BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-05
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXXXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for XXXX  days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX  remove the inquiries and its been XXXXdays XXXX  they record the calls XXXX   admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX  now im XXXX  XXXX  cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: RedBrick Financial Group Inc.
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
In XXXX, I had a sewer backup and the cost was high ; so my plumber applied for a loan for me with Redbrick Financial. I pay my bill on line and I receive a receipt plus my bank send me an alert when any monies is withdrawn. Reason being I have had my identity stolen twice and fir that reason I do not want any mail sent to my home. 

On XX/XX/2020, I received a confirmation of my payment in the mail ; however I had already receive the confirmation online for which I printed out. After receiving Redbrick mail I phone them on XX/XX/2020, and requested that I DID NOT want to receive any my because of privacy issues. My neighborhood has porch pirates and dumpster divers. Having my identity stolen was a lot to deal with and I DO NOT want to go through that again. All my other bills ( mortgage, car loan, credit cards, light, gas, water, insurance, sewage ) are sent through email so why can't Redbrick do the same, they have my email address! I very seldom receive mail except for junk mail. 
I WANT REDBRICK TO STOP SENDING MAIL TO MY HOME, REDBRICK BILLS ME THROUGH EMAIL. Their respond was NO, they will continue to send confirmation because it's the law in Iowa.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I have a public record entry that was placed on my credit report and I have been trying for over 5 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 4th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX  verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 3 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. XXXX refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy is mine.

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 2019-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 have 13 hard inquiries on my credit report. I only recognize 3 of them.

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 2021-07-13
Company: Experian Information Solutions Inc.
State: TX
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 did not authorize this inquiry on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: Credit Control, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I received a letter from Credit Control LLC dated XX/XX/2020 indicating that I promised to pay an amount certain on a future date. 

1 ) I never verbally or in writing made any payment commitment, 2 ) How can I make a commitment on a date in the future?

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 2018-05-04
Company: BlueChip Financial
State: LA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Called from a private number. Their number does not show. They left a message saying serving me with papers. I called back. XXXX wanted to argue that number 1, the company he supposedly is collecting for I never had a loan with ; number 2, he says he mailed me at my home address, lie, I can not receive mail at my home address - XXXX XXXX must be used or mail will be returned ; 3, said they had served me court papers and there was an open civil case that has gone through court. Called the local civil places. Another lie. Called the company he supposedly is collecting for, they can not locate any loan for me. HE REFUSED TO GIVE ME THE COMPANY NAME HE WORKS FOR, said he would transfer me to LEGAL DEPARTMENT which then he came back on the line. Called back after I spoke with the loan company and another guy supposedly ( same voice ) stated that they had mailed me and they are under no obligation. I informed him that this state REQUIRES YOU TO MAIL IF REQUESTED. Then he said he had to my physical address. NOT POSSIBLE. Then he said to my email. NOT POSSIBLE. I reply to all of these stupid emails advising IF THEY ARE LEGIT to MAIL ME and I provide my XXXX XXXX . NO ONE HAS EVER SENT ME ANYTHING.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: SYNCHRONY FINANCIAL
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This complaint involves Synchrony Bank. 
1. A/C No. XXXX -- XXXX XXXX store card. Balance as of XX/XX/2020 -- {$810.00} -- - Because of twodeaths in the family my obligations increased. Added to this is the collapse of my XXXX XXXX XXXXs. I am forced to be a XXXX XXXX  now. 
I requested breathing space. But Synchrony Bank continued calling at odd hours resulting in no peace in the family. 

2. The second obligation relates to Dentist Services financed by Synchrony Bank. 
The Account No. is XXXX -- Balance {$500.00} to {$600.00}. 
Synchrony Bank was informed that I understand my obligation but I need breathing space and time. Still Sunchrony  Bank keeps on calling at odd hours.

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 2020-04-27
Company: Experian Information Solutions Inc.
State: IL
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: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND 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 2020-06-22
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
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 a previous complaint with CFPB ( complaint number XXXX-XXXX XXXX XXXX agreed to credit my account and remove the late reporting, well they never done it and still appearing on my credit report damaging my score for months. Because we have access to only one free annual credit report per year I only catch the problem now. 
The complaint was closed with the resolution they proposed but they never kept their word, this is causing me to pay a higher price for everything else because of a lower score and late payments marked on my credit very unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
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 had a Bank if America XXXX XXXX  Visa card where for 6 months I called/faxed/completed numerous auto pay forms. 
I was told auto pay was set up in XXXX, would take 60 days to " activate '', called XXXX XXXX XXXX to confirm and was told auto pay was active and activated. 

I was then charged fees when it did not " auto pay '' correctly, and reported as 30 days late. I called to dispute and all fees and interest were reversed as it was plain as day there was an " auto pay error '' = it should have processed the payment from my asset account linked with auto pay that had funds available. But it did not. 

Please see the ledger notes confirming " bill pay error ''. There are a total of 58 comments on the ledger.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25
Company: Experian Information Solutions Inc.
State: AZ
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:
Experian always has the incorrect information on my credit report and each time I reach out to them they either never finish the dispute or report back that the company confirmed the erroneous information and just leaves it at that even though I have on occasion provided written proof that the information is incorrect. Since credit scores and information are a necessary part of a consumer 's life any credit reporting agency that fails in their duty to maintain 100 % accurate information should lose it's business license since these erroneous errors can and do cause hardship to consumers.

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 2020-04-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Hello Dear CFPB Please assist me to reopen my Capital One Business and Personal Cards that was closed for no reason. 

I used card and made large payment and account at first was restricted then after couple days i called to get information why my account is in restricted status. I was informed that the reason is they want to verify my payment and asked to send my XXXX business checking account statement and ID, which i did sent all information. After couple days i called to follow up and spoke with supervisor and was asked to send also my XXXX checking account statement and sent me link to upload which i did submitted and requested information while i was on the phone and she removed restriction and told me everything is ok. 

Next day i received email notification that my accounts has been closed. 


the reason i received letters are, We are closing this accounts because of activity on this or another account is not consistent with out expectations for account usage and violations of the Capital One Customer Agreement. 


I have done nothing wrong. 

Please assist me to reopen my accounts especially this crisis sitatuion that we need to operate. 


Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I had to file several valid disputes in which Usaa flag my acct and restricted my debit cards without proper notice before or after I contacted them about my cards not working. I was told I would have to possibly wait well past 90 days until all disputes have been resolved before I am able to even use my debit card again. It is my right a dispute so am I being accused of fraud from my own bank and beyond me and is absolutely unfair. From my understanding per usaa depository agreement I should have been properly notified and I never was.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: I.C. System, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a voice message in XX/XX/2020 from collection Agency, IC System. It took me about a week to follow up with them, due to Covid 19 issues, to determine who they were and contacted them via telephone. The agent indicated that said debt was from company XXXX, which an online search reveals they provided internet/cable services. I informed the agent that I have never done business with XXXX  and that I believe this is identity theft as XXXX  does not service the XXXX XXXX area. The agent asked me to contact some other telephone number, I did not, but did send them a letter asking for verifiable validation of the debt, on XX/XX/2020. The letter also stated that IC System was not to take any action, that would be detrimental to my credit report, but on XX/XX/2020, I received a notification from XXXX  Credit reporting Agency, that there had been a change to my credit report. Upon review, there was a collection entry from IC System for the amount of {$440.00}. Subsequent, and in response to my letter that I sent them dated XX/XX/2020, I received a " collection notice '' from IC System, dated XX/XX/2020????. IC System took action that resulted in detriment to my credit history and credit score and because this debt is unverifiable and not validated, IC System violated the Fair Credit Reporting Act : Section 609 ( a ) ( 1 ) ( a ). They are required through the physical verification of the signed consumer contract - for all accounts you post on a credit report. They are in violation of law! In  addition, while reviewing my accounts with XXXX  and XXXX  yesterday, they too received the same collection credit reporting from IC System. I am outraged that this collection agency can break the law, ruin your credit and have little to no repercussions. I am fighting back!

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 2021-09-17
Company: Security Credit Services, LLC
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In XXXX i took out a loan from a company called XXXX XXXX but soon after had health issues and loss of income which caused me to default on loan and loan was charged off. I had no contact with XXXX XXXX on this loan for over 6 years but did recieve offers for new loans from them. I did not accept any offer. In XX/XX/XXXX i checked my credit report and found a new collection account from a company called Security credit was placed on my report as an open account from XX/XX/XXXX. I did not recognize the account so i disputed its validity thru XXXX on three seperate occasions. Only after the third dispute did security credit send me a letter with originator information and ammount as well as an proposal to settle for 50 %. I have not replied to this as I was never been notified before loan was placed on credit report, and never had the opertunity to dispute this account. I am currently sending a cease and desist letter as outlined in the FDCPA and FDCRA to security credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
i have an auto loan with santander and i am unable to make payments online or on the phone. Every month i am getting fess and late payments because i have to pay XXXX extra dollars to XXXX to make my payment. i have asked them about it over and over and they just say they dont know why i cant make the payment online or over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I closed and sold my property on XX/XX/16. Fifth Third Bank received the pay off for the amount they disclosed as the payoff amount. This amount included a payment of {$130.00} to the mortgage insurance company and it was also stated on the payoff letter. 
On XX/XX/16, Fifth Third Bank made a disbursement for my escrow account of {$270.00}. 
They should not have paid out anything from my escrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2018 I found that my Capital Once credit card account was canceled by the issuer. This happens to be one of my oldest accounts so this was detrimental to my credit score. On XX/XX/XXXX at about XXXX XXXX, I called Capital One 's support number and asked for the account to be reinstated and was informed that they could not do so, because the card had not been used for 36 months. I received no notification of the cancellation and wold like the account reinstated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: EQUIFAX, INC.
State: NJ
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 DID NOT AUTHORIZE THESE INQUIRIES XXXX XXXX XXXX XXXX Inquiry : XX/XX/2019XXXX XXXX Inquiry : XX/XX/2019 XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/2019 XXXX XXXX XXXX  XXXX Inquiry : XX/XX/2019 XXXX Inquiry : XX/XX/2019 XXXX XXXX XXXX XXXX Inquiry : XX/XX/2019 XXXX XXXX Inquiry : XX/XX/2019 XXXX XXXX XXXX Inquiry : XX/XX/2019 XXXX   XXXX XXXX XXXX Inquiry : XX/XX/2019 XXXX - XXXX XXXX Inquiry : XX/XX/2019 XXXX XXXXXXXX XXXX  XXXX Inquiry : XX/XX/2019 XXXX   XXXX XXXX Inquiry : XX/XX/2019 XXXXXXXX XXXX XXXX XXXX Inquiry : XX/XX/2019 XXXX XXXX Inquiry : XX/XX/2019 XXXX XXXX XXXX  XXXX Inquiry : XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
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:
I have attempted to contact both Equifax and XXXX regarding this issue MULTIPLE times. One month ir reports correct then the next it is back incorrect. I received a letter reflecting that all payments were made on time from XXXX and have sent it to both of these bureaus and they consistently do NOTHING! XXXX received the same information and have since corrected this issue!

Company response to consumer: Closed with explanation