BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-29
Company: EQUIFAX, INC.
State: MA
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:
Hello, i was looking through my credit report again couple of hours ago, and notice items that i been going back and forth with the 3 credit bureaus since XX/XX/2017 and they yet to get them resolved. I've called, mailed several letters and asked for update and they haven't updated those items. There are several accounts listed with multiple inaccuracies and it's a total violations to the state and federal laws. 

XXXX XXXX  Account # XXXX : =>I demand that these items be investigated and removed from my report. 
l XXXX Account # XXXX : =>I demand that these items be investigated and removed from my report. 
l XXXX XXXX XXXX Account # XXXX : =>I demand that these items be investigated and removed from my report. 
l XXXX XXXX XXXX Account # XXXX : =>I demand that these items be investigated and removed from my report. 
l XXXX/XXXX Account # XXXX ; =>I demand that these items be investigated and removed from my report. 
l XXXX XXXX XXXX XXXX Account # XXXX : =>I demand that these items be investigated and removed from my report. 
l XXXX XXXX XXXX Account # XXXX : =>I demand that these items be investigated and removed from my report. 
l XXXX/XXXX  Account # XXXX ; =>I demand that these items be investigated and removed from my report. 
l XXXX/XXXX XXXX Account # XXXX : =>I demand that these items be investigated and removed from my report. 
l XXXX/XXXX XXXX Account # XXXX : =>I demand that these items be investigated and removed from my report. 
l XXXX Account # XXXX ; =>I demand that these items be investigated and removed from my report. 
l XXXX XXXX Account # XXXX ; =>I demand that these items be investigated and removed from my report. 
l XXXX/XXXX Account # XXXX ; =>I demand that these items be investigated and removed from my report. 
l XXXX XXXX Account # XXXX ; =>I demand that these items be investigated and removed from my report. 
l XXXX XXXX Account # XXXX ; =>I demand that these items be investigated and removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: ERC
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
ERC, sent a letter about a XXXX XXXX XXXX  bill not paid, i received letter, then sent a check for {$700.00} in XX/XX/2021, now they are saying bill was never paid, i have proof of payment, I need this resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-02
Company: WLCC
State: NJ
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/2017 I applied for a loan on the website myfullwallet.com. It was not clear that it was a payday loan scam. The APR was between 400-700 %. For example, they would deposit small amounts into my account continuously through the past months and withdraw large amounts. ( Deposit XXXX, withdraw XXXX ). For every {$10.00} paid towards the principal they incur a fee of {$210.00}. The loan that I applied for was for $ 400-790 and they have charged me {$10000.00} in the past year and a half. 

My husband discovered this while reviewing our finances. I did not know they were continuously withdrawing large amounts of money every two weeks. I attempted to remove my bank accounts from the account but they refused and kept taking more money out. They claimed that they were going to write off the debt, but the following day they withdrew another XXXX . My husband disputed some of the charges from our bank and attempted to block them from withdrawing money but they keep taking money. There is a check they withdrew under my name with an illegitimate address that is for {$210.00}. 

Upon further investigation, my husband and daughter discovered that this kind of loan was illegal in the state of New Jersey. This company claims to operate under tribal laws that no state of US government jurisdictions can challenge. 

I went into my emails to find the loan document but it operates under the name XXXX/XXXX. These two companies along with myfullwallet are the same and are pay day loan scams. The document has an illegitimate e-signature that I did not sign. I did not realize this was happening and in no way did I consent to pay over 10000 for a XXXX loan.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-31
Company: Bread Financial Holdings, Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I applied for a charge card with XXXX 's. I received a letter in the mail indicating that my credit rating level was insufficient to receive a lower interest rating, therefore, my application for a credit card was rejected. It originally showed a high credit rating, then went down to XXXX. The reasons for the rejection were : Available credit on open revolving accounts were too low ; Newest delinquency/derogatory status on accounts is too recent ; No usable real estate accounts ; number of inquires was also a factor, but effect was not significant ; and ratio of accounts consistently paid on time to all accounts is too low. 

I owe NO one, own my home, have only 1 credit card that I haven't used for months, and if I did, I paid off immediately. I did receive a notice on my one charge card that I was delinquent in paying the balance. I did notified that company that I did not charge anything on that card from the source they should, they removed it from that charge card and reimbursed me and said it was an error. So, you can see, I have never ever had any problems with credit rating and I want this changed. I also will not pursue any account at Meijer 's for this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The credit bureaus are reporting erroneous information on my credit file

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
On XX/XX/2020. I sent out a letter to each of the three credit reporting agencies. In theses letters I disputed the validity of said accounts Today is  XXXX and the credit reporting agency has yet to respond back they havent even had the decency to update the accounts as under investigation. Ive sent out a 30-day demand letter because they are in violation of my consumer rights but the law under FCRA.

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 2021-03-29
Company: JPMORGAN CHASE & CO.
State: NH
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:
Chase wrongfully reported 30 day late fro XX/XX/XXXX. Payment on XX/XX/XXXX and posted on XXXX for the total of {$400.00} was paid for the amount due in XX/XX/XXXX {$200.00} and XX/XX/XXXX for {$200.00}. Chase DID NOT POST PYAMENTS CORRECTED AND AS REQUESTED. INSTEAD OF APPLYING THEM FOR 2 MONTHS THEY POSTED IT ALL FOR XXXX, AND NEVER CALLED EMAILED OR CONTACTED ME IN XXXX FOR THE PAYMENT THUS I ASSUED IT WAS ALL PROCESSED CORRECTLY. Later I can't to find out they reported a 30 day late damaging my credit for XX/XX/XXXX. I have been arguing with Chase trying to resolve this matter to no avail ... Please help correct this injustice. 
I spoke with XXXX in the CBSU on XX/XX/XXXX at XXXX ET - the call lasted 1 hour and 1 minute. The CBSU does not provide employee numbers or Last Names and said that the call date and call time in conjunction with my account number would be sufficient as the account notes are clearly documented.. I also spoke with XXXX in the CBSU this morning XX/XX/XXXX at XXXX ET for 28 minutes. This call was also recorded. I'm also attaching my bank statement which shows the XXXX payment being withdrawn from my account on XX/XX/XXXX. 

I would like to assert that the payment I was required to make on XX/XX/XXXX included both XXXX and XXXX 's payment for XXXX - and I would like Chase to prove ( or disprove ) that. I firmly believe that there is a bank error in the crediting of my payment and that I was clearly under the impression that my XX/XX/XXXX payment include the XX/XX/XXXX payment for XXXX and the XX/XX/XXXX payment for XXXX ( paid early ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-02
Company: Capstone Credit & Collection, LLC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not know this company nor did I ever enter into a contract with them. Through researching them on this website, I see that I am not the only victim this company has tried to collect a false debt from. 
They have also done the same to my wife and at the time XXXX-year-old son who was still in XXXX XXXX, again they never heard of them nor did they sign any contract with this company. 

XX/XX/XXXX ( 5 yrs, 6 mos ) {$3300.00} CAPSTONE CREDIT & COLLEC   XXXX XXXX XXXX, FL XXXX  ( XXXX  ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
After sending information to verify myself with my disputes, TransUnion has failed the to respond to my disputes within the 30-days time period per FCRA. The following item should be removed from my credit report. 

XXXX XXXX XXXX XXXX # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23
Company: SYNCHRONY FINANCIAL
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After reviewing current credit report I identified this account with Care Credit as a fraudulent account that is not mine.

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 2017-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have credit inquiries on my credit report that I did not authorize or I did not apply for anything, I am a XXXX woman who have a live in nurse that have probably tried to get things in my name I dont think it is fair for them to remain on my credit file for something I did not apply for or authorized for my credit file to be reviewed

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 2020-06-24
Company: Service Finance Holdings, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Two men came through the neighborhood selling solar panels. Wanting to lower our electricity bills and help the environment we agreed. The contract states 18 payments of {$100.00} and then after that term 240 payments of {$190.00}. The problem I have is that after looking at the not a bill statement they send out all the {$100.00} goes toward interest only. I immediately called Service Finance about all the money going toward just the interest and they said we agreed to this. Not what I recall! I said okay all upfront and then no interest after 18 months and they said no. You will continue to pay interest until the loan is paid off. I assumed it would be lower after the 18 months but no to that too. Yesterday I returned a missed call from them and I mentioned it again. The worker said it is in the contract. I looked at the contract today and it is not. I called Service Finance to ask where it is in the contract that says they will collect interest only for 18 months? The lady couldnt solve my problem and then put me on with a supervisor who said we dont break it down like that in the contract. I consider this fraud since they did not disclose that the first 18 payments would be interest only and they would continue to collect interest thereafter before we signed. We pay our debts. As I said that isnt the problem but we will not be able to pay this off anytime soon with the loan like this. I did try to move the loan but they will not refund the {$1800.00} in interest they have collected and whoever takes over the loan will also collect interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-02
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I was enrolled in a credit insurance program without my consent. When I contacted XXXX, their only advise was to contact the company directly because they were a 3rd party, XXXX XXXX XXXX XXXX. Mind you I never enrolled in this program and XXXX know how I was enrolled.

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 2019-02-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check at a Bank of America ATM on Wednesday, XX/XX/2019, at about XXXX XXXX  in XXXX, Massachusetts. I received an immediate notice that I would have a hold on the funds until XX/XX/2019. The check was from a Massachusetts company and drawn on XXXX XXXX  in Massachusetts. 

I spoke to Bank of America by phone on Thursday and they told me that the reason for the hold was " confidential '' and they could not tell the reason to me. I have no history of depositing check that are returned and have commonly deposited checks of similar amounts ( {$5000.00} ). The funds were withdrawn from XXXX XXXX   immediately. 

I have provided Bank of American with an email from the controller of the company that wrote the check with a copy of both sides of the check on Friday. But, Bank of America refuses to release the funds to me or tell me why they will not. I am avoiding depositing any checks or cash into this account as they may also receive a " secret '' hold order. Bank of America has put no other limits on the 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 non-monetary relief
Consumer complaint received 2018-06-07
Company: EQUIFAX, INC.
State: VA
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 several occassions, I have disputed a XXXX XXXX XXXX  / XXXX XXXX XXXX   account that was paid in full to the creditor on XX/XX/2018. I have sent the documentation that I received from XXXX  to Equifax and XXXX that the credit card was paid off and was reflecting a XXXX balance. The dispute continues to come back verified and the account still remains with a balance on my two credit report. I have contacted XXXX and they advised I contact the two credit bureaus ( Equifax and XXXX ) and have them call XXXX  with my authorization to verify the status and balance of the XXXX account. I have called Equifax and they refuse to call XXXX  and have let me know it is not a policy of theirs to do so. I am beyond frustrated and hate going around in circles. I am trying to obtain an updated credit report so that I may apply for a mortgage and this is preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: Experian Information Solutions Inc.
State: AR
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:
!!! Hello, My name is ***XXXX XXXX* . I have been trying to reach out several times to get my problem fixed and receipted no responses so far. There are some of wrong adresses and employment information that exist in my credit account for years. In addition to that there are also some derogatory information appear in my credit report that not belong to me or our business. Here are the addresses and employment information that need to be removed : ****************************************** _EMPLOYMENT INFO! PRIORITY EXPEDITE! XXXX XXXX +++++++++++++++++++++++++ _ADDRESSES REPORTED! XXXX XXXX XXXX XXXX, AR XXXX! XXXX XXXX XXXX XXXX XXXX, AR 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 2018-07-31
Company: Bread Financial Holdings, Inc.
State: CT
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:
Case # XXXX I received a response from the company stating that my payment was returned to my bank and the dispute was closed. They did not provide any documentation to show this and my bank has no record of the return. I had my bank on the phone to call them and received no answers other than they were going to reopen the dispute and would let me know. We are now over 2 1/2 months waiting for XXXX XXXX to locate my large payment and it seems we are back to square one. This companys practices need to be examined because they seem very confused and disorganized. They dont appear to be a company who should be handling peoples money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-02
Company: CITIBANK, N.A.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/XXXX during the financial crisis we left XXXX XXXX owing a balance to Citi Bank. We received notice and agreed to repay the amount of {$1100.00} in monthly installments. The last payment in XX/XX/XXXX of XXXX plus dollars. Last week I received a 1099C of discharged debt which I should file to the IRS. My problem is not with the debt but the bookkeeping First it was on their books as a debt then my payments should have been a collection. Next they carried it as an accounts receivable for 6 years Now they are charging it off as a loss. 
My account is a drop in the bucket. However, if you multiply this by maybe 200,000 customers the bucket is full. The books are cooked. How many people after 6 years and all the financial turmoil caused by these banks can prove out the repayment and if you do get an amended 1040C after a lot of trouble are they going to report the income. They remind me of XXXX XXXX. Charge a lot of people a little and you have millions. Please look into this. A copy is being sent to my senators office.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31
Company: SYNCHRONY FINANCIAL
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I went to XXXX, XXXX XXXX XXXX in XXXX, CA ( XX/XX/2017 ) and they charged me {$2200.00} including a tooth brush. They gave me a loan for that amount to be paid monthly with no interest. I returned the tooth brush the next day and requested to be offset against loan which has never happened as of yet. 

Care Credit, the loaner, have been billing me for minimum amounts of {$55.00} to {$67.00} per month and I've been regularly paying them. Now they have put a {$610.00} interest on loan and claiming I have 12 months without interest. Original loan balance is {$1400.00} I was billed incorrectly by care credit, monthly bills should have been XXXX of loan amount. 
I was never made aware of 1 year promotion, neither by clinic nor by care credit. 
I was never notified of upcoming interest charges in advance and prior to the time being due. 

Care Credit claimed minimum billing policy is not in accordance to loan but to keep the account going, so they do it intentionally to bait customers to pay interest after 12 months without any kind of notifications.

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 2017-12-07
Company: Santander Consumer USA Holdings Inc.
State: LA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/XXXX, I was in a car accident with my XX/XX/XXXX XXXX XXXX. I had insurance as well as gap insurance. In XX/XX/XXXX my personal insurance paid 5000 plus towards the loan and my gap insurance paid the remaining balance. I received a letter from Santander Consumer that my loan was satisfied and the lien was released from the title. I have enclosed a copy of the letter from Santander Consumer. I have contacted the company multiple times and was unsuccessful with getting them to remove the false information from my 3 credit reports.

Company response to consumer: Closed with non-monetary relief