BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-19
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX # XXXX is reporting a debt that I do not owe. I was in a car accident and the insurance was supposed to pay for this, I should not have this debt on credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I have a credit card from Synchrony bank from financing a dryer at hhgregg a couple years back. hhgregg is going out of business and I want to close this card, which I have n't used since and never plan to use again. It has been paid off and carrying no balance for over a year. 
Synchrony 's FAQ is down, their " compliments and complaints '' page fails to load, the hhgregg portal for managing the card is down, and I can find no way to close this card. I tried calling several numbers including the XXXX their website says to contact for hhgregg-related accounts, and despite XXXX attempts, waiting on hold for XXXX minutes each time, I have never managed to reach a human to request account closure. 
They are effectively refusing to close this dormant card by providing no means to do so. I 'm not sure what else to do having attempted all means of reaching out I can find.

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 2023-02-08
Company: Experian Information Solutions Inc.
State: GA
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:
Account XXXX XXXX  XXXX XXXX Has violated my rights 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 2 also state a consumer reporting agency can not furnish you without my written of instructions so what that means is I have rights to my privacy

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 2019-12-17
Company: FC HoldCo LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Business has not taken the debt off all three of my credit reports. There was proof provided due to identity theft and I'm still seeing it on my credit report.

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 2022-04-29
Company: Experian Information Solutions Inc.
State: CA
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: Other problem getting your report or credit score

Complaint:
Unable to see credit score on Experian. No helpful assistance provided over the phone to fix the problem, even though I've used a credit card for approximately 3 years. 
Username : XXXX My troubles with Experian have delayed me from renting a house for 5 months now. I need assistance immediately.

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 2019-12-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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'm incurring a monthly Recurring charge on my Capital One cc. The first charge was on XX/XX/2019. I called Capital One and they sent me a new card. The charge still occurred again on the XX/XX/XXXX, the charge occurred again XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, During this period of time my credit card was changed 2-3 times, we spoke to XXXX and XXXX as the charge shown is from XXXX XXXX XXXX, a service I do not have. Both XXXX and XXXX confirmed I am not subscribed to XXXX XXXX  hence I should not be getting charged. I've told the credit card company on numerous occasions over the phone to put a stop payment on XXXX from charging me but they refuse

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-17
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a new account online with HSBC with a {$100.00} direct deposit. A week later, I used their mobile app to deposit a paper payroll check on Friday XX/XX/XXXX. Upon depositing my payheck, HSBC promptly froze my account completely, blocking me out of online access, ATM machines, or anything related to my account. I showed up at the branch to verify my identity and the legitimacy of the check, but they refused to let me gain access to my account/funds and told me I would have to wait until XX/XX/XXXX at earliest before I could gain access, but they're not completely sure. Before depositing my paycheck, there were no indications, warnings, or description of when I'd have access to my funds, that it may be flagged for fraud for x amount of days, or that my account would be completely frozen.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12
Company: Navient Solutions, LLC.
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I have 6 student loans with Navient, 3 stafford subsidized and 3 unsubsidized, through several years of unemployment and generally not making enough money to pay it back I kept being pushed into doing forbearances of my loans. I 'm learning now that I could have had repayment plans that were based on my lack of income to make the repayment. I 've tried talking to them to gain insight into options, but was always made to believe that the best option was forbearance and others were not. I was also led in a confusing way about the other options available to me. Now years later my balance is much higher than it was initially and I 've made little or no steps towards repaying my loans. I believe they 've acted in their best interest to get the most amount of money out of me possible, rather than collecting principal plus reasonable interest. 
There were times that the amount they said I had to pay was much higher than I could afford. I tried saying that I could pay a lower amount and they said no. That the only way to get back on good terms, and the best option, was to just place my account on forbearance. I could have been paying $ XXXX a month during large swaths of times, but they either would n't accept that as the repayment amount, or just said it was not needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: Experian Information Solutions Inc.
State: SC
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:
I've recently got a copy of my credit report and noticed that there was an inquiry on my consumer report that I didn't authorize nor gave anyone permissible purpose to put anything on my profile. I don't recall doing any business with this company, nor have any supporting documents ben sent to me saying I ignition this inquiry or any open accounts supporting so.

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 2020-06-21
Company: Experian Information Solutions Inc.
State: NC
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 have items on my credit report that doesn't belong to me. Experian is reporting two XXXX XXXX cases and a creditor called XXXX XXXX that I have no knowledge of. I have sent 4 certified letters and they keep telling me that these accounts are verified. I asked them to give me specific information about these creditors which is the name of the individual business address and telephone number of the person or business contacted during your reinvestigation. 
The name of the person who verified the dispute with the original creditor The documentation that was used to verify the dispute. My records show that the first letter was sent out on XX/XX/2020, second letter sent on XX/XX/2020, third letter sent on XX/XX/2020, fourth letter sent on XX/XX/2020. Experian stated that these accounts are verified.

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 2019-12-17
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I opened a credit card account with my bank, USAA, in XX/XX/XXXX. After using the account for approximately two years, I paid the balance due in full ( approx. {$1400.00} ) and requested the account be closed, shredding the card in my possession. Much to my surprise, approx. two years later in XX/XX/XXXX, USAA used the very same credit account to cover an overdraft on my checking account. Unaware that the credit account was even open, the amount due on the supposedly closed account began to become past due and collect interest. This continued for many months and I was not notified. Finally, some 10 months past due, as I was applying for a home loan, the past due account was brought to my attention, and although upset that the account was even open to begin with, I promptly paid the full amount and requested the account be closed, yet again. With a stellar credit history besides this mishap, USAA has refused to accept responsibility for dropping the ball and failing to close my credit account in XX/XX/XXXX, resulting in the one and only blemish on my stellar credit history. Not only have they refused to correct their mistake, or refund late fees as a courtesy, they have also not removed their negative report on my credit history, caused by their mistake.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
On XXXX 2016 I wrote Equifax asking to investigate my credit score. About 2 months ago I also wrote them for the same reason and got no response. I sent this request to investigate through the mail. 
I have heard no response. 
I filed Bankruptcy XXXX, 2016 and numerous tradelines were being reported wrong or should not be. Equifax would correct them, but the credit score would not change back. 
My XXXX score is XXXX. All I have on my XXXX are a lot of student loans either paid or being paid on time. On my Equifax I have those same student loans and XXXX 's furniture being paid. I also had the fraud child support, which is now removed. I told you all it was fraud. 
That wide range in credit scores XXXX to XXXX is too much a difference. Others told me that too. As said during my bankruptcy I would dispute items and removed or adjusted, but the score that dropped did not change back. 
I have asked Equifax for a copy of my credit reports since XXXX, 2016 so I can see where the problem lies since they refuse to investigate this. 
Someone with positive credit payments and closed paid accounts should not have a credit score of XXXX. They need to explain this score and they are ignoring me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
Dear Officer I am writing to report that Bank of America has never listened to its customers and has never looked into their mistakes. 
I followed the instructions of Bank of America but Bank of America did not keep its own instruction. Please ask Bank of America why they have XXXX policies for the same transaction? 
Thank you! 
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 2017-04-11
Company: Optimum Outcomes, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have asked many times for proof for this item on my credit because I have never heard of the original provider. I have never been to the location. They have NOT been able to provide me with any proof showing this is my debt. There is no paperwork, no signatures. It is a fraudulent charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17
Company: Midwest Recovery Systems
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
No Notice was mailed account appeared on my credit report cause my score to drop no knowlede of this account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
To whom it may Concern, Before i XXXX  from the XXXX, back in XX/XX/XXXX, I thought i was in good shape to purchase my first home using my VA Certification of Eligibility ( COA ) that allows Military Members and Veteran to receive loans for the purposes of purchasing a home. I was guided towards the following Company : XXXX XXXX XXXX XXXX to start my first home buying process. XXXX XXXX XXXX XXXX ran my credit through the following Company. On XX/XX/XXXX. I contacted Equifax Mortgage Service in regards to the following Hard Inquires i was ensured that the following Hard inquires would fall off of my credit report and if not to please call Equifax Mortgage Service back to have it removed from my credit report. on today 's date : XXXX XX/XX/XXXX, I contacted the following Business entity 's again inquiring that the following hard inquires be removed per Credit reporting law without any action from either company as named Below. All i want is for the following Hard Inquires to be removed accordance with the Credit report laws. Please Help. 

Thank you * Equifax Credit Bureau * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX ( information on Credit Report ) Companies will not remove : EQUIFAX MORTGAGE SERVICE Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX Is everything correct? 
If you don't recognize this information you can contact the lender directly or dispute a hard inquiry by phone or email EQUIFAX MORTGAGE SERVICE Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX Is everything correct? 
If you don't recognize this information you can contact the lender

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17
Company: CORELOGIC INC
State: NJ
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:
Credco did a unauthorized hard inquiry of my XXXX  and XXXX   credit report on XX/XX/2019 and another random unauthorized hard inquiry on XX/XX/2019. I want to dispute these hard inquiries and have them removed from my credit report and updated.

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 2017-04-14
Company: MARINER FINANCE, LLC
State: FL
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Mariner Finance continues to report a debt on my credit report that I do not owe nor have I ever made any agreements with this company. On several occasions I have sent them letters asking to provide documentation of the alleged debt in question. The last certified letter was sent on XX/XX/2017. The company has refused to address this matter and continues to report this derogatory debt which is a violation of my rights under the Fair Debt Collection Act1

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 2019-12-17
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
To whom it may Concern, Before i XXXX  from the XXXX, back in XXXX, I thought i was in good shape to purchase my first home using my VA Certification of Eligibility ( COA ) that allows Military Members and Veteran to receive loans for the purposes of purchasing a home. I was guided towards the following Company : XXXX XXXX XXXX XXXX to start my first home buying process. XXXX XXXX XXXX XXXX ran my credit through the following Company. On XX/XX/XXXX. I contacted Equifax Mortgage Service in regards to the following Hard Inquires i was ensured that the following Hard inquires would fall off of my credit report and if not to please call Equifax Mortgage Service back to have it removed from my credit report. on today 's date : XXXX XX/XX/XXXX, I contacted the following Business entity 's again inquiring that the following hard inquires be removed per Credit reporting law without any action from either company as named Below. All i want is for the following Hard Inquires to be removed accordance with the Credit report laws. Please Help. 

Thank you * Equifax Credit Bureau * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX ( information on Credit Report ) Companies will not remove : EQUIFAX MORTGAGE SERVICE Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX Is everything correct? 
If you don't recognize this information you can contact the lender directly or dispute a hard inquiry by phone or email EQUIFAX MORTGAGE SERVICE Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX Is everything correct? 
If you don't recognize this information you can contact the lender

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
There is a bankruptcy incorrect showing on my consumer report with Equifax. I have called the court listed on the report, and they are not able to verify this information. On XX/XX/2019 I sent a dispute with them. They sent me a response dated XX/XX/2019 that says they found the information through XXXX. This is invalid data, because I placed a security freeze on my XXXX file on XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16
Company: American Payment Holdco, Inc.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, I entered my local XXXX XXXX # XXXX located at XXXX XXXX XXXX, XXXX, MD XXXX to send cash through XXXX to pay the XXXX XXXX. I purchased a XXXX cash transfer for {$5700.00} ( one for {$5000.00} and the other for {$700.00} ). I received a XXXX receipts for the transactions ( attached ). I then called the XXXX XXXX to verify the receipt of the funds. XXXX confirmed the funds were not received. I called XXXX to verify transfer of the funds. I was told by XXXX that the reference number on the receipt did not belong to XXXX. I went back to the XXXX on XX/XX/XXXX to inquire about my transaction and discovered that the XXXX Associate had completed a Checkfree Pay transaction instead of my requested XXXX transaction. The associate called checkfree pay and was told that XXXX would receive the funds on XX/XX/XXXX. On XX/XX/XXXX I contacted XXXX and was told that no payments were made to my account, and again told they do not recognize checkfree pay as an authorized form of payment. On the same day I did a conference call between XXXX and checkfree pay during which the XXXX representative informed checkfreepay that no monies were received and that he never heard of them. After hanging up the checkfree rep informs me that he will start an investigation ticket that will take up to 14 days. On XX/XX/XXXX I called XXXX again to check on the payment and told again no payments have been posted. On a second call the same day XXXX asked that I get a tracking number for the transaction so that they can trace the funds. I called checkfree again for the tracking number and told that they do not use tracking numbers, just the reference number found on the XXXX receipt. I told him that all electronic money transactions can be traced after which he gave a trace number XXXX XXXX XXXX,. I called XXXX and gave them the trace number. XXXX has promised to get back to me by tomorrow XX/XX/XXXX to update me on their investigation. XXXX and Checkfree both claim 24 hour transfer of funds and it is now 6 days later and {$5700.00} is in black space. I am without my vehicle to go to work and I am accumulating fees for non-payment. I have spoken to managers in the XXXX corporate headquarters on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX without return of my funds. I have been in contact with checkfree everyday from XX/XX/XXXX -XX/XX/XXXX ( except Sat and Sun ). Checkfree Pay continues to tell me that XXXX accepts payment from them all the time and that they receive calls from XXXX on a daily basis to verify payment, which completely contradicts what XXXX says.

Company response to consumer: Closed with monetary relief