BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-25
Company: EQUIFAX, 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:
I applied for a debt consolidation loan and unfortunately, I did not get approved. I called them to ask why I was denied and they told me that I didn't qualify because there are four accounts with negative history appearing on my credit. I looked through my credit report and sure enough, there are four negative accounts that I never opened. None of these accounts belong to me and I did not give anyone permission to open these accounts using my personal information. In 2013 I lost my wallet at XXXX XXXX XXXX XXXX which had my driver 's license, ID, social security card and my debit card. I did not authorize these companies to have access to my credit file now personal information ; I did not benefit anything such as money, goods, services or any other benefit as a result of these unauthorized accounts. I have filed this report to the best of my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
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: Public record information inaccurate

Complaint:
I submitted a dispute on their website on XX/XX/21 for my bankruptcy that got discharged but was still showing as open on my credit report. I got an email on XX/XX/21 saying that the information on my credit report was accurate, when I know for a fact that it is not. I called the company and they said they called and confirmed with the bankruptcy, and that it is still showing as active. They gave me the number and I called and recorded the information that said it was in fact discharged. At this point I don't know what else to do, I just want this showing correctly on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13
Company: Credit Systems International, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I would like to dispute the collections account from CREDIT SYSTEMS ( XXXX XXXX XXXX XXXX XXXX ) This account was created as fraud, and should be removed from my account. I have no idea what this is and

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I attempted to pay my Macys debt ( Account # XXXX ) and was unable to do so because the account is to old and because the company issued a 1099-C form.

I'm currently working with a mortgage company and they are requesting I pay the account in full. After multiple attempts to pay the account off, and after being told I was issued a 1099-C form, is it possible for my Macys account to show a balance of {$0.00}. 
Thank you for your time!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-09
Company: Experian Information Solutions Inc.
State: PA
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:
I 've sent many letters to each COLLECTION AGENCY to remove CLOSED ACCOUNTS and to provide proof that i authorized and if they CAN provide proof to send it to me.

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 2017-09-28
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have had an auto loan with Citizens Auto Finance since XX/XX/XXXX. On each month, my payment is due on the XX/XX/XXXX, in the amount of {$260.00}. In XX/XX/XXXX, I missed a payment and was charged a late fee, while the past due amount was added to my payment for XX/XX/XXXX. In the subsequent months ( XX/XX/XXXX - XX/XX/XXXX ), I made sufficient payment to cover the past due balance, and the initial late fee that was incurred. As I continued to make additional payment above my principal payment, Citizens continually misapplied my additional monies. Rather than satisfying my past due balance and late fees, the additional monies were applied to my principal balance. As such, my past due balance and late fees continued to compound, through XX/XX/XXXX. In XX/XX/XXXX, I contacted Citizens on three separate occasions to have the payments properly applied, to satisfy the late fees and past due balance. Multiple customer service representatives addressed the issue, and I was told that the extra monies were not properly credited because I " put the payments in the wrong box '' when making online payments. In the subsequent months, I made online payments as directed by the CSRs at Citizens. Payments continued to be applied incorrectly. After multiple conversations in XX/XX/XXXX, I was assured the issue had been resolved, and all payments were properly reapplied, therefore satisfying any late fees and past due balance. After checking my online loan balance, my current past due and late fees were {$0.00}, as assured. In XX/XX/XXXX, I received a statement for my regular principal payment of {$260.00}, plus an additional late fee, despite my on-time payment in XX/XX/XXXX, and the reapplication of my past payments. Upon further investigation, Citizens had reversed all the reapplied payments, once again charging me late fees for a balance that had long since been satisfied. In XX/XX/XXXX, I called Citizens to address the issue. The representative told me he " did not see a late fee on the account, '' and instructed me to make my payment as normal. On XX/XX/XXXX, I made my payment on-time, paying the full amount due, but not the late fees, as I was assured they were not on the account, and should not have been, if Citizens had properly applied my payments to the loan. In XX/XX/XXXX, I once again received a statement with late fees. On XX/XX/XXXX, I contacted Citizens once again, and was told the late fees existed from the XX/XX/XXXX past due payment. I explained the issue once again, including the resolution that was supposed to happen in XX/XX/XXXX. The representative, and subsequently a supervisor, continued to insist the late fee was valid, and would not remove it from the account. As such, I am contacting this institution, as Citizens will not properly reconcile my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-25
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I've disputed collections accounts regarding the collection agencies XXXX XXXX XXXX and XXXX  XXXX XXXX with all 3 Bureaus Equifax, XXXX  and XXXX. According to my findings I see that there has been duplicate reporting and also the collection companies have participated in illegal re-aging the accounts. From my knowledge this is against the law and that they have committed a violation. I would like for them to remove these accounts from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
My loan is from XXXX XXXX XXXX XXXX, CA for a XXXX XXXX XXXX XXXX certificate back in 2001. I could not do the XXXX required to get certified after completing the class. I was working full time single head of house so going parttime was not an option. I could not attend a XXXX offer for 4 hrs a day for a month to complete my certificate so I could not become a XXXX or XXXX. I however paid {$1000.00} cash and a loan for the rest like {$4000.00}. I have tried to make payments of {$50.00} as agreed upon a long while ago. I however was called by a lawyer who told me they could get 65 % off my loan amount removed ( I have 2 different loans totaling {$13000.00} estimate ). The cost was {$150.00} a month and could take 18 to 24 months. I went with them and they told me I could stop paying on my loans until it resolved if I chose so I stopped paying. I was told I would not get harassing calls by the lawyer but I still did every day sometime twice a day. After about almost 6 months I said forget it and dismissed the lawyer and began paying on my loans. By this time they said I went over my 260 day before it goes into default but I think I am a few days short. They would not hear it they just kept talking garnishment of my pay check. I had to agree to make large payments of {$310.00} on one ( XXXX ) and the Navient/XXXX of {$370.00} that I fell is a whole lot leaving no money for my other expenses. My big concern is with Navient who said they sold the loan to XXXX and that I was in default. I got a bill from Navient last month that says my payment is {$50.00} due in XX/XX/XXXX and when I was making payments to them I called and asked if I was behind on my payment and they said no. I am confused why they say I am ok but this XXXX said I am in default and set me up with these large payment that I had to agree to or have my paycheck garnished. I want to go back to paying my regular payment and be taken off the default list as I am not according to Navient in default. My name is XXXX XXXX and my contact phone is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I have contacted Transunion to have 2 accounts pay status corrected or removed. The accounts : XXXX XXXX XXXX #  XXXX with pay status being ( account included in Bankruptcy, Chapter XXXX ). Transunion provided a document saying after their investigation the record was updated to Chapter XXXX Bankruptcy and date closed was XX/XX/XXXX. First this account was never in a bankruptcy XXXX or XXXX. And the account was sold to another lender XXXX XXXX on XXXX/XXXX/XXXX. This would not match the account being in bankruptcy which they show would come off my report in XX/XX/XXXX which is 7 years so that would be before the date it is sold to another lender. There is no proof of the bankruptcy by reference or number and the dates are inaccurate. 

The XXXX record on my Transunion report have multiple inaccuracies. The report states that the account : XXXX # XXXX with a pay status being ( account included in bankruptcy Chapter XXXX ) Transunion states that upon investigation that the information was verified as accurate. All the dates for this record are incorrect. First the open and close date is incorrect. The record also states that the last payment was made in XX/XX/XXXX which is incorrect. The date closed XX/XX/XXXX is that the date the bankruptcy that there is no proof of even on their credit report was filed and if so why is the estimated date of removal of this record XX/XX/XXXX which would not be 7 years from any of the dates listed on the record? 



The FCRA sections XXXX all reference the details of the accuracy of Credit records and what has to be accurate and the procedure for removal of the records that are inaccurate. These records meet all the criteria and have remained on my credit record causing financial and emotional harm concerning my credit and ability to pursue credit. 

I at the least would want the inaccurate items removed and have considered additional legal action. 

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 2022-04-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
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, the consumer and natural person was denied credit, my account was put on restriction, and it was reported to the credit reporting agencies XXXX and XXXX that the account was closed, without my consent by Capital One when I exercised my right to remit my payment coupon. I endorsed and submitted my remittance coupon to Capital One that was delivered on XX/XX/XXXX via certified mail. My balance was {$390.00} of a {$400.00} limit, I submitted my coupon for {$350.00}. On XX/XX/XXXX I got various notices in my online documents saying my spending privileges was suspended and my account was restricted. Also stating that it was because of severe delinquency or over limit status, which it was neither my account was in good standing. I didnt notice this information until XX/XX/XXXX and saw that I sent my remittance coupon to the incorrect address that processes those transactions. So, I resubmitted a new endorsed remittance coupon for the amount of {$350.00} and sent it via certified mail that was delivered on XX/XX/XXXX. Since then, my XXXX XXXX alerts has notified me that the credit reporting bureaus are stating my account with Capital One is closed. Capital One now has two of my original endorsed coupons I have sent. Since there was no return of my negotiable instruments, they have now accepted 2 payments towards this account. The company has failed to apply the remittance to my balance, failed to acknowledge reasons as to why the instruments were not accepted for payment, even though they were not returned ; which by definition is accepting payment per each coupon, and have continued with defamation of character in credit bureau reporting, all while harming a living soul.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: AMERICAN EXPRESS COMPANY
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
It has come to my attention that after several years of communications with American Express about two credit cards that were opened in XX/XX/2016 by fraud, that they are still appearing on my credit reports and now appear as charge offs. Furthermore I received a collection letter from a collection agency trying to collect on these cards. I have reported this also to the 3 credit reporting agencies that they have failed to respond to my letters about these account. First account that is on my report is XXXX, and second is XXXX. These are fraudulent accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-14
Company: Bread Financial Holdings, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
As part of my closing and a refinance, BJs Master Card ( Comenity Bank ) was paid by the closing law firm of XXXX XXXX XXXX. This law firm sent BJs a payment on XX/XX/2021 after the refi. closing on XX/XX/2021. The payment was deposited into Capital Comenity Bank on XX/XX/2021 which would have given me a XXXX  balance. I needed this done to close on a new property I am in the process to purchase. I sent Comenity Bank a copy ( emailed from the closing attorney ) a copy of the check with their stamp on it, " XX/XX/2021, Capital Comenity Bank ''. Comenity stated it would be up 90 days for them to investigate where the money went. I'm still being charged interest fees on an account that should be showing a XXXX  balance. I've never been late on a payment, always pay more than the due amount, always pay early. I've been a great customer. 

Absolutely unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I had a loan with Ace Cash on last year and today I get a call from another company saying they are verifying my wages to file suit and they will PURPOSELY add on {$2000.00} to it. I told them I will speak with my lawyer before I agree to anything and XXXX told me MY LAWYER COULD DO NOTHING. I HAD TO PAY OR ELSE. THAT 'S HARRASMENT. I have not heard from these people in a year and now out the blue they call with scare tactics. I have the screen shot the number they left and I called back. They are RUDE and need to advice there employees that we have rights also.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28
Company: Acceptance Solutions Group, INC
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
I called into Ohio Acceptance 2 days before my payment was do to withdraw from my account to set up an arrangement to make the payment on a later date. The amount of {$160.00} was due on XX/XX/XXXX, I wanted to post phone the payment until XX/XX/XXXX. My next payment was set to come out of my account automatically on my next pay day which is XX/XX/XXXX, in the amount of {$160.00}. The person on the phone, her name is XXXX, told me on a recorded line that she agreed to allow me to make that arrangement. She told me to call in on XX/XX/XXXX to make the payment over the phone for {$160.00} to avoid having a double payment of {$320.00} due on XX/XX/XXXX. She agreed to all of this. Well, today I look at my checking account and not only did Ohio Acceptance withdraw the {$160.00} that I needed to pay on XX/XX/XXXX, but they withdrew an extra payment, so in total {$320.00}. I did not agree to this, XXXX said nothing of the sort on the phone with me. My checking account is ruined and now I am short on rent. Please help me with this, I do not know where else to turn for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28
Company: Messerli & Kramer P.A.
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Your announced actions on XXXX XXXX XXXX VS XXXX XXXX XXXX sounds like the issues with XXXX XXXX XXXX in their case filing of XXXX XXXX XXXX in Wisconsin. 

The attorney XXXX XXXX filed an affidavit with false and misleading claims. 

1 ) They have a file and computer system that only outputs true, complete and accurate information.
2 ) The account they are trying to collect on has been in existence from XXXX. 

I do n't believe the firm has a magic file cabinet of truth or a computer system of such. And I have 1st hand personal knowledge - the account from XXXX was cancelled by the claimed creditor XXXX XXXX when it had a {$0.00} balance, only one historical overdue payment, and a history of non-use for months before cancellation. The last 4 digits the firm submitted with a document from a XXXX date showed a different last 4 digits VS the claimed last 4 digits which had been the account number from XXXX. 

The XXXX action noted how review of the account was needed before filing and a review would have shown a lack of activity from around XXXX of XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28
Company: Altisource Portfolio Solutions, S.à r.l.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
COLLECTOR KEPT CALLING ME AT HOME AND CELL PHONE 11 TIMES AFTER CEASE AND DESIST COLLECTIONS DEALING WITH XXXX MYSELF ( SEEPAYMENTS ) AND VALIDATION I I FURNISH XXXX XXXX, XXXX. SEE CELL PHONE CALLER I.D..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28
Company: The Receivable Management Services LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
There is a debt being reported to my credit report from Receiveable Management that I paid years of go. I have sent letters to the credit bureau and the company and the debt was verified without any proof. This is killing my credit score.

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 2019-08-08
Company: EQUIFAX, 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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-28
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
I 'm wanting to refinance my home but to do so I was told I need to raise my credit score. The last week of XXXX I paid down my credit debt over {$6800.00}, more than what was advised. 
Have through 4 weekly updates and 1 monthly update with no change with the exception of one credit inquiry which immediately dropped my score 2 points.
Equifax is reporting bureau and I have tried contacting them with little success. I keep getting told that I need to look at my account to see when it 's scheduled to update. An as I mentioned already I 've been through several with no reflection of my updated credit information. Example I paid off one credit card completely and it still showed after over a month approximately {$5400.00} on the card.

Company response to consumer: Closed with explanation