BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-24
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I AM A VICTIM OF IDENTITY THEFT. MY INFO WAS USED TO FRAUDULENTLY OBTAIN GOODS IN MY NAME. PLEASE BLOCK ALL FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. I HAVE CIRCLED ALL FRAUDULENT CHARGES ON MY CREDIT REPORT. MY INFO WAS ALSO LOST IN THE XXXX  BREACH. I AM AN ESSENTIAL WORKER AND MY LIFE HAS ALREADY BEEN DRAMATICALLY IMPACTED BY COVID-19. I WOULD GREATLY APPRECIATE YOUR ASSISTANCE IN RESOLVING THIS ISSUE. 

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: Closed with explanation
Consumer complaint received 2018-10-10
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: Old information reappears or never goes away

Complaint:
A complaint from a company was placed on my credit report about closing acct in XXXX when i no longer have acct with Them since 2013..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10
Company: Cascade Capital, LLC
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was notified by XXXX XXXX XXXX, XXXX. of a debt of {$1700.00} forwarded to their office for collections by XXXX XXXX XXXX for collection of debt. The referenced debt is for professional medical fees generated by an emergency admit ( dos XX/XX/2014 ) to XXXX XXXX XXXX which is a VA approved medical facility. All entities was billed and processed for payment except it seems for the original provider XXXX XXXX XXXX XXXX. The claim was resubmitted to XXXX XXXX XXXX XXXX. and processed for payment. Attached are the explanation of benefits and a letter from the Veterans Administration informing the various entities that the payment received represents payment on full for services rendered. I am a XXXX XXXX veteran listed as 100 % XXXX and as such I do not generate any patient financial responsibility for claims generated by any VA facility.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I AM A VICTIM OF IDENTITY THEFT. MY INFO WAS USED TO FRAUDULENTLY OBTAIN GOODS IN MY NAME. PLEASE BLOCK ALL FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. I HAVE CIRCLED ALL FRAUDULENT CHARGES ON MY CREDIT REPORT. MY INFO WAS ALSO LOST IN THE XXXX  BREACH. I AM AN ESSENTIAL WORKER AND MY LIFE HAS ALREADY BEEN DRAMATICALLY IMPACTED BY COVID-19. I WOULD GREATLY APPRECIATE YOUR ASSISTANCE IN RESOLVING THIS ISSUE. 

XXXX XXXX # XXXX XXXX  XXXX # XXXX XXXXXXXX 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 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 2018-08-02
Company: LD Holdings Group, LLC
State: AR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We were trying to refinance our home with Loan Depot and through the application process, the loan officer looked at our home online, told us how nice it was and also was able to view price and estimated value of the home, as well as what homes sold for in the immediate surrounding area. We were told there shouldnt be any problem at all with refinancing, as well as cashing out {$30000.00} to pay off other debt and that we should also get approximately {$2000.00} at closing. The value of our home was at {$210000.00}, but when the appraisal came back almost 2 weeks later ( after the appraiser had to come back and take a picture of the attic ) it was only {$170000.00}. Our home is in a very prominent area of town, has brand new carpet placed in XX/XX/2018, a new a/c unit, an updated kitchen and dining room, corner lot, and in great shape overall. A home just 2 houses from ours sold for {$210000.00} and the one directly across the street from that one sold for {$240000.00}, both in the same time frame as the refinance attempt. We were shocked and very concerned at such a low appraisal and feel that we were cheated and not given a fair and true appraisal. We called Loan Depot and requested a refund of our appraisal fee in the amount of what we paid, {$420.00}. Our request was immediately declined. We would also like to have our application fee refunded. We have been in Law Enforcement for over 20 years and work very hard for our money, and in obviously unsafe conditions daily, and dont appreciate being taken advantage of.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15
Company: Merchants' Credit Guide Company
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There are four medical accounts with Merchants credit Guide company in which I do not owe.They stated that these charges are from Old doctors and hospital visits from XXXX XXXX. The following amounts that are reporting on my credit report is in the following amounts XXXX and XXXX. When I contacted the original creditor which is XXXX they stated that there was no balance due and that the debt was not sold to this company at all. If this is the case this is a violation of the HIPPA Law.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Because of COVID19 my husband and I lost our income when the governor of CA ordered everyone to go home. This meant no more income for us. 
We tried to work and navigate with our credit card companies but CapitalOne refused to reimburse us the late fee our account incurred. 
On XX/XX/XXXX, because we have had no income it was hard to pay this credit card and they charged {$22.00} for late fee. I tried to have it removed and they couldnt help. 

CapitalOne is a XXXX dollar company and they cant help a client with a {$22.00} late fee? 

I am requesting that the CFPB protects the interest of the American citizens being taken advantage of by unscrupulous CC companies

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/2018 I did a wire transfer from my bank account in the amount of {$7700.00} to XXXX XXXX XXXX at XXXX XXXX XXXX XXXX NJ XXXX. The wire transfer shows the beneficiary bank being Capital One NA of XXXX XXXX, LA with an ABA/RTN number. This wire transfer was suppose to been for a truck that I thought I was purchasing using XXXX. But have not been able to get in contact with the seller. I have spoken with XXXX which informed me that my offer was denied but was at some point the conversation was intruded and I began speaking with someone else that perpetrated as the seller.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: CITIBANK, N.A.
State: MI
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:
They have reported the wromg balanceon my account and my credit score went down drastic 23 points. I have worked very hard to get my score where I needed it to be. This is very upsetting. Please correct the information and make sure my rights are and respected and protected

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 2018-04-10
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: Information is missing that should be on the report

Complaint:
Equifax have removed my positive accounts. I only disputed XXXX XXXX and they have removed all my accounts and stated they cant add them back but they where never included in the disputed. I contact the companys itself that should be reporting and they stated that Equifax have two files for me and they can not put the items back on since they was disputed. But I never disputed the items.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
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:
I applied to see if I would get pre-approved for an auto loan today XX/XX/20 but unfortunately I was not because apparently there are four accounts reflecting badly on my credit report. The accounts were opened with these companies. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX. None of those accounts belong to me ; I have ever opened an account with any of those companies and I have never allowed anyone to open those accounts in my name. I have never signed any contract or agreement with those companies nor did I get anything out of those accounts such as money, goods, services or any other benefit and I never made payments towards those accounts. I don't know who opened those accounts without my permission but I have already filed a police report with all of the information I have in the moment. I also filed a compliant with the Consumer Financial Protection Bureau regarding these unauthorized accounts.

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 2018-10-10
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX recently came into my credit report at all three bureaus. This states from 2015. I have reported this SEVWRAL times as it is completely inaccurate. 

I am looking for TRUE validation yet o Provides with nothing. It simply says no changes. This account was placed on my account 5 years later and they have not validated this debt with more than an address, etc. 

2. This account is listed as in collections it is still Reporting late monthly payment. As of now this account has 36 monthly payments but the account went into collections 36 months ago. 

3. The current payment account status is 120 Days Late but the account is Listed as closed. 

4. I NEVER EVER received notice of this debt. It simply popped up in my Credit Report. I specifically asked multiple times for this information and never received. 

5. Its ahowing as Voluntary Repossession and I NEVER EVER EVER EVER DID THIS and I requested prood of this and never rcvd. 

These companies should not be free to Put inaacurayw information on your credit Report with basically no power to remove. They keep saying it is verified and that is impossible. Because its completely inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: ALLY FINANCIAL INC.
State: AL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
I opened an account with Ally bank online. I sent {$400.00} to fund the account and they cashed the check and locked the account. I called the number they said to call and they switched my to the fraud department. I have tried to call for 3 days and have been on hold for 3 days. I have left 2 messages with no reply. I tried an online chat and they would not help me because my account was locked. You can not get a hold of anyone to fix the problem that there might be.

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 2020-11-15
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1000.00}, {$12000.00}, {$4500.00}, {$4700.00}, {$1900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4500.00} -This is not my account. 

4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4700.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX recently came into my credit report at all three bureaus. This states from 2015. I have reported this SEVWRAL times as it is completely inaccurate. 

I am looking for TRUE validation yet o Provides with nothing. It simply says no changes. This account was placed on my account 5 years later and they have not validated this debt with more than an address, etc.

2. This account is listed as in collections it is still Reporting late monthly payment. As of now this account has 36 monthly payments but the account went into collections 36 months ago. 3. The current payment account status is 120 Days Late but the account is Listed as closed. 4. I NEVER EVER received notice of this debt. It simply popped up in my Credit Report. I specifically asked multiple times for this information and never received. 5. Its ahowing as Voluntary Repossession and I NEVER EVER
EVER EVER DID THIS and I requested prood of this and never rcvd.

These companies should not be free to Put inaacurayw information on your credit Report with basically no power to remove. They keep saying it is verified and that is impossible. Because its completely inaccurate.

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 2018-07-12
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I signed up for a promotional offer on their website on XX/XX/XXXX.

It promised a {$150.00} bonus for receiving a {$500.00} direct deposit within 60 days.

My deposit arrived on XX/XX/XXXX ; per the terms of the promotion, the bonus was due XX/XX/XXXX.

When I contacted the bank, they said they needed more info, such as a promo code and how I received the offer. But as I had said, it was an offer on their web site, with no promo code. I will attach screen shots of the offer and promotional terms.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-30
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
The credit bureau has placed a FRAUD ALERT, SECURITY FREEZE and/or EXTENDED SECURITY FREEZE/FRAUD ALERT on my credit file. I do not want a security freeze, fraud alert or extended fraud alert/security freeze on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10
Company: Credit Bureau of Council Bluffs, Inc DBA Credit Information Systems
State: NV
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/2017 Credit systems info Hard inquiry on all three credit reports never authorized to run my credit and have never heard of that company. 

XX/XX/2017 XXXX XXXX Hard inquiry on all three credit reports never authorized to run my credit and have never heard of that company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
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 consumer recently sent in letters of unauthorized false invalidated information on my credit report and hasnt been sent back my investigation as of yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I have applied to Comenity Bank for the XXXX XXXX XXXX. Each time I apply they run my credit and hit me with a hard inquiry. At such time they claim I have a freeze. I do not have a freeze or any block on my reports. Each letter I have received in the past has a different excuse and when I call they tell me something different that contradicts the letter. On the last application in XXXX they have never sent to me any correspondence for this application. But when I call they claim I have a freeze. Once again I have no freeze. 

I am middle eastern and was born in XXXX and was born XXXX. I have asked them several times do you have a problem with my background? They won't answer. 

Each manager I get transferred to won't help me, they listen to me and them tell me to re-apply ion 30 days. 

This is such harassment and is causing me additional time with the credit reporting agencies to validate my reports with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: SYNCHRONY FINANCIAL
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I was attempting to make a financed purchase of a XXXX XXXX from XXXX XXXX XXXX for my home office/XXXX XXXX on XX/XX/2020. On their checkout page the PayPal Credit Financing Option for 0 % interest for 12months made the purchase manageable for me. I applied for the financing through PayPal credit to make the purchase and was approved for only the pre-tax price of the computer. Upon check out I received repeated errors noting the payment processor was unable to authorize the account. After contacting PayPal ( processing ), my bank and my credit card, I was assured there were no issues on their end. I then realized my purchase was being denied due to my PayPal Credit limit being below the total purchase price ( with tax ). 

Upon requesting a {$300.00} increase of credit on the account on XX/XX/XXXX, I was denied. 
While I was able to close the account due to not being able to complete the purchase I established the line of credit for, the time, brief hits to my credit and lack of powerful computer leaves me behind on various projects I am currently engaged in. None the less to PayPal.

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 2018-04-10
Company: Conn's, 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: Problem with personal statement of dispute

Complaint:
OnXX/XX/XXXX, Conn 's Credit Corp. received a certified letter disputing 2 derogatory accounts on my credit report. I have NOT received any written communication from the company to date, however they have tried contacting my NUMEROUS times by phone, even after requesting they contact me by mail. On XX/XX/XXXX, I sent ANOTHER certified letter to Conn 's Credit Corp notifying them they have violated several FCRA and FDCPA rules. They failed to mark my accounts " disputed '' with the credit reporting agencies. The lack of concern to follow federal laws is very alarming. I have not to date received ANY signed contract to validate the debt. VERY ALARMING that this company feels they do not have to follow laws, and can damage a person 's credit without hesitation!

Company response to consumer: Closed with explanation