BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-05
Company: EQUIFAX, 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:
Equifax giving false Credit scores means they didnt exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Pursuant to 15 USC 1681 ( a ) ( 4 ) Equifax also not having permissible purpose to furnish these accounts on my credit report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX US DEPT OF ED/XXXX - XXXX Hard Inquiry XXXX XXXX XXXX XXXX  No consent to furnish is fraud. 


After furnishing accounts on my consumer report as " Verified/Validated '' Equifax failed to disclose the details of the investigation to show how said accounts where " Verified/Validated ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
Company: Experian Information Solutions Inc.
State: NM
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 and Experian are ignoring my requests to investigate, verify and remove fraudulent/unauthorized inquiries from my credit reports/files that were not initiated by 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 2020-06-05
Company: TRUIST FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
REGIONAL ACCEPTANCE CORP is on my credit report as a negative and past due debt. This was charged off and is over 10 years and they are still showing as being late 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 2018-06-07
Company: WESTERN UNION COMPANY, THE
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Last XX/XX/XXXX I send money using Western Union to my receiver which is in XXXX. It said that my receiver will receive my money on XX/XX/XXXX but it is now XX/XX/XXXX and when I tried to track my money, the service is unavailable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-19
Company: HIGHLANDS RESIDENTIAL MORTGAGE
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I got a VA loan with Highlands residential mortgage. i went through a hardship due to corona and the election. i was paying a 3.1 % interest rate. i was put on a forbearance plan for three months and told that i had 6 months. Then i was told i would be able to get a deferment towards the end of the loan. After 3 months Highlands reported me to the credit bureaus which hit my credit and sold my loan to XXXX XXXX. XXXX  XXXX  had no idea i was in forbearance plan. i can never get ahold of anyone and when i do there is a language mis communication. i can understand word they say. They finally give me a personal agent but takes days to get ahold of him. Got paperwork to sign my interest rate went up to 3.5 % my note went up from {$1200.00} a month to {$1900.00} a month! im a XXXX  dad of XXXX  young boys, a veteran, and work very hard to get the things i have. how is this legal in these times? what are my options? Its like they trying to make it to where i cant pay it!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: Jon Barry and Associates, Inc.
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Copay was paid to the hospital. In the amount of {$90.00}. Paragon Revenue Services called repeatedly wanting money. I finally paid the {$90.00} again, to Paragon Revenue Services. To stop the harassing calls. I then contacted XXXX XXXX and they told me I had a XXXX balance. And they have no record of sending anything on me to a collection agency. PRS said they were sending paper bills to an address I had not lived at in two and a half years. My information is correct with XXXX. Please make these people stop stealing money from patients. And reporting them to credit bureaus when nothing was owed to begin with.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
Company: EQUIFAX, INC.
State: TN
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 mailed in a dispute letter to all 3 credit bureaus for XXXX XXXX   XXXX to verify that the account belongs to me. They sent me a credit report with no verifying documents, just saying verified. They have yet to send in any proof that the account belongs to me, instead XXXX has made my score drop and my payment history drop. It said one late payment and now it has 8 late payments, ruining my credit and making it hard for me to get approved for things because of this account. XXXX took the late payment ( 1 ) off..made it current then changed it back to late and dropped my score 10 points..they did this twice in one day for a total of 20 points! Today I was notified that it changed to 8 missed payments! Their customer service is horrible to talk to, you can never get anywhere so that's why I went the route of contacting all 3 bureaus and they still didnt resolve the issue and instead of XXXX verifying the account all they did was add late payments and ruin my score more!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11
Company: 1st Franklin Financial Corporation
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I took out my first Loan with 1st Franklin around XX/XX/XXXX in the XXXX, GA office in an attempt to build/re-build my credit. I XXXX XXXX up front if they reported to the Major Credit Bureaus and if this would help build my credit! She advised me that they had gotten in trouble regarding the FCRA but that was almost settled and that they were supposed to be back reporting before the end of XX/XX/XXXX and that there WOULD retro back to the inception of my loan and report it accurately on my credit report! I made my payments on time or early each month until XX/XX/XXXX - when Inpaid the loan off in full!! 

I then went back in XXXX of XXXX and took out a second loan and while speaking with the SAME employee ( XXXX XXXX ), I asked her about their credit reporting and asked why it had not reflected on my report that Inpaid my last loan off in XX/XX/XXXX!? She then advised me that they had experienced a setback and ensured me that they would be reporting by XX/XX/XXXX and that ALL of my loan information would be reported at that time!! 

Skeptical but desperate to get my credit built I proceeded with the loan! Several months go by and I experience some financial hardship due to some major medical issues and almost loose my car and was forced to get behind on my loan with 1st Franklin! Several more months go by and just out of curiosity, I pull my credit report and see that not only had 1st Franklin NOT reported me paying my first loan off early or at all for that matter but they had reported the a delinquent loan for the months that I had gotten bond on payments!! I had another loan with a different company in XXXX of XXXX that I paid off at the same time I paid 1st Franklin in XX/XX/XXXX and they had reported the loan paid off in full early but first Franklin seem to PICK & CHOOSE what they want to report to the credit bureaus!!!! 

I dont know if that is legal or not but it is DEFINITELY not fair practice and I feel that if they are going to report to the credit bureaus, then they should be required to report EVERYTHING and not be able to discriminate by picking and choosing what they want to report and hurting consumers credit scores!!!!

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 2021-04-30
Company: EQUIFAX, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I tried at Equifax to improve my credit rating, but I couldn't. I send out credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
THE DISPUTED ACCOUNT LISTED HAS BEEN PAID FOR IN FULL IN A SETTLEMENT AGREEMENT BETWEEN ME AND THE COMPANY. THIS ACCOUNT IS NO LONGER LIABLE TO ME AND I AM REQUESTING REMOVAL OF THIS ACCOUNT OFF THE THREE CREDIT REPORTING. PLEASE REFER TO THE RECEIPTS

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 2017-12-09
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Hello, I have spoken with Discover Financial a handful of times since I 've been with them. Roughly about 1 year ago I called asking them to please consider lowering my interest rate since it 's so high and it was becoming financially stressful to make the payment. My request was declined, but I was informed I would be notified in the future if I would qualify for a lower interest rate. About 3-4 months after that I received a letter that I understood informed me my interest rate would change from 16.99 % to 12.99 % as they have reconsidered the request I originally made and I would just need to wait a couple billing cycles to see the changes. Of course I was very happy and I waited a couple billing cycles but I did n't see any changes. I called discover about 2-3 months after receiving the letter and was advised by a MALE that the changes were pending but I would receive a letter informing of the changes and the amount I would be refunded since my request was being backtracked to the original date i request an interest rate reduction. The MALE i spoke with made some calculations and said i would be getting a refund of {$600.00} - {$700.00} and my new rate would be the 12.99 % as the letter stated and i was very happy to hear that. I waited and waited and I did n't see any changes so I called Discover a couple weeks ago and the first FEMALE I spoke with transferred me to a supervisor. The supervisor was very polite but she had bad news. She found the letter i mentioned to her and she said the MALE agent I spoke with provided inaccurate information. She said my interest rate increased to 16.99 % and I would not be receiving a refund at all. She did help me a little by crediting some interest but there are no changes being made to my interest rate or a refund being sent which is what I was told. This is very upsetting because I called Discover and the agent read the letter with me and explained all the benefits with interest rate reduction and a refund being sent and it was all a lie.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 mailed in a dispute letter to all 3 credit bureaus for XXXX XXXX   XXXX to verify that the account belongs to me. They sent me a credit report with no verifying documents, just saying verified. They have yet to send in any proof that the account belongs to me, instead XXXX has made my score drop and my payment history drop. It said one late payment and now it has 8 late payments, ruining my credit and making it hard for me to get approved for things because of this account. XXXX took the late payment ( 1 ) off..made it current then changed it back to late and dropped my score 10 points..they did this twice in one day for a total of 20 points! Today I was notified that it changed to 8 missed payments! Their customer service is horrible to talk to, you can never get anywhere so that's why I went the route of contacting all 3 bureaus and they still didnt resolve the issue and instead of navient verifying the account all they did was add late payments and ruin my score more!

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 2019-01-23
Company: Southern Oregon Credit Service, Inc.
State: OR
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On Tuesday, XX/XX/XXXX, I received a phone call from XXXX at Southern Oregon Credit Services advising me that I was behind on my payments. She requested that I agree to monthly automatic withdrawal, which I refused to do. However, I did commit to {$100.00} payment immediately ; she took my bank routing number and account number ( as of today, XX/XX/XXXX, that transaction has not been completed ) ; the money was never taken out of my bank account. This payment on my part was done in good faith and there was no indication to think that my relationship with Southern Credit was anything other than on track for future payments. During that conversation I also agreed to an increase to {$60.00} per month payment. I was advised that this increase in monthly payment was mandatory. I have no way of knowing if this is a true and accurate statement, but I agreed to it. The next day I was notified by XXXX XXXX that Southern Credit has reported me to the credit reporting agencies. In good faith, I had agreed to an immediate payment of {$100.00} to bring my account current, as well as monthly payments of {$60.00}. The tactics used by XXXX at Southern Oregon Credit Services were deceitful in that she accepted my {$100.00} without informing me that there was a problem beyond that. It was my understanding through this conversation that my {$100.00} payment would be accepted and my {$60.00} payments would begin immediately. Now that she has added a collections report on my credit standing I am unable to move forward credit-wise for 7-10 years. I believe this was done out of spite because I wouldnt allow Southern Credit to access my bank account on a monthly basis. I made my {$100.00} payment in good faith. I do not feel that Southern Oregon Credit was being forthright in their attempts to collect this debt. I am making an effort to pay off this debt, but am requesting that the negative information on my credit report be deleted. Southern Credit also called me at my place of work stating that this was the last number they had for me ; that is not true ; they have my cell phone number as that is how we have communicated in the past. I would appreciate your assistance with this situation. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: UNITED SERVICES AUTOMOBILE 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:
I am contacting you in reference to USAA XXXX  who is the subject of this complaint. It is believed that USAA for a period of more than 5 years as a customer of its bank has engaged discriminatory business practices that involve the denial of credit when other credit cards companies have offered me unsecured lines of credits on the same day that I requested credit from the bank. I have in my possession a credit card that started out as a secured credit card valued at {$500.00} with another military bank which has grown to over {$10000.00} compared to USAA who has not approved an unsecured credit card while as a member. Even worse USAA is the only bank that charges me an annual fee for a secure credit card. The credit cards that I own that have that started as a secured card have been automatically been made unsecured by another military bank. While USAA has refused to approve any lending products as a member for over 5 years. I have asked on numerous occasions and even complained about their unfair business practices to their customer service team with no resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-10
Company: Blackhawk Network Holdings Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I purchased a XXXX XXXX Card in the amount of {$200.00} on XX/XX/XXXX I registered the aforementioned prepaid card in my name on XX/XX/XXXX by calling the number provided on the card I was informed by a customer service representative that the card was inactivated due to prior transactions attempted before the card was activated. These transactions were not authorized by the cardholder. 

The customer service representative refused to issue a new card number without a fee, despite the card number being compromised before purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: SYNCHRONY FINANCIAL
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have sent a cease and desist letter with my demands however I am still being contacted by LOWES to pay on an account that I do not owe! I sent a letter around the end of XXXX  stating to validate the debt pursuant to 15 USC 1692g. However I received no response but more statements and phone calls which are violations of consumer protection under 15 USC 1692c ( A ) when this account should be closed and settled. With Lowes not validating the debt, they now are sending me false figures and representations pursuant to 15 USC 1692f ( 1 ), 15 USC 1692e ( 2 ) A as well as violating numerous federal laws. I have provided the erroneous billing statement along with the billing errors and false misrepresentation of this alleged debt.

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 2021-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Good evening Someone use My Person Information With out my Authorization for the Amount of XXXX Which I took the Initiative to Pay. I do Have the Receipt that this fraudulent Accounts was Paid in Full. 
This Account Should not be on my credit.

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 2020-06-25
Company: REPORTS, INC.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Contacted Collections Company on XX/XX/20 after receiving letter dated XX/XX/20 that showed balance had decreased due to payments on both medical accounts. Was updated that account was being paid so no issues Next day on XX/XX/20 this company reported both below accounts to XXXX as being delinquent. 

XXXX XXXX XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX {$50.00} This damaged my credit score and I want these removed as company agreed to not report as long as payments continued.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
This is not my account, please delete : XXXX XXXX # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I got a new car in 2016. I had a 72 month note. Months later I paid a lump sum on the note because I am retiring in less than 2 years. After I paid the lump sum my date to pay off the car went from 72 months to about 24 months. I will have my car paid off in 13 months as of now. However, I missed a payment 2 months ago. I told them I was having medical issues and I will hopefully catch up on the missed month as soon as possible. I reminded them that I had paid a lump sum to cut down the time of the car loan and I did n't think I could be behind on my account. I literally took 5 years off my account so how could it be behind. I have n't missed another payment. I have now received a letter stating that adverse actions would be taken if I did n't pay the missed amount. Also, my account is now saying I am 3 payments behind when I only missed one. I am not missing another payment but this does n't sound legal. It seems the closer I get to paying off the car the more the company harasses me. The company did n't recalculate my payments after I paid most of the car off but they are threatening me for missing a payment. What do I need to do and how can they do this when the account is 4 years ahead?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: CITIBANK, N.A.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

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