BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-09
Company: EQUIFAX, 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:
this is Under USC 1681g, delete this within 15 days.

See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: Bread Financial Holdings, Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX Comenity Bank XXXX XXXX XXXX  XXXX closed due to bankruptcy My account as listed on statement. was suspended at the time. My balance and credit limit {$800.00}. As advised by XXXX XXXX sales associates to continue payments to Comenity Bank. Payments continue XX/XX/XXXX until XX/XX/XXXX of {$35.00} on time XXXX of each month. 
On XX/XX/XXXX I was contacted from Comenity bank concerning my account. I was told my payments will be deferred due to my unfortunate illness ( XXXX ). I request letter in writing of the action toward my account. I later received a copy of my statement showing I still owes over {$900.00} and credit limit increase. I feel that the bank rated my interests and late fees from the current. With my past and current payments totaling over {$2000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-26
Company: CL Holdings LLC
State: LA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The purchase date of the vehicle is XX/XX/XXXX, the vehicle was financed by XXXX XXXX XXXX XXXX, repossessed in the state of Louisiana, and sold by XXXX XXXX XXXX XXXX on or about XX/XX/XXXX. 
Under the laws of Louisiana and UCC 9.506 as well as State XXXX and XXXX  statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 
I demand proof that the repossession of the subject vehicle was legal in accordance with the following UCC :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-26
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2020 I sent a certified letter requesting validation of inquiries, on my credit file. I was sent a generic letter stating requested information was verified. The reporting agency did not fulfill their responsibility to conduct a proper investigation to my request according to FRA, Section 611 ( a ) ( 6 ) and ( 7 ). However, there were no information, as far, as, proof of who was contacted and what information was obtained to verify the accounts was accurate.

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 2020-11-19
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 belongs to someone else

Complaint:
Equifax placed a fraud alert on my credit report or some block on my file, I want this block or fraud alert removed and please do not add any alert or fraud alert to my report with out my express permission or with out my consent, I dont appreciate any alert being put in my report with out asking me, that also includes XXXX  and XXXX. No one needs to add or do anything to my report period with our asking while Im in the phone, no rep or supervisor has authority to do that unless they ask me, I want any and all alerts or anything that states block for promotional purposes taking off my report, I want everything that has to do with any alert to be removed from all three credit bureaus and nothing be added unless you talk to me personally on the phone or if I request it thank you, now please remove these alerts

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: General Motors Financial Company, 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: Account information incorrect

Complaint:
XX/XX/XXXX - and XX/XX/XXXX I wrote each credit bureau and asked them to verify the debt. I don't recall getting a response or updated credit report as requested so I sent a letter directly to GM. 

On XX/XX/XXXX I asked GM for debt validation because they were reporting a charged-off account to credit bureaus. As a result of doing some research, I learned that XXXX laws may not have been followed making this reporting unverifiable and inaccurate. I faxed a debt validation letter to GM ( attached with proof of fax delivery ) and after 30 days I have not had a response from GM or from XXXX  XXXX  or XXXX  and the account in question is still being reported ( I saw the information on both MyFICO and Identity XXXX ( attached ). I want this deleted because ( 1 ) the GM reporting is inconsistent or incomplete ( 2 ) GM did not respond in 30 days AND ( 3 ) GM provided no documentation they met XXXX  laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
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:
XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Texas XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 

Item # 1 : I dispute XXXX XXXX XXXX XXXX XXXX {$7800.00}, account XXXX. This is not mines. The company didnt send me any notification of debt. This is required by law. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt. 

Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report. 

In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. 
Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. 

Thank you for your prompt attention in this matter. 
Respectfully, 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 2019-08-19
Company: CAVALRY INVESTMENTS, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company continues to harass me, Calvary portfolio and XXXX  regarding a debt that is not mine. The cards were opened by an ex with an affair, not paid from any of my personal accounts and no record of discussion with anyone regarding debts that are not mine. This is not my debt. Know nothing about the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: ALLY FINANCIAL INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
Original complaint XXXX was filed on XX/XX/XXXX. I have received no response from Ally Financial regarding seeking a refund on a cancelled Classic GAP contract. 

The GAP contract was cancelled on XX/XX/XXXX and I have not received a refund. Classic GAP states the refund was sent to XXXX XXXX however they were no longer in business at the time Classic GAP says they mailed the refund to the dealer. 

Per the attached cancellation form I am due a refund in the amount of {$230.00}. This loan is to be satisfied in the next 30 days aside from this remaining balance that will incur interest until refunded. I will not pay interest incurred as Ally was made aware of this complaint but has failed to follow up or act.

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 2019-02-20
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:
Equifax Credit Bureau sent me a letter stating that an account on my credit report for {$1000.00} was verified as accurate. I sent them a certified second letter on XXXX XXXX requesting that they show me the method of how it was verified with my signature. The credit bureaus have 15 days to respond back based on ( FCRA ). Equifax signed for the letter as received on XXXX XXXX and today 's date is XX/XX/19 and I still I have no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: FIRST NATIONAL BANK OF OMAHA
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
FNB Omaha Credit Card closed my account without my consent. Had no issues with account, no late, no negative marks. Company proclaims previous discrepancies algorithms to determine closure. By doing this it may impact my credit report, my credit score has increased and improved, no real true reason but to close my account, other than coded remarks. Will never do business with this institution again.

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 2017-08-08
Company: Navient Solutions, LLC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have received numerous calls from this company and they never left a message until today. I returned their call as at this point I was curious as to how they had my phone number.They were inquiring about my neighbor ( which we do not speak to ) saying it was a personal business matter. I have n't spoke to my neighbors in over a decade. they said they had me listed as an associate i.e. living with them. This is Pioneer Recovery and they DID NOT and DO NOT HAVE BUSINESS WITH ME! I am on the DO NOT CALL REGISTRY. They were just fishing for information and they made it sound like she was in dire trouble and that her husband could n't know. Well, they did n't get any information this time. This is deceitful and quite frankly a waste of my time. This has nothing to do with 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 explanation
Consumer complaint received 2020-11-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
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:
On XX/XX/2020 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

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 2020-11-19
Company: DISCOVER BANK
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have redlined areas in the attached XX/XX/XXXX and XX/XX/XXXX correspondence from Discover. In the XX/XX/XXXX letter, Discover advised you were advised concerning your requests for call transcripts and bank account information from your XX/XX/XXXX, CFPB correspondence, that we will not be providing this requested information. This protects Discover to make the following statements below. 
Also in the letter, Discover claims the returned payments to be valid. This is a false statement. They were not valid payments since I did not approve nor make payments. In the XX/XX/XXXX letter, Discover claims due to your financial institution advising they were unable to locate the bank account ending XXXX. These are also false statements. This was not my financial institution. 
Discover is making false statements in line with their refusal to supply the bank account information and transcripts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Contacted the company regarding my credit and they sent me this letter voluntarily. Sent it to all 3 credit bureaus and they sent back letter stating verified/updated when i want the account removed as per letter they stated they would dismiss. I called Credit bureau and was told they reached out to company and was told account was acurate and they werent removing 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 2020-09-03
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Their investigation did not fix an error on your report

Complaint:
Collections ( Portfolio Recovery ) reporting incorrect DOFD to keep on credit report, over 8 years old and have not made a payment within 8 years. I have asked for proof of original opening date and date of last payment ( they will not provide ). My attempts to dispute through credit bureau and collections are futile. This debt is so old, greater than 7.5 years. I would greatly appreciate any help in removing this old debt from my current reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: EQUIFAX, INC.
State: NV
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:
These are not my accounts, name on file, addresses, nor did I authorize these companies to pull my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: BARCLAYS BANK DELAWARE
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:
On XX/XX/20 I tried to purchase something online, but the website said the transaction failed. However, a charge for that amount showed up on my credit card under a different business name. I quickly realized I had given my card number to a fraudulent website. I tried to cancel my card within 10 minutes of making the purchase, but the credit card company had no service available to answer my call until XX/XX/20 ( which is ridiculous, but whatever ) so I couldn't cancel my card immediately. The best I could do was put my card on hold, which I did immediately. I called the credit card company again on XX/XX/20, but was put on hold for over an hour. I called the credit card company again an hour later, finally spoke to someone after another half hour, and was told that they refused to do anything about the fraudulent 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 2019-08-19
Company: NCC Business Services, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This apartment complex is trying to collect money from me when I never lived there, never signed anything and never even been to this place. Its reporting negatively on my credit report and ive never associated with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: SYNCHRONY FINANCIAL
State: AR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I ( consumer for Synchrony Financial ) DBA XXXX XXXX feel I have been a victim of unfair credit practices. I noticed my credit has taken a hit when the Financial Company has decreased my credit limit causing utilization to be way above what it should be. As having said so, I was never made aware of my limit decreasing at random, otherwise would have tried to find a way to pay more toward the account to take a less effect on my credit. Ive contacted Synchrony Financial, XXXX XXXX STATES the bureau decides the changes need to be made. I as a consumer know that this information is false and many times calling into synchrony financial getting misled. This needs to be fixed as illegal practices can not be resumed, as this is very damaging to consumers whom never received notices about changes in terms of the original agreement.

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: ClearPath Lending
State: WI
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I opted out of receiving prescreened offers to refinance my mortgage immediately after I got it in XX/XX/2019. Multiple companies continued to send me their offers, however most stopped after I contacted them directly and told them to stop. Clear Path Lending has continued to send me promotional material, including 2 letters in one day today, despite multiple attempts to make them stop.

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 2021-04-29
Company: EQUIFAX, INC.
State: IN
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/2021 I sent a letter regarding inaccurate and unknown things on my credit report. It has been well over 60 days and I have not received a response yet.I feel like I am being blatantly ignored by the bureau. Section 611 ( a ) of the FCRA says that a failure to investigate these items within 30 days is a sufficient reason to remove to immediately remove those items from my credit report. It has been well over 60 days so they should be deleted immediately. I demand that these accounts be deleted or I will file for litigation due to the emotional stress you have caused. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16
Company: JPMORGAN CHASE & CO.
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:
My name is XXXX XXXX XXXX. 
I am writing to complain on XX/XX/XXXX for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XXXX/2020 XX/XX/2020 XXXX/XXXX/2020 ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP OF WHEN XXXX  RECEIVED THE LETTER.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: SYNCHRONY FINANCIAL
State: CA
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 have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

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 2021-02-25
Company: Paypal Holdings, Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for weeks but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''

Company response to consumer: Closed with explanation