BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-04
Company: Sequium Asset Solutions, LLC
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor.Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. 
You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. I've disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: AutoMoney, Inc.
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Pawn loan
Issue: Charged fees or interest you didn't expect

Complaint:
I was persuaded into renewing my loan during the time I had an XXXX in which I was XXXX for 3 months! I was up to date until they keep changing workers for stealing an I have called you all an gave the names of the responsible parties that were constantly calling an harassing me and persuading me into renewing my loan.I always paid on time or if I was late I call always.I couldn't get thru to the manager and when I did he was very rude an disrespectful.I deserve my tittle back from auto money on XXXX XXXX. XXXX S.C, I recently made an payment so they want take my car in which they tried without warning or written notice.When I did call in they gave me a certain date but kept calling. Thank you all for your time and patients of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: EQUIFAX, INC.
State: WA
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:
Starting around the beginning of XX/XX/2020 I needed to unlock the freeze on my Equifax account for a refi. However, I was not able to login to my account. I reset my password on the companys website, but when I try and login it would tell me my account has been temporarily locked out. I called Equifax to get them to unlock my account and they told me to fax them my drivers license, SSN, and a pay stub. Which I did a handful of times over the next 2 or 3 weeks. Finally, after about 5 weeks, after I started the process, I received a letter in the mail letting me know that they had lifted my credit freeze ( after my refi was done ) At which point I tried to logon only to find out my account is still locked. I then opened an online support ticket with Equifax, XXXX XXXX XXXX on XX/XX/XXXX. Equifax closed that case the next day, without resolving my issue. I then opened another case number : XXXX on XXXX XXXX to try and get my account unlocked. I have sent them 13 emails so far asking when they are going to unlock my account. I have received two responses from them stating that because of Covid-19 the are  busy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: Bread Financial Holdings, Inc.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I HAVE DISPUTED THESE ITEMS TO BE REMOVED OFF MY CREDIT REPORT AND IT SEEMS AS IF THEY REFUSE TO REMOVE THE ITEMS OFF MY CREDIT REPORT FROM ALL OF THE 3 OF THE CREDIT BUREAUS AFTER ATTEMPTING TO DISPUTE MULTIPLE TIMES. I HAVE SUPPORTING DOCUMENTS THAT SUPPORT MY CASE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I want to emphasize that I have no affiliation with these creditors, and I did not initiate this inquiry on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: INDEPENDENT BANK CORP.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
been ordering brand new XXXX XXXX XXXX for my XXXX XXXX for 15+ years without any issues within the last 8-10 months the have stopped ordering them and claim they are unable to get them. I called the Fed Reserve in XXXX and were told new ones are available and to seek this route to resolve my problem. The reason it is such a problem is without the new bills the dispenser is constantly getting jammed. this leads to upset customers and frustrated employees. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
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: Public record information inaccurate

Complaint:
I have a bankruptcy reporting to my equifax and XXXX credit report I have told them it isnt mine its fraud and they told me to file it on here and then they would remove it equifax keeps saying the verified it with XXXX XXXX which is in correct cause I got my public record from them and they said I have no public record this is their third party they get XXXX information from I want this removed immediately sick of getting the run around

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This is my second complaint regarding this company. XXXX XXXX XXXX who has sent this to XXXX XXXX XXXX XXXX, XXXX.. They are requesting me to pay XXXX to them regarding a Capital One Bank XXXX XXXX XXXX. Back in XXXX of 2020 I received correspondence from XXXX XXXX XXXX stating I owed them. I then responded XX/XX/2020 requesting them to provide proof bearing my signature showing I have or ever had some contractional obligation to their company. Their response was dated XXXX XXXX they could not find any records of me. I then receive a letter from XXXX XXXX dated XX/XX/XXXX. I explain that XXXX had 30 days by law to provide me with proof. And they failed. I then sent them my letters and asked to please comply with the laws. I also received a letter from Capital One Bank stating I no longer owe them anything. I now have received a summons from XXXX XXXX that was delivered to me XX/XX/2020. But was filed on XX/XX/2020 and received by the court XX/XX/2020. I feel this is retaliation because I filed a complaint with your company and the Attorney Generals office.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Dear Consumer Protection Bureau I have been a customer of XXXX XXXX XXXX for the past 3 years. I had a FICO score of XXXX and above. during the past 3 years I have always paid the time on timely manners and never been late on the payment at all. I will be happy to provide you my payment history with XXXX XXXX. 
I checked my FICO score with XXXX XXXX and Experian and it was really devastating to find out that my FICO score has dropped from XXXX + to XXXX lower over XXXX points on my credit report due to decrease of limit on my XXXX XXXX card from {$10.00} XXXX. XXXX XX/XX/XXXX I called XXXX XXXX and the representative said that we checked your credit report with Transunion and we decided to change your limit from XXXX to {$5800.00} and we have not send you any notice yet credit card companies are required to give a 45 days written prior notice to consumers in order to make such a big change. right now I have drop of credit score and I am not able to transfer the balance from XXXX XXXX card to any other credit card company because my credit is terrible now. as a consumer of XXXX XXXX I would like XXXX XXXX to go ahead fix my credit limit on my credit report and I have no problem not being able to use the card I just want my fix credit. 
I will be happy to provide you with my credit report that I have not used all my credit limits and I pay all my bills on time. XXXX XXXX has damaged my credit and they need to take care of that. 
please let me know what they can do for me to take care of this matter

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 2020-11-20
Company: EQUIFAX, INC.
State: MS
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:
On XX/XX/2020, I mailed a letter about inaccurate accounts that were shown on my credit report and asked for an investigation. It has been 2 months and I still haven't received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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 letter was sent for dispute which included an affidavit attached for fraudulent information reporting on my credit file. There are two accounts that are inaccurately appearing on my credit report from your company. According to FCRA 609 you all have the obligation to remove fraudulent information from my credit report. At this time more than 30 days has passed and I have yet to receive a reply or correction on my credit reports. I have contacted all 3 major credit bureaus to correct and they claim you have verified the information but have yet to send any proof of my consent to these accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-28
Company: U.S. BANCORP
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Advertising
Sub-issue: Changes in terms from what was offered or advertised

Complaint:
this pre paid card has to be registered before you can use it, I have purchased several of them in the past week. They can not be registered becaue their horrible website doesnt work, and it's been down for a while! They do not disclose this when you are on thier website at all, and you keep trying to put in all the info many, many times with no success! thier website is horrid and it should be noted in large print that it is down!!!!!!!!!

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 2021-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 have no idea where to start with this complaint. First off I should not be having to spend my time writing this complaint after I have already filed two disputes. The one was back in XXXX of XXXX the second was in XXXX now we are almost into XX/XX/XXXX and I havent received anything. WHY? What do I have to do to get my them to do their jobs? I have to waste my time filing disputes after disputes and now a complaints.

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 2020-06-02
Company: CORELOGIC INC
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
After reviewing my credit report I found inaccurate items that have not been verified according to the FCRA guidelines 623,611 please remove the following account they are not accurate : 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 VS 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 I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed are not deleted immediately.

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 2020-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 have accounts on my XXXX  credit report that have been opened due to identity theft fraud and i did not authorize these companies to open these accounts. I have submitted the police report with the names of all the fraudulent accounts over to XXXX  numerous times and by law they are supposed to block these accounts within 5 business days. I have been trying for 5 years and i have gotten no where with them. The latest was sent on XX/XX/20 and they still will not block these accounts. The accounts are listed below 1. XXXX XXXX 2. XXXX XXXX  3. XXXX XXXX  4. XXXX XXXXt which is now called XXXX XXXX Also i have attached the police report below Transunion  Fraudulent accounts and all of these accounts were previously deleted due to the fraud and are now reporting on my credit again. 
1. XXXX XXXX  2. XXXX XXXX  3. XXXX XXXX XXXX 4. XXXX XXXX 5. XXXX 6. XXXX XXXX XXXX ( there are 2 of these reporting ) XXXX  Credit Bureau 1. XXXX 2. XXXX XXXX XXXX  ( 2 accounts ) All these accounts on all credit bureaus have been disputed numerous times.

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 2017-08-11
Company: EQUIFAX, INC.
State: MD
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:
I have filed several complaints against XXXX XXXX XXXX for the same issue. They admit that payments are falsely reported as late and then they correct it when I file a complaint only to go back and add the same information back to my credit report at a later date. This was just corrected on XXXX and then on XXXX they add the negative information back to my credit report again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: Continental Finance Company, LLC
State: CT
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:
XXXX XXXX account ending in XXXX was re-billed in the amount of {$370.00} on XX/XX/XXXX, XXXX. This charge was reported as fraudulent along with another charge, {$350.00} to XXXX, the charges came in a day apart on XX/XX/XXXX, XX/XX/XXXX, I believe as I do not have statement available at this time. Prior to this, I called XXXX, the fraud department numerous times at XXXX, extension XXXX, a rep by the name of XXXX. No one pics up the phone and keep getting a voicemail, even when entering extension. credits were issued to account for the charges, however, it appears XXXX has been re-billed and do not have an explanation. I was able to resolve XXXX charge by chatting with several online chat reps, a refund was issued to card ending in XXXX, which was reported lost/stolen as well as the fraud prior. I was unable to resolve fraud charge with XXXX reps, they advised me to report it as fraud which I have. Unfortunately, it appears the bank expects me to pay it, since it was re-billed. I have not received anything from XXXX in relation to this charge. Further, it is not my responsibility to resolve fraudulent charges with merchants as I have with XXXX, the bank is supposed to work out such charges. Luckily, I was able to get a refund from XXXX, I have not had same luck with XXXX. I request bank to re-investigate charge, issue credit if 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 explanation
Consumer complaint received 2020-10-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with overdraft
Sub-issue: Overdraft charges

Complaint:
On XX/XX/2020 several transactions totaling in the amount of over XXXX XXXX dollars had been debited from my prepaid debit card account. These debits resulted in making my account negative over XXXX XXXX dollars. I was told i had to verify my identity which i successfully did but in the time they " closed '' my account any deposits that i had going to my account were just added to the negative balance. Prepaid Bank of America had violated section 2b of the prepaid card terms and conditions. By allowing these debits to occur unlawfully i had to endure weaks of financial stress upon stress that i should have never had to even go through. In section 2b it states that once a deposit has been made to my account the state is not allowed to debit any of those funds from my account and it also states that there will be no overdraft transactions to ever occur on my account and yet they did just that. After weeks of nonstop calling i was finally able to get through to a claims representative who explained to me that there was some kind of system glitch and that they were absolutely at fault and that after submitting an escalation, Id be able to get all of those debits credited back to my account that of which should have never been taken from my account in the first place. It has been weeks and I have yet to be credited back the transactions that had been wrongfully taken from me and i would like to have what was rightfully taken from me. I have a full transcript of my conversation with that claims representative that i will be attaching with this submission.

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 2021-09-01
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections in my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09
Company: ALLY FINANCIAL 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 belongs to someone else

Complaint:
From the month of XXXX, I have been contacting Ally financial to pay the minimum monthly payment and I have n't been able to. Ally financial, has blocked me from making online payment, XXXX XXXX and XXXX XXXX. I went on XXXX, to XXXX to make payment to Ally financial via XXXX XXXX and on the screen the customer service representative said that she had never seen a message across the screen instructing me to call into Ally because there was a block on it. Moments later, I called into ally 20 times to be exact to correct the problem, and they stated they received a fraudulent check from me. I do n't even have checks and have always used online banking, ( which I 'm blocked from as well ) but the rude customer service rep in the fraud department stated that their was a check but it the check was n't written by me at all. Ally Financial has blocked me from all ways of making a payment, and I have lates on my credit from it ... Ally financial is also aware of my difficulties of making payments because they blocked me from all forms of making payments.

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