BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-07
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have sent the credit bureau copies of my full name, address, social security number, and copies of documents for my personal information. I have requested them to remove misspelled names and numbers, addresses that are not mine, and that is not correct. I wish to get the resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
A fraudulent payday loan was made in my name. I became aware of the issue on XX/XX/2023. I received a letter from XXXX XXXX about debt collection. The company name is XXXX. I reported that this was identity theft/fraud to them as well as XXXX, equifax, and XXXX. I have put a freeze on my credit with all three reporting agencies. 
When I checked my credit report this shows as a bad debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
He considered that Santander XXXX XXXX should remove this account from my credit bureaus, because my income DOES NOT qualify for such a high monthly payment and I consider a guarantee on this business, knowing that with such a low amount of income at any time there was very high probability of not being able to pay it. I urge you to review my account and to honestly consider the removal of it, also taking into account the amount of money that was paid and the conditions and value of the returned vehicle. Thank you for your attention, I would also appreciate your cooperation, it is affecting my credit advance. THANKS IN ADVANCE. XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My business account XXXX XXXX XXXX  was closed without my knowledge or consent. It was in good standing and I did not learn that they closed the account until I was making a business deposit.

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 2019-03-05
Company: SCA Collections, Inc.
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I contacted SCA Collections concerning this debt. They sent a letter dated XX/XX/2019. They sent me copies of records from the original creditors. These records were placed in my name, unbeknownst to me, for pathology services for someone else. The address listed was the address of my ex-wife, XXXX XXXX, at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NV XXXX. The listing is in my name but I never received these services. I'm looking into this as identity theft from what I assume is my ex-wife to whose address this was listed. I do not know the health professional listed, XXXX XXXX, either. This needs to be investigated as my information was most likely used fraudulently. The total for this bill is {$110.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-17
Company: Mercedes Benz Financial Services
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
XXXX/XXXX/XXXX XXXX # XXXX I called Mercedes Benz Financial and spoke with XXXX on XXXX/XXXX/XXXX and let him know that there was an error on our account regarding a payment not showing as received. XXXX gave me the run around and denied me to speak to a XXXX when I asked. He told me he would call me back on Thurs XXXX/XXXX/XXXX which XXXX never did. I told him that was unacceptable that XXXX was in receipt of my payment and cashed the check on XXXX/XXXX/XXXX. He said that XXXX would have to locate the missing check. I offered to send him documentation proving the check had been cashed and he said that was not necessary that XXXX needed to find the check. The check is and was never missing they cashed it on XXXX/XXXX/XXXX. I called to follow up and spoke to XXXX on XXXX/XXXX/XXXX and got the same run around that it would take days to locate the missing check. XXXX called and left me a VM on XXXX so I called back and spoke to XXXX who told me that XXXX changed banks and that is the issue and it will take days to research. I do not believe this story as all three of my checks since the inception of this lease on XXXX/XXXX/XXXX have all been cashed by the same bank and I sent XXXX the cancelled checks to prove it. 

I overnighter to them a copy of the original lease signed XXXX/XXXX/XXXX XXXX payment was paid for with XXXX XXXX for XXXX/XXXX/XXXX payment. The XXXX/XXXX/XXXX payment cancelled check, XXXX payment cancelled check and XXXX payment cancelled check. The account is currently due for XXXX/XXXX/XXXX and I enclosed my new payment to them. I also included bank printouts showing all funds clearing my account for all payments. I

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my Follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-07
Company: EQUIFAX, INC.
State: VA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
To whom this concerns : This company is reporting negative misleading information to the three major credit bureaus XXXX, XXXX, XXXX. My name is XXXX XXXX XXXX. And this is a formal complaint that XXXX XXXX XXXX, XXXX are reporting inaccurate and incomplete information under a different name which is a Violations. I am very upset. And amazed that the government allows these agencies to make such obvious errors on people credit file which is damaging. However I'm willing to do whatever it takes to make sure this collection agency get held responsible for poor reporting practices. And for the record I'll restate my request. I need evidence of proof of the alleged Debt specifically the alleged contract or other instruments authenticated bearing my signature all authenticated documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Individual student loans were reported to the credit bureaus as in good standing. This provided my 28 year credit history. These were then removed and reported as one loan consolidated after I consolidated them and the 28 year history was removed which dropped my credit score due to it now only showing 7 month of credit history. These loans were supposed to stay on to show my 28 year history

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: CCS Financial Services, Inc.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently obtained a copy of my credit report ( CCS ) continues to violates my rights and my privacy asa consumer according to Fair Debt Collection Practices ACt. Also this company is in vioaltion according to 15 USC 1692. I have attached a copy of my FTC report and License.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: SYNCHRONY FINANCIAL
State: CO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had several cards with Synchrony Bank and they closed ALL my accounts with out any reason, there was no legal issue, financial issue or anything and they never provided a detailed reason as to why except that they reserve the right to close any account for any reason they deem fit but will not provide the reason. Because they closed all my account my credit has dropped significantly, my usage went up about 30 %, which now I am flagged as HIGH risk and having financial issues getting approved for any line of credit. I was never late on any of my card or account payments with them and I was paying more than the minimum on my account around {$150.00} to {$200.00} more than the minimum every month in hopes to build a good relationship with them. I am not the only one that Synchrony Bank has done this too and have messed up peoples credit, financial balance as well as lively hood. I have contacted the company several times asking what the issue was that lead to this and all I was told was the following : I was flagged as high risk, and they reserve the right to close any account without reason.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-17
Company: ENCORE CAPITAL GROUP INC.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I am filing a complainant on Midland Funding, LLC. I have sent letters to Midland Funding, LLC on XX/XX/XXXX and to the local attorney office XXXX XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX requesting debt verification on more than one occasion. They are claiming I owe {$2200.00}. Upon until  this point, they have failed to provide the correct information or documentation with my signature on it. I 'm requesting since this company have failed to provide me with the information requested, that this account be deleted and removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-01
Company: Selene Finance LP
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I lost my job and got behind on my payments. Called today ( XX/XX/2019 ) to make a payment and a half plus a little ( XXXX ). I also had XXXX in a suspense account for a total payment of 2 months plus a little. So I called to make the payment and was told they couldn't accept any payments and I asked why and was told because I was in forclosure. I said that's news to me I've not been notified and they said that's because they started the process today. I said so you started forclosure on same day I'm trying to make a payment that's convenient. So I asked what happen with the money in my suspense account and was told o we used that and applied it to your escrow account. I said it was supposed to be used towards a payment and they said they could use it however they want. I called 3 times today trying to figure this out was hung up on twice and finally got transferred to loss mitigation the third time after being told I could apply for a modification but I would most definitely be denied. Then I was transferred to loss mitigation and he told me he was mailing a packet and he didn't see a reason I would be denied This company is Selene Finance

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: U.S. BANCORP
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
On XX/XX/2020 I received mail from US bank/XXXX  with a debt card produced in my name. I did not apply or this card nor did I request any information for this service. Fraudulently this card was generated without my approval. 

Section # 2 didn't offer the option to list a debt card was generated without my approval.

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 2019-03-01
Company: Northwood Asset Management Group
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On Friday XX/XX/19 at XXXX I received a voice message from XXXX XXXX a senior representative at XXXX XXXX XXXX Caller ID showed XXXX ( XXXX IL ) but I was asked to call back XXXX Ext XXXX a New York number. I called the number back and spoke with someone ( I did not get the name ) who said they could help me. He demanded my SSN and other personal information which I am not giving out especially since they did not say they were a debt collector, or who they were or what company they were from or the nature of their business with me. He stated he will not answer any of my questions until I gave him my SSN. I told him to send me a letter to the address of record and he stated " that ship has sailed honey too late for letters '' at that point I tried to end the call and he then stated " hey just pay your bills lady ''. I ended the call. 

XXXX XXXX then used a cross reference to start calling people that I barely know and leaving lengthy messages for them. He stated ( on the voice mail ) that he has been trying to reach me for XXXX weeks ( false-I have phone records that show first call was on XX/XX/19 ), he also went on to say this is a very serious matter and he is trying to do all he can to help me with this matter but time is running out and he needs to reach me by XXXX. He ended the call by saying " If I don't hear from her by XXXX I wish her all the luck with this matter ''. What exactly does that mean, was that a threat? A similar message was left on 3 other voice mails of people I haven't talked to in years not to mention the other people in their home that heard that message. I will not have my reputation compromised by XXXX XXXX or anyone from XXXX XXXX. 

Other phone numbers used : XXXX ( XXXX XXXX, IL ) ..the phone calls are unending and frequent with spoofed ID but to always call back XXXX. These calls were robo calls. 

This company has been investigated by the XXXX and were asked to provide specific information - company responded but did not provide any of the requested information. This company was involved in a federal case where XXXX attempted to collect illegal and voided debts to coerce payments from their harrassed victims. I believe I am a victim of this scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I had taken a loan from Sallimae which later was taken over by Navient. 
I have been very good with my loan repayments. Always on time as I am on auto repayment I havent missed even 1 payment. 
While signing the loan I very clearly remember it saying that if I am good with my loan repayment I will get a loan forgiveness for my last 6 months. 
However few months ago they increased my stating the the loan doesnt add up. 
I wasnt sure and now I think I am basically paying off the last 6 months loan forgiveness loan. I am am so upset. 
I dont have the time to fight them but I think they should be punished if they stealing money from hardworking taxing paying individuals Have attached a document stating my loan amount is changed. 
I had a fixed rate of interest and didnt default but they increased my payment which I am sure is to cover the last 6 months loan forgiveness for paying on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company contacts me multiple times per day. Exceeding 8 times. I tell them and ask to stop being contacted. Yet they still contact several times per hour.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-01
Company: Ameritech Financial
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
So, I was told my loan would be taken care of by this company ameritech financial, I was paying them faithfully. They always wanted me to send them copies of things and I never understood why. This was going on for years actually I believe and then I get an email saying fraud? I need to get to the bottom of this and hopefully get my money back and figure my loans out. I paid alot for school and to have to restart will be devastating.. please help!!!!!

Company response to consumer: Untimely response
Consumer complaint received 2019-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 have tried three times to get TransUnion to verify this account the debt collector did not validate and they still tell me it's verified but show no proof. Account number 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 2023-09-25
Company: Capio Partners, LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have no knowledge of this account I was XXXX at the time Amy of thes debts where created I have no knowledge of the debt nor am I responsible

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-10
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I've disputed this account because it is incorrectly reporting on my EQUIFAX credit report. 

I've attached the screenshot of my report I paid for today XX/XX/2020. You'll see that on XXXX it is " Exceptionally payment history ''. I've never missed a payment

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17
Company: AMERICAN EXPRESS COMPANY
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/XXXX I referred a friend from my American Express gold card, there was a promotion for 3x additional points on all spend for 3 months when you refer a friend and they are approved by XX/XX/XXXX. I referred a friend and they were approved on XX/XX/XXXX. 

I have either messaged or called every day to confirm the promotion was active and nobody knows what Im talking about. It is prominently displayed on their website. 

They told me they would investigate but it would take 6-8 weeks. The promotional period would almost be over by then, so that is not acceptable.

Company response to consumer: Closed with explanation