BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-07
Company: EQUIFAX, INC.
State: AL
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 have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-09
Company: EQUIFAX, INC.
State: TX
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:
On equifax website its showing a credit score from XXXX/2021 when I sign in it states call equifax with code XXXX Ive called equifax 4x and this matter has not been resolved. They said they submitted a ticket months ago yet nothing have not been done I called to speak to supervisor representative hung up on me. Now Im filing a complaint if Im to review my report at least show accurate information. The report is showing a credit score from 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29
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:
this world today is really loosing it, it crazy how people live their life like this hurting other by using personal information to open up credit cards, i would really like to know who is doing these things so i could press chargers, i would like these chargers off of my name because it is affecting my credit!

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 2020-05-26
Company: Rozlin Financial Group, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
They continue to submit to the reporting bureaus every other month or so with false information. My debt started in XXXX of 2015, they keep submitting that the debt was just opened and it subtracts 15 or so points off of my Credit Score every time.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: WELLS FARGO & COMPANY
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I XXXX XXXX received a pre approval for a personal line of credit at Wells Fargo XXXX XXXX XXXX XXXX, pa XXXX the bank would not disclose my pre approval and did not follow bank policy. I have great credit and just want fair treatment for the request made.

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: Ascend Consumer Finance, Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
My employer recently requested a background report for employment. I received an email yesterday ( XX/XX/2020 ) from a compliance company with a copy of the report giving your website to contact. On the report it specifically says that it is searching information from the past 7 years. Records thqaaat appear on the report are dated from more than 7 years ago, yet was flagged as a discrepancy and I recently lost my employment due to this. There is also minor items on the record that the dates are incorrect. I am a single mother and just recently received a promotion from my assignment and just finished my training for my new position when the Temp service terminated my employment. I would very much like to dispute the information on the report. If you could please provide me information on how to go about doing so, I would really appreciate it, I understand you receive a lot of complaints daily, but I would really appreciate the possibility of continuing with my employment assignment and promotion.

Company response to consumer: Untimely response
Consumer complaint received 2023-07-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Capitol one is reporting late payments on my credit report and i asked to be removed the account XXXX XXXX

In accordance with the fair credit reporting act Capitol one XXXX XXXX has violated my rigths.

15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A section 2. It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for our purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29
Company: Square Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
This is concerning my Cash App account. I have ( 2 ) transactions of " cash out '' one dating from XX/XX/XXXX for {$480.00} and the second one dating from {$200.00} on XX/XX/XXXX. When checking my bank account a few days ago I saw that these were never deposited into my bank account. I originally had a chase account listed and made deposits into them in the past. Now there is some mysterious bank account with a routing number XXXX and account number XXXX, which does not belong to me. How did this bank account get into to my cashapp account? After noticing this issue I checked my wife Cashapp account and her 's also list some mysterious bank account with the same routing number and account number XXXX. I contacted Cash App over two days ago and they have been unresponsive with basically copy and paste replies. They still have not addressed these issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX, Equifax and XXXX are reporting 4 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 3rd dispute letters to Equifax, XXXX and XXXXn since XXXX XXXX asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Didn't receive services that were advertised

Complaint:
yes i had already reported to experian that the adress i had given them was not my address at all, and that someone was using my information and i know this for a fact, i even submitted pictures of the residence who was tryna fraud me, they said they would fix it, i waited a very long time and they put the wrong address on the updated information they disputed for me, im very XXXX because these people already tried to open bank accounts and other XXXX in my name

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 2020-02-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Company : Capital One Spark Business Credit Card Dates : XX/XX/XXXX / XXXX XXXX charge Actions : Multiple calls since the following billing statement of the charge Capital One Response : XX/XX/XXXX - XXXX XXXX  credit to my account was denied. 

Description -- -- -- -- -- -- -- -- - Capital One has unfairly blurred the lines between their Business Spark Cash and Spark Miles card. As an example, when I visit the website for the Spark Cash Card ( https : //www.capitalone.com/small-business/credit-cards/spark-cash/ ) I scroll down to the link that says " See all card benefits. '' On the subsequent page, benefits are also shown for the Miles card, such as a " XXXX XXXX '' credit. This unexpected merging of features, that aren't included on both cards, should not be allowed. 

When clicking " See all card benefits '' for the Cash card, benefits for an entirely different card should not appear on the resulting page. This is EXTREMELY misleading and confusing to the consumer. 

Due to this misleading advertising, I was led to believe that my card included a XXXX XXXX credit. After signing up for XXXX XXXX and realizing I had not received a credit, I called Capital One only to be informed that my card did not include this feature ( so it was NOT part of the " all benefits '' that the website link claimed ). The manager agreed that the website was extremely confusing and submitted a claim for credit, but again the credit never appeared. I called in again, after the 1-2 billing cycles they said it might take for a credit, and they said my claim was denied. 

Capital One needs to clean up their misleading site and adjust their behavior when it's clear they are in the wrong. 
1 ) When clicking " See all benefits '' for a specific card, benefits for THAT CARD ONLY should appearnot a blend of cards.

2 ) They need to more clearly differentiate the " cash '' and " miles '' card. For instance, my plastic credit card doesn't say anywhere on the card which one I have, only " Spark. '' 3 ) When it's clear their design is causing consumer confusion ( something their manager openly admitted ), they should not be denying claims to remedy the subsequent mistakes ( such as my XXXX XXXX charge ) especially if they also are not changing their misleading advertising.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-19
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
On XXXX XXXX l sent a letter to Toyota Financial Services Administration respectfully requesting a lower monthly payment of $ XXXX {$390.00}. 

I have a Extreme Permanent  Financial Hardship and family Members also has a Financial hardship because of Coronavirus Pandemic issues. 
I am respectfully requesting that Toyota Financial Services make my auto loan more affordable as {$480.00} is to much for me to handle. 
I respectfully request that Toyota Financial Services accommodate me on my ADA XXXX  Civil Rights Act under Department of Justice. 
I like to keep the vehicle, and continue making timely monthly payments after XX/XX/2020 of payments between {$380.00} - {$390.00} a month. 
This what l can afford on auto loan. 
Coronavirus Pandemic issues has impacted many of my family and America Citizens and Military Veterans in America.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01
Company: CITIBANK, N.A.
State: OH
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 XXXX I realized that Citi Bank was charging 28 % on one of my credit cards with them. I immediately called customer service, I have been a member since XXXX never missed a payment until my husband died suddenly in XX/XX/XXXX. I called and explained the situation, they increased my APR at that time I did not realize it until XXXX. I called and did not get satisfaction, so I wrote a letter on XXXX to customer service, when I received my XXXX statement they had lowered my APR to 19 %. I called customer service again, asked about the change and to get a credit for the high interest charged and was told no. I paid off both credit cards on XXXX, they posted the payment to only one account, leaving a credit balance on one and a debit balance on the other. I call customer service again and was told it would take 7 days, it is now XXXX and I have yet to see the payment applied to the correct account, needless to say, this is being reflected on my credit report. Can you please assist?..

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 2018-03-01
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My student loan is XXXX I only borrowed XXXX navient just keeps giving me forbarences and deferments I have been a XXXX  in ny for 16 years and I should have had my loans forgiven. Navient never enrolled me in the program. I filed chapter XXXX bankrupcy in 2015 and navient has not removed the loan from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
Experian Credit B. is reporting unverified, derogatory information into my credit profile. Has failed to notify me or re adding an account after once deleted back into my credit report. Has dishonored my verbal telephone request for method of verification on XX/XX/21

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 2020-10-29
Company: National Credit Adjusters, LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
The below is the email I received. 
Final Notice Case File No : XXXX Personal NATIONAL CREDIT ADJUST XXXX XXXX XXXX ( 2 hours ago ) to me Dear : XXXX XXXX, We have given you every chance to resolve this matter outside the court house but you are not willing to resolve this matter. We will mark as a flat refusal on your account and take immediate action against you, we have repeatedly advised you of your long overdue balance in the amount of {$1200.00}. Since you have not made payment, we have turned your account over to our attorneys and instructed them to commence suit without further delay. There is still time, however, to avoid suit if you pay settlement amount today. This will be your final opportunity to resolve matters without the expense of court proceedings. 



At this time your case file has been marked as a primary suspect, so at this time if I send you something in a writing its defamation of character, as well as it was mentioned in the contract paper between you and the company that if a person is failing to repay loan in a stipulated time period, then the company is not able to send you any kind of written documentation, FDCPA rules and regulation under the section us law [ 15 USC 1692c ] 805 ( b ) you need to check it out or you can also ask for any federal attorney. 



3 Hard allegations have been pressed against your name and your all information. 



1. Violation of Federal Banking Regulation. 

2. Collateral Check Fraud. 

3. Theft by Deception. 



Financial and personal contact information are current per our skip trace. 

Personal information regarding this account obtained with a recent skip trace : Debtor : XXXX XXXX SSN : XXXX DOB : XX/XX/XXXX Drivers License : XXXX Bank name : XXXX Account number : XXXX Routing number : XXXX We are prepared to proceed with legal action. However, our company would prefer to give you one last opportunity to make payment and avoid legal action. 





If you take care of this out of court then we will release the clearance certificate and we will make sure that no one will contact you in future. 



Please let us know what your intention is by today itself so we can hold the case or else we will meet you in court house. 



Reply me back immediately with your final answer so we can be in a position whether to put hold on your case file or to proceed it inside the courthouse, Thank you, Sincerely, NATIONAL CREDIT ADJUSTER,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
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:
There is an account showing on mine and my husband 's report that is not correct. It's XXXX XXXX XXXX XXXX. We have disputed it with the bureaus and it still hasn't been resolved. They are showing the account charged off many years ago but has a balance of {$220.00} and a past due balance of {$1100.00} how in the world is that possible? There was no investigation otherwise this thing would be lined up.

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: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I told them to just send the balance to my credit report because I couldnt pay due to losing my job. I closed my account and everything. They continuously call all day and from different numbers.

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 2023-01-28
Company: CORELOGIC 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:
XXXX has compromised my credit rating by allowing negative information to remain in my credit pull profile.

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 2020-10-29
Company: MONEY SOURCE, INC., THE
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been on a COVID forbearance since XX/XX/XXXX due to me no longer working due to COVID. I received a letter from XXXX/The money source advising my escrow was short and demanded {$3000.00} because they paid out for homeowners insurance 3 times. I borrowed the funds and mailed the escrow payment in XXXX. The payment came in 2 checks with escrow deposit written all over it with the escrow coupon. XXXX/the money source held the checks for over 1 week before actually showing on the account. I called daily to find out what was going on because the money had already come out my account but they didn't post it until XX/XX/XXXX and did not it towards escrow as they should have. The posted the month as 2 payments because its behind which doesnt matter if Im requesting funds be placed back in my escrow that was paid out three time by you people. MY MONEY SHOULD BE PUT TOWARDS THE ESCROW AS REQUESTED. YOU DO NOT DETERMINED HOW FUNDS ARE APPLIED. MY LOAN IS OWED BY XXXX  XXXX AND NOTHING TATES I CANT PUT FUNDS TOWARDS ESCROW. THEY DEMANDED THESE FUNDS AND THEN TOOK IT AND APPLIED AS THEY WANTED TO. I AM IN A FORBEARANCE. The representative talk to me like I'm beneath them because im behind on my mortgage which is not due to any fault of my own. They do nothing to help but tell me Im past due. I feel so ashamed!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27
Company: JPMORGAN CHASE & CO.
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I disputed an illegal international charge with Chase Credit Card. Next thing I know they closed both of my Chase Cards and sent a letter advising me as to why. Inappropriate behavior by chase bank with no notification, no legitimate explanation and no credit card available for my use while traveling

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01
Company: Experian Information Solutions Inc.
State: PA
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:
XXXX XXXX has reported that my credit card is overdue and that I have missed two payments. They have sent this information and as a result my credit score has dropped significantly. I explained to XXXX that I am a member of the United States XXXX XXXX and that I was unable to make payments due to being away from home for extended amounts of time. Also I was not aware of the autopay feature when I applied for the card. I believe that XXXX took advantage of this and as a result my account went delinquent. I have never missed a previous payment and I am a loyal customer.

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 2018-07-19
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
This XXXX 's account # XXXX is Paid-in-Full and Closed. However, XXXX   CRA and Experian CRA continue to incorrectly report as Open.

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