BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-24
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 have made several attempts to reach out to Experian about my disputes and they keep stating they check with the vendor and they assured them it was mine. I have also reached out to the debt collections agency directly requesting validation docs and they can't provide me with anything verifying the account belongs to me. Makes me wonder how does Experian actually do there validations. I have also sent a direct letter from a debt collection stating they would remove it from my account because it actually shouldn't have been there and i sent the letter to Experian stating this and they choose to keep reporting the derogatory information eve thought its 's not mine. This is really hurting me with my purchase of a home and its really disturbing knowing you put your trust in the credit bureau and hope they are reporting correctly. Furthermore when I take the extra step to see if the collection agency can provide me with validation of the account and they can't then why are they able to put negative inaccurate information on my report? I have reached out to XXXX XXXX XXXX and all they offered me was payment plans why would i want a payment plan on a debt you can't validate. Procollect the same thing instead of validating the debt they just asked me to pay and I ask them for information bearing my signature and when did we do business and they hung up on me. XXXX XXXX XXXX states to be a representative for XXXX and I'm currently a customer of progressive they said they would look into it and I never heard back or received anything in the mail. The final Collection company XXXX they put the invalid information on my report I called them for verification they said it was from XXXX  at an address I never live at and they also sent a letter that they would dispute the account. The same letter was sent to Experian and they refuse to remove the inaccurate information. All of these companies failed to send me validation so, but Experian claims the accounts are indeed mines. I requested method of validation from Experian based on me knowing these accounts are not mine and they have yet to respond my disputes return as item remains. I have really run out of options the collection agencies are not responsive, but seem to be responding to Experian I'm the consumer in the middle requesting the information yet receiving none.

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 2018-10-15
Company: Financial Credit Service, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I received a voicemail at XXXX on XX/XX/2018. The phone call was in reference to my husband debt. The voicemail never mentioned me, but the representative stated every address related to him and his parents address and birthdate. They threatened to serve him legal papers at his place of employment and that further actions are being taken. I took down the number they left on my voicemail and returned a call to let them know about the matter of someone leaving a voicemail with people personal information and the representative was very matter of fact. I then asked her why was i receiving calls in relation to my husband 's accounts and she then stated " because you're his wife. '' I then informed her that no one contacted me to get permission for him to even use me as an reference. The representative then stated they didn't have to because i was his wife. I'm assuming this debt was before we got married because he and i pay our bills together now. I then informed her i didn't appreciate the voicemail that was left with people personal information included. I asked the representative was this phone call being recorded and she stated yes. I wanted it to be recorded, but she never once informed me. I then told her i no longer wanted to be contacted and she stated that i had to be contacted and i couldn't be placed on the do not call list. I feel as though my privacy as well as my husband 's and his parents privacy has been violated in every way. I even asked the representative about the privacy law and that's when she started yelling at me stating that i was just defending my husband. I then ended the call because i didn't have to be talked to like i was an animal. I have saved the voicemail if needing to be reviewed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: BARCLAYS BANK DELAWARE
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: Their investigation did not fix an error on your report

Complaint:
I applied for a frontier barclays credit card and cancelled it a few days later. I never used or received a card. I was charged a $ 80+ annual fee which I disputed, because I had cancelled the card before I received it. I was told by multiple reps to disregard the bill as it would drop off. Then when I was applying for a mortgage it was on my credit history of being delinquent for 90+ days. Barclays sent me a letterhead stating it would take 30 days to resolve on XX/XX/XXXX. This is still showing up on my credit report on XX/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 explanation
Consumer complaint received 2021-12-12
Company: CITIBANK, N.A.
State: ME
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Citibank withheld money in my checking account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-08
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
After complaining about poor service to the CFPB, the credit card company has closed my account and deleted my online access. 

The phone rep said that " XXXX '' reviewed my account and closed it. XXXX never spoke with me about closing the account. 

I had tried to close the account earlier, but Citi refused to close it. After I complained to the CFPB, Citi received the complaint and retaliated by closing the account, deleting my online account access, and keeping a nearly {$7000.00} credit balance. 

I want them arrested.

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 2021-02-04
Company: SYNCHRONY FINANCIAL
State: TX
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:
On XX/XX/XXXX I was charged {$220.00} and {$180.00} by a company called XXXX transaction # XXXX and XXXX I called and was able to dispute the charges when I never received product. On XX/XX/XXXX I received a credit for the {$180.00} and XX/XX/XXXX a credit for the {$220.00}. Then on XX/XX/XXXX the {$220.00} was rebilled to my card. I received no explanation. I called and was told they would reopen dispute so I paid my balance in full except for that amount. The next statement I received still showed that amount in the balance plus {$10.00} charged on XX/XX/XXXX interest because I did not pay the disputed amount. When I received this statement I called them again on XX/XX/XXXX after speaking with XXXX he transferred me to XXXX to XXXX to XXXX who got XXXX on the phone. XXXX was a customer service supervisor. Was told no way to speak with disputes dept. even they could only contact that dept by message. XXXX agreed to reopen dispute and credit the {$10.00} interest. He said pay {$370.00} to pay in full. After 2 hours and 12 min. I thought it was done. NOT. Received my statement today and {$14.00} interest was charged on XX/XX/XXXX. I called again today and after 45 minutes I was told by XXXX there was nothing she could do. I never received anything form this vendor and will not pay. This product is sold with a 100 % money back guarantee I could return empty bottles for a full refund if I had received it. Please help me resolve this issue.

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 2021-04-08
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
Hello I was reviewing my credit report and noticed a few late payments. my account is in good standing and I will like to ask for forgiveness for the late payments. having late payments on the account is stopping me from obtaining credit. can you please help me out please .the account # is XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I had a new car loan through XXXX ( Nissan Motor Acceptance Corporation ) XXXX. The loan start date was in XX/XX/XXXX and the loan was set up on autopay with my bank. I was never late for one payment and never received notification other than to state when the autopay amounts were paid. On XX/XX/XXXX, I got an alert from one of the credit monitoring companies that I subscribe to that my credit score changed from a score of XXXX to XXXX because of a late payment reported by XXXX XXXX. I called XXXX XXXX the next morning and they informed me that they will not auto debit the last payment left on a car loan and that I had to manually pay the last payment. I was never informed of this requirement before the day I spoke with NMAC and did not receive any notice that this last payment was late. I had an over 5 year history of making on time payments and a credit score of XXXX prior to this issue. If I had been made aware that the last payment had to be made manually, I would have made the last payment, on time, like the over 60 monthly payments before. XXXX XXXX sent a letter to the credit reporting agencies that I paid off this loan but the letter did not state that the over 30 day payment report was an error on XXXX XXXX 's part but only stated that the account was paid off. My credit score is still low ( XXXX ) because of XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
my name is XXXX XXXX XXXX. i lost my job during the covid-19 so around XXXX I couldn't make my credit card payment due to hardship of my finance situation at that moment so they ending up reporting on my credit report on XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX so really bring my credit score down more than 200 points. i decided to talk to a representive of Bank of America and I explain my situation to agent and he removes all the late payment fees so i could pay it and we had a agreement so if I pay the amounts I own them, all my late payments is gon na be removed from my credit report which I did paid XXXX XXXX and it still on my credit report those XXXX XXXX i paid which was really come from a lot sacrifice I did to get all my lates payments removes it and they didn't respect our agreement. I'm trying to get a new delivery car to be able to pay my bills but I can't because of the lack of respect of our agreement. Please I need the consumer finance support to get those late payments remove from my credit asap so I can start working and provide for my family ( XX/XX/XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX, XX/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 explanation
Consumer complaint received 2021-04-08
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
there are two dismissed bakruptcies on my credit reports with XXXX  equifax and XXXX  that are not supposed to be on there and none of the companies will remove them also there are a bunch of fraudulent inquiries on my reports that i did not apply for

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: Financial Assistance Inc
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have written to FINAN ASSIS several times pointing out that their reporting of this alleged debt on my credit report is inaccurate. FINAN ASSIS continues to report this inaccurate and unverifiable information. XXXX attached excerpt from my most recent credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
A computer glitch that was TransUnion 's problem - not mine - caused my inquiries to be deleted. TransUnion later added them all back onto your credit report without giving me the legally required written notice 5 days prior to them re-adding them. I contacted TransUnion in good faith to ask them to delete the inquiries that they had illegally re-added. I spoke with a nice lady names XXXX about this over the phone in length and spoke about each inquiry in detail and she said it would be taken care of for me. These inquiries add a hardship and lower my score making it look like I 'm out trying to get a ton of credit when I 'm not and my rights were violated by TransUnion. Please help me make TransUnion stop victimizing me. As a resolution I would like that all of my TransUnion inquiries be deleted permanently from my report as a violation took place when they were illegally re-added to my account without my knowledge or notification.

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 2018-04-16
Company: WELLS FARGO & COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
May credit card was closed on XX/XX/2017 by Wells Fargo. When I called to ask way my account was closed. I was told that i did not have a banking account with them. Which was not true I had three account 's with them. I had an joint account with my husband which was closed, because someone was writing fraudulent checks in his name. In which they were fully aware of and they still closed my account. I asked if i can open new savings account i was told no. This was not my fault I was never late all ways paid in full.

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 2021-04-08
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:
Hello, I am very stressed out because I figured out misleading information in my credit report. I do not understand the origins of this information and these accounts are nor recognized by me. I am victim of identity theft and I would like you to start the investigation process and to find out what happened exactly and why I have them. Thank you so much for your help and support. Also I kindly ask you to delete them from my profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: VELO LAW OFFICE
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
We moved from XXXX XXXX XX/XX/XXXX. We notified them in XXXX that we would be moving at the end of our lease due to rent increase. We returned keys in the drop box. In XXXX of XXXX, my brother was called by the company who bought a debt. They made no attempt to contact my husband or I about this debt. XXXX was the first time that we heard of it. When I called them with the number my brother left, they said we owed money to XXXX XXXX for unpaid rent for XXXX, and some damages. She said that blinds were broken ( we had replaced them only a couple months before, due to a notice when we lived there ). That the sink in the kitchen had a leak underneath it ( we had multiple maintenance people employed by them in and out to fix that ) and some other things. I asked why we hadnt received a list in the mail within 30 days of charges, which is Michigan law, so we could dispute them and she said they had no forwarding address. I also asked why we werent called but my family was and she stated no phone numbers. She then emailed me a document from them with our forwarding address on it and our phone numbers listed. Since then they are working with lawyers who will not send us documentation of damages without a written letter, they will not work with us on our disputing of the items that are incorrect ( we dont know what we are being charged of because still no written notice from them ). They told us take them to court and get a lawyer. Also the court papers we received showed they started the filing XX/XX/XXXX the date we moved in.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: Navient Solutions, LLC.
State: MA
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 was shocked when I reviewed my credit report and found late payment on the dates below : NAVIENT XX/XX/2019 2019

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: OneMain Finance Corporation
State: PA
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:
XX/XX/2020 Inquiry on report Title 15 1681b Did Not have my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15
Company: Medical Society Business Services, Inc.
State: AZ
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:
My name is XXXX XXXX, this morning i awoke to two collects on my credit report that do not belong to me from a company called XXXX XXXX XXXX XXXX XXXX for XXXX and the other for XXXX. I attempted to call the company who left me on a hold of 11 minutes and also tried disputing both of these on my credit karma but only allows one at a time. I was arizona department of corrections inmate number XXXX and before that was in XXXX  here in arizona awaiting to go to XXXX, this is public knowledge. Now I have a great job was on my way to a great credit score and this happens. Both of these show up today on XXXX XXXX stating that they have been reporting since 5 years ago which I find impossible, just like the XXXX XXXX account that was closed due to fraud as well while i was gone. Please assist me in this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28
Company: Experian Information Solutions Inc.
State: CA
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:
XXXX XX/XX/XXXX was placed on a two month Covid-19 assistance program in which the minimum payment due was reset to {$0.00} for XX/XX/2020 and XX/XX/2020 The account was also known as card member services was paid in full on XXXX XX/XX/2020 given the minute balance due This was reported as 90-120 days past due then 90 now 60 but remarks state 90-120 It was never late this account is 8 years old with zero late pays. Proof of call logs showing when it was set during XX/XX/2020 and payment have been submitted via mail, email and certified mail inclusive of social license and deed with zero correction

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