BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-10
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: Account information incorrect

Complaint:
XXXX  XXXX XXXX XXXX Account number- XXXX I have sent 4 letters disputing this account due to its reporting inaccuracy over a 5 month period and have yet to get a response. The account is showing 30 days late for the month of XX/XX/XXXX with XXXX, while showing paid on time with Equifax and XXXX  for that month. Also, Equifax is reporting 30 days late XX/XX/XXXX and paid on time with XXXX  and XXXX  for that month. XXXX  is reporting 30 days late XX/XX/XXXX and paid on time with XXXX  and Equifax for that month. I have checked my records and I have never made a late payment any of these months. In addition to the inaccurate reporting, it has been over 150 days and I still have not received a proper investigation or response to my disputes. This inaccurate reporting is adversely affecting my credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25
Company: Choice Recovery, Inc.
State: MN
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have a XXXXXXXX XXXX XXXXXXXX XXXX reporting on my credit report twice and it's showing as a duplicate. This needs to be removed off all 3 credit bureaus immediately as this is affecting my credit score negatively.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
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:
XXXX  continues to do re investigations, but has not updated my credit report with proper information. They keep updating my loans as 8 late payments when in fact. All of my school loans listed should be up to date.  XXXX  and XXXX  have it listed as up to date already. If the same company is reporting the information. Then, all credit bureaus should reflect the same information. Im asking for a

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: Experian Information Solutions Inc.
State: PA
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: Problem getting your free annual credit report

Complaint:
XXXX XXXX who works for a landscaping business in XXXX, PA has a son that has a very similar social security number as mine and he has been unknowingly interfering with my ability to get a credit card because I can not get a credit report with my social security number XXXX or log onto www.ssa.gov. 

I believe that he inadvertently input my social security number as his somewhere around XXXX. 

The last known address I have for him or his son is : XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone number XXXX Please help me. 

Thank you XXXX XXXX XXXX XXXX XXXX XXXX, PA 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 non-monetary relief
Consumer complaint received 2021-07-11
Company: EQUIFAX, INC.
State: CA
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:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10
Company: SYNCHRONY FINANCIAL
State: TX
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:
All of my credit card payments post within 3-5 days with the exception of XXXX XXXX which is issued by Synchrony Bank. The payments are always due on the XXXX of the month. 

In XXXX, I mailed a check for {$29.00} on XX/XX/XXXX. I had to make a {$29.00} online payment on XX/XX/XXXX to avoid late fees, and my check did not post until XX/XX/XXXX. 

My XXXX payment of {$29.00} was mailed on XX/XX/XXXX. Once again, I had to make a {$29.00} online payment on XX/XX/XXXX to avoid late fees because my check had not posted. 

Synchrony Bank is STILL assessing the blame on the Covid-19 pandemic, which is RIDICULOUS!!!! If all of my other payments are being posted within 3-5 days, then Synchrony Bank has an internal problem that needs to be resolved.

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 2018-02-22
Company: EQUIFAX, INC.
State: TX
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:
In XX/XX/2017 I made a purchase under {$35.00} at my local XXXX. I use my XXXX XXXX XXXX card. I travel for work any only have my mobile phone. I did not return home until XXXX. First, I thought I paid the card in full. Second, my 840+ FICO took a dive. I immediately pulled a credit report and found a 30 day late score on my report. I contacted AE fraud department. They put a fraud notice then transfered me to their fraud division. The man I spoke to gave me information and I told him it was my charge. He then transfered me back to customer service and I paid the bill. I have 43 years of stellar credit with accounts going back to the mid 70 's. 
This particular account was over 10 years old with a large line of credit. All my credit cards are paid in full each month. Each person I spoke to were unwilling despite the issues of there phone system and the issue of using a cell to access their site. Note : because I am on the road I monthly check the balances of each of my credit sources. 
I appealed up their chain of command. Finally I spoke to a XXXX in XXXX XXXX who sounded XXXX bias. She was extremely curt and rude. She said she would send out a letter and again I explained that I was on the road. My credit had dropped to the 760 range.

Late XXXX I was home and read the letter. I took my information and made an appointment with the local XXXX XXXX branch manager. She listened and appealed up her change of command. She also addressed the issue with XXXX XXXX. In XXXX XXXX XXXX called my for the final time. In XXXX my credit score dropped again this time down to 721. What had changed? I paid off my car 2 years early as well as XXXX complete student loan. So I called Transunion and found out that in XXXX XXXX XXXX XXXX XXXX updatef my account reflect that I had an overlimit in my history. Once again I called XXXX XXXX and spoke to an onshore representative who then reviewed the entirety of my account. They noted that note only had I never got close to approaching that ever in the decade of having the account. Also from what they could see on the there was now no indication that the account had an over limit. I have multiple credit sources all excellent. Four decades of perfect credit, house and car loans most paid in full and use credit regularly with no issues save this one. Please help me get my good name back!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10
Company: Waypoint Resource Group, LLC
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: Investigation took more than 30 days

Complaint:
On XX/XX/2021, I filed a dispute with XXXX, XXXX, and XXXX  in regards to my credit report. It has been well over 30 days and I have not received any investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11
Company: Experian Information Solutions Inc.
State: CA
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:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

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 2018-02-22
Company: Bread Financial Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My complaint is with PayPal Credit, which opened an account in my name, some time in the mid to late part of XX/XX/XXXX, although I had never requested an account.

I pay for purchases on XXXX  by using my plain Paypal account ( which is identified by my email address ), and that Paypal account is linked directly to my XXXX credit card. I never asked for a PayPal Credit account, since my payments are made directly through my XXXX card. 
When I began getting emails and statements in the mail and continuous phone calls, I spoke to a representative there ( around XX/XX/XXXX ) told him that I never opened an account at PayPal Credit - that he should send me proof that I had requested an account ; he said he would mail me this 'proof ' but it was never sent ( because such proof does not exist ). I do not have his name. I did receive an email confirmation of my request for proof, that stated " We've received the document copy request regarding your PayPal Credit account. Once our research is complete, you'll receive an email notification. '' Now I continue to get phone calls, emails, and statements in the mail, in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX showing that I owe hundreds of dollars in late fees/interest. I want these to cease. If they could show me any legitimate proof that I opened an account, I would pay. 
According to the report in XXXX XXXX ( at XXXX XXXX   XXXX XXXX ), with a consent decree ( see XXXX XXXX XXXX  ) PayPal Credit is under orders from the U S District Court for the District of Maryland ( In re XXXX XXXX XXXX. , No. XXXX, civil action XXXX Settlement agreement ), to halt such actions ( opening false accounts ). I have heard that until the end of XX/XX/XXXX, when a customer was checking out from an XXXX  purchase to make a choice of payment method, that clicking on just PayPal got CHANGED to PayPal Credit by them, which was definitely in violation of the US District Court Settlement agreement. 
I have attached the " statements '' from PayPal Credit, which, to make matters worse, are in the name of my wife, XXXX XXXX ( who has not had an XXXX account for ten years! ). Nevertheless, the phone calls come to my cell phone, and emails come to my email address.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
In XX/XX/2017 I made a purchase under {$35.00} at my local XXXX. I use my XXXX XXXX XXXX card. I travel for work any only have my mobile phone. I did not return home until XXXX. First, I thought I paid the card in full. Second, my 840+ FICO took a dive. I immediately pulled a credit report and found a 30 day late score on my report. I contacted AE fraud department. They put a fraud notice then transfered me to their fraud division. The man I spoke to gave me information and I told him it was my charge. He then transfered me back to customer service and I paid the bill. I have 43 years of stellar credit with accounts going back to the mid 70 's. 
This particular account was over XXXX XXXX XXXX with a large line of credit. All my credit cards are paid in full each month. Each person I spoke to were unwilling despite the issues of there phone system and the issue of using a cell to access their site. Note : because I am on XXXX XXXX XXXX monthly check the balances of each of my credit sources. 
I appealed up their chain of command. Finally I spoke to a XXXX in XXXX XXXX who sounded XXXX bias. She was extremely curt and rude. She said she would send out a letter and again I explained that I was on the road. My credit had dropped to the 760 range.

Late XXXX I was home and read the letter. I took my information and made an appointment with the local XXXX XXXX branch manager. She listened and appealed up her change of command. She also addressed the issue with XXXX XXXX. In XXXX XXXX XXXX called my for the final time. In XXXX my credit score dropped again this time down to 721. What had changed? I paid off my car 2 years early as well as XXXX complete student loan. So I called Transunion and found out that in XXXX XXXX XXXX XXXX XXXX updatef my account reflect that I had an overlimit in my history. Once again I called XXXX XXXX and spoke to an onshore representative who then reviewed the entirety of my account. They noted that note only had I never got close to approaching that ever in the decade of having the account. Also from what they could see on the there was now no indication that the account had an over limit. I have multiple credit sources all excellent. Four decades of perfect credit, house and car loans most paid in full and use credit regularly with no issues save this one. Please help me get my good name back!

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 2018-11-21
Company: CNG FINANCIAL CORPORATION
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I original had a payday loan that has been paid off for 2 years. Today I looked at my checking account and they charged my account {$120.00} for a maintenance fee. I have not requested any money from this company and never received documentation that stated they would hit my checking account with some random fee. I have disputed this with their company as well as my bank. I did not authorize this transaction and made my payments on time every month and the balance was paid off 2 years ago. They have taken advantage of me as a prior customer because they still had access to my bank account. The company name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I had lost my job but have a job now. I have tried to work with One Main Financial and they are being so difficult. I need to get caught up on my payments, I need to know what my interest rate is and I need to know when this loan will mature. Nobody is able to tell me when this loan will be paid off if I keep making payment of XXXX a month which is the minimum monthly payment. They just keep telling my loan matures in 2019. What the XXXX does that even mean? Does that mean if I still owe a balance in 2019 that the loan is done being paid off and I won't have to make payment any more. I just want to know if I am behind in payments how long will it be to catch up? Once I am caught what is my interest because right now only like XXXX is going to principal. If only XXXX a month is going to principal when the XXXX will this loan be caught up, what will my interest be and when will this XXXX loan be paid off? Like I said they keep saying 2019 but won't clarify once the loan hits maturity and there is still a balance owed what happens to the amount due after maturity. I want the loan current now that I am working, I want to know why only XXXX out of the XXXX monthly payment is going to principal and I actually want to know how long it will take to get this loan payed off. No one can tell me know matter how hard I have tried to get this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XX/XX/19 received a form letter from Equifax repeating the script that i need to send in additional documents ( drivers license, social security card ) plus lots of personal identification information ( name, current and former addresses, date of birth ) to find out if i have an existing freeze on my Equifax credit account. 

I SHOULD NOT HAVE TO SEND THEM THIS INFORMATION TO FIND OUT IF I HAVE A CREDIT FREEZE IN PLACE. 

I have repeatedly tried to call them to resolve this. I have repeatedly tried to get access via online access. All attempts cause you to enter lots of information and then just end up saying they need more information and i have to mail in my personal information before they will provide any information. 

These is something very wrong in the way Equifax is operating. 

I would appreciate anything your department could do to get me through this obastacle. 
Sending my complaint to Equifax only ends up with the exact same result : a letter saying i need to send in my personal information. Information they most assuredly already have as I have had information there for decades!!!!! 

I ( and the public ) need more than a pass the buck response from your organization to get Equifax to provide the service the public needs to protect their personal information and to identify where they stand at Equifax, considering the role Equifax plays in the financial environment. Passing the buck back to the individual to mail sensitive personal information through the mail is unacceptable and improper way to serve the individual. 

I am extremely concerned that the other 2 credit bureaus have my info and i can access it. I am concerned that Equifax suddenly can't provide me with this information, especially after their identity info breach. I am concerned they say they can't identify me when i provide sufficient personal info ( online and on the phone ) and then say i have send sensitive personal info thru the mail to them. I am concerned about just why they can't identify me and just what info they may have on file that is causing this problem. i should not have to mail them personal information to resolve this!!!!! 

If your organization can't help fix this type of thing, I'd appreciate it if you would please advise who else in the government might be able to fix this mess! Equifax caused the problem in the first place and making it even more difficult to secure my information is definitely not helpful in resolve their mess! They need to be held more accountable for assisting the public, especially after the mess they have caused for us. 

Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
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: Information belongs to someone else

Complaint:
I'VE BEEN A VICTIM OF IDENTITY THEFT AND HAVING A HARD TIME CLEARING THINGS UP.

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 2020-08-19
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 went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. XXXX XXXX {$20000.00} XXXX {$4000.00} XXXX XXXX XXXX XXXX {$7300.00} XXXX XXXX {$1800.00} XXXX XXXX XXXX XXXX {$210.00} XXXX XXXX XXXXXXXX {$900.00} XXXX XXXX XXXXXXXX {$320.00} XXXX XXXX XXXX {$500.00} XXXX XXXXXXXX {$120.00} XXXX XXXX  XXXX {$460.00} XXXX XXXX XXXX {$9400.00} XXXX XXXX {$800.00} XXXX XXXXXXXX XXXX XXXXXXXX {$1100.00} XXXX  XXXX {$8200.00} XXXX XXXXXXXX {$3300.00} XXXX XXXX {$420.00} XXXX XXXX XXXX {$11000.00} XXXX XXXXXXXX {$500.00} XXXX XXXXXXXX {$900.00} XXXX XXXX {$3700.00} XXXX XXXXXXXX {$1700.00} XXXX XXXX {$8100.00}

Company response to consumer: Closed with explanation