BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-12
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:
I have tried for the past 3 years to get my credit report from Equifax. Everytime they say I do not have a file in my name. How can your credit file automatically just dissapear like if it never existed. I have called them numerous times and they continue to say my file is not on record. They cant find my name, my social security number, nothing. Why if I had a report before they can not find any report in my name or under my ss number? It just dont dissapear. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17
Company: EQUIFAX, INC.
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:
A little while ago, I split for my emotionally volatile wife, I thought she used my XXXX to pay for some items ( XXXX  ) and I raised a complaint with XXXX  and XXXX  but XXXX never responded, I have quite a hectic life with 2 jobs and children along with lots of medical conditions and for a number of months they never responded to me, and I kept chasing up using resolver and they still never got in touch - I left my phone number on each one. After a period of time I got fed up of the problem not being resolved and I naively stopped paying which is something I regret hugely, at this point I also referred the matter onto the Financial Services ombudsman and when XXXX the representative contacted me he suggested not to start paying again until the investigation has been completed. Financial Ombudsman stated I was right, and confirmed my win however XXXX were allowed to register some late payments on my credit account, which I feel now is unfair, and is now scuppering my plans to get a mortgage. I have also had the amount on the account increased with late payments and interest added.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: U.S. BANCORP
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
US Bank closed bank account associated with credit card, but left the credit card open.

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 2021-07-26
Company: RockLoans Holdings LLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is my second attempt to get this alleged debt removed from the consumer reporting bureaus. I requested verification on the alleged debt and was not sent a valid contract with my wet signed ink signature on it and also stating I have an alleged debt with XXXX XXXX. My legal requests were failed to be met and they are in clear violation of the FDCPA. This alleged debt needs to be removed from my consumer reporting immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Got a Prepaid American Express gift card today XX/XX/2023 and tried to use it for XXXX gifts for my son. Its constantly declined on every website, it says payment issue please try again and when I tried to transfer the money to my paypal just to see if it would work there it continues to say my card doesnt exist. I called the company and the card is activated and theres money on it. Basically I cant buy part of my sons gifts because I was relying on this gift card and it doesnt work at all on any website or in store.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
THE ONLY CHECK I RECEIVED IN XXXX CAME VIA USPS. SOMEONE CALLED AND LEFT A VOICEMAIL THAT DID NOT SAY I HAD TO CALL BACK TO CONFIRM I HAD RECEIVED THE CHECK OR YOU WOULD STOP PAYMENT ON THE CHECK THAT CLEARLY STATED ON IT THAT IT WAS VALID FOR A YEAR!!!! THE LETTER I GOT ALSO DID NOT SAY I HAD TO CALL AND CONFIRM RECEIPT SO THE STOP PAYMENT WAS ILLEGAL AND COST ME AN ADDITIONAL {$15.00}!!!!! WHOEVER CLAIMS THEY SENT A SECOND CHECK IS A BOLD FACED LIAR!!!! NO SECOND CHECK WAS SENT!!!! ALL I GOT WAS A RECEIPT FOR THE CHECK SENT IN A FED EX ENVELOPE AND DELIVERED TO MY FRONT DOOR!!!! THAT'S A LOT OF WORK FOR A USELESS PIECE OF PAPER!!!! BUT AGAIN, NO ONE CALLED TO CONFIRM I RECEIVED A CHECK THAT I HADN'T AND NO ONE MADE ME CONFIRM I HAD RECEIVED THE SECOND CHECK THAT I HADN'T!!!! DID YOU STOP PAYMENT ON THAT ONE AS WELL BEFORE YOU SUPPOSEDLY SENT A THIRD CHECK THAT YOU DID NOT SEND???? ALL I GOT IN XXXX WAS ANOTHER RECEIPT FOR A NON-EXISTENT CHECK DELIVERED IN A XXXX XXXX ENVELOPE TO MY FRONT DOOR!!!! AND AGAIN NO ONE CALLED TO MAKE SURE I RECEIVED THE NON-EXISTENT CHECK!!!! ONLY ONE CHECK WAS SENT AND YOU ILLEGALLY STOPPED PAYMENT ON IT BECAUSE OF SOME STUPID POLICY YOU APPARENTLY MADE UP AFTER THE FACT!!!!! YOU STOLE MY MONEY TWICE AND I WANT ALL OF IT - {$50.00} - RETURNED IMMEDIATELY!!!!! THIS IS 100 % ILLEGAL AND COMPLETELY INCOMPETENT!!!!! I ALSO NEED THE NAME OF THE STUPID PERSON SENDING THE LETTERS WITH WRONG INFORMATION AND LIES!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I owned a XXXX XXXX and I voluntarily surrendered it due to transmission issue. The seller made false representation for the warranty. As a result, I return the car. The seller reporteda balance of {$18000.00} which I disputed. Now that company is reporting it illegally on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I recently received a copy of my credit report and noticed that I had an account reporting that I did not give authorization to. XXXX XXXX is reporting that I owe them a debt. I can assure you I have never heard about XXXX XXXX, have for sure never signed any contract with XXXX XXXX to put my into debt with that company. I asked for proof of a contract I made with them regarding this debt and was provided none. I need this account removed asap or I will be filing a identity theft 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 non-monetary relief
Consumer complaint received 2022-10-10
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 am submitting this CFPB complaint to request to the Credit Reporting Agencies to please do their job accordingly. I feel like the Credit Bureaus are doing their best to correct my Credit File or perhaps they are not doing anything at all. Under the Fair Credit Reporting Act section 605b, the Credit Reporting Agencies are required to remove the disputed accounts and information from my Credit File that resulted due to identity theft. I previously sent a dispute letters on XX/XX/XXXX, with complete attachments of my personal identifying documents as well as the identity theft report I received from the FTC. Once again, these accounts and information that are being reported on my Credit File are unknown to me and needs to be deleted as soon as possible. Under the provisions of the Fair Credit Reporting Act, I am in need to remove the following items completely from my Credit file : XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX CO XXXX XXXX Original XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$760.00XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Owed : {$240.00} XXXX XXXX XXXX  Original Creditor : XXXX XXXX Balance Owed : {$51.00} XXXXXXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$820.00} XXXX XXXXXX/XX/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 non-monetary relief
Consumer complaint received 2023-02-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
My bank of America credit card advertised a balance transfer rate of XXXX percent. I use the card for every day purchases as well. There was a clause that said purchases made would accrue interest unless balance was paid off at the end of each month. I called them to ask if this meant the whole balance or just the purchase balance and they told me just the purchases. XXXX XXXX XXXX, I noticed I was accruing interest, I called, they reversed and told me I was given the incorrect information. They also told me because of that they would refund interest going forward but I would have to call in. So a few months after I called in to have the charges reversed again and they refused saying the person hadn't noted it on my account ( even though they said they did ). Even speaking with a supervisor they refused and got belligerent about it. I asked for further review and they said there was nothing more other than filing a " bank complaint '' which they never responded 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 explanation
Consumer complaint received 2021-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 XXXX XXXX! I have reached out to these dam credit companies multiple times and havent gotten XXXX back. These false reporting accounts on my credit report has hindered me from purchasing a car and soo much more. I ask that these accounts be removed immediately as this XXXX is literally XXXX up my life.

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 2022-03-03
Company: CURO Intermediate Holdings
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
i got a collection on my XXXX report that i did not recognize and never receive any validation about the debt. 
Original Creditor : XXXX XXXX and last report was on XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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 set out to improve my personal credit XX/XX/2022. I sent a certified dispute letter with tracking numbers XXXX XXXX XXXX XXXX XXXX to CAPITAL ONE. They never responded to my dispute letter however they continue to report updates to this inaccurate account on my consumer reports. 

I also sent certified dispute letters with all three credit reporting agencies regarding the inaccurate CAPITAL ONE account. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account is reporting different information on each credit reporting agency. This account has caused multiple missed credit opportunities. This has been a very stressful situation for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: ALLY FINANCIAL 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: Account status incorrect

Complaint:
Account with Ally is paid in full. Still shows on all credit services. Ally said the reported paid off closed on XX/XX/2021. None if the credit companies have received payoff information. Ally states they will fax payoff letter and do not do it. I have disputed with each credit company. Still unable to get it removed from my or my husbands credit

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 2023-04-26
Company: EQUIFAX, INC.
State: KY
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:
On XX/XX/XXXX got a notification from myFICO app that there was a new credit inquiry on my report from signature federal credit union from XX/XX/2023. I did not give them permission to run my credit nor have I had contact with this institution in over 3 years and they had no reason or right to be running my credit. It is a fraudulent act. 
I called the credit union to only be put on hold and call was never answered, I also left a message but did not receive a callback.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 XXXX ; XXXX XXXXXXXX ; 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 : 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 2023-02-02
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Following up on complaint : XXXX The response received was nearly word for word a copy/paste of the canned response I was sent when contacting Chase directly, and did not explain how I my card did not qualify for the advertised offer. 

Using the internet, I was able to obtain screenshot proof that the offer was being promoted for the card I applied for on the day I applied for it : XXXX XXXX XXXX XXXX XXXX This has not been addressed by Chase and I would like them to comment on it specifically instead of continuing to ignore it and simply state that their 'offers change '.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: EQUIFAX, 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 send previous written request, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with the Credit Reporting Act, 15U.S. Code 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-22
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a Paypal credit account with the email address XXXX -- which is how XXXX ( Synchrony Bank ) identifies my account. I had set up a payment for XXXX XXXX, of {$77.00} -- but for some reason, the bank had no record of it, so I redid the payment on XXXX XXXX -- but had already been charged a late fee of {$30.00}. I called them to ask them to waive the late fee -- the customer service rep stated he would but I would still need to pay it and it would be adjusted the next month -- but I told him I'm a senior and on a fixed income and I could only make the normal payment and he agreed that it would be adjusted later and I would get a new minimum payment in 24-48 hours and he would make a note not to charge me a late fee. But what he didn't tell me was that he took the late fee off my balance and not off my minimum payment. So in XXXX, I made a payment of {$76.00}, my regular payment. Then I see that today, XX/XX/2022 the bank shows a past due amount of {$140.00} -- in addition to the {$76.00} I paid on XX/XX/2022 -- which was on time and on the date due. They had added another late fee. I called and they agreed to waive {$41.00} late fee -- so now I owe {$110.00}, instead of {$89.00} -- I guess because they seem to be adding more late fees. Although this payment isn't due until XX/XX/XXXX, it shows past due, which it shouldn't. After the representative finally agreed to deduct the {$41.00} from the minimum payment, ( though even now, the site is still stating that I'm past due ), I asked to speak to a supervisor about the {$30.00} late fee. Because I complained that the rep in XXXX did not tell me that he had subtracted the {$30.00} from my balance rather than deducting it from my minimum payment -- possibly due to the agent not having a command of XXXX because he is in a foreign country, or because he just was lying to me, I got transferred to someone in the U.S. who was not a supervisor and who accused me of disparaging the original rep 's race -- which I wasn't. I explained I wanted the {$30.00} deducted from the minimum payment, he said that they couldn't do that and even if the rep stated the {$41.00} could be deducted from the minimum payment there was no guarantee that it would. And I asked to have a supervisor call me and he said they were busy and they'd only call me back if they thought they could do something about this. I want my {$30.00} late fee deducted from my minimum payment as promised by the first rep

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-13
Company: CCF Intermediate Holdings LLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX XXXX I have been contacted in XXXX by the company saying I owe the above amount. I requested debt verification information and was told I would receive it within 90 days. I never received it so when they contacted me again in XX/XX/XXXX I again requested the info and was told would receive within 90 days. After the 90 days i asked the debt be removed but was told i would receive the verification in 30 days. I asked if it could be removed from my credit report and was sent another payment email instead of a response. I feel I have wasted enough time requesting the verification info and waited long enough with the negative debt on my credit. I would like the debt removed.

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 2023-02-17
Company: Consumer Portfolio Services, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
After reviewing my credit report I noticed this company report a collection account under XXXX XXXXXXXX XXXX. After countless disputes about the unrecognized debt that I do not owe, the company replied I didn't deny it within 30 days so their company was allowed to report the unowned debt to my consumer report. I never received anything from the company prior to disputing negative account on my Consumer credit report. I have sent countless unresponded rebuttals denying ownership of this collection account and demanding removal. The company only changed the name of its company to XXXX XXXX XXXX  which are part of XXXX XXXXXXXX XXXX. I never received any form of contact to verify/ deny ownership of debt till after the company reported inadequate information to my consumer credit report. The company has illegally obtained and distributed my information without having any contract, verbal, or written permission to have my information. This company is reporting inaccurate and Unverifiable Information to two of the reporting agencies XXXX and XXXX. This debt that this company is reporting another company is now requesting verification or denial of ownership and claims they are owners of the debt. Which further establishes this company 's unlawful violation of my consumer right.

Company response to consumer: Closed with explanation