BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-20
Company: Southwest Credit Systems, L.P.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
HAPPY SUNDAY MGR ; I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? XXXX. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29
Company: CITIBANK, N.A.
State: MN
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 have contacted XXXX 's XXXX several times regarding my fraud claim. For account XXXX. 
After I reported the charges they issued a new account number which is above. 
They said after called to check the status of the claim that it was denied because I had not return the form back. I submitted the fraud claim to them twice. 

Now there is fraud charges of XXXX in the account which I also reported late payments on the credit reports which adversely affecting my credit.

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 2022-08-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I called at the beginning of XXXX and spoke with a representative who guaranteed me that if I made a payment in full they would cut my payment in half for the six months following. I made the payment in full on XX/XX/XXXX, a couple days after my conversation with Capital One Auto Finance. When my account was billed for the next month, the program had not been applied to my account. I called and talked to a representative in XXXX, and she said my claim wasn't possible. I asked for a supervisor call back, which didn't happen. I called back in XXXX and requested again a supervisor call back. I called back a second time in XXXX and was told it had been assigned to a supervisor that I should hang tight. I spoke with a supervisor on XX/XX/XXXX, who I asked to listen to the call from the start of XXXX and to confirm I was guaranteed by that program that would lesson my payments by half for 6 months. She called me back on XX/XX/XXXX, confirmed that the representative had guaranteed me that program, but that Capital One Auto Fianance was not going to honor that guarantee. She told me she was calling me from the Office of the President, and that there was no one above her. She declared that she would not provide me any documentation in writing, which I asked to include a confirmation that they guaranteed me a program they were no longer willing to offer even though I met the stipulation, which was to make one full payment. She said it is against their policy to provide anything in writing and the only way I could access the previous call was to get a lawyer and a subpoena. The supervisor said she would discuss my " options '' with their lawyers and leadership staff, but the guarantee I was given would not be honored.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: Experian Information Solutions Inc.
State: CA
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:
Background : Recently, I applied for 2 credit applications 1 ) Refinance with XXXX for my home loan 2 ) New credit card with XXXXXXXX XXXX Both of these lenders use Experian credit report to pull my credit score and check credit file. 

Issue : When XXXX and XXXXXXXX XXXX  pulled my credit report from Experian, both of them receive a message stating that my credit file is frozen. My credit file is unfrozen and I've verified this multiple times with Experian. 
1st call with Experian on XXXX XXXX with agent XXXX. Case number : XXXX XXXX mentioned that something was wrong with my file and it'd take 3-5 business days to fix my credit report. I don't know what was wrong regd my credit file. XXXX did not mention that. 

I waited 5 business days till XXXX XXXX, called Experian and verified that my credit file is not frozen ( case number : XXXX ) and contacted XXXX and XXXX to run my credit report again. Both of the confirmed that they still get the same message that my credit file is frozen. 
So, I call Experian again and another agent XXXX indicated that my credit file is unfrozen but not willing to look into the matter why lenders are unable to pull my report. 

As a result, I can not proceed with my refinance application and credit card application due to Experian refusing to fix the problem at their end. 

Experian Phone numbers I contacted : 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 2021-11-09
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I was notified on XX/XX/21 by Capital One about two suspicious charges on my credit card - one for $ XXXX and the other for just under {$100.00} ( over {$600.00} total ). I confirmed with the Capital One rep that I did not make those charges. I was advised by the rep that both charges were made at an out of state XXXX in Maryland ( I live in Texas ). I have not been to Maryland nor do I have family that travels to Maryland. 

Several days later on XXXX, Capital One placed those two charges back on my account stating they could not validate these were fraud. I contracted customer services and was transferred several times to supervisors but told their decision stands and I would be held responsible for these charges. I was also advised that nothing more could be done to dispute these. 

Can someone help escalate this dispute? I don't know what to do in this case.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-29
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
all I am trying to do is access my Equifax credit since the breech I have been unable to access it I have been calling Equifax for 7 days straight 2 to 3 hours a day calls gets answered overseas by staff have no knowledge no care about united states consumer I pay them for membership {$12.00} month to protect my credit I am trying to lease a vehicle and due to the fact my credit is locked I am unable to do the purchase Equifax unable to unlock my credit it is frustrating calling daily and no help specially when you have your call answered by a person overseas who would care less I am amazed as big of a country as we are we have people overseas handle our sensitive information It has to be someone I can contact or write to who would listen I have attorneys work for me I will be glad to file a law suit against Equifax I can be reached at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
Company: EQUIFAX, INC.
State: GA
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 recently applied for a furnisher account with XXXX XXXX, long story short I was denied. I don't understand why I would be denied because I'm typically approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. I'm unsure of how this happened. I need these items deleted from my credit report. I have contacted the FTC and my local police. I'm doing this on my own behalf. XXXX. XXXX, DPTEDXXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, and account # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-20
Company: General Motors Financial Company, Inc.
State: MA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
DEAR GM FINANCIAL SERVICES ; I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
In XXXX and XXXX of 2021 I filed a dispute with XXXX, XXXX  and Transunion credit bureau about the inaccurate reporting of accounts on my credit profile first premier and united auto!. In these 2 months I have not received a notice in over 45 days and show that My dispute is even being investigated. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 2 months as of today which is a non-compliance of the FCRA. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT REPORT AND I WOULD LIKE FOR YOU TO CONDUCT A RE-INVESTIGATION INTO THOSE DEROGATORY MARKS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
Company: Navient Solutions, LLC.
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
My name is XXXX XXXX XXXX account number XXXX with lender-services NAVIENT. My loans were consolidated, however ; due to my limited income an IDR was submitted to NAVIENT which was approved for an entire year ending XX/XX/XXXX. 

Nonetheless - to my surprise my Federal and Sate Income Tax refunds for XX/XX/XXXX return were captured by the Department of Education Collections for default payment. 

Consequently - after hours and disconnections and run-around for days from one department to another within NAVIENT, they found no reason for the capture. Thus - I had informed NAVIENT I had spoken to the Department of Education, and The Department of Education Collections as too the IRS all indicated the demand for capture was from NAVIENT. 

NAVIENT denies or declares they made no such demand. I am perplexed confused how an agency such as NAVIENT doesn't know what the left hand is doing and vice-a-vice. And - The department of Education Collections received the captured Income Tax refunds, but will not be released until NAVIENT sumits a reversal to The Department of Collections to return my State and Federal refunds along with a letter indicating that the IRS and Collection agency have been formal notified that an error in judgement was done and removed from the files of the IRS and Minnesota Revenue

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
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:
One year ago, I purchased a bunk bed with a third sliding bed at the bottom, from XXXX XXXX ( furniture store in my town ) they gave me two lines of credit through Synchrony Bank for them so it was one for the XXXX  XXXX and the other one for the XXXX   XXXX. 

After delivery the sliding bed DID NOT fit the bunk bed so I called XXXX XXXX ( retail  store ) and they took it back, they told me that theyd be back to give me another on that would fit. Now after one year of giving multiple calls, store visits, calls and complains to Synchrony bank no delivery of the sliding bed has been given to me and the worst part I still have a debt to Synchrony Bank for a merchandise that I never receive. I informed Synchrony Bank about this since the beginning and about two months ago I spoke with them again I was told to re-visit the store one last time on behalf of Synchrony Bank to demand the sliding bed, the owner told them that he would do it for sure but he never delivered it. 

My frustration is that I informed about this to Synchrony Bank since the sliding bed didnt fit, they told me to wait for the delivery and if I dont get it, they would do a charge back. I asked them multiple times over a year to charge back the balance but the representatives all the time say I must request the merchandise to the furniture store. They destroyed my credit.

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 2021-11-09
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:
Hello, I sent letters out on XX/XX/2021.Huge violations are being broken by reporting inaccurate information on my consumer 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 non-monetary relief
Consumer complaint received 2021-02-16
Company: Square Inc
State: DC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I received a 1099 form from Square , Inc. for XXXX loan or something. I did not do this. 
I did not use this business, I did not receive the money, I did not apply to this business. 

I have tried to contact them, but no success, I have sent two emails to the organization to get information on this issue, I can not get a human person. I do not have an account anywhere. This is fraud, someone used my SS number and I can't access any thing regarding this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have complained 3 times already and I just want to know why this cfpb cant or will not step in when TransUnion just ignore and dont try to fix the problem because they know cfpb cant or will not do anything about them not doing any thing. I am sure the cfpb understands how these agencies control peoples lives with their credit scores. My other scores are XXXX to XXXX points higher and this has been ongoing since they hadnt name birth date and everything else wrong. I dont care what model they use for selected people ther shouldnt be able to stop people from making their situation better. I did see where TransUnion was disciplined by cfpb. They should be at the least investigated about how they come up with different scores for people with the same or better credit ratings.

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 2021-10-12
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I have contacted the credit bureau regarding the incorrect information on my credit report. I was informed to submit my information. I uploaded my information as well as mailed it. The items are still showing and need to be removed.

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 2021-11-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports and need to delete immediately : XXXX XXXXBalance {$0.00} XXXXBalance {$3000.00} XXXX-Balance {$350.00} XXXX-Balance {$12000.00} XXXX  ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX-Balance {$1400.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) -XXXX****-Balance {$1400.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXXXXX-Balance {$1400.00} XXXX XXXXXXXX-Balance {$190.00}

Company response to consumer: Closed with explanation