BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-05
Company: EQUIFAX, 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:
EQUIFAX, XXXX  AND XXXX  HAS SOME ITEMS ON MY CREDIT REPORT. THAT ARE INACCURATE/NOTMINE/FRAUD. THAT THEY REFUSED TO REMOVE OR DELETE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX TRANSUNION XXXX XXXX XXXX I have no idea when and how I was enrolled apparently to a program offerd for a charge of XXXX per month. I had no idea how I was put on this program. I called transunion at XXXX XXXX XXXX XXXX that is on my credit card statement. They did credit me for 3 months. And I want credit from XX/XX/XXXX to XX/XX/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 monetary relief
Consumer complaint received 2017-09-14
Company: EQUIFAX, INC.
State: AR
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:
I would like to file and official complaint towards Equifax in lieu of the recent personal data leak.Equifax was responsible for personal identiy information due to blatant negligence to protect that information via proper security measures like encryption and etc. For a company with so much power and personal data on all of us, they sure did take it lightly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-09
Company: NAVY FEDERAL CREDIT UNION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I disputed several transactions as unauthorized but the bank refused to refund overdraft fees associated with those transactions

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
This Debt was paid by auto insurance and Gap insurance 4years ago.

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 2022-08-11
Company: CREDIT WORLD SERVICES, INC.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX CREDIT REPORT COLLECTION ACCOUNT : CREDIT WORLD SERVICE XXXX {$110.00} XXXX XXXX XXXX, KS XXXX THIS IS MY 2ND ATTEMP AN DISPUTING THIS ACCOUNT, I NEVER RECEIVED A THE PROPER NOTICE/ LETTER FROM CREDIT WORLD SERVICE COLLECTION AGENCY.THIS ACCORDING TO " THE CARES ACT '' THEY ARE NOT TO REPORTING TO COLLECTION AGENCY WITHOUT PROPER NOTICE. ALSO ACCORDING TO THE CFPB MUST ISSUE EMERGENCY GUIDANCE ON DEBT COLLECTION DURING THE PANDEMIC " REQUIRE NOTICE BEFORE CREDIT REPORTING '' COLLECTORS SHOULD PROVIDE CONSUMERS WITH NOTICE ABOUT ALLEGED DEBTS BEFORE " PARKING '' THEM ON A CONSUMER 'S CREDIT REPORT. THIS WAS DURING THE " PANDEMIC '' I LOST MY JOB DOING THAT TIME

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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  and Transunion collect to report accounts on my credit report that are and has been reported as identity theft through FTC. Inquiries as well.

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 2019-04-17
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX, Citibank responded to my complaint that I filed with CFPB under complaint # XXXX. The company responded with the following : " A letter will be sent to the customer advising that the inquiries dated XX/XX/XXXX were changed to non-display inquiries. We explained that non-display inquiries are viewable to her but not to other creditors. '' Citibank never sent me a letter and this company never changed the two inquiries from hard to soft inquiries. Creditors can still view these inquiries.

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 2023-08-04
Company: Capio Partners, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Urgent Complaint : Cease Harassment and Remove Inaccurate Entry To the ones who love to harass me when I am taking care of my elderly mother, I am writing to formally address a highly distressing and persistent matter regarding the actions of Capio Partners. The relentless harassing phone calls, occurring at inconvenient times, have reached an intolerable level of annoyance. 

These calls, both in the early mornings and nearly at XXXX XXXX every day, have disrupted my daily life and caused substantial distress. The repeated demands for someone named XXXX XXXX, and the refusal to identify the caller, add to the aggravation. I have consistently conveyed that I am not XXXX XXXX, yet the calls persist. 

I want to assert, in no uncertain terms, that I do not owe Capio Partners any money. This assertion is grounded in the fact that I maintain appropriate medical insurance and diligently fulfill my medical bills. I have explicitly requested Capio Partners to substantiate their claims by providing the original agreements and pertinent documentation, but their response has been evasive and unhelpful. 

The culmination of this harassment, unsubstantiated claims, and unresponsiveness is adversely impacting my credit score and financial standing. This state of affairs is wholly unacceptable.

Resolution and Immediate Action Required : 1. **Cease Harassment** : I demand an immediate cessation of all harassing phone calls, ensuring that my privacy and peace are respected. 

2. **Inaccurate Entry Removal** : I request that the collection entry and delinquency attributed to me be promptly and permanently removed from all my credit reports. This erroneous entry is harming my creditworthiness and must be rectified. 

XXXX. **Cease All Communication** : I assert my rights under relevant legislation to be free from further communication from Capio Partners XXXX Any future contact will be considered a violation, and appropriate legal measures will be taken. 

I am deeply frustrated by the ordeal I have been subjected to, and I strongly urge Capio Partners to acknowledge the gravity of this situation. My intention is not to merely voice discontent but to secure tangible and necessary resolutions. 

Failure to take immediate action to address my concerns will leave me with no option but to escalate this matter further, which I genuinely hope can be avoided. 

Please ensure that this complaint is treated with the urgency and seriousness it deserves. I expect a swift resolution and your commitment to restoring my credit reports and financial well-being. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-17
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
After filing complaint XXXX, i was contacted by a Capital One representative who was very polite and said " she called to help resolve my concern. '' I explained the reason for the complaint was to change the report to " closed '' and settle the debt in full. I explained my rationale for their reporting the account " closed/charged off '' monthly as punitive only to continue damaging my credit with no valid interest in recovering the money. The complaint was filed after several attempts to resolve this with Capital One unsuccessfully. It was my understanding they had agreed to this when we entered into the payment plan provided by a government sponsored consolidation company. The payments were automatically paid monthly and never late. 

I requested to pay the remaining balances in full if they were willing to change the status to " closed '' and remove the " charged off. '' The representative acknowledged this was a reasonable request and she would get back to me soon. This was two weeks ago and today, i discovered they changed the status from " closed/charged off '' to " In collections/charged off '' and now added a remark of " Charged off as bad debt Canceled by credit grantor '' in an attempt to further damage my credit. This is predatory and beyond punitive. They reported to CFPD still investigating and never contacted me again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: RSVP Lending, LLC dba RSVP Loans
State: WI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I contacted RSVP Loans to see why they were calling me 2 to three times a day everyday I wanted them to lower the payment they refused to work with me then continued with a lecture I hung up. They continued to call me everyday so I sent them a cease and desist order which they still are violating through e mails which I am saving they are sending them every other day. I've warned them of the violation they just don't get it .Its a shame a company wont work with the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Santander is the worst company I've experienced as far as fraudulent reporting, incorrect information and refusal to fix it. There are many inaccuracies from this acct and it's reporting. 

They stated assistance for covid affected individuals was available in the form of deferred balances of missed or late payments and would not report the corresponding payments and balances as late or anything else negatively effecting credit, this did not happen. I have multiple lates reported ( some of which where the original ppayments supposedly forgiven for covid were still made on time and with full payment ) that are incorrect, I have a much higher balance reporting than correct, they have materially hurt my abilities to qualify as a mortgage loan originator because of the massive negative effect this has had on my credit. 

Not only is Santander leaving out my positive payment history for all of XXXX and XXXX, through opening of the loan in XXXX of XXXX all the way through XX/XX/XXXX are not reported despite on time payments. This is also clear from balance reporting. The balance is VERY incorrect, somehow I've made almost 36 payments and my balance had not gone down, the dispute lowered the balance but not nearly by as much as has been paid down. 

Santander has a few options to resolve this to avoid further action including but not limited to legal action for incorrect reporting, fraudulent balance reporting, incorrectly reporting late data, and once notified of desire to refinance removing multiple on time payments from history as well as increasing the balance on the report clearly intentionally getting in the way of refi or anything I could do they will, lower the balance to the correct amount and include a portion for the damages real and emotional that resulted in inability to refi car loan to a lower more manageable rate, the neg effect on my report preventing me from making more money at my job because of licensing, and the neg effect of not being able to open a credit acct during emergencies where I had suffered with no food and to remove all late payments and CORRECTLY show no missed/late payments throughout the whole loan not just refusing to even show data as they have done during XXXX while all payments were made ( which I'm sure is part of the balance issue ) so lowering the balance by a min of $ XXXX as it should be reported anyhow and a credit of $ XXXX on the balance. 

Option 2, send a credit in the form of a wire or eft to bank acct of my choice which I will inform of after review is complete and Santander decides which option to go with. 

Option 3, forgive the whole balance and correct the late payments. 

Any of these options is considered acceptable for myself.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-17
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: Personal information incorrect

Complaint:
XX/XX/XXXX - First contacted Equifax to update phone number and they gave me a reference number saying it was done. 

XX/XX/XXXX - Informed by a major bank of no phone number for them to contact me for an application I had submitted. Held up an application and unnecessarily caused a processing delay. 

XX/XX/XXXX - Confirmed phone number was updated through a different financial institution - however credit score adversely impacted, as yet another " hard pull '' had to be done in order to process this additional consumer application.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
During the summer of 2018 I filled out an application for an XXXX XXXX ( Bank of America ) Credit Card while on an XXXX XXXX flight in XXXX Alaska. I turned the application into an XXXX XXXX representative ( flight attendant ) then waited several weeks, but never received either a card or a denial of the application. 

In the fall of 2018 I applied again for an XXXX XXXX ( B of A ) CC. In a matter of weeks I received a card in the mail, activated it, and began using it for travel purposes. 

In XXXX, and several times since then, while I have been away from home working in remote locations in Alaska, my wife has paid my CC bills. I just recently noticed she had paid an annual fee and accrued interest charges on an XXXX XXXX ( B of A ) CC I have never received, activated or used.

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 2019-11-18
Company: Kriya Capital, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I requested the debt be validated with signature and complete account information and they they sent me a statement with only the amount without original contract, signature, or account information. They did not respond to any of the items or information in which I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
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'm filling this report because, I check my credit and notice so many fraudulent Activity on my credit it seem like whoever stolen my Identity was out of control. they was running my credit with so many different major Companies. I would like to put a fraud alert on my Credit. these Accounts that's on this report I did not authorize these Accounts needs to be off my credit. 
thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: National Credit Systems,Inc.
State: NC
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:
After taking a look at my credit report and seeing accounts that I did not recognize, ( XX/XX/XXXX ) I sent a validation letter requesting for documentation that shows I owe National Credit Systems for the accounts listed on my credit report or to have the items removed entirely from my credit report as it is inaccurate and untrue ( received XXXX ). Evidence concluding such was included in that validation letter. 

( XX/XX/XXXX ) I received a response from National Credit Systems that said that I have not provided enough information to validate or correct their records when I thought it was me who requested validation from them. Included within that letter, they have provided me with a lease contract between a former landlord and I. No information or documentation that shows that I have done any business with them and it is listed inaccurately on both of my credit reports. When I have requested them to be removed from all credit reports within 30 days, and a copy of the deletion with 5 days of the change. The last updates to the accounts were XX/XX/XXXX and I have yet to receive any notice of correction or deletion. 

National Credit Systems has not only failed to delete the invalid and unverifiable information from my account within the 30 days of complaint receipt ( XX/XX/XXXX ), but they also are continuing to submit information that they know to be incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: Home Loan Center, Inc.
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Ma'am or sir I can not explain to you for the third time what has happened or what companies I am being discriminated against because I have social security XXXX income I also have HUD which is urban and Housing Development I'm trying to get custody of my granddaughter and I'm trying to move I'm trying to get a automobile financed I'm trying every company I think that is on the internet and the last 2 months so all you have to do is look at every single company I was given the wrong advice by XXXX XXXX   and by XXXX XXXX XXXX telling me to keep trying and fill out as many at the patient 's you can a day. Well that has given me about a XXXX XXXX trees no one has approved me and if they have texted me and said you're pre-approved to me that's unprofessional and scares me. I have been scammed by the US Treasury Department supposably and XXXX XXXX guy called I mean you could have of won an Emmy because he was so believable I actually tried to open up a bank account and download the mobile app so that he could transfer XXXX now when I say it or voice text it in this I just want to XXXX XXXX XXXX XXXX XXXX like this is caused me to have major major major insecurity issues about my XXXX it has caused me to be XXXX years old and have nothing and no chance I feel like I have no chance I don't even want to respond to the pre-approved things because just the other night I was pre-approved for that XXXX XXXX and I paid a {$39.00} down payment which honestly I don't know why they approved me and then I got a email two minutes later saying that that {$39.00} was non-refundable and that they can not approve me because I got a card from them or was trying to get a card from them in the last 30 days which makes no sense why did they send me an email and tell me to fill out their application! People are discriminating against me because I have social security income. I'm also trying to claim my granddaughter and I'm having problems because someone in the family snuck and claimed her without the mother 's consent I have the mother 's consent and I have mail so that would have given me a large bank account which I could have paid back any loan right then and there nobody wanted to prove me for a XXXX not even XXXX. I am going to take this as far as I can go I'm going to get a lawyer and I'm going to do something about this it is nothing but discrimination I pay {$150.00} a month in rent what else do they expect a person to have. And if I find out it's from the XXXX increase I'm going to sue every single company that looked at my report and then denied me for no freaking reason discrimination, discrimination, discrimination

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17
Company: Capital For Change, Inc.
State: CT
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:
CHIF or Capital for Change is reporting incorrect information to XXXX credit bureau I have tried for months to get it corrected and am being told that info is updated but credit bureau says they are not receiving corrected info from company. First of all they had a problem which caused them not to update info for several months. Then when they finally updated info the balance was incorrect. They keep telling me they are sending correct info to bureau but bureau says when they send the info it is updated immediately. Last update was on XX/XX/2019. My balance shows {$16000.00} now but I only owe {$15000.00}. Several disputes filed to no avail. DEPT OF BANKING told me to file a complaint with you after being at a standstill with CHIF. Credit Bureau says they can not accept my statements showing correct info has to come from company via electronic transfer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-09
Company: Midwest Recovery Systems
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Debt Collector is a third party asset buyer. They are not the real party in interest to this debt. I did not receive and benefit from this debt collector involving this debt. I do not a contract with this debt collector to collect this debt. I do not have a duty to pay this debt collector for this debt.

Company response to consumer: Closed with explanation