BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-08
Company: Experian Information Solutions Inc.
State: NY
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:
as of XXXX my experian? FICO credit score erroneously dropped more than 70 points. It appears the algorithms are geaed to looking at a high balance and immediately attacking you credit score without waiting to see if you XXXX out the balance like I have. These mistakes often take months to resolve beciase of the software bug in your algorithms.

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 2018-02-18
Company: AFNI INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Company AFNI is stating that they're attempting to collect a debt in the amount of {$220.00}. These was never a debt own to XXXX at anytime. I did in fact reach out to XXXX and they stated there has never been a debt with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-18
Company: Experian Information Solutions Inc.
State: FL
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:
There is an issue with the reporting agencies using their own methods of scoring a FICO score. I read on the FICO website that the agencies are allowed to use their own method to score a FICO score, WHY? IF businesses are using a FICO score in which the standard of that score keeps changing, then how is that Fair Credit Reporting? I recently needed a FICO score for a home mortgage application and the FICO from all three agencies were vastly different with the bottom score being 80 points lower from the top score. Needless to say I didn't get the loan. These agencies need to be held to a single standard if businesses are going to use them in their credit reports and analysis of peoples credit applications.

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 2020-08-27
Company: Experian Information Solutions Inc.
State: AR
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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. US DEP ED XXXX {$37000.00} XXXX XXXX XXXX XXXX {$24000.00} XXXX XXXX XXXX XXXX {$1700.00} XXXX XXXX {$1100.00} XXXX XXXX XXXX {$130.00} USDOE/XXXX   XXXX {$3300.00} XXXX XXXX {$4000.00} XXXX XXXX {$19000.00} XXXX XXXX {$530.00} XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX {$650.00} US DEP ED XXXX {$61000.00} USDOE/XXXX  XXXX {$4700.00} XXXX XXXX   XXXX {$2600.00}

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 2020-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. US DEP ED XXXX {$37000.00} XXXX  XXXX XXXX XXXX {$24000.00} XXXX XXXX XXXX XXXX {$1700.00} XXXX XXXX {$1100.00} XXXX XXXX XXXX {$130.00} USDOE/GLESI XXXX {$3300.00} XXXX XXXX {$4000.00} XXXX XXXX {$19000.00} XXXX XXXX {$530.00} XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX {$650.00} US DEP ED XXXX {$61000.00} USDOE/XXXX  XXXX {$4700.00} XXXX XXXX XXXX {$2600.00}

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 2020-08-27
Company: Santander Consumer USA Holdings Inc.
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
on XX/XX/2015 I financed a vehicle with Santander Consumer USA in the amount {$14000.00}. After over 5 years of payments I now owe Santander {$12000.00}. After XXXX payments on the account were paid I have paid a little over {$22000.00}, and somehow I still owe Santander {$12000.00}? This is robbery. By the time I'm done paying off this {$14000.00} vehicle I would have paid more than {$34000.00}. I have contacted them numerous times to work with them to reducing the interest rate. All of which has been denied. This should be illegal. I have tried to trade in the vehicle and finance with a different company to attempt to just get out of the loan and the cost would outway the worth. This company needs to be sued. They are theives and practice predatory lending. I would do anything to get out of this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30
Company: CNG FINANCIAL CORPORATION
State: MI
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/XXXX XXXX XXXX XXXX attempted to call my phone approximately 25 times in a 1 minute period. The next day they attempted to call me over 60 times in a one minute period. I asked them to stop this practice. As of XX/XX/XXXX they began this practice once again by calling my phone approximately 25 times in a one minute period. They also called me again on the XXXX 25 times in a minute period.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02
Company: Bread Financial Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
PayPAL bill me later continues to call me multiple times after sending debt validation letter.
Rep called me after  XXXX  multiple times in the month of  XXXX , I answered the phone once and told her it was against the law to call after  XXXX  Rep said " sorry I must have not refreshed the time ''.
I also sent a debt validation letter and have only received statements regarding the account. The company did not provide me with a valid contract that I signed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05
Company: Experian Information Solutions Inc.
State: UT
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 paid my account to XXXX in full as of XX/XX/2018. XXXX, XXXX XXXX ( their lawyer ) and all three credit report agencies are not updating my credit reports to show this is a satisfied debt. The CRAs said I have to contact XXXX to have it updated. I contacted XXXX twice by mail with proof of payment from my bank and proof from my letter from the lawyer that it is satisfied. XXXX sent me letters saying its correct on my report. No its not. Its still showing as a collection account. Its paid. Plus its showing under XXXX and XXXX XXXX XXXX as a bad debt!

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 2020-06-04
Company: Experian Information Solutions Inc.
State: MO
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 following accounts are unknown and unauthorized by me. My identity has been compromised in numerous ways to the point that i can not just pin point the exact source. Years ago my identity was lost with my wallet. But I also know i been a victim of the dark web as well as the infamous XXXX   breach. All these episodes are beyond my control. Therefore, I'm demanding that the following unauthorized accounts be removed and block from my credit file immediately. 

1 ) XXXX XXXX XXXX {$120.00} 2 ) XXXX XXXX XXXX {$320.00} 3 ) Dept of ED/XXXX  {$7700.00} 4 ) Dept of ED/ XXXX {$5100.00} 5 ) Dept of ED/ XXXX {$5700.00} 6 ) Dept of ED/XXXX  {$5000.00} 7 ) Dept of ED/XXXX  {$1600.00}

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 2021-01-11
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Good day! 

I received your information through the FTC and also the XXXX XXXX XXXX XXXX authorized by the Federal Government. 

In short, I've been plagued by a series of constant errors by the credit agencies which after researching and jumping around in hoops, is clearly the result of either : A ) Institutional bias against minority groups and denying people access to credit ; or B ) Malpractices internally at these organizations I would like to formally request a review and possible indictment of the leaders of these organizations to ensure that we are not jeopardizing working families and people trying to survive as well as grow the US Economy. 

I have evidence that I would like to submit privately or on a separate channel. 

Thank you and be safe! God bless!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
I had a Visa Credit Card issued by Capital One stating that it came with extended warranty protection as a benefit. 

I had an item break within the extended warranty period. I submitted for claims in timely manner and complied with instructions. 
The warranty is managed by a third party through Visa. 
The company did not respond to emails, a supervisor later told me over phone ( claim # XXXX, talked to XXXX ) that emails are not read, and that therefore information submitted via them does not count as submitted. I read back the auto-reply from emails that clearly states emails are reviewed and will be responded to. Because the submitted information was not read, the claim file was closed as incomplete. I called Capital One, the card issuer, to resolve this issue. After speaking with their contracted company, I was told that despite me having evidence that I responded to all emails in a timely matter, no further review would be made ( this was all with Capital One on the phone ). I was then told that Capital One was 'not responsible ' for the issue as it was an outside party that provided the insurance, despite advertising that the card carries such consumer protections. 

For reference the last employee I spoke to at Capital One was a supervisor named XXXX, employee ID # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: Radius Global Solutions LLC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Radius Global Solutions contacted me regarding debt collection and on XXXX XXXX, their written communication was responded to Im writing in which it was made clear that I am a victim of identity theft and needed further information from them but they were also informed to cease and desist. Following my complaint, I have recorded continuous contact being made by this company despite my request. On XXXX XXXX I mailed the company another letter informing them of my rights as a consumer and requesting that the stop contacting me everyday except to provide my requested documents by mail. Today at XXXX the company contacted me by phone again violating my rights as a consumer. The calls are a complete disregard for the rights allotted to me as a consumer and are harassing.

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 2021-02-08
Company: U.S. BANCORP
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There is unknown hard inquiry on my credit reports. Im requested the verification of the inquiry and the method of verification. US BANK XXXX Inquiry Date XX/XX/2019. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.

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 2017-08-06
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
American express gift cards. My wife has about {$3000.00} in XXXX XXXX gift cards from being in a XXXX XXXX company for being a XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The cards are almost impossible to use. Tthe XXXX company is impossible to talk to [ XXXX ] or text/email to. The print on cards is too small to read. Just XXXX XXXX XXXX fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: Atlanticus Services Corporation
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:
Around XXXX of last year I noticed several fraudulent accounts on my credit report. I submitted multiple notices and requests to each major credit bureau asking them to block the fraudulent accounts. I also sent notices to the creditors involved. To this day they are still hurting my credit score by reporting fraudulent accounts, this constitutes the crime of defamation. I sent Fortiva a request to block a fraudulent account that is being reported on my credit report. The account in question was not opened by me nor did I benefit from it being opened, it was opened as a result of identity theft. The request was sent via certified mail recorded delivery. The company has not responded to any of my letters over a 6 month period.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-18
Company: Ocwen Financial Corporation
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Applied for a loan modification with Ocwen and we were offered a three month trial plan. We made the payments every month and waited for the final agreement to be mailed to us. We hadnt received it by the XX/XX/XXXX so I called my relationship manager. She emailed it to me so I printed and had my husband sign it. We had a notary sign it and I sent it in to Ocwen. They said they never got it so I sent it again this time overnight. Ocwen received the paper work but because it wasnt stamped by the notary they denied the loan modification. So they told me to reapply for another modification. I sent in the application and they denied it within 2 days saying our circumstances hadnt changed since the last modification so the only option we had was to pay {$6900.00} or try to do a repayment plan over an eleven month period. They told me I could appeal the decision and see what would happen. Ive talked to a million people at Ocwen and most have them are really being rude with me. I finally called the ombudsmen office and surprisingly was able to talk to some American people that I could understand and they agreed to try to help me. One of them submitted a request to have the modification denial reversed but they havent given me an answer as of yet. I just want to keep my home and not be in a foreclosure situation

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13
Company: Experian Information Solutions Inc.
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: Public record information inaccurate

Complaint:
As of XX/XX/2017 public records items were " deleted '' from my report ( see enclosed doc ). The items have been added back to my report in violation of FCRA regulations. Please remove items an take the necessary steps to prevent them from returning ...

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 2020-08-27
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
For the following accounts, I have disputed online, by fax, and through mail and the errors still have no been fixed by all credit bureaus. Some things that one or two credit bureaus deletes, one or two will NOT delete and I don't understand HOW, as it is the EXACT same information. I have been disputing for years, but very heavily began disputing more starting in XXXX of XXXX. 

1. XXXX XXXX : The payment history is incorrect for both accounts negatively showing. I have disputed by mail many times. I have attached TWO pictures of XXXX  which I pay {$39.00} for monthly to monitor my credit. For some reason, Equifax continues to have my payment history reflect inaccurately. I have NEVER been late. XXXX  shows the correct info in that I paid as agreed, yet Equifax shows that I am at least 120 days past due for one account and 30 days past due for another XXXX account. Please correct this and update my payment history as CURRENT, NEVER MISSED A PAYMENT, {$0.00} balance. Thank you. 

2. XXXX : This account was purchased by another lender XXXX XXXX, also known as XXXX XXXX XXXX XXXX and was paid in full and requested to be deleted from my credit report THREE times, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. They deleted the XXXX  tradeline, but not the XXXX tradeline which is reporting negatively on my credit when I have no negative history with them. They can not validate any information either. This is reporting on ALL 3 of my credit reports with Equifax, XXXX, and XXXX. PLEASE DELETE THIS TRADELINE, as it is unethical to reflect on my credit report. 

3. XXXX XXXX  ( Balance {$5400.00}, last updated XX/XX/XXXX ) : there was fraud committed in my name and by using my SSN. Equifax and XXXX  have DELETED the account from my credit report as of XX/XX/XXXX, but XXXX  has NOT followed suit and deleted this inaccurate information. There have been no debt validations sent to me showing my signature or anything. I have fraud alerts with every credit bureau, as I have dealt with identity theft since before I was XXXX years old. PLEASE DELETE THIS TRADELINE XXXX, as it is UNETHICAL to reflect on my credit report. 

4. XXXX XXXX XXXX XXXX : This account is in good standing showing paid as agreed by XXXX  and Equifax, but XXXX still reflects a charged off amount of {$3700.00} that I do not owe. It has been paid in full and should reflect that. Please update account to PAID IN FULL and PAYS AS AGREED and close and take out of charge off status. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have some recent concerns about identity theft and have been trying for a couple of months to have Experian put a security freeze on my credit reporting. I have set up an online account with Experian and despite being authenticated for an online account have been unable to process a security freeze through Experian 's portal, which indicates that I can not be authenticated and must submit by mail. 

I submitted all of the requested information in writing to Experian to process a security freeze by mail on XX/XX/2020. This submission was almost 60 days ago and I have not heard back from Experian, whose automated phone system indicates a stated turnaround of 10 days. 

I have tried contacting Experian customer service, but all that is available is an automated number with dead end call trees and no live person. I was able to process a credit security freeze with all of the other credit reporting agencies within two weeks - most electronically. 

It is clear to me that Experian is not a company that cares about consumer protection. It clearly does not want to support freezes, pushing consumers to pay for its credit lock service instead.

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: 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: Information belongs to someone else

Complaint:
THE DISPUTED ACCOUNT AND INQUIRIES DOES NOT BELONG TO ME, THOSE ITEMS WERE INACCURATELY PLACED ON MY CREDIT FILE. PLEASE HAVE THOSE NEGATIVE ITEMS REMOVED OFF MY FILE.

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