BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-31
Company: CAVALRY INVESTMENTS, LLC
State: MI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint:
This debtors is trying to collect on a debt that was included in a bankruptcy filed XXXX years ago for a ticket issue for a house waste removable amount that I no longer own. The debtors got an illegal judgement that I never received any communication regarding a threat of wage garnishment. The debtors got my bank account information illegal without my consent and took money out of XXXX of my bank using false wage garnishment paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16
Company: RoundPoint Mortgage Servicing LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I got sick with XXXX XXXX and things started going down hill for me. I depleted my savings and other ailments also set in. I cant see well and I can not drive and I lost my job after the loss of my sight. I filed for Social Security benefits and that's my only source of income right now of {$1200.00}. I applied for loan modification and was turned down. I applied again and it was the same process. I fell ill again and was in the hospital for about 3 months. Now I can barely walk. Long story short I want to be able to stay in my home and had a friend assist me in filing for the modification again and sent Round Point Mortgage Servicing who is servicing my loan all modification documentation required. They responded that they have all the required documents and my loan was under review. Periodically we'll check to see the status of the loan and it will state still under review. Whilst my loan modification was under review my home was sent for foreclosure, I asked if they can take it out of foreclosure while my loan modification was reviewed and completed. I was told that was not a guarantee the foreclosure can not be stopped it depended on the loss mitigation dept. My loan was scheduled for foreclosure on the XX/XX/2018, I filed for Chapter XXXX bankruptcy on XX/XX/2018 to buy some time for my loan to be modified. I'm attaching the current modification application and status lookup and the bankruptcy order. I am old, ( 65 years ) and very sick, I just want to be able to stay in my home. There's plenty of equity in my home but I can't do a reverse mortgage either, I am short to payoff the loan balance. Please help me, I only want to stay in my home. I am on limited income and it will cost me a lot to get an apartment and pay my hospital bills and prescription. I can afford to pay {$450.00} a month from my SS income. I really need help. I checked the status today and it shows its no longer in active modification, they will not talk to me or my friend because of the bankruptcy I filed by myself, I don't have the funds to pay for an attorney. I just needed some time so Round Point can act on my loan for me. As of now I don't know what is going on or is going to happen. I want to pay, like I did before all these illness started, just don't have enough to cover a full payment. Thank you for your assistance. I pray you can help me. 
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 2023-12-01
Company: EQUIFAX, INC.
State: CA
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:
The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
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

Company response to consumer: In progress
Consumer complaint received 2018-10-03
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
XXXX XXXX - related to 3 of my accounts with them, XXXX XXXX, XXXX, walmart On XX/XX/2018 I had a hard inquiry done on my Credit score and everything came back fine. Nothing All but one credit card I had was paid to XXXX on XX/XX/XXXX. 
Suddenly in the mail I got a letter dated XX/XX/XXXX from XXXX XXXX stating my XXXX card - they ( OUT OF THE BLUE ) did a recent inquiry on my credit and they found. 1 ) Serious Delinquency 2 ) A Number of accounts with Delinquency's.. So they were lowering my avail balance from {$700.00} down to {$100.00} ... I thought wait I just had an inquiry on my account done, how was this possible. 
But I get an alert stating my Credit has changed and I should check it. So I did When I look into it and find out Synchrony was the one who put put the delinquency on my Credit Score ( over a 38 day late balance of {$42.00} dollars ) Now mind you on XX/XX/XXXX my report was clean - nothing for PAST OR DELINQUENT in a couple of years. and all but 1 CC was paid to XXXX by the XXXX So on the XXXX. Synchrony put a 30 day past due on my score. 
So now I get this letter stating after a review - Serious Delinquencies, Number of Accounts with Serious Delinquencies, Lack of recent loan installment information. BLAH BLAH BLAH 2 pages. 
So now my Score tanks by a significant number. 
So I send them a scathing letter back - SO YOU CAN ONLY GUESS WHAT IS ABOUT TO HAPPEN NEXT ... ... ... .. 
I get couple of notices saying my credit is improving again - I think Great .... yeak ok. 
Synchrony in turn does not tell me but they close another ( XXXX ) account ( which had a XXXX  balance for over a year mind you ) Then on XX/XX/XXXX they send me a letter stating they closed a third account ( walmart ) on me stating same exact wording as XXXX letter. ( Walmart also has had a XXXX Balance for over a year ) After all of this is said and done end of XXXX I get noted that my XXXX account is now " improved '' on my credit score ... .. Here I am now with 2 accounts closed, another one with dropped avail amount. 
So you want to know the domino effect of these smucks has had on my credit with their added on XXXX. By them having to close my accounts due to a XXXX lines about number accounts Delinquent, Serious Delinquency. I had 1 delinquency and it was put there by them. So today I get a note saying my credit is changed again - I look to see that Because Synchrony dropped one credit line and closed my 2 other accounts - my available amount of credit has dropped so that also effects my score which again dropped .... Synchrony is a bunch of clowns, who played with me and jacked my credit rating into the tank.

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 2023-08-15
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Comenity Bank is not issuing the correct points associated with the advertised rewards points. They have denied any wrong doing to the CFPB and previously denied any wrongdoing despite me submitting an email from one of their agents that acknowledges that they are aware of the system issue and that rewards points are not being issued correctly. No communications about this were ever sent to the consumers and they have been trying to hide it and not give consumers the proper compensation for them breaking the credit card agreement by not giving the advertised points for purchases made. 5x points for Sony, 3x for internet, 2x for food 1x for gas etc. I have attached an email that states that they are aware that the correct points are not being issued. I submitted this previously and it was ignored and the case close $ without resolution. I sent this to the CFPB so you could act on the illegal actions, failure to act when notified and failure to communicate to consumers. Plain and simple I did not get the points I am entitled to and this is a broken agreement on their end. Why was the previous complaint closed without anything being done when the email I submitted stated and supported exactly what I complained about.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-31
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:
Dear Equifax, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXXXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-09
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
Experian is one XXXX  of a company! I have been receiving these emails from them for over a year. The emails are alerts stating that my credit score has either increased or decreased, among other things. Within these emails ( that I NEVER requested ) is no option to unsubscribe from from receiving said emails. 
Within the emails is a Membership ID # that apparently means absolutely NOTHING. I've tried going to the Experian website and logging in, but since I NEVER made an account with them, there is no way for me to log in. I slect the " forgot password option, then I put in the email address to which they keep sending me marketing alerts regarding " my account ''. Upon submitting that email address, Experian tells me " We were unable to find any accounts that matched the username you provided. If you don't know your username, click on " Forgot Username '' below. '' So apparently Experian is sending me alerts about an account that I do NOT even have, NEVER signed up for, and can not unsubscribe from. 
And here is the icing on this XXXX cake ... I have called Experian via the phone number provided on their website. It is IMPOSSIBLE to get a human on the phone to resolve my issue. I am NOT giving them my social security number when I do not even want to have an account with them. So I am stuck in a circular argument, with no beginning and no end. To illustrate my point, I advise the CFPB reader of this complaint to try calling the Experian Support Phone Number ( XXXX ) XXXX ..I promise, you will not get a human on the line and instead will have the call disconnected without accomplishing ANYTHING, 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 2023-08-15
Company: EQUIFAX, INC.
State: OH
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:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I submitted the dispute number : XXXX on XX/XX/2018. I called last month to get the update and surprisingly they did not do anything about it. According to Fair Credit Reporting Act 615. Requirements on users of consumer reports [ 15 U.S.C. 1681m ] and 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] The report agency Transunion has to investigate in 30 days. Today XX/XX/2018 has been 83 days and there is not investigation and continue affecting my credit score which went down by 110 points

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 2016-04-22
Company: Weinstein, Karp & Associates, Inc.
State: AZ
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
ON XXXX/XXXX/16 ; XXXX/XXXX/16 ; XXXX/XXXX/16 I spoke to a representative at Weinstein, Karp & Associates, INC on those XXXX conversations the representative never verified me properly, she did not disclose that the call was being monitored and recorded, she did not state mini Miranda and she did not disclose her company name. She also continuously called me back to back on several occasions. She never got permission to call my cell phone and kept calling about XXXX times per hour.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
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:
Dear Equifax,, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I am filing a complaint and rude nature of the employees within America First Credit Union. Having spoken to multiple associates about a vehicle payment that this organization has refused to accept. Upon attempting to contact this organization to discuss this I have encountered rude and unprofessional people that refuse to provide information to the department heads and managers of this organization. 

On XX/XX/15 at around XXXX am I contacted America First to discuss a block placed on my account from making payments to my loan. I spoke to an individual by the name of XXXX who refused to provide information of corporate leadership at America First Credit Union. This individual lied and provided misinformation on multiple occasions during this call as well as refused to provide a supervisor and threatened to hang up on me. An unfortunate and disgusting display of professionalism by numerous employees in this organization. XXXX that obviously rewards mistreatment and unprofessional handling of its customers. Also Speaking to XXXX who instead of providing options chose to use the moment to again threaten and cause undue stress and anxiety. These employees are using their titles and positions to act as thugs and bullies of this organization. A threat to the mental well being of anyone that has to deal with their thug approach I have attempted to resolve the matter within this organization and instead have been met with threats and frustration. Instead of allowing me to work towards paying this bill the company has done multiple things to stand in the way or block me from being able to pay this bill. An absolute counterproductive resolution option

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-26
Company: GOLDMAN SACHS BANK USA
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:
A few years ago someone filed federal taxes in my name which now requires me to use an IRS issued identification number to file my taxes. Now, someone has taken out an ample amount of credit in my name, which is beyond frustrating. I noticed this issue when I pulled my credit reports XX/XX/2023. I pulled my credit because Im looking to refinance on my home. I figured to check before applying for a new mortgage loan. I have filed a dispute with XXXX XXXX and XXXX. All of the information ( credit reports, identify Theft Victims Complaint Affidavit, my state identification, and a list of items that are fraudulent ), is attached to this report. These accounts were opened fraudulently by utilizing my personal data. Im highly upset with the level of inaccurate thats being displayed on my good credit. All I do is work and take care of my home, so there was never a need to add any of these credit accounts listed. I wish to have this matter resolved and removed immediately. Ive filed a criminal case with the police department regarding this matter. Documents are attached to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: EQUIFAX, INC.
State: FL
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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-26
Company: VW Credit
State: UT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I paid off the vehicle on XXXX I called on XXXX inquiring about my Title, was told that it will take 10 days to process. Per Volkswagen Credit FAQs it's ten days but that time has passed. I called and spoke to 3 separate specialist giving different answer each time. I spoke to specialist on XX/XX/XXXX was told that i would get the lien release in 3-5 business days after VW was already late. I called on XX/XX/XXXX asking for tracking number for my title and was told by another person that it will 5-10 days instead of the prior 3-5 days. They switch title vendors in XX/XX/XXXX and this is still a problem which is unacceptable. Every day of delay i can not sell my car which affects the price, along with registration and insurance payments for a vehicle I can not legally drive.

Company response to consumer: Closed with explanation