BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-25
Company: U.S. BANCORP
State: NC
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:
On XX/XX/2023 and imposter attempted to open credit card accounts using my name and Social Security number from two different banks. One was XXXX XXXXXXXX XXXX XXXX in XXXX XXXX Iowa and the other was Elan financial services/XXXX in XXXX North Dakota . I did speak to sale in fraud department at XXXX XXXX and he saw the application but said it was denied. Elan financial services told me they did not see any application attempt on my credit, yet XXXX XXXX shows a hard pull. Neither of these attempts to get a credit card were done by me, so I am disputing both of them and request to have any points docked from my credit score reinstalled please.

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 2020-08-31
Company: EOS Holdings, Inc.
State: NY
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have submitted several request for debt validation to EOS CCA, XXXX XXXX & XXXX XXXX XXXX who are reporting negatively on my credit report and they have failed to provide any proof of my debt. 
They have continuously updated the info with the credit bureaus on my report but failing to provide me verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: General Motors Financial Company, Inc.
State: PA
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 with product or service terms changing

Complaint:
GM Financial promotes paperless billing and provides an online and mobile app for customers to access payment information. 
GM Financial online billing and payment history did not ( and still does not ) provide correct information regarding a payment on my account : Payment of {$410.00} made on XX/XX/XXXX for XX/XX/XXXX and XX/XX/XXXX statements. 
XXXX online billing and payment history shows XX/XX/XXXX payment of {$410.00} as a processed payment, provides a confirmation number, as well as a green check-mark, just as all other payments that have been made. This payment was actually returned due to NSF from my bank. I did not receive notice from GM Financial. 

This misinformation led me to believe my account was up to date. In reality my account was past due from XX/XX/XXXX through XX/XX/XXXX, and two 30 day delinquent payments have been reported to credit agencies for months of XX/XX/XXXX and XX/XX/XXXX. It also caused continued late fees and interest to build on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04
Company: Nationwide Recovery Systems, Ltd
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
i spoke to an agent from nationwide recovery systems because they bought a debt i had expunged.i requested the initial delinquent notice from the initial debtor and they tried to get payment info from me in order to send the info, im assuming they have re-aged my debt and will hit my credit score, im pissed.when i called again later on in the evening to get info about the debtor ( nationwide recovery systems ) i was talked to very rude and when they finally agreed to send me the initial delinquent letter they said when they receive it, it will be forwarded from their company.when i requested that i wanted the notice sent directly to me from the initial debtor i was denied.i also told him i wish to record the conversation he wanted to hang up.however i recorded it. 
XXXX XXXX XXXX nationwide recovery systems XXXX plz see that they get fined as i will be taking legal action as well ... .ty sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
Company: Global Credit & Collection Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XXXX XXXX XXXX {$3200.00} and client disagrees. She reports that she does not owe XXXX. 
Creditor is XXXX, XXXX Account Card number : XXXX XXXX Global Credit and Collection Corp. Global ID XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Illinois XXXX XXXX XXXX Credit Card Account number ... ... XXXX XXXX XXXX issued a refund check {$110.00} on XX/XX/XXXX but she was not able to cash it. Check XXXX Phone number : XXXX. The client was informed by her bank, XXXX XXXX, that the refund check was returned unpaid. A stop payment was done onXX/XX/XXXX # XXXX. 
Client reports that she had a Life policy insurance with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Policy Number : XXXX and XXXX Toll free Number XXXX.Client was informed that the cash value {$4000.00} for each and on XX/XX/XXXX,  the company sent you paperwork to fill out to cash the value. The client filled out the paperwork and she had it notarized by XXXX ... XXXX address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , California . The client sent in all the paperwork that was requested and the company sent her a letter stating that the insurance policies had lapsed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: U.S. BANCORP
State: TX
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:
I had made an overpayment of {$2200.00} on my credit card account that ends in XXXX. I requested the overpayment to be sent to me which the rep assured me she processed. A week later when I still didnt get my refund check I called them again. After being routed to several persons they told me that they refunded the payment to my bank. They told me to wait several more days. Now 2 weeks later I still dont have my refund and upon calling them, they told me that they cant provide me any tracking information and for me to check with my bank since they sent it back. My bank doesnt have it and now Im short {$2200.00} which I desperately need it to pay back another bill.

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 2020-06-02
Company: LendingPoint Holdings LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I have sent 3 separate emails to the company requesting payment deferment & relief from late payment charges and negative reporting, due to my decreased income during this pandemic on XX/XX/20 at XXXX XXXX, the same day at XXXX XXXX, and another on XX/XX/20 at XXXX XXXX. Neither have I received a single confirmation that my emails are being received, nor an emailed response from the company. 

But I continue to receive texts that my payment is late, the most recent was 'your payment is now 25 days late. ' Concerned that I will be negatively reported and frustrated by not knowing where my request stands, I called them today, XX/XX/20. I was told that my request was forwarded to their support employee named XXXX but the representative I was speaking with was not sure if XXXX tried to call me or send me an email. 

I told her that I definitely have not received any emails to my external email address ( I even checked in the spam folder ) or to my message box on lendingpoint.com. I further informed her that because I receive numerous spam and fishing calls, I do not answer unknown calls, which is why I initiated my communication to them through my lendingpoint.com message box. In the middle of our conversation, the representative 's line went silent, then completely dropped. I waited for a return call, but no effort was made to reach out. 

I have also tried in vain today to verify my pay-off amount and access my loan terms and documents but nowhere in my online account on their site did I see a link to the loan documents and the pay-off amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3400.00} -This is not my 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 2020-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
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:
identity theft XXXX my XXXX XXXX XXXX. Security at XXXX informed me showing me my account was compromised therefore resulting in my termination due to {$14000.00} at risk that very minute 48 credits XXXX XXXX yrs gone I appealed forgiveness from government but no longer have proof it was forgiven. 
My info XXXX XXXX XXXX XXXX XX/XX/XXXX current cell # XXXX Email : XXXX Would like copy of my identity theft file and for someone to please contact me I have several issues still attacking my identity to much to write about.

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 2020-01-29
Company: CITIBANK, N.A.
State: CA
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 XX/XX/2019 my card was stolen. There were lots of charges. Citi notified me via phone and text that my card had many charges and asked if I recognized them, I said no. They disabled my card and gave me credit for charges that werent mine. 

Suddenly in XX/XX/XXXXthey reversed the charges for 2, with out explanation, and I have called Citi Fraud Department over 10 times trying to get someone to explain to me and also get them to reverse the credit.

Citi Fraud keeps telling me that someone will call me back, and they dont. That the investigator is on vacation but its been over 4-5 weeks now. I have a high balance on my credit card and NO explanation for it.

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 2020-06-02
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
The credit card operator ( Citibank ) offered a planned payment for purchases on the credit card at a reduced APR, offer that is available until XX/XX/2020. I have read all the exclusions and based on that I paid services rendered to me on the value of {$3300.00} which I fully intended in break down in 16 payments based on their proposal. Once the payment posted and I tried to use the promo, I found that my transaction wasn't eligible and I called customer service, which were not able to give a reason why the charge was ineligible. I told them that it was eligible according to the site and they said it could be due to low limit available or changes in credit worthiness. I explained then that the purchase was using only around 30 % of my available limit and that recently my credit score has been better than ever before being around high XXXX end sometimes XXXX. At this point they said they other criteria that could apply but couldn't tell me what. I then asked if this was a lottery and the manager actually answered that it could be considered like that. Amazed I told them that if I knew that I would never have user their card to pay for this transaction before hand and that this information wasn't promptly available on their site to which she offered to send some documentation which I recused since I think this information should be available on the site where I consulted before taking this decision, not as an after thought.

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 2018-10-04
Company: Phoenix Management Solutions, L.L.C.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This collections company reported to the credit reporting agencies that I defaulted on a debt that was not mine. My credit scores dropped 65 points which resulted in me having to pay a much higher interest rate on a home loan I recently acquired. The debt is not valid to begin with, it was assigned to a XXXX XXXX   XXXX  that I owned in the past. Somehow this collection agency got my birthday and SSN and reported to all the agencies. I contacted the collections company and explained everything and they refused to change the misreporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-28
Company: CHECK INTO CASH 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: Information belongs to someone else

Complaint:
I received an alert from my credit monitoring service informing me that I have two accounts in collections on my credit report from two different payday loan agencies,. XXXX XXXX and CHECK INTO CASH. I contacted each of them and they both stated that these accounts were opened in 2013. Until know, I have not heard from them via mail, phone nor email. I have not opened either of these accounts but I do recall closing a bank account after discovering fraud after a move and losing a checkbook. I have filed a police report in my city and reported this incident to my bank,, I don't like the fact that I have not heard from these agencies to dispute but it appears on my credit report at a critical time as I am attempting to buy a house and it seemingly came out of nowhere. My credit score has dropped almost 70 points due to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28
Company: EQUIFAX, INC.
State: VA
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 submitted a dispute to remove the bankruptcy chapter XXXX I filed in 2010. The item should be deleted iat 10 years. 
I made the same request to XXXX XXXX and it was removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have two checking and one savings account with Capital One bank. 

Back in XXXX, Capital One converted their accounts. 

After the conversion I was able to access all three of my backing statements, cleared checks etc. up to XXXX, Now comes XXXX of XXXX and I CAN NOT access any of my statements or cleared checks from XX/XX/XXXX and back. 

Here we are in the tax season and I am attempting to gather statements etc. for my records and support for my XXXX Income Tax Returns, This can not be! 

I requested hard copies of statements from XX/XX/XXXX to XX/XX/XXXX, but that is insufficient, in case my accountant or the IRS needs support. I need, along with other Capital One Customers, access to our statements and other documentation. 

Below is the link to my accounts, just as a FYI. 

https : //verified.capitalone.com/auth/signin In addition, my statements etc. are also unavailable using their APP. 

Thank you in advance for your help, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: Experian Information Solutions Inc.
State: IN
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:
Alerts keep popping up on my XXXX XXXX and experian credit reports unauthorized. Ive kindly asked all three to remove these unauthorized 9 inquiries but to know available..

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 2020-06-30
Company: Santander Consumer USA Holdings Inc.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Santander Consumer reopened my loan and put it as 120 days pass due. The information is not listed on the co-filers report. I have not had the car in my possession for over 7 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-26
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Texas XXXX XXXX : XXXX Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 

Item # 1 : I dispute XXXX XXXX XXXX, Reported balance {$270.00}, this account is not mines. 

The 18 inquiries are not mines. 
XXXX XXXX XXXX XXXX Inquiry from XX/XX/2020 All Banks  XXXX XXXX XXXX Inquiry from XX/XX/2020 Automobile Dealers, XXXX XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX XXXX XXXX Inquiry from XX/XX/2020 Auto Financing XXXX XXXX Inquiry from XX/XX/2020 Auto Financing XXXX XXXX Inquiry from XX/XX/2020 Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/2020 Auto Financing XXXX XXXX XXXX XXXX Inquiry from XX/XX/2020 Automobile Dealers, XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/2020 Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/2020 Auto Financing XXXX XXXX XXXX  Inquiry from XX/XX/2020 All Banks XXXX XXXX Inquiry from XX/XX/2020 Auto Financing XXXX XXXX Inquiry from XX/XX/2020 Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/2020 Auto Financing XXXX XXXX Inquiry from XX/XX/2020 Auto Financing XXXX XXXX XXXX XXXX Inquiry from XX/XX/2020 Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX XXXX. 


This company has not sent me any notification of debt. By FTC Law I  have to be notified of debt and given 30 days to dispute. This company has broken law and this account needs to be deleted ASAP. 
Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report. 
In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. 
Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. 
Thank you for your prompt attention in this matter. 
Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
Account : XXXX Dear XXXX XXXX  XXXX, XXXX XXXX XXXX is now XXXX XXXX. 

Thank you for your email with XXXX received on XX/XX/2018. To ensure the XXXX trade lines have been removed from your credit report, XXXX has processed electronic deletions with the national consumer reporting agencies. Please allow the consumer reporting agencies 30 45 days to update their files. 

If you should experience discrepancies, please contact the consumer reporting agencies directly for resolution. 

If you have questions regarding this information, please contact our office at XXXX XXXX XXXX XXXX. XXXX office hours are Monday through Thursday, XXXX XXXX. - XXXX XXXX., and Friday, XXXX XXXX. - XXXX XXXX, Central Time, and our website address is XXXX. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation