BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-13
Company: EQUIFAX, INC.
State: GA
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 XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance : - XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2019, American Express pulled my credit without my permission. American Express did not have a permissible purpose to access my XXXX  credit report. 

American Express claims to not have pulled my credit report any time in XX/XX/2019. I have attached a copy of my XXXX  credit report reflecting the hard inquiry from American Express on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: EQUIFAX, INC.
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 found XXXX discrepancies on my XXXX report through XXXX XXXX on XX/XX/2021. I went to the XXXX site to verify because I never received a written notice from XXXX concerning these collection accounts. Once I logged in the XXXX website, it informed me that I had to pay a fee to view my report. I understand that I am entitles to, at least, XXXX free report per year. XXXX did not provide any options for a free report. These XXXX collection accounts have decreased my credit score and has jeopardized my opportunities in getting other credit options. I have disputed both collections : XXXX XXXX XXXX XXXX XXXX My first dispute was in XX/XX/2021 and I have disputed every XXXX months after that initial date. 

The creditor disappears and then re-appears on XXXX XXXX. Unfortunately XXXX XXXX is the only why I can monitor these account because I am unable to dispute or review on the XXXX site itself. 

I am unable to apply for a home and my purchase of a vehicles ARP is 24 % due to these inaccuracies on my account with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17
Company: Early Warning Services, LLC
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 contacted Early Warning LLC for a copy of my consumer report. I contacted them directly through their consumer portal. I filled out the required paperwork and submitted a copy of my ID. I have received no response from them. I have a right to a copy of my consumer report they have on file. If they can provide a copy to a bank instantly when an account is opened they can provide a copy to me in a reasonable time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hello, my name is XXXX. I am a victim of Identity theft. I hear about robberies and muggings often, I'd never thought that I'd be the one going through it, unfortunately I was robbed at knifepoint while picking my dog up from doggycare and my wallet, purse, phone, and dog was all stolen. In my wallet was my ID and social security card among many of other valuables. I did not get to see my attackers face as they approached me from behind while I was kneeling to clean up my dogs mess after she relieved herself. I noticed this problem XXXX, XXXX  I am writing to delete the following information in my file. The items I need deleted are listed in the report, i am a victim and i did not make these charges I ask that these items are deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

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 2018-12-26
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Sometime in XX/XX/XXXX I began a Loan relationship with this Finance company called : One Main Finance Co. in XXXX, NC, and I did have a couple of successful small loans with them, and I paid them off in full, but at some point in XX/XX/XXXX I had decided to make a large amount purchase and therefore I needed at least {$5000.00} so I decided to go along with a secured loan project with One Main, which involved signing over my vehicle owners title, for my XXXX XXXX, XXXX as the security for the loan. I did receive the loan and committed to making my scheduled monthly all on time from that point up and through the better part of this year, XX/XX/XXXX, until I had a pretty bad automobile accident that totaled the XXXX, and the Insurance company for the responsible party paid for total value of the car directly to One Main, since they had a lien on the car anyway, which paid off most of the remaining balance owed from the title loan, but One Main refinanced my loan for which turned into a unsecure loan at that point. They continued to hold a lien on the car, as of today, but they had refuse to tow the disabled vehicle away from my parents property where it was sitting following the accident. Around this same time frame of the accident I also was in the middle of a bankruptcy proceeding which finally was concluded, in my favor, that also relieved me of any further payments owed to One Main. But afterwards, I was advised, following the overall exposure about my involvement with One Main and a title loan, in NC. The statement was made to me from a couple of un-official sources, that title loans were outlawed and illegal in the state of North Carolina!? And when I posed the burning question to One Main, and the ( XXXX  ) XXXX XXXX XXXX of Indiana ( the source I had to file my complaint to because One Main is Head Quartered in Indiana ), I get no answer from One Main, or the XXXX, just the runaround it seems. And One Main with all their deceptive information and out right lies, misinformation, rude and unprofessional phone conversations and false documents, upon lies leaves me wondering still, is it illegal for One Main to   practice, perform title loans in the state of North Carolina??? ( now this question is for XXXX?? ). If so, then I feel like with all I went through, and the entire financing episode with One Main, the high interest, etc .... they owe me some type of refund of my money, if not all of it!!?? Please advise!! 

Thank You, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: Nelnet, Inc.
State: WI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In XXXX of XXXX, I believed I was in a forbearance/deferment of my student loan with a total of {$5600.00} through Firstmark Services as requested, as I had newly started a XXXX  program. Unfortunately, in XXXX of XXXX, in checking my credit report, I realized I had multiple payments that were late ( dating XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX, XX/XX/XXXX ) and that I was in fact not in forbearance as I requested in XXXX of XXXX. This resulted in late fees. In XX/XX/XXXX, I received a phone call that I had missed payments and needed to make my account current. I made a payment on XX/XX/XXXX for {$400.00} and noted to the representative that I believed I was in a forbearance due to my enrollment status in my XXXX  program, but didnt want a negative impact on my credit so I would make a payment, but I asked to speak to someone about why my forbearance was not in effect. I was told that someone would contact me, but did not hear back in any forms of communication. In XXXX of XXXX, I double-checked on my account, and realized I was again not in forbearance as I had requested. I made a payment on XX/XX/XXXX as to not receive negative remarks on my credit report. Again, I made a call to Firstmark Services ( date unknown ) to check in to see why my account status was not in deferment/forbearance. I was told it would be taken care of, as they saw my request in XXXX of XXXX and were confused themselves, given my enrollment status in my XXXX program. 

I did not receive a call back from Firstmark, and went on to believe that my payments were deferred, given my last conversation with the representative in XXXX. 

After checking my credit report in XXXX, I saw the derogatory remarks. Immediately, I contacted Firstmark services and inquired on this. To not impact my credit any further, I made a payment on XX/XX/XXXX for the total of {$320.00} to make my account current. The conversation at that point is detailed below : Firstmark claims to have contacted me via phone and mail regarding late payments in XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, but I did not receive any of the communication ( phone, email or mail ) that they claimed to make. In XXXX, I requested to reverse the missed late payments and remove derogatory marks from my credit reports in all of XXXX, as I was told misleading information about the status of my account. Repeatedly, my request was denied. I continued connecting with Firstmark three different times with requests to remove the derogatory marks, and they persisted that I was to blame, that they had done their part to contact me. 

I have since paid the loan in full so I no longer have to deal with Firstmark Services. The full payoff was made on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX of this year my brother received a call from XXXX XXXX, XXXX and told him I needed to contact them on a past credit card I owed on. I contacted the company and I was told I had an old credit card balance in the amount of close to {$2000.00} but the creditor would settle for around {$1000.00}. I asked for verification and asked who the company was. They told me they couldn't give out this information but they were getting ready to sue me. I told them it wasn't on my credit report and they explained they didn't have it on there which I thought was strange. I have paid this company {$60.00} a month since XX/XX/2019. I did find out from a representative it was from a bank called HSBC Bank and I have never had a credit card from them. I called asking for my money back but they will not work with me. I do not owe them anything. It is a scan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: SYNCHRONY FINANCIAL
State: TN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Care Credit opened XX/XX/2022, sole purpose to use for medical needs as they arise. Used XX/XX/2022 but paid balance off in XX/XX/XXXX, carried XXXX balance with a limit to use for future needs. Care credit closed acct at the " recommendation '' of the credit bureau bc it had a high risk negative effect on my credit! A good standing account with XXXX balance owed. Advised me to reapply for a NEW card/account and of course I was now denied. My credit score was directly impacted by CLOSING of account by Care Credit/synchrony bank

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 2023-10-03
Company: EQUIFAX, INC.
State: IL
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 not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-08
Company: CURO Intermediate Holdings
State: WI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Sim card was stolen from phone. Suspects applied for loans in my name through the months of XXXX to XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
There is collectively XXXX in my accounts capital one is closing my account and investigating a XXXX dollar check i deposited but they arent releasing my money when i called then they will not provide a dare as to when theybwill release ny money.i cabt pay my rent and am on the verge of eviction

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: Fidelity National Information Services, Inc. (FNIS)
State: NC
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 complaint is against ChexSystems. They are currently reporting derogatory banking information from XXXX XXXX that is more than XXXX XXXX XXXX. This is in direct violation of their own policy posted on their website that states " Our current practice is to retain record of reported information for a period of XXXX years from the report date unless the source of the information requests its removal or ChexSystems becomes obligated to remove it under applicable law or policy. '' I am requesting that they honor their policy and remove this negative information from my report, as it is negatively impacting my chances of getting approval as I was denied from opening an account with Truliant today XX/XX/23 and their reason for doing so is because of my inaccurate Chexsystems 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 2020-09-23
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
After purchasing a copy of my credit report, I was able to locate a series of negative accounts, that are preventing me from moving forward with my financing. With this in mind, I decided to contact the credit reporting agencies, to have them help investigate these events. 
I understand that, the credit reporting agencies, have been granted a " relax enforcement standard '' from the CFPB to allow them to either delay, or not respond to my dispute request. However, according to section 1681i of the FCRA, the credit reporting agency, are bind by law, to respond within the highlighted time frame to avoid a possible civil case against them. This is in compliance with section 616, and 617 of the FCRA. It has been more than 45 days since, I requested these items to be properly investigated. I have yet to received anything back from them.

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 2023-02-08
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Received offer from CITI Bank relate to a bonus for opening a new checking account with new funds. I opened and made deposit into new checking account on XX/XX/XXXX. The terms of the agreement stated : " within 90 days The Cash Bonus will be credited to the open eligible checking account ''. It has now been over 6+ months. I've called and spoken with numerous customer service representatives. Each time, was provided with conflicting information. After no updates, I went into a local branch on XX/XX/XXXX and voiced my concerns again. They took down my report, apologized, and said I can expect to have the Bonus deposited within a week. Still nothing to this day. So today, XXXX XXXX, XXXX, I called and after going through several of their customer support agents, I'm still left without any answers. I'm not being provided with any information as to the cause, or as to when I can expect them to meet the " terms & conditions '' they've set as part of the agreement. I have not been able to even reach a supervisor. It has been a very poor customer service experience.

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 2019-04-06
Company: CITIBANK, N.A.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I reached out to Citibank 's dispute department regarding unauthorized transactions that originated from a dormant XXXX account. XXXX conducted an investigation and confirmed unauthorized account access for XXXX transactions in another country. 

These unauthorized transactions ( about 10 separate transactions totaling over {$600.00} ) caused my Citi checking account to overdraft, thus causing an NSF fee per transaction. 

XXXX reversed the transactions, but due to the negative fraudulent Citi  balance, my credit was offset. 

I filed fraud with Citi, spoke to numerous supervisors and was assured that they would reverse all fees and fraudulent transactions, as they confirmed with XXXX the unauthorized activity. 

About a month went by and I hadn't heard any update, so I called around XX/XX/2018 to check the status. I was informed that my checking account had been closed due to negative balance. I escalated to a supervisor, who confirmed that the actions that were supposed to be taken on the account were not completed. 

This supervisor assured me that I would receive my refund via check within a few weeks, and assured me that she would fully notate the account. 

I honestly forgot about the refund until recently. I called customer service and apparently they have no notations of any of my calls, or any records of disputes being filed. 

They are saying that since my account is closed, there is nothing that they can do. 

I requested for my previous calls to be reviewed, as numerous supervisors confirmed that I would be reimbursed. 

I am highly disappointed by how this situation was handled. My account was erroneously closed because of a negative balance that was due to fraud. Also, supervisors offered assurance that the issue was rectified, but now apparently the hours I spent on the phone were in vain, as there is no trace of my contact. 

I am requesting my previous calls to be reviewed, and for my amount to be reimbursed, as this is a breach of verbal contract made by the supervisors on behalf of the institution. Please review.

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 2018-12-22
Company: EQUIFAX, INC.
State: AL
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:
Equifax after a security breach sent me a letter indicating that several files I had uploaded to them which included my social security number and all personal info were in the hands of unknown sources. Since then Equifax refuses to update my file, they refuse to remove items I have disputed. They refuse to add correct accounts that I have now or communicate with XXXX for my information. I have been denied jobs and insurance and credit because they refuse to comply and accurately update my information. Also, so many inquiries are on my report that I did not authorize

Company response to consumer: Closed with explanation