BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-10
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: Information belongs to someone else

Complaint:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXXXXXX XXXX XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance Owed : {$12000.00} XXXX XXXXXX/XX/XXXX XXXX XXXXXX/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 2023-09-12
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My right as a consumer is being violated according to " 15 usc 1681a2 ''. In Accordance with the Fair Credit Reporting act. 
Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. I have mailed out letters to Equifax to properly investigate an account that does not belong to me. The Tracking Number for the letters mailed out XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. The credit bureau stated that Account Name : XXXX XXXX XXXX, Account Number : XXXX was properly investigated, however how is that possible when that account is not on any of my other credit report. I've also sent them a copy of my XXXX credit report which shows the date that account is to be removed from my profile. According to the FCRA 15 U.S.C 1681everything has to be 100 % Accurate. The law clearly states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681 c-2 also states that " Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ''. I haven't given these accounts written permission to furnish these accounts on my credit report. I have the credit report showing the inaccuracies. I am a victim of fraud and I've also attached a copy of my Identity theft report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-12
Company: ALLY FINANCIAL INC.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Loan opened without my consent or knowledge

Complaint:
I didn't have this vehicle with Ally and they told me it would not be on my credit report when I called and they lied. This is Fraud and Identity Theft and I need something done immediately. I have been fighting with the Bureaus and nothing. Also the bankryptcy does not suppose to report and this is from a 3rd Party. I spoke with my attorney and they stated I can sue!

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 2021-12-15
Company: Upstart Holdings, Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with signing the paperwork

Complaint:
On XX/XX/XXXX I received a prequalified-offer to refinance my auto loan with upstart company, I submitted an application and was requested personal informacin such as driver license social etc, 2 days after I received an email in where they said my application is as approved that additional documentation was required. Co- owner concent, insure ce to show me on it and d deductables under {$1500.00} the co-owner did not received email to sign consent when we called to check on it customer service rep XXXX advised us there was tech difficulties on their end that prevented them to send said email and I advised that application was time sensitive, she reply since it was their fault they would they will adjust, on XX/XX/XXXX I called to inquired on status they resend form, co-owner signed it we also submitted proof of insurance with name on it they advice over the phone everything was good to go and to go ahead and wait for the check to be mailed to the current lean holder on my loan, and he hung up the phone 2 hours later I received an email saying application was denied, I called again and they said that since the deducible wasnt showing on the page they had cancel everything, I spoke to supervisor XXXX on the auto refinance operations team who did not provide me with any explanation was very rude, and just said there was nothing to do denied me to speak to some one else in the leadership team, I spent hundreds of Dollars getting the insurance they way the company needed it I drove 400 miles to get the co-owner paper work signed to be mislead by this company and to be turned away with out reason or attempt to fix issues. I need the above company to fix my application status and reimburse me for the money spent during this application.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21
Company: Webcollex, LLC
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I had a visa account with XXXX. I purchased several fishing reels with this company on it. Repeatedly they broke and repeatedly I returned them until I gave up because of their poor craftsmanship. I explained this to the company and they agreed to remove it from my account. Years later a debt collection company has come after me and forced me to pay the {$540.00} on the principle that they would quote un quote hold my credit score hostage as stated on the phone. The debt was paid and now they refuse to remove the account from my XXXX  report or do anything to fix the damage to my credit having them account relisted after the original creditor agreed to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting 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 checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-15
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I filled a BK Chapter XXXX on XX/XX/XXXX XXXX. In the course of this Bk their lawyer stipulated on behalf of the Lenders, XXXX XXXX  XXXX XXXX XXXX, as Trustee for XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX 'S, to stipulate the terms of the loan to be a secured agreed amount of {$260000.00} plus {$14000.00} for escrow advances to be amortized over 30 years at 5.0 % per annum. Payments were to begin XX/XX/XXXX in the sum of {$1500.00} plus regular monthly escrowed payments of taxes and homeowners insurance. In the event that the Debtor defaults under stipulation, a 30 day letter shall be sent for each default and a {$100.00} shall be fined to cure. None of this took place.I sent a payment every month for the past 6 years, first to XXXX servicing, then to SLS servicing. During this BK a notice of default was filed, XX/XX/XXXX, a notice of sale filed XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX. I continued to make the payments at times the amounts requested were irregular but I made them anyway. My BK was confirmed on XX/XX/XXXX and the final degree was granted on XX/XX/XXXX along with an order of discharge on XX/XX/XXXX " stating that a complaint objecting to discharge of the debtor was filed and, after due notice and hearing was not sustained '' " Any judgement heretofore obtained in any court other than this court is null and void '' Beginning in XX/XX/XXXX SLS refused by payments saying that I was in default from XX/XX/XXXX.They say I missed 6 payments. I protested by asking for a QWR on XX/XX/XXXX asking for an accounting of my payments beginning with the court stipulation XXXX XXXX. They responded but not to the original date and not simply understood, I sent another QWR on XX/XX/XXXX requesting an accounting of my payments beginning from the court stipulation beginning on XX/XX/XXXX. I have not received any response. I want to keep my property and I want to be treated fairly by the servicer/lender.

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 2023-03-14
Company: Advance America, Cash Advance Centers, Inc.
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
I went into a advance America store front and received a payday loan initially and all is paid off I then took out a line of credit of {$1500.00} always paid on time which increased my credit limit up to {$1800.00}. I could not go into store to make full payment of entire balance on XX/XX/2023 as I always have done because of unforeseen personal circumstances and as a result of me not being able to pay on my due date of XX/XX/XXXX I called customer service to see if they could put loan into default to set up an extended payment plan of which their website talks about or even a settlement of some sort. I called spoke to several reps and was told several different things and one in particular that they wait an extra 30 days while tacking on fees the whole time before they put account into default. My credit limit is {$1800.00} with regular interest and fees it usually is {$200.00} on top of that with them keeping this loan open after notification of circumstances they keep loan open an entire extra month, with interest and fees piling up, they expect someone to pay them back {$3000.00} accrued in 30 days on a {$1800.00} credit limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21
Company: Experian Information Solutions Inc.
State: TX
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 have been trying to get an auto loan removed/deleted off my credit report for months. I've had medical issues, got behind on one payment. I wanted to pay them but they wouldn't wait so I voluntarily gave it back. The auto loan is showing up as a charge off that has a past due balance that increases monthly. I haven't received any type of letters stating a sale or anything. I feel like this auto loan havent properly been investigated and I want it 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 2023-09-12
Company: Self Financial Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This company has opened an account in my name / misinformation / inaccurate and no validation and continues to ignore my requests to remove it. 

As of XX/XX/XXXX ; I submitted a request for verification and a certified letter on XX/XX/XXXX ) validation of this acclaimed debt ; and have not received any documents to this date. 

Thank you for your immediate attention. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-01
Company: EQUIFAX, INC.
State: ND
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. The following XXXX credit card account ending in : XXXX is fraudulent and unauthorized. I have never applied for a XXXX credit card account. The XXXX credit card account do n't belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
To Whom It XXXX Concern : On XX/XX/XXXX for some reason I have a late payment recorded on my credit from Wells Fargo bank. I tried to remove it and the costumer service lady stated that it will be removed. XXXX XXXX XXXX XXXX  with XXXX  I asked my friend to take care of my bills. I am not sure what must of happened for some reason my payment did not go through. Same thing occurred again in XX/XX/XXXX. I am not sure why both of this times my payments have not been posted. I called Wells Fargo the lady stated that it will be removed as a first time curtesy. I am trying to purchase a house for the first time and its really affecting my credit score. I am asking for Wells Fargo to please remove this two late payments from my credit report. It's been very difficult two years after recovering from XXXX and losing so many family members. 

Thank you,

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 2023-02-10
Company: Experian Information Solutions Inc.
State: NJ
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:
XXXX XXXX  has basically ignored me even though I filed a complaint with the attorney general. I finally sued them in small claims court and won. I am attaching the court docket number and information ( XXXX ) from the final disposition of the case. I am also attaching a fraud an identity theft affidavit from IdentityTheft.gov. 

XXXX XXXX XXXXXXXX has been stalling me and making excuse for alomost 2.5 years even with my complaints to the attorney generals office. I recently filed an affidavit fo billing error dispute which they also ignored.

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 2019-09-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-12
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a 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 tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-27
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have attempted to have repayment plans with Navient multiple times now. I was on an auto payment plan with Navient that was charging up to XXXX a month. I begged them for lower but they refused. My payments suddenly stopped in XXXX of XXXX. I called them in XXXX when I noticed. They claimed in XXXX that I am under a " emergency forebearance ''. There is no emergency in my area or my co-signers area. The caller refused to explain or remove the forebearance. I told her I just want to make my monthly payments. She said she would get it removed. She told me everything with my payment plan was fine. One month later, no payment is processed again. I called Navient XX/XX/XXXX. I spoke to another person who claims I have no payment plan and my payment isnt due until XXXX. I asked her to explain to me why my payment plan stopped and she won't give any information. 

I received a letter in the mail that said the forebearance was gone so my payment plan should resume. She says I can't be on the same payment plan for XXXX because of my " credit ''. I asked her multiple times to explain this to me specifically. My credit score is fair. She demands I have to now pay XXXX a month. I asked her again why cant I pay what I have been paying. She keeps claiming " credit '' but refuses to explain. I asked to speak to someone else because she is refusing to help me. She brings on someone else who tells me that they have no obligation to help me, work with me or to try to help me lower my payments. She refused to explain why my payment changed from XXXX in XXXX to now them wanting XXXX dollars. She told me to have a good day so I hung up. I don't understand what happened, what changed and why wouldn't they just continue my same plan? Why is it unreasonable for me to call and ask? I had been paying them on time every month since then. Now because my jump in payments I am behind. I went onto Navient 's website and they had a repayment plan for XXXX. This is cheaper than what she even said. None of this makes any sense, this company is completely disorganized. 

I am on XXXX for XXXX and get one paycheck a month. I don't understand why they can't work with me and allow me to continue paying XXXX a month and they refused to explain it to me over the phone or in writing. Instead, they not only refuse me, but gaslight me then insult me and make me even more concerned. Unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09
Company: AMERICAN EXPRESS COMPANY
State: MA
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 XX/XX/XXXX, I applied for the American Express SimplyCash Plus Card. I received an email that same day alerting me that I was approved. The card arrived the following week and I began making  purchases with it. 

On XX/XX/XXXX, I went to make a purchase online at XXXX and the charge was denied. I logged into my American Express account to verify that the charge did not go through. There was a banner on my account telling me that the card was canceled. I was not aware of this, I did not request cancellation, and American Express did not send me an email or text to alert me. 

I called American Express on XX/XX/XXXX to ask what happened. They told me they had called to verify my information. Since I don't accept calls from random phone numbers, I did not get the calls. I asked them to open the card and the woman I spoke with told me that she could re-open the account and send me a new card. I agreed. 

On XX/XX/XXXX, I chatted into XXXX XXXX to confirm that the promotional bonus I had used to sign up was still attached to my account. Remember : the account I opened remained unchanged. The charges I had made were still there and all were accurate. Only the card itself was replaced. The terms of the sign up bonus were as follows : " Special Offer : Earn up to {$500.00} cash back Earn a {$250.00} statement credit after you spend {$5000.00} in qualifying purchases on your Card within the first 6 months of Card Membership. 
Plus, earn an additional {$250.00} statement credit after you spend an additional {$10000.00} or more in qualifying purchases on your Card within the first year of Card Membership. '' The terms in quotations above are directly from the American Express application page. I have saved a screenshot of the page I used as well and can submit it if need be. 

The chat rep told me that the bonus terms no longer apply because the card has been replaced. I told him that the account remains unchanged and that only the card itself was replaced. Again, I did not request the cancellation and American Express did that without my knowledge or consent. He then put his supervisor on the line and he/she repeated the same message. This is not good policy : put out an offer to entice a customer, cancel the card, and then re-open the card WITHOUT TELLING ME THAT THE BONUS WOULD NO LONGER APPLY. I only found out about this because I contacted them myself. 

For the reasons above, I'm escalating this complaint to the CFPB. 

For reference, the chat transcript with AMEX on XX/XX/XXXX is : XXXX

Company response to consumer: Closed with explanation