BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-08
Company: Experian Information Solutions Inc.
State: NY
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:
Experian refuses to remove a collection account, even though it has been paid in full. I have repeatedly tried to contact 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 explanation
Consumer complaint received 2020-09-11
Company: Experian Information Solutions Inc.
State: FL
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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2021-06-22
Company: Rozlin Financial Group, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, I sent this company a letter requesting that they validate the date and they sent me an itemized bill. The original creditor is trying to make me pay a deductible for services that wasn't performed. I informed my Warranty company XX/XX/XXXX that they did absolutely nothing just came out and didn't even look at the issue and said they can't do anything and they said I am NOT RESPONSIBLE FOR this debt. I then sent a letter to the collection agency on XX/XX/XXXX requesting for them to show proof that services were rendered by this company and they just said the debt was verified that is not accurate and they continue to report this debt on my credit when the Original creditor DOES NOT have proof that they even provided services. I am not in the process of pursuing civil litigation action and even pursuing obtaining a consumer rights attorney regarding the bureaus continuing to collect on this unverified debt. This debt collector as well as the original creditor are continuing the report this and is a violation because they are charging me for services that were never honored by the original creditor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I called to have a security freeze and security alerts removed. They would not remove 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 explanation
Consumer complaint received 2018-07-21
Company: Mercedes Benz Financial Services
State: NY
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 was the victim of identity theft and my payments accounts were compromised causing payments to be returned. Mercedes Benz refuses to accept this even though I have sent them a copy of my driver 's identity theft report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17
Company: CNG FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I received a call from a " Blocked Number '' and the caller indicated that she was with " XXXX County '' and that a Mediator had been assigned to a case that was filed against me. She gave me a phone number ( XXXX ) to contact the mediator and a case number to reference ( XXXX ). When I called I was told it was in reference to a debt with XXXX XXXX XXXX. The person I was speaking with said she was a mediator working with an attorney and they were going to file a lawsuit and lock my bank account, garnish my paycheck, and contact my employer. She talked and talked and talked and talked and was clearly trying to come across as " helpful ''. She then started asking me personal questions like " Did something bad happen in your life that caused you to default on this loan that is very obviously yours? '' I refused to answer any questions and asked her repeatedly what it was she wanted. I pointed out that we'd been on the phone for over 8 minutes and she had yet to tell me what she wanted. She eventually wished me luck after pointing out that I must not care about my debt. 

I knew enough that I refused to acknowledge the debt or any knowledge of said debt, and I refused to answer any of her questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to address a concerning issue regarding my credit file. I have noticed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Additionally, I have serious doubts about the accuracy of the debt being claimed. Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Therefore, I kindly ask that you provide me with the necessary validation and take the necessary steps to resolve this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-22
Company: EQUIFAX, INC.
State: TX
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:
Equifax has not responded to my requests to investigate 2 incorrect items from my credit report even though I have sent them certified mail and countless e-mails. I have even copied the CEO. 

I wrote them a letter for each item and inquiries on XX/XX/21, XXXX and XX/XX/21 ( see atacged files for latest letter ) I demand the incorrect items and inquires to be removed from my report and an explanation as to why they have not responded for the last 103 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: EQUIFAX, INC.
State: GA
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:
Idonotrecallgivingmyauthorizationforthiscreditpull, pleasehelp me removethis. I also know that the FCRA states that only purposes for pulling someones credit report is : firm offer of credit, insurance, court order or employment. With that being said, I am unaware of the inquiries below, I never authorized such and I ask that your agency please remove from reporting on my credit report. There are also unknown address listed on my report, please help me update it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26
Company: Conn's, Inc.
State: SC
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:
In short, this company is in violation of the law. They are reporting inaccurate late payments on my credit report from 2017. I was not late and have showed this company proof of my payments yet they still refuse to remove the late payments. Also, according to the law while an account is in dispute I, the consumer should not make any payments to the company and the company can not report my account to the credit bureaus while the account is in dispute. Once again Conns has acted as they are above the law and violated my rights as a consumer. ( Please see attached for more detail on the situation )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17
Company: Bread Financial Holdings, Inc.
State: MD
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 had several accounts with XXXX XXXX and never paid them late ever. In XX/XX/2017 my bag was stolen or removed from my lounge chair at the beach where my bank cards were located. I called my institution and requested they close the cards immediately, and they closed the account instead of just the card. I learned of the error and called XXXX immediately, and the representative said she was placing a note on all of the accounts as she could do so. However, this rep only placed a note under one account " XXXX credit card '' and not the other 6, so when payments were to be canceled or pushed to a later date until I got back home to open a new account. 

I have called several times and each time I was assured all was well. So, ten days later XXXX did a credit line reduction on all of my cards because I reported an issue. When they did this my credit score fell well below the excellent rating I'd had. With XXXX  doing such it causes the other creditors who I have cards with to receive a low score and they inadvertently closed some of my accounts. Wehn XXXX decided to do this it made me appear to have maxed out my credit limit which was never the case for me. The account where my limit was XXXX they reduced it to a XXXX as I had a balance of XXXX. Therefore, it made me appear that I was maxing out my limits which reduced my scores significantly. 

I have written to them, called, and until this day nothing has been done. They have sent one of their accounts in which I had flex pay on to collections as they reduced the limit the payments could not be withdrawn from the plan. There is and was plenty of availability for the charges to continue under this one account but they removed the details from the account and created a bigger problem. 

I need a resolution asap. I pay every bill on-time every month ....

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-17
Company: GLOBAL CLIENT SOLUTIONS, LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Me and my husband started getting help from Global client solutions back in XX/XX/2017. They told us that they would contact our creditors and no one should be calling and contacting me. Well the calls never stopped from any of my credit card companies. I contacted XXXX XXXX XXXX XXXX which is who I go through and also contacted global client solutions. They said that they had contacted them not to worry. We were told that how the program works that we would automatically draft a monthly payment and once we built up enough money in the account to pay off a debt they would contact our creditors and negotiate the price. We have been paying since XXXX and nothing has been paid and none of my creditors have been contacted. Now I tried to get out of the program but Global client solutions says I only have a balance of a little over 200.00 in my account which should be over 2000.00 which is enough to pay off a couple of our debts. Now they are saying that there were fees that we had to pay and that they are non refundable since they already did the work. They have not done any work. they have been taking our money and not paying off anything like we agreed to. Everytime I call I get placed on hold and no one ever answers. how do I get my money back? Now I have to start paying on my cards again and im so far behind because we now have the late fees and the interest since they haven't been paid in 8 months which outs us further behind. Not saying how bad it hurt our credit and we will never be able to catch back up especially if I cant get my full amount back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
The financial institution Bank Of America has repeatedly tried to charge " minimum interest fees '' om my credit accounts AFTER the balance has been paid IN FULL and is XXXX. Criminal greed which WILL NOT BE TOLERATED.

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 monetary relief
Consumer complaint received 2023-02-22
Company: DISCOVER BANK
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
In XX/XX/2022, I purchased XXXX once and cancelled after my cats refused to use this litter. A few months later, XXXX, another {$100.00} package arrived and I immediately requested to return the unopened and unsolicited box. 

XXXX 's customer service ignored my request for days and I kept texting them for a return label. Finally got the label and returned the product but XXXX failed to issue a refund. I noticed the missing refund 60 days later and contested the charge with the credit card. XXXX responded with someone else 's personal information and Discover Card refused to issue the refund due me not having a copy of the return label showing the address that XXXX returned the package. 

The tracking details were inadequate since there is no address on that receipt. XXXX is still fighting with me even though they acknowledge receiving the returned box less than a week later via text messages. 

As I did my research, I discovered that XXXX XXXX just bought XXXX - I'm guessing that the past CEO was overstating sales in order to gain a higher valuation. 

The BIG ISSUE is that Discover Card accepted the wrong information for an unknown person and decided in favor of XXXX. XXXX refuses to refund this money until I withdraw my appeal with Discover Card. Discover Card is denying that they shared the Personally Identifiable Information ( PII ) for another XXXX  customer, violating XXXX XXXX 's privacy, and likely violating my privacy by sharing my PII with another customer appealing the charges from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Experian requires information that I can not provide to complete a credit freeze. I am the consumer trying to freeze MY OWN credit and it will not let me. With the amount of information that they have on me WITHOUT MY WANTING THEM TO, I should not have trouble freezing my own credit through them. I have tried calling but they just hang up time and time again. 

This is unacceptable, and I can not do anything about it. If I could make it so they could not have any of my data I would, but I do n't have that power. I am powerless to them, and that is not how things should be.

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 2023-03-24
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
Thats are 17 hard inquiries on my credit report that I have disputed with all credit bureaus thats still are being seen on my report. I reported that these inquiries were made fraudulently.

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 2020-07-09
Company: SELECT PORTFOLIO SERVICING, INC.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I made a simple call to pay my mortage with my debit card ( from XXXX XXXX ) but they will not process it. Only want your checking acct info. In which i do not have. Just debit card ( / master card. but debit ). Moreover took several calls and long hold time to speak to a rep.. 
New company for me. They purchased my loan from chase. Not even 4 month 's into it they raised my payments up to XXXX from XXXX during the cov19 crisis. 

I asked for one month off. No help. Only told go website ( i dont have or want computer ). 
So paying it hard enuff. Now they want me have do all this extra stuff to make a simple payment wanting extra information on bank information they dont have to have. They just want it. One financial Institutuon should be able to take a debit PAYMENT from another bank or credit union. XXXX XXXX  is also mainstream. Debit cards are checking acct cards. So why is it they wont just process payment ez for simple customer. After auditing loan raising the minimum principle payment by XXXX $ a month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: MOHELA
State: MD
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:
I was recently switched to a new services and I have been calling for moths and all they tell me is the payment count will be fixed soon in 30 days well its been 6 months and no progress. I asked if they had all my information from last servicer and they said yes but no progress has been made yet XXXX getting frustrated that I XXXX not get my loans forgiven based on their lack of knowledge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Please eliminate these deceptive accounts from my credit report as I never authorized anyone to use my account. Kindly remove this incorrect account.

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 2018-08-08
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I have numerous disputes on this card, I have taken it as far as their Executive offices and had no help. Because of the number of disputes where I have been charged double for hotel stays. Once on the online booking sites and once at the hotel where I paid my bill.

I am now trying to reconcile this but it is very difficult as I have about 4 different account numbers due to them cancelling my cards numerous times. My credit score has dropped from XXXX to less than 600. I have spent hours trying to reconcile these charges and will continue until this is fixed. 

As the result of your previous investigations got me nowhere and they are saying I owe them the money. I will reconcile this account and then pay only what I owe. If Chase continue this they can take me to court. I've had ENOUGH!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: HYUNDAI CAPITAL AMERICA
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: Account information incorrect

Complaint:
Hyundai Finance incorrectly list an account with a balance of {$52000.00}. This is not my account.

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 2018-08-08
Company: EQUIFAX, INC.
State: SC
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 submitted paperwork to Equifax to have some fraudulent accounts removed from my credit report and Equifax has not done anything with it.

Company response to consumer: Closed with non-monetary relief