BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-18
Company: CITIBANK, N.A.
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Unrecognizable charge

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 2018-07-28
Company: SYNCHRONY FINANCIAL
State: CA
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 very cheap terrible bank to work with I have been trying to dispute the unwanted charge to my account and this XXXX XXXX  refuse to do anything First they told their dispute department XXXX XXXX and confirms that the charges to my account was ledget then when I told them I will take them to court then they said their going to start the dispute again and that was lie it was just to buy time and toy me around they send me this stupid letter which I will include with this complaint They refuse to credit the unwanted charge

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
CFPB ID XXXX RE : XXXX and XXXX These numbers were listed on my XXXX report. I was unable to access the information on my credit report or file. I demand access to this investigation report. I submitted dispute letters on XX/XX/2020 demanding a validation of the alleged debt from XXXX  in pursuant 15 USC 1692g. I demand the original copies of the signed credit application from the initial creditor, the exact amount of the alleged debt, a clear and concise explanation of how XXXX  calculated what you say is owed, copies of all or any documents that prove that I agreed to pay what you say is owed. cashed checks used for bill payments, and identification of the creditor including the accurate contact information. In pursuant of 15 USC 1692g ( 4 ) I am demanding verification of the debt and copy of such verification to be mailed to the consumer. I am demanding verification of all relevant information and any documents your agency retrieve from the creditor. I demand a copy of your investigation report that was placed in my credit report and credit file in pursuant of 15 US1681d. Disclosure on request of nature and scope of investigation make a complete and accurate disclosure of the nature and scope of the investigation requested. If you fail to properly verify the enclosed requested documents and this alleged debt continues to be furnished on my credit report and credit file. I shall not hesitate to sue you for damages under the Fair Credit Report Act. Unverifiable information must be removed immediately. Also, XXXX, your consumer report agency or bureau decreased my credit score by 70 points as a form of intimidation upon me filing a dispute. No credit bureau or consumer reporting agency shall use any false, deceptive or misleading representation or means in connection with any debt. Consumer reporting agencies such as XXXX, TransUnion, XXXX  shall refrain from abuse of powers and threating a consumer credit score. Consumer reporting agencies or bureaus shall refrain from acting aggressively to report information to a consumer 's report and file due a fee and mutual agreement with the creditor. Consumer reporting agencies has cause someone like myself to lose out on an opportunity to purchase a new home due to the fraudulently and criminally acts.

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: Credit Plus 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 is missing that should be on the report

Complaint:
XXXX XXXX - Closed Exceptional payment history Account Info Tap labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan Balance on XX/XX/XXXX Loan Amount - {$25000.00} Payment Info Status Paid satisfactorily Status date XX/XX/XXXX Past due amount - Original loan amount {$25000.00} Monthly payment - Late payments - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX On Time Data Unavailable Additional info Responsibility Individual Terms 73 Months Company sold - Original creditor - Comments - Your statements -

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31
Company: ALLY FINANCIAL INC.
State: OK
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:
I received two notifications on my credit that two separate dealerships ran my credit. I recently sold my truck snd have had no use in looking for newer vehicles. Confused on to how or why its being used.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My social security number was compromised in XX/XX/XXXX. I only found out when I received a phone call from a collection agency demanding a payment of {$1000.00} to XXXX. I have been going back and forth with XXXX for OVER A YEAR, submitting ALL documents they have requested, contacting all credit bureaus, etc. The credit bureaus have informed me that they have never received anything from XXXX saying that this was fraud, but I have a letter from XX/XX/XXXX, from XXXX stating that they have sent a letter to the credit bureaus and to wait 90 days for the removal. It is now XX/XX/XXXX. There is a hard inquiry on my Equifax report that was NEVER authorized ... XXXX also opened an account with my social security number, under the name XXXX XXXX, which is NOT my name. My name is XXXX XXXX. The account number is XXXX. I have sent them a notarized packet that shows my address, which was not where the orders were made, at the time, as well as my driver 's license, a copy of my ss card ( with the numbers except the last 4 blacked out ) a FTC report, and their own packet that they 've requested. I 've also sent them a copy of my credit report where it shows that hard inquiry still exists. I even filed a police report, and gave the police officer the name, address and phone number of the suspected person, and even HE did n't care to do anything. This has been going on for OVER A YEAR. If this does not get cleared up within the 15 days that CFPB says to allow, I will be contacting their legal department.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
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: Investigation took more than 30 days

Complaint:
To Whom It May Concern : On XX/XX/2020, Equifax, XXXX, and XXXX  are reporting inaccurate and unverifiable information on my credit report. Please see accounts and its details below that are deemed incorrect on my credit files. 

FOR Equifax 1. you are reporting 3 different dates of last activity/Date of last payment/and Date Open XXXX XXXX   Account Number : XXXX Delete this account for reporting inaccurate information. 
2. I was never late on this account XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
3. the date 's of last activity are inaccurate XXXX XXXX XXXX   Account Number : XXXX Please remove this inaccurate information from my credit report. 
4. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

FOR XXXX 1. you are reporting 3 different dates of last activity/Date of last payment/and Date Open XXXX XXXX  Account Number : XXXX Delete this account for reporting inaccurate information. 
2. I was never late on this account XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
3. the date 's of last activity are inaccurate XXXX XXXX XXXX   Account Number : XXXX Please remove this inaccurate information from my credit report. 
4. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

FOR XXXX  1. you are reporting 3 different dates of last activity/Date of last payment/and Date Open XXXX XXXX   Account Number : XXXX Delete this account for reporting inaccurate information. 
2. I was never late on this account XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
3. Validate Account XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31
Company: Bread Financial Holdings, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
lost my wallet that contained my driver license and social security card and multiple accounts where open using my personal information and a credit card with Comenity bank was open XXXX with credit limit of {$200.00} sent company a letter stating it wasnt mine it was open do to identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Information on my credit report by Wells Fargo show that two ( 2 ) of my accounts are delinquent as of XX/XX/XXXX. These accounts are not delinquent and I continue to make payments on these accounts. The last payment was made in XX/XX/XXXX. 

Because these accounts show that I am delinquent, my credit to refinance a mortgage was denied and it continues to happen because of this.

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 2022-08-06
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:
About 1 year ago I noticed my credit score had decreased drastically, I checked and saw that there was a Bankruptcy listed under my name. I reached out to the credit bureaus to attempt to resolve this issue. They all said their Bankruptcy information is all retrieved from XXXX. I then reached out to them and they told me to reach out to the court where it was filed. I reached out to the filing courthouse and there was no such filing there. I then got a letter from the court saying that the information at XXXX was wrong and XXXX soon after deleted the information. Now I am trying to reach out to the credit bureaus and have sent them so much evidence and documentation. XXXX and XXXX have deleted the information but Transunion has not. I do not know what to do as I keep on sending them letters, requests, calling etc. I have all the evidence that this was not me.

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 2020-09-14
Company: Premier Holdings
State: ME
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Mr XXXX from Premier Holdings LLC contacted me and told me that I owe a debt from over 6 years ago for over 800 dollars!, He advised me that I was not allowed to call him and started yelling in my ear saying that I would be arrested or face criminal charges, he wouldnt let me get a word in to ask questions and then started using profanity and threatened to just keep calling my employer! He called me multiple times supposedly and said I refused to return his calls. This call happened on XX/XX/2020 at XXXX AM, after doing research I also did research and found thousands of complaints on the XXXX  website against this guy for yelling, screaming and harassing people

Company response to consumer: Untimely response
Consumer complaint received 2020-11-20
Company: Rent Recovery Solutions
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have responded to this company on several occasions disputing this inaccurate information that's placed on my credit profile. I have sent them all the proper documents to make sure that this account get DELETED, but they still have not followed the rules and regulations that's set in forth. So I'm reaching out to this company to help me do as such. I let them know that I was a victim of fraud and all my personal things were stolen and misused unlawfully. I have sent a complaint to the XXXX  and this matter wasn't handled correctly.They asked for a affidavit and I sent that to them via certified mail. This account has nothing to do with me at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04
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 am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX XXXX Unknown : XXXX Unknown : XXXX Unknown : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
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: Investigation took more than 30 days

Complaint:
I sent letters to the credit bureaus because I have inquiries that I didn't authorized,, and negative accounts that should not be on my credit report. i want to open an investigation about my case and solve my problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: CITIBANK, N.A.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We applied for a mortgage refinance on XX/XX/XXXX with that application submitted on XX/XX/XXXX. Upon submitting our application we also supplied our bank statements, paystubs, income tax return, and homeowners insurance information. We were initially informed that closing would most likely occur between 60-90 days from the application. At which time we scheduled and payed for a home appraisal. 

We reached out for an update on XX/XX/2020 as to our closing date and were ignored on numerous occasions. Upon continuous attempts at successful contact, on XX/XX/XXXX we were informed that our submitted documents were never submitted to underwriting. We resubmit our documents promptly and were then given a new closing date of mid XXXX. On XX/XX/XXXX we were informed that letters of explanation for late payments were required and therefore we were removed from underwriting and needed to start the underwriting process all over again. 

From this point our closing date has continued to be pushed back further into the year. We have expressed our concerns regarding the process on numerous occasions and were informed that as of today XX/XX/2020, the underwriters havent reviewed our documents.

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: ALLY FINANCIAL 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:
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ALLY XXXX Date of payoff. XX/XX/XXXX XXXX XXXX Date of settlement payoff XX/XX/XXXX Ive challenged this account several times with no response. This account does not belong to me as I have never had XXXX services. I have provided proof of this as well as submitted FTC affidavits, yet it is still reflecting on my report. IT NEEDS TO COME OFF Ally and XXXX XXXX were both paid off in a settlement with the agreement that those accounts would remove them from my report. 

These are a list of Inquiries on my report that I have no knowledge of. I have never applied for jewelry financing and I have haven't bought a car since XXXX yet there are a list of Auto Financing inquiries on my report.. 

XXXX CARD - XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX Finance/Personal XX/XX/XXXX XXXX  XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX CARD - XX/XX/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 2020-11-20
Company: SYNCHRONY FINANCIAL
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 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 2020-05-19
Company: National Credit Systems,Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
National Credit Systems is reporting that I owe {$8400.00}. I have requested debt validation, made pursuant the FCRA & FDCPA competent evidence bearing my signature, showing that I have or ( ever had ) an contractual obligation to pay you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
Company: Exeter Finance Corp.
State: OK
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have a car loan with Exeter Finance. They told me that they only recently allowed people to start making payments towards the principal of the loan which is shady customer service. 
I made an extra XXXX $ payment but because I did it on the website they said they wouldnt put it towards the principal because I did not call it in. Which they never told me I had to call it in. Then on XX/XX/2019 I called in an extra payment towards the principal of my loan for {$100.00} even. And I especially told them I wanted it to go only towards my principal and all they did was apply it to my account and change the date of my next payment. I called them and told them to fix it but it's taken multiple calls, and days to fix a simple issue. I do not trust them and will not be doing business with them in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01
Company: Avant Credit Corporation
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
They are set up with affiliate XXXX XXXX. Misleading a consumer with very confused misleading marketing. And pulling credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21
Company: EdFinancial Services
State: AR
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I tried to have all student loans consildated and receive loan forgiveness that I paid for, but this one loan continue to Bill me. For XXXX dollars intrest XXXX dollars I do n't know what to do about this.

Company response to consumer: Closed with explanation