BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-23
Company: I.C. System, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have accounts that are in my name that aren't mine. Below are the accounts that are reporting that don't belong to me on my credit reports XXXX, XXXX  and XXXX. 

1 ) XXXX XXXX XXXX  {$990.00} 2 ) XXXX  XXXX XXXX {$51.00} 3 ) I.C. SYSTEM, INC {$2100.00} 4 ) XXXX XXXX  XXXX {$460.00} 5 ) XXXX XXXX XXXX {$610.00} 6 ) XXXX XXXX XXXX  {$310.00} 7 ) XXXX XXXX  XXXX  {$440.00} 8 ) XXXX  {$8800.00} 9 ) XXXX  XXXX  XXXX  {$110.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Synchrony Bank arbitrarily lowered my credit limit on my PC Richards card. When I contacted customer service, XXXX, credit manager, told me that Synchrony Bank was lowering my credit due to inactivity. She was also kind enough to inform that Synchrony began lowering and even closing credit accounts beginning in around XX/XX/2020 due the COVID-19 pandemic. According to XXXX, Synchrony began lowering credit on customers they felt posed higher credit risk. 

I have not had any change in my ability to maintain and pay my credit. I have chosen to not purchase anything from PC Richards only utilize credit to my advantage.

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 2018-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
As the Secured Party Creditor, and the holder of the paramount security interest in any and all real and personal property and the proceeds therefrom, registered to, associated with, in the possession of, or under the management of, XXXX XXXX, your alleged claims and/or requests prejudice my rights, titles, and interests in regards to said property as the Executive Trustee for the private trust to which said rights, titles, and interests have been pledged. In order for XXXX XXXX to provide you with a remedy, I conditionally accept your offer upon verifiable proof, with bona fide evidence as proof of claim, done with and under a sworn affidavit, under penalty of perjury with unlimited commercial liability with evidence attached. And, a copy sent to XXXX XXXX/Notary for rebuttal or acquiesce, of the following : 1. VERIFIABLE Proof of Legal documents to prove that you are legally authorized to collect, 2. VERIFIABLE Proof of Amount of the actual debt, 3. VERIFIABLE Proof of Payments made on the account, 4. VERIFIABLE Proof of Accounting of the debt, including all interest and fees, 5. VERIFIABLE Proof of Fees and interest amounts, 6. VERIFIABLE Proof of a signed contract showing the terms about the debt, 7. VERIFIABLE Proof of WHO owns the debt/or has been assigned the debt, 8. VERIFIABLE Proof of a copy of a true bill from the original creditor, 9. VERIFIABLE Proof of a complete payment history, starting with the original creditor, and 10. VERIFIABLE Proof of a Certified and True Copy of the original signed agreement or application. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Executive Vice President and Chief Financial Officer failed to rebut, address, answer or respond to Conditional Acceptance Upon Verifiable Proof of Claim, USPS Certified # XXXX XXXX XXXX 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 2018-07-13
Company: EQUIFAX, INC.
State: FL
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 requested Equifax to investigate SPECIFICALLY the Original Creditor listed on a collections account as it was originally disputed as unrecognized or account not mine. The original dispute came back as " verified ''. Thus, resulting in a XXXX  complaint and CFPB complaint. I was only able to determine who this company was and who they represented via XXXX complaint. The company, XXXX, stated they purchased an illegal loan from an illegal lender names XXXX. However, they are reporting Original Creditor as a XXXX XXXX XXXX on credit reports in an attempt to mislead and fraudulently utilize the credit reporting system to attempt to collect and illegal and fraudulent loan which I advised Equifax upon submitting the dispute to have the account at the very least updated with the correct Original Creditor. Equifax 's dispute results returned with only the status dates and balance dates " modified ''. I have also disputed with XXXX and XXXX  and they will NOT require XXXX to correct the Original Creditor. I have not ever had any contract with a company named XXXX XXXX XXXX nor ever heard of them. The documentation attached will claim that they " serviced ' the account in question however, that does not define a contract with or any indebtedness to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
The problem that Im having with Portfolio Recovery Associates is that my I called to try to solve my debt with them, we spoke about a settlement and they offered me a {$1300.00} offer, at the moment I didnt have the funds and even when the representative pushed me to postdate a payment, I couldn't do that because I can schedule a payment if I dont have the money. The representative ended the call telling me I can call before the end of the month if I get the funds. 

Same month and once I got enough money to pay the settlement, I called them to take the settlement offer but this time I found they raise the offer to {$1700.00}. I was in shock and I asked why they do that, they just said the offers should be taken in the same call, even when the previous representative told me the offer would be good until the end of the month, I had to decline in the new offer because I dont have the extra money they are asking for and again the representative told me I can put the money I have as down payment and then pay the rest of the full debt in small payments. 

I even went over my limit of what I could afford including founds from family members to try to solve this but they still say that is still not enough to satisfy them I am afraid that if I get the money, they are asking now they and call to pay they will ask for more and more every call. This practice is unacceptable and the government should be aware the unfair practices of this debt buyers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: Experian Information Solutions Inc.
State: VA
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 AM A VICTIM OF IDENTITY THEFT. I HAVE FRAUD ACOUNTS, ADDRESSES AND INQUIRIES. PLEASE REMOVE THESE ITEMS ASAP. PLEASE SEND ME AN UPDATED COPY OF 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 2019-05-30
Company: Experian Information Solutions Inc.
State: VA
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 filed and faxed the ftc report over to experian and they took some stuff off of my report i called in to dispute the rest as they should have the ftc report and delete the items some smart lady who was nasty told me sorry i cant help u u just have to deal with it. Your ftc doesnt meet the requirements and then hung up on me. Now there are serval collection account that dont belong to me and 13 inquires and 3 closed accounts that i have no aware of this is crazy im XXXX yrs old woman not computer savy and some one has been living as me getting loans and all in my name.

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 2020-05-14
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Comenity Bank closed 2 of my cards within the past 2 weeks. I reached out to ask them why, and they claimed inactivity. I used both cards ( Victoria 's Secret and XXXX  XXXX ) within the past 6 months, and we are in a pandemic, so that should be more than good enough and should NOT entail closed CC accounts. 

I reached out to them on XX/XX/XXXX regarding my XXXX XXXX account, and they gave me a canned message ( see below ). Today I saw that they ALSO closed my Victoria 's Secret account ( XX/XX/2020 ) via my credit monitoring service. 

This is a problem as my credit score is above 800 and they shouldn't be closing accounts during a pandemic when stores are not open. Also, inactivity should only kick in after 6 months, and should be entirely waived during a pandemic/ national stay at home orders. 


" I am with Comenity Bank, which handles everything related to your credit card account. I'm happy to help you today. 

We closed your XXXX  XXXX account on XX/XX/2020 due to inactivity. 

We let the national credit reporting agencies know that your account was closed at your request on XX/XX/2020. 

We value having you as a customer. 

Although your account is now closed, we hope you will continue to shop with XXXX XXXX and invite you to apply for a new XXXX XXXX account in the future. 

If you have any questions, please click the reply button. 


Sincerely, XXXX Internet Customer Care Team ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Every month Wells Fargo started charging me XXXX  XXXX or more to have a free checking account. Ive been with XXXX and XXXX XXXX for over 20 years. I never agreed to begin getting charged for this. Did not authorize this charge or overdraft fees associated with this bank.

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 monetary relief
Consumer complaint received 2020-02-04
Company: EQUIFAX, INC.
State: TN
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:
On XX/XX/XXXX XXXX XXXX XXXX sent me a letter to confirm that they had closed the following accounts : # XXXX ( 3 ) accounts. 
Equifax continues to list these inaccurate and unverified accounts on my report.I have read the FCRA.This collection account should be deleted from my file immediately as it is severely harming my ability to obtain credit. 
XX/XX/XXXX They completed an investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Upon losing my job in early XX/XX/XXXX, I contacted XXXX XXXX   to ask for assistance while I was trying to obtain another job. I first submitted loss mitigation paperwork as directed by XX/XX/XXXX in early XX/XX/XXXX. They continued to require one more document after one more document. I continued to call and check on the progress with little to no change. They failed to contact me or keep me informed on any level the only communication came from me contacting them. When they finally accepted the completed packet they had until XX/XX/XXXX to make a decision about how they could best support me. On XX/XX/XXXX they transferred my loan to someone else without making that decision. Now Rushmore loan management company is telling me I have to start this process over. In the meantime each month my credit gets worse and worse. I contacted XXXX in XX/XX/XXXX and told them I had obtained a part-time job and was able to begin making payments. There is still no resolution. I just received a letter Saturday XX/XX/XXXX regarding Rushmore wanting me to submit all my documentation over. I believe XXXX never had any attention of addressing my issue as they knew they were transferring my loan to someone else. I have an FHA loan. It is my understanding that FHA has a forbearance during unemployment where interest is put on hold. XXXX XXXX  never offered this or suggested this solution to me. I just want to know how much to pay for my mortgage so that I can put my house for sale and clear out this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01
Company: Experian Information Solutions Inc.
State: TN
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:
experian added a fruad alert, as have others with all of these breeches. I never authorized ANY alert. experian reefuses to remove the alert. yes, my id was stolen, as my ssn numbers- however, that does not give anyone permission at any company to refuse acces to my files in any way due to panic mode at their company. remove all blocks and alerts. I am being denied credit due to this, which is unlawful. Furthermore disputed information is fraudulently being re aged and re certified. IT MUST BE REMOVED. THE DEBT IS CHALLENGED- if companies will not comply in CORRECTLY REPORTING THE DATA- and they have not so far for years, then it must by law- be removed.

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 2020-11-01
Company: CITIBANK, N.A.
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
In early XX/XX/XXXX, I opened a dispute for a transaction on my Citibank credit card. The dispute amount is {$300.00}, which was for a down payment for transporting my automobile from California to Iowa ; ultimately, the merchant never provided the auto transport service. As of XX/XX/2020, Citibank has not yet resolved the dispute. 

At XXXX on XX/XX/2020, I received a phone call from an automobile transport company ( the " merchant '' ). The merchant gave me a quote of {$1300.00} to transport my automobile from CaIifornia to Iowa. I initially agreed to to the quote and provided my Citi credit card number to the merchant, and the merchant charged {$300.00} as a down payment. 

At XXXX XXXX  on XX/XX/2020 ( 28 minutes after I hung up the phone call above ), I called the merchant to cancel my purchase. I wanted to cancel it because another company offered a {$1000.00} quote to transport my car from California to Iowa. The merchant initially refused to cancel it, saying that the automobile transport service was already being processed. Shortly after, the merchant proposed to cancel it with a {$60.00} fee, so that I would receive a refund of {$240.00}. I agreed to their proposal. 

At XXXX on XX/XX/2020, the merchant called me and said that they will not issue a refund of any kind. The merchant stated that either I ship my car with the merchant for {$1300.00} or I will not receive any refund on the {$300.00} down payment. The merchant was aware that I received a {$1000.00} quote from another automobile transport company and stated that " Good luck finding a driver for {$1000.00} ''. Ultimately, I shipped my car from California to Iowa via another automobile transport company. 

When the {$300.00} transaction posted on my Citibank credit card ( in earlyXX/XX/XXXX ), I called Citibank to open a dispute. The reason for dispute was that the merchant refused to issue a refund for a purchase that was never fulfilled. I provided Citibank a written proof that my automobile was transported via a different company. Moreover, I clearly explained to Citibank that all my interactions with the merchant occurred via phone. I've never received an invoice or any other document from the merchant. However, Citibank requests that I provide a written evidence that I cancelled the purchase from the merchant. On the other hand, the merchant failed to provide evidence that they provided service of any kind in transporting my automobile. It's been nearly three month since I opened the dispute, and it is still not resolved as of 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 monetary relief
Consumer complaint received 2017-08-04
Company: Westlake Services, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Loan payment wasn't credited to your account

Complaint:
In  XXXX  2017, I contact Wilshire Consumer Credit for a car title loan. I was inform that the interest rates were low, and that my payment of  XXXX  a month would be apply to my principal balance which is  XXXX . Other fees were put on the title loan. So here is the issue. I starting paying on the loan in   XXXX   up until  XXXX , 2017 every  XXXX  of the month. and my payoff balance is still at   XXXX   dollars. Which I have paid  XXXX  and nothing has been apply to principal. The representatives have been manipulated in there practice of business. Every time I ask for the loan documents to have to read the contract I never receive it in the mail. I am a   XXXX   year old   XXXX   women who has  XXXX  and   XXXX   XXXX   problems. I have been taken by this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01
Company: Bread Financial Holdings, Inc.
State: TN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
comenity bank is extorting me on false debt claims from XXXX, XXXX ( XXXX ), and other accounts- which only went red because of an unlawful eviction. The lawyer refused to clear my name until recently, unbeknowst to me- which is more critical than overextending credit lines- and being made homeless, unable to rent and pay any bills. companies like this- which now manipulate the market are extorting consumers- and denying credit- for healthcare, and petcare- leaving us- and our best friends- to die. THEY WILL NOT CORRECT THE PROBLEM. DEBTS ARE CHALLENGED AS OF SEVERAL YEARS AGO- companies refuse to settle, claim not collecting- then harass beyond debt sol.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
A duplicate report appears for the loans.  XXXX  set of the loans says they are with   XXXX   XXXX   XXXX  /  XXXX   and were opened   XXXX   2011. The   XXXX    set of loans is showing FedLoan Servicing and opened  XXXX  2011. This happened after I completed a Loan Rehabilitation program. They are the same loans, there are not  XXXX  loans, just  XXXX . I tried to dispute the information with credit reporting agencies, FedLoan,   XXXX   XXXX   XXXX   and received no help. The disputes are always declined and the false information stays, which is causing damage to my report by showing extra sets of loans with late payments. I have even tried to have a credit repair person help and they have been unable to have the loan servicing companies correct it. The FedLoan Servicing report is even marked as " Account transferred to another lender '' so it should n't still be there while the other lender is reporting the loans, also.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-02
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not open the XXXX car loan. I have disputed the case but it reports as accurate. I filed a complaint XX/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: Rocket Mortgage, LLC
State: AZ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
i applied fora refi with quicken loans and was conditionly aprooved i sent all the paperwork to them wich i had to cotact my crediters for info which quicken loans should asked for spent many hours on the phone and had them send the paperwork to quick and loans and rocket morgage it should have been that they should have requested info from my crediters. they told me that my loan should close within 30 days but did not happen it went to sixty days with no closing i complaind to them and they became irate. l the last step was to send them my last 18 montes payments for speacilized loan services when we tried to make a payment that we should not make any paymen because they were in transition with XXXX XXXX XXXX wich they bought out my loan.tried to make the payment to XXXX XXXX XXXX but they told us not to pay for XXXX so wewaited for a month and made a doeble payment to XXXX XXXX XXXX when i sent the payment state ment to rocket borgage my wife added an explaination about what happend but they would not except the explaination its a no brainer in there behalf we paid XXXX dollers to a appraiser which we had bite it and lose. i dont know why quick and loan are so accredited hope people get wise and do not apply with rocket and quiken loans they are a scam ie we made a double payment in XXXX to bring it current my wife and i never late on payment and no late pay

Company response to consumer: Closed with explanation