BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-03
Company: CURO Intermediate Holdings
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I am a 100 % XXXX XXXX  on a fixed Veteran 's Disability compensation. My monthly income from my XXXX  XXXX is approximately {$3000.00}. I have additional monthly requirements to pay out of that amount including my car payment ( {$210.00} ) and insurance ( ~ {$200.00} ), credit card payments ( ~ {$500.00} ), shared rent/utilities ( {$1500.00} ). 

Around early XX/XX/2019, I was approached about a potential business opportunity that required I put in {$4500.00} as a " partner ''. This money wasn't readily available to me so I went to " Speedy Cash '' to see if I could get a loan. I provided my income and debt statements ( above ) to the processor. They said they could approve the amount- {$4500.00} - at 132.006 % interest. I did not understand what that meant but because I was trying to participate in this business, I signed the contract. 

At one point I was able to make a sizable payment- {$1000.00}- which I wanted to make against the principal balance. I had already had that month 's payment debited from my account. I went into the location, told the processor that I wanted the additional amount put towards the principal loan amount. Not only did they not put it against the principal as requested, they added it as an " additional payment '' without any change to the interest or number of payments to be made. 

I used my disability to make payments until the " business '' accounting could take over. I authorized auto-pay and the monthly amount of {$520.00} was debited from my personal account. When the " business '' could pay the loan, I called Speedy Cash and changed the payment account to the business bank. At that time I authorized auto-pay. The account was subsequently closed and I needed to use a debit card to pay the loan. 

When the account was closed, I called Speedy Cash to provide my debit card for a ONE-TIME PAYMENT for that month while I figured out the situation with the business account. This occurred at the beginning of the COVID-19 pandemic. Speedy Cash fraudulently used the card after the fact when they couldn't debit the bank account directly. I filed a dispute with the bank at that time. 

As a result of COVID-19, I was unable to make payments. I called Speedy Cash to request a deferment citing that I was financially impacted as a result of COVID-19. They would not provide any allowances for non-payment with a COVID-19 excuse. I repeatedly explained that I was on a fixed income and the my " business '' had suffered directly as a result of COVID-19 closures but they insisted that it be repaid immediately.

I made multiple attempts to work with Speedy Cash but they have not worked with me in any capacity. I've previously requested a copy of my payments vs balance only to be told it's not available. They have now reported this to the credit bureaus as a " serious delinquency '' and a collection 150+ days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05
Company: EQUIFAX, INC.
State: NV
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:
I filed a dispute letter with the credit reporting agencies in regards to inaccurate items reporting on my credit report. I never received notifications in regards to the investigation. It has now been over 30 days and still have yet to receive any response. My initial dispute was sent on XX/XX/2020 and my 30 day letter to comply was sent on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: ID Analytics, Inc.
State: NV
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:
Dear Sir/Madam, I hope this message finds you well. I am writing to kindly request your assistance in removing some information from my account. According to the law, medical bills under {$500.00} are supposed to be removed and it is a violation of my rights under 15 US code 1681 and 15 US code 1681b to have this information present. 

Additionally, I would appreciate it if you could suppress any negative information and update the report accordingly. I understand that it is illegal to place a charge off on a report and send a 1099-C to the debtor. 

Furthermore, I have noticed that the reporting across the bureaus is not accurate, and I kindly request that the information be removed immediately. I have attached the relevant report for your reference. 

Finally, I would like to raise a concern regarding the difficulty in accessing my online account. I believe it is unfair to have to pay to see my own data, and I would appreciate if the Consumer Financial Protection Bureau could investigate this matter. 

I would greatly appreciate it if you could attend to this matter as soon as possible. Thank you for your time and assistance. 

Best regards, XXXX XXXX XXXX Account Information : Original Creditor : XXXX XXXX XXXX Balance Details : {$480.00} ( 0 % paid off, balance updated on XX/XX/XXXX ) Account Number : XXXX Date Opened : XX/XX/XXXX Account Type : Collection Status : Seriously past due date / assigned to attorney, collection agency, or credit XXXX 's internal collection department ( status updated in XX/XX/XXXX ) Contact Information : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Phone Number : ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I have never lived at XXXX XXXX XXXX, Never lived at XXXX XXXX XXXX, XXXX XXXX CA. I have never worked at XXXX XXXX XXXX ... ..I would like all this taken off my credit. Thank XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
I filed a dispute letter with the credit reporting agencies in regards to inaccurate items reporting on my credit report. I never received notifications in regards to the investigation. It has now been over 30 days and still have yet to receive any response. My initial dispute was sent on XX/XX/2020 and my 30 day letter to comply was sent on XX/XX/2020.

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 2018-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 contacted Transunion on more than one occasion to dispute the validity of the reporting of XXXX XXXX XXXX  listed under my credit file. They continue to simply mark this reporting as verified. However, another bureau 's investigation revealed XXXX XXXX XXXX   is not reporting a valid debt as there is no signed and dated Notice of Assignment from the original creditor. I would like to know what Notice of Assignment Transunion has seen that no one else has received? I took it a step further and sent Transunion a second request for removal and attaching a copy of the deleted reporting from the other bureau and still the reporting remains. I have already filed against XXXX XXXX XXXX for this reporting violation. It is only fair that I file against Transunion as well, since I have reached out multiple times in the last six months for them verify the compliance and validation for this error reporting under my name. Since this is not a new issue, I am only waiting 15 days ( XX/XX/2018 ) before I file a complaint with my Georgia 's Attorney General Office against Transunion for violating my rights as a consumer who has asked on numerous occasion that this reporting be properly verified. Others have found no validity, yet Transunion continue to say is it verified.

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 2020-11-27
Company: Westlake Services, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I have a car loan with Westlake financial bank and they take the car last year and they give me offer to pay {$950.00} and close the account I didnt have the amount in XXXX they call me and I take with customers service and I give them offer to pay {$400.00} and then next month {$200.00} and close the account they say yes I pay the {$400.00} and when I called this month to be the {$200.00} they tel me we cont make the deal I told them you Broke the deal that we made and thats illegal I want my money back and they refuse do anything

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 2021-01-22
Company: CITIBANK, N.A.
State: RI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Citi bank. I was impacted by COVID throughout the year and was able to get a forbearance on two months earlier in the year, resumed my payments afterwards but then was out of work during the small portion of the end of the year until recently in XX/XX/2021. I tried asking for assistance with the payments to be lowered but instead, my minimum payment raised and I was flagged on my credit report for one missing payment after they refused to do anything about my situation.

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 2018-02-06
Company: Neighborhood Assistance Corporation of America ("NACA")
State: AL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I placed funds in an escrow account to cover repair expenses after closing on my home. I was advised I could pay for the repairs out of pocket and then be reimbursed from the escrow account that I put funds in before closing by submitting a draw request with receipts/bank statements and Notarized documents from the companies showing that a lien had not been placed on the property. I submitted all the information request yet NACA refuses to reimburse me from the escrow account that I put funds in to cover the repairs. I have reached out to them numerous times regarding this and request that someone from upper management contact me. All tries to resolve this have fallen on deaf ears. I have only gotten I reply that the funds are being applied to the principle of my home which is not what I requested. I want to be reimbursed for the repairs that I have paid twice for, furthermore the funds were not even applied to the loan. This has been going on since XXXX XXXX  2017.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22
Company: EQUIFAX, INC.
State: NE
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:
Equifax ; XXXX and XXXX  are reporting incorrectly a collection in the amount of {$2300.00} on XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account was originally with XXXX XXXX. The money borrowed on the credit card had a term of ( 12 ) months at 0 % interest. I was making the required monthly payments on-time. XXXX XXXX did not honor the terms of the agreement and started to charge interest prior to the expiration of the promotional period. I was continuing to make the monthly payments without knowing that the payments that were being made fell short of the monthly amount due. I was never notified that XXXX XXXX had started to charge interest ( prematurely ) and that the monthly payments had changed. It came to my attention that this account went to collection when I obtained a recent copy of my credit report. This account has since been paid and should not be reporting as a collection. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22
Company: Experian Information Solutions Inc.
State: NE
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:
XXXX XXXX Experian and XXXX are reporting incorrectly a charge-off of {$13000.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The vehicle was sold at auction and any remaining balance that was due I paid in full. There is no outstanding balance due and owing and therefore nothing to charge-off. This incorrect reporting of a charge-off is seriously harming my credit score and this line item needs to be either removed and/or updated to reflect accurate information on my credit report. I have contacted the ( 3 ) bureaus to remove and/or update these items however, I have not been successful.

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 2017-09-24
Company: CITIBANK, N.A.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Can you please ask Citi Bank to close my account for XXXX XXXX XXXX XXXX thank you XXXX 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 2020-05-21
Company: EQUIFAX, INC.
State: MI
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 tried to apply a temporary unfreeze of my credit at my.equifax.com following Equifax 's web site links. I had previously created an account with Equifax. When I tried to log in, the web site informed my I needed to contact Equifax at XXXX. When I called I was informed that I could not use the online system with a vague " based on the information that you have provided during the account creation process ''. I later received an email from Equifax stating I can only freeze and unfreeze my account via mailing a form or calling them. The following is the bulk of the email " We appreciate the opportunity to address this matter and apologize for any inconvenience you have had so far accessing your myEquifax account. 
Upon further review, the option to utilize the online website, MyEquifax is not available to you. This decision is based on the information that you have provided during the account creation process. 
There are alternative methods to place a security freeze or fraud alert that is recommended for you that includes sending your request by mail or by phone '' I feel I am being discriminated against for an error I unknowingly made that I can not correct. Why can I call, wait 45 minutes for someone to add/remove freezes on my account and not do the same online. 
What really concerns me is, with Equifax 's previous lax security measures, that there are errors in my credit file held by Equifax such that Equifax has the incorrect info preventing me from accessing the data online when I present the correct info.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
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: Information belongs to someone else

Complaint:
I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
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 written several letters to Bank of America, who is falsely reporting my account : 1. They are falsely reporting that I made {$500.00} payments onXX/XX/XXXX andXX/XX/XXXXto account # XXXX to re-age the account. No payments were made.

2. They are falsely reporting an account number that I never had.

3. They are reporting the date of last payment as XX/XX/XXXX, yet report the date of first delinquency asXX/XX/XXXX, which is false and in an effort to keep negative information on my CR longer.

4. They are falsely reporting that this account meets FCRA requirements in the remarks section. The FCRA does not allow Bank of America to make false statements.

5. In XX/XX/XXXX, they reported the debt through form XXXX using the original account number and a different balance. Balance was incorrect.

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 2020-09-05
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I received a fraud alert from Synchrony Bank for my TJXRewards MasterCard, showing that someone used my card on Amazon. I contacted the fraud line to cancel my card. I asked if there was a data breach bc I never use this card ( I opened the account several years ago to get the % discount off a large purchase at the time ). There is no other way for someone to have accessed this cards info except for two places : 1-the TJMaxx store database or 2-the Synchrony Bank database. There has been no notification of a breach as of XX/XX/2020, the date I am writing this and the same date I received the fraud alert via text message. If there is a larger breach, the company needs to release that information to the card holders and its phone operators as to be fully transparent. This has happened before with TJX, so its quite possible they have been attacked again.

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 2020-05-21
Company: Capio Partners, LLC
State: NH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I received a notice from Casio partners saying they wanted to collect a debt owed to XXXX XXXX XXXX of {$1500.00} that was incurred XX/XX/XXXX I have never received a bill or call previously about this and have no medical problems or injuries that would have caused this bill I called Casio and asked what generated this and why I have never been contacted by anyone previously since it was from XX/XX/XXXX and have lived at the same address since XXXX. There has also never been anything else related to this on my credit report I was told it was up to me to find out why I supposedly owed this and what for I told them I wouldnt even know where to start looking and I dont owe it so I would retain a lawyer to help me get this off my credit and was told if I got a lawyer they woul not give me any XXXX regarding the debt.??????? 
This also shows up only on my transunion report and also like it started on XX/XX/XXXX when theyre letter says it is from XX/XX/XXXX Please help me with this as I feel I am being pressured to pay a debt thats not mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-20
Company: Guidiville Indian Rancheria
State: OH
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
Left vm in parents can that they were charging me with XXXX counts of fraud the phone number that showed up on caller id was XXXX county clerk of courts but number on cm call to resolveissue and not be charged was to call XXXX XXXX XXXX, then when I called them it went directly to there be no company name or employee name they returned call next day from now a Georgia phone number to call the same XXXX number when I called he was rude and his vm stated they would file for willful evasion. When I asked why they did n't send me written letter he stated he was not a collection agency so they did n't have to that he was a law office and when I asked company name he told me XXXX XXXX. He said I had balance on a pay day loan of {$350.00} but would settle today for {$200.00}.

Company response to consumer: Closed with explanation