BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-14
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: Old information reappears or never goes away

Complaint:
XXXX I want someone to explain WHY I can't log into my account, or access anything? It's giving fraud & scam. I want someone to explain why my credit score in your records is XXXX near 200 less than XXXX and other reports. I have an issue that for over 10 yrs I have had continued issues with contacting and getting a live person, and the fact that you're a credit reporting agency and my XXXX IS NOT CORRECT burns me to my soul ; flames of fire as my chest gets tight from irritation. There's absolutely NO REASON, why I should have this many issues for this many years ACCESSING MY OWN PERSONAL PRIVATE XXXX INFORMATION. I shouldn't have to harass anybody, to correct update or fix XXXX. 

I want direct contact to a manager, & corporate contact information. It's giving racial discrimination, & purposely not updating my credit report to match or reflect the truth. I like lawsuits, & have been MORE than patient.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12
Company: Genesis FS Card Services, Inc.
State: AZ
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:
Paid my Indigo credit card off in XXXX, XXXX. Called and closed the account. Received email statement in XXXX showing account paid off. Fast forward I get an email on XXXX, XXXX, XXXX for a statement. Found that Genesis Credit, owener of Indigo card never closed my account as requested over 7 months ago. Called customer service and they confirmed the account was closed even if I could still access my account via online. I asked why it was never reported closed to credit bureaus. Agent couldnt answer and put me on hold. Rep came back and said that a supervisor was going to start an investigation and I would have the results in 30 days. I told them I was NOT waiting another month! They had 30 days, 7 months ago! I told them I would report them to the FTC. Agent silenced the line. When he came back and acted like I was accidentally put on hold I repeated that I was reporting them for fraud. This account should be closed and show closed on my credit report as of XXXX, XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-07
Company: ROAD Auto Finance, LLC
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
i already filed a complaint and this company is refusing to refund me my Money for the cancellation of the XXXX insurance. ive been told several different stories.i keep getting told they are waiting for payment from the XXXX. I spoke to the XXXX company and the finance company cancelled my XXXX. all while telling me the XXXX  accepted the claim. XXXX XXXX told me that it was closed on therwe end and that there is nothing else they do, they told me the refund comes from Road Auto Finance. there is no Payment coming from the XXXX so why and i been constantly lied to and not my refund issue. its been 4 weeks since the XXXX has been cancelled.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-13
Company: SYNCHRONY FINANCIAL
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
After reviewing my current statement For XX/XX/2019 I noticed a marked increase in my monthly payment. I called the help number and after a 15 minute wait an operator with a lovely voice informed me that stock market was the reason for the raise in my rate. That was that. I requested that my rate be lowered since Charging 25 % interest on a purchase is pretty much Usury and illegal. I was assured that by the operator the rate was ok and that I could not negotiate a lower rate but that the company could definitely raise it. Surely this company ( paypal credit/synchrony ) must be stopped. I plan on closing my Paypal credit account today but someone has to make them aware of their misdeeds. The prime rate is currently only 5 %. You can not abuse your customers and stay in business.

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 2023-12-13
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

( XXXX, XXXX & XXXX / Account # XXXX ) has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting 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 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-06-06
Company: EQUIFAX, INC.
State: IL
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process so stop sending me letters saying that this is not me this is me. I sent letters to the Credit Bureaus 89 times to remove the inaccurate information that are found on my report. But still those inaccurate information are constantly reporting on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE This FOLLOWING account COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX  this collection isnt mines yall should be ashmed of yall self from destroying the character of my name now my life is ruined and im XXXX  I would like to complain about the misleading information in my credit report and I was totally surprised when I saw XXXX XXXX XXXX that has a balance of XXXX XXXX XXXX opened on XX/XX/XXXX  that is reported on my credit file. I don't have an idea why I got this account on my credit file since I'm not the one who open this account and this is not belong to me. NOT MINE! I already filed a dispute to each credit bureaus and filed an FTC affidavit please see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: Experian Information Solutions Inc.
State: GA
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 had a deferment on my auto loan from XXXX, but XXXX XXXX reported the account late for XXXX and XXXX. The XXXX payment was fixed, but the XXXX payment is still showing 30 days on all of the credit bureaus. I have filed a dispute with Experian and contacted XXXX XXXX who both have not resolved the issue. They both keep referring the call back to the other. Today, I spent over an hour on the phone with XXXX XXXX being passed around from representative to representative without any resolution and finally landed in a supervisor 's voicemail because she did not want to take my call that was transferred from her subordinate. I have attempted to redispute with Experian, but their online service is refusing to take additional information from 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 2023-04-25
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Over a month ago I submitted CFPB complaint # XXXX and the response by TransUnion was useless and a complete lie. I again attempted to log into my paid credit monitoring service with TransUnion and I was still blocked. I have since contacted TU customer service and they removed the block again -- for the fifth time -- and for now I can log in. 

However, even after logging in, TU will not provide a daily update to my credit report. Every time I attempt to update my credit report via the TransUnion Credit Monitoring portal, I click on the box stating " I agree & confirm '' to the account terms and then click on " Continue ''. A small star-shaped circle revolves and it revolves for up to XXXX an hour and my credit report is never provided. 

I pay TransUnion for this service and they defraud me by not providing the service for which I paid. 

However, if I pay them an extra approximately {$30.00} each time, they will immediately provide a 3-bureau credit report. So in order to update my TransUnion credit report every day as provided under the terms of my paid credit monitoring, I am really forced to pay TransUnion {$900.00} every month since they defraud me of the ability to refresh my TransUnion report -- per the terms of my {$14.00} paid credit monitoring service -- any other way. 

When I call TransUnion customer service, I only get their overseas representatives who struggle to properly understand rudimentary English. They have given me several excuses why I am having problems ranging from connecting via a VPN to connecting via an overseas IP address. 

Since I am currently stationed overseas, it is impossible for me to NOT connect via an overseas IP address. Failing that, I would have to use a VPN. It seems that TransUnion has thrown over XXXX US service members and their dependents stationed overseas under the bus, bit still collet {$14.00} from them for paid credit monitoring.

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 2021-06-08
Company: SN SERVICING CORPORATION
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Requested mortgage assistance or forbearance with my mortgage company several times over the years. I have been forced to file bankruptcy a lot of times to stop the foreclosure on my home. I am XXXX XXXX, I don't want to loose my home. XXXX XXXX with SN Servicing has told me a lot of times I can't keep the house because I could not afford it. I have sent financial and paper work to my mortgage company a lot of times. My interest rate is 13 % and they refuse to lower our interest rate. We have been in our home over 20 years and we are senior citizens. I have called XXXX XXXX a lot of times recently and after I send my documents, she will not return a call for weeks at a time. She is rude and mean. There is all sort of assistance I have read for people that need to keep theirs homes from foreclosure When I Call SN Servicing if I cant speak with XXXX XXXX I am told by who answer the phone can't any one else speak with me, this happened a lot Please Help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: EQUIFAX, 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 called your department after I purchased a credit report with XXXX dated XXXX. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that there were CHARGE OFFS account on my credit report. This is disappointing because I have been paying XXXX  to get a report every month and I have been disputing fraud account on my credit report all this time just today I have a charge off that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX ). I have never with this account listed below, so please help me remove these charge off, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. XXXXXXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: NAVY FEDERAL CREDIT UNION
State: SC
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:
This is a fraudulent account opened by an employee of my business, XXXX XXXX XXXX This has been reported to local law enforcement, SC District Attorney ( XXXX SC ), and in turn has been handed over to sled and local FBI field office investigated by Agent XXXX XXXX. Navy sent me a card that I DID not apply for and charged continued on this card until I discovered just how bad the problem was. The same person XXXX XXXX we have found has also gotten multiple fraudulent loans through the same lending institution without the knowledge of the customers. We know this is because the customers lawyers have contacted me for information in my situation and they are looking for file suit against NAVY federal and XXXX XXXX because his client has two loans for one car that he does not have. This company is doing VERY SHADY business. They can't provide me with a contract, agreement signature or anything. 
Furthermore, across each bureau the information is not even consistent. There is conflicting account numbers, totals, and payment frequencies. 

I have paid this company more money ONLY because I was not able to refinance my home and pay off legitimate dates this hardship has created. 

I have sent the report to NAVY sent it to the bureaus and still cant get any help. I almost lost my job and security clearance because of this issue.

I'm saying NAVY FEDERAL because its there institution but for the most part I know its not the company as a whole but there is a LOT of bad apples in that bunch. I also have documentation from several lawyers proving what I am saying in addition my police report I submitted when it happened.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03
Company: FIRST NATIONAL BANK OF OMAHA
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have change the auto pay account twice when I change banks, they still have the old account they kept making payments from the old account, and since the account is closed there is no reason to check statements other than to make sure payments are being made of course I didnt see this till month later I am over this bank and theyre sloppy practices

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 2023-12-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit 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:
I XXXX XXXX XXXX always paid on time and had a XXXX balance with capital one XXXX 
I got XXXX XXXX  on XX/XX/ and at that time my wallet went missing plus tablet. I called Capital One and all my other accounts from XXXX phone that's recorded and informed them including capital one that my identity was stolen and all my accounts were being used. Capital One told me they would investigate the issue. I even made a small payment bc my credit report is valuable to me. So I can prove I was detained/incarcerated while these unauthorized charges were made but capital one and every other credit company still reported delinquent payments and closed my account/ accounts. Capital One is slandering my credit report and credit score which is against the Fair credit reporting act. I filed a dispute with XXXX and in less then 48 hours their investigation was done and kept reporting that my capital one account was delinquent which is false. I always paid on time and had a XXXX balance and that the truth is what should be reported to all 3 credit bureaus and if it's not fixed as soon as possible I will be filing a lawsuit

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-26
Company: Bread Financial Holdings, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/2020 I made a complaint XXXX to verify that the report of {$490.00} is valid and owed to Bureaus. The company responded by sending statements to prove validity. I request that the company review the attached letter and state their validity to collect this debt using the federal regulated laws to prove ownership.The Bureaus can not prove ownership of an account by submitting itemized bills. I must have written verification of whom verified the account and a contract bearing my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-13
Company: Experian Information Solutions Inc.
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:
On XX/XX/XXXX I went onto XXXX  XXXX online to check my score through there XXXX XXXX there were Credit inquiries on my report that I don't recognize because I never authorized any of them or signed anything giving anyone any right to run my credit on the following hard pulls I am being accused of. 

XX/XX/XXXX XXXX through experian XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX all on Experian

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 2021-10-29
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company response to consumer: Closed with explanation