BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-18
Company: EQUIFAX, INC.
State: FL
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:
Every year the same thing happens with Equifax ( also with XXXX, not with XXXX  ). Today it was Equifax ( I ask one of the bureaus every 4 months ). They ask me 4 questions with multiple choices which are supposed to verify my identity. Out of the 4, 2 have no answer but " None of the above '', they refer to companies or credit transactions I know nothing about ; which means I flunk the test to prove that I am me, and Equifax refuses to provide online access to my credit report as it has been mandated by law. 
Instead, they suggest a long list of paperwork that I need to send to get a free credit report. Obviously, I can also pay for one, and then, I am sure, there will be no fake questions to prove that I am me : a credit card will be sufficient. 
This time, I copied the screen contents, and my responses. I also have the scan of last year 's credit report, which I got by mail after filing a complaint like this one. 
I am hereby enclosing both, the screenshots showing the spurious questions with my responses, as well as last year 's credit report. I challenge Equifax to tell me which of the reported credit transactions they were referring to in questions 1 and 3. Nothing in the XXXX report mentions anything vaguely resembling anything in these questions, which refer to transactions in XXXX and XXXX. In XXXX I did cancel a mortgage with XXXX, and that is listed in page 20 of 30 as XXXX, of XXXX VA, not as any of ; XXXX BANK XXXX XXXX BANK XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF THE ABOVE Question 1, about a merchant 's card from XXXX, also has no reference in any of the contents of the credit report issued by Equifax in XXXX. 

The only conclusion on this is that they make these questions impossible to answer, or downright fake, just to avoid giving me access to my own credit report, as I am entitled by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
This is about the three major credit agencies and the errors I can not get fixed. 

On XX/XX/XXXX I closed my XXXX cell phone account after repeated and egregious fraudulent charges went unaddressed. I opened an account with another service. My bill was paid. Their bills continued to accrue even though I not only no longer had service with them, AND had been billed for and paid charges for months in advance, AND confirmed that I owed nothing online with a chat rep and downloaded a document which Ill include, yet they continue to report a delinquent account on all three credit bureaus : XXXX, TransUnion and XXXX. 

Ive tried correcting this with those agencies but they either have online forms that are hosted on sites that break down, or they seem to do nothing. 

In addition, all three agencies are listing hard inquiries, some twice, on the same dates XX/XX/XXXX and XX/XX/XXXX when I applied for a car loan online and then with XXXX not knowing single applications would go to multiple banks : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX and again XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX Among others. 

Also, they all list me as having no credit history yet I paid XXXX XXXX XXXX  for three years on time. When they sold it to XXXX XXXX they also list me as current. 

Addresses are wrong, places Ive never heard of are listed as former homes.

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 2021-07-20
Company: SYNCHRONY FINANCIAL
State: SC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
XX/XX/XXXX I contacted Synchrony bank in reference to a charge of XXXX on my lowes bill. I found the charge was for a my card security program that I did not enroll in. It was for XXXX of unemployment type of coverage. I explained I had not elected to receive this protection and did not want this protection and informed them that my husband was and is XXXX. If I knew I had the program it would make sense I would have used it. I called back on XX/XX/XXXX after I returned from vacation and called and talked to XXXX and explained the situation again. We discussed that since XX/XX/XXXX I have been enrolled in this program without my knowledge. They are saying that I signed up by checking a box and I am saying that someone would have checked that box for me because this is not something I would have elected to sign up for. In any case, I requested these fees be reimbursed. After being placed on hold for a few minutes XXXX returned and stated I was being given a " courtesy '' reimbursement of {$1.00}, XXXX. Which I disagree with and request the entire {$3100.00} be reimbursed. I did not ask for nor authorize these charges and want them reversed. This is a scam and would have gone on if I hadn't noticed the charge.

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 monetary relief
Consumer complaint received 2018-09-11
Company: Fidelity National Information Services, Inc. (FNIS)
State: MD
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:
To whom it may concern : This is a formal notice of dispute regarding information that XXXX XXXXXXXX XXXX sent to Chexsystems and XXXX, a consumer reporting agency. 

The following false information was sent to Chexsystems and XXXX : Contribution Reason : Transacting ( or attempting to transact ) with an account in an unauthorized or prohibited manner. 
This information was disputed with Chexsystems and XXXX on XX/XX/2017 ; however, XXXX XXXX  XXXX verified the information as accurate. This falsely reported information damages my financial reputation and should be removed immediately. 

XXXX XXXXXXXX XXXX reported suspected fraud when in fact, no fraud took place. There was no illegal activity on the account. 

XXXX XXXX XXXX did not experience any financial loss and no money is owed on this account. There was no violation of the account agreement that governed the account. 

Under my rights under the Fair and Accurate Credit Transactions Act, I am asking for an investigation of this reported information, and removal of the false information reported to Chexsystems and XXXX XXXX Consumer Serivces. 



Sincerely, 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 2021-06-09
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: Personal information incorrect

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
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: Personal information incorrect

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19
Company: AMERICAN EXPRESS COMPANY
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
My Bluebird American Express account has been hacked and {$450.00} was stolen from me in an unauthorized money transfer. 
On XX/XX/18 at XXXX I received my paycheck via direct deposit on my Bluebrd American Express card. 
At XXXX XXXX XXXX requested {$450.00} from me. The email stated that I log into my Bluebird account to respond to this request. 
At XXXX ( less than a minute later ) a second email came, confirming that I sent {$450.00} to XXXX XXXX abd that the funds have been deducted from my account. 
I work for the XXXX XXXX XXXX at the XXXX XXXX XXXX XXXX. At the time of the deposit and subsequent transactions, I was with a client in my office and knew nothing of the deposit or transfer, until my money was already gone. 
I immediately called Bluebird, to file a fraud charge. At XXXX after getting off the phone with the representative and updating my password and ordering a new card, I received an email, confirming the changes. 
On XX/XX/18 my dispute was denied. Stating no error occured and the transaction in question was authorized. Therefore my account is not eligible for the {$450.00} to be credited back to my account. 
I then immediately on receipt of that email, again called Bluebird American Express and filed another fraud dispute AND then went to the XXXX County TN Sheriff 's Department and filed a police report. 
I want to state for the record, that I DO NOT know XXXX XXXX AND that I did not authorize this transaction. The {$450.00} was my entire paycheck and it was my mortgage payment. 
On XX/XX/18 at XXXX, my dispute was again denied with the same reply, that no error occured and that the trasaction was authorized. I called Bluebird American Express to question this decision, telling them that my account had been hacked and the investigations team, should have been able to access IP addresses from MY Bluebird online  activity and the money transfer request and approval and verify that it was NOT my IP address that approved the transaction. 
Then on XX/XX/18 at XXXX my account was suspended, stating that due to a violation my account has been locked and my account privileges have been suspended. 
I have enclosed ALL emails received from Bluebird American Express along with the police report from the XXXX County Sheriff 's Department. 
Having {$450.00} stolen from me, has not only put me behind in my bills, it has caused me tremendous stress and undue emotional pain & suffering. 
Thank you for any and all help in this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-18
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Experian continues to report that two accounts with XXXX XXXX are past due and that one is in collections. I disputed this and within seconds of disputing the accounts, Experian responded saying that the account was reporting accurately. Both XXXX XXXX reporting on my credit report is incorrectly reporting and Experian will not allow me the opportunity to dispute this. I do not believe that Experian ever investigated this situation. I contacted XXXX XXXX who shared that they haven't received anything electronically indicating that I was disputing this.

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 2018-11-19
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX
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 purchased a car because my XXXX XXXX engine blew up and the man who helped me finance the car wanted to be off the loan. I had finally got my credit score up since I am a survivor of XXXX and XXXX XXXX and was unable to finance previously. I let the dealership understand my position regarding this. It was very important to me to rebuild my credit and to make payments on time. 

The Dealership told me the wrong information regarding when payments were due. I have gone to Toyota Finacial and they said they can do nothing that I will have to go to the dealership and work it out with them. I have gone to XXXX of XXXX, TX and tried to get assistance regarding this issue. Prior to payments being made I went to the dealership to find out when they were due. Nothing was given to me other than a .com for Toyota Financial. Nothing more, no papers of when payment was due and where to make the payments. I have called the dealership repeatedly and left messages for the director of Finance to please contact me back and fix this. I have gone to the dealership where I waited for 1.5 hours to speak to someone only to be sent home. This problem is not getting fixed.

Tomorrow I plan on going to the dealership to please get assistance to fix this problem. Because of their error it has affected my credit score dropping 122 points. I AM A SURVIVOR OF XXXX AND XXXX XXXX I am trying to rebuild my life and my credit this has not helped. 

The reason why I agreed to this loan was because after 6 payments on time I would be able to go back to the dealership and my payments would go from {$350.00} to {$150.00} and the most of that payment will go to paying off the car.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31
Company: Delbert Services
State: IN
Product: Payday loan
Issue: Can't contact lender

Complaint:
I received a call form XXXX County of Government XXXX on XX/XX/XXXX. The caller asked that I call XXXX for more information on the case. I called the number, which turned out to be a debt collector working on behalf of Western Sky. The representative said I bounced a check in XX/XX/XXXX and wanted to know if I wanted to settle the matter now. I thought it was strange because I commisssioned a debt consolidation company to pay off all of my debts and this one was not included. The gentleman asked my name and proceeded to state my last XXXX of my SSN. When he stated the address, the address mentioned was n't my address. I stopped him and ask for documentation of proof, since the information he was giving was incorrect. He began to raise his voice, so I hung up the phone. The representative in turn, call my phone at least 4 times leaving harrassing message calling me a scum and telling me I had no intentions of paying the debt, I waited and then call him letting him know what ( this scum ) would do. I do n't know who this person is/was and I really do n't want to know. But his behavior and the threatening manner in which he spoke to me was/is unacceptable.

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 2020-12-16
Company: U.S. BANCORP
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
US Bank repeatedly mails me statements that do not reflect my payments, which are always sent in on-time. They threaten late fees when it is apparent that they simply jump the gun and prematurely send out statements with a double balance. My monthly amount due is {$1400.00}, but more than once, US Bank has sent me a statement for {$2900.00} because they are too incompetent to wait 2 days for a payment to arrive before they generate another statement. The new statement then threatens late fees for not paying on time, when I always pay on time AND I overpay my principal. This results in me having to take time out of my day to deal with their frustrating automated telephone menus and long hold times to get a new, accurate statement generated and verify that these crooks actually properly processed the payment I sent on-time.

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 2018-06-18
Company: Advance America, Cash Advance Centers, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
RE : Revocation of authorization for debits To Whom It May Concern : Please stop taking automatic payments from my bank account for payments to my account with your company. My account number with your company is has been compromised due to fraud. I am writing to inform you that I am revoking authorization for you to debit my account via electronic funds transfer : Send a mailing address so payments can be mailed. _ This revocation applies to any and all future debits. 


Sincerely, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have repeatedly tried to login to my account online, but the site claims that I have no record of a Navient Loan, formerly Sallie Mae. I have been offered a variety of repayment options, none of which I can particularly afford. I have also agreed to some of those terms, and the payments were rarely allocated to my account. I am not really sure how to pay when the customer service agents don't call back or accept my payments when I call in. Overall I am not really sure how to resolve my balance which is 110 % more than what I borrowed. Don't get me wrong, I am absolutely willing to pay, and attempting to pay, but there doesn't seem to be a clear way to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

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 2018-09-11
Company: BARCLAYS BANK DELAWARE
State: MD
Product: Credit card or prepaid 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:
Back on XX/XX/2017, a charge in the amount of {$1100.00} was charged by me to my Barclay 's hit my credit card account. I had returned the shoes back to NM and afrer 2 weeks, I reached out to them. They lied they never received shoes even though I used tracking they provided. Upon tracking, I saw they did receive shoes and reached out to Barclays to file claim. every month, I was faxing paperwork Barclays requested back and forth for almost 2 months. They reached out to NM and advised me they needed further info. Proof of tracking which I sent to them in XXXX. I never heard back and called in XXXX and was told they were still investigating. I called in XXXX and was told same. I called in XXXX and rep apologized profusely, appeared my case was forgotten about and deadline was done. No one had reached out to me or sent me a letter. He apologized and advised he would have a supervisor call me in 2 business days. Imagine my hock when Barclays sent me a letter that they are refusing my  claim because I never listed that NM sent me wrong shoes. We had went over this numerous times. I advised the first rep I spoke to of this instance. They forgot to follow up on my case, ran out of time and want me to bear the loss which is a shame.

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 2020-07-07
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: Was not notified of investigation status or results

Complaint:
I submitted two written request for incorrect reported items on my credit report with Equifax and XXXX. I take my credit very seriously and I submitted a second written request to Equifax XX/XX/2020 requesting the removal of all negatively reported items such as XXXX XXXX XXXX in the amount of {$580.00} and XXXX in the amount of {$2100.00}. I also submitted a written request to XXXX requesting the removal of XXXX XXXX XXXX XXXX in the amount of {$6300.00} as well as multiple incorrect addresses listed under my credit profile for both XXXX and Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: ENCORE CAPITAL GROUP 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: Investigation took more than 30 days

Complaint:
I have no clue about whose account this is! I am clearly sure that I do not own this specific record! I've requested that the leasers send me signed reports that prove I really own this erroneous account but as of now I still havent received any reply.

Company response to consumer: Closed with explanation