BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-31
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
Ive had an excellent credit score in excess of 750 for the last several years and somehow my credit score has dropped 94 points to the mid 650s with no explanation reflected on the report. I would like my credit score fixed. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I am trying to dispute credit information with Equifax, I cant log in I called them and they basically said u have to have a paid membership. I should be able to dispute inaccuracies without membership

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
Ive had an excellent credit score in excess of 750 for the last several years and somehow my credit score has dropped 94 points to the mid 650s with no explanation reflected on the report. I would like my credit score fixed. 

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 2018-12-11
Company: Westlake Services, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
On XX/XX/XXXX we purchase a XXXX XXXX XXXX from XXXX XXXX XXXX nothing that we had discuss prior was on paper and the finance charges and rate was and is super high, we didn't complaint because we needed the vehicle, We gave {$1500.00} down payment and we where promise 1st payment to be until XX/XX/XXXX. Vehicle was finance through Westlake Financial Services 1st payment was schedule for XX/XX/XXXX. Took us by surprise, we made payment on line XX/XX/XXXX for {$330.00}. During this time XXXX  XXXX XXXX asks us to take car for smog because they forgot to do it. We pay out pocket and waist time doing their work. Now, XX/XX/XXXX received a text fro sales person asking me to bring car immediately to dealer to finish DMV registration that I needed to do it today. When car was there noticed sales person being like always and said that car was being repo because we failed to make payment for being negligent and not making my car payments ; my boyfriend drove car he had just recently gone through a major surgery in  XXXX   and is carrying a temporary bag. He tried to get them to understand but they where rude. Now, I am without a car were having problems getting to work and is costing us money. Payment was confirm through my credit card company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
XXXX XXXX XXXX is the servicer on my XXXX XXXX loan. In XXXX I was approved for a 3 month forbearance due to a reduction in my pay as a result of the COVID pandemic. I have completed the forbearance and a modification plan but XXXX started reporting my account as 6 months delinquent to the credit bureaus in XXXX and continues to stretch the amount of time it claims my account has been delinquent each moth of the modification. I have paid XXXX on time every time required but my credit is now ruined and XXXX refuses to rectify the situation. I have called and written them multiple times but keep getting no resolution. I'm quite sure this is not what the Federal government had in mind when they passed FFCRA.

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 2018-12-31
Company: Jon Barry and Associates, Inc.
State: GA
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 XXXX XXXX {$630.00} I challenge the accuracy, compliance and reportability of these listings.

There is no valid claim ... account was settled with original creditor ( Debts can not be collected twice ) ... grave errorsfalse claims and reportingsI want this account removed immediately or litigation may follow Please validate this information and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX  or any means of automated verification.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-09
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
5/3 BANK NA closed my credit card without any good reasons. I tried to find it from them, it's a very long wait time. Even after 1 hr 15 minutes also no success talking to the customer service.

This brings down the credit score. 5/3 BANK should understand that opening and closing the credit card impacts the credit score adversely.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have tried on numerous occasions to open a My Equifax online account to place a security freeze on my credit report with Equifax. I have been unable to do so because when I try to log in I get an error message " We are temporarily unable to complete this request. '' I started contacting Equifax on XX/XX/XXXX by phone and was told " Someone would reach out to me in 48 hours. '' Nobody ever did, so I followed up over XXXX XXXX on XX/XX/XXXX, again being told they would respond shortly. They never did, I followed up on the XXXX and was told they were still investigating, I followed up again on the XXXX and was told I would be contacted back on the XXXX between XXXX and XXXX and was never reached out too. I have since reached out after XXXX on the XXXX, and then again on the XXXX and the XXXX with no response from Equifax since the XXXX of XXXX. They have ignored all of my requests and I am unable to place a security freeze due to them ignoring my request for help repeatedly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
At the beginning of XX/XX/2018 Chase closed all of my credit card accounts without prior notice or permission and refused to refund two {$95.00} annual credit card fees that had been charged less than two months prior. Despite meeting all of the spending conditions to earn a welcome bonus of XXXX XXXX on my now-closed British Airways Visa card, Chase refused to release the points to my British Airways account. XXXX points earned on the now-closed Iberia Visa card were also forfeited. I suspect that Chase closed the accounts to avoid paying out the XXXX points, while keeping the combined {$190.00} in annual fees. If a credit card issuer can close a customer 's account for any reason, refuse to refund the annual fee, and forfeit the earned points, how can any consumer be confident that they can actually use the credit product they've paid for? I have been a loyal Chase customer for over four years and have made 100 % of my credit card payments on time and in full. I was very disappointed by the unwillingness of the customer service representative and her manager to come to a fair resolution for this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: MoneyLion Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I, XXXX XXXX, entered into a consumer credit transaction with MoneyLion Inc on XX/XX/2019. Pursuant to 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

MoneyLion is reporting multiple late payments on my consumer report for the following account : Account Number : XXXX, which is a violation of 15 USC 1666b. 

I am demanding that MoneyLion return any fees that were improperly collected for this billing error. 

Furthermore, MoneyLion Inc, never disclosed to me that they are a debt collector and that they were attempting to collect a debt which is a violation of 15 USC 1692.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Since XXXX  of this year my personal information has been stolen, and my card charged four times resulting in my accounts being closed and new cards being opened. This has hit my credit and negatively effected my score.

The company has done nothing to prevent this from reoccurring. I need help to make this stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11
Company: EQUIFAX, INC.
State: NM
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 submitted a complaint previously stating that XXXX XXXX listed two late payments on my account in XX/XX/XXXX and XX/XX/XXXX that were paid on time and I provided proof. Equifax and XXXX  both sided with my dispute and altered the inaccurate information reflected on my account. Several months later the creditor changed the information back to the inaccurate version, and now the false late payments show up on my account again as I'm trying to qualify for a mortgage. These supposed late payments were already proven to be false -- all payments have been made on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 XXXX {$590.00} & XXXX {$680.00} I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim ... accounts were settled with original creditors ( Debts can not be collected twice ) ... grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow Please validate this information and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

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 2020-10-11
Company: Concord Servicing Corporation
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Bl

ackwell Recovery has attempted to collect a debt in the state of Utah and they are not licensed or bonded to collect said debt. They have placed a mark on my credit report when they are not allowed to due to not have a debt collectors license in this state. They have also tacked on added charges to which I h
ave not agreed nor ever signed a contract for. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX fax email : XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
My identity was stolen about XX/XX/2018 and someone opened 3 total accounts in my name. 2 of the accounts are resolved with phone calls and conversations. The third account is not. I submitted the information about identity theft, but they determined that I benefited from the use of the card for purchases in CT even though I live in PA and have never traveled to CT in my life. The third account was for a pet store. I have no pets. I closed the account immediately upon learning of its existence. 

I did not open this account, I did not use this account. I did not benefit from this account. Given the clear evidence that my identity was stolen for other accounts, this seems like an unfair and arbitrary determination by the bank. 

The bank is XXXX XXXX. The account number is XXXX XXXX XXXX XXXX My name is XXXX XXXX XXXX. My address is XXXX XXXX XXXX XXXX XXXX  XXXX Dillburg, PA XXXX. 

I have attached follow up mail from XXXX regarding the fraudulent attempt to obtain a XXXX XXXX card in my name as evidence of the identity theft and A XXXX denial based on failure to verify identity.

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 2021-05-03
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This collection is not mine due to reason that my identification cards were stolen with my wallet many years ago from the XXXX gym in XXXX, California. I am assuming that someone has used my information for their personal needs. Plus, my name and last name is very common in my XXXX  community that are easy to commit fraud with this kind of name and last name Collection Company- CMRE Financial Services Original Lender- XXXX XXXX XXXX XXXX . 
Collection Amount- {$2400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31
Company: Experian Information Solutions Inc.
State: GA
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 {$680.00}, {$510.00}, {$1000.00} I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim ... accounts were settled with original creditors ( Debts can not be collected twice ) ... grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX   or any means of automated verification.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

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 2020-06-27
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was the " sole borrower '' of the student loans for my children 's XXXX colleges, for the amount of ~ {$130000.00}, which has been " approved '' for discharged on XX/XX/2020, due to my XXXX-XXXX, by the Department of Education DOE. 

In addition, my children were the " borrowers '' of an additional ~ {$100000.00}, for their XXXX colleges. I was their " co-signer '' Their XXXX student loans are being deferred on a year-by-year basis, until they complete their XXXX schools. They will be completing their XXXX degrees in 2 years. 

DOE informed me that it could yet approve the discharge that portion of the student loans, for I am the " co-signer '', not the " borrower ''. Unless, my children can not repay back their XXXX student loans, upon completing their XXXX  degrees, ( XXXX pursuing to be a XXXX  '', XXXX pursuing to be a XXXX XXXX ). 

Today, my children 's XXXX student loans require no payments. In the next 2 years, my children 's XXXX student loans require no payments. In my opinion, when my children complete their XXXX  degrees, they will be able to repay their XXXX student loans payments Only in the events that my children can not repayment their student loans after 2 years, then, as a " co-signer '', I shall assume that liability of their XXXX student loans. 

DOE informed me that I am eligible for approval for their XXXX-XXXX, for then, I become the " sole borrower '', thus eligible-by-similarity for prior student loans discharge for " XXXX-XXXX Today, Chase is using that against me, calculating that payments, into my application for " home refinance '', thus disqualify me for lower interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09
Company: CITIBANK, N.A.
State: NY
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 short, I went to a auto tint shop to have my XXXX  XXXX XXXX XXXX tinted. I wanted the car tinted specifically with one piece of film in the rear glass. The shop did it in two pieces without my consent. Also the two rear door glass was not aligned with the glass. 

Citi bank ruled in the merchants favor. Im confused how they got to that ruling with the given circumstance. The service was not done correctly. When I reached out to the merchant, the merchant threatened to rip it out of my car therefore I am scared to return with my car. Please help. 

Please refer to attachment for the full story and also included pictures for proof.

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 2018-12-31
Company: EQUIFAX, INC.
State: GA
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 XXXX XXXX {$1100.00} & {$1000.00} I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim ... accounts were settled with original creditor ( Debts can not be collected twice ) ... grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Company response to consumer: Closed with non-monetary relief