BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-01
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
I received a very threatening email from Ace Cash Express about a loan that I have no recollection of receiving. I can't supply dates or other information because I do not have them but they have my personal information. I am attaching said letter for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: Experian Information Solutions 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:
I recently filed a complaint with CFPB about my name being incorrect and false accounts on my credit report. My complaint was labeled resolved but I noticed a few issues still unresolved. The 3 bureaus asked me to mail out a copy of my id and lease agreement in a attempt to pertrey a resolution attempt. My issues is I have mailed the request 3 times. It's also a XXXX charge off on my account for a car that was never in my position it was in my ex-girlfriend 's name XXXX XXXX. XXXX placed this vehicle on my account after resaling it and without giving me a change to take over the vehicle. The XXXX was never in my possession or never was I given a chance to take ownership but it's reported on my credit as if I had it. The car was quickly resold without letting me know and as I stated before I never had ownership. After my first complaint XXXX still continue to have a incorrect name on 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 2021-03-03
Company: EQUIFAX, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
- I lived in the USA from XX/XX/XXXX to XX/XX/XXXX and moved to XXXX in XX/XX/XXXX - When in XXXX, I was able to put a credit freeze on my XXXX and XXXX utilizing their online services. When attempting to do the same with Equifax through MyEquifax I was unable to verify myself. I called on XX/XX/XXXX to get this rectified and was informed they were unable to identify me and would not send information to XXXX to correct but instead I needed to send Personal Identifiable information via mail ( e.g. SSN, Passport, License etc. ) to verify myself before I can have a MyEquifax account. As I monitored my credit on XXXX, at the time i did not do this. 

- On XX/XX/XXXX, I received through XXXX a alert that their was a Hard enquiry to Equifax for my U.S.A credit - On XX/XX/XXXX, I tried to call to dispute this and also activate my MyEquifax account to freeze my credit report, but was unable to get in contact with a Person, as their system tried to verify me and it would not accept me. The issue faced is Equifax only have details related to my U.S.A personal information ( e.g. Addresses, phone number etc. ), so when I confirmed my former U.S.A phone number it wanted to send a confirmation code to it. As I no longer have this phone, this was impossible. 
- On XX/XX/XXXX, I sent two faxes to Equifax ( to XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX, explaining my issue and included all the details they initially asked in my call on XX/XX/XXXX ( Passport , SSN, U.S.A Bank Statement, XXXX  Drivers license ). In my letter I explained that they will need to confirm my identity through all my old U.S.A history, and not any XXXX details. I included a copy of my Equifax report from XXXX, that clearly shows the addresses on file are from the U.S.A. I also noted they can only communicate to me with my XXXX contact information. 
- On XX/XX/XXXX, I received a response from Equifax ( dated XX/XX/XXXX ) that noted they were unable to help due to being unable to verify my identity and requested I provide the exact information I provided in my initial fax. The letter noted they required proof of my XXXX residence, when as clearly stated on my first letter, all information in my U.S.A credit report is from the U.S.A - On XX/XX/XXXX, I rewrote to Equifax and provided the same information again via registered mail to the address noted on their letter and clearly stated for the second time, that they will only be able to verify my U.S.A details, as none of the XXXX information will be on their system. 

As of todays date, XXXX XX/XX/XXXX, I am yet to receive any response. 

Note : The XXXX address provided in the correspondence has since changed due to a move within XXXX, but should not effect any information on the Equifax system

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid 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:
I am writing in regards to my account with SYNCB/PPC Account # XXXX, the reason for this request is the reporting of late pays reporting in XXXX XXXX XX/XX/2020. As I am sure you are aware that FEMA declared a national disaster occurred during that time which has impacted me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-14
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account 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  DEPT OF EDXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  BANKRUPTCY # 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-01
Company: R & B Corporation of Virginia
State: VA
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: Problem with personal statement of dispute

Complaint:
I was on a payment plan for a medical bill with XXXX. I was making my payments on time for over 8 months. My debit card attached to my payments was compromised. Someone stole my info and was charging online. My bank cancelled my debit card. The same day my card was cancelled my XXXX payment went through and declined due to the card being cancelled. I realized this 5 days later when I was still looking at what was attached to that debit card number. I then made the payment. I was notified by XXXX a week later I was sent to a collection agency. I called the collection agency they stated if the balance was not paid in 21 days it would be reported to my credit report. I went to the XXXX office and explained the problem they stated if I could prove my card was stolen they would take the account back. I got all the info and submitted it to XXXX. They then told me they could not take my account back from the collection agency. I was NEVER late on a payment, so therefore how can I be turned over to a agency and 21 days later it was reported on my credit report. On the credit report it said I was delinquent since XX/XX/21. This all happened in XX/XX/XXXX. I thought you have to be 180 days late even to be reported to a collection agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20
Company: EQUIFAX, INC.
State: OH
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:
The credit bureau is reporting inaccurate information to my credit report. I sent in a dispute letter to them on XX/XX/2021. They have fail to comply within the 30 day statute of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: LEXISNEXIS
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
LEXISNEXIS CONSUMER REQUEST FORM REQUEST, AFTER MY INSURANCE POLICY WAS CANCEL BECAUSE WRONG INFORMATION WAS REPORTED BUT I REQUEST THE RECORD CHALLENGE INCORRECT ENTRY IN MY REPORT BUT THEY SEND ME THIS LETTER INSTEAD : READS THAT THEY CANT FIND ANYTHING AT THIS TIME AND I NEED INSURANCE KNOW BECAUSE OF THEM I CAN'T OBATINED INSURANCE AT AFFORDABLE RATE. XXXX CANCEL MY POLICY XXXXCANCEL ME AS WELL BECAUSE SOMETHING ON MY CONSUMER LEXISNEXIS REPORT AND THEY AREUNABLE TO LET ME KNOW WHAT IS IT. 
THIS IS MY COMPLAINT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I paid off my credit on XXXX XXXX That I haven't use in 3months during the billing cycle. 
If I paid the card off which only had XXXX XXXX the on the cycle begin. 
So Capital One charge interest on a XXXX balance of {$6.00} This must be remove .. And I also close this Account because I don't this card

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: EQUIFAX, 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:
On XX/XX/ I had submitted a dispute to Equifax and upon Equifax investigation the results came back accurate on XX/XX/. How can the results be accurate? When my whole payment history is missing on my XXXXXXXX XXXX XXXX  account on my credit report especially when this account is a Charged off account. Equifax have not done a THOROUGH INVESTIGATION and Equifax have not contacted XXXX XXXX XXXX. about this account so that it can be deleted. This account is not completely accurate as stated in your previous investigation. Therefore according to the FCRA and 15 U.S.C 1681 this account needs to be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I updated my payment profile online to draft my minimum payment from my new bank account. Somehow the payment profile was updated from auto payment of minimum payment due to statement balance. American Express then attempted to charge my account {$21000.00} rather than my usual {$500.00} minimum payment amount. I immediately called them to get it resolved and was told that there was nothing that they could do and to call my bank. I called my bank and was told I could either pay {$30.00} to place a stop payment or allow the account to overdraft or reject the payment. About a week later American Express attempted to draft my account yet again! I immediately called them to see what was happening and this time was told that the system automatically attempts to draw a rejected payment 3 times and that there is nothing that they can do to stop it. I asked for management was placed on hold then told again that there is nothing that they can do to stop it, never getting transferred to a manager. My bank account is now in limbo while American Express keeps trying to charge me an unauthorized amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: EQUIFAX, 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:
This is a HARD INQUIRY REMOVAL request. There are 9 unauthorized inquiries that need to be removed from my equifax report. I have sent in multiple letters and complaints. 
Dates : XX/XX/20 XX/XX/20 XX/XX/20 XX/XX/20 XX/XX/20 XX/XX/20 XX/XX/20 XX/XX/20

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My Husband and I lived in these apartments back in 2013 and when we went to move out, My husband verbally told an office employee and he was told that she would put in the paperwork and begin move out process. We had 60 days. When we came to hand in some things to the office, the manager said she never received anything from the other worker that we were moving out. That was around 35 days we were supposed to move and we already had a house to move into. Well, She told us that it was ok that mistakes are made and she understood. Then we get a bill from a collection agency that we owe two months rent for breaking our lease. We absolutely did NOT break our lease. Not that this would matter, but this manager has done this to others we have know in that apartment complex. This is now a negative remark on our credit and a debt over XXXX that we do not owe. That company has always been very suspicious to us when we lived there. Everything that we requested while living there was always verbal, never had to fill things out. We should no AT ALL owe this. Very unfair and it needs to come off our credit. I have also disputed this with credit companies as well and nothing ever happens. I am aware that there was a blind broken and a hole that i believe they added to that bill, and i will be more that willing to pay for those.

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 2021-03-02
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XX/XX/2021 This is fraudulent, I have blocked a similar text a week ago and have also emailed the text to XXXX XXXX text from XXXX the text states : Your On-line has been *Disabld* Proceed Here : http : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
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:
Unauthorized inquiries were discovered on my most recent credit report. I never gave these companies permission to access my credit report : this is 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 2021-02-19
Company: CORELOGIC INC
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/21, I requested a credit freeze online. I provided the Core Logic a copy of my driver 's license as well as secondary information verifying my identity. I also informed them that if they failed to initiate freeze I would contact governing authorities who regulate them. 

Instead of doing the freeze as I requested, the company sent a letter by mail saying they could not do the freeze and that I need to fill out an application. I do not need to do anything, they have never asked me to verify anything before they created an account with my name, without my permission. 

I want full legal relief. I want my account frozen immediately. I am happy to verify my identity to the CFPB and then you instruct Core logic to follow the law and put a credit freeze on my account. I will not send Core Logic anything as I have already done so online. Not wasting my time with them. 

If possible please investigate Core Logic business practices as a whole and place a moratorium on this company 's operations

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 2018-04-04
Company: NATIONSTAR MORTGAGE LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX my mortgage was sold to Mr. Cooper mortgage advisers from XXXX XXXX XXXX. I was told there would be no changes to my loan. I paid my statements in XX/XX/XXXX. XX/XX/XXXX. and XX/XX/XXXX. Same amount as XXXX XXXX. In XX/XX/XXXX, I received a check for about {$1100.00} from Mr Cooper for overage of my escrow acct. I called and asked why, and they said they were unawhere that they were responsible for paying my property taxes. XXXX paid my taxes and Mr Cooper collected for them on the 1st 3 payments, so I called them. They said they would fix the problem. My next statement was {$250.00} less than usual, so I called again, at which point they said they would fix the problem. I sent the escrow money back to them and paid and extra {$250.00} on my payment. Then I received an escrow annalises showing a large shortage. Now they say they need to also collect for XXXX XXXX XXXX XXXX XXXX which I pay myself and always have. These have been paid for the year, by me already, so another phone call which fell on deft ears. They demand to pay them. I called again and asked for a supervisor who intern said she would fix everything and call me back. That was 3 weeks ago and no call. They want to raise my payment in XX/XX/XXXX from {$1100.00} to {$1300.00}. They refuse to listen to anyone and causing me a lot of stress

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: Experian Information Solutions Inc.
State: TN
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:
Im writing in regards to EXPERIAN, XXXX, and XXXX Ive tried several times by mailing dispute letters to them because my personal and financial information is incorrect and I want it all removed. Since Ive mailed dispute letters and there have been any changes. Ive seen none at all.

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 2018-04-26
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I filed compliant on XX/XX/2018 because I was told upon getting my mortgage that XXXX XXXX XXXX XXXX would be paid for through my escrow. The company responded that they apologized if there was a miscommunication but XXXX XXXX was not included in my escrow but Mr. Cooper would make a one time payment to resolve the issue of the foreclosure lawsuit by XXXX XXXX for lack of payment. I received notice via a letter from Nationstar/Mr. Cooper XX/XX/2018 that the issue was resolved and {$1900.00} was paid to XXXX XXXX. After that I received notice that the case was still set for trial on XX/XX/2018. I called Mr. Coopers respresentive XXXX XXXX on XX/XX/2018 and she informed me that Mr. Cooper would pay the balance that was left over because they had only made a partial payment on XX/XX/2018. She said she would forward the request to the appropriate department. I have called and left several messages for XXXX XXXX. As well as emailed the legal documents per another representatives request ( XXXX XXXX ). Mr. Cooper has not responded to my phone calls or emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
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 am interested in disputing all invalid information on my credit report with Equifax. all files are supposed to be 100 % accurate an its not. this is hindering my file & causing denials. please delete an remove data listed asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: EQUIFAX, INC.
State: WI
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:
It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: EQUIFAX, 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: Account status incorrect

Complaint:
My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports and this complaint to Equifax was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, Under FCRA, 30 days without responding to the requests I have sent should be considered as an immediate deletion. So please, I am sending this complaint to seek help and assistance to help me delete the concerned items for they were found erroneous and unauthorized. 

XXXXXXXX XXXX  XXXX Balance {$1900.00} XXXX XXXX XXXX Balance {$990.00} XXXX XXXX XXXX Balance - XXXX  XXXX XXXX XXXX XXXX - XXXX XXXX XXXX Balance - XXXX XXXX Balance - Bankruptcy : Discharged XXXX Reference Number XXXX Amount :

Company response to consumer: Closed with explanation