BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-02
Company: CITIBANK, N.A.
State: NY
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:
My former request for you to make sure you present me along with the info as to whom you chatted to like the addresses and names of the person or persons got into contact with has unfortunately not even been filled. At the moment I am looking for a lawsuit and also have started the whole process of calling legal " counsel ''. I'm seeking for one final time that you still generate me making use of the important information that has been recently asked for and in addition to that make sure furnish me with a copy of the agreement settled or voice chat where I signed up charging me from this account.

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 2019-01-27
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 fraud alerts or security freezes

Complaint:
I tried to buy a washer and dryer at XXXX XXXX in XXXX Arizona on XX/XX/2018 and the store said that they could not get the information from Experian.We tried many times calling to XXXX with no help.The reference number is XXXX and the report code is # XXXX.XXXX XXXX number is XXXX.This is not the first time that this has happened and was very embarrassing.

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 2020-02-22
Company: COMMERCE BANK
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have already addressed this issue, and now commerce bank has put me back on the credit card and also my credit report. 
Link to last complaint filed- https : //portal.consumerfinance.gov/consumer/s/complaint-detail # XXXX Now it's back on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-22
Company: AG AH LLC
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had an interest refund due from ARC Home Inc., from my house sale. They were to refund {$510.00} to me via check to my new address which was furnished to them prior to the close on XX/XX/XXXX. I did not receive the check by XX/XX/XXXX so I called and spoke to XXXX who said that the refund check was sent to my old address. I waited until XX/XX/XXXX and the check had not yet arrived via forwarding USPS. I called and spoke to XXXX at ARC and he put a stop payment on the check and said he would issue a new check. That same day XXXX from ARC said that the new check would go out on XX/XX/XXXX. Today is XX/XX/XXXX and the check had not arrived. I called today and spoke to XXXX who said the check request was canceled because it has to be 30 days from the time of the first check to write the replacement check. It has been over 30 days and I guess if I had not called they would not have reissued the replacement check. In the meantime, the first check did arrive, but it is no good because there was a stop payment. I did find out that it was NOT sent out until XX/XX/XXXX even though it was printed on XX/XX/XXXX. XXXX said that the new check would be 'cut ' on XXXX XX/XX/XXXX but I doubt that it would be mailed out then. I asked for the check to be expedited due to the long wait for my funds to be returned. She said she could not do that ... I asked to speak to a supervisor and XXXX came on the line. He was condescending and non-cooperative. After enduring his total lack of willingness to assist me and when he asked if there was anything else he could do to assist me, I told him he had not yet assisted me in any way ... .I asked to speak to his supervisor and he said no one was above him. I then asked if he was the President of ARC Home and he said he would see if I could speak to another manager ... but I would probably have to wait 1-2 hours on the phone to do so. It was definitely a power trip. I still am without my funds and ARC Home 's employees are wielding what little power they think they have at the consumers ' expense.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
Company: Collection Consultants of California
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have health care coverage with XXXX. I was sent a bill because my employer had failed to update my summer health coverage. They paid the bill with XXXX directly in the Fall of 2014. I was later contacted by this debt collection company and they have refused to remove the erroneous claim from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
Company: SYNCHRONY FINANCIAL
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 status incorrect

Complaint:
Hello my name is XXXX XXXX, Okay so I opened up my very first account with XXXX XXXX, I applied for the secured credit card with the minimum XXXX $ deposit I deposited XXXX $ & the 3 months later I was able to get another secured card from XXXX  XXXX & I deposited XXXX $ for that one. In just a about a year my credit was great & was building up also because I got my first car which was financed it was a XXXX XXXX XXXX XXXX $ which I never made any late payments on neither did I ever make any late payments on my credit cards either. Then right before I was booking a trip to the XXXX XXXX since i had not seen my family in about 7 years i spontaneously got both my cards canceled & when I called the bank to ask why they canceled my accounts they didnt give me a reason & told me I still had to pay my remaining balances which were only 30-40 % out of my limit but I even asked if I payed it off which in total was like 7 or 800 $ if they would reopen my accounts & they told me no & that I am welcome to re apply for another card.. so honestly being that I was leaving in a week to see my family I didnt even want to care about that anymore & I thought I would be able to handle it when I got back but I ended up staying there for about 6months & that ruined my credit which I why I am in the situation that I am in now & id really love a miracle.

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 2022-01-12
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
There are XXXX inquires on my Equifax Credit report that are fraudulent, I have tried to dispute these inquires with the credit reporting agency, however I was unable to get a resolution from them. I am writing to dispute these three inquires on my credit report listed below that are fraudulent. 


XXXX. XXXX XXXX XXXX XXXX : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Requestor : XXXX XXXX  XXXXXXXX XXXX XXXX. XXXX XXXX  Date : XX/XX/XXXX Address : FXXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Requestor : XXXXXXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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: Problem with personal statement of dispute

Complaint:
I tried calling transunion credit reporting agency, to have a fraud alert and a freeze put on my account. The company TU, did the right thing and wanted to verify it was myself, XXXX XXXX, contacting them. I entered all the data they asked for, and the were to send a verification code to my phone. The code never came through. Whether the code was actually sent or not I can not verify, or whether my carrier failed to notify me I do not know. The company TU then tried to use information from my credit report that they maintain on file to verify. Understandable using a second verification process, a good idea! The problem : All the questions are generated by computer process. The questions are generated from information stored on my credit report! The questions asked by the automated system had answers reflected by the company 's reporting to the agency about my history as a creditor. I answered every question according to my knowledge of the loans inquired about. Every answer was ACCURATE! I GAVE NO ERRONEOUS answers. None of the loans I was asked about pertained to either myself or our household. As a result all of my answers were considered wrong, faulty disqualifying me to have my request honored. I now know I am being punished by the credit reporting agency for giving the right answers. The company cared little about the fact that the questions asked were in regards to erroneous information they had on record about me. 

I am frustrated angered and disappointed with this company. There is no easy way to resolve this issue. They are making a difficult situation worse. Policy took precedent over truth. Policy over service. I am at risk even more now because of an inept policy. I feel the company is at risk of liability of further damaging my stolen identity.

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 2019-01-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS
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 have hard inquires i never filled out any applications for these credit cards, bank loans they were all denied but have hurt my credit.ive called XXXX   they would not help in any way. This has ruined my entire life. I mee help. 3 capital one applications XX/XX/XXXX and 2 in XX/XX/2018, XXXX/XXXX XXXX Inquiry from XX/XX/2018, XXXX/XXXX Inquiry from XX/XX/2018, XXXX/XXXX Inquiry from XX/XX/2018, XXXX  Inquiry from XX/XX/2018, XXXX XXXX XXXX Inquiry from XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: EQUIFAX, INC.
State: MI
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:
After multiple attempts to have items removed from my credit report. I was turned away and treated unfairly concerning my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: EQUIFAX, INC.
State: UT
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 have been disputing negative items with the three major credit bureaus for over a year now and have yet to receive any results. XXXX, Equifax, or XXXX  have yet to provide me with any answers and I have erroneous items on my credit. So far, I have seen no progress nor have the bureaus been of any help. How is it possible that after over a year of disputes, they haven't received a single complaint of mine? There are serious inaccurate items reporting that must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
Company: CAPITAL ONE FINANCIAL CORPORATION
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 status incorrect

Complaint:
Hello my name is XXXX XXXX, Okay so I opened up my very first account with capital one, I applied for the secured credit card with the minimum XXXX $ deposit I deposited XXXX $ & the 3 months later I was able to get another secured card from capital one & I deposited XXXX $ for that one. In just a about a year my credit was great & was building up also because I got my first car which was financed it was a 2015  XXXX XXXX XXXX $ which I never made any late payments on neither did I ever make any late payments on my credit cards either. Then right before I was booking a trip to the XXXX XXXX since i had not seen my family in about 7 years i spontaneously got both my cards canceled & when I called the bank to ask why they canceled my accounts they didnt give me a reason & told me I still had to pay my remaining balances which were only 30-40 % out of my limit but I even asked if I payed it off which in total was like 7 or 800 $ if they would reopen my accounts & they told me no & that I am welcome to re apply for another card.. so honestly being that I was leaving in a week to see my family I didnt even want to care about that anymore & I thought I would be able to handle it when I got back but I ended up staying there for about 6months & that ruined my credit which I why I am in the situation that I am in now & id really love a miracle.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: EQUIFAX, INC.
State: MO
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:
I went to a car dealership and applied for a car. I was told my credit was only being pulled by one dealership. However, there are 13 inquiries I do not recognize and I did not give permission to any of these companies to pull my consumer report. There are also credit card inquiries I do not recognize because I never applied to any of the companies listed below. According to the Fair Credit Reporting Act, hard inquiries that were pulled without my request MUST be removed from my consumer report. Please have these unauthorized inquiries removed immediately, as it is harming my ability to obtain new credit. I would appreciate a copy of my consumer report once this issue is resolved. 

Unauthorized Inquiries : 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 2020-02-22
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am having a very difficult time with XXXX/NewRez. I have been approved for a modification and was making my trial payments. I was unable to get a hold of XXXX/NewRez durning the holidays and now am having trouble having XXXX accept my 3rd trial payment. I called to set up my 3rd payment on a payment arrangement for the XXXX. I was being recorded and I " Specifically asked if should post it for XXXX XXXX because ii wanted to make sure all funds were in '', he said i should be okay because they dont receive the funds until 3-5 business days. As long they receive payment within XXXX I will be fine. They will then send me new papers upon my mortgage agreement. I got an email notification about XXXX/NewRez received payment. I never gotten an XXXX alert from my bank claiming an insufficient fund. I called on XX/XX/XXXX because no answer during the XXXX XXXX Holiday. I talked to XXXX ( asking why they have not taken the money or fired XXXX ) who told me that the check came back and that there is nothing they can do for me except do another modification. My last payment ... he said if they took the money now it s for XXXX and XXXX would not be accounted for!!! I was almost in tears and explained what the other representative said to me. He really didnt seem to care! 

In the middle of trying to get this resolved with XXXX, my file was transferred to NewRez, and they are not following up on the complaint or trying to resolve.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
Company: Prosper Marketplace, Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
When I first joined the military I did a lot of pointless spending and therefore reached out to get a debt consolidated loan from prosper to put all my debts into one loan. Now Im discharging out the military and will not have steady income as of right now, so the payments of {$750.00} each month will be too much pay.

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 2019-05-14
Company: LEXISNEXIS
State: WA
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 have sent dispute letters certified receipt and asked Lexus Nexus their method of verification of a bankruptcy they list under my name in which they have not responded to within 15 days, they have not responded at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22
Company: Phoenix Financial Services LLC
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Received XX/XX/XXXX " Demand Letter For Payment '' for {$1200.00} from Phoenix Financial Services, LLC. 

On XX/XX/XXXX I sent a memo ( copy attached ) to Phoenix Financial Services, LLC with attachments showing this bill was paid in full ( {$1100.00} ) to XXXX XXXX XXXX XXXX XXXX XXXX. 

Received Phoenix Financial Services, LLC 's XX/XX/XXXX reply letter XXXX copy attached ) requesting front and back copies of checks.They completely ignored all payments were paid through XXXX XXXX online " my chart '' system and my balance due as of XX/XX/XXXX was XXXX ( {$.00} ) copy attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
Company: Experian Information Solutions Inc.
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:
All student loans were consolidated back in 2017. 

Several still appear on my credit reports ; erroneous to outstanding instead of consolidated. 

I have made payments for OVER Two ( 2 ) Years, CONSISTENTLY, Every Single Month - Yet the agencies and XXXX XXXX Student Loan servicing still shows me INCORRECTLY in Default! 

I Further REFUSE to sign their treacherous paperwork reaffirming this incredible, swelling debt beyond payday loan shark rates. It is one thing to pay for my graduate school education in finance, it is another to pay at rates beyond that of any mortgage, car, credit card or auto loan which would legally be allowed to be refinanced, let alone with CORRECT information! 

PROPER reporting is required! Show the on-time payments EVERY SINGLE MONTH!

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 2019-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
All student loans were consolidated back in 2017.

Several still appear on my credit reports ; erroneous to outstanding instead of consolidated.

I have made payments for OVER Two ( 2 ) Years, CONSISTENTLY, Every Single Month - Yet the agencies and XXXX XXXX XXXX XXXX XXXX still shows me INCORRECTLY in Default!

I Further REFUSE to sign their treacherous paperwork reaffirming this incredible, swelling debt beyond payday loan shark rates. It is one thing to pay for my graduate school education in finance, it is another to pay at rates beyond that of any mortgage, car, credit card or auto loan which would legally be allowed to be refinanced, let alone with CORRECT information!

PROPER reporting is required! Show the on-time payments EVERY SINGLE MONTH!

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 2020-02-22
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:
On Friday XX/XX/XXXX i received an email stating my account with Experian via creditchecktotal.com (  Membership ID # XXXX ) had been canceled. Because I know for a fact I did not cancel my account, I called the number in the email. It was an automated system. No live person. I tried several times and used all the options in the menu but to no avail. I went online and tried to sign in with my username XXXX and it gave me an error message stating to call a toll free number. It was a different number from the email but led me to the same automated system with no live operator. My account has been compromised and I can not get any help. I finally called XXXX and it got me to someone. I was transferred three times before I reached someone who told me my account was locked out due to too many unsuccessful attempts. I explained to the foreign agent that my account has been compromised because I received an email saying my account has been deactivated and no one can tell me how this happened. I recorded the call and Im sending it to XXXX and XXXX XXXX. After being on the phone thirty minutes, Im told I can not access my account for 72 hours. After 72 hours, the account still does not work and keeps causing an error. I even tried to create a new account, and the same error occurred after it took my {$1.00}.

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