BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-23
Company: SYNCHRONY FINANCIAL
State: MI
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:
In late XX/XX/XXXX I filed for bankruptcy. My lawyer filed on XX/XX/XXXX. At the time I was not late with any creditors. My chapter XXXX bankruptcy was discharged in XX/XX/XXXX. In XX/XX/XXXX15 creditors suddenly marked my credit history as being 90 days late. I filed disputes with all three credit agencys. 7 of the creditors realized their mistake and removed the negative remarks on my credit reports. The remaining 8 creditors did not remove the inaccuracies. I filed complaints with each company and contacted each company. In XX/XX/XXXX I contacted XXXX. The agent at XXXX confirmed that all 8 creditors had wrong information listed on my credit reports. They all listed me as being never late. But each creditor lap showed me as being 90 days late but not 30 or 60 days late. XXXX  said the information was wrong and contacted all 8 creditors on my behalf. The creditors response was to remove all history of me making on time payments and changing my history from XX/XX/XXXX being 90 days late to XX/XX/XXXX pate late. Again this is incorrect information again.

The creditor are XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX. SYNCB Walmart. 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 2019-06-14
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I have contacted both XXXX  and Equifax and I have asked both companies to remove the fraud alert from my credit file. I have sent letters to Equifax and XXXX   along with the written request to remove the fraud alerts totally from my credit report, and in those letters I have included my driver 's license, a bill and a copy of my social security card, with the request and neither of them have removed the fraud alert from my credit report and it has been more than 30 days and neither of them have even responded to my request, and I have sent certified correspondence to both Equifax and XXXX so that I could prove they received and signed for the package including my request and they have not contacted me back after 30 days in anyway. 

The problem that I am having is that I am not being allowed to open bank accounts, credit cards that I do want because the companies state to me they will not establish these accounts until the fraud alert is removed in its entirety so this is preventing me from being able to conduct any personal financial business.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I have been enrolled in Experian 's TripleAlert credit monitoring for a number of years. On XX/XX/18 I received an e-mail from them telling me they were " upgrading '' me to a more expensive service ( $ XXXX/mo vs. {$4.00} ) which I never asked for, so I decided to cancel. There is no means of doing so online nor does the website give a mailing address -- only a telephone number and an e-mail address. On XX/XX/18 I called the telephone number which connected me to an automated system ; it asked me for various personal identification data ( which, oddly, did not include my account number ) and then told me they had no account on file matching that information and then disconnected. There was no provision for speaking to a human operator. I made numerous retries over the next several days, both to this number and to several other Experian numbers which I looked up ; all led to the same automated system with the same result. 

Meanwhile, I sent e-mail messages on XX/XX/18 and XX/XX/18 to the address given in Experian 's FAQ. I have not received a reply to either. I am effectively left with no means of canceling.

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 2020-05-11
Company: MONEY SOURCE, INC., THE
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 status incorrect

Complaint:
The Money Source Inc. transferred our mortgage to another servicer. They then reported our account as delinquent for over 30 days even though we no longer have an account with them. 

They failed to correct the issue after claiming they would. 

Then they failed to address the issue when I called in again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I recently pulled my credit report and i have a number of inquiries on my Transunion credit report that I did not authorize, or allow anyone employed by these companies to make an inquiry and view my credit report. This is a direct violation of FCRA section 1681b ( c ) and a serious breach of my privacy rights. 

I have added a fraud alert on my account during the time range that these inquiries were added to my credit report and notification should have been given to me before any of these inquiries should have been made. I would like these fraudulent inquiries deleted from my credit file immediately XXXX XXXX I XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/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 2017-06-21
Company: Experian Information Solutions 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 am filing this complaint because XXXX XXXX XXXX XXXX XXXX Experian has failed to remove unverified information off my credit report. I have provided documentation to prove that the information on my report is reporting incorrectly but the information keeps coming back verified. I provided a letter from a previous landlord as well as the eviction notice that was served after the property had been vacated to prove that the dates and accusations were false but the bureaus still continues to report this erroneous information. Also, there is a 3rd party collection agency claiming I owe them money for an account with XXXX. I contacted XXXX personally and they have no record of the account number or the social security number attached but this continues to report. I also had a creditor break the terms of the contract. The contract stated 1 weekly payment of {$29.00} but the creditor began taking 2 payments weekly without my authorization. Under section 611 ( 5 ) ( A ) of the FCRA - they are required to promptly delete all information that can not be verified, that I have disputed. Please resolve this matter as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-14
Company: Experian Information Solutions Inc.
State: TX
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:
On XX/XX/2019, I sent Experian a request to validate that Bankruptcy Chapter XXXX reporting on my credit file. Experian continues to report this inaccurate information. Have failed to provide a copy of any viable evidence submitted by Bankruptcy chapter XXXX. 
I have advised Experian that an employee looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt. 
Also, they need to be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 
They have not provided me any documents bearing my signature, showing that I have a legally binding contractual.

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 2019-06-14
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have been trying to deal with Navient for the past 2 years, and Sallie Mae ( when it used to own my loans ). I was initially told by Navient that my loans would qualify for loan forgiveness if i met the 120 payments starting 2007. its been over at least a year since i have fulfilled this requirement, and they are not telling me the following : initially, i was told that because of the kind of loan repayment, that i did not qualify for the loan forgiveness, now i'm being told that the kind of consolidated loan that i have does not qualify because it is not a Direct Loan, which was the kind of loan that i initially had before i consolidated it per their advise. Navient is creating different barriers to avoid the loan forgiveness ... and relabeling a loan so that the 'kind ' of loan is not satisfied even though all other criteria is met. this is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-19
Company: IQOR US INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I've been contacted by Allied Interstate, LLC twice. The first time, I just dismissed the call as " phishing. '' On XX/XX/19 I was contacted for the second time. When I answered the call, some Asian-speaking woman said something and hung up. So, I called them back. I get so tired of these kind of fake calls. 

A man came on the line, named XXXX, which I'm sure was a fake name, and he said that Allied is a collection firm. Then, he said we have a " personal matter '' to discuss with [ my name ]. Are you this person, he asked. I said yes. Then after I yelled several times " what do you people want, '' he said will you verify this address ... as yours? He had my address!!! I said XXXX no. I'm not verify anything that you want me to verify. 

Further, I said I have a FICO score of over 800 so I'm sure that nothing is in collection anywhere. I don't have any outstanding debts, let alone any creditor trying to get money that I haven't paid. I was so angry I hung up on the XXXX and blocked the phone number. 

I think they " phish '' for information like this. I don't have any outstanding debts for anyone that I know of. If I do, I would think that the companies that I have accounts with, would put this situation in writing before going to some collection agency or at least I hope they would. Otherwise, I don't think it would hold up in court. 

I've looked online for information about Allied Interstate, LLC, and they have an attractive website and do say that they are a collection agency. BUT, anyone can look legitimate this way. And, I've seen " hints '' by several people posting remarks about Allied, that this company is bogus and trying to get financial information from unsuspecting people. 

The phone number they used to contact me was XXXX which is probably as fake as they are. That is not the phone listed on their website. If they maintain that they are legitimate, please tell them to contact me in writing not by pone with complete details of the business that they are collecting for.

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 2019-06-14
Company: Experian Information Solutions Inc.
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: Account status incorrect

Complaint:
I was never late 30 days on this account and I have tried to resolve this with XXXX XXXX and to come to  resolution but never happened.

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 2021-06-24
Company: Square Inc
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
XX/XX/21 received in the mail a XXXX XXXX XXXX ( XXXX XXXX  ) from Cash App - PO Box XXXX XXXX XXXX XXXX, MO XXXX. I have not applied for any credit. I have signed up for XXXX 's Protection Program & with their assistance we have tried to reach out to both Cash App & XXXX XXXX  with no success. Thru further research found their has been several fraud complaints filed with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have several items on my credit that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report. 

XXXX {$300.00} XXXX {$680.00} XXXX {$2800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
There are 3 hard inquiries showing on my credit report. These were done on XX/XX/2019. The names are Syncb/amazon XXXX FL, XXXX XXXX DE and XXXX XXXX XXXX VA. I did NOT apply for credit with these 3 companies. Should I be concerned with identity theft?

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 2019-06-14
Company: Off Lease Only Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
I purchased a XXXX XXXX XXXX XXXX XXXX from Offleaseonly on XXXX XXXX XXXX in XXXX, Fl XXXX, on XX/XX/XXXX with a extended warranty. Things seem to fine ; about a week later I received the certificate for the extended warranty and it had the wrong make, model and vin number on it. I called XXXX XXXX ( finance manager ) that close the deal with me, she said she would check into it. Before I called her I called customer service and they contacted her, so on XX/XX/XXXX I called her and she text me back to say she was aware of the wrong info and that she would take care of it the next day. But that never happened. I have text messages of our conversation and also with whom I believe is someone from the warranty company saying that the vehicle I purchased was ineligible for the extended warranty. Now, I'm super concern of what I've gotten into. I immediately took the SUV back to them in the same condition I got it!, I left it in the front parking lot and I met with XXXX XXXX and left the key to the SUV with him. Since, that time its been a lot of lies and excuses everything but returning the check to XXXX and my {$500.00} to me as requested.That 's all I want so my credit won't be marred. I have proof of everything I've said. Unfortunately unable to provide. Checking with Attorney too!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
There is a entry on my credit report from XXXX XXXX XXXX. They claim I have a debt, but when I called, they are mean and will not provide me any documents pertaining to this loan. I am in the process of cleaning up my credit report and I seen there a many hard inquiries that are not mine. I have disputed this twice and they refuse to remove it but yet, they will not provide me any information. 

I have no details to report because I have no knowledge of this loan they are claiming I owe. Any help with resolution, would be appreciated. 

Thanks.

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 2019-06-14
Company: Arivo Acceptance, LLC
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My auto loan account XXXX with Arivo Acceptance has been an outraged these past few months. 

Early in 2019 I had requested a due date change with my account representative XXXX who with out notice or cause was changed leaving an open situation that no one could seem to resolve. 

I was told my due date was move from the XXXX of each month until the XXXX which is not was agreed upon. Trying to reach the original representative on my account has been impossible. 

I have been what I can say is harassed by this company as they changed my address on file after trying to cross reference my file and has been sending statements to an address Ive never seen or heard of. The new account representative XXXX who I never heard from prior to him reaching out demanding I pay my payment after one day past a due date I didnt agree to! I have made several payments and have sent sensitive bank information over via bank statement and have spent numerous hours sending emails and calls to this company to try to get the fees rectified that I was charged in error and we are still not to a resolution that is beneficial to me as the customer/consumer. 

I paid my both my XX/XX/XXXXand XX/XX/XXXX payments more than 2 times each, both with different banks, were returned to my bank due to an error with Arrivo Acceptance. Each time a payment was returned there was nothing effecting the available balance before or after each transaction and this information was sent to this company via bank statement and they failed to clear up the problems. 

I want someone to step in and assist with this companys bad business practices as of today it looks like I owe nearly triple of what I originally was due to pay.of {$360.00}. The due needs to be changed to a date that is convenient for me and I would like them to stop badgering me with calls but not fixing any of my issues.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On the letter dated XX/XX/2021, American Express stated that " However, we are not able to locate the two calls you referenced in which you requested a Card replacement. '' The statement indicated that American Express did not mail out any card until XX/XX/2021, one month after opening the account. And American Express did not have the tracking number of any prior shipments. So American Express deprived me of one whole month from completing the bonus requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-19
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint:
I want access to a specific account for funds. Im not getting the correct information. Also how my credit is scored is just wrong and not fair. My credit score is only calculated by using one maybe 2 of the three credit bureuss thus bringing my score down considerably. Also i have a lot of inquirys too many and most i have nothing to do with. I also question a XXXX XXXX XXXX i have the title to my truck but there still charging me monthly. Would like them to be investigated. There is a few other possible fraudlent accounts that im not sure of or is fraud. There is 8 inquirys that submit negative information on me there is no reason? Medical information being sent to others and used by someone im single no kids my medical information should not be used or shown by anyone, im discriminated against as it is.

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