BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-26
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Pursuant to 15 U.S code 1681b ( a ) ( 2 ) I am aware that a consumer reporting agency needs the written instructions of I, the consumer, to furnish a consumer report. Without written instruction this consumer reporting agency has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumer report. Please provide the written instructions that I, the consumer, gave to Equifax which has authorized the furnished information. If you can not provide me with these instructions written, this has been a fraudulently made consumer report using my identifying information. 1. Addresses : XXXX XXXX XXXX XXXX XXXX VA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX, XXXX XXXX XXXX XXXX XXXX Ca XXXX 2. Phone number : XXXX XXXX. XXXX. XXXX XXXX XXXX  4. XXXX XXXX 5. XXXX XXXX XXXX XXXX XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX XXXX XXXX 8. XXXX XXXX XXXX 9. XXXX XXXX 10. XXXX XXXX 11. XXXX XXXX 12. XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28
Company: Media Collections, Inc
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Continued calls from this company to me for a debt that does not belong to me. They continue to contact other people in the company I work for causing damage to my reputation and causing personal embarrassment. They have been told numerous times I am not responsible for this debt and the person they are looking for is not employed by the company I work for.

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 2017-01-24
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
In XXXX XXXX, we were shocked to hear that our car insurance premiums were being increased because of our credit score. Putting aside the ludicrous fact that a credit score could impact car insurance ; we immediately reviewed our credit report. Amidst our 40 plus years of stellar credit involving mortgages, home equity and auto loans, credit cards - all paid perfectly, we found a past due owed XXXX. The original invoice clearly showed correct shipping, billing address, and phone number. XXXX also had our correct email that they used for daily marketing. Despite this, we never received notification of amount due. We immediately contacted XXXX and paid for our items in full ( {$100.00} ). We declined to pay any late fees - again refering to our order which clearly shows all of our correct information. XXXX billing department stated that they were totally separate from the order department - they were sending the bills to an address several years old. In XXXX, XXXX we received a " Notice of Collection and Special Offer '' from XXXX. We supplied all documentation - again, disputing the idea that we owed any late fees. Our credit score has been severely impacted - a charge off for {$380.00} in late fees still remains listed on our credit reports. This is the only blot in decades of credit history including mortgages, home equity and auto loans, credit cards. We have spent many hours sending documentation to the XXXX credit bureaus ... the only evidence of this effort is the comment " Completed investigation of FCRA dispute consumer disagrees. '' Before this episode, our credit score was XXXX ... it has been reduced to XXXX. We have a paid off mortgage, no car loan, XXXX credit card paid monthly, healthy savings and investments, and solid history of paying all bills in a timely manner.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-08
Company: Navient Solutions, LLC.
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Navient servicing failure and repeated errors in processing and misapplying payments month after month has caused unjust interest accrual. This resulted in increased length and amount of total loan repayment. This process was never clearly disclosed as part of their payment allocation methodology used by Navient. 

Navient never provided adequate information of repayment options and required repayment to start from the initial date of the loan, resulting in uninformed and rushed choice in repayment method. This led to increased interest required for total repayment. 

The Predatory mismanagement of payments has led to an unachievable repayment plan. 

From XX/XX/XXXX through XX/XX/XXXX, Navient refused to apply or inform of the lack of payments to the principal amount of the loan. Only servicing the Interest and fees with 100 % of the monthly payments ; which were being made in good faith. This has led to the continually cycle of non-dimensioning interest that would reapply per fiscal year. Making loan repayment unachievable as the principal never was reducing which allowed the interest to never reduce per annual amount. 

SinceXX/XX/XXXX, Navient has serviced the minimal percentage of principal per each monthly payment in attempts to continue accruing maximum interest to be repaid. 

This is clearly predatory and done against good faith, stewardship, and customer 's best interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am a victim of identity theft. I have attached documentation. Several years ago my bank, XXXX, had a data breach. My sensitive information including name, social security number, date of birth and address were sent to over XXXX people. Several accounts were open in my name without my knowledge or consent. Later, Experian had another leak related to a XXXX account which gave away my information again. I have attached documentation. Several accounts were opened in my name as well as several inquiries. I disputed the following inquiries and the company responded saying that inquiries had to be addressed directly with the creditor. I mailed each creditor and did not receive a response. I found incorrect information on my credit file and I disputed this directly with the creditor and the credit reporting agency and no investigation was ever made. I followed the rules under the Fair Credit Reporting Act and this agency has not honored my right to dispute the following inquires : XXXX XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015

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 2017-07-06
Company: U.S. BANCORP
State: TN
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 recently received a response  from U S Bank mortgage. I would like for them to provide me with the interest statements reported to IRS from  XX/XX/XXXX - XX/XX/XXXX . I 've pulled all of my tax transcripts. I never received them to file returns. I am trying to take care of IRS. U S Bank Mortgage was added to the bankruptcy court on  XX/XX/XXXX  when  I filed. I filed bankruptcy due to the fraud acts. I needed the courts to sort everything out. I need all of my interest statements on the property at  XXXX   XXXX   XXXX   XXXX . I 've pulled all of my transcripts from   XX/XX/XXXX - XX/XX/XXXX  wit h IRS. A series of payments was made to US Bank Mortgage, different account numbers. The payments was made by  XXXX    XXXX   XXXX   &  XXXX   XXXX . {$100000.00} was sent to US Bank Mortgage o n  XX/XX/XXXX  fr om  XXXX   XXXX . My account was used I had with  XXXX   XXXX , via  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 2017-10-08
Company: SYNCHRONY FINANCIAL
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have several open/active credit accounts with Synchrony Bank and they are paid on time with no account behind or delinquent. I continue to receive phone calls from Synchrony Bank from their collection department despite this. I received a call on XX/XX/XXXX before XXXX which woke me and I was sick that day. Then, I received a phone call on XX/XX/XXXX which was a Sunday afternoon. Each time I was not able to answer when they called, so I called back and it was the collection department. When I inquired as to why they phoned me, they checked my accounts and could not provide an explanation because all of my accounts are in good standing. On XX/XX/XXXX, I spoke to a supervisor ( XXXX -- Collections Account Mgr ) to file a complaint and let them know this is harassment. She assured me that it would not happen again and now it has again in XXXX. 

After theXX/XX/XXXXcall, I noticed that I also had to put my telephone number back into all of my accounts when I went online to pay. This is harassment pure and simple and against the law. 

Please note : InXX/XX/XXXX I had to file XXXX XXXX Bankruptcy. I had several accounts with Synchrony Bank that were involved in this bankruptcy and they can not collect that debt. The new accounts I have are for the purpose of rebuilding my credit. On XX/XX/XXXX, I was informed that maybe I am a secondary on an account or someone used my social security number to open an account. I informed them that they should be able to see if something like this is the case and should transfer me to the fraud department. They are calling with no explanation and engaging in unfair debt collection practices for a debt not owed. 

The number the calls are coming from is XXXX and it is the Collections department.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-08
Company: IMPAC MORTGAGE HOLDINGS, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Cash Call Mortgage has consistently mishandled my monthly payments and not properly booked payments that I have made towards principal. As a result, my interest expense has been too high and my principal balance is too high.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
( CAPITAL ONE AUTO FINANCE ) at ( XXXX XXXX XXXX XXXX, TX XXXX ) has been sending me collection notices in the amount of ( {$49000.00} ). The collection has been reported as passed due balance. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-08
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had a credit card with chase bank for around six months, just recently I opened another card with the bank. on XXXX XXXX 2017 I received a letter stating my accounts have been closed for 1. " not enough credit information on file '' 2. " the accounts on your credit report have not been open long enough '' 3. "  account not used as intended '' this causing me to lose points earned and create a horrible dent in my credit report to show a card closed by issuer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: Sensible Auto Lending, LLC
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My interest rate is 23 % my total loan is XXXX $ my 1st month payment was XXXX $ but for some reason im being told XXXX $ is going to my principal balance!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08
Company: CITIBANK, N.A.
State: MI
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
XXXX Best Buy : XXXX, MI I was purchasing computer products at Best Buy in XXXX, MI and when I went to complete my transaction and pay for the products the salesperson that was assisting me asked me if I would like a {$150.00} gift card or 6 months free financing? 
I stated that I would like the {$150.00} gift card and did not need financing. 
The salesperson retrieved my information from their records and both my last name and address needed to be corrected/changed. 
The salesperson needed to make a phone call to make the changes of my last name and my address. I believe I had to sign an electronic signature to change my name and input my SSN ( as I understood from the salesperson to make these changes ). 
I then spoke to someone from Best Buy on the phone to confirm these changes. At that point she asked me for my annual or household income ( at the time I believed this was for marketing purposes ). Then I asked the person on the phone from Best Buy who I believed to be changing my name and address if she was " pulling '' my credit bureau? She acted surprised by question and said " well, yes! ". 
I proceeded to ask the salesperson why would Best Buy would be " pulling '' my credit bureau? 
I 'm not certain the exact response from the salesperson other than something like ... '' that I would be able to use this card for future purchase, get my {$150.00}, and get future discounts etc.. 

I shared with the salesperson that I did not need or want a credit card and that he never asked me if I wanted a Best Buy credit card or told me that Best Buy would be retrieving my credit bureau. I felt very concerned about the safety of the information I had already provided Best Buy under the pretense of changing my last name and changing my address information. 

I believe this sales technique of offering a " gift card '' and then retrieving a consumer 's credit bureau without their knowledge ( and in my option, without my authorization or signature to do so ) and setting consumer up with a Best Buy credit card is very deceiving and unfair to consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-08
Company: Phoenix Financial Services LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
*I have reviewed my Credit report and found several account unrecognized items from your office PHOENIX FINANCIAL SERVIC # XXXX. I do n't remember doing any business or having having a contract for services. Please forward me proof of contract or my signature etc ... I can not seem to locate any files or paperwork that show PHOENIX FINANCIAL SERVICES is in compliance as far as HIPPA laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I disputed the XXXX XXXX Mortgage because I do not have a mortgage and have already had it removed from my credit report XXXX. They investigated and updated my credit report. I also do not have an account with XXXX XXXX and disputed it to have it removed from my credit report. Once again XXXX investigated and it was removed from my credit report. I do not understand why there are XXXX credit reporting bureaus anyway. They never have the same information on a person anyway. I think if there are going to be XXXX ( XXXX Equifax ) then they all need to have the same information on a person. That way when a potential creditor pulls a report from whoever they normally pull from, it will have accurate information because all three bureaus have the same information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-28
Company: CITIBANK, N.A.
State: IL
Product: Credit card
Issue: Transaction issue

Complaint:
For the XXXX time, I have scheduled credit card payments for a Citibank Credit card and XXXX the institution have failed to process the payments resulting in over the limit fees, late payment fees and now they are charging me an arm and leg to bring the card back to within balance. I had paid this credit card religiously over the years and now all of the sudden they are treating me like a criminal and it 's affecting my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: Experian Information Solutions Inc.
State: TN
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:
fraudulent accounts and inquiries were attributed to my credit file that I have No knowledge of, nor have I benefited from

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 2022-01-26
Company: Block, Inc.
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
I took a short term loan from the cashapp XXXX for {$220.00}. Today I tried to revoked my consent for automatic loan repayment and they said it was irreversible and refused. XXXX is wormed by square inc . 

Here is their contact info XXXX ( XXXX ) XXXX. 

Cash App XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30
Company: Southwest Credit Systems, L.P.
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX XXXX, I moved out of the apartment I was sharing with XXXX others and, among other things, ended my XXXX service at that address. XXXX picked up the equipment and the final bill that I knew of was paid. I have had XXXX services at multiple addresses in multiple cities since then. When I moved to XXXX XXXX, I was told I could not get an account because I had never returned my equipment from that first account. When I disputed that with the representative, he said he would look into it, and shortly thereafter I was offered a contract to get service, and I opened a new XXXX account in XXXX of XXXX. I have had XXXX service continually since then, have paid my bills on time, and have never had any issues mentioned to me by the company. On XXXX XXXX, XXXX, I received an alert that there was a new open collections account on my credit report. I went to check and found, after much investigation on my own part, that Southwest Credit Systems had placed a derogatory mark on my credit score for a {$65.00} debt to XXXX which XXXX was alleging I owed from XXXX. I have had the same name, phone number, and social security number affiliated with all of my accounts with XXXX, so they have no excuse for this absurd behavior. They have never once contacted me, sent me a letter, billed me, or otherwise attempted to hold me responsible for this amount. Southwest Credit Systems never sent me a letter regarding my debt before placing this on my credit report, and has made no contact with me whatsoever at this point, rapidly approaching their 30 day deadline. I am sending them a demand letter for verification and other information pursuant to the relevant federal laws. I do not believe I owe XXXX this money, and dispute the validity of any debts to XXXX and any collection agency regarding this amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: EQUIFAX, 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:
I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
There has been a bankruptcy on my credit report since XXXX XXXX, XXXX. The bankruptcy was dismissed. It was dismissed! I never went to court. None of my debts were XXXX because the bankruptcy was dismissed. I would like this taken off my report. It has been over 5 years it 's been on my credit report. My information was not even completed in the bankruptcy paperwork in the court. This derogatory mark on my credit should not be there.

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 2015-04-24
Company: Automated Collection Services, Inc.
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt was paid in full as agreed directly to the creditor. Settled and closed. I am no longer liable and the file should not reflect negatively on my report.

Company response to consumer: Closed with explanation