BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-28
Company: EQUIFAX, 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:
Upon reviewing my credit file, incorrect information were found in my reports. The XXXX, XXXX, and Equifax Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX : 1. XXXX XXXX Balance Owed : {$250.00} 2. XXXX XXXX Balance Owed : {$260.00} 3. XXXX XXXX Balance Owed : {$370.00} 4. XXXX XXXX Balance Owed : {$170.00} 5. XXXX XXXX XXXX XXXX Balance Owed : {$20000.00} 6. XXXX XXXX* Balance Owed : {$0.00} 7. XXXX XXXX* Balance Owed : {$0.00} 8. XXXX XXXX  XXXX Balance Owed : {$0.00} 9. XXXX XXXX* Balance Owed : {$0.00} 10. XXXX XXXX Balance Owed : {$0.00} 11. XXXX XXXX XXXXXXXX XXXX* Balance Owed : {$6500.00} 12. XXXX XXXX* Balance Owed : {$0.00} XXXX : 1. XXXX XXXX Balance Owed : {$130.00} 2. XXXX XXXX Balance Owed : {$240.00} 3. XXXX XXXX Balance Owed : {$370.00} 4. XXXX XXXX Balance Owed : {$170.00} 5. XXXX XXXX XXXX XXXX Balance Owed : {$20000.00} 6. XXXX XXXX  XXXX Balance Owed : {$0.00} 7. XXXX XXXX Balance Owed : {$0.00} Equifax 1. XXXX XXXX Balance Owed : {$250.00} 2. XXXX XXXX Balance Owed : {$260.00} 3. XXXX XXXX Balance Owed : {$170.00} 4. XXXX XXXX XXXX XXXX Balance Owed : {$20000.00} 5. XXXX XXXX Balance Owed : {$0.00} 6. XXXX XXXX Balance Owed : {$0.00} 7. XXXX XXXX  XXXX Balance Owed : {$0.00} 8. XXXX XXXX Balance Owed : {$0.00} 9. XXXX XXXX* Balance Owed : {$0.00} 10. XXXX XXXX  XXXX XXXX Balance Owed : {$6500.00} 11. XXXX XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
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 HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND AN ENTRY IDENTIFIED AS INQUIRY THAT WAS PLACED ON MY CREDIT FILE WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRY HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT FILE. I HAVE NO IDEA HOW THESE NEGATIVE ACCOUNTS AND INQUIRY GOT ON MY CREDIT FILE. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. ALMOST EVERYTHING IS AT A STANDSTILL BECAUSE OF THIS. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THESE ACCOUNTS AND INQUIRY AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. KEEP IN MIND THAT THE ACCOUNTS AND INQUIRY DOES NOT BELONG TO ME AND DOES NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18
Company: EQUIFAX, 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:
An account was opened with the creditor on XX/XX/2019 and an amount of {$7600.00} was used fraudulently by whomever opened the account. I am a victim of Identity Theft and I have supplied the CRA ( credit reporting agency ), creditor, and law enforcement all relevant information, and yet, XXXX XXXX XXXX has failed to thoroughly investigate, and remove me from liability. They are in contempt of FDCPA guidelines and continue to fail to adhere to proper ethical banking standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: American Credit Acceptance, LLC
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:
On XX/XX/2020 my bill did not go through AMERICAN CREDIT ACCEPTANCE - account with 1 missed payment. I am kindly requesting AMERICAN CREDIT ACCEPTANCE to remove this missed payment from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: Hewitt-Capital
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX from Hewitt Capital " pre-legal '' division has called my cell phone, work phone and my parent 's cell phone numerous times to supposedly collect a debt and deliver time sensitive papers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
My total Care Credit loan was for XXXX My promotional period was no interest for 18 months I paid more than than my monthly due to pay the loan off well my remaining balance was XXXX I recieve a bill for XXXX they charged me 26.99 % for the entire loan amount not the remaining balance!!

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 2018-03-02
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I had open an account at Santander in regards for a line of credits for my small business, that I was advise from a lady name 's XXXX that work for Santander branch in XXXX ma. Following that my had set up a contract with paycheck for HR services that was paid to my XXXX XXXX XXXX for some reason service never being done and paycheck had been using the money that I had open the account on XX/XX/2017 which I had never received no invoice from them, and I found out that through another bank that I was trying to open a business account for credit line they told me that I can not open it because I had a red flag on my name. I hat went to Santander branch in XXXX ma which they give a number to call, when I call that number they asked me to pay them {$200.00} for them to help me. I find that unfair and I am asking for your help please.

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 2020-10-18
Company: CITIBANK, N.A.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I have opened Citibank checking and savings accounts in XXXX, 2020 on the Citibank advertised promise to pay me {$700.00} bonus, if I keep {$50000.00} for 60 consecutive calendar days. I have fulfilled this condition. However, after the 60 days my both accounts were closed by Citibank initiative. When Citibank had warned me that my accounts going to be closed. I have contacted their customer service and have asked them not to do this. I have told to the customer service that I did not made any transactions on the accounts except the initial deposits and did nothing else, and so do not assume that anything wrong was done on my side. I was promised by the customer service representative that my accounts not going to be closed if I do some other transaction. I was also told that the promised bonus of {$700.00} will be paid to me in XX/XX/2020. I have made the additional deposit ( s ) to my accounts. Still my accounts were closed and I didn't receive the promised bonus. I have contacted the Citibank customer service for the explanation of my fault, but no explanation was given and the address to make a written complaint was as well refused. I have saved my Citibank online chats with their customer service representatives and attach them here. BTW, the Citibank continue to advertise the same bonus ( https : //banking.citi.com/cbol/checking-700/default.htm ).

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 2020-05-29
Company: CONTRACT CALLERS INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XX/XX/2020 I noticed an alleged debt reporting on my credit reports for an Electric bill ( XXXX XXXX XXXX XXXX ). On XX/XX/2020 I sent Contract callers Inc., a request for validation as allowed under the Fair Debt Collection Practices Act ( FDCPA ) and requested for validation including a request for an assignment under the California Rosenthal Fair Debt Collection Practices Act ( Ca Civil Code 1788.13 ( l ) ) which prohibits " Any communication by a licensed collection agency to a debtor demanding money unless the claim is actually assigned to the collection agency. '' Contract Callers Inc. has not responded to my request and continues it's collection efforts without validation or verification of the alleged debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: SLM CORPORATION
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
My mother and I have reached out to Sallie Mae several times with no help. My loans were taken out when my parents were married they are no longer my mother is the co signer and neither of us can afford the payments on these loans. We reached out to them and the only thing they said they can do is offer a forbearance for 6 months and charge me to do it. We are unable to refinance these loans because instead of the balance going down it continues to climb with some of the rates being over 12 % I borrowed a total of XXXX that has turned into XXXX with making payments for 6 years. I am desperate and need help and these lenders especially now are predatory and not helping at all. I also cant release my mother from being a cosigner so this is affecting her as well. Please Help they call at least 10 times a day from different numbers to collect something we dont have and have told them this cant even find my loan agreement on the website

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: Synovus Bank
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Getting a line of credit

Complaint:
Within the past few years to present day, I've opened multiple accounts with Credit Union such as Credit Cards, Personal Lines of Credit etc. Till this day none of the accounts that I opened with this bank hasn't been reported on my credit report. By this issue keep happening, my credit scores should be higher but their not. Its keeping me from purchasing a home that I deserve and work so hard to try to achieve but since accounts isn't reporting its but a damper on owning my dream home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have an open complaint XXXX. I read the companies feedback and I want to attach the actual loan amounts and dates from Navient that is located on my Federal Student Aid account. This is proof that I did deal with them and I received and made payments on those loans through Navient. I am attaching screen shots of my Federal Student Aid Page.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Equifax is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I bought two gifts cards from a store in XXXX. They were XXXX XXXX cards, and XXXX told me that the gift cards were fraudulent and already applied to another user 's account. They advised me to contact my bank. When I contacted Citibank ( Sears Mastercard department ) they initially processed the claim but then reverted the credit without providing me any information. Then over phone and secure messaging, I have been provided false information again and again, after several complaints, I received a letter which was stating that, the merchant doesn't accept returns on gift cards. My case was never about the returning the items, I provided them all of the information and email exchanges with XXXX. Now, either the people on the customer service has no idea what's going on or they only reply to my messages on average 10-15 days. Now, they claim it is too late to respond to the merchant.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
Company: EQUIFAX, INC.
State: NJ
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 sent out a letter on XX/XX/2020 disputing the negative item on my report. I still haven't received a response and it has been well over the 30 days given by the Fair credit reporting act for re-investigation. I sent out another certified letter on XX/XX/2020 because I wanted to know the progress of my investigation. It is now XX/XX/2020 and it is well over 60 days. This is a direct violation of my rights and action has to be taken so that the incorrect information on my report is removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: I.Q. DATA INTERNATIONAL, 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:
all ftc violations

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Hi, I'm a dad of XXXX. I have been working my XXXX off during this pandemc. I was always a stay away from credit guy but I have recently been more in tune with it because of current situation. As I look my report, I notice some fraud accounts and they aren't sitting well with me. I've sumbit the documetation to the federal and they tell me that I should follow up with the bureas of reporting. I saw that sectin 605 of law say that these accounts have to be remove from my report. I am not to good with computer so I did my best to upload my stuff.

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 2020-07-06
Company: Big Picture Loans, LLC
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
Back in XX/XX/2019, I was desperate for money so I took out a loan with Big Picture Loans for {$2000.00}. This is through a XXXX XXXX XXXX that charges extremely high-interest fees. Like over 346 % interest. I have made 13 payments of {$280.00} making a total of {$3700.00} so far. If payments were made to fulfill the loan it would total over {$7400.00} for a {$2000.00} Loan. This is crazy and I have found myself in a debt trap with no way out. These payments are deducted from my checking account every 2 weeks as I'm paid bi-weekly. I have already repaid them well over the principal amount borrowed and plan to block these automatic payments through my bank as I can't afford to continue being ripped off by this company. It was after desperation that I took this loan out in the first place and have since found out that these type loans are illegal in North Carolina.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: Trident Asset Management, L.L.C.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Trident asset Management says I owe them a balance of XXXX . However, I did not make this agreement with them. My identity was theft due to XXXX breach.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: EQUIFAX, INC.
State: NY
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 decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: Scott & Goldman, Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Law firm sent ( attached ) document to my home residence for a matter involving a company I was just a former employee of that owes them money. Listed my name and dba the company when I was only an employee. Called them directly, spoke to XXXX XXXX at XXXX. He said they will keep calling and will be suing me directly for the money owed even though I was only an employee and the only way to stop this was to 1. Get my former employer to pay them or 2. Get an attorney and sue them then they would reverse this. I told them they had no legal right to do this and he hung up on me. 

Repeated calls to my personal cell phone daily threatening legal action as well. I do not answer these but all of this is not only harassment, but knowingly and admittedly illegal as well.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I've sent several requests for dispute via certified mail and the results come back as verified and accurate but bo proof of this has been provided by the credit bureau. Per the law; the credit bureau has an obligation to provide me with the information they have that states this is item that is on my personal file actually and factual belongs to me and they have not done that.

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 2020-12-10
Company: VW Credit
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem extending the lease

Complaint:
I've extended my lease during COVID as I am on unemployment ( business has been closed since XXXX XXXX and it's coming due XX/XX/. I'd like to purchase the car but my bank doesn't do lease buy backs. I bank with XXXX XXXX. I asked VW Credit for another extension so I can buy time until my business can reopen and I can actually qualify for a loan as I will have income. VW Credit refused to give me an extension. So now I am forced to turn in my car I want to buy. I have paid on time with no issues. I need my car for when we reopen so I can work. Without my car I will not be able to work and reopen my business.

Company response to consumer: Closed with explanation