BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-23
Company: EQUIFAX, INC.
State: IA
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:
On XX/XX/2020, I disputed multiple fdcpa violations on my credit report and Equifax has not responded or remedied the situation. Congress states under 15 U.S. Code 1692 ( d ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. 

These accounts are ruining my reputation and it is also defamation of my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-17
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
XX/XX/XXXX I got a applied online and got a CareCredit Card to cover the XXXX XXXX that I needed to get in XX/XX/XXXX. It was about {$1200.00}. I was told I have a year to pay off the fees with no interest charges. I 've been sending money every month to pay off this debt. Logged in the other day ( XX/XX/XXXX ) to pay on the card and noticed the debt amount looked as though it had not lowered AT ALL. I did further research and realized that there were not only {$2.00} interest charges but there were also MULTIPLE " security card charges '', all $ 18+, that I NEVER signed up for. I applied for this credit card online and NEVER opt-in for this " card security '' feature. I should NOT be getting charged any interest fees. 
Customer service was 100 % awful and unhelpful. Telling me I needed to call some other numbers and blaming me for this. This needs to be investigated because they are clearly running some kind of scam.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: Incomm Holdings Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I received a {$100.00} prepaid vanilla gift card as a birthday present. On trying to use the funds it was rejected multiple times. I called the help line and was advised to provide proof of purchase and some identifying information. I submitted all information that was asked. Over the last couple of months I have gone back and forth with Incomm about this and they have ( so far XXXX refused to honor or credit the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-17
Company: EQUIFAX, 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:
this company is currently reporting 6 accounts that either do not belong to me, have inaccuarate balances aand are a result of identity theft .These accounts were removed previuosly after an investigation and have been plaaced back on my credit .I do not have an account with XXXX and they are reporting two accounts on my credit that do not belong to me .XXXX is reporting a balance that is inaccuarate and I have sent proff to equifax of the correct balance determined by a judgement in court for less than half of what is being reported.XXXX XXXX has been paid off and the two medical accounts with XXXX  were paid by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28
Company: SYNCHRONY FINANCIAL
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
PayPal Credit has a minimal monthly balance of XXXX. I contacted them said due to less bourse at work see if I can make monthly payments of {$200.00} a month they said the finance department would contact me and it shouldnt be a problem. For last months payment made payment of {$200.00} out of the {$310.00} due. This month said Im past due and my new balance is {$410.00}. They will not work with me Ill keep  getting deeper in.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-17
Company: HW Holding, Inc
State: DC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from Hunter Warfield dated XXXX XXXX, 2017 saying I owed them {$340.00} that they werre collecting on behalf of XXXX XXXX. 

I called them today but they only take calls during normal business hours. I sent them an email telling them I have no knowledge of such debt, have never had any interaction with XXXX XXXX and to cease efforts to collect such debt. I told them if I do n't hear back from them within 48 hours I would contact the appropriate authorities. 

Nonetheless, I want to start the complaint process now before this affects my credit.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28
Company: STATE FARM BANK, FSB
State: OH
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: Card was charged for something you did not purchase with the card

Complaint:
I was hospitalized and late making payment {$170.00} due XX/XX/19 I paid XX/XX/19 late fee {$27.00}. ( I ask the bank to waive ) XXXX statement charge of {$370.00} XXXX isn't my charge. I didn't make this purchase. I wrote and disputed this charge, XXXX I subtracted that fraud amount {$370.00} and I paid {$150.00} XX/XX/19 I received a letter today saying I have XXXX PAST DUE. 

This isn't true I have XXXX past due on this account. 

My account is current {$170.00} Paid {$150.00} Paid {$370.00} DISPUTE

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28
Company: Experian Information Solutions Inc.
State: NC
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:
When checking my credit report I have noticed that XXXX XXXX XXXX is reporting a debt that does not belong to me and could not be validated and verified, I disputed this debt on XX/XX/2018, XX/XX/2018 XXXX, XX/XX/2018 and XXXX   XXXX  XXXX has not validated this debt, i requested signed documents bearing my wet ink signature, after repeated request for over 5 months XXXX  XXXX XXXX has not provided me any type of validation, they have not provided me with any type of documents that shows i agreed to pay this debt, i did not sign any agreement or documents with XXXX XXXX XXXX or the company that they are collecting for. 

I disputed this debt with Experian on XX/XX/2018, XX/XX/2018 ,XX/XX/2018, XX/XX/2018 and Experian has failed to validate this Debt and continues to knowingly violated FCRA. 

Experian gives me know options on their website to re dispute this debt as not mine. 

I recently received a response to a dispute on approximately XX/XX/2018, XX/XX/2018 XXXX, XX/XX/2018 that I made under FCRA XXXX ( a ) regarding an erroneous item on my credit report involving a transaction with. I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report. 

I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. 

I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation with XXXX XXXX. 


I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this CFPB complaint. 

I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Transunion is reporting on a bad, invalid junk debt collection note acquired by XXXX XXXX XXXX XXXX ( junk receivables collectors ). The Creditor listed is " XXXX - XXXX XXXX XXXX , XXXX. ". The original debt they are reporting and attempting to collect on from XXXX  / XXXX was resolved years ago with XXXX and XXXX. As noted on the attached document a billing error was noted and the matter can not be billed to me ( the patient ). The matter closed with a XXXX  balance. 

This erroneous error must be removed by Transunion in accordance with the FCRA. 

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 2019-11-01
Company: CITIBANK, N.A.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had noticed the fraudulent transaction on XX/XX/XXXX of {$54.00} and due to that the 30 day late payment had occurred on XX/XX/XXXX from the 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 2017-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I paid off or settled with XXXX XXXX XXXX back on XX/XX/XXXX. I made a total amount of payments for {$860.00}. XX/XX/XXXX was when they recieved my last payment and according to the letter they sent me dated XX/XX/XXXX, I have a balance of {$0.00}. I owe them nothing, {$0.00}. However, TransUnion according to them XXXX states I still owe them {$590.00} was of XX/XX/XXXX, which is inaccurate. I have already disputed this twice with TransUnion and even faxed them the letter I have directly from XXXX XXXX XXXX that my balance actually with them is {$0.00}. TransUnion and XXXX XXXX XXXX need to update my credit report accordingly to reflect the balance owed as {$0.00}.

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 2017-09-16
Company: Midwest Recovery Systems
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
THIS IS MY SECOND COMPLAINT ABOUT THIS COMPNAY BECAUSE THEY LIED THE FIRST TIME ABOUT SENDING ME INFORATION ABOUT A DEBT THAT THEY HAVE LISTED ONMY CREDIT REPORT. AT THIS TIME I STILL HAE NOT RECEIVED ANY INFORMATION FROM THIS COMPANY AT ALL ABOUT THE DEBT THAT THEY HAVE LISTED ON MY CREDIT REPORT. ALL I HAE EVER RECEIVED IS ONE PHONE CALL AND I HAVE CONTACTED THEM SEVERAL TIMES ASKING THEM TO VALIDATE THER DEBT. APPARENTLY IT IS TIME FOR ME TO SEEK LEGAL COUNSEL BECAUSE THIS COMPANY IS CLEARLY A FRAUD AND LIES A LOT. I HAVE REPORTED THEM TO MY STATE ATTORNEY GENERALS OFFICE AND THIS IS MY SECOND COMPLAINT TO CFPB. YET THIS COMPANY CONTINUES TO EPORT FALSE INFORMATION TO CREDIT BUREAUS AND HAS NOT SENT ME ONE PIECE OF INFORMATION NOT EVEN THE ORIGNAL 609 LETTER. I HAVE SENT THEM MAIL AND THEY HAVE IGNORED IT. THANK GOD I HAVE A PAPER TRAIL FOR  LEGAL PURPOSES. THIS COMPANY SERIOUSLY NEEDS TO BE INVESTIGATED.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21
Company: CITIBANK, N.A.
State: WI
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:
Bill was due on XX/XX/2019 in the amount of {$12000.00}, I paid balance due which translated into a zero balance on the card. XX/XX/XXXX I reviewed my statement which revealed that I still had a balance of {$870.00} and was charges {$110.00} in interest, I called Citi bank XXXX twice to explain to me why I still had a balance when I thought the card was paid in full, I was told of charges that was not included in the balance XX/XX/XXXX. I was deceived into thinking my card was paid in full and ended up paying interest charges on balance due.

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 2023-04-15
Company: ENOVA INTERNATIONAL, INC.
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Loan payment wasn't credited to your account

Complaint:
I send them a check ( {$5000.00} enough to clear my balance ) XXXX credit agency. It was sent overnight and arrived Thursday morning. I have been writing non stop emails requesting an update, the one person I spoke to on Thursday said they didnt get it yet. 

I have now not heard back since. I have a payment due Monday, and I am unable to remove my bank info. They refuse to credit with the check that ARRIVED THIRSDAY and will be attempting to take more money from me ( though the check clears my balance ) on Monday. 

I have wrote them XXXX of times and called them and begged for updates, still nothing. 

XXXX XXXX XXXX XXXX XXXX XXXX please.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am filing this complaint against Experian because they have failed to comply with the Fair Credit Reporting Act XXXX FCRA ) by using multiple stall tactics and using computer-generated responses to my dispute letters. They have failed to provide documentary evidence to verify the disputed accounts. On XX/XX/XXXX I pulled my Experian credit report. I noticed several accounts were reporting inaccurately and I knew the specific accounts reporting were not mine. After trying to update my personal information, I disputed six ( 6 ) inaccurate accounts which were XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX and XXXX  with Experian via U.S. certified mail on XX/XX/XXXX. XXXX attached. Experian deleted accounts XXXX XXXX XXXX, XXXX XXXX, and XXXX as a result of the dispute investigation. Experian claimed to have verified the XXXX   XXXX XXXX XXXX and XXXX accounts. On XX/XX/XXXX, I pulled my Experian credit report again and discovered that the XXXX XXXX XXXX was now reporting an account number which only consist of XXXX digits when it was reporting an XXXX digit account number in XXXX. XXXX attached. I also discovered that the XXXX  account number was completely changed as well. So, on XX/XX/XXXX, I certified mailed another dispute letter to Experian disputing the new inaccurate XXXX XXXX XXXX account number along with disputing the inaccurate XXXX XXXX and XXXX accounts. See attached. Experian sent my dispute results dated XX/XX/XXXX which I received in XX/XX/XXXX stating to have updated each disputed account. See attached. XXXX is now reporting an 16 digit account number again, XXXX is still reporting the completely different account number without being verified, XXXX is reporting different and XXXX  still the same. However, nothing in the results showed evidence of anything new being updated on the report. I do not have any contracts for any of the disputed inaccurate accounts and know that they can not be verified. If the inaccurate items including XXXX XXXX XXXX, XXXX, XXXX and XXXX are not properly re-investigated and verified by documentation with my wet ink signature on it then Experian has no choice but to delete it from my credit report. Due to Experian failure to properly investigate my dispute and delete the disputed accounts, it's causing unverifiable derogatory statuses to reflect on my credit report which is having a negative effect on my credit report score and will be injurious to me in the very near 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 2018-10-02
Company: WELLS FARGO & COMPANY
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
I have a car loan with Wells Fargo XXXX XXXX for a XXXX XXXX. I sold the car on XX/XX/2018 to XXXX XXXX XXXX XXXX in XXXX, NJ. XXXX XXXX claims to have paid the remaining balance of the car loan ( {$940.00} ) to Wells Fargo. Wells Fargo has called me relentlessly to pay the balance. I informed them that the car was sold to XXXX XXXX XXXX XXXX in XXXX. 

Wells Fargo continues to call me relentlessly. In the past 14 days I have been called 11 times, not including weekends. I inform them of the same information ( the car was sold ) every time they call. They have threatened repeatedly to damage my credit if payment is not made.

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 2019-03-21
Company: JPMORGAN CHASE & CO.
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Back in XX/XX/XXXX I contacted the credit card company and asked what options were available to me. I have had this account for 8 years and have never paid late. I explained that my husband and I are going through financial hardship. I asked if there was any way that I can lower my monthly payment per month because I wanted to keep the card and not hurt my credit score. They explained that the two options available were to settle the account with lump sum payments or apply for a payment plan which would mean closing my account and make reduced payments. I had explained once again that I wanted to keep the card open and was able to make the larger payments but with my husband not working it would become more difficult. I also questioned if they had the option to reduce the interest rate given that I was a good long time customer. They stated no, they no longer do that. I hung up and thought about it and called back a week or two later and requested to be put through to the department that handles seeing if I would qualify for a reduction in payments. After going through the information I was denied. I explained once again I would have no problem making payments as low as $ XXXX {$150.00} per month but the best they could do is refer me to a credit counseling service ( see attached letter dated XX/XX/XXXX ). I had gone online and found that I could reapply which I did and again was denied. I continued to make two more payments but then called them once again asking if there were any other options. I explained that it is ridiculous that they would not accept a lower payment per month and I was told they could split the payment. I then made the request to close the account because of their inability to work with me. In the meantime I have contacted a few other of my credit card companies and they are working with me so clearly this is just the policy of with Chase. I am extremely disappointed that this was unable to be resolved without damaging my credit further.

Company response to consumer: Closed with explanation