BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-20
Company: OneMain Finance Corporation
State: GA
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:
Without consent lenders are reporting information on my behalf. Inquiries are reporting on my report I dont recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: DISCOVER BANK
State: NV
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 an authorized user on my mother 's Discover credit card. She passed away in XXXX of 2022. The account is being reported on my credit report with late payments. I have written letters to the credit bureaus in XXXX, XXXX, XXXX, XXXX, and the beginning of XX/XX/2022 requesting the account and the late payments be removed from my credit report. I have not received a response from the credit bureaus. This account was not mine. The account and late payments are hurting my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-28
Company: Collins & Hilton Asset Group, LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My name is XXXX XXXX I have a loan out with XXXX XXXX now its with XXXX XXXX XXXX XXXX XXXX Texas I been trying to get this collection agency to give me a statement on my account I have never received any debt collection from this company or the original loan company it is on my credit report I have tried to pay this loan Ive been sick with XXXX and trying to resolve this and debt Collection company will not release my information I have filed XXXX XXXX XXXX and report the FCC commission and trying to file a small claims with the state of New Jersey to try to get this paid can you please help me 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 2023-08-11
Company: Experian Information Solutions Inc.
State: TX
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 writing to formally report and request the removal of fraudulent items from my credit report, which are inaccurately reflecting my credit history due to identity theft. I have thoroughly reviewed my credit report from your agency and have identified instances of fraudulent reporting that I believe require immediate attention and rectification. I have outlined the details of the fraudulent items along with an explanation of the situation : I did not open or authorize the items listed above. It has come to my attention that I have been a victim of identity theft, and the reported fraudulent items are a result of this criminal activity. I have taken immediate steps to address this situation, including filing a police report and notifying the relevant authorities.I request your urgent assistance in investigating and rectifying this fraudulent activity on my credit report, in accordance with the Fair Credit Reporting Act. I kindly request the removal of the fraudulent items associated with the mentioned items, as it is negatively affecting my credit history and financial well-being. I am aware of the legal requirement for credit bureaus to investigate and respond to disputes within 30 days. Given the seriousness of this matter, I am seeking your prompt attention and resolution. Please provide me with a written confirmation of the removal once the investigation is complete. Furthermore, I request an updated copy of my credit report reflecting the accurate and corrected information, once the fraudulent items has been removed. These are the following fraudulent items that I want to disposed of 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 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 2023-08-09
Company: TMX Finance LLC
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
I made {$1000.00} payment on XXXX XXXX. When I signed in last week to check my balance, it had already gone back up by {$1000.00}. I called and asked how that can happen. They said it was because my interest rate is at 190 %! 
I asked if I could refinance and lower the interest rate, and they said they couldnt help me. They gave me the corporate office number to call. They told me that my local store is the only one that can help me. 
I dont know what to do!!! My payments are up to {$700.00} a month at 190 %!!! XXXX XXXX XXXX! I only went to them for an emergency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: EQUIFAX, INC.
State: NJ
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:
Repeat of two previous complaints submitted on XX/XX/XXXX ( XXXX ; CLOSED ) and XX/XX/XXXX ( XXXX ; OPEN, but CLOSED per Equifax letter ). 

1 ) Equifax INCORRECTLY removed a credit card acct for which I am an authorized user. See attached for the XXXX account that has appeared on my credit report since XXXX - BUT it no longer appears because Equifax removed it without my authorization. This adversely impacts my ability to obtain credit. 

2 ) My Equifax credit report has been frozen and set with a fraud alert. However, there is a soft inquiry made in XX/XX/XXXX that DOES NOT belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted an identity theft report to these companies and they have refused to remove them. Someone has used my personal information multiple times to open telephone accounts and Incured medical debts in my name even credit cards. I am trying to clear any fraudulent activity so I can purchase a home and these are negatively affecting my consumer reports.I spoke to multiple people who all told me to file a FTC report which I have and submitted to them multiple times once in XXXX and another in XXXX they have refused to remove these items from my report. XXXX, XXXX and TransUnion are not being fair when it comes to people who really have experienced someone stealing their identity and I would like a response and for them to be removed asap. I am uploading my FTC to prove I am a victim and should not be treated like a criminal. They have opened {$530.00} at XXXX which I have never used XXXX in my life someone also attempted to get medical care worth {$1100.00} from XXXX XXXX XXXX which Ive never stepped foot inside all I have reported and nothing has been done and they are still on my consumer reports. I have proof they received my FTC report XXXX  closed the XXXX account but this is not my debt this should be deleted completely from my credit report yet they have not removed this or team XXXX XXXX XXXX from my report. XXXX and TransUnion have completely ignored both of these accounts as being fradulent and an inquiry they refuse to remove after I submitted this multiple times that this was not mine XXXX XXXX XXXX XXXXXX/XX/2023 was not mine I have no idea who or what kind of inquiry that even is. I have froze my report with all three bureaus and XXXX  and XXXX XXXX  to prevent this from happening. I would like all of this resolved so I can move on with my life.

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 2022-02-19
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have been on auto pay with MacyXXXX XXXX  XXXX card for about a year now however when my payment came up due on XXXX XX/XX/2022 The payment did not go through because it said I was not on auto pay. I resolve the issue and they took back the lead charge but it still makes me angry and Im not sure I can trust them any more my credit is superb and I always pay the statement balance every month and all my credit cards which are on auto pay even though its resolved Im still not happy about it and still dont know why Auto pay disappeared from my 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 explanation
Consumer complaint received 2023-04-14
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for American Express few times. 

Each time i apply they deny my application citing the previous card i had with them has unpaid balance back is 21 years ago??? 
I filed bankruptcy in XXXX and US Bankruptcy district court dismissed 20 yrs ago. 

They can't deny me credit after XXXX yrs. I have XXXX score and all my financials are strong and stable. 

Please see attached the denial letter from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Problem with customer service

Complaint:
On XX/XX/2022, two checks from XXXX XXXX were made to merrill lynch to roll over traditional and Roth 401k accounts to respective traditional and Roth IRA accounts from Merrill Lynch ( ML ).

Despite of having deposited to the correct accounts, deposit department from ML did not settle the check deposits correctly and resulted in depositing ROTH into traditional account. 
The issue eventually got resolved in XXXX but I have not received settlement nor paperwork stating that there wont be a tax implication for me when it comes to paying 2022 tax next year.

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 2017-08-20
Company: TENET HEALTHCARE CORPORATION
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Our son had an XXXX procedure done X/XX/17 at XXXX XXXX XXXX Medical Center in XXXX XXXX XXXX Florida. We made an arrangement for a XXXX dollars a month payment. We had this agreement in writing and it is in the XXXX XXXX XXXX computer system. We made timely payments. In early XXXX we received a letter from Central Financial Control trying to collect on this debt. They said the {$50.00} payment was not a formal agreement. It is in writing and in their computer system. I feel they should honor it.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MO
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:
This is the second time I had to do this with XXXX XXXX XXXX XXXX XXXX just sold old information to another credit collection agency which is called Portfolio Recovery Association this summer. I was unaware of this until I got a notification from XXXX. This resulted a decrease in my credit score AGAIN by XXXX points on XXXX. I filed numerous disputes a few years ago and finally it was taken care of and removed from my credit report. XXXX XXXX even sent me a letter they were going to remove it last time after speaking with them on the phone also verifying I had a XXXX balance. The following attachments show disputed results from last time. 

I want this removed from my credit report again, all of them because I am at a XXXX balance and I havent used this card in 3 years. If there is anything reflecting a balance it is not me. It is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-24
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Opportunity financial is still showing up on my credit report as a charge-off they agree to take it off if i settled with them and i did just that a year ago Ive sent plenty of certified letters and got no responds.it is reporting on all three of my bureaus XXXX XXXXXXXX XXXX finance is reporting a late payment of {$570.00} From XX/XX/2022 i was never late with that payment and I've sent at least 4 certified letters so they can correct it and they never did it is reporting on all three of my bureaus XXXX XXXX is on my credit report and they agreed to remove it if i paid in full and they never did it recently i was able to get it removed from my XXXX but its still reporting on my XXXX and Experian list of tracking number 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 2018-11-27
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I was notified on XX/XX/18 via credit monitoring service about a fraudulent inquiry appearing on my credit for Barclays Bank. I immediately called to advise them the inquiry was fraudulent and was advised their systems were down and that I would need to call back. I was alerted on XX/XX/18 that an account was established with Barclays Bank with XXXX XXXX. I advised it was fraudulent and the representative advised that only one declined  transaction was attempted and that the account would be closed right away. I also submitted a dispute with the credit bureaus and received a response that Barclays determined the account was mine and it now had a balance of nearly {$4000.00}. The account was opened with a fraudulent address in XXXX, AZ and with a fraudulent phone number. I have never lived anywhere other than TX.

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 2017-08-20
Company: CL Holdings LLC
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: Old information reappears or never goes away

Complaint:
They keep selling the debt to new collection agencies, then it shows a new open date, and it never goes away. This " supposed '' debt is well over 10 years ago ... Not only that, but I do n't even owe the money! I asked XXXX XXXX to close my account back then, and they told me on the phone it was taken care of, but then they never closed it. I am never going to pay money I do n't owe. I just want to know how to get rid of this thing on my credit. I 've been punished long enough for something I did n't owe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-09
Company: Blackhawk Network Holdings Inc.
State: VA
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
Received the card from a Class Action lawsuit even though I opted as a XXXX  only payment method. Received the email as Virtual Disbursements Prepaid Mastercard, contacted the attorney to verify the payment was legit confirmed it was. Used the money from the card in one purchase since I read the contract of terms said there would be a multitude of charges. I wrote down all phone numbers for the mastercard. I have tried multiple times to call these phone numbers for customer service to cancel the card and close the account so that I would not be charged the inactive card fees. The phone numbers provided on the web site and in the terms of use for customer service are, XXXX, and XXXX, The website is XXXX XXXX XXXX 
The terms of use said " b. Account ClosureYou may close your Virtual Card at any time by contacting Customer Service. Your request for Virtual Card closure will not affect any of our rights or your obligations arising under this Agreement prior to the request. Should your Virtual Card account be closed, we will issue you a credit for any unpaid balances, subject to fees as disclosed in the Long Form. We reserve the right to close your Virtual Card account should you complete or attempt to complete any of the prohibited actions in this Agreement. '' I can not reach a person and both phone numbers only has you go in circles entering your card number, expiration date and the CVC code. The website does not provide even a email address to reach out to anyone. I want this card cancelled and the account closed. Today XX/XX/XXXX I have tried both numbers and was unable to reach anyone, I previously tried both numbers XX/XX/XXXX multiple times and XX/XX/XXXX, unsuccessful to reach anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: Experian Information Solutions Inc.
State: NJ
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX  now.with no help

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 2021-09-23
Company: TD BANK US HOLDING COMPANY
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
We went to XXXX XXXX in Virginia in XXXX 2021.There was a makeup section having XXXX XXXX at Nordstrom and the representative who opened our account was XXXX  and her email id is ( XXXX ) .She offered to open a credit card account without any proper disclosure.From that time they have started charging us immense Interest ( 25.90 % ) and they are charging it separately on first payment and total amount respectively.Today ( XXXX2021 ) we have cleared their bill which was XXXX .This is clear practice of Fraud, Bad business and misrepresentation causing us loss of money.We demand a serious action on it and cover our loss caused by this misrepresentation from their side and now they are saying that everything is mentioned in our disclaimer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: Park Hill Holdings
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
SafeRent Solutions is reporting items on my background check that are stale, being older than 7 years which has resulted in the denial of my application to a rental property. When contacting them and disputing the reportings, they say that the FCRA laws do not apply and is a state by state case.

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 2023-12-05
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I ama victim of identity theft. The paperwork I have sent to the credit agencies is not being attached to my disputes. They say that the address is not clear but it is. And I have filed a police report and a FTC report. And I have asked for copies of the verification process according to the FCRA and am not getting anything back. This is a clear violation and the FCRA says that the agencies are violating the law and can be fined.

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