BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-02
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I started writing letters to EXPERIAN, XXXX, AND XXXX ON XX/XX/2018. Informing them that I see inaccuracies on my credit file from these accounts listed on my credit report. XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, And XXXX XXXX Account # XXXX. I pointed out all the inaccuracies that these accounts were reporting on my credit file. And informed them it was grounds for removal off my credit report. Instead they updated and verified the accounts on my credit report. So after I received that information. I contacted the lenders myself. On XX/XX/2018 I wrote them requesting a debt validation letter for these bills which they say I owe. They sent back an itemized bill from XXXX XXXX on XX/XX/2018 ACCOUNT # XXXX, XXXX XXXX on XX/XX/2018 ACCOUNT # XXXX, XXXX XXXX XXXX XXXX   ACCOUNT # XXXX which is NOT validating the debts. They could not produce a validation bearing my signature. Per FCRA, I requested a debt validation bearing my signature to prove I owe this debt, they have not been able to send this to me. Per the Federal laws, it is my right to validate any debt from a collection agency. I request these accounts be removed with any and all of the credit reporting agencies ASAP.

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 2020-01-30
Company: ENCORE CAPITAL GROUP INC.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This company has been calling continuously for a while. I asked for proof of debt. I also asked them not to call and only communicate in writing. I sent a letter to the company on XX/XX/2020. The letter was received on XX/XX/2020. They have continued to call. The people sound foreign and have asked about various names. This is very suspicious and sounds like a scam.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-30
Company: Experian Information Solutions Inc.
State: KY
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:
XXXX XXXX XXXX sis reporting incorrect information to the credit bureaus, currently reporting late payments on an account that is in collections, and has no payment agreement in place. Therefore, misrepresenting my relationship with them, and causing harm to my financial situation. 

Collections accounts are not allowed to have a history of late payments! I do not have a payment agreement in place with this company. Please delete this grossly incorrect and damaging reports from my credit reports. A collection is by default, derogatory, this goes without say. Please delete this 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 2020-01-30
Company: JPMORGAN CHASE & CO.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have an active credit card with Chase. I contacted them in XX/XX/2019 to pay off my outstanding balance in full. I paid them exactly what they told me, and was told my balance was at {$0.00}. I have not used the card since. In XX/XX/2019, I was  dumbfounded to see that Chase was reporting a {$13.00} balance, and that it was past due. This is impossible, as I have not used the card since I paid it off in full. I immediately called Chase to inform them of their error. The representative that I spoke to took the {$13.00} charge off of my account, and told me that they would correct my credit report. As of today, the account now reports in good standing again, and the balance correctly reports a {$0.00} balance. However, they kept the XX/XX/XXXXlate payment on my credit report. This false delinquency they reported has dropped my credit score at least 50 points, but they don't seem to care. I have even disputed this XX/XX/XXXXlate with XXXX, XXXX, and XXXX XXXX ; but Chase is telling the credit agencies that my account was late in XX/XX/XXXX, when it actually was not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-30
Company: EOS Holdings, Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/2018 Account type Collection Department / Agency / Attorney Balance Loan Amount {$550.00} {$550.00} Payment Info Original loan amount {$550.00} Balance {$550.00} Updated on XX/XX/2018 Contact XXXX XXXX XXXX XXXX, MAXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have three accounts from Pheonix Financial services for {$770.00}, {$190.00} and {$150.00} ; all originally credited from XXXX XXXX 's XXXX. 


The account, along with the other two associated accounts, should've been closed a year ago on account of insurance paying the account in full. The fact that these collections are still on my record, after discussing with an agent that the accounts were closed, shows the fraudulent behavior of these accounts and the company administering them that is unless this is a mistake that has yet to be resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30
Company: Experian Information Solutions 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:
There is a XXXX XXXX auto auto finance loan showing on my credit report it does show a XXXX  balance but shows as a collection charge off account paid after dispute this information is not true the account was never late and paid off with XXXX balance I have disputed however credit bureau responds as verified but doesnt update payment history or status

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 2020-01-30
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/2019 Account type Collection Department / Agency / Attorney Balance Loan Amount {$1000.00} {$1000.00} Payment Info Original loan amount {$1000.00} Balance {$1000.00} Updated on XX/XX/2019 Contact XXXX XXXX XXXX XXXX XXXX, MDXXXX ( 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 2017-08-01
Company: Conn's, Inc.
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
In XXXX, 2015, I purchased items from Conn 's. My credit report indicates that the original amount owed was {$2300.00} ( current balance is {$1500.00} ). From the beginning, the contract was deceptive. Unbeknownst to me, Conn 's added fees for furniture protection. I never authorized this and when I addressed it with the company after finding it on my contract, they stated that it 's a fee that is automatically added and that they do n't have to inform the customer - WRONG! I told the rep that I had Renter 's Insurance that covered all items in the home. I was told a refund would be issued and after also complaining about this to the store manager where I purchased my items, he informed me that he would also issue a refund for the inconvenience. To this day, I am still waiting.
In the meantime, I became very ill and treatments took up my time and income. I fell behind on my payments and Conn 's called relentlessly multiple times per day, from different phone numbers, calling me and my husband. When a rep finally reached my husband, she was abusive and threatening. She said she would sue us for not paying the bill and further indicated that we had no right to keep the furniture if we ca n't pay for it. At that point, we were absolutely done with Conn 's and we told them to come and pick up all of the items and credit our account. This was several months ago, and we are still waiting for someone to pick up the items.
In the meantime, Conn 's Charged Off this account and sent it to collections. This has further damaged my credit. Collections are now pursuing me and I have given them the same scenario, as I am giving you. This company is fraudulent and in violation of the UDAAP and FDCPA. The Texas Attorney General has lodged a lawsuit against this company and consumer complaints continue to mount. I am on the verge of filing a lawsuit myself, if this is not rectified accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30
Company: EQUIFAX, INC.
State: NC
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:
There is a XXXX XXXX XXXX XXXX account on my credit report showing a payment history of charged off the account was never late and paid in full I have proof from XXXX  XXXX but after several attempts the bureau continues to report negative payment history and incorrect information

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Company: BlueChip Financial
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Hello, I took an {$800.00} advance loan on XX/XX/2017. I've been paying {$140.00} every 2 weeks - and thus far have paid back {$1300.00}. This is a lot more than I owe. When I log in to my account on their website, it provides me with no information about when my loan is done or how much I still owe, etc ... I've paid what I owe and don't want to pay anymore. 

Thanks 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 2020-08-25
Company: Experian Information Solutions Inc.
State: TX
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:
FCRA and FTC ISSUES Unauthorized credit inquires - XX/XX/XXXX and XX/XX/2020 ... credit inquiries without my written approval - XX/XX/XXXX ... XXXX XXXX XXXX  XXXX   XXXX. Only authorized XXXX XXXX of XXXX, TX

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 2020-08-25
Company: HYUNDAI CAPITAL AMERICA
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Kia Motor Finance sent a repo truck at XXXX XXXX  who knocked on our door and woke everyone up. When we refused to allow him in the garage he threatened to call the police to make us. He sat parked at the end of our driveway for almost 4 hours.

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 2020-01-30
Company: Experian Information Solutions Inc.
State: KY
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:
This company is reporting a Collection account on my report, that does not have the correct status, not correct history. They claim that I called into their offices to claim the debt as mine, which is wholly incorrect, and I demand to see proof. I also asked for proof of the debt that they claimed that I owed to be sent to me, via disputing with the credit bureaus. They ignored my request, and nothing has ever been sent. 

My account with the utility company has been paid in full, directly to the utility company, and is currently in good standing. This collection company has no dealing with me, no contract, and no promise to pay. I have never had a contract with them, and they have no right to report incomplete account information on my report. 

I am now requesting that they send me a complete and detailed report of their claimed right to report negative information to the credit bureaus about me. 


Fair Debt Collection Practices Act, 15 USC 1692g If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.

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 2020-08-25
Company: Experian Information Solutions 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:
I AM A VICTIM OF IDENTY THEFT. SOMEONE STOLE MY INFORMATION. PLEASE INVESTIGATE THESE FRAUDULENT ACCOUNTS AND REMOVE THEM FROM MY CREDIT REPORT.

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 2020-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I AM A VICTIM OF IDENTY THEFT. SOMEONE STOLE MY INFORMATION. PLEASE INVESTIGATE THESE FRAUDULENT ACCOUNTS AND REMOVE THEM FROM MY CREDIT REPORT.

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 2020-01-30
Company: MoneyLion Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
Ok I got a XXXX XXXX XXXX from money lion XXXX XXXX XXXX XXXX  and for the first few months it went great but then they had a glitch in there system that made it impossible to transfer money into my money lion checking acount I called and they informed me that they knew about it and would be resolved within a few days they took payment out of my buisness acount for that month and then the following month they still had not repaired the transfers into checking accounts preventing me from transferring the money into the proper acount well this kept going on month after month until I finally just told them to take the money out of my investment acount to pay the loan back and in all this time they were still charging me a membership fee that I told them I would not pay if I couldnt use the perks of the membership then they reported that to my credit report and reporting that my payment was XXXX dollars when it reall was not it was XXXX dollars a month for XXXX  months and I was making more then that payment every month usually twice the loan payment because I was trying to build my credit in the end I have got it taking care of but now they tell me it my responsible to have it removed from my credit report and i disputed it with XXXX  and they found it to. Be a valid claim even though if you actuall look at my filebuoubcan clearly see what in saying is fact

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: EQUIFAX, INC.
State: AZ
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 XX/XX/2020, I sent a letter to a company shown on all three of my accounts as " XXXX XXXX ''. ( Since that time, oddly enough, both Equifax and XXXX  have changed the name on the account to " XXXX XXXX '' who I believe is the original Creditor. ) I copied Equifax, XXXX, and XXXX  in this letter. I requested verification and validation of this debt. I sent this letter to all of the above parties via USPS, as well as email. I have not heard one word from XXXX XXXX or XXXX XXXX since that time nor have I been sent any documentation that would prove this debt belongs to me. That has not however stopped any of the three agencies from listing this item on my credit account. 

On XX/XX/2020, I received my Dispute Results from XXXX  who verified the information as accurate. In my credit reports from XXXX XXXX and Equifax, these accounts were listed under " XXXX XXXX '' and on both credit reports, the account was said to be verified as of XX/XX/2020, the date of both reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: U.S. BANCORP
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
Usbank fraudulently declined my loan. 
I have audio recording from my conversation with us bank. 
They admit they declined my loan because the yrequired additional information from me. 
However, they never reached out to acquire any additional information, They used this to falsely decline my loan. They lied several times about contact my for information which they did not. Phone records prove this. 
Additionally, there fraudulent behavior has impacted my credit score, as they did a hard credit pull priuor to fraudulently declining my loan. This has lowered my credit scored and negatively impacted me. UsBank has committed a clear case of fraud, and they refuse to remove the hard credit pull.

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 2021-05-23
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Home Depot has worked with the Federal Gov't or other law enforcement to engage in an inappropriate investigation into our home. This also involves XXXX. They set up a XXXX XXXX account under my husband 's old number XXXX. I'm having issues with XXXX above my head every time I go outside. Home Depot shows my IP address as XXXX XXXX, CA. This aligns to court signed documents, etc. This is also an XXXX issue. They are involved with XXXX XXXX. I live in XXXX at XXXX and they are trying to pin crimes on me! Home Depot never put my balance on the promotional rate offered after spending over {$290.00} on my last purchase. They changed my paper statements to e-bills so I would miss my bill and they put me in collections. This is so crazy! They don't acknowledge or investigate anything! Citibank COSTCO card is the same way with the zip code being in XXXX XXXX and the fraud too!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On the XXXX XX/XX/2020 I received an email from Citibank stating that I was eligible for a promotion which was exclusively available for Citi / AAdvantage cardholders. The terms and conditions of the promotion begin : The following Terms and Conditions apply to the bonus offer associated with new account opening of the Citi Miles Ahead package. If you are an Eligible Customer and complete Required Activities which include opening a Citi Miles Ahead Savings account in the Citi Miles Ahead package as first signer, deposit New-to-Citibank funds into your On Deposit Balance within 30 days, and maintain that On Deposit Balance for 60 consecutive calendar days, you can earn up to XXXX AAdvantage bonus miles : On XXXX XX/XX/2020 I opened an account and deposited {$10000.00}. I maintained this balance until XXXX XX/XX/2020 when I withdrew the money. This was 77 days meaning that I met the above terms and conditions requiring that I maintain the balance for 60 days. I called up a couple of months later to inquire why I had not received the XXXX promotional miles and was informed I must wait 90 days to be credited with the miles, but the representative confirmed I was eligible and would receive the miles. 

On XXXX XXXX I called Citibank as I still hadn't received the promotional miles. I was provided with a reference number ( XXXX ). On XXXX XXXX I received a response from Citibank saying that the terms and conditions require you to maintain the balance for 90 days, and that I failed to do so and therefore was not eligible for the promotion. This is incorrect, as the terms and conditions in the promotional email stated 60 days. 

On XXXX XXXX I called Citibank and explained the issue to a representative who told me " We've reviewed this and sent you a letter, there is nothing you can do ''.

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