BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-03
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I HAVE A CREDIT INQUIRY ON MY CREDIT REPORT FROM XXXX XXXX AUTO FINANCING XX/XX/2017. I HAVE NO KNOWLEDGE NOR HAVE I SIGNED CONSENT FOR THEM TO CHECK MY CREDIT. I HAVE DISPUTED WITH BOTH OPENLENDING AND EQUIFAX. THE ONLY RESPONSE I HAVE RECEIVED IS ITS FACTUAL, FROM EQUIFAX AND NO RESPONSE AT ALL FROM OPENLENDING. HOWEVER, CUSTOMER SERVICE REFUSES TO PROVIDE ME WITH THE INFORMATION OR DOCUMENTS USED TO VERIFY THAT THIS INQUIRY IS FACTUAL.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16
Company: Quality Recovery Services, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
i paid XXXX long time ago and the collection is still on my credit file the collection agency is refusing to remove the collection XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Wells Fargo owes me a check in the amount of {$1700.00} ( XXXX XXXX XXXX dollars XXXX XXXX cents ). 

I closed my Wells Fargo account in late XX/XX/2018. Two refunds were issued and posted after the account was closed ; when a merchant issues a refund and when it posts is beyond my control. Per the unilateral action of a Wells Fargo telephone customer service representative, a claim was filed for said amount ( Claim # XXXX ) on XX/XX/18. 

I have called the claims department, spoken with miscellaneous supervisors, and the executive office on an almost daily basis since XX/XX/2018. During that time, I have been told conflicting information regarding if the check will be sent, if the check has been cut, a general time period in which I will receive it, and the amount of the check itself. Moreover, I have been shouted at, hung up on, and been given the runaround during that process. Notwithstanding Wells Fargos egregious conduct, all I want is a reimbursement check for the amount cited above. That money is mine, it does not belong to Wells Fargo. 

In short : I have done everything I can to resolve this issue with Wells Fargo to no avail. Im owed a check in the amount of {$1700.00}. Wells Fargo has yet to provide a remedy. Instead, they have given me the runaround and conflicting information. I seek the assistance of the CFPB to resolve this matter.

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 2021-05-19
Company: Experian Information Solutions Inc.
State: NY
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:
XXXX transferred account to XXXX XXXX. XXXX is reporting account is closed. I did no close this account. I should no be penalized with the lost of 79 points on my credit profile XXXX, XXXX  and Experian. This transfer has left a negative status on my credit profile and is hurting my future credit opportunities and has kept my score in the negative.

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 2018-06-17
Company: Experian Information Solutions Inc.
State: GA
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:
XXXX XXXX XXXX XXXX did two inquires in three days for the same thing and XXXX XXXX also did two inquires andXXXX XXXX and they should not have. Also I have inquries from XXXX XXXX XXXX, and three other auto dealer I neevr authorized and I keep telling XXXX and experian this and XXXX and they do nothing. I can not even get a credit report from XXXX   and old stuff keeps reappearing that is over ten years old and I dispute and they will not take it off. I have oevr 6 inquires that should not be on my credit reports. Nobody is doing anything and only giving excuses or giving me an automated system and hiding behind that.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Account # XXXX - Comentity Bank/XXXX  On XX/XX/XXXX, I settled this account through XXXX XXXX XXXX. The account is paid in full and is closed. The charge off for Comentity Bank/XXXX has not been updated. I contacted XXXX  & XXXX  on XX/XX/XXXX of XXXX, opened disputes, and sent the settlement letter from XXXX XXXX XXXX by mail on XX/XX/XXXX. 

I looked at my credit report today through XXXX XXXX and saw that this account was updated with no remarks. I followed up with XXXX  & XXXX  and was told that Comentity Bank/XXXX  has informed XXXX  & XXXX  that the account is a chargeoff. The account is a chargeoff, but it is a paid chargeoff and it should reflect that. I filed a 2nd Dispute with XXXX on XXXX and will file with XXXX  today. XXXX  has removed this account from my credit report. I would like for Comentity Bank/XXXX to request removal of the tradeline as well. If they are unable to, I would like for them to inform XXXX  and XXXX  that this account has been settled and paid. I fell behind in this account because I was laid off and lost my home in a fire. I am a XXXX  parent of XXXX children and I am unable to purchase a home for my family until this is resolved. l have attached the Settlement Letter from XXXX XXXX XXXX, XXXX XXXX XXXX and the police report from the fire that destroyed my home. Thank you for your cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
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:
XXXX has been non-compliant with removing the unverified account CAPITAL ONE BANK USA XXXX which has been deleted by XXXX and XXXX. XXXX  and XXXX have both completed their research and determined that CAPITAL ONE BANK USA was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02
Company: BBVA FINANCIAL CORPORATION
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
My account was overdrawn with BBVA Compass Bank due to a returned check but I am disputing unauthorized charges with another bank to get the money back to bring the account positive. I have been making deposits in the meantime to get the account back to a positive status but they're charging me {$25.00} each week for " extended overdraft fees ''. I now have an additional {$50.00} on top of a returned item fee. It is exorbitant and predatory. Anything you can do to assist me is much appreciated. I have no problem paying the original returned item back but I should not be charged {$25.00} every 7 days for something that I have been making efforts to pay back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-21
Company: Navient Solutions, LLC.
State: KS
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I consolidated my loans into direct loans this summer. Then after I found out the payments from my bank were going to the wrong address I canceled the auto payments from my bank. Navient received the payments and deducted the money from my bank account via the checks that I sent them from my bank. One check of {$150.00} on XX/XX/18 and another on XX/XX/18 for the same amount. I double checked my bank account and the funds were withdrawn. Once Navient got the payments, they reversed the payments of - {$150.00} on both payments. I still have not seen the checks in the mail or the money returned in my bank account. 
I have called them 3-4 times in the last 2 months and also sent them an electronic message which they replied to on XXXX XX/XX/2018 and said their customer service is looking into it. 
I used the phone number XXXX. 
I called XX/XX/2018 at XXXX XX/XX/XXXX at XXXX, XXXX and XXXX I called again XX/XX/XXXX at  XXXX XX/XX/XXXX at XXXX Each time they told me to either wait or that someone is looking into it. 
I'm still waiting on the {$300.00} refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: CITIBANK, N.A.
State: DE
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:
Received Letter dated XX/XX/XXXX from XXXX XXXX XXXX ( Home Improvement Account ) thru Citi Bank issued cards stating that they were lowering Credit Limit to {$7200.00} from  XXXX Derogatory public record or collection filed Ratio of revolving balances to credit limits too high Proportion of loan balances to loan amounts is too high Too many inquiries in the last 12 months I obtained the same report as they did thru XXXX XXXX XXXX XXXX I call XXXX & Credit Card company ( Credit Card Company would not commit on which reason listed above was for the decrease in line. They dumped it on the Equifax credit profile as what the reasoning for the Decrease. Equifax has nothing to do with lower my credit card limit. They only report findings & it is up to the Bank issuer to do what they want with the report!!!! 

About my Credit Report : My Discharge Bankruptcy was on my Credit Report when I initially took out the Home Improvement loan. 

No other Derogatory or collections open then or NOW I had ( 3 ) Inquiries in ( 1 ) year & nothing recently Ratio of revolving balances to credit limits too high -- - NOT TRUE nothing has been opened since this Account opened, and all outstanding debts have been paid as agreed and the Home Improvement was PAID initially in XX/XX/XXXX with {$3000.00} towards open balance which PAID THE LOAN DOWN CONSIDERABLY. So I have paid loan down far better than minimum payments!!! 

I feel I am unfairly being treated under the Fair Credit Lending Practices!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
They contact me Everyday since the beginning of XX/XX/2018. I told Portfolio Recovery ( the collection company ) that this is not my debt to pay. They also try to get me to make a verbal agreement without my understanding of what they were doing. Please help this is affecting my credit. They say I owe them about {$490.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04
Company: AMERICAN EXPRESS COMPANY
State: NY
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:
Amex Gold card had a sign up bonus of XXXX membership rewards points after spending {$5000.00} in the first 3 months. Spend requirement was met but Amex did not issue the promised bonus. When contacted Amex lied and said the cardholder had already earned the bonus. When asked to give the date and last 4 digits of the card that earned the bonus for this cardholder, Amex could not. The supervisor also could not come up with a legitimate reason to not issue the bonus yet Amex still did not. Amex also did not state while the card was opened that the cardholder was not eligible for the bonus as they claim they do with others. Any excuse they give should state the date that policy was implemented. Stating something that is policy today but not policy when the card was opened is irrelevant. I hope Amex does the right thing but it seems like Amex has become really shady in issuing bonuses and anyone reading this should consider of card options before rolling the dice with Amex make it seem like they do not care about their customers or their reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
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: Personal information incorrect

Complaint:
in accordance with the fair XXXX XXXX  act XXXX XXXX  my rights 15 US C 1681 section 802 A. States I have the right lo privacy.

15 US. C 1881 Section 804 A Section 2 : 2 also states a consumer reportng agone ) can not fumish a account witout my writen instructions XXXX. XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Account type Collection XXXX. XXXX XXXX XXXX Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Charge Card XXXX. XXXX XXXX XXXX Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Auto Loan XXXX XXXX XXXX XXXX Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Auto Loan

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 2018-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file.

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 2023-02-24
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:
EQUIFAX is reporting an account with XXXX XXXX on my credit report and I have never transacted any business with XXXX XXXX  This account was previously blocked from my credit report by EQUIFAX due to identity theft about the dates of XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Synchrony Bank ( operating the Lowe 's credit card ) is forcing me to decide if I want my Lowe 's credit card statement by US Mail or by email, but will not allow me to receive both. 

If I choose to go with the 'online '' bill , are my consumer rights altered? In other words, the US mailed billing statement vs. an online statement are technically not the same thing. So are present consumer protection regulations with regards to credit card account billing specific to requiring that the bill be sent by US Mail? 

And if the latter is true, Synchrony did not disclose this change in my rights ( a reduction in my rights ) in the original email telling me I was going to be switched to paperless billing ( on-line billing ; i.e. a monthly email ). 

So that is complaint # 1. 

I chose to stick with US Mail ( printed bill ). I had to click on a link in the notice, described above. When I did I was taken to another web page where I was told : " [ you ] ... will not have access to your statements online. '' At 29.6 % interest rate on this card, Synchrony can not afford to provide BOTH US Mail and online statements? 

So that is complaint # 2 I attach a copy of the original email notice and a copy of the screen shot from when I opted to continue with paper billing.

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 2016-01-25
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX XXXX, XXXX I received a response from my mortgage servicer, Shellpoint Mortgage Servicing, thru the CFPB web portal, to my CFPB complaint, Case No. XXXX, filed XXXX XXXX, XXXX. Shellpoint was again, non responsive to specific items of the complaint in my XXXX XXXX, XXXX filling, gave intentional, verifiable, false information and deliberate false quotes attributed to me, the borrower. In addition Shellpoint deviously set an illegal consumer trap with a document entitled " Streamlined Modification Letter '' in order to fast track " A recording of a Notice of Sale '' on my home. Please find enclosed here with a letter along with supporting documentation sent to Shellpoint XXXX XXXX, XXXX detailing & evidencing the validity of these allegations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have a forthwith judgement with XXXX XXXX XXXXXXXX to pay the defaulted auto loan and have been paying to the law office on behalf of XXXX XXXX 
XXXX XXXX is not reporting the payment 's I am making every month and has not adjusted the balance owed as of today I filled out the dispute form from XXXX XXXX and they said its reporting accurately this was in XX/XX/2021 I have disputed with the bureau and they said it was verified and accurate I have a letter from XX/XX/XXXX from the lawyer office with a payment breakdown and balance that is inaccurate from what's on my credit reports.

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 2021-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have a forthwith judgement with XXXX XXXX XXXXXXXX to pay the defaulted auto loan and have been paying to the law office on behalf of XXXX XXXX 
XXXX XXXX is not reporting the payment 's I am making every month and has not adjusted the balance owed as of today I filled out the dispute form from XXXX XXXX and they said its reporting accurately this was in XX/XX/2021 I have disputed with the bureau and they said it was verified and accurate I have a letter from XX/XX/XXXX from the lawyer office with a payment breakdown and balance that is inaccurate from what's on my credit reports.

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 2018-06-28
Company: Diversified Consultants, Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XXXX I was considering switching my cell phone service from XXXX XXXX XXXX to XXXX XXXX, I spoke to a sales person at a store, and got through most of the steps to switch, but when I saw the costs broken down, it was going to be more expensive than staying with XXXX XXXX XXXX. So I told him that I was going to stay at XXXX XXXX XXXX and to cancel the order, I had not signed anything yet, and he said fine, and I left. A few weeks later I received a bill from them, I called and told them what happened and they promised that it was taken care of. About a month later I received another bill from them, threatening me to put me in collections. Once again, I called, they said that it was taken care of. Today I received a collections notice. I called, I was on the phone with 4 different people, they will not take care of it, this time they want me to go to a store to give them more of my personal information, I am not doing it. I made it very clear to them that this is fraud, they have fraudulently opened.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-21
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I need my credit report to be accurate and up to date. I found a few things that are not correct on my file. My name is XXXX XXXX XXXX please remove any other variation of my name. My current and only employer is XXXX please remove all others. My current and only address is XXXX XXXX XXXX, XXXX, PA XXXX the following addresses are not mine please delete them they are not accurate. 

XXXX XXXX  XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH 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 non-monetary relief