BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-10
Company: National Credit Systems,Inc.
State: SC
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 recently been working on repairing my credit and have a collection account on my credit report from National Credit Systems. The account was placed in collections with them on XX/XX/XXXX via XXXX XXXX XXXX. The amount of the alleged debt is {$1400.00} While I do n't agree with the amount, I do know that I left owing a low balance. I had sent a certified letter to have this debt verified and validated and it was received by all three major credit bureaus between XX/XX/XXXX and XX/XX/XXXX but never received validation of the debt. I sent a settlement offer letter via certified mail and it was received by XXXX XXXX on XX/XX/XXXX. As of today, I have not received a response. This derogatory mark is being reported to all three major credit bureaus and is hurting my credit score and is preventing me from securing an apartment for my children and myself. I am asking that this be researched and that they be removed from my credit report, do not contact me in regards to the debt, and that debt be considered as not owed by either former, current, of future parties as all of my attempts to resolve this issue have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I had a XXXX paycard from my work which is XXXX. Well one time in XX/XX/XXXX I had gotten a text stating that I won a phone and I just had to pay {$1.00} shipping. So XXXX me fell for it and this was the ONLY TIME I had ever put my card information in. As soon as I did that it cut me off the page and I couldn't find it again. I was nervous hoping I hadn't been scammed so I kept an eye out on my account. On XX/XX/XXXX XXXXXXXX XXXX  XXXX XXXX there was a purchase made for {$89.00} to an XXXX  and I had never heard of this place. I live in Tennessee and all of my transactions were made in Tennessee. Well this place said it was Arizona. I tried to look up place online which said it was a fitness place.So I talked to XXXX they opened up a case but said I made the purchase and I know I didn't. So they gave me the number to call the place which when they answered they said XXXX and they would transfer me to XXXX which here I went again XXXX me. Oh and XXXX said in their report it was a clothing store going out of business. Well when I was on the phone with supposed XXXX they kept asking if I had bank account, etc. So I hung up on them and tried to reopen case with XXXX which eventually I seen on the web that the XXXX was a scam site. Well I never got my money back because they said I made the purchase which I didn't. The only thing I could think of was when I put my information in for that {$1.00} shipping for the phone. So its XX/XX/XXXX and still no money back and XXXX  just quit talking to me and now I don't have that card anymore because XXXX sold to XXXX which different card for pay so I got a bank account. But ... XXXXcan u please get my money back to me because I know I didn't do this and I can't get them to believe me so I hope u can help... thank you!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Hello, On XX/XX/XXXX, at approximately XXXX XXXX Arizona time, I attempted to have a security freeze removed from my credit report. This freeze has been in place for a long time. We had been through a chapter XXXX bankruptcy in the mean time. The website could not verify my information. I called and was eventually transferred to a woman who spoke poorly, had a heavy accent and would not listen to any of my pleas for clarification. I was able to figure out ultimately online how to resolve this matter and she did provide enough sentence fragments to point me in a direction. Experian was dismissive and condescending. Could not wait to get me off the phone and would not answer my questions. When I asked to talk to someone else such a supervisor I was ignored and stonewalled. I do not understand how a company with so much control over my financial life can be so lazy when it comes to customer support. All I wanted was information on how to resolve this and what I got but a minimalist brushoff both insulting and vague. As a company, they have a responsibility to communicate how to resolve issues better. I fumbled around the website until I found the answer but I largely abandoned and dismissed by Experian.

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 2022-02-06
Company: SYNCHRONY FINANCIAL
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2022, I called synchrony bank to make a payment for my credit card. The payment was authorized & I received a confirmation number. A month later I received an update on my credit score indicating a significant decrease in my score. This is false i called in to make a payment.

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 2022-02-06
Company: Experian Information Solutions Inc.
State: AL
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 have had a fraud alert on my credit for the last 3 years or so. I have contacted all the bureaus to have it removed. XXXX and XXXX removed the alert with no problem. I have tried removing the alert from my credit for the last 6 months with experian and they will not remove it. I just tried on XX/XX/2022 again. I submitted my documentation electronically and still have not received a response. They do not give you a confirmation number or tracking number for your claim. I have tried calling multiple times with the various numbers they have but you can only communicate with the automated service. This is really frustrating. I have missed out on different credit cards and even refinancing my home. Please help 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 2022-02-06
Company: EQUIFAX, 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:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION XXXX MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 have submitted to successive disputes over the past 2 months requesting Transunion to update my credit report to reflect that an auto loan with XXXX XXXX XXXX XXXX be updated to show that account is settled and paid on full. On both disputes Transunion stated that their assessment of the account being open was correct. The account was closed on XXXX XXXXXXXX of 2021. Both XXXX and XXXX correctly reflect the account as settled and closed. I called the credit union [ ( XXXX ) XXXX ] to verify the account shows as closed and they have verified. Transunion refuses to contact the bank with my account information to verify after 2 months of submitting disputes to have my credit report updated. 

I have uploaded proof from XXXX XXXX XXXX XXXX showing the loan is paid in full.

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 2019-05-07
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: PR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
refer to a letter sent on XX/XX/XXXX. By this means to date only one letter was received that the analysis they made corresponded. Please send all the documents you used to send payments to the crim with the receipts that the property had debt. As you view the payment on the internet increases in XXXX. I tell you that they can not continue sending payments to the crim because according to their analysis and my payments I have a credit in the crim of a full contributory year. 
I need to send everything done to my crim account. Evidence of payment made to crim in XX/XX/XXXX and XX/XX/XXXX and all the complete evidences of the reason for which they sent payments to crim. Please verify my " escrow '' account carefully again and I will wait for answers no later than the 45 days by law that you have. That high payment would greatly affect my family 's financial situation. 
Claim for my " escrow '' account since according to your system there is an unpaid payment for the Crim. Attached evidence of payment for the semester of XX/XX/XXXX-XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is regarding the failure to properly investigate the tradeline reported by XXXX in accordance with the FCRA. 

Please see ALL attached documents and the facts below. 
FACTS : XXXX states that the account that they are reporting was created in XX/XX/XXXX. 

XXXX did not have a correct email address or phone number on the account for me but the account was in my name. I never knew the account existed. 

I rented the XXXX XXXX XXXX XXXX XXXX out to tenants in XX/XX/XXXX- XX/XX/XXXX. 

My residence address on my driver 's license did not change in XXXX of XXXX. XXXX did not obtain a copy of my drivers license from me. 

The address change on my driver 's license took place 17 months after an account was created with XXXX. This still does not validate the account ever being authorized. 

The facts are XXXX does not have any copies of identifying information to verify that I authorized an account with them and the biggest red flag is the amount of research that they seem to do on the back end but little to no research when creating an account. It does seem that XXXX should utilize their research up front to avoid unauthorized accounts being created.

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 2019-05-07
Company: U.S. BANCORP
State: CA
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:
Although my issue was not completely identifiable, there was a period during these last few months where there was money available in my account but my card was declined. I believe this is because I was a XXXX above my credit limit but my biggest problem is that I have paid all my payments on time for two years and during these last few months was denied half of my credit limit. Though I paid off the card before the due date, I was only given {$150.00} at a time. I used {$150.00} or less, paid it off and was still only given {$150.00} although I have a {$300.00} dollar limit. My banker tried telling me that wasn't possible but this is exactly what was happening. Once I stopped using the card for a few weeks, I was not given the other {$150.00} that I had already paid off, but instead charged a full {$300.00}, {$150.00} of which I had not used and already paid off. I should not have to pay a bill involving money that I did not use. 

I can not give you exact dates, but I was charged this XXXX somewhere between XXXX XXXX and my statement balance is XXXX as of XX/XX/XXXX. Note this is a secured credit card. 

At the end of XXXX, I roughly paid off the XXXX amount. From XXXX XXXX, I paid all charges that were continually given to me for a total of {$300.00}. I was given back {$150.00} again, used a majority of the amount, then stopped using the card for a few weeks and was charged {$300.00}.

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 2018-01-03
Company: EQUIFAX, INC.
State: OH
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:
Last summer sometime around XX/XX/XXXX-XX/XX/XXXX I began monitoring my credit reort and disputing accounts that were n't mine due to my identity being compromised/stolen and having no knowledge of the accounts on my report. 
I disputed the accounts with EQUIFAX and the disputed accounts were XXXX XXXX XXXX for {$260.00} and {$200.00}. XXXX XXXX Solutions for double charges {$500.00}, {$500.00}, {$340.00}, {$340.00}, {$180.00}, {$180.00}. XXXX XXXX XXXX for {$140.00}, {$130.00}, {$15.00}. XXXX XXXX for {$65.00}, {$65.00}. XXXX XXXX {$68.00}, {$68.00}. 
It took me a while to notice due to just XXXX XXXX XXXX XX/XX/XXXX and not checking my report for a while but in XX/XX/XXXX I noticed these accounts were reinserted onto my credit reports without any documentation supporting accuracy for re-inserting the negative credit items or any notifications from the creditors nor the bereau but I have letters published on the dispute website from Equifax that these accounts were deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06
Company: DISCOVER BANK
State: MS
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 was a victim of Identity Theft and have filed reports. XXXX XXXX and XXXX XXXX threatened to kidnap my XXXX child and forced me to give them my credit card information, logins, etc. I filed FTC report and Police Report. XXXX, XXXX, and XXXX XXXX wrote off the debt but discover has charged it off to me and sent me a 1099 C for cancelled debt. Discover wrote off $ XXXX in debit and over $ XXXX in interest. I sent discover letters in XXXX and XX/XX/2019 that this is identity theft and they continue. I should not have the tax burden of protected charges under identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06
Company: Bread Financial Holdings, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XXXX XXXX I made a minimum payment of XXXX. My balance left owed was XXXX. I paid again on XXXX XXXX for XXXX. This credit is not showing and I was charged XXXX. Then you received the first collection call today XXXX XXXX. To inform me that I had incurred another late fee of XXXX. I have paid it in its entirety and requested the account closed. I did not make a payment this month because the one I made the end of XXXX should have paid the balance in full. And the late fees compounding and no notice at all until today.I have also been locked out now from all accounts to do with XXXX that is the card I am referring to.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
on XX/XX/XXXX my husband and daughter traded in her XXXX XXXX to XXXX XXXX dealership. On XXXX XXXX XXXX XXXX sent a payoff check to XXXX XXXX to pay the loan in full for the trade in. To this date, XX/XX/XXXX, this loan has still not been paid off! This has resulted in late charges, extra interest accrual as well as HARMFUL credit reporting on my husband and my daughter and has already affected both of their credit scores. I have called both XXXX XXXX and XXXX XXXX multiple times. I even went to XXXX  XXXX and they did show me copies of the XXXX XXXX  and the check that was sent to XXXX. XXXX  was very rude and unhelpful and kept collection calls coming in. I asked them to notate their system MULTIPLE times and all they kept telling me was to keep making the payments if I did not want out credit affected. I did not have the money for that and also did not feel that was right to us as customers. XXXX XXXX called me in XXXX, I do not recall the exact date and told me the car was in jeopardy of being repossessed. I have explained to them over and over that we did not have the car any longer. I called XXXX XXXX today and was told they had to stop payment on the original check and send a new one which should have been rec'd yesterday by XXXX. I do realize it was the holidays and things are slow but this is my husband and daughter's credit and also a lot of stress on us and on my marriage. I feel XXXX is totally incompetent and keeps losing these checks this loan will never get paid off. I also do not have trust in them to correct our credit if and when this loan is ever paid off! From the last statement rec'd on XX/XX/XXXX they were asking for XXXX and had as at 3 months due. My daughter was never late on her car payment not one time the whole 2 years she owned this car! she is XXXX and had a credit score of XXXX before all of this nonsense! she has now been alerted by XXXX XXXX that her score has dropped. I want these people to be held accountable for all they have put us through! we should not be punished for buying a new car.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06
Company: Experian Information Solutions Inc.
State: NY
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:
ON MY REPORT IT SHOWS XXXX XXXX AND XXXX XXXX/XX/XX/XXXXAND XX/XX/2017 AS LATE PAYMENTS THATS ABSURD FIX THIS ISSUE RIGHT XXXX NOW... I HAD A MEDICAL EMERGENCY OF WHICH I CALLED AND EXPLAINED THAT I HAD BEEN THE VICTIM OF A XXXX CRIME THAT PUT ME IN A MEDICAL HARDSHIP IN HOSPITAL ETC AND REP TOLD ME SHE WOULD FREEZE MY PAYMENTS TO GIVE ME TIME TO HEAL NAD GO BACK TO WORK ETC. AND IN ADDITION I DIDNT EVEN MISS ANY PAYMENTS BECAUSE I WAS ABLE TO SEND SOMENE TO POST OFFICE FROM HOSPITAL AND MAILED THE MONEY ... AND MY PAYMENTS WERE IN FACT MAILED NOT PAID VIA ELECTRONICALLY BECAUSE I DID THEEM THRU XXXX AT MY BANK. THESE SHOULD NOT SHOW LATE IT WAS ONTIME AND NEEDS TO BE FIXED ASAP MY CREDIT IS EXTREMELY IMPORTANT TO ME AND I WORK HARD TO ENSURE THAT MY INFO IS CORRECT AND ONTIME ALL THE TIME. PLEASE REMOVE THESE NEGATIVES AS I AM DILIGIENTLY INVOLVED WIHT MY CREDIT THIS IS ERROR ON YOUR PART AND NOT MINE AND IS RUINNING MY GOALS. MY PAYMENTS HAVE NEVER BEEN LATE AND THIS NEEDS CORRECTED NOW

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 2019-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX and Transunion are reporting incorrectly that I am 30 days past due on the XXXX - partial account number XXXX****. ( Please see the pages attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2022-10-04
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, 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 XXXXXXXX Has violated my rights. 15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C.1681 Section 604A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

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 2017-07-26
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
In XX/XX/XXXX I was contacted by phone from XXXX XXXX XXXX in regard to help with my student loans. I thought it was a legitimate agency but found out through a call from another agency that what we were attempting was possible through XXXX without payment to a third party. When I informed XXXX that I was no longer interested in their services they said I still owed a fee of over six hundred dollars because " they worked on my file ''. I thought I had already filed a complaint online but it must not have gone through because when I called today ( due to wanting to check the status of my complaint and received more correspondence from XXXX ) the lady I spoke to could not find any information for me. I received a notice recently from XXXX that says Attorney Placement Pending for {$99.00} and balance due of {$590.00}.

Company response to consumer: Closed with explanation