BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-16
Company: Bread Financial Holdings, Inc.
State: IL
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 did a pay for deletion with Victoria Secrets and the vendor agreed to do a pay for deletion and remove the charge off from my credit report due to me settling the account. I settled the account for {$470.00} on XX/XX/14. This is still on all 3 reporting agencies even though they agreed to remove since i settled the account. I contacted them 30 days ago and they have not responded to my letter I sent 30 days ago, or responded to my email or received a call back from a XXXX like I was told.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02
Company: SYNCHRONY FINANCIAL
State: CA
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:
Synchrony Bank ( Gap credit card ) had a fraud charges as well as items that was purchased that I NEVER received and they still charged me the amounts and interest.

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 2020-06-04
Company: OneMain Finance Corporation
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Loan payment wasn't credited to your account

Complaint:
I had went out on XXXX on XX/XX/2019, I have insurance on the lon so they have been paying my monthly amount as I was told they didnt pay the XXXX bill and Im not sure why but every month its growing on my credit report Im late or missed and I did not I believe this is affecting my score

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-15
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:
XX/XX/2018 To whom it may concern : I have just reviewed my credit report and noticed there are several inaccurate items on my report as follows : My only address is the one ending in zip code : XXXX. Please remove all other addresses that I was never associated with. 

FRAUDULENT INQUIRIES 1. XXXX 2. XXXX XXXX XXXX XXXX 3. XXXX I never authorized any of the accounts or inquiries and when i requested proof from the creditor, they were unable to provide me with any original contract proof otherwise ; therefore it is the credit bureaus responsibility to remove them immediately and permanently according to FCRA sections 609.

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 2020-05-02
Company: BYL Collection Services
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
For almost three years BYL MANAGEMENT SERVICES LLC has claimed that I own money to XXXX XXXX. I provided a current account statement showing a zero balance, but they refused to concede the debt was invalid. 
I investigated through XXXX XXXX and found the debt was for an apartment XXXX when I live in XXXX. They fraudulently tried to collect money from me for a natural gas account that I have never been associated with despite all the evidence I provided. I believe this is a clear case of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Upon pulling my credit report I noticed Toyota Financial Services listed which is inaccurate. I requested the debt to be investigated on XX/XX/XXXX and received a prompt response on XX/XX/XXXX only stating " we have researched our records and have determined that the information is correct '' with no proof of the debt. On XX/XX/XXXX, I sent another letter to requesting more information on how this was researched with no response. On XX/XX/XXXX, I sent another request for the information never received from my XX/XX/XXXX request with no response again. At this point this inaccurate debt should be removed from my report immediately as this has been a hardship on myself and my family. Please assist. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: Merchants Credit Bureau, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
An third party called XXXX XXXX XXXX XXXX sent my information and open a loan with Merchants Credit Bureau on XX/XX/2021. Without my consent, I had contacted XXXX from Merchants Credit Bureau who refuse to close the account. After I had explained this is a fraudulent account, I did not open this account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
original loan amount = {$53000.00} payments made to date = {$38000.00} current balance as of today = {$61000.00} They keep increasing my interest rate, so I'm hardly paying any principal. Some of my loans have an interest rate of over 10 %. I'm never notified of these increases either. Not to mention I've never once received any information on the current payment plan I'm on. I was told I had fixed payments, but they increase my interest as an excuse to keep raising my payments while I have it set on auto-pay. 

Currently my loan payoff date is scheduled for XXXX and XXXX. 

Never expected that getting a degree was the worst mistake I've ever made in my entire life, and Ill be regretting it until the day I day, which will probably happen while I'm at work struggling to pay off my student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
House hold bank opened in 2011 false charges been over 7 years they keep electing my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27
Company: SYNCHRONY FINANCIAL
State: TX
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:
Synchrony Bank put a fraudulent credit inquire on my credit bureau. This is not mine. I did not inquire about credit with them

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 2023-03-07
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On or about XX/XX/XXXX, I received a phone message from a XXXX XXXX of " XXXX Investigations ''. They claimed to be hired by Wells Fargo to locate valid heirs of XXXX XXXX XXXX ( my deceased mother ). My mother died in 2010 and my first thought was that this is some sort of scam or phishing expedition. I called them back to see how far they would take it. Also, there was a remote possibility that it could be legitimate. XXXX at XXXX XXXX claimed that my deceased mother had a savings account at Wells Fargo containing approximately {$19000.00} that had apparently been missed by probate 13 years prior. Their " fee '' would be 10 % of the amount returned by Wells Fargo. I had a meeting with the local Wells Fargo branch manager, and she was absolutely useless. She wouldn't tell me whether her employer uses companies like XXXX XXXX for the purpose stated. Side note : They wouldn't need to because both my parents have lived at the same address for the last 60 years and are easy to locate. My father, who is XXXX and still very much alive, still lives there. The branch manager wouldn't say even if my mother was in their system or if an account existed. She hid behind the fact that I didn't have the requisite documentation of probate. Next, my XXXXXXXX XXXX father went down to the local Well Fargo branch in Florida with ALL THE REQUISITE DOCUMENTATION to establish the facts. Wells Fargo treated him exactly the way they handled me. They wouldn't say anything helpful. Today, my father doesn't know whether or not it's a scam or not, because Wells Fargo has been totally uncooperative in the matter. Doesn't the bank have a fiduciary duty to provide more information, instead of stonewalling the customer. Plus, if it is a scam, it needs to be reported to the proper authorities as soon 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 2019-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX is once again doing illegal things. I have sent them two certified letters with DL, social security card and two utility bills and i have requested that they remove an illegal security freeze that they fraudulently put on my credit report and they are refusing to remove it. I did not request it be put on these guys just did it to hurt me and to get me denied credit. also XXXX and Transunion are also doing the same thing. Putting illegal security freeezes in my file and not reporting removing it. These jerks are just playing with my credit file and they need to be investigated.

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 2018-05-17
Company: General Motors Financial Company, Inc.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
On or about XX/XX/XXXX I contacted GM Financial to seek a lower monthly payment. The customer rep I spoke with put me on hold after looking over my account and told me that she would be asking her supervisor about a rewrite for my loan. She explained it to me and rotated my account and said she would forward this for review for approval. When a few days went by I called GM back and explained the situation and that no one had called me back concerning the rewrite I was pushed through to XXXX XXXX and he informed me that I was approved for the rewrite and after I made a payment for XXXX that was late my account would be current and the paperwork for the rewrite would be emailed to me and I would then have to sign and mail them back. XXXX went over the terms and payment amount which were great and I was very happy : 8 % interest monthly payment of {$400.00} and term of 12  months added to my current loan. I said I would take it as it lowered my payment {$160.00} dollars. My husband and I have been struggling with the payment over the years due to his layoffs. I had looked into refinancing but nothing worked out. On XX/XX/2018 I got a call back from XXXX whom I had to call the day before to ask where the papers .I need to sign were since they were not emailed to me ... he told me that now I am denied the rewrite. GM is denying all rewrites until further notice. How can they go back on their word? This information was documented that I was approved. They lied and were deceiving to me and my husband and gave false information I doubt they were going to even do the rewrite at all. I was a month behind on loan payment and called them seeking a solution to high payment due to hardship not wanting to voluntarily have car repossessed as last resort and they gave me hope made me believe that I would get paperwork to sign and have to send back before XXXX payment was due so that I would get the lower payment to start for next payment. I was waiting to do all that prepared to pay for documents to mail back to them quicker only to have been lied to. I'm stuck now with not knowing what else I could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX is once again doing illegal things. I have sent them two certified letters with DL, social security card and two utility bills and i have requested that they remove an illegal security freeze that they fraudulently put on my credit report and they are refusing to remove it. I did not request it be put on these guys just did it to hurt me and to get me denied credit. also Equifax and XXXX are also doing the same thing. Putting illegal security freeezes in my file and not reporting removing it. These jerks are just playing with my credit file and they need to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-15
Company: ID Analytics, Inc.
State: MN
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:
I had a complaint that was filed through the CFPB on XXXX. They used to Be IDA. XXXX failed to tell me in there long winded response if it was still frozen. My prior address was XXXX XXXX XXXX XXXX XXXX, MN XXXX when I froze this report. I faxed all documents to XXXX. Way back. If IDA went under a name change that does not mean my credit file should still not be frozen. I want the CFPB to see previous response. They did not address if my file was frozen.

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 2020-05-02
Company: SYNCHRONY FINANCIAL
State: GA
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:
My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX and XXXX XXXX my personal information was exposed in both of their data breaches. XXXX, then confirmed that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is 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 non-monetary relief
Consumer complaint received 2019-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
DEPTED/XXXX ACCOUNT NUMBER XXXX is reporting inaccurate data : Date opened, Payment status and Last payment are inaccurate. Delete the account 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 2020-11-12
Company: Atlanticus Services Corporation
State: GA
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:
I emailed on Aspire Credit Card Company on XX/XX/2020 a Customer Statement of Disputed Items form. I explained that I returned a product on XX/XX/2020 via XXXX with a tracking receipt. As of XXXX XXXX, 2020, over 10 days had passed and the company still keeps giving me the run around regarding my refund. I have called Aspire Credit Card Company every XXXX days and each CSR never is able to inform me anything about my refund on my credit card. The purchase was for {$100.00} and I have not had this about available to me as available credit. I have continued to accrue interest on my monthly bills without the {$100.00} deducted. Today 's date is XXXX XXXX, 2020, and I have not received any communication from Aspire regarding my dispute. I was charged interest over the period when this amount was in my aspire balance and I would like my interest to be adjusted as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
my account was closed without receiving notification. Making payments on time. 
i have been a valuable customer for many years

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 2020-05-02
Company: Bread Financial Holdings, Inc.
State: GA
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:
My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX and XXXX XXXX my personal information was exposed in both of their data breaches. XXXX, then confirmed that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26
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: Account information incorrect

Complaint:
DEPTED/XXXX ACCOUNT NUMBER XXXX is reporting inaccurate data : Date opened, Payment status and Last payment are inaccurate. Delete the account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Capitol One obtain a copy of my credit report on XX/XX/2017 without my permission. I did not authorize this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-02
Company: Bridgecrest Acceptance Corporation
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX My XXXX XXXX XXXX Was Total Lost XXXX   my insurance paid the value {$12000.00} I spoke with XXXX  ( Which is BRIDGECREST ) & All CALLS ARE RECORDED WITH THEM ... I was told My Gap Insurance Taking Care The Remaning Balance I didn't Owe Anything I will receive papers to sign ... I Called Again Cause I Didn't Recieved Anything while weeks went by I called again ( spoke with BRIDGECREST & my gap insurance company in 3way ) was told everything being paid ... I DIDN'T RECIEVED ANY PAPERWORK FROM BRIDGECREST OR ANYTHING after that until I looked at my credit report they saying I owe {$8.00} I wrote BRIDGECREST a letter for verification of this amount, how was this amount calculated, where it come from 3 TIMES I REQUESTED THIS & they refuse to Validate this they refuse to send me proof of this bill ... I don't owe them anything they reporting late payments on my credit I asked them to Validate that 3x & yet to do so they reporting different amounts on my credit also they sent me copy of my contract but yet to send how they came up with this extra money after the car was paid IN FULL

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 2020-05-02
Company: AMERICAN EXPRESS COMPANY
State: GA
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:
My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX and XXXX XXXX my personal information was exposed in both of their data breaches. XXXX, then confirmed that I was XXXX of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX obtained copies of my credit report on XX/XX/XXXX and XX/XX/XXXX without my permission. I did not authorize use of my credit report.

Company response to consumer: Closed with non-monetary relief