BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-16
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NC
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: Public record information inaccurate

Complaint:
XXXX XXXX XXXX XXXX XXXX ; located in XXXX XXXX, NC. XXXX XXXX XXXX Co Manager has filed a false judgement/lien against me and my good name at the XXXX County Clerk of Courts Office and filed a Writ of Execution from the XXXX County Sheriff 's Office ( Civil Division ) from the XXXX County Clerk of Courts Office on behalf of Co Manager XXXX XXXX XXXX of Springleaf Financial Services XXXX XXXX, NC for the amount of XXXX plus a Sheriff 's fee for the collection process, court costs and any interest due which is accruing daily. An Execution is a judgement entered against me which is recorded in the courthouse and is affecting my good credit, name, opportunities, as such time it exists. As a result any property which I own that has not been designated exempt by the courts is subject to and is sold in order to satisfy this FALSE JUDGEMENT ENTERED AGAINST ME by XXXX XXXX XXXX of Springleaf Financial Services signed by Sergeant XXXX XXXX dated XX/XX/XXXX. Springleaf isn't in business anymore due to a Federal Court Order to divest 127 Springleaf branches including North Carolina and 7 other states. Springleaf has already been cited by Consumer Financial Protection Bureau in XX/XX/XXXX by violating Federal Laws their practices hurt consumers while compensating the employees of Springleaf .. Ratios stated credit little value to the customers even while selling the credit insurance used deceptive practices and EVENTHOUGH I I canceled my XXXX Insurance XXXX XXXX XXXX in the principal balance deliberately failed to correctly deduct my portion of monies owed to Springleaf Financial Services and refused to correct my balance owed to Springleaf when bringing this to her attention on XX/XX/XXXX with the Office Manager agreeing with XXXX XXXX XXXX. I was still ordered to pay the Incorrect Principal added to my Balance then and was threatened to report that balance to credit bureau hurting my credit scores. I was called and harassed by office personnel after hours and before I paid my loan with letters too violating the collection laws of NC. The company is XXXX XXXX XXXX XXXX has reported this balance of XXXX which I deny owing then or now. XXXX XXXX XXXX and Management of Springleaf held monies owed to me and added fees to this false debt/claim and reporting the errors to The XXXX County Clerk of Courts Office as a judgement/lien and The XXXX County Sheriff 's office civil division to hurt my credit and violating my FTC Laws and Credit Reporting Act because this isn't true but false I owe Springleaf nothing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-19
Company: Experian Information Solutions Inc.
State: AR
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 pulled my credit to myself for the first time and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX {$1000.00} XXXX XXXX {$610.00} XXXX XXXX XXXX XXXX XXXX {$2400.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00}

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 2018-12-04
Company: Experian Information Solutions Inc.
State: NJ
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:
XX/XX/2018 I received several alerts with my credit monitoring saying that I applied for credit online. 

I never filled out any applications, so either it's a mistake or my identity has been compromised. 

I am waiting until the end of the year to apply for credit cards and don't want this many inquiries on my report especially when I did not authorize them. 

They need remove XXXX XXXX XX/XX/2018, XXXX XX/XX/2018, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XX/XX/2018.

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 2022-04-05
Company: Mercedes Benz Financial Services
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: Account status incorrect

Complaint:
Im having an issue where my current car lease from Mercedes Benz its showing a late payment for XXXX and payment was never late

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATION IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

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 2020-09-04
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XXXX XXXX I tried to access my USAA account via my XXXX. My account has a high amount of money. I wont say the exact amount but close to {$100000.00}. I got a message saying that, for security reasons, my account had been locked and to contact USAA to resolve the issue. At this time, I could not even see my accounts. No access whatsoever. So I called and each representative I spoke to said that no one would be able to help me until XXXX central time. They could not give me any information as to why my account was locked and when I asked them to verify that my funds were still there, they could not. I asked them if I was still able to use my debit and credit cards and they said Im not sure. So I got into my car and drove to the ATM. I tried to take out money and the ATM said insufficient funds. Of course I knew that this was not true. I had plenty of money in my account. I have now spent the entire night not knowing what happened to my account. I am in complete distress and I honestly feel sick about this situation. I do not understand how my account can be locked and theres not a single person from USAA to help me out. I received no warnings and there was no activity out of the norm that I did. This honestly feels like theft or someone holding my money hostage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19
Company: AMERICAN EXPRESS COMPANY
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/2019: ordered video stabilizer from XXXXNever received product.On XX/XX/2019: -discovered company and product was fraudulent. The website is gone. The email was returned nonexistent. The product advertising was copied from a much more expensive product from another company. Found non-english video on XXXX that seemed to indicate the product and company was fraudulent.There is no way to get a hold of the company, period.-Same day, called and notified Bluebird/American Express of the fraudulent transaction. They gave me no indication that there would be more documentation needed. Or that I would need to check my email. Therefore I expected the same form of communication...a phone call. On XX/XX/2019 TWENTY FIVE DAYS later - Bluebird sends an email requesting more information from me for the ridiculously obvious fraudulent transaction. And giving me  TEN business days to respond.And giving themselves FORTY FIVE days to respond to me. ( I do not check my email every week unless I am expecting communication.) On XX/XX/2019:Bluebird sends email notifying that dispute is refused. With no information on possible process or time limit to rectify except an address to request information.- Same day, I call Bluebird. Rep agrees that this was an obvious fraud situation and assures me that it is taken care of. My refund is forthcoming.-Same day, Bluebird sends an email to me that says they received my disputeOn XX/XX/2019:-Bluebird sends email requesting documents in .doc, .docx, .pdf, .png, .jpg, or .jpeg, which does not exist., through a cumbersome process - no way to forward an email. I only have an email from a nonexistent reply address.And gives me FIVE business days to respond and themselves FORTY-FIVE days to respond. ( I do not check my email every day.). They did not provide a way to forward the email from the company to them (the only communication I had from the merchant)On XX/XX/2019-Bluebird declines my dispute with no information on recourse.XX/XX/2019I again get the nerve and time together to contact Bluebird.After nearly an hour on the phone, they refuse to attempt to contact the merchant or provide a way for me to provide any proof. I am not happy with the entire burden of proof, with ridiculously short time limits of response, placed on me.  Any attempt by Bluebird to contact the merchant would fail. They can contact them to send them my money. But they can't contact them to see if they even exist?Thank You.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-08
Company: Navient Solutions, LLC.
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: Problem with personal statement of dispute

Complaint:
Navient is reporting to all credit reporting agencies that I was 90 days delinquent in paying my student loans in XX/XX/XXXX and XX/XX/XXXX. I reported this problem to Navient via formal letter on XX/XX/XXXX and asked that they please review this information as it was incorrect. Payment arrangements were made using the only account number ( Account XXXX ) that I have with Navient. This account number is the only account number that Navient has issued for both my Federal and Private loans. Payments in the amount of {$620.00} were agreed upon and directed debited from my account beginning XX/XX/XXXX through XX/XX/XXXX on the XXXX of each month. Navient is now stating that they only allocated funds to my private loans and my federal loans were placed in forbearance as requested by text message, however they were 90 days late before the forbearance was activated. I did respond " yes '' to text messages asking if I wanted a forbearance, however I thought that it was necessary as I had agreed on the payment plan with the Navient representative in XX/XX/XXXX. Navient responded to my written complaint stating that they performed their investigation and find that I was delinquent on both my Federal and Private loans so therefore they will not remove the delinquency from my credit report. I only have one account number and am unable to allocate how they apply the payments that I make. I asked the Navient representative several time during my conversation with him in XX/XX/XXXX that the payment arrangements he was making would cover ALL loans and he confirmed several times that he was including ALL loans. Please see the attached documentation from the Navient website that shows the allocation of payments and the single account number issued by Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I open the pre paid secured card with XXXX  XXXX for {$300.00} honor ereabouts a XXXX of XXXX then I only old {$50.00} in an emergency came up and they sent me a merge to give us I didn't make any more payments I just let the card go and so they sent me a bill for {$620.00} they would try to collect on it for the last year and a 1/2 and I told him this you guys only {$250.00} return and plus you don't have it and then LV in V is tried to do the collection now they don't even have a wet signature on file I've asked a very moving stop reporting this insane behavior when they owe me money and I'm sure this world not really doing me any good making this complaint because you guys are disappear ocracy and you really don't helps all this use and I have a but XXXX confidence but with the election results and making complaints it trying to get these guys to fix my credit and would never will work ever is gon na work is it going have to file a lawsuit and that probly wont-work either thank you for all your help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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:
My complaint is against Kohls/Cap1  account # XXXX. Since XX/XX/XXXX to XX/XX/XXXX. 2019 I XXXX  in XXXX  XXXX  due to XXXX  XXXX. There I was in a XXXX XXXX XXXX   which I had n access to internet, my phone, or any type of device that could make my payments. When I enter the XXXX XXXX XXXX I was aware about this and left my someone to make my payments, unfortunately that person had some issues trying to make the payments from XXXX, XXXX, XXXX. All 2019. That would had not happen if I would had been outside of the hospital. Please reasonable and either remove those negative marks or the entire account, for me there is no difference, I would like to continue making business with Kohls/Cap1 but if you guys rather close and delete account that is fine as long it does not affect my credit score. I have a couple of litigators that are willing to take this in contingency at a federal court, they see big chances in winning due to my XX/XX/XXXX, but I rather try to resolve this issue with Capital One and Kohls before I pull the trigger on the legal side. Thank you!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On around XX/XX/XXXX I went onto the XXXX XXXX website to apply for their platinum credit card. They were offering XXXX bonus miles if you got approved for the card and to spend {$2500.00} in 3 months. Also the annual fee would be would be wavered for the first year. I click on to apply and put in all the information. Several days later Citibank sent me a letter saying that they got my application but I needed to contact the credit agency to unlock the freeze that I had on my account. After unfreezing my account I contact Citibank and they checked out my credit and approved me for the AA platinum credit card. I received the card on XX/XX/XXXX and started using the card right away. In 2 months I spent over {$2500.00}. After 3 months around early XXXX I contacted Citibank because they did not give me the XXXX bonus miles. I talked to an agent and she told me that I had signed up for the wrong card. When I applied that was the only card on the AA site that offered the XXXX mile and still today they still have that offer. The agent said she couldn't help me if I didn't have any proof. I decided to contact Citibank again several days later and talked to another agent. He filed a complaint for me and said I would hear something in 5 to 7 business days. After not hearing from Citibank I called them again for the third time. This agent said I wasn't qualified for the card because I had cancelled an XXXX XXXX credit card in the last 5 years. I told the agent that the find print on the application said you couldn't receive the bonus miles if you had cancelled in the last 12 months. In XXXX of XXXX I had an AA card with Citibank. I contacted them and said I was going to cancel the AA card and was going to get a Costco credit card. The agent told me that Citibank had the Costco card and if I applied I wouldn't have to go through a credit report. I then told the agent to cancel my AA card and to get me the Costco card. He said it would take 5 to 6 weeks for the card to arrive at my house. On XX/XX/XXXX I received the Costco card. I hadn't used the AA card for many months so I knew in XXXX when I talked to the Citibank agent that I didn't owe any money and my account was XXXX. Why would I have spent {$2500.00} on the AA in XXXX and XXXX if I knew that Citibank wasn't going to issue me the bonus miles. Why didn't Citibank tell me that when I was approved for the card??

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 2021-01-22
Company: SYNCHRONY FINANCIAL
State: UT
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:
Synchrony Bank/TJ Maxx is reporting a 30 day late XX/XX/20 & XX/XX/20. Unfortunately due to the unforeseen events surround the Covid 19 pandemic I was financially impacted. I have been a very loyal customer and have never been late before or after. This was just something that really affected my life as I got XXXX and it took me a while to financially recover. I also found out under the CARE act and the federal mandate creditors are not allowed to file late notations on credit during this pandemic. I ask you please remove these lates from my file.

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 2020-05-19
Company: CITIBANK, N.A.
State: UT
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
In XX/XX/XXXX I applied for a Citibank high yield savings account. After waiting almost a month for them to verify my address off of a utility bill, I called and asked them to stop the application process because it seemed like a red flag that their process was taking this long. The service rep confirmed they would stop processing my application. 

In the interim I applied for, and was approved for a XXXX XXXX high yield savings account in a few days. Instead of stopping the application process as indicated, Citibank then attempted to open the savings account and withdraw from my XXXX savings account without my authorization. XXXX flagged the transaction as fraudulent, as was the case. Note that I still have the uncompleted IRS W-9 form from Citibank, which Citibank states in writing is a prerequisite for account activation for all US citizens. 

I have called Citibank 1-3 times monthly now since the unauthorized withdrawal, and have been told by customer support reps repeatedly that my account would be closed. Each time I call, the customer rep confirms my account closure requests in the call log. It is now XX/XX/XXXX, and I just received another bank statement indicating that the account is still open. I am concerned that Citibank is sabotaging my credit score with their fraudulent actions to meet a phony internal KPI.

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 2023-02-17
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
An account with XXXX XXXX XXXX XXXX was fraudulently opened with my information in XX/XX/2020 for the amount of {$15000.00}. I discovered this account my checking my credit report through Experian. Ive made attempts to resolve this issue with the credit bureaus and haven't gotten any result. This account is negatively affecting my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: EQUIFAX, INC.
State: AL
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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
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 XXXXXX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-25
Company: EQUIFAX, INC.
State: VA
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:
On XX/XX/2020 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation