BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-24
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
RE : Dispute of Incorrect Address on Consumer Report I am writing to dispute the following incorrect address on my consumer report : Correct Address : XXXX XXXX XXXX XXXX XXXX XXXX There are multiple incorrect addresses on my consumer report causing me problems such as difficulty receiving mail, being denied access to credit, etc. 
I have attached documentation to support my claim, including I request that you investigate this dispute and correct my consumer report as soon as possible. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, you are required to investigate all disputes within immediately and to correct any inaccurate information on my consumer report.

Thank you for your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: Lenox Financial Mortgage Corporation
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXXLENOX FINANCIAL MORT , has done an illegal credit inquiry and put I on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02
Company: CITIBANK, N.A.
State: DE
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
Nothing happened but I am writing to shame Home Depot for sending out notices to card holders stating they will start charging a whopping 29.99 % interest beginning XX/XX/year>. Highway robbery and, of course, this will hurt the " little '' person who has home damage from tornadoes, hurricanes, storms, etc. Home Depot is just in time for the tornado season.

Shame! Shame! Shame! 
Regards

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 2023-11-21
Company: Berlin-Wheeler, Inc. (Kansas)
State: TX
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX or XXXX of XXXX, I decided to leave the US to travel abroad, due to social stresses and personal loss. I turned in all my equipment to XXXX XXXX XXXX XXXX in XXXX XXXX. I am a 100 % VA XXXX rated Veteran and had no previous issues with XXXX. However, they said I was missing a cable box, which was not true. My bill reflected all the equipment I rented. I showed this to XXXX and they told me that it was possible the installer could have incorrectly recorded an additional box. I rebutted if that were true, it would have reflected in my monthly bill. They said they'd look into it. I left the US totally debt-free. ZERO debt. I have been traveling outside the US, ever since XX/XX/XXXX. I am presently living in XXXX, XXXX. I had no clue the matter was still an issue until I saw a {$310.00} collections on my credit report from XXXX XXXX XXXX , XXXX in XXXX of XXXX for XXXX XXXX. It was the sole blemish on my credit. I disputed it and it was removed from all credit bureaus. However, the following year on XX/XX/XXXX, another collection agency, Berlin-Wheeler, KS reported me again for collections to the credit bureaus, almost 6 years after the fact. I do not owe this debt. I never did. Had this been something I owed, I'd have paid it immediately, especially since it is a small amount. I have no problems admitting to or paying a debt. If I had financial problems, I would have worked out a pay arrangement. I left the US, debt-free. Since then, I have searched several forums and reddit pages that show this is a common practice of claims that equipment was not returned upon termination of service, particularly when the customer is leaving the state. I don't know what to do at this point. Even if it's resolved in my favor, there is still the chance I'll contend with this same issue again next year. This is akin to being sentenced to 5 years in prison for a misdemeanor. I'd have paid {$310.00} if I owed it. I know I'll return some day and will need cable/internet service.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12
Company: SYNCHRONY FINANCIAL
State: AR
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
My fiance took out a line of credit to pay for a vet bill we needed help with. I am also on the loan. We made what payments we could up until XX/XX/2023 when my fiance was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. He was in XXXX for months and has a XXXX XXXX XXXX leaving him XXXX XXXX XXXX and we haven t received any help outside of family. Its left me to becthe only income at the moment BC we r waiting on XXXX. I have explained this to carecredit yet the still email me daily and call multiple times a day.

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 2024-02-01
Company: ALLY FINANCIAL INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX provided a copy of my credit report to multiple companies without my authorization : -Ally Financial on XX/XX/XXXX -Ally Financial on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX  on XX/XX/XXXX As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy.

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 2024-01-24
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I called customer service and told them I was having issues with direct deposit and money being sent to my account using XXXX. The representative said my account was placed on hold pending address verification. I explained to the representative that should have not been an issue because I opened my account inside of a local branch and the banker did not ask for that information. I also informed her that the bank should have did address verification before they mailed out my debit card. She didn't respond to my statement. I also told her that I didn't receive any written document from the bank to ask me to verify my address or that my account would be put on hold because not verifying my address. I told the representative to send me an email with what I needed to do to unlock my account, but she didn't do it. I went to the branch where I opened my account and showed them my id and gave them the change of address letter from the post office. The banker said they need a lease, mortgage paper, or utility bill with my address. I told the banker that I am renting a room from someone and nothing is in my name. The banker then said that she would email compliance a copy of change of address paper, but they may refuse and could take up three days for them to respond. So as of today XX/XX/2024, I'm locked out of my bank account and I can't receive or withdraw funds. My job tried to deposit my paycheck, but the bank refused it due to pending verification of my address after they already mailed me my debit card and I received it with my pin. I showed the banker my debit card letting her that I received it at my current address and they said that is still not sufficient enough. Can you please help me get my account unlocked so I withdraw my funds and close my account.

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 2024-01-18
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
care cedit approve me for XXXX and then chg thier mind

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 2023-11-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my multiple attempts to inform you that I am a victim of identity theft and that I wish to dispute some records in my file that were obtained illegally. The documents I'm looking at don't have anything to do with me or my authority acquiring ownership of any goods, services, or money. Block the notoriety of any material in my credit report that resulted from a claimed scam or extortion, assuming no one cared either way. 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: EQUIFAX, INC.
State: IL
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 HAVE CONTACTED THE BUREAU SEVERAL TIMES IN REGARDS TO THESE ACCOUNTS LISTED ON MY CREDIT PROFILE. IT IS IN DIRECT VIOLATION OF MY CONSUMER RIGHT ACCORDING TO 15 US CODE 1681 b THAT I DID NOT GIVE ANY AUTHORIZATION FOR THESE ITEMS TO BE LISTED ON MY CONSUMER REPORT. MY CHARACTER IS BEING DIMISED BY THIS MISBEHAVIOR FROM THE CREDIT REPORTING AGENCY!! PLEASE REMOVE NOW AS THIS IS MY 3RD REQUEST

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I OPENED A MERCHANT DISPUTE WITH MY BANK WELLS FARGO UNDER THE CLAIM ID XXXX, FOR MERCHANDIZE NOT RECEIVED. 
I RECEIVED THE DOCUMENTATION FROM THE BANK REQUESTING TO SING AND FILL IT. 
I SEND IT TO THEM BY EMAIL ON XX/XX/XXXX  WITH ALL THE INFORMATION REQUESTED. 
A COUPLE OF WEEKS AGO THE PROVITIONAL CREDIT GIVEN WAS REVERSED AND I GET A NOTIFICATION FROM THE BANK THAT THE CLAIM WAS CLOSED AND DENIED BECAUSE I NEVER SENT THE INFORMATION REQUESTED. 
ATTACHED GOES AGAIN THE INFORMATION REQUESTED THAT WAS SENT TO THE BANK IN THE DATE GIVEN. NOW MY ACCOUNT IS OVERDRAWN AND COULD BE CLOSED DUE THE BANK ISSUE PLEASE PROCEED WITH THE MERCHAND DISPUTE THANKS

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 2024-01-17
Company: Americas Car-Mart, Inc.
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
This may seem not important to most people and I understand if there's nothing you can do. I searched for a local journalist and it lead me to you. I am in need of help even a phone call would help. My problem is I bought a vehicle from XXXX XXXX XXXX Mo . I already had one issue that was resolved because they sold the car they promised me. Now around the beginning of XX/XX/XXXX my truck was put in the shop because it needed a new engine I was told 2 weeks max is what it would take. It is now XX/XX/XXXX and no information on my truck. I was out of work a little bit and I had to struggle to make a payment but I did and then today I went in to make a payment under the promise my truck was ready. I paid and then they told me they don't know were my truck is. I called them and told them my boss advanced me the money on my check to be able to get my truck and that was ALL the money I had. At home me my wife and XXXX daughters have no water no heat and I could of used that money to help my family. They Lied to me and now my family is suffering so they can profit. I went from XXXX to XXXX for nothing yo leave broke and no truck. that truck is my way to work yo make money and they know that.. the manager just said there's nothing they can do. didn't offer my money back nothing.. not even a replacement vehicle. I'm embarrassed and depressed that I lost everything I had to try and take care of my family.I worked all week in the negative temperatures outside at my job for that money and it was basically stolen and they don't care

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. 

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed at :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-25
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX my credit file was pulled without my consent. This led me to look at my credit further. I discovered that the Dept of EducationXXXX had student loan accounts on my credit report labeled as open and 180 days past due. These accounts also state that the accounts were opened XX/XX/XXXX and reported XX/XX/XXXX, XX/XX/XXXX reported XX/XX/XXXX, opened XX/XX/XXXX reported XX/XX/XXXX, opened XXXX reported XX/XX/XXXX, opened XX/XX/XXXX reported XX/XX/XXXX. When I next checked my credit score, all of the accounts had been re-aged to say opened XX/XX/XXXX. I contacted these companies multiple times in XXXX through XXXX of XXXX, XX/XX/XXXX through XX/XX/XXXX. When next I requested signed documentation of any signed contract between myself and the U.S Dept of Education and any payment receipts. I have yet to have any documentation of alleged debts from the U.S Department of Education. When I called, it was explained that the debt had been sold to the U.S Department of Education and that was why it was being reported as opened on XX/XX/XXXX. This is however illegal and unlawful. According to the FCRA, any debt has to be reported as accurate as the same open date, even when changing owners. Furthermore, the U.S Department of Education is still reporting on an account as being paid on although i haven't paid on this account due to it not being mine, accurate or opened. Furthermore, the U.S Department of Education has not validated this date and does not have a contract or signature for payment from me to the U.S Department of Education, so this debt must be closed and wiped clean from 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 2024-01-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Problem with customer service

Complaint:
I was at the ATM machine on XXXX XXXX XXXX in XXXX Texas the machine number is XXXX and the machine took XXXX XXXX dollars from me I was trying to get it back but it wouldn't let me that's my rent money all I got was XXXX I have the receipt in the time it was at XXXX XXXX I didn't see a selection for ATM taking your money

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 2023-11-24
Company: Maximus Education, LLC dba Aidvantage
State: NV
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'm a member of the class action lawsuit Sweet vs. Cardona. On XX/XX/, I received notice that my loans would be forgiven and that I would receive more information regarding forgiveness in the coming months. On XX/XX/, I received a payment plan for the loans that are a part of the lawsuit and are set to be forgiven. On XX/XX/, I noticed that my loans were no longer in forbearance and that the loans showed they were in repayment. I emailed Aidvantage regarding this and never received an email back. Then on XX/XX/, I called Aidvantage to see what was going on, to which the Rep, XXXX, mentioned that they didn't know why this was happening and that the account would be placed on hold. On XX/XX/, the account still shows a payment date and that the forbearance is ending. I want to understand why the US government allows this company to continue to defraud people. And why I haven't received my relief, refund, and credit reconciliation, as the date for when the lawsuit terms should be fulfilled is quickly approaching. Do your job and protect defrauded borrowers who have suffered enough from this horrendous mishandling. This company is not fit to handle federal loans, and the government already knows this, but it continues to fail millions of borrowers daily.

Company response to consumer: In progress
Consumer complaint received 2024-01-03
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
I had added autopay to my account with a previous individual. One month I got a notice that my payment hadn't processed. I called and they said there was an issue with the account and that my autopay hadn't processed. I went into the account and manually processed the amount and a late fee was applied. When I called the agent- they're trying to put me through a separate setup for autopay. It's all VERY CONFUSING because none of the autopay issues seem to be directly my fault- as the autopay for some reason from the first encounter was never applied. Yet, when I went in to pay - everything was there for it to be processed. 

See notes for current issues in attempting to setup autopay and bi-weekly payments. I've been having issues since my loan was transferred to NewRez. Everything was fine before then. 

My credit & my equity have been significantly affected since the forced switch of lenders

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