BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-24
Company: I.C. System, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XX/XX/XXXX, I checked my credit report and noticed an account in collection which was not mine in the amount of {$1000.00}. The company " XXXX XXXX '' which turned out to be a collection agency representing XXXX. I filled out a police report for Identity Theft, I filled out an identity theft report with the FCC, and I filled out a Identity Theft Affidavit. I sent these items to XXXX, XXXX, and XXXX. XXXX XXXX and XXXX removed to delinquent information from the credit report. Then In XX/XX/XXXX, XXXX hired IC system another collection agency to collect another dept of {$1500.00} which turned out to be the same fraudulent Identity theft account which was disputed back in XX/XX/XXXX. The increased amount are fees attached onto the first dispute of {$1000.00}. I have filled out another Identity Theft Packet and sent all supporting documentations to prove that the account does not belong to me. XXXX is still not cooperating with clearing the information from my credit report. The damage is that I can not refinance my mortgage to a 15 year loan until the information is removed. I feel the XXXX is being malicious because they new back in XX/XX/XXXX that this was Identify theft but they continue to file bogus debts on my Credit report. I need to get this resolved. I am the victim being victimized.

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 2018-10-15
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX I wrote a letter to Phoenix Financial Services, a third party company, asking them to validate the debt in which they were attempting to collect. They sent back a letter with charges in the amount of {$390.00} from XX/XX/2016. They failed to validate or prove how this debt is connected to me. I learned of this when it was reported to the credit bureaus. I received no letters nor phone calls trying to collect prior to this. I do not own this debt and I need them delete this from all 3 credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
tricked me into using balance transfer checks. first sent a series of checks for 1.99 percent. then followed by a series for 2.99 percent then lastly a series for 0 percent to start cycle over again. entrapment. in small print on the back of info says may apply to lower apr balance first.

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 2021-07-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
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 have unauthorized inquiries on my credit report from capital one. There four in total here are the dates Inquiry date : XX/XX/XXXX Inquiry date : XX/XX/XXXX Inquiry date : XX/XX/XXXX Inquiry date : XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-29
Company: P.S.C., Inc
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX and XX/XX/XXXX, Puget Sound Collections added derogatory marks on my credit reports. Upon further research, those accounts were transferred /sold and I am no longer responsible for them. Debtors creditors did not verify those collections. Also there was no written form of communication, contract or signature for those account debts at all. 
Please provide me with the following : Signature for those account debts at all. 
What the money you say I owe is for. 
Explain and show me how you calculated what you say I owe. 
Provide me with copies of any papers that show I agreed to pay what you say I owe. 
Provide a verification or copy of any judgment if applicable. 
Identify the original creditor. 
Prove the Statute of Limitations has not expired on those accounts. 
Show me that you are licensed to collect in my state. 
Provide me with your license numbers and Registered Agent or Agent of Service.

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 2019-02-15
Company: FIRST NATIONAL BANK OF OMAHA
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Mid-XX/XX/XXXXI received a letter from the XXXX XXXX, XXXX XXXX XXXX, XXXX, NE XXXX Fraud Prevention Department that they had placed a temporary block on my account because of suspicion of fraud and asked that I call them about the matter. Because I am XXXX XXXX I can not use the phone so responded to their letter by USPS mail telling them that I had not used the credit card involved in over 6 months and it indeed was probably a case of fraud. 
I received NO RESPONSE. 
Mid-XX/XX/XXXX I received an exact duplicate of their XXXX letter. 
Later in XXXX I received an invoice from XXXX XXXX MasterCard for {$180.00} with a transaction date of XXXX listed as a description " XXXX XXXX '' XXXX I noted on copy of invoice that it was a fraudulent charge and sent them a copy of my XXXX letter. NO RESPONSE. 
Asked my daughter to contact them by phone to settle the matter and get a replacement card. Received replacement with an expiration date of XX/XX/XXXX. Card no good. 
Daughter called again requesting a corrected card but card never arrived. Daughter called again and was told there was a balance due on card and new card could not be issued. Fraudulent charge had been deducted but interest they charged was still listed as a balance due. Daughter called again and asked to cancel card because of difficulty dealing with them, to which they agreed. 
The next day I received an email from credit card services telling me that my FICO score had been changed from XXXX to XXXX. 
XX/XX/XXXX I wrote to XXXX XXXX, Customer Care Sr. Specialist ( only name I had through all correspondence concerning the matter ) that they request my credit score be reinstated immediately because of their error or I would file suit against XXXX XXXX. It is now 14 days later and I have had NO RESPONSE. 
XXXX XXXX is deliberately jeopardizing my credit rating and I am contacting you for advice and help before I file suit against them.

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 2018-05-08
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: CA
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:
When l checked my XXXX Credit Report, l noticed that an unknown hard inquiry was made by ONEMAIN on XX/XX/2017 which l have no idea about it at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15
Company: Square Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Okay so i Signed up for an App called cash app which turned out to be an great app until yesterday XXXX, XXXX were i noticed i could not use the card that was issused to me fron Cash app. As i looked more into detail on what was going on And i found out that they froze my account without letting me know anything i broke no rules or violations i simply used the app to send and receive money but i followed the rule on how to withdraw money and as i did they wouldnt let me take my money out of the cash app so now i have a problem because all of my money is in cash app and i cant get none of it i tried contacting them multiple times and i never got one anwser i really feel like this very unprofessional like for small business and others who tend to just use the app personally

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15
Company: Bread Financial Holdings, Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I made a {$200.00} dollar payment in XX/XX/XXXX. I forgot my payment in XX/XX/XXXX but have never been late on a payment to XXXX XXXX in the three years Ive had a credit card with them. I made my payment in XX/XX/XXXX on the XXXX. On XX/XX/XXXX XXXX XXXX field my account as delinquent which have decreased my credit score by 45pts over {$38.00} they claim to be past due. This is ridiculous and has hurt my credit standing with my other providers ; thus, potentially putting me into economical hardships while I plan my wedding. On XX/XX/XXXX I paid off the XXXX card {$250.00} dollars I would like my account rectified. This is awful credit investigation on XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-04
Company: STATE EMPLOYEES CREDIT UNION
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: Investigation took more than 30 days

Complaint:
I've filed a dispute in regards to the incorrect items on my credit report to XXXX  it has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
Company: TOYOTA MOTOR CREDIT CORPORATION
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: Problem with personal statement of dispute

Complaint:
I messaged Toyota XX/XX/XXXX advising them that I had a XXXX baby and due to unexpected financial expenses and out of pocket medical cost that arose due to this XXXX birth I was going to be late on my payment. The message follows : Hello, I will be submitting a XXXX XXXX dollar payment XX/XX/XXXX. I will be submitting an additional XXXX XX/XX/XXXX. This will cover XX/XX/XXXX payment and XXXX of XX/XX/XXXXpayment with the following XXXX to complete XX/XX/XXXXpayment to be paid XX/XX/XXXX. I have fallen behind because I had a XXXX baby born XX/XX/XXXX and had many out of pocket expenses that I needed to cover after the ordeal. '' I reached out to them again via the secured portal XX/XX/XXXX and they advised me to send all correspondences to XXXX XXXX, IA. There was nothing resolved in my request at this time either. I followed up with a certified letter XX/XX/XXXX, asking that these late fees be waived and again still nothing. I spoke with XXXX an agent at Toyota XX/XX/XXXX and she advised me to dispute with the credit bureaus. That was done and the bureaus directed me back to Toyota who provides the info. 

I am asking for the payments reflecting late XX/XX/XXXX and XX/XX/XXXX to be waived and updated. Thanks!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-10
Company: General Motors Financial Company, Inc.
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
There is a fraudulent account on my credit report that has become egregious and is not mine. I do not know who used my name or how this came to be a debit of mine. It is a debt from GM FINANCIAL I cant say this more emphatically, I have never had a GM FINANCIAL account in my life and could you please remove this immediately. Also, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. There is no such document because this isn't my debt so please remove ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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:
I have a capital one credit card for last 7 years and I got the letter that they have closed my account. I called them to reinstate the account but they are not ready. They did not send me a letter to explain that they will close my account because of inactivity. After checking with them, they said for this kind of account we do not send letter and can close account at companys discretion. This is my old account and closing it will impact my credit history badly. They are not ready to understand my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: Westlake Services, LLC
State: OH
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On Tuesday XX/XX/2020 I received 6 phone calls from my auto loan company, westlake financial, to collect on a {$200.00} balance. I made a partial payment of {$150.00} on XX/XX/2020. My payment is {$350.00} due on the XXXX each month. It's been my 3rd payment since getting the vehicle. All payments have been paid in full and on time. I need extra time due to a corona layoff, I asked for more time or if they had a program due to the outbreak. I returned a voice message and spoke to associate at XXXX and explained the situation. I was reminded about my contract and my obligation to pay. Moreover, I spoke with a supervisor who again reminded me of my signed contract to pay, during a pandemic, and told her the same thing I told 3 other associates. Even after that 16 minute phone call, I received two more phone calls. All I was asking for was more time, what I got was a harassment. This was deliberately done and there should be a punishment for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: ID Analytics, Inc.
State: MD
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: Was not notified of investigation status or results

Complaint:
I contacted to sagestream to place a security freeze in place. I did this several weeks ago! Ive called them to verify but havent gotten any response like they state they soon the answering machine. I need to know if this has been taken care of or not. 

Furthermore I never gave this company permission to have or share my information to begin with.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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:
XXXX2022 
capital one auto fin
unauthorized inquiry

XXXX2022
XXXX XXXX XXXX
unauthorized inquiry XXXX/2022
XXXX XXXX XXXX  unauthorized inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26
Company: Resurgent Capital Services L.P.
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 status incorrect

Complaint:
XXXX  dispute removed a collections account after opening a dispute and the collection is removed but the company re-reports the information to my credit agency after removall. 

Name of collection agency : XXXX XXXX XXXX. 
Amount : XXXX Account : XXXX * * * Creditor Information - XXXX XXXX XXXX RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX XXXX SC XXXX ( XXXX ) XXXX Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-15
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I am filing this complaint because I was mislead by XXXX XXXX at XXXX XXXX during my refinance process. 

Although I was going to get a slightly lower interest rate, I was hesitant to refinance because I was already 1 year into my PMI payments with the current loan at Wells Fargo. He insisted that the lower interest rate would out weigh the ONE year of extra PMI payments. 

-- My father is my witness as I placed ALL phone conversations on speaker phone so that he could listen and ask questions on my behalf ... 


XXXX told " us '' that I would not have ANY issues getting rid of the PMI after the 5 years. He said to make sure that I was never late with any of my payments. He explained that I would want to reach out to the bank at least 6 months prior to the 5 year contract term to " get the ball rolling ''. He said I would probably need to obtain and pay for another appraisal but in the end ..would n't it be better to pay {$500.00} dollars for that than to pay the PMI monthly. He said that as long as the appraisal showed there was 20 % equity in the home, the bank would have to cease the PMI payments. He went on and on about the current house market ( at that time ) and how the house was probably close to it already. He said there would be no issues. 

A month after my refinance went through, I received a letter from XXXX XXXX XXXX telling me that my mortgage was sold to Wells Fargo. 

So when the 4 1/2 years had gone by and I had paid all of my payments on time, I reached out to Wells Fargo to discuss removing the PMI at the 5 year mark. I was told then that it could not be taken off until their was 20 % equity of the " original '' purchase price. This would have me paying these PMI payments until XX/XX/2021. This was NEVER mentioned by XXXX. 

I feel I was completely mislead just so that he could possibly have met his " quota '' for refinances. And I am now paying the price.

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 2018-10-15
Company: Ray Klein, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX, account number XXXX, a collector for XXXX XXXX XXXX is trying to collect a debt I do not owe and is wrongfully appearing on my XXXX  credit file. 
At the time of service I had XXXX, XXXX XXXX XXXX XXXX, A GOVERNMENT INSURANCE that I have had most of my adult life and that was in full force and effect. 
The treatment was for XXXX XXXX XXXX XXXX that was completely covered by insurance.The insurance person at the hospital came to me after doing the paperwork and said regarding the insurance '' ok, everything is fine. ''

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 2018-03-09
Company: EQUIFAX, INC.
State: TX
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:
for the past year, my Equifax has been stuck on the same score nothing about it has updated or changed. I was hoping you all can contact them and handle the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: EQUIFAX, INC.
State: AL
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15
Company: FC HoldCo LLC
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have a loan with XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and XXXX XXXX with no successful resolution. XXXX is the only one reporting me late. There was definitely an error on their part. I was never 30 days late XXXX, XXXX - XX/XX/XXXX / 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