BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-10
Company: EQUIFAX, INC.
State: TN
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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX  XXXX XXXX XXXX XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXXXXXX MD XXXX XXXX XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05
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: Personal information incorrect

Complaint:
I have contacted all 3 credit agencies informing them of inaccurate personal information such as names and addresses yet they have failed to remove them. Please delete all inaccurate wrong personal information contained in the letter attached.

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 2019-10-05
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:
This is my third letter to your company. I would like to address this issue of this inaccurate fraudulent account on my credit report. I followed your advice about contacting the creditor. I sent them a letter and asked them to investigate. As of today they still have not responded to me. I thought they had 30 days to investigate and fix the inaccurate account listed. I dont know who to believe here. I know that the law protects my rights. Since the creditor did not conduct their investigation, this account can no longer stay on my credit report. Please delete it right away. Im running out of patience and Im thinking about seeking legal advice on this matter and filing complaints if its not fixed. Not only that Iam a victim of identity theft and this account is a result of identity theft so that is the reason they are unable to provide proof!! This account is fraudulent and should be removed immediately.

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 2019-02-25
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/2019, my mortgage loan was sold to LoanCare A Service Link Company, from XXXX XXXX XXXX. 

My loan did not include a prepayment penalty, as I would not have agreed to that. ( attached ) My statements from XXXX XXXX XXXX stated " Prepayment Penalty-No '' and did so for the five months they  held my loan. ( attached ) When I received my first statement from LoanCare A Service Link Company, it stated " Prepayment Penalty-Yes ''. I called them on XX/XX/2019 to advise them of the error. I was advised it was probably a keying error and would be corrected within two working days and I would receive a phone call advising me as such. To date, this has not been corrected. I spoke with XXXX XXXX of the XXXX Office. Employee ID # XXXX. 

This is very concerning to me as I did not agree to this and I request this be corrected and done so in writing to 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 2019-10-05
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
Access # XXXX I have noticed an unauthorized written check from a company for {$3000.00} against my account. I contacted my credit union with good faith, I let them know that I have done business with the company that processed the unauthorized check however not for that amount and the actual amount that the check was for actually had never been cashed. The rep suggested maybe the check I had given was altered, I said perhaps, I wasnt sure. Come to find out after my own investigation looking at check numbers in my check book against the amount of checks authorized to be cashed against my account, i have a missing check. My credit union continues to deny my claim after I have given them proper paperwork and affidavits. I am constantly trying to appeal and I am never allowed to speak with a case worker as I have also been told several times someone will contact me and thats never the case. No one has ever called to verbally speak with me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have credit cards with several different banks and only have this problem with my Capital One credit cards ( two of mine and one of my wife ). It seems as though more half the time when I go to pay on the card, they claim they have a system problem and that I should try again another time. It happens so often that I think it is a device that might be in use to hope I forget to pay on time. I do eventually get to make my payment online but it is irritating to have to so consistently try multiple times. Could you check this out? Thanks. ( I have been diligent on the retries and have not been penalized. This is a FYI effort )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: Experian Information Solutions Inc.
State: MD
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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I noticed that Trans Union was charging my XXXX  XXXX credit card XXXX on XX/XX/2021 and XX/XX/2021 for services that I never would have authorized. I did download a free credit report in early XXXX but never would have agreed to that service. 

I called XXXX XXXX and got a refund for those charges and had the service blocked. They told me that they have had similar complaints recently. 

I would appreciate it if you would investigate and let me know what you find, including a history of other similar complaints. 

Thank you for your time. 

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 2019-07-31
Company: EQUIFAX, INC.
State: MA
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:
On or about XX/XX/2019 I submitted a dispute with EQUIFAX about a report of being 120 days late on a payment to DEPT. OF ED/XXXX. I never had any dealings with XXXX. I am unable to contact or address my report that they say is complete. They say I have a 100 % payment history but still have this on their credit report. XXXX   and XXXX have resolved this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
The information on early warning is inaccurate and invalidated should be removed immediately. 
Bank of America XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - 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 explanation
Consumer complaint received 2021-03-10
Company: I.C. System, Inc.
State: TN
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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX I.C. SYSTEM, INC ( Original Creditor : XXXX XXXX OF XXXX ) XXXX ... XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ... XXXX & XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

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 2021-08-20
Company: Kimball, Tirey & St. John LLP
State: CA
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:
sharing my personal information without my consent and reporting inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: Experian Information Solutions 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:
XXXX account disputed several times with no outcome of being from Experian credit report even with all documentation provided XXXX letter stated they no longer manage my account and XXXX XXXX took over account ; however when I contacted XXXX XXXX in XX/XX/2022 they stated my account or name is not in their data base and sure why XXXX would have me reach out to them. This dispute has been going on for XXXX  months with no resolution. 
In addition this account was never part of bankruptcy due to being dismissed/cancelled which means it never occurred.

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 2017-07-13
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
XX/XX/XXXX, 2017, I was approved for an Auto Loan through my financial institution ( XXXX ). After researching vehicles, I test drove a XXXX XXXX XXXX-I liked the vehicle. To give my choice consideration, an hour or two after the test drive I went back to XXXX XXXX XXXX XXXX, XXXX IL, XXXX ( ( XXXX ) XXXX ) : to begin negotiations. <P/>I settled on a price. After a drawn out process with the salesman, I was then taken to the Finance Manager ( XXXX XXXX ) who was inappropriate and unprofessional insulting XXXX and my loyalty to them. I rejected all offers for other financing options and refused to sign the loan application he had prepared befor I sat down indicating " I had to sign it! '' I DID NOT sign nor authorize XXXX XXXX or any other auto dealer to run or prepare a loan application on my behalf. XX/XX/XXXX, 2017 I received a rejection letter from XXXX XXXX regarding a loan I had applied for. Loan application # XXXX. I called XXXX XXXX but they would not give me any information other than the car dealership name regarding this issue. I was told to contact the dealer. <P/>I am sure you can understand for the safety of myself and my family ; with regard the mechanical readiness of the purchased vehicle I refuse to do so. <P/>Furthermore, I also received a credit card for an AUTO purchase with a line of {$7500.00} XXXX dollars. This offer I discovered is from a XXXX XXXX. Some how this is associated with XXXX XXXX or the value extended to this organization. <P/>I have been the victim of TAX fraud in the past ; both my banks in the past week have upgraded and increased my security measures regarding my accounts : this is an indication my information is being compromised. <P/>Please I implore you to look into this on my behalf. <P/>Your interest is greatly appreciated. -- -- - Respectfully XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
XX/XX/XXXX, I was approved for an Auto Loan through my financial institution ( XXXX ). After researching vehicles, I test drove a XXXX XXXX XXXX-I liked the vehicle. To give my choice consideration, an hour or two after the test drive I went back to XXXX XXXX XXXX XXXX, XXXX IL, XXXX ( ( XXXX ) XXXX ) : to begin negotiations. <P/>I settled on a price. After a drawn out process with the salesman, I was then taken to the Finance Manager ( XXXX XXXX ) who was inappropriate and unprofessional insulting XXXX and my loyalty to them. I rejected all offers for other financing options and refused to sign the loan application he had prepared befor I sat down indicating " I had to sign it! '' I DID NOT sign nor authorize XXXX XXXX or any other auto dealer to run or prepare a loan application on my behalf. XX/XX/XXXX I received a rejection letter from XXXX XXXX regarding a loan I had applied for. Loan application # XXXX. I called XXXX XXXX but they would not give me any information other than the car dealership name regarding this issue. I was told to contact the dealer. <P/>I am sure you can understand for the safety of myself and my family ; with regard the mechanical readiness of the purchased vehicle I refuse to do so. <P/>Furthermore, I also received a credit card for an AUTO purchase with a line of {$7500.00} XXXX dollars. This offer I discovered is from a XXXX XXXX. Some how this is associated with XXXX XXXX or the value extended to this organization. <P/>I have been the victim of TAX fraud in the past ; both my banks in the past week have upgraded and increased my security measures regarding my accounts : this is an indication my information is being compromised. <P/>Please I implore you to look into this on my behalf. <P/>Your interest is greatly appreciated. -- -- - 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 2022-02-11
Company: EQUIFAX, 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:
I sent in multiple letters last XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
received a letter from synchrony bank regarding a XXXX visa card account, dated XX/XX/XXXX notifying me about a recent address change on the account that was opened by me. I called customer service department about account. they wanted info about me and I was not comfortable giving personal information to them.as I did not open a account online as they stated. And I want it closed as of 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 non-monetary relief
Consumer complaint received 2017-07-13
Company: STERLING JEWELERS, INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Kay Jewelers Credit Card has been calling me multiple times per day from multiple phone numbers during a time which I have repeatedly asked them not to call me. I have requested them not to call me before   XXXX   XXXX   and they call me multiple times per day multiple times in an hour before  XXXX . Today I spoke with someone at around     XXXX   XXXX   and made arrangements to make a payment on the account and received another call not even  5  minutes after hanging up. They called 5 times on  XXXX  from  5  different phone numbers  (   XXXX ,  XXXX ,  XXXX ,  XXXX  and  XXXX  ) at the following times :   XXXX   XXXX  ,     XXXX   XXXX  .,   XXXX   XXXX  ,   XXXX   XXXX   and   XXXX   XXXX   They called 4 times on  XXXX  from  4  different numbers (  XXXX ,  XXXX ,  XXXX  and  XXXX  ) at the following times :  XXXX  ,    XXXX   XXXX  ,   XXXX   XXXX  ,  XX/XX/XXXX  ). And today they called from  XXXX  different number s (   XXXX ,  XXXX  and  XXXX  ) at the following times :   XXXX   XXXX  ,     XXXX   XXXX  ,   XXXX   XXXX   ). This is just the list from the last 3 days. They have been doing this for over a week and this is harassment. This is the second time I have filed a complaint with consumerfinance.gov regarding this company and the same issue.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: T.S. Holdings
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In dealing with XXXX collection company i have had difficulty getting any proof of debt whatsoever. When i was first called they claimed i broke a lease early and owed {$2200.00}. 

On XX/XX/2020 i sent a debt validation letter asking them to provide the documentation XXXX XX/XX/2020 I sent an email with a copy of my notice to terminate the month to month tenancy well be fore the 60days provided in the lease. 

Iq data Int reported a collection account to XXXX XXXX  today without providing any validity of a debt. They even failed to check the box that the account is disputed as required by XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: Sequium Asset Solutions, LLC
State: PA
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 filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation