BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-23
Company: CITIBANK, N.A.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Due to COVID 19, my XXXX  and income took a drastic casualty. We were unable to pay on personal loans for the past three months. Because of this, we made the efforts to contact each of our lenders to arrange payments. Each of the lenders enrolled us into their programs to delay payments and reporting. 

However, two credit card companies have still reported missing payments. I followed up with each of the lenders, but they simply reply saying " Any credit issues should be dealt with by the credit bureaus. '' Both companies have acknowledged that their records show I am enrolled in the programs. 

The credit card companies are XXXX XXXX and Citibank. 

It is my honest assumptions that this is a system glitch. However, there could very well be something on my part that I did not do, primarily due to ignorance. This has never happened to me before! 

As my records will show, prior to COVID 19 I only had one missed payment in the last 9 years, which was my first credit card ever. 

It is my great hope and desire that my credit history and your grace will stand in the gap for me in this instance, because I am not sure what else to do. The past 4 years of my life I have maintained above a 680 credit score. In the last thee months it has dropped to almost a 500. 

In my best efforts to fix this matter, I have also taken the measure of seeking help to restore my credit. And growing in my education as much as possible.

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 2020-06-23
Company: EQUIFAX, INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I was on a vacation trip with family and lost my wallet on the ground at XXXX XXXX, and ever since then i have been dealing with fraudulent issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Have written to Transunion, XXXX and XXXX 3 times in regards to XXXX XXXX XXXX ( as well as several other issues on my credit report ). Transunion took over 2 months to reply. Have not received much communication from XXXX nor XXXX. IN regards to XXXX XXXX, above, this item was responsibility of EX Husband, as per divorce Decree, which was clearly stated and copies of court ordered Decree sent to all 3 credit reporting companies, above. ACCOUNT was HIS responsibility as he was fully responsible for my medical bills until final divorce, which was XX/XX/XXXX, ( proof attached ). This operation was preformed XX/XX/XXXX. i was not employed then, nor am I currently. I was unable to pay the bill, it was sent to ( ex ) husband, who said he paid, yet did not. I was unfairly sent to collection. I would request this be DELETED from my credit report as it is INACCURATE

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 2019-06-17
Company: RentDebt Automated Collections, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The settle amount on the judgement should be the only amount I owe. All the other fees they took as a loss, when we went to eviction court.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
Contacted experian about credit score not being updated for months, Ive been making payments on all account on time, and no recent negative posting from XXXX but my score doesnt change positively at all. Also submitted several dispute to remove negative information and statements on the report and keep showing same information. I have credit history for over 9 years but experian keep showing and saying on my report that I have a short credit history.

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 2019-06-17
Company: ALLY FINANCIAL INC.
State: NV
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
My husband soon to be ex husband ran out on my daughter and I leaving behind tons of Bill 's including a truck that he had to have XXXX sign for. He ran out on XXXX XXXX charges and left us assuming with nothing for to many addictions and now I haven't worked in 5 years and I have been searching for a job, but lack of HISTORY skills me. I wanted to trade in for lower he raised it and now is XXXX finance responsible after cheating having another baby and a bunch of other messes he will be having. Like the 2 domestic violence charges he will be facing. what can I 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 explanation
Consumer complaint received 2019-06-17
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XXXX XXXX XXXX XXXX, Comenity Bank - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX I used a in store credit card only once. I had a {$32.00} balance, I never got a statement so I incurred a {$27.00}. I called and got the late fee waived, and paid the balance in full. I just received a bill that stated I had a XXXX cent balance, and now I just got another bill that shows {$1.00} with a {$1.00} service fee. I tried to close the account but could not get anyone on the phone to help me. 
I am afraid they will just keep the account open to charge more fees. 

I want to close out the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-23
Company: ENOVA INTERNATIONAL, INC.
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I took a cash advance from this company in the amount of {$1700.00} on XX/XX/2020 and paid it back in full today, XX/XX/2020. I had the loan for 16 days and was charged over {$450.00} in interest which amounts to an APR of over 650 %. The APR I was quoted was 299 % which is bad enough. This company preys on individuals who find themselves in bad situations for whatever reason. Then, they charge more than twice the interest certainly that I was expecting. I dont see why these types of companies are even allowed to do business in this country.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
This is a complaint regarding Chase Bank and their trusted XXXX app. 
Any app that is used on the interface of our Bank we as consumers trust our bank to protect us and our funds. 
A transaction was made online ( XXXX ) via my bank account using the XXXX feature to send money ( a  total of {$100.00} ) for goods ( tickets to a show ) to a person with whom I would find was false and was a scammer ( XXXX XXXX ). 
After multiple phone calls to my bank and XXXX I am told I am at fault and the bank is not able to honor the request for the funds. I was told by one of the Claims specialists on ( XXXX ) I would receive the money back from XXXX in 10 business days only to find an email that denied the claim the next morning. 
The bank only offers an apology stating the customer claims agent spoke incorrectly and I would not be able to receive any money from the false transaction. 
I feel this is wrong. The Claims personnel should be held accountable to what was stated and recorded by the Bank. The Bank should NOT be able to advertise on my banking account an application for money sending that is NOT secure nor does it protect the bankees. 
As a courtesy, the bank should offer not only an apology, but money reimbursed for the issue. 
At this time no action can be taken by the bank. 
XXXX is looking into who was the scammer and will do their best to freeze any future transactions coming from the email associated with the seller/scammer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
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: Information belongs to someone else

Complaint:
I pulled my credit to myself for the first time and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from 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 2019-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
i have requested that Transunion send me written verification by properly investigation items that i disputed previously. they have failed to send me the contract bearing my signature which gives them the right to post information on my credit file. I disputed items with them several times and requested proof. 

after they sent a letter that they did an investigation I then requested the method of verification and they have failed to do so. they continue to send generic letters stating that they verified the information which is not true ... they did no investigation. they went to the furnishers and the furnisher that are paying them said to them that the information was verified. 

THEY HAVE NOT SENT ME WRITTEN VERIFICATION Section ( 609 ) of the Fair Credit Reporting Act is a Consumers Disclosure section which is to provide for the protection of consumers against false and erroneous reporting. This section of the FCRA places the burden upon the Credit Bureaus and the Creditor to prove an account is yours. To positively prove an account is yours, the creditor must provide the Credit Bureau a copy of the original creditors documentation ( whatever a person filled out and signed upon opening the account with the reporting creditor ).

The FCRA was enacted by Congress to protect consumers from unverifiable accounts and information from being reported on your credit report. Example : If you filed a suit against someone and you showed up in court with no proof against that person, what would the judge do throw the case out of court! Without documentation. 

They are being paid to post items without any written verification and that is against the law.

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 2018-10-30
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:
XXXX has been provided a police report indicating that i was a victim of identity theft. They refuse to remove the following disputed items that do not belong to me because they are fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX has been provided a police report indicating that i was a victim of identity theft. They refuse to remove the following disputed items that do not belong to me because they are fraudulent.

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 2019-06-17
Company: Experian Information Solutions Inc.
State: AZ
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:
Have written to XXXX, XXXX and Experian 3 times in regards to XXXX XXXX XXXX XXXX ( as well as several other issues on my credit report ). XXXX took over 2 months to reply. Have not received much communication from XXXX nor Experian. IN regards to XXXX XXXX XXXX, above, this item was responsibility of EX Husband, as per divorce Decree, which was clearly stated and copies of court ordered Decree sent to all 3 credit reporting companies, above. ACCOUNT was HIS responsibility as he was fully responsible for my debts until final divorce, which was XX/XX/XXXX, ( proof attached ). I was unfairly sent to collection since I was not employed nor am I currently working. This account was sent to collection about spring of XXXX and Divorce was XX/XX/XXXX, which means it was responsibility of ( ex ) husband. ACCOUNT WAS CLOSED XXXX. I would request this be DELETED from my credit report as it is INACCURATE

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 2019-05-18
Company: ALLY FINANCIAL INC.
State: MO
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 am trying to get a XXXX  with 0 % interest but the auto dealers who are middle men between me and finance companies try to cheat me. What are the requirements to get 0 % interest? Without the dealer making extra money from points off my loan.

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 2020-06-23
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2016 FOR 3 CHARGES. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
These accounts was opened fraudulently : XXXX XXXX {$1200.00} XXXX XXXX- {$1000.00} XXXX  XXXX- {$690.00} XXXX XXXX {$610.00} I have never filed Bankruptcy and it's reporting on XXXX/Equifax that I have.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: EQUIFAX, INC.
State: OH
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:
My name is XXXX XXXX XXXX I live at XXXX XXXX XXXX, XXXX, OH   XXXX. My DOB XXXX and my SS XXXX. I am filing a complaint due to the following information below. I am requesting that the credit reporting agencies promptly remove/delete these addresses they are not accurate : XXXX XXXX XXXX XXXX XXXX, OH  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NC  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NC   XXXX XXXX XXXX  XXXX, XXXX, OH  XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH  XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH   XXXX XXXX XXXX XXXX XXXX, XXXX, OH  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-23
Company: Credit Plus Inc
State: UT
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:
My student loan servicer is XXXX They decided that they would just report me to collections because they " couldn't get a hold of me ''. which is absolutely ridiculous considering they have my cell phone number and I have been making all my payments. 

I requested they remove the negative reporting and they told me that the bureaus are the ones that remove that not them. I told them that is not the case since I work with credit all day and I know how reporting works. 

They again said they can not produce any documentation to show what they did was inaccurate. I am in the process of refinancing a number of my mortgages and this is causing a distress to me and considering this is all inaccurate I need it removed right away and they are giving me the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: Ad Astra Recovery Services 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: Old information reappears or never goes away

Complaint:
I recently tired to repair my credit I had items removed and some wasnt meaning removed from two credit bureaus but which was XXXX  and XXXX but for some reason still appearing on XXXX did a dispute still coming back verify but I have documents thats it been deleted from the other two credit bureaus. Account : XXXX XXXXXXXX XXXX XXXX # XXXX amount : {$310.00} address:XXXX XXXX XXXX XXXX   XXXX XXXX, XXXX , KS XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
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: Their investigation did not fix an error on your report

Complaint:
Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX XXXX account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.

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