BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-02
Company: EQUIFAX, INC.
State: VA
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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PA XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; PA XXXX XXXX XXXX Balance Owed : {$20000.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$64000.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$860.00} ; XXXX XXXX XXXX XXXX Owed : {$14000.00}; XXXX XXXX XXXX Balance Owed : {$21000.00} ; XXXX XXXX  XXXX Balance Owed : {$460.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: HYUNDAI CAPITAL AMERICA
State: MA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
We have a a car lease with Kia Motors Finance ( KMF ) that is on autopay. The monthly payment is {$570.00}. On XX/XX/2021, we received notice of a past due amount of {$52.00}. As we are on KMF autopay we were confused by the notice. Nonetheless we paid KMF the {$52.00} on the same day of the notice. In a conversation today, XX/XX/2021, with a KMF agent about this past due amount we were instructed to ignore the past due notice. This did not seem like a reasonable reply, so we asked to speak to a supervisor. We were told by the supervisor that the {$52.00} was for Mass. property tax and it had to be paid separately from the lease payment of {$570.00}, and that it is not covered by autopay. The supervisor directed us to our XX/XX/2021 statement, which is herein attached. The amount of {$52.00} is the sum of two amounts on the statement : {$49.00} and {$3.00}. The statement lists a total amount due of {$630.00}. Note that the total amount due is not broken out into two separate portions ; one for the lease payment and another for the tax payment, and that each had to be paid individually. As will be seen, the KMF statement in the upper right says. " Stop worrying about making your monthly payments. Sign up to autopay and never worry about late fees again. Even more troubling is that the first KMF agent we spoke to said to ignore the late payment notice. For all the foregoing reasons we therefore believe that KMF is engaging in misleading and deceptive business practices, and we are bringing this matter to your attention. It is also quite possible that we are not the only ones to have been caught out caught out by this KMF practice.

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 2019-04-30
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Loan taken out XX/XX/2018 for XXXX.Payments have been paid on time, paying more than actual payment due. Per receipt balance was less than 122, called today to let the company I would be in, I was told the balance was over 200 dollars.The rep at the store had no clue as to why, so I called the corporate office. Although more than 500 dollars has been repaid this company is charging over 140 a month in fees, instead of one more payment the company is now stating regardless if more was paid than due, which should make the payment less, they continue to add interest daily to keep one in  the whole.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27
Company: Experian Information Solutions Inc.
State: NY
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: Personal information incorrect

Complaint:
There are 3 incorrect addresses on 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 2018-03-19
Company: Experian Information Solutions Inc.
State: SC
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 requested verification of the following account that Experian continues to report on my credit file : US BKPT CT XXXX XXXX   Dispute for XX/XX/XXXX : I received dispute results. Outcome stated, " The company that reported the information has certified to Experian that the information is accurate. XX/XX/XXXX I called Experian and requested the name of the company who reported the information. The representative XXXX stated, " We don't disclose who gives us the information. '' She transferred me to the fraud department. The rep there stated that, " A group of people go out and check public records and reported it to them. '' Nether representative could provide me with a company name or any proof of verification of how the information was obtained. My complaint is that Experian has not been forthcoming with the name of the company that provided them with the Bankruptcy information that they are reporting on my credit report. Courts do not report to credit bureaus. I demand and request this public record US BKPT CT XXXX XXXX is removed/DELETED PERMANENTLY due to lack of verification and INACCURATE REPORTING OF VERIFICATION DATE.

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 2019-04-30
Company: ALLY FINANCIAL INC.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
On XX/XX/2018, Ally Financial started a loan on a brand new car for {$22000.00}. Then on XX/XX/2018, Ally Financial approved a second car in my name for {$28000.00}. Total payments of {$940.00} a month. My monthly income is less than this amount. I contacted Ally and told them that the first car needed to be put in my daughter 's name so the pointed me to the online application. I sent it to my daughter but the fact remains that the car she is driving is in my name. She has done nothing to get the car in her name, so in the meantime, Ally is calling me seven times a day because she has not made one payment. 
Every month there is something going on with the car I drive the most recent is the tag. I can not get a permanent tag because the dealer has not completed their paperwork for the state, so there is a hold on the tag. This tag runs out tomorrow. Not to mention the fact that I am a XXXX-year-old grandmother who can not even afford to pay this car note but I struggle every month trying to keep my head above the water.

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 2019-04-30
Company: Experian Information Solutions 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 did 5 dispute with XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for the amount of {$2500.00}. XXXX, XXXX XXXX XXXX XXXX was the Attorney for the Plaintiff, XXXX XXXX XXXX. I was the Defendant, XXXX court # XXXX & XXXX. I owe no money at all.

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 2021-02-20
Company: EQUIFAX, INC.
State: LA
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:
I received notification that my credit score had gone down and there is some unknown XXXX XXXX CHARGE THAT IS NOT MINE FOR {$510.00}!!!!!!! HOW MANY TIMES DO I HAVE TO DEAL WITH THE XXXX AT XXXX  AND EQUIFAX ABOUT THIS ISSUE???? They have removed and put back on this same XXXX over and over AGAIN!!!! I DO NOT AND HAVE NOT HAD XXXX  XXXX!!! THEY HAVE TRIED THIS BEFORE ONE TWO AND THREE YEARS AGO AND I FOUGHT THIS XXXX OFF WITH XXXX!!!! I TURNED THE EQUIPMENT IN AND HAVE NOT HAD XXXX SINCE 2015!!!!! 
GET THIS XXXX OFF OF MY CREDIT REPORT NOW BEFORE I SUE XXXX AGAIN

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27
Company: CITIBANK, N.A.
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Citi/XXXX cards is 6 months past due and according to company the debt has been charged off. The last statement received had a due date of XX/X/17. I called the company before the due date to request a payment solution as stated on the statement. The company representative stated during the call that there was nothing they can do with the account since it was under review. Apparently, during a review Citibank will not discuss payment solutions or even take a payoff over the phone or web. My only option was to send a check to a company address and hope for the best. I escalated to a manager to speak with internal contacts. They refused to provide contacts to assist with a payoff plan in order to have the issue settled before the due date. I can provide the statement as backup to this complaint. I do not think an account should be locked out and possibly sent to an collection agency if the customer is seeking to resolve the issue at hand.

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 2019-04-30
Company: SYNCHRONY FINANCIAL
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: Account status incorrect

Complaint:
Walmart Credit Card company sent my debt to collection agency XXXX XXXX XXXX representing Synchrony Bank. On XX/XX/XXXX I paid a payment for {$150.00} on an arranged payment plan to resolve the debt that I owed to Synchrony bank. I made another payment to XXXX XXXX XXXX on XX/XX/XXXX in the amount of XXXX. Finally, I made a final payment on XX/XX/XXXX for {$690.00} to settle the debt in full ( {$1000.00} ) with XXXX XXXX XXXX for Synchrony Bank ; with the agreement that they report the balance as settled in full and balance reported as paid or XXXX to all 3 credit bureau 's. However ; Synchrony bank refuses to report debt settled and as XXXX balance. Synchrony bank stated on XX/XX/XXXX via phone that the debt was charged off and not resolved. I have disputed this with the credit bureau 's and they state Synchrony bank reports the debt as accurate.

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 2021-06-02
Company: FIRST PORTFOLIO SERVICING INC
State: IN
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:
I am filing this complaint because I previously disputed this account and gotten a response telling me to contact the original creditor. The bureau only collects and reports information furnished by the creditor. On XX/XX/2021 I filed a complaint with the CFPB, Complaint # XXXX and XXXX  failed to initiate an investigation. I have received a response from XXXX  regarding my complaint saying that they were unable to identify me but that is not true. I also submitted the same complaint with the CFPB on XX/XX/2021 to XXXX  and XXXX  and they did not refuse to initiate an investigation. All bureaus were provided the same information. I am having an issue with this bureau investigating an account that is incomplete and inaccurate. The creditor has not validated the debt with competent evidence bearing my signature that I have or had an contractual agreement. The bureau still verified the debt. Since XX/XX/2021 when I filed my complaint XXXX  has updated the account with new information and re-aged the account. Also they have added more late payments after the account has been closed. But they shared with me and the CFPB per my previous complaint that they werent able to identify me and closed the complaint so therefore how did they initiate a investigation without my knowledge. They also updated the account after me filing my previous complaint. They have violated my consumer rights under the FCRA laws. There is different information being reported to all bureaus about the same account. I have brought the to all bureaus attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA
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:
About XX/XX/2020, I contacted Capital One about a charge for {$4500.00} on my card which is linked to my XXXX Account. 
The payment was made to a XXXX XXXX, whom I do not know, through my XXXX Account and the transaction ID is : XXXX. The dispute case ID with XXXX is : XXXX. 
XX/XX/2020, Capital One cancelled my credit card and credited the charge of {$4500.00} pending an investigation. 
XX/XX/2020, Capital One issued me a new credit card. 
XX/XX/2020, Capital One sent me two letters that contradict the other : XXXX letter states that the 'fraud investigation is resolved and that I will not be held responsible for fraudulent charges and my {$4500.00} will be refunded to me. ' The other letter contradicts and therefore, advises that Capital One found insufficient evidence of fraud because : activity on the account indicates you opened and interacted with this account. Information we discovered leads us to believe you or another account user benefited from the transactions ... 
About XX/XX/2020, I called Capital One about the conflicting letters printed with the same date of XX/XX/2020. 
I reiterated my dispute of the charge and the customer service representative acknowledged the correspondences mailed to me by Capital One, and she said that 'she could not explain the two letters. ' When I asked to speak to her supervisor, she said that she 'was the only person I would speak with meaning that she was the highest person at Capital One ' -- which I knew was not true. When I told her that I was recording the conversation for my quality assurance, she refused to speak further even as rudely as she had spoken. 
Yet, she told me that I will have to pay.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-30
Company: FMA Alliance, Ltd.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
FMA Alliance called a coworker on her personal work phone and told her to tell me to contact them. This is totally inappropriate and I have asked them to cease and desist contacting any phone number associated with myself, place of work, relatives, and friends but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27
Company: National Budget Planners of South Florida, Inc
State: MA
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:
On XX/XX/XXXX I completed a Student Loan Consolidation with XXXX XXXX XXXX XXXX XXXX. Every month since then the monthly payments are automatically deducted from my checking account. On XX/XX/XXXX I  received a Credit Alert stating that my score had dropped from XXXX to XXXX because my student loan payments were 90 days late. I contacted the National Budget Planners and they said that my account was due for a recertification. I asked why I had not been notified and the representative did not have an answer. On XX/XX/XXXX National Budget Planners sent me a notice to recertify. 

The payments have been made every month and yet a report was filed with the credit reporting agencies stating that I was 90 days behind. I believe that XXXX XXXX XXXX XXXX XXXX is responsible for this negative action. In addition to my monthly student loan payments I pay them to handle my account. They failed to do the work and notify me when it was time to recertify. This resulted in a drop of over 100 points on my credit reports. I need them to take care of this and get my credit standing to where I keep it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
My credit report is showing information that does not belong to me. I already filed a complaint to the creditors, law enforcement, ftc complaint # XXXX The following accounts need to be deleted immediately XXXX XXXX {$500.00} Opened XX/XX/2018 -XXXX {$2900.00} XX/XX/2018 -XXXX  ( Any and all XXXX Accounts )

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 2017-11-27
Company: Experian Information Solutions Inc.
State: WI
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:
Good Morning, Not too long ago, I obtained a copy of my Credit report and was shocked to find a credit inquiry by from the following companies ( XXXX, experian and XXXX ) listed below and that I do not recall authorizing. I understand that you should not be allowed to put an inquiry on my file unless I have authorized it beforehand. Please have this inquiry removed from my credit file because I believe I did not authorize this inquiry. I have reached out to each company several times with certified mail, phone calls and faxes and no responses. This is hindering me daily with fixing my credit for not only for myself but to also become a homeowner in the near future. 

Under the Fair Credit Reporting Act, your action constitutes a violation on my rights, which is illegal and causing severe damage to my credit rating. 

I would appreciate your immediate attention to this matter. Kindly forward me documentation that you have had the inquiry removed. 

Otherwise, please send me proof of such authorization, if you find that I am confused, and you did have my authorization to inquire into my credit report. 


XXXX & Experian that should be removed did not authorize XXXX/XXXX Inquiry from XX/XX/XXXX & XX/XX/XXXX  XXXX/XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX that should be removed did not authorize XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from 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 2017-11-27
Company: Experian Information Solutions 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 disputed the incorrect and outdated information reported by his credit repository on correspondence they received. The letter was dated XXXX XXXX, 2017. CHAPTER XXXX BANKRUPTCY Ref # XXXX has been withdrawn last XXXX XXXX, 2017 and I clearly informed this credit repository in the said letter. I was able to verify this with court my self. I asked them to obtain the latest public record information from the vendor of this information and NOTHING happened. Their records still show OUTDATED info which violates FCRA.

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