BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-28
Company: Phoenix Financial Services LLC
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I had 5 missed calls from this number. My cousin called back to see who it was and rep mentioned a medical debt concerning my daughter before ever verifying if she had the right person on the line. After verifying the last four of my social the rep told me about the debt and asked if I could settle for 50 % off. I asked when she got the debt and she told me XX/XX/XXXX. I moved to TN and didnt know that this debt was ever in collections and I felt pressured to pay a settlement because she told me she wasnt sure how long the settlement offer would last. I told her I had to call back because I was embarrassed I had to deal with this while my cousin who I just moved in with was with me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$3300.00} XXXX  XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX Balance : {$810.00} XXXX  XXXX XXXX : {$5400.00} XXXX XXXX Balance : {$180.00} XXXX  XXXX Balance : {$220.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20
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:
On XX/XX/2019 I settled my student loan debt for debt XXXX : XXXX & XXXX. I have a letter from XXXX XXXX XXXX that states that this account was considered " settled in full ''. In both XX/XX/2019 & XX/XX/2019 the credit reporting agency reported this debt as a collection and unpaid and it has dropped my score. I am in possession of proof of this amount coming out of my account in full on XX/XX/2019 ; I have a letter dated XX/XX/2019 stating that this account is paid in full. 
This derogatory information is preventing me from buying my first home. I respectfully request your help in updating the derogatory information and the inaccurate late payments for XXXX & XX/XX/2019. 

If you require any documentation as proof of payment or a copy of the letter showing proof of payment, please let me know.

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 2020-09-24
Company: Nelnet, Inc.
State: NC
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 have three student loans reporting to my credit report. Two that are settled from XXXX. One that was opened in XXXX. The two that are closed are being reported accurately. The one I opened in XXXX is being reported as opened in XXXX, and is also listing all of my old late payments from the settled loans, from XXXX. This is a NEW loan and should not be reported as such. Currently these late payments are being reported twice, once under the new loan, and another under the old settled out loan. When I spoke to Great Lakes over a month and a half ago, the lady understood what I was saying and notated in my file that she recommended that I dispute the account with the credit bureaus. I did that. Fast forward to now, this information is still showing. Today I called Great Lakes again to follow up and they have zero answers other than to dispute again. 
The open loan was not opened in XXXX, I was never late on this account, it is being reported as " worst status 120 days late '' and three times 90 days late. I would like this fixed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13
Company: WAKEFIELD & ASSOCIATES, INC.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Wakefield and associates are trying to collect on behalf of XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX has never sent me any form of communication prior to sending this debt to a debt collection agency! I call and spoke with a rep. At Wakefield and Associates who explained that this debt was from when I was seen last year at XXXX XXXX XXXX! At the time of service I informed the front desk that I was a 100 % disable veteran with health insurance through the va. In XXXX of 2018 I was sent a letter from a different debt collection agency that was trying to collect on this same debt! I contacted my health care va rep and spoke with a rep. In XXXX XXXX billing dept. who admitted that XXXX XXXX Billed the wrong dept. for the va she said that they billed the va for a dependent and not the veteran. Because of this error they assumed I was uninsured! I filed a XXXX complaint which I will include XXXX XXXX response. It seems that XXXX XXXX sold the debt to XXXX and they sent it to a collection agency without giving me proper written notification and just sent it straight to a debt collection agency I have never done business with!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10
Company: EQUIFAX, INC.
State: SC
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 pulled my Equifax report and found a ton of hard inquiries that I did not authorize. It is damaging my credit. These are the inquiries that I have never had any type of credit with. 
XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20
Company: STERLING JEWELERS, INC.
State: MD
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 disputed this account for over a year now via all credit bureaus. I have specifically asked for when, where, and by whom this account was opened. And the information is never provided or even answered. This is not my account, and you can not continue to report it as you have not once verified the detailed information requested. Please provide all pertinent information used to open the account to verify it's accuracy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: Chime Financial Inc
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I have been banking with Chime for the past year, and have never had any problems .... UNTIL NOW!!!!!! 
On XX/XX/21 I received an email from chime 's support team stating that my account will be closing on XX/XX/21. YES YOU READ THAT RIGHT!!!! my account was closed the same day i received the email ... NO heads up to transfer money and/or change my direct deposit info to my other bank account. The closure of my account happened THE DAY BEFORE my direct deposit was supposed to hit ... Well here it is payday and i have absolutely no clue where my check is.. I have no clue as to if my check was returned to my employer or not. I have called, emailed, DM 'd on XXXX  AND XXXX  and no one can give me a direct answer. I don't even care as to why it was closed anymore I just want to know where the XXXX my check is ... .... I would NEVER suggest someone to use chime especially all the scam claims that are coming out about them now.. I wish i would've known before I ever used them

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: AMERICAN EXPRESS COMPANY
State: NC
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:
Thank you Amx for fixing some of the credit reporting issues on my bureaus. However, recently pulled today on XXXX, you are showing my Charge off in XXXX. That is not being reporting correctly. However, I appreciate you deleting the reporting " data '' on the other months and leaving those dates BLANK as should be done by the FCRA after the actually charge off date. Which I think is some where around XXXX or XXXX of XXXX. 

So, I am asking if you can please fix this, see image, and only show charge off on the date it was charged off, and NOTHING reporting after that. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI
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:
Attempted to cancel a trip for XXXX 2020 in XXXX XXXX. Due to pandemic and travel restrictions, we were not able to leave USA. XXXX XXXX  XXXX took the deposit of {$2300.00} in XX/XX/2020 for a trip in XX/XX/2020, and refused to refund stating the stay was non refundable. after sending emails for a couple weeks, XXXX XXXX XXXX eventually stoped answering emails after the US banned travel to the XXXX. Credit card company ( capital one ) says that because they did not confirm our cancellation, I can not be refunded. I send all of the email correspondence to capital one but they were no help on the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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: Problem with personal statement of dispute

Complaint:
I have called XXXX several times about removing incorrect late payments reported to the credit agencies from the months of XX/XX/XXXX to XX/XX/XXXX. I have set up payment plans for these months and have paid off over $ XXXX XXXX of the cards balance. They even sent an email that says because of my payment history I am afforded the benefit of the total card allowance of XXXX. Yet, they report that I've paid late 4 months?

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 2019-02-17
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I did not open, nor have I had, a XXXX XXXX account. Furthermore, I never received and correspondence or request for payment by mail from XXXX. I received a collection phone call from the company over a year ago where I stated I did not open the account and had alternative service from another provider for many years and I never heard again about this until I saw my credit report. 
I absolutely and categorically deny having anything to do with this account and anything contrary to that is fraud. I will NOT pay an account I did not open, authorize or benefit from.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-24
Company: SYNCHRONY FINANCIAL
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
There are two accounts in my file that have me as authorized user. I did not ask any body to be an authorized user.

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 2018-09-10
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: Information belongs to someone else

Complaint:
In the year 2013 my identity was stolen, unbeknownst to me, someone use my government issued social security number to obtain goods and services using my personal information. this theft took place while I resided at XXXX XXXX XXXX XXXX. I have sent notification of the invalidity of these debts to each creditor and the credit reporting agencies via certified mail as advised by my council with no response A COPY OF THESE REQUEST AND FILES HAVE ALSO BEEN SUBMITTED TO EACH CREDIT BUREAU VIA CERTIFIED MAIL AND SECURED FAX, I have sought council and gathered all the information, reports and followed the law in order to take the necessary steps to restore my good name, HOWEVER THIS COMPANY REFUSES TO RESPOND AND REFRAME FROM REPORTING THIS INVALID ACCOUNT TO THE 3 CREDIT BUREAUS UNDER MY NAME. ALSO THE CREDIT REPORTING AGENCIES CONTINUE TO REPORT AFTER BEING SUPPLIED WITH THE INFO AS WELL

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-10
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
In the year 2013 my identity was stolen, unbeknownst to me, someone use my government issued social security number to obtain goods and services using my personal information. this theft took place while I resided at XXXX XXXX XXXX XXXX. I have sent notification of the invalidity of these debts to each creditor and the credit reporting agencies via certified mail as advised by my council with no response A COPY OF THESE REQUEST AND FILES HAVE ALSO BEEN SUBMITTED TO EACH CREDIT BUREAU VIA CERTIFIED MAIL AND SECURED FAX, I have sought council and gathered all the information, reports and followed the law in order to take the necessary steps to restore my good name, HOWEVER THIS COMPANY REFUSES TO RESPOND AND REFRAME FROM REPORTING THIS INVALID ACCOUNT TO THE 3 CREDIT BUREAUS UNDER MY NAME. ALSO THE CREDIT REPORTING AGENCIES CONTINUE TO REPORT AFTER BEING SUPPLIED WITH THE INFO AS WELL

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 2023-02-21
Company: Innovate Managed Holdings, LLC
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This contract was broken it was the XXXX XXXX fault and Innovate Loan And The XXXX XXXXXXXX Fault they basically scamed me and the contract was broken i do not have that loan neither the vehicle itd affecting my credit score so bad i tried calling the Innovate they keep ignoring me and the only thing they tell me is to open a dispute and that should help i even have proof that i had to dispute a First time payment to get my money back from them and thank god i got it back because they are in the wrong here reporting wrong stuff to my credit please investigate what else can i do to stop innovate from hurting my credit that i been trying to build up! PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: Bread Financial Holdings, Inc.
State: WV
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I opened a card with XXXX  ( clothing dept store ) they had XXXX handling their cards at the time. I had tried to make payments but was advised they were in the process of switching from XXXX to Commenity bank, and I couldn't at the time. I had a balance of {$150.00} at the time. I made an XXXX payment, and now I have balance of {$350.00}. All in late fees, and they refuse to wave any late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/XXXX Toyota Financial Services received my monthly payment and cashed it. It hit my bank on XX/XX/XXXX. Since that time I have tried to get them to post the payment, but they have refused. First they said they never received it. When I sent them a copy of the cancelled check they said it was misapplied but they would correct the situation. I sent three messages and they closed all three requests without taking any action. It is now XX/XX/XXXX and they still have not posted my payment, which was due on XX/XX/XXXX. They've had the payment for 13 days and have done nothing with it. I am very upset, as this may affect late charges and my credit report. There is no reason for them to delay posting and I want this correct immediately. 

XXXX XXXX XXXX Acct. # : XXXX Payment amount : {$300.00} Co. : Toyota Financial Services, XXXX XXXX XXXX XXXX IL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20
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: Investigation took more than 30 days

Complaint:
I am a victim of identity theft. In which All 3 major Credit reporting agencies has already been notified of. I've submitted copies of my police report to inform each credit reporting agency. Experian has failed to comply with my written notice to them requesting to investigate and remove unauthorized inquiries on my report. I've written in details, requesting for the following companies inquiries to be removed from my credit report. As each inquiry was UNAUTHORIZED. Therefore, these items need to be removed. I would like for this matter to be investigated. Please see listed UNAUTHORIZED companies inquiries below. 

Unauthorized Inquiries 1. XXXXXXXX XXXX XX/XX/XXXX 2. XXXX/ XXXX XXXX XX/XX/XXXX3. XXXX / XXXX XXXX  XXXX XX/XX/XXXX 4.XXXX - XX/XX/XXXX 5. XXXX   XXXX - XX/XX/XXXX 6.XXXX/ XXXX XXXX XX/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 2021-10-11
Company: U.S. BANCORP
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
US Bank, National Association Acct / XXXX XXXX US Bank is foreclosing on my home. After the foreclosure moratorium was lifted, was not given any loss mitigation options and they immediately applied for a sherriff sale date in XX/XX/2021. I was not given any loan modification options. My wife was laid off during the pandemic but now we are both working and we could afford to make the monthly payment if we are able to get a modification with an interest rate reduction. US Bank refuses to speak to me about loss mitigation or a modification.

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 2018-09-10
Company: Convergent Resources, Inc.
State: FL
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:
I hire privacy guard to find out why I ' m having credit issues and they send me notice that a Company call ( Convergent outsourcing XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) register agent call XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX director XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I never hair from them before but privacy guard send me notice they are posting derogatory information about me at will without any notice or explanation.

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 2019-05-20
Company: Experian Information Solutions Inc.
State: FL
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:
There are two accounts in collections for a medical bill. The report doesn't show where the bill is coming from only two amount XXXX and XXXX. These bills are covered under medicaid and a complaint has been filed against XXXX XXXX XXXX. The information is incorrect.

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 2020-09-24
Company: Experian Information Solutions Inc.
State: VA
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:
Experian has the following incorrect addresses and names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX  has the following incorrect address : XXXX XXXX   XXXX XXXX XXXX, VA XXXX Transunion has the following incorrect addresses and names : XXXX XXXXXXXX XXXX XXXX XXXXXXXX, VA XXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX I have asked Experian, XXXX  and XXXX  numerous times to update my correct information because I do not reside at these addresses and these names do not belong to me. My requests continously are ignored. I want this incorrect inormation deleted immediately.

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