BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-13
Company: CURO Intermediate Holdings
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX  Credit Bureau is reporting inaccurate information on AD ASTRA REC. Per FCRA, reporting must be 100 % accurate or the information must be removed. Asses this reporting by making a revision of the information provided. Change and perform any corrections or eliminate this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
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:
Please remove the accounts on my credit report because those are not mine.

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 2021-02-15
Company: EQUIFAX, INC.
State: UNITED STATES MINOR OUTLYING ISLANDS
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:
I recently disputed this information several times with XXXX  and the Auto Lender. XXXX  will put only what the creditor tells them and this needs to stop! Thanks to your website the late payment was disputed and resolved. 25 of the 30 pts taken on my credit score were given back due to the lender admitting that I should have never been marked late. Somehow this late payment is showing up once again on my credit report. It's not that XXXX  didn't know this. They were in the complaint I made with you and the Auto lender so why have they gone back and changed my credit score again??? I am so sick of this! This makes no sense! I submitted this complaint on XX/XX/2021 COMPLAINT ID XXXX You will see this matter was resolved and now the Credit Bureau is saying they don't have to deal with duplicate disputes and they went back and changed the information even though I had a letter in writing stating they should never have marked it late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit reporting 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 believe I have been getting false reports starting with a mortgage from XXXX XXXX that is not mine. Also, it seems to be someone trying to apply for loans or credit card under my information without my permission. I do not know who is doing this that is why I am reporting this dispute. 
The following accounts is 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 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 2023-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
After reading the XXXX XXXX XXXXXXXX article on XX/XX/2023 with the title TransUnion 's Botched Credit Report Freezes, I felt compelled to write to you. I have had to freeze and unfreeze my credit report a number of times in the past several years due to the purchase of two cars and other items. 
I had NO/ZERO problems with XXXX and XXXX. I did it on-line quickly and efficiently. 
TransUnion was a debacle. The on-line website DID NOT WORK. I would then have to go through lengthy phone calls with LONG call waiting to speak to someone at TransUnion, each time the person assuring me that the problem was fixed for future attempts ( they would do the freeze or unfreeze in real time during the phone call that I made ). I even spoke to supervisors with assurances all would be well. It was NOT well.When I read the XXXX, I felt validated that TransUnion was XXXX it up for everyone.They need new leadership immediately. 
Do you have any suggestions? 
Sincerely, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX 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 2022-05-04
Company: Experian Information Solutions Inc.
State: PA
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:
Hello, I have been trying to contact all three credit bureaus to get the Security and fraud alerts removed. I have had no success with getting anyone on the phone and their automated system has not been working out well for me. Please remove those alerts asap so that I can move into my apartment. Thank you.

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 2023-09-15
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XX/XX/23 signed up for TJX Rewards Platinum Mastercard ( last XXXX XXXX ), but did NOT use at checkout ( XXXX, North Carolina location ). 
Did not receive the credit card. Instead, received at letter from Synchrony Bank dated XX/XX/23 indicating there was a charge to the account, but they believe it XXXX not be me. " With our {$0.00} Fraud Liability benefit, you're never responsible for unauthorized charges. '' I called the number listed on the letter ( XXXX ) on XX/XX/. Spoke to XXXX in their Specialty Department. Account was " compromised ''. They would handle it on their end, close the account, and not to worry about it. Will receive a confirmation in 7-10 business days ( did not receive ). 
XX/XX/23, XXXX, I called back and spoke with XXXX XXXX She confirmed the account was closed, but the charges were still there, including late & interest fees. I was transferred to XXXX, Acct Mgr in Fraud Dept. Investigator assigned to me. To clear all, receive confirmation in mail ( did not receive ). 
XX/XX/23, I had not heard or received anything from them. I filed a complaint with XXXX. 
Then they closed account, but left the balance with interest and late fees accruing. They are texting and calling me while I am at work. Not me, never used, they can't follow through with what they said they would do. They should listen to the recorded calls!

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 2023-10-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I had closed/cancelled my XXXX 's XXXX prior to Capital One taking over these accounts. I have moved from MD ( where there are a ton of XXXX ' ) to XXXX ( where there are XXXX XXXX 's - Hence the reason for cancelling membership ). Capital One issued this XXXX 's card without contacting me or giving me the chance to decline or opt for a different rewards card. It just showed up. I have since used the card and accrued some rewards {$47.00} to date. As stated I DO NOT have XXXX 's membership and am unable to redeem the rewards thru XXXX 's. I have contacted XXXX 's and was basically told- sucks for me - no membership - no way to redeem. I have contacted Capital One - explained I cancelled the XXXX 's membership prior to this card being issued without my knowledge. 
Again, I was basically told sucks for me- Capital One can't see or do anything about the rewards. Capital One XXXX XXXX 's should have done some due diligence and either contacted the customers for their preference or just let the accounts close and the customer can apply for card of their choice. None of this happened - this card was just issued and sent. Now neither company will issue rewards or honor the program. I don't want to continue accruing rewards that are unusable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: Experian Information Solutions Inc.
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:
Clarity services has two fraudulent accounts appearing on my clarity services report. There is a charged off XXXX acct and a charged off XXXX Account, charged off XXXX  acct. I filed bankruptcy XX/XX/2021 this was discharged XX/XX/2021. These accounts were also included because of the identity theft. Yet clarity services is attempting to show these as charge offs and trying to collect on the Accts. These accounts arent collectible as they were discharged. Its illegal to continue to falsely report these.

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 2021-09-21
Company: OLIPHANT FINANCIAL, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am not familiar with the debt this company is trying to collect, more importantly the debt they are attempting to collect has been " time barred '' and is well past the 4 years of time allowed to collect this debt in the State of California.

Additionally, they are in breach of the law due to the fact they did not print anywhere on the collection notice that the debt was time barred as required by law.

Letter Received : XX/XX/2021 Amount : {$7000.00} Letter states that I " Requested validation of this debt '' ..which I never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-09-08
Company: EQUIFAX, INC.
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
This is absurd because I have consistently made timely payments on this account and have never been overdue. Please adjust my account to reflect this accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-29
Company: Flagstar Bank, N.A.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Flagstar is non-responsive, lacks professionalism and their processes are anybody 's guess, when it comes to insurance claims for home losses. We expedited the insurance check ( home reconstruction after a fire ) for them to countersign. Then had to make several calls during which they'd confirm everything was ready and the first 30 % draw would reach us the following week. Flagstar delayed that turnaround by several weeks, crafting stories for the delay each time, such as check was on its way when their portal showed it hadn't even been processed! Meanwhile our contractor was working " out of pocket ''. 
The second draw is even messier. We sent a request to Flagstar for an inspection of the work done and they dispatched one on XX/XX/21. We called a few days later for a status update and were told the inspection indicated at least 75 % of the work was completed ; and that we would have the funds on XX/XX/21, latest, since we had provided XXXX mailing labels in advance. 
When the funds didn't arrive on Friday, we called the following Monday. Flagstar claimed their inspector had made errors and they'd schedule another inspection before releasing any funds. We challenged that position and asked to speak to a supervisor, whom we were told would contact us within 48 hours. We called again Wednesday afternoon when we didn't hear from them, only to be given the run-around by Flagstar for about 2 hours with various excuses why funds aren't being released. Excuses included their inspector having made errors, our insurance company having failed to provide them documentation ( which turned out to be false ) ; needless to say that their inspection department was added to the call at some point and they confirmed the inspection was appropriate! 
Flagstar has a systemic problem of delays every time funds need to be released to the client. In turn, we have to endure longer delays in getting our home repaired. If this isn't a game to facilitate them to draw interest from the insurance check, then what is it?

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 2023-09-25
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:
This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$4600.00} 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 2023-12-05
Company: General Motors Financial Company, Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: High-pressure sales tactics

Complaint:
I recently sent GM Financial a Notice of Violation of 1006.6 Communications in connection with debt collection. They insistently send me emails at the most inconvenient times ; I am a very busy, hard-working woman and need not be disturbed with payment reminders between the hours of XXXX. GM Financial have sent 5 emails concerning payment reminders and payment status after XXXX and before XXXX. 

I sent them this Notice, attachments of the 5 emails sent from GM accounts receivable department, and attachment of my invoice for each email I am requesting {$1000.00} per violation a total of {$5000.00} plus 7 % tax rate totaling {$5300.00}. 

Please look into this matter since my consumer rights have been directly violated and I feel harassed with these payment reminders.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: Experian Information Solutions Inc.
State: MO
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: Problem with personal statement of dispute

Complaint:
XXXX XXXX XXXX XXXX Experian in connection with its debt collection and furnishing activities continues to violated sections 1031 ( a ) and 1036 ( a ) ( 1 ) of the Consumer Financial Protection Act of 2010 ( CFPA ), 12 U.S.C . 5531 ( a ), 5536 ( a ) ( 1 ) ; sections 623 ( a ) ( 8 ) ( E ) - ( F ) and 623 ( b ) ( 1 ) of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. i68is-2 ( a ) ( 8 ) ( E ) - ( F ), ( b ) ; sections 1022.42 and 1022.43 of Regulation V, 12 C.F.R. 1022.42-1022.43 ; and sections 807 and 814 of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 16920,1692/.Collecting any Time-Barred Debt through any means, including but not limited to telephone calls and written communications, without .They continue to list the Loans as accurate, documentation from the creditor or agent was not provided to support creditor was not discharged in the chapter 13, as these are private student loans not federal and not subject to 11 U.S.C. Section 523 ( a ) ( 8 ) ( A ) ( ii ) ) on IRS publication,901. 

For those Time-Barred Debts that can not generally be included in a consumer report under the provisions of the FCRA, 15 U.S.C. i68ic ( a ). Clearly and conspicuously disclosing to the Consumer : " The law limits how long you can be sued on a debt and how long a debt can appear on your credit report.

They are not federal loans, A private student loan is not a scholarship or stipend, and the overwhelming body of judicial authority finds that it is not an educational benefit either That a private loan is an educational benefit is inconsistent with the full text of 11 U.S.C. 523 ( 8 ) the other two exceptions would be unnecessary if education benefit included loans. 
U.S. Court of Appeals for the 2nd Circuit from the U.S. Bankruptcy Court for the XXXX XXXX of New York. In the original case, U.S. Bankruptcy XXXX XXXX XXXX XXXX concluded that private student loans were not part of the Bankruptcy Code Section 523 ( a ) ( 8 ) ( A ) ( ii ), which states that any obligation to repay funds received as an educational benefit, scholarship or stipend is typically not eligible for discharge.

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: OneMain Finance Corporation
State: CA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Title loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
OK I applied for {$3000.00} loan and the bank said on their website that I was preapproved and for the {$3000.00} cash loan and then they ran a hard inquiry. I looked through all the information that they offered and it was just the cash and if I got approved, it would just be the cash when they made the offer they made only one offer that they would take over my car payment which I owed {$9000.00} on {$300.00} a month at XXXX XXXX interest and then, it would go from owing {$9000.00} to owing {$15000.00} and paying {$500.00} at XXXX XXXX interest which is Id never asked for my car to be touched and it doesnt say anything on the {$3000.00} loan that they could touch it, so they are trying to strong army and pretty much since I am about The inquiry on my credit score if I dont take this alone Im not gon na get the house that Im supposed to get in XXXX and its not that they know that and they dont theyre not I dont have no debt I make {$4000.00} a month and Im trying to help my credit score instead of that and said that theyre turning my car against me for no reason I never asked for my car to get put up

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: Bridgecrest Acceptance Corporation
State: KY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
Company is the definition of predatory lending. I was made aware that my loan was accruing about XXXX dollars in interest a day, meaning only about XXXX dollars of my payment was going towards my principal. If my calculations are correct this would be well over the allowed 16 % in New York 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