BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-15
Company: EQUIFAX, INC.
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 sent a letter to the credit bureaus on XXXX XXXX, asking them to conduct investigations on errors on my credit report. I have not received responses, and its been well over 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: The Receivable Management Services LLC
State: VT
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Receivable Management Services has begun sending me letters and phone calls about a debt related to XXXX ( XXXX ). The first time they called, I informed then that the debt was not valid and no legal binding contract was signed. They submitted a validation and returned back to me an invoice for less than XXXX XXXX  in euro dollars. However on their latest call to me on XX/XX/11, they attempted to collect over {$100.00} dollars. the conversion of XXXX euros to USD is roughly {$47.00}. Additional XXXX via email claims I owe them XXXX. However they shut off online access, and I have no way to reconcile how they come up with that figure, and RMS will not send me the accurate account history either. The account with XXXX was a pre-paid account and they continued to bill me and can not show how they come up with their figures. I must just trust what they decide to email back to me which is then different from what RMS wants to send back to me. When dealing with XXXX  directly, they suddenly demand i send it to them via wire transfer claiming i only owed them ( XXXX ). Then when i told them to get bent that i would never wire any company money, then the amount changes to XXXX. So do i owe XXXX, XXXX, XXXX ( invoice RMS sent me as " validation '' ) or their $ XXXX they told me on the phone Saturday? nobody has the right amount! 

Additionaly this all started because XXXX would not let me back into my account to ever cancel services. Something they are known as you dig into online reviews. So in the end, they stopped my online access, prevented me from canceling, sent me bills for services i did not want or need, submit the account to RMS for different debt amounts, fail to provide accounting records to review their claim.

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 2019-04-24
Company: SLM CORPORATION
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
In XX/XX/XXXX I was awarded two private loans through XXXX XXXX, with the agreement to pay {$50.00} a month for both loans. I was accepted to XXXX XXXX University for a XXXX XXXX  program. Before my first semester was over my boyfriend XXXX XXXX. He XXXX  himself in the garage and I found him. Due to my mental state my sister handled me withdrawing from the program. Now it is XX/XX/XXXX I am back in school working towards a degree in XXXX  to help people effected by XXXX. I currently owe XXXX XXXX around XXXX for a loan I never used. I have tried asking them multiple times for more information or resources to help my situation, with the result being futile. I do not want sympathy just simple fairness, as I do not think I should owe XXXX and growing on a loan I never used.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: ID Analytics, 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:
Wrong Addresses are on the account. I've called and changes have not been made. Also I'm getting mailed and credit information with my address but another person 's name that does it reside here. I also have accounts that need to be closed that are still open.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-06
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I requested that Equifax investigate the XXXX XXXX ( account number:XXXX  ) that is reporting on my credit report. According to the results I received from Equifax and my Equifax credit report the account was last updated XX/XX/XXXX. This means that Equifax has never conducted an investigation when I disputed the account. This is a violation of the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: Experian Information Solutions Inc.
State: TX
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:
Notice, it is a fact, affiant is aware, these inquiry is unauthorized and has been furnished without my consent. There was no permissible purpose and is a violation of 15 U.S.Code XXXX1b ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). Remove these inquiries XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX EXPERIAN, EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THE XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, XXXX  XXXX, and XXXX XXXX I as seen on my report in Exhibit A-C. Notice, it is a fact, affiant is aware, these unauthorized inquires which allowed third parties to obtain my consumer report under false pretenses has brought damage to my consumer report and reputation in the amount of {$1000.00} dollars per inquiry and XXXX is in violation of 15 U.S. Code 1681n ( a ) ( 1 ) ( A ) and is liable for each unauthorized inquiry.

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 2017-11-07
Company: Georgia Student Finance Authority
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
1. GSFA is reporting a student loan with late payments for XX/XX/XXXX.
2. I disputed this as inaccurate with all 3 credit reporting agencies based on a deferment but the payment history was " verified '' by GSFA.
3. I requested an investigation by GSFA giving them documentation from the current servicer showing the student loan was approved for a deferment, therefore could not be late when no payment was due. 4. I requested a hard copy of my GSFA payment history and deferment do
cuments in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Per phone call to GSFA, they advised me that I was approved for a student loan deferment to cover XX/XX/XXXX but refused to provide me with any copies of this approval when requested.
5. Section 623 ( a ) ( 2 ) of the FCRA states that GSFA has a duty to update information to the most current information. The retroactive deferment changed the accuracy of their reporting and must be updated to reflect the corrected accurate information showing no payments were due for the above dates. 

GSFA is reporting missed payments for reporting periods requiring no payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26
Company: ENCORE CAPITAL GROUP INC.
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Midland Credit Management has repeatedly called my work on a daily basis. It's been going on for months. I talked to them on the phone at my place of work in XXXX of XXXX, I made it clear that they can't call me at work. I asked them to give me a name and number that I could call back when I was on break. They wouldn't give me any information and didn't want to get off the phone. They kept on saying I needed to talk to them right now and that calling them back later will not do any good if I didn't finish talking to them. I was forced to hang up the phone because the person on the other end wouldn't let me call them back. Since then, they continue to call me at work multiple times per week. I have phone logs showing that they have called me up to Four days in a row. They have even left a message with the receptionist giving them the name of the company, Midland Credit Management and a note to have me call them back. This is embarrassing to me and also humiliating as I work in a small office with Three other people that can hear every word of my conversation. Today is Wednesday and they have called my place of work every day this week, so again today XX/XX/19, I answered the phone and asked the guy to please stop calling me at work. He said he would make a note of that if I stayed on the phone with him and finished this phone call. I said sir, I have asked your company before to please stop calling me at work. He replied " I will remove this number from your contact list, but only after we finish talking about the reason for this call and find a solution ''. This is harassment, and I want action to be taken.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-06
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Equifax leaked my personal information as well as the information of over 143 million Americans. This situation has affected me mentally as well as damaged my overall credit score and credit health. The three major credit bureaus XXXX, Equifax, and XXXX are now reporting accounts to my credit file that are a direct result of Identity theft. Credit reporting laws ensure that bureaus report only 100 % accurate credit information, and every step must be taken to assure the information reported is completely accurate and correct. 

I have requested debt validation, yet I have yet received any information in over 90 days. I am distressed that this account is currently being reported to my credit file. While I prefer not to litigate and contact the media, I will use the courts and publicity to enforce my rights under the FCRA. I will bring this information forth to a judge in my area, if these accounts are not removed from my credit file. 

The Fair Credit Reporting Act requires you to remove this account from my credit report as soon as possible. My lawyer has taken the steps necessary in order to bring this information forth to a judge in my area if this account is not removed from my credit file as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX, XXXX, Transunion added collection for {$1500.00} that was previously removed it is reporting this account as a new Deragatory mark on my credit report. I have not had any personal contact with the collection agency and the credit bureau DID NOT inform me this was being reported. This collect has now resurfaced and it is impacting me severely. I am currently disputing this with all 3 credit bureaus. I feel taken advantage of and the want to keep me in the negative. Please help 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 explanation
Consumer complaint received 2018-01-15
Company: CITIBANK, N.A.
State: NJ
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 requested Citibank to remove delinquent from my credit report based on the following issues that resulted in the delay of balance payment in my XXXX charge account : 1. Citibank sent the Bill of Statements to an invalid email account. 
2. Citibank failed to pursue other method to deliver the Bill of Statement.

3. Citibank sent a notification letter via United States Postal Service in an untimely manner. 

Citibank received automated email message and was informed that email message, Bill of Statement, was returned undeliverable. This is the content of a letter dated XX/XX/XXXX that I received from Citibank. Citibank failed to pursue other method to deliver the Bill of Statement as soon as Non-Delivery Report email message was received. Citibank allowed two billing cycles to lapse before a notice to account holder was initiated and sent as shown in the letter of notification with a date XX/XX/XXXX. Interest charges and late fees were incurred as a result. 

My payment history with Citibank N.A. and to any other credit card issued bank or financial institution have been spotless up until this incident. I would extremely appreciate if Citibank reconsiders and honor this request to remove the delinquent from 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 2019-06-26
Company: CCS Financial Services, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX XXXX, I started a car insurance policy with XXXX XXXX. The policy effective date was from XX/XX/XXXX - XX/XX/XXXX and the TOTAL premium was {$990.00}. I made my first payment of {$160.00} on XX/XX/XXXX. Shortly, after I made my first payment, XXXX tried to increase my premium. Thus, I cancelled my policy with XXXX via email and started a new car insurance policy with XXXX XXXX on XX/XX/XXXX. With that being said, I do not owe XXXX XXXX anything! Yet, XXXX is claiming that I owe them {$1000.00} and has either sold the debt to Credit Collection Services or hired CCS to collect the debt. Thus, CCS is now reporting on my credit reports that I owe them {$1000.00}. I have disputed the alleged debt with the credit bureaus and it came back as 'verified and accurate '. Therefore, I wrote a letter to CCS asking them to validate the debt by providing me with an original contract bearing my signature and full accounting for the amount claimed to be owed. In their response, CCS didn't provide me with either of the two, but instead, a bill printout from XXXX 's website. Lastly, I called CCS and spoke with a manager, XXXX. Basically, XXXX stated that although CCS does not have the necessary documents to validate this debt, CCS will not stop reporting to the credit bureaus, unless I could provide proof of my new insurance policy and notice of cancellation. I have provided the requested documents, even though, legally, I am not obligated. Please see attached.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16
Company: CITIBANK, N.A.
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:
I opened a Citibank Secured Card for {$600.00} credit limit secured by {$600.00} in XX/XX/2019. On XX/XX/XXXX, my bank declined to honor a payment on my account and Citibank added a {$25.00} return check fee. On XX/XX/XXXX, my bank did this again. Citibank closed my account on XX/XX/XXXX. I called them and they told me that they could not give me information as to why on the phone, and to wait for the letter that they were mailing me. They also said that once I received the letter, then I could ask for a new account to be opened. I waited several weeks and finally got the letter. I composed a letter explaining the situation with my bank and promising it would not happen again, and asking for a new account. I have tried calling their customer service center several times and can not get any information. They just talk in circles about the account is closed and that I need to pay the minimum payment on the account. I ask about my secured deposit and they just talk in circles that it takes them 21 days to review. At the time I was calling, it was XX/XX/XXXX ( today ), which has been OVER 21 days. When I point that out, they just repeat their script that it takes them 21 days to review .... I have already gotten a statement from them dated XX/XX/XXXX. which is after the " closed '' account. And the balance is {$590.00}. They have a security deposit in the amount of {$600.00}. So my thought is that they apply that to their bill and it IS closed. But they are holding my {$600.00}, closing the account, and still saying that I need to continue to pay the bill while there " 21 day review '' happens. But the 21 days has come and gone. I want either a new account opened secured by the {$600.00} and they can transfer over the {$590.00} balance and I can go back to paying and using my card as I was .... OR Apply the {$600.00} deposit to that final bill and we can be finished. 

Please help me as their customer service center is frustrating and just repeats the same script no matter what you say or ask. 

I am attaching the statement and the text from their website in regards to this secured card.

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 2022-03-08
Company: SYNCHRONY FINANCIAL
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:
Synchrony XXXX Consumer account reporting XX/XX/XXXX covered under Covid 19 plan no payment due and XX/XX/XXXX reported late inaccurately when they received a removal of account payment for waiving late fee account compromised and refund of ancillary services applied company has repeatedly stated they sent for correction to credit bureaus this occurred from human error and rest assured it would be fixed since such time I have paid in full. 

It also is marked as a secured loan when it was unsecured You already received {$27000.00} from me and I consider you practices to be beyond deceptive and misleading to say the least

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 2017-11-07
Company: EQUIFAX, INC.
State: CA
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:
dates from XX/XX/XXXX TO XX/XX/XXXX AND XXXX CREDIT BUREAU OVER THESE MONTHS I HAVE DISPUTED FOR ACCURACY AND VERIFICATION AND VALIDATION OF PUBLIC RECORDS, NEGATIVE ACCOUNTS AND INQURIES THAT WAS UNAUTHORIZED. NOT ONLY DID I DISPUTE THESE ITEMS BUT I REQUESTED FOR THE METHOD OF INVESTIGATION AND I REQUESTED FOR CERTAIN ACCOUNTS TO BE CHECK FOR ACCURACY AND IF THEY WAS, TO PLEASE UPDATED THEM IN MY CREDIT REPORT AND TO EXPLAIN HOW THEY WERE VERIFIED. OVER 3 SEPERATE DISPUTES I REQUESTED THE SAME REQUEST AND THEY NEVER DID. WHICH IS A VIOLATION OF THE FCRA.. THEREFORE THE ARE OVER THE 30 DAYS DISPUTE ON EVERY DISPUTE I FILE. I ALSO FILE DISPUTE FOR INQURIES AND THEY NEVER DISPUTED THEM. WHICH IS A VIOLATION OF THE FCRA.. THEY ARE ALSO OVER THE 30 DAYS. XXXX HAVES DISPUTES THAT I SENT THEM, THAT THEY NEVER DISPUTED AND THEY ARE NOT FRIVOUS DISPUTES I AM REQUSTING THAT THEY DELETE AL THE NEGATIVE ITEMS THAT DISPUTE FOR NOT VERIFYING THEM WITHIN THE 30 DAYS, OR I WILL FILE COURT INJUNCTIONS AND CIVIL SUITS AND MORE COMPLAINTS. ALSO COMPLAINTS ITH THE ATTORNEY GENERAL. THESE ARE THE ACCOUNTS THAT MUST BE DELTED. THEY ARE ALSO INVOLVE IN FRAUD 1.XXXX XXXX # XXXX 2. XXXX XXXX # XXXX 1. CA BANKRUPTCY XX/XX/XXXX 2. TX BANKRUPTCY # XXXX INQUIRIES ARE THE INQURIES THAT I DISPUTED. I ALSO REQUESTED A FREEZE ON THESE CREDIT REPORTS AND SOMEONE IS STILL GETTING INQUIRIES FROM MY CREDIT REPORT AND THEY JUST DONT CARE. THESE COMPLAINTS THAT I AM FILING IS VERY TIME COSUMING BUT IF THEY CONTINUE TO WASTE MY TIME, THEN THEY WILL PAY WITH LAW SUITS

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
On the week of XXXX XXXX, 2017, I received the attached letter from Capital One stating that a credit card application had been submitted in my name and that they needed further information to confirm my identity. This was a fraudulent application made on my behalf. 

On Monday, XXXX XXXX at approximately XXXX CDT I contacted Capital One at XXXX to advise this. During the call, I identified I was in receipt of their correspondence by reading back to them the Application ID number that appears on the letter. However, they would not declare the application fraudulent until I provided them with my birth date. I told them categorically I will not provide them with any other information than what was in the letter as I never intended to do business with Capital One. The Capital One representatives I dealt with had ID codes XXXX ( XXXX ) and XXXX ( XXXX ). 

Capital One would not relent and would not declare my application as fraudulent, so I am writing to the CFPB to ask for your assistance in this regard.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: Conn's, Inc.
State: NV
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:
there was a conns home plus opened in my name with a total amount owed of {$6000.00} and there was some balanced paid in there records and there saying i owe XXXX and there was a call got them stating they wanted to use the store insurance to get new items that were stolen so they have denied my fraud claim and told me i was a liar. i never have been in a conns or opened an account with them.

Company response to consumer: Closed with explanation