BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-04
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I'm sending you this letter of complaint to let you know that I was a victim of identity theft. I recently looked at my credit record and found some items that are not mine. The Following Personal information appearing on my report are incorrect. Also, the following inquiries appearing on my credit report are unauthorized. I have no legal obligation with these companies nor inquired for anything as well as I have never signed any papers authorizing these inquiries. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. According to FCRA section 605b, the credit bureaus must block or delete any items mentioned in an identity theft report. To aid with the blocking of the fraudulent items that were discovered on my report, I have included some documents. 
CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Inquiries XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2021 I sent a debt validation letter to COMNWLTH FIN XXXX XXXX XXXX XXXX XXXX, Its been more than 30 days and they have not responded my request. ( letter attached ) I am distressed that COMNWLTH FIN have included the information below in my credit profile and that they have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. ( FCRA ) Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

Account # XXXX Please remove it from my credit report. 


I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 

Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 

Pursuant to XXXX XXXX XXXX ( c ) I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with through any and all mediums.

Pursuant to 15 USC 1692c ( c ) ( 2 ) I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : Zero out the balance on this account Deletion from all consumer reports. 


Best Regards XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
We had auto payments setup for our auto load form TD bank. Twice the auto payments got removed form our account causing us to incur late fees and to report negative stuff to our credit report. The reps told me there is a bug in their system with business accounts and auto payments. I am requesting to remove the report form my credit report and refund the late fees

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
After waiting on hold  for 45 minut es for a United States representative. I called up and told them that they reput inquiries on my report.  XXXX   ( will not give a last name or ID number ) put me hold again for 10 minutes when he looked up my inform ation. He asks now what 's the issue and I told him again that TransUnion reput inquiries on my report, and by law you have  to give five days notice. He then asks for the names/dates of the inquiries. He then said this glitch was from an outside credit reporting source. I tell him we both know that is not true. I want these inquiries removed now and I know my legal rights and then he hung up on the phone on me!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: Paypal Holdings, Inc
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Paypal put my account on limitation about 3-4 weeks ago and wanted me to provide proof of money transactions to be mine. I submitted all documents and bank statements that they asked for but they still decided to close my account and hold all my funds for 6 months. I did nothing wrong and dont deserve to be treated like this that is all the money that I have I need it back I have them what they wanted

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
At the end of XXXX I received an upgraded credit card from Synchrony Bank Care Credit. They said they were upgrading me from the store card to the master card. The mailing did not clearly state that it would be a fully new account that would damage my credit score. 

I activated the card in the last couple of days of XXXX. Yet the account listing on my credit report says it was opened XX/XX/2019, this means that care credit and synchrony Bank fraudulently opened an account in my name. 

On XX/XX/XXXX I logged into my synchrony Bank Care credit account and was discovered that I had two open accounts listed with two different credit limits. The original synchrony bank care credit store card with a limit of {$12000.00} and the master card version with a {$7000.00} limit. 

On XX/XX/2019 I used the synchrony bank website customer service chat to ask about the accounts ( note I am still waiting for a transcript of this chat ). The agent told me that they could close the master card account, that I never agreed to opening, and my original store card would remain open and unchanged. I confirmed multiple times that my original account would remain open. 

On XX/XX/2019 I logged into my account and discovered that it had both accounts listed as closed. I again used the chat feature and the agents told me that my original account was automatically closed because I activated the master card. I explained that I spoke to an agent on XX/XX/2019 and they assured me the account would remain open. The new agent said that they couldn't have kept the account open. So I requested the original account be reopened in accordance to the assurance I was given by the agent on XX/XX/2019. The agent said it was not possible and transfered me to a supervisor who also refused to help me. They would not give me contact information for anyone higher than themself, simply gave a general mailing address and fax number for customer correspondence. 

I have tried to fax and email customer service multiple times and they keep saying they will not honor the assurance from the customer service agent on XX/XX/2019 that my account will remain open. They will not reopen my account. They will not let me contact anyone higher than a customer service representative.

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 2017-06-01
Company: AMERICAN EXPRESS COMPANY
State: IL
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: Card was charged for something you did not purchase with the card

Complaint:
American Express is c harging late fees and threatening to report me to credit agencies for a dispute. The disputed charge is for an unsolicited  XXXX  ride on  XXXX / XXXX / XXXX  for {$40.00}. Late fees of over {$200.00} have been added to m y American Express account as well. Despite me having contacted American Express  in  XXXX ,  XXXX ,  XXXX  of  XXXX  and  XXXX  of  XXXX . I spoke to  American Express  representatives,  XXXX   XXXX  and  XXXX  about this  matter.As of late, several American Express employees such as  XXXX   and  XXXX  continue to harass me and call my private mobile to tell me that they have sent my information to deb t collectors.Also, up until this very day, I am still unable to use my AMEX points bec ause of the present issue. These points were earned independent of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: Commonwealth Financial Systems, Inc.
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Commonwealth financial systems sent me a letter notifying me of a debt they were collecting which was a very old debt that fell off my credit record. They said I had 30 days to dispute this letter. The letter was dated XX/XX/. There was an amount offered as a settlement, and just today I was notified, that my credit Reading plunged 48 points because they already had put this on my credit. I am livid. This is XX/XX/XXXX and I havent even had this letter two weeks and its on my credit record already. Im thinking about contacting an attorney to sue them. I attempted to file a dispute with the credit bureau and they would not allow me to do it, it said that I had contact the Collection agency. This is not going to fall off my credit, until I pay this debt. They did not even give me the chance to dispute it in writing before they reported it to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: HYUNDAI CAPITAL AMERICA
State: UT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
My statement does not reflect anywhere what my interest rate is. When I log online, I have to go fishing and click everywhere to finally find it under my details section. When I applied for the vehicle I feel like the 5 % interest rate was super high for where my credit score was at the time. I also was told that I had to use Kia Financing and was not aware that I was able to use other auto financing options with other lenders in order to determine who would be able to offer me the best rate. I feel taken advantage of and now feel stuck with a much higher rate than what I could have gotten if XXXX XXXX XXXX XXXX was honest and let me know they could've checked with other banks on offers.

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 2022-01-04
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My XXXX lease with Toyota Financial Services ended, XX/XX/XXXX. I received the closing statement and paid it. Account was closed never late. 
I did the annual credit check XX/XX/XXXX and found on XXXX negative comment about a balance due. The online account does not show a balance due. They never sent any communication about a balance due. In XX/XX/XXXX they placed a comment on XXXX without contacting me first. Now they are making me jump through hoops to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: EQUIFAX, INC.
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:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Accounts that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4300.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance : {$3500.00} XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$6700.00} XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$6500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
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:
I disputed a charge of {$100.00} with Capital One on a service that was canceled within the time period. The case was closed in my favor. Now, they rebilled me without warning. There service is no longer available to me that was paid for and I'm charged for it thru my credit card company. So the company made Capital One recharge me without the service available. That's fraud. And Capital One will not refund the amount I'm out.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01
Company: Navient Solutions, LLC.
State: OR
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In  XXXX  of  XXXX  I contacted Navient by phone to initiate the process of having my student loan forgiven as part of the   XXXX    Loan Forgiveness pro gram. I was told by the representative that my loan did not qualify for forgiveness. I continued to make payments until  XXXX  of  XXXX  when a conversation with a colleague made me suspect that I had been given bad information. My loan did qualify for forgiveness. I undertook the process of getting loan forgiveness.  Navient  rejected my application four separate times for a variety of extremely trivial reasons ( e.g. I wrote a date as  XXXX  rather than  XXXX  ) but finally sent the note to the guarantor who paid my loan in full.   Because I was given false information on the nature of my loan, I ended up making a full year of payments unnecessarily.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: EQUIFAX, INC.
State: NC
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:
The following account was charged off as of XX/XX/2019. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history which to my understand charged off accounts should NOT include an active payment history. Need I remind you this also falsely manipulates the statute of limitations as this company is reporting an open account status but is reporting it as charge off repeatedly every month. 

I am demanding a deletion of the following account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
The following account was charged off as of XX/XX/2019. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history which to my understand charged off accounts should NOT include an active payment history. Need I remind you this also falsely manipulates the statute of limitations as this company is reporting an open account status but is reporting it as charge off repeatedly every month. 

I am demanding a deletion of the following account.

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 2022-04-26
Company: Scratch Financial, Inc.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I opened a line of credit with scratchXXXX to take care of XXXX XXXX Originally the loan was opened for {$1500.00} but I was informed that I was approved for over {$6000.00}. Later it was determined that I did not need that much money for my dog and only {$430.00}. They did not adjust the monthly payment of the loan for this amount. I called them and they said I needed to speak with my veterinarians office but I explained that my vets office was not open and if I waited the bill would be late. The woman I spoke with said there is a grace period I didnt have to worry about the bill being late. I called my vet and they said said they would notify ScratchXXXX and I would get a new bill. I did not get a new bill. I was hit with a late charge and I did make a payment but they are telling me the amount is incorrect. Also, today I needed to use {$170.00} of the loan and they said I will have no trouble adding this amount to my loan. Later after my vet added the amount to my balance I received a call from the vets office saying they took it back. I called scratchXXXX and they said my loan is no longer valid as of XX/XX/22 and that I needed to apply again. I applied and they denied me the funds. I dont know what to do. This is not a significant amount of debt but I dont feel like this is how loans work nor do I feel that I am being treated fairly.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: First Mortgage Solutions
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied with a lender called First Mortgage direct to refinance my home. We provided all the paperwork and even paid for services like the appraisal. They advised us that our file will be going to underwriting. I was dealing with a man named XXXX XXXX. When days turned to a week, I reached out to find out the status and they told me that it is still under underwriting and that my DTI may be too high, but they will confirm with underwriting.

This was strange because I'm virtually debt-free and make more than XXXX XXXX XXXXXXXX dollars a year. I said ok, I'll wait for their update. Days turned to weeks as I virtually emailed and called almost everyone at the company. Turns out there are two reasons they stopped replying to me. One was XXXX motivation, as I started reading other reviews from other clients who had the same issues and were mostly XXXXXXXX XXXX  and the other was that they knew rates were about to rise and since I had a rate lock it would cost them money. I decided to go with another lender. Now that I need them to transfer the appraisal I paid for, to my current lender, they are still not answering my calls or emails.

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 2021-01-19
Company: Mr. Cooper Group Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I wrote to the credit bureaus requesting an investigation into items that I believed were inaccurate. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: ACIMA CREDIT, LLC
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
According to Acima Credit in my last complaint I submitted the cfpb Acima Credit stated that laws under 15 USC 1692 does not apply to them but according to federal regulations the only sellers exempt are Contracts before XX/XX/1977 16 CFR 433.3 - Exemption of sellers taking or receiving open end consumer credit contracts before XX/XX/1977 from requirements of 433.2 ( a ). 

and they are indeed in violation of the laws I stated in previous complaint in my affidavit also they are still reporting after I sent in a cease and desist through all mediums including consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I have never filed for Bankruptcy in my life yet the credit bureau is reporting that I have a bankruptcy from   XXXX   on my credit report. This is incorrect information and has been disputed numerous times with the credit bureau. My concerns are never addressed and this continues to damage my credit when the account is not even mine. I need the credit bureau to ensure their records are in order. In the past, the credit bureau has reported other persons ' accounts on my credit just because I share a similar name. If I really did file for bankruptcy in   XXXX  , would n't several accounts be showing on my credit as " Included in Bankruptcy ''? They do not because this record is not mine and I ca n't understand why the credit bureau refuses to see this and address my concern. I do not understand the logic behind the credit bureau investigation.

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