to the best of my knowledge no money has been taken or charged in our name.

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 2022-04-04
Company: Experian Information Solutions Inc.
State: GA
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:
I have inquires that I did not authorize. I have called XXXX and Experian to get them removed and also the companies directly. I went to a dealership knowing exactly what finance company I was going to use in XXXX and without me giving approval they ran my credit through multiple companies and continued to run it months later in XXXX. I am not sure who was trying to buy a car in my name in XXXX of XXXX. 

The companies are : Experian- XXXX XXXX NO Automobile Dealers, New Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Companies Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Automobile XXXX XXXX Used Inquiry date XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Companies - non specific Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Auto Financing Companies Inquiry date : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Finance/Personal XX/XX/XXXX 2020

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 2023-08-02
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have spoke with the company maybe twice a few months ago and let them know that I will go into the branch and make a payment once i get a chance. Since then, i have gotten repeater calls from different agents and within a weeks time, my voicemail has been filled up with over 30 voicemails. This has happen over the last few weeks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: EQUIFAX, 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:
I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. 

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
XXXX ; XXXX and Transunion should not be reporting each Inquiry showing on my credit report as a separate line item. ( Please see page attached from my credit report. ) These multiple inquiries are well within the ( 14 45 plus ) days that is typically allowed to check different lenders and find the best loans. These inquiries are all like kind and therefore should only be reporting as ( 1 ) individual line item. They are not separate, individual entities. This reporting of multiple inquiries is seriously harming my credit score and these additional line items need to be removed and report only ( 1 ) inquiry for each. I have contacted the bureaus to fix this however, I have not been successful.

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 2023-05-25
Company: Lewis, McDonnell & Associates
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:
The original creditor was XXXX XXXXl original Account : # XXXX File # XXXX Balance : {$630.00} Current Creditor : XXXX XXXX XXXX XXXX XXXX XXXX 
They say the debt originated XX/XX/XXXX and charged off XX/XX/XXXX in the amount of {$630.00} The address XXXX XXXX XXXX XXXX. XXXX XXXX XXXX is not mine. My address is XXXX XXXX XXXX XXXX XXXX XXXX. The copy of the document that I received from XXXX XXXX XXXX XXXX XXXX XXXX was a XXXX document and it is not my Signature I want an original copy of the documents, and I would like to know how the company completed the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03
Company: DISCOVER BANK
State: ME
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
Discover Card raised my interest rate to XXXX without my knowledge or consent or for any reason. 

I wrote, called and was on a chat today XX/XX/XXXX submitting a formal request for an explanation. It was completely ignored. 

I had recently begun a program of a reduced rate of XXXX for 6 months due to a job change. I did not know it was at XXXX before around XX/XX/XXXX. I agreed to a freeze on my account and the temporary rate reduction. They were supposed to send me documentation why my rate was XXXX but never did. They also told me the freeze on my card was temporary. This was a lie. There is no guarantee my card will every be unfrozen. I have never paid late, have credit score of XXXX. 

I finally got a supervisor on chat who just kept telling me the same thing over and over about the temp interest rate and repeating what I already knew and completely ignoring my request for documentation as to why my interest rate went up from 12 to 14 % ( not sure ) in XXXX to XXXX. 

I also asked for a rate reduction. He completely ignored and just sent the same response saying my account freeze would be periodically reviewed like he was some kind of robot.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-03
Company: Experian Information Solutions Inc.
State: SC
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:
These are not my accounts 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 2023-08-02
Company: WELLS FARGO & COMPANY
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: Credit inquiries on your report that you don't recognize

Complaint:
I AM A VICTIM OF IDENTITY THEFT. INQUIRIES l MADE ARE UNAUTHORIZED AND DEMAND TO BE DELETED OFF FILE AND HISTORY AS MY PERSONAL INFORMATION HAS BEEN LEAKED FROM MULTIPLE DATA BREACH INCIDENTS .I HAVE ATTACHED A CLAIM REPORTED TO FEDERAL ENFORCEMENT ON BEHALF OF MY PERSONAL CHECKING ACCOUNT FOR STOLEN IDENTITY ,FRAUD DUE TO THE DATA BREACHES I HAVE BEEN VICTIM TO

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 2023-02-07
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts and informaation listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.

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 2020-12-18
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 claims to have investigate a dispute of a collections I had on my credit report, yet never provided me with information they obtained during the investigation used to substantiate the debt. I have no knowledge of the {$29.00} debt that is alleged on my credit report I owe. 

There is no means to appeal this or offer a statement through their website stating the debt is not mine and their investigation was inaccurate. Equifax appears to walk in lock-step with collections agency, as their investigation or lack of one agreed that the a 4-5 year old date of {$29.00} was correct. 

Had Equifax actually investigated my dispute, they would have obtained proof of the debt I owed and be able to provide it to me. There is no manner in which I can make this request. Instead of being transparent in their investigation, Equifax merely states we conducted investigation, verified the debt and " trust us. '' I do not trust them. Show me the proof that I owe a nearly half decade {$29.00} debt.

The public 's credit is controlled by only three organizations. Their transparency or lack thereof effects peoples ability to buy homes. cars or take out loans and use credit cards. Erroneous information which is then purportedly investigated and found to be valid without proof is a disservice to the public.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05
Company: Experian Information Solutions Inc.
State: MO
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's 3 accounts on my report inwhich are not mines, nor do I know who added me to them. Please remove these accounts. 1 ) XXXX XXXX XXXX, ( 2 ) XXXX, ( 3 ) 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 explanation
Consumer complaint received 2023-09-22
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On XX/XX/ 2023, I wrote Experian requesting that they remove all inaccurate names and update to my legal full name. They list 4 names for me which are inaccurate. 

I mailed Experian the required documents, social security card, driver 's license and also a copy of my electric bills as proof. All documents confirm my full name and address. 

I made this request because I am deeply concerned about identity theft and should have only one name on my credit report. 

This request was sent via XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX. 

Experian has not updated the personal name information on my credit file, leaving me exposed to potential identity theft.

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 2021-11-09
Company: Finance System of Green Bay, Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2021, Financial SYS added a derogatory mark on my credit report per XXXX XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtors creditor did not validate this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, Financial SYS has violated my rights as a consumer and I am requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: Fidelity National Information Services, Inc. (FNIS)
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Under the Fair Debt Collection Practices Act, debt collectors are required to identify themselves in any communication with a debtor. Complete Payment Recovery Services called me on XX/XX/2021 without stating who they were, their company name, and what their purpose was.

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 2023-04-20
Company: SANTANDER HOLDINGS USA, INC.
State: NY
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 with product or service terms changing

Complaint:
im a victim of fraud none of these accounts are on my concern, I am affected with my credit score, I need to fix the as soon as possible according with the law pursuant to section 605B of the fair credit reporting act, and send the required notification to all furnishers of this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17
Company: JPMORGAN CHASE & CO.
State: WA
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 made a large purchase on XX/XX/XXXX for {$8900.00} using my XXXX  XXXX credit card at XXXX XXXX. I have already paid the amount when the statement was generated. On XX/XX/XXXX, I cancelled the order. The merchant issued a credit immediately and on XXXX XXXX, it was showing as a pending transaction on the JPM site. However, the money hasn't been credited to my account yet. I called JPM today and was told that because it is a large amount, it is taking time. The problem is it is causing problem for me also, especially in the holiday season.

Company response to consumer: Closed with explanation