BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-19
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My account was closed XX/XX/XXXX with XXXX, is supposed to be {$0.00}. Balance they are no longer my servicer. I have a new servicer XXXX. The transfer was completed in XX/XX/XXXX all loans are with XXXX. As of today XXXX will not report my balance as {$0.00}, they are still reporting my balance on my XXXX and Experian as open as if Im my account is still with their company. I have done several disputes and they are being updated as balance remains and Im no longer with them. I have spoken with the credit bureau and they state they only update what the company is putting out. XXXX XXXX is reporting to them that the balance is still open when clearly on my credit report I see when it was closed and transferred to another lender. One supervisor said the loans werent converted yet thats why XXXX  are still reporting a balance. False I have documentation from my new servicer showing all loans were transferred in XX/XX/XXXX to XXXX. I just need my account updated accurately Im no longer with XXXX anymore

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 2019-04-26
Company: Bread Financial Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
XX/XX/19 demanded that i call today with a lawyer, or else they make a decision for me. This is not the first time this has happened. XXXX Bank leaves out information in hopes of getting money. You could owe a more reasonable amount but theyll tell you the unaffordable amount

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: SYNCHRONY FINANCIAL
State: TX
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:
XXXX Case : XXXX XXXX have provided sufficient evidence about this dispute for " item not as described '' I have provided chat support screenshots showing how XXXX  was not accurate about the hotel search feature. The hotel I booked with XXXX  also agreed with this statement. 

However, Paypal has denied my dispute. Again, I have provided sufficient evidence to show the item was not as described.

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 2023-08-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I noticed inquiries on my credit report that I dont recognize nor did I authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 is missing that should be on the report

Complaint:
I have contacted XXXX XXXX regarding my XXXX vehicle lease not appearing on my credit reports. They told me that they do not report to credit bureaus. I have no idea how that is legal. I then contacted TransUnion, XXXX and XXXX and asked to " self report '' the payment information and I would provide the invoices and proof of payments and they too refused. I am paying a {$2300.00} car lease payment every month and I want this information reported, earning me credit and showing my responsibility to repay large loans. The FCRA requires that furnishers of information as CRA ( credit reporting agencies ) are required to keep accurate information on a consumer report. I want the auto lease from to be reported on all 3 of my credit reports and to reflect the opening date, and the current, on time payments I have made monthly. I am also attaching several of the invoices made available to me via XXXX 's website. I made a payment for this month as well which has not yet been reflected in statements, but can be verified online on XXXX 's account management page. XXXX should also be required to report accurate information

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: CORELOGIC INC
State: MT
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 identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX XXXX and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/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 2023-04-16
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I pay the insurance and taxes on my house. There is no escrow. My insurance company decided to pull out of the area in XX/XX/XXXX. I had to find new insurance and given the tight market I was only able to obtain insurance through XXXX. They however required a new roof as well as other updates and I was not able to get coverage while these updates were being done. I contacted the insurance department of my servicer select portfolio servicing and requested a forced place policy be imposed. I was told no such policy could be issued as there was an extensive process which would take time. I was able to get a liability policy and once the updates were completed I bound the XXXX  policy. I was however subjected to a 30 day wait period.. as of XX/XX/XXXX when I purchased the policy with XXXX  select portfolio did not impose a forced place insurance policy. However once they received the new policy I sent ti them, they charged me for a forced place policy all the way back to XXXX of XXXX even though there was no policy in place at that time they back dated the effective date of the policy, the charge for which showed up on my XX/XX/XXXX mortgage statement and not on any of the prior months mortgage statements. I don't think this should be allowed. I paid them in full but would like to get my mon XXXX y back. Please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09
Company: Harley Davidson Financial Services Inc
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
I was recently XXXX discharged from the XXXX and immediately served divorce papers. She moved out of state and took my kids. I was trying to pay a lawyer, {$1500.00} a month in child support, and was out of work after being in a bad car accident. My first 6 paychecks after returning to work were $ XXXX {$75.00}. All of my pay was taken by XXXX. I am 3 months behind and have been trying to get caught up. They will not allow me to catch the loan up unless I pay all 3 of the missed payments and compounding fees and interest. I am fine with paying those but the only option they have left me is to pay it in one payment within 5 days. The have some investigator constantly calling my place of employment, my bosses cell phone, my phone, and making threats about the police coming to my work. I speak to the loan officer and she tells me one thing then the investigator calls 2 hours later and tells me completely different information and tries to make threats and bully.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26
Company: BlueChip Financial
State: WI
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was under the impression payments were being received. They never called or sent a letter to me. I all of a sudden receive an email stating I owe triple the loan amount. It was my stupidity to deal with payday loans. This is criminal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26
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:
I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX XXXX XX/XX/XXXX {$700.00} XXXX XXXX XXXX XX/XX/XXXX {$28000.00} XXXX  XXXX XXXX XXXX XX/XX/XXXX {$500.00} XXXX XX/XX/XXXX {$490.00} XXXX/XXXX   XX/XX/XXXX {$3100.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX/XXXX  XX/XX/XXXX {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
sent a dispute to XXXX XXXX XXXX XXXX and it was returned back to me. The attempted to deliver it but was unable to forward it to the company. Address was not known

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
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: Was not notified of investigation status or results

Complaint:
Hello, I have submitted TWELVE ( 12 ) WRITTEN disputes with all 3 major credit bureaus ( XXXX, Equifax and XXXX ) multiple times with NO response on the following dates : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Certified Mail ) XXXX XXXX XXXX XXXX I even sent the letters via Certified Mail on XX/XX/2021 and it shows the letters were received by each individual credit bureau yet I STILL have not received any responses to my Dispute requests. There are multiple Errors on my Credit Reports and after MANY attempts, they will not help me or respond to my written disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
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:
XXXX  routinely accepts a report of a missed payment on an account with a XXXX balance from Bank of America, XXXX  does not investigate the matter thoroughly. They continually accept a reported late payment from Bank of America on an account that was closed and written off years ago. A previous complaint filed with CFPB finally showed the balance on the account as XXXX  ( {$0.00} ), but XXXX  still accepts as accurate a late payment on that XXXX balance every month, thereby indicating habitual late payments on an account with a XXXX   balance. FURTHER, XXXX will not perrmit me to file a dispute, claiming the matter has already been investigated. Further, Bank of America first made this adverse report on XX/XX/XXXX. The seven year period has run and this account should be dropped from this report, but still appears on the XX/XX/XXXX credit report. XXXX  will not permit me to dispute this either, saying the information reported is accurate. MONTARY RELIEF should be awarded for failing to provide a method to dispute a subsequent, but incorrectly reported, late payment and for failing to exercise diligence in watching the seven year period.

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 2022-01-13
Company: ENOVA INTERNATIONAL, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On my XXXX Credit Report I see a Hard Inquiry on XXXX, 2021 from NETCREDITXXXX I didnt request any new loan or credit card in months. So this Hard Inquiry was not authorized. I have sent emails to this company, their response- they wanted me to log into my account- which I do t have to continue communications with them. I responded that I dont have an account or login, I havent receive anymore communications from them I have sent letter to both XXXX and XXXX notifying them that this was an unauthorized inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
XXXX Date opened : XX/XX/XXXX XXXX Date opened : XX/XX/XXXX {$330.00} I pulled my credit report and noticed I have 2 accounts in collections reporting with no account name, address, or phone number. How can this information be verified without proper documentation? I sent a letter to Equifax letting them know and requesting it to be removed immediately and it has been over a month with no communication from them. This kind of information is tarnishing my name and making my credit account look really bad to other potential creditors. I attached a screenshot of the reporting so you can have a visual of what I am seeing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: JPMORGAN CHASE & CO.
State: NH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
The complaint is regarding a Chase XXXX XXXX credit card. This card has been open but has remained inactive for years. It came to my attention in XXXX of this year that I had an outstanding balance secondary to the yearly fee. In XXXX I spoke with customer service and was told that the account would be closed and all of the fees would be waived and that I would have a {$0.00} balance. 

On XX/XX/2022 I realized that there was an outstanding balance listed on my credit report for several XXXX dollars related to this account. I called J.P. Morgan Chase customer service on the above date and described the phone call in XXXX. At that time, they stated that they would perform a " call pull '' and review the phone call in question in XXXX. They stated that they would rectify the problem if I was in fact told that the account would be closed and there would be no further fees/account balance during the XXXX phone call. I was told I would receive a call back in XXXX to 10 days On XX/XX/2022, 14 days after the initial call, I called back to check on the status. Customer service informed me that my account was sent to collections on XX/XX/XXXX. They stated that they were obligated by law to perform the call pull within 14 days. They stated that they would attempt to do so and call me back in XXXX business days. 

On XX/XX/2022, received a call from customer service stating the reason for the late fees. They confirmed that the account was closed and that there were late fees that were due. They did not perform the " call pull '' to review the call from XXXX as they mentioned they would. 

Ultimately, I was told in XXXX that the account was closed and that I had a {$0.00} balance but despite this, the fees remained active and were ultimately sent to collections after I started to further investigate in XXXX. The call any question in XXXX was never reviewed after numerous calls to customer service.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-13
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
on XX/XX/2021 a payment was sent to kia motor finance check was cashed on XX/XX/2021 on XX/XX/2021 i recived a call from kia that i did not make a payment i checked my checking account and saw it was cashed on XX/XX/2021 i gave them a payment over the phone in hope that it could be found after talking to XXXX  at the end of XXXX she said she found the missing money and it would be credit to my account in 5 to 7 days never happened called back beginning of XX/XX/2021 talked to XXXX again was told that the money was there would be applied to my account in 5to 7 days and was told not to make anther payment untill this was resolved. on XX/XX/2021 i recived a call from kia stating i was past due and needed to make a payment at once. after trying to explain i was transferred to XXXX XXXX who also said he found the missing payment and it would be credited in 5 to 7 days i cant get these people to fix this i only have 1 more payment due until lease end this has now been going on for 75 days and my account is showing past due please help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Please see Additional information, as requested by XXXX  & Transunion in attachments for further details. 

As it appears on my recent Credit report. By Transunion & XXXX    XXXX is being reported inaccurately and is in violation. Please see attachment for further details. 


The company is currently reporting a balance of {$1500.00} this information is inaccurate. Delete this account immediately. 

In the attachment you will see a billing statement sent to me by XXXX for validation of debt. On the billing statement there is an address : XXXX XXXX XXXX XXXX XXXX New York, XXXX of which is not consistent with my mailing address of which I've lived at for over 15 years. There is no record of this address on any of my consumer reports or address history. As a result the information being reported is inaccurate and a violation. Remove XXXX from my TransUnion and XXXX  effective 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 explanation
Consumer complaint received 2023-07-24
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:
I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. 
Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. 
Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listedXXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief