BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-24
Company: EQUIFAX, INC.
State: AZ
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:
Ever since I submitted my complaint against XXXX  ( XX/XX/2020 ), they have required that I two-step verify EVERY SINGLE TIME I log in to XXXX. It is extremely annoying. I do not know what category of complaint this would fall under, but in ALL the time I've been using XXXX, this has never happened ( but immediately after lodging the complaint, it began and has not stopped -- even though I'm logging in from the same computer every single time ). I think this is backlash for my complaining. Actually, Equifax  did the same thing. As soon as I lodged my complaint ( it is in my complaints records ), problems began with logging in. It hasn't been resolved to this day. I would try to log in, and, despite the fact that the password was saved in my browser, it would claim I was putting the wrong password in, so it would warn me that I was running out of opportunities to log in and that the account would lock if I kept inputting the wrong password. The only way around this was to go through the process of making a new password -- and I've had to reset the password to the very same password it always has been many times and to this day I still have the same problems if I don't log in for a while. It takes a long time to fix the problem, and then the problem is never actually solved. It is draining. This has to be backlash from these companies against people for following the established protocols for complaining about them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I have sent Experian Four letters requesting that they remove addresses that are not mine. 

They recently removed someone else 's social security number from my credit report and need to remove the addresses that are not mine as well. 

I have a fraud alert on my file to prevent any further wrong names, addresses, and socials from being reported onto my credit report. 

I have done all I can do as a consumer to correct this problem. 

I spoke with a an agent by the name of XXXX from the Gladiator department who stated " the law says if you dispute information on your credit report you need to contact the person who is reporting it '' He then proceeded to tell me to reach out to the collection company to remove the wrong address '' Experian, please show me in the law where it states I have to call a collection company to have a wrong addresses removed from my report. 

The last time I read, I needed to call you guys to do that. 

Is this a new policy of Experian? to redirect the consumer to another company to fix an issue you are reporting? 

Are you guys refusing to remove addresses when a consumer notifies you that is not theirs because a collection agency is reporting it? 


Please answer these questions.. 
Because I have addresses listed on my report that any reasonable person can take a look and see that it's wrong. 

PLEASE CONFIRM THAT YOU REMOVED THE ADDRESSES I HAVE REQUESTED TO BE REMOVED IN THE RESILUTION.

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 2021-02-26
Company: Carter-Young, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I contacted original creditor. Account is under XXXX XXXX. Debt was re-aged. I attached a copy of receipt provided by original debtor. Debt was XX/XX/XXXX, per original creditor and I told company it was not mine. Company said it was a recent visit XXXX on phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: Square Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I received a Cash App Card in the mail on XX/XX/2021, with my name on it - I never applied for it. It says it is a Visa DebXXXXt card. I don't, and have never, used any products provided by Square , Inc. 

Looking at their website, it seems bare minimal information is needed for a person to apply for a Cash App card - name, address, DOB, and last four of SSN. That in itself seems wrong to me. 

Their Help page at XXXX XXXX XXXX XXXXs aimed at customers. It wants to redirect to their app and wants me to log in using their app. I'm not a customer though and I don't have their app ( and I don't want it ). There is no email that I could find to contact anyone. I did find a phone number XXXX XXXX XXXX on their page at https : XXXX. When I phoned the number, an automated response said to enter 1 for customers and 2 for other callers. And when I clicked on 2 it said it wasn't taking calls for 2 replies or something and ended the call. 

I found a couple news articles about Ohio scams involving people receiving unsolicited Cash App Debit cards from their company and the trouble they had. The links both said to contact Cash App at https : XXXX XXXXXXXX for fraud related issues. I did that and filled out an online form stating my issue and later received a reply from XXXX saying the following ... 

" I get how important this situation for you but unfortunately I do not have access to this type of account.You emailed the Point of sale Support Team, you can reach out to Cash App Support directly from the Cash App : From the app, tap on your profile image and scroll to the bottom of the page. 
Tap Cash Support and review answers to common questions. If youre not able to find your answer, tap Something Else. 
Select your reason > Contact Support. 

You can also contact XXXXash Support by visiting XXXX. " So they are basically " fobbing me off '' is the feeling I get. I just want to cancel this card, that was applied for fraudulently in my name, and confirm there is nothing else linking back to me in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
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: Information belongs to someone else

Complaint:
I would like to dispute some items on my credit report because I am a victim of identity theft and did not make the charges. Please blocked these items to correct my credit report. Enclosed are copies of the report of identity theft supporting my position. Please investigate this matter and block the disputed accounts as soon as possible.

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 2023-01-25
Company: DISCOVER BANK
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
Discover Card has increased my monthly payment monthly for the last several months. I have never missed a payment or been late, consistently paid over whats due, and have not used the card in months ( therefore not causing a balance increase ). They claim its due to a variable interest rate, however, I have never received notice for interest rate changes. I also never began receiving the increasing payments until I ceased using the card while only making payments to reduce the balance. 
I believe Discover Card is failing to notify of interest rates along with unfairly applying interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: JPMORGAN CHASE & CO.
State: NC
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:
This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
By obtaining my CREDIT BUREAU consumer report without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX  ) I have not initiated any transaction with this company. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with this company for review or collection. 
Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. 
By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: Merchants Credit Corporation
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The FAIR DEBT COLLECTION PRACTICES ACTS states collection of any interest or fees is a violation of section 15 U.S. Code 1692 Unfair practices unless authorized by the agreement creating the debt, or permitted by law.

Merchants Credit, a collection agency, is adding interest to this medical debt. A violation of the above US Code.

I have written two letters asking for proof of interest agreement between myself and the medical office, XXXX XXXX, and there hasn't been any reply. I have received no response. I have tried calling.

I do not owe this amount and ask for it to be corrected and interest removed. I tried contacting the office by phone to no avail.

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 2023-10-11
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-26
Company: Self Financial Inc.
State: MA
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: Their investigation did not fix an error on your report

Complaint:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-02
Company: Bread Financial Holdings, Inc.
State: AR
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:
XXXX, COMENITY, XXXX AND XXXX XXXX ILLEGALLY PULLED MY CREDIT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-19
Company: STERLING JEWELERS, 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: Old information reappears or never goes away

Complaint:
Ive paid a debt with Kay jewelers and it has yet to disappear off my credit report and its making it hard to apply for any credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24
Company: Rocket Mortgage, LLC
State: NY
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:
Two times, from XX/XX/XXXX thru XX/XX/XXXX, a hard inquiry was placed on my personal credit file. First, by XXXX on XX/XX/XXXX, initiated by XXXX XXXX. Second, by XXXX   XXXX XXXX on XX/XX/XXXX, initiated by QUICKEN LOANS. Both instances involved repeated solicitations by both XXXX XXXX & QUICKEN LOANS, offering me lower mortgage refinance rates. I never gave either of them permission to run my credit and actually had a XXXX XXXX " customer care team lead '' named XXXX XXXX, agree to remove the inquiry via XXXX on grounds that they didn't have my authorization. I have saved email correspondences with signed agreements that they NEVER honored. I have tried to follow up with XXXX XXXX   via email to XXXX XXXX twice in XXXX, XXXX, but to NO AVAIL. QUICKEN LOANS is the most disturbing because I have an existing mortgage with them and they ran my credit without my authorization after soliciting my business thru repeated cellular phone calls. I asked them what interest rate I could qualify to refinance my existing mortgage WITH THEM for and they NEVER told me they were going to run a hard inquiry on my credit. I tried MANY times in the Fall of XXXX to have them reverse the inquiry and they were EXTREMELY RUDE and UNAPOLOGETIC. That's not the way to treat someone who is an EXISTING CLIENT and has a XXXX mortgage with your company! I am currently in the process of refinancing and having another bank buy out my mortgage from them. They will NEVER see my business EVER AGAIN. I only submit this dispute with you because I have XXXX credit and their inquiries have actually damaged my credit. I hope that these two companies will come to their senses and just GIVE UP their predatory & usurious conduct. This is not what this country needs right now. We need HONEST people helping eachother, not PREYING and damaging their economic viability. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I had a Wells Fargo bank account during the timeframe listed in the settlement agreement however I have not received any communication from Wells Fargo

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 2020-11-24
Company: General Motors Financial Company, Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I contacted GM Financial 3 to 4 times letting them know that I had lost a part-time job due to COVID-19 and that I was suffering a hardship. The first reply I received was asking if I had received a stimulus check and their were not any programs to help me, then they repossessed my vehicle the night before I had to go to work, leaving me stranded. Now I've had to pay them all back monies owed plus the fees for the repo. Now I might lose my house!!!!! Thanks GM

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: FirstPoint Collection Resources
State: NC
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:
This organization is very abusive and is a compulsive liar. Firstpoint Resources or Firstpoint Collection Resources has promised to delete this item when I paid this debt in XX/XX/XXXX and they never deleted this item. They promised again in XX/XX/XXXX when I completed a complaint with the Consumer Financial Protection Bureau. They were not being truthful when they informed the Consumer Financial Protection Bureau and myself that they sent a letter for deletion to XXXX on XX/XX/XXXX. Today marks XX/XX/XXXX and this item is still showing up on my credit report hindering me from receiving the financial services that are needed for my family and I during this pandemic. This a disservice not only to myself but to my family and many of the consumers that trying to survive in this pandemic. It is imperative that we bring awareness to these organizations that lack compassion for consumers. Consumers are facing several issues trying to survive during this pandemic and this organization is doing absolutely nothing to assist these consumers or showing any form of sympathy. 

Per my previous complaint. 

I want to start off by saying I was considering looking for a mortgage. When my lender looked up my information, he thought it was odd that I opened an account in XX/XX/XXXX, but the " creditor '' reported it delinquent in XXXX of XXXX. I thought it was weird as well because how can someone open an account in XXXX but is deemed delinquent in XXXX. So, I reached out to the company and the staff was so rude. So, I ended up paying the {$220.00} and {$52.00} debt that they said I owed with the intent that they would delete the item on my report which they never did. Once I noticed almost 2 months later, I called back and they said they will not remove it but will update the status to " paid in full ''. The representative I spoke with in XXXX said it was my first offense with the company and they would delete it, but the second representative was extremely rude about it. Even when I informed her that I moved and never received any notifications or calls. I even emailed the manager that sent me a receipt and still to this day, I haven't received an answer from him. At this point I feel taken advantage of because of the rudeness and lack of compassion from " Firstpoint Resources '' or " Firstpoint Collection Resources ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: Mr. Cooper Group Inc.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I called Mr. Cooper on XX/XX/21 to obtain the amount of principal that I could pay to have the PMI removed from my mortgage. They then told me that because I was wanting to have early removal that I had two options for having PMI removed and both options required that I pay them for an appraisal! 
I then did some research and found information about the Homeowners Protection Act and your website. 
Today ( XX/XX/21 ) I called them back and after they told me - again - that I needed to pay them for an appraisal, I mentioned the Homeowners Protection Act and then the representative informed me that if I sent in a principal payment that brought me to 80 % of the loan value that the would compare to Fannie Mae and would take it off. 
As I was about to ask for the address, she hung up on me. 
I'm not sure what to do at this point, but I will be sending in the amount needed and I guess follow up with them to get PMI removed. 
Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: SUN LOAN COMPANY INC.
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I DONT HAVE A LEGAL OR ANY CONTRACT WITH 1 ) SUN LOAN CO 154 2 ) SUN LOANS 151 3 ) SUN LOAN CO I HAVE DISPUTED THESE 3 COMPANIES WITH XX/XX/XXXX XX/XX/XXXX AND XX/XX/XXXX AND THEY ALL WAYS LIE AND SAY SUN LOAN HAS VERIFIED THE DEBT IS MINES,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: EQUIFAX, 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:
There are accounts on my credit report that I did not consent to, I have mailed out dispute letters to resolve them with the credit bureuas directly however I am not getting the urgency needed to get these accounts removed. In my industry I have to ensure a positive report otherwise I could potentially face termination! I will not condone this much longer and will seek legal counsel if this matter isnt resolved within the legal time frame noted in FCRA. I do not believe things like this should even happen to people literally just trying to live a simple life and maintain a credible reputation!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: TRUIST FINANCIAL CORPORATION
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
A late fee was added when I was paying off my loan but unfortunately I wasn't informed. After leaving the bank thinking that I paid the loan off, the late fee remained and I never paid it assuming it was their error. Before I had to fix the situation, the bank placed a charge off to my credit. After complaining about it for 2 years, they are unwilling to fix it. It is now affecting my attempts of refinancing my primary home mortgage. This {$20.00} late fee is costing me tens to XXXX XXXX of dollars. I've filed a dispute with every credit union and BB & T bank.

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 2019-06-02
Company: General Motors Financial Company, Inc.
State: AR
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:
XXXX IS FALSELY REPORTING 9 HARD INQUIRIES AND WANT THEM TO DELETE TODAY, THESE ARE UNAUTHORIZED.

Company response to consumer: Closed with explanation