BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-25
Company: TMX Finance LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/2015, paid car title loan off for deletion still showing up on credit as a bad debt. When I paid they were suppose to delete the account from the XXXX   Credit report still not deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Thank you for your recent communication wherein you claim to have validate the alleged debt. The information you provided is woefully deficient and fails to establish that this is a valid item.

First, you have not, by any credit means, demonstrated that I owe this alleged debt to your organization. You have failed to provide any document bearing my signature that would establish that I have indebtedness to your company. You have ask so failed to provide me with a complete statement of accounting as required by law to be considered full and complete.

Second, you have merely supplied me with copies of alleged bills on the account in question ( OR contract ). These documents, which you could easily have fabricated, fail to prove that there is any legal or contractual obligation between myself, your agency or the creditor.

Third, as you have failed to establish any relationship between me and the purported debt, I demand that you discontinue reporting this item to the credit bureaus and, in fact, that you delete the item. Additionally, not that if you continue to collect on this purported debt, such action will be in violation of the Fair Debt Collection Practices Act.

Fourth, I do not appreciate the insulting tone that my validation request was answered in. I have a right to request ANY and ALL proof that I owe this alleged debt to your organization AND to the original creditor. Your answers were condescending and I WILL be sure to report this negative response to the Federal Trade Commission and the Better Business Bureau. Your hostility was completely uncalled for as I am acting within MY rights under the law.

To summarize, I DO NOT have any contractual obligation to pay YOU at this point as you have failed to provide ANY credible proof that the alleged debt can be validated. As noted above, a copy of an purported bill is simply not enough satisfactory proof that I, personally, incurred this alleged debt.

Your compliance with my demand that you remove this item and discontinue collection attempts is anticipated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: Experian Information Solutions Inc.
State: NC
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 want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from 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 2019-09-05
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is what happened when I wrote XXXX  in XX/XX/XXXX Greetings, I have been fighting all three reporting bureaus in regards to them reporting on my credit file three accounts that has nothing to do with me whatsoever. They are reporting two accounts with XXXX  XXXX XXXX credit card, which I never applied for and also XXXX XXXX which was discharged in my bankruptcy in XXXX. I was not living in the country and I have submitted proof of my passport with visas stamped showing the month and year out of the country and returning in the country as well. This is getting very frustrated and unjust in the part of these reporting agencies that are abusing citizens. They are the main one allowing for customers to be scammed, being taken advantages of by selling our information and not protecting men and women. They also are reporting a bunch of inquiries on my account, however I was able to remove all from XXXX but XXXX and Equifax are the worst reporting inquiries that are fraudulent and when again I was not in the country for several years due to medical issues. I need your help please, even on making an action lawsuit against these companies please. 

Now, it is XX/XX/XXXX and XXXX have not done anything to resolve my issues that are fraudulent and I can not even access the online form on their site to dispute my issues. This is so frustrating and unfair and unjust from this company that I dont understand how the government allowed for this type of practices to take place. I am a XXXX XXXX XXXX XXXX XXXX XXXX veteran  that is trying to purchase my first home for my family and this company is keep on reporting fake account and inquiries that I never did, that I never allowed. 

If I miss out on closing on my property I will sue this company and I need your help because it is completely unjust. I call everyday to talk to a representative and they keep on transferring me and then they say the department that is handling your case the office is now closed. I NEED HELP PLEASE CFPB, YOU HAVE TO HELP

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-15
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Established a business checking with 5/3 Bank XX/XX/XXXX-recommended by 5/3 to sign up for credit card processing. Was told by 5/3 account was declined. For 2.5 years 5/3 branch staff never admitted they knew what the abbreviation on my statement was for charges of {$140.00} monthly for XXXX   ACH billing were. In XX/XX/XXXX returned to branch again regarding fees. Was advised to open a merchants acct thru them. Their rep advised me when she came out & I ask her about the abbreviations, she called & learned I had already a merchants account. That had been in place since XX/XX/16 which cost me! XXXX monthly. Never received a credit card terminal, never received 1 billing statement. Was advised I had a open acct with XXXX now XXXX. I must contact them directly to resolve receiving my refund request for mothly fees. As we have our Merchant processing thru another company along with a terminal, we had in place already when starting new relationship with 5/3. Again never received any equipment, no contract, no monthly statements. After 15 days allowable  processing time required, still havent received any refund we calculate 30@XXXX= XXXX. Today was the agreed date for restitution and or explaination on there plans for resolution. Cust service rep stated the notes indicate their intent to refund {$250.00} but the back office hadnt signed off on it yet. This is major fraud. Please assist in anyway possible. Ive contatced 5/3 on sevral levels along with their processing company XXXX now dba XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-25
Company: Money Service Centers of Hawaii
State: HI
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
ON XX/XX/2018 I recieve a letter saying I have 10 days dated XX/XX/18 to respond to lender about my payday loan payback. 
On XX/XX/18 they submited payment for payday and was withdrew on XX/XX/18 Now by them doing this caused my account to go negative and some payments were denied When I question them about letter that they sent me answer was '' ya so what '' Not was it rude and unprofessional but it caused my account to go negative The letter clearly says I have 10 days to respond to letter before submiting to bank for payment

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-08
Company: EQUIFAX, INC.
State: PA
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:
THIS IS AN ATTACHMENT OF ADDITIONAL EVIDENCE OF THIS COMPANY 'S INJURY TO MY ENTITY BASED UPON THEIR INACCURATE AND INCORRECT REPORTING. 
MY INITIAL COMPLAINT REGARDING THIS ISSUE IS DETAILED IN REPORT NUMBER XXXX OF CFPB FILING PURSUANT TO FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Barclays site does not allow entering the full length of all possible checking account numbers. They simply cut off the last digits and don't warn the user. 

They also let you make payments, not just once, but twice or more on an invalid account number. They will also charge you a return payment fee for each time this occurs even though the error is partially due to their faulty web site. 

They refused to refund the fees, or even reduce it to one charge even though they know the account as invalid per their letter. 

This was not a old account, this was a new account and I was simply trying to get bill pay work properly.

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 2018-02-22
Company: TRANSUNION INTERMEDIATE 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:
I have multiple inquiries on my TransUnion credit report that arent not mine and are unauthorized. I have reached out to TransUnion multiple times regarding this issue. They keep advising me to contact the companies that requested the inquiries. I have done so but were unsuccessful because companies cant search for inquiries especially if there is no account associated with the inquiry. The inquiries are as follows. There are 4 inquiries from XXXX XXXX, 1 inquiry from XXXX XXXX, and 3 inquiries from XXXX XXXX. Please investigate.

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 2019-09-05
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am requesting a reinvestigation of a dispute filed XX/XX/XXXX. Your results indicated The information you disputed has been verified as accurate Documents A and B ( see attached ) were obtained from the original creditors. Both documents highlight your inaccuracies in reporting that can be verified. According to the FCRA, I have a right to have inaccurate information removed from my credit file. 

Experian has had the opportunity with both XXXX XXXX XX/XX/XXXX XXXX and XXXX XXXX XX/XX/XXXX XXXX to fix these errors, but has persisted in reporting inaccurate information. I want both collections to be removed from my personal file. 

I am disappointed and outraged that Experians casual and callous approach has had on my personal credit file and demand these inaccuracies be deleted 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 2021-07-13
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 had a balance of {$360.00} that I paid all the way off. The company experian updated the wrong information after I had disputed the balance reflected was wrong because I paid it off. I even uploaded the balance paid thank you from a screenshot. The account was in good standing and still is in good standing but not for long. They updated the information putting a previous balance of {$160.00} on it and changing my {$0.00} balance ( that had been updated by the company at the same time the dispute was being investigated ) to reflect {$360.00} again. My balance should be {$0.00} not {$360.00}. Im trying to buy a house and its not looking too good with this on my report. It makes me look irresponsible.

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 2018-06-21
Company: EQUIFAX, INC.
State: CO
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:
I purchased a XXXX XXXX from XXXX XXXX XXXX XXXX. The car had a fire and was deemed a total loss on XX/XX/XXXX. My insurance company XXXX paid the total loss claim of {$6100.00} on XX/XX/XXXX. 

XXXX XXXX was the lienholder. I had purchased a Gap policy when I purchased the car. XXXX refused to pay the Gap claim and attempted to sue me for the residual balance. 

I went to court in XXXX County regarding this matter in XX/XX/XXXX. I filed a complaint with the XXXX State Insurance Commission and the XXXX   Insurance Board for refusal to honor the GAP policy. 

XXXX issued a payment in the amount of {$2200.00} to XXXX XXXX. Prior to XX/XX/XXXX, I paid XXXX. Additionally I made payments of {$500.00} XX/XX/XXXX, {$250.00} XX/XX/XXXX through XX/XX/XXXX. XX/XX/XXXX my paycheck was garnished in the amount of {$860.00}, XX/XX/XXXX {$860.00}, and XX/XX/XXXX {$870.00}. 

The total amount paid to XXXX is {$24000.00} between my payments, XXXX payments and GAP insurance. 

The creditor is reporting on Equifax as a collection on my credit report. This is negatively affecting my credit report I have made numerous attempts to resolve with the company as well as to dispute on my credit report. The collection was updated on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-25
Company: TOYOTA MOTOR CREDIT CORPORATION
State: WI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have contacted TOYOTA MOTOR CREDIT or Toyota Financial Services regarding a late reporting on my credit report. They reporting that on XXXX or XXXX that I was late. I sent the payment via check and they said they didn't receive it, I then made the payment with then and there. I have had this loan since XX/XX/2016 and never been late and I also had another loan with this company that I paid off and was never late on that one as well. I closely track my payments and are never late. It beyond my comprehension why Toyota Motor Credit or TFS would report me late when I was not. I have been a loyal customer for 2 loans  and that I paid on time this is how they treat me by falsely negatively reporting to credit reports when I was not late, after I pay off this loan, I will never do business with TFS again or buy any Toyota vehicles. Such a terrible experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2019 FOR 30 DAYS LATE? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-25
Company: Bread Financial Holdings, Inc.
State: WI
Product: Credit card or prepaid card
Sub-product: Store credit 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 observed on my credit report that there was a late reporting for XXXX XXXX forXX/XX/XXXX XX/XX/2018, I was never late on account and I sent a check and they stated they didn't receive so I made a payment with them then and there. This false inaccurate reporting is severely impacting my credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-25
Company: Comerica
State: IN
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: Card was charged for something you did not purchase with the card

Complaint:
Someone got my card, charged {$220.00} from me, ordered a bunch of stuff from XXXX, XXXX, XXXX XXXX XXXX, there was quite a bit more but I cant remember what else it was that they got. All I know is that when I tried to use it the machine kept on denying my card. So I had to order me a new card, I am still getting money taken from me every month there is almost {$150.00}. missing off my card, I dont go anywhere to buy anything, I dont order online. My S.S.I money is the only way I live, having people steal it from you each month its hard to live on it. I HAVE HAD MY IDENITY STOLEN FROM ME, THATS THE REASON WHY I CANT GET MY CREDIT SCORE UP. There are people out there that is using my Social Security number to get credit cards, all kinds of other things while I sit here trying to get our own place to live, we cant even do that because someone is putting my name to shame or giving me a bad name for using my information. WOULD YOU PLEASE CHECK OUT MY XXXX XXXX  ACCOUNT, MAKE SURE ITS NOT ME THATS TRYING TO PURCHASE CREDIT CARDS, LOANS, CARS.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
1. I received a promotional invitation from Citibank for AA advantage XXXX miles after I spend {$3000.00} within 3 month. 
After I spent about {$3800.00} I called Citicards to inquire when will I receive the bonus miles. They told me that I am not eligible because I receive bonus miles withing the last 2 years. I asked Citi card to close the account. 
This account was opened on XX/XX/XXXX 2. About a year later I received same offer. This time I called Citi card before using the card now they told me that I am not eligible to receive the bonus miles because they changed their policy and now " because I applied withing the past 2 years I am not eligible to receive the bonus miles. I asked Citi cards to close the account. 
This account was opened on XX/XX/XXXX this account WAS NEVER USED. 

3. Another year later and I received another offer as mention above. 
This time I called Citi cards BEFORE I applied. Cit cards Rep assured me that I will receive the bonus miles. upon receipt of the card and before using the card I called for another verification. I was told that I will not receive the bonus mile. I closed the account. 
This account was opened on XX/XX/XXXX And WAS NEVER USED. 

On all 3 cases above I was mislead by City cards THE HARM Because the above is showing as opened accounts on my credit report I have been denied credit a number of times. This, because some banks have a policy that if 5 accounts were opened in the past 24 month it is automatic denial.

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 2023-03-12
Company: EQUIFAX, INC.
State: FL
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:
There are a few inquiries that I did not apply for from XXXX, XXXX XXXX XXXX and XXXX. I did not apply for a personal loan nor these credit cards

Company response to consumer: Closed with explanation