BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-09
Company: Allied Collection Services, Inc. (Nevada)
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:
I have already submitted multiple complaints that have been closed but not satisfied satisfactory. Please dig deeper and more seriously into this to satisfactory resolve my issue.
My issue is again ; MY COMPLAINT Allied Collection Service Opened XX/XX/XXXX {$170.00} Original creditor : 01   XXXX   XXXX   I have legal documentation that this account was stated as CLOSED and that their would be no further financial obligations as of XX/XX/XXXX .
<P/>
Please reference attached documents again.
Case #  XXXX  CLOSED, BUT NOT SATISFIED Case #  XXXX  CLOSED, BUT NOT SATISFIED Confirmation #  XXXX  This matter has been cleared and satisfied with my   XXXX   Credit Report but not on my  XXXX  Credit Report. Please assist, or force assistance in cleaning up my   XXXX   Credit Report regarding this FALSE information.

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 2022-09-14
Company: CL Holdings LLC
State: KS
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:
As per my request for full VALIDATION OF THE DEBIT submitted through XXXX ( ref no. XXXX ) the JEFFERSON CAPITAL SYSTEMS XXXX XXXX ), the Collection Agency merely stated that it was verified without providing any proof about any of my authorization for the purchases or services. 

I have contacted the credit bureau to VALIDATE the charges as a result of me not having a signed contract with the company. However, the item is still on my credit report. I would like to have this removed from my credit report.by reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: Experian Information Solutions Inc.
State: KS
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:
As per my request for full VALIDATION OF THE DEBIT submitted through Experian ( ref no. XXXX ) the XXXX XXXX XXXX XXXX XXXX ), the Collection Agency merely stated that it was verified without providing any proof about any of my authorization for the purchases or services. 

I have contacted the credit bureau to VALIDATE the charges as a result of me not having a signed contract with the company. However, the item is still on my credit report. I would like to have this removed from my credit report.by reporting bureaus.

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 2017-06-09
Company: SRA Associates, Inc.
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
O n   XXXX   XXXX   XXXX   I receiv ed a call on my cell number from collection. Demanding a payment over the phone of {$1000.00} otherwise they will report to credit bureau. After the initial shock I asked for more information. I was informed that they partner with  XXXX  and since I did n't make a payment of {$1000.00} on time to  XXXX  they sent my claim to collection.   To begin I never received any bill or invoice in the mail, never received a phone call from  XXXX . I was also informed that the claim was for insurance deductible. But my insurance  XXXX  which I still have never claim that payment either.   Immediately after, I called  XXXX . I was transfer many times and nobody could explained to me why and who transfer the claim to collection. They all said the same to call collection because my information was no longer available to them. I asked to speak with a supervisor and I received the same answer. I called back collection but they said the answer to my question was with  XXXX . The played me really bad, and then the threats to my credit began. Same date I submit a claim to BBB complaint ID #  XXXX . O n  XX/XX/XXXX  I r eceived a letter indicating that  XXXX  had not responded to their letters they sent on my behalf.  XXXX   XXXX   XXXX  I found that  XXXX  had file a negative report on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: EQUIFAX, INC.
State: WA
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:
This complaint is aimed at the three credit bureaus ( Equifax, XXXX, and XXXX ). 

Although the actions described below are legal according to the Fair Credit Reporting Act ( FCRA ), the result of the misuse of credit reports and personal information creates an undue hardship for consumers. 

My situation began on XX/XX/2022. 

I had submitted a loan application with a local mortgage lender, and got pre-approved. My credit is solid, and my household income allows me to afford a home purchase. 

Following being pre-approved, I was bombarded with solicitation calls and text messages. On Monday, XX/XX/2022 I received about 37 calls from different lending institutions soliciting me for my business. Let me repeat that ; OVER 37 CALLS!! That's insane, and I've never experienced something like that before ; certainly not when I bought my last home. 

I am filing this complaint as a record because I will also be reporting them to the XXXX as well as writing my congress person to speak about change. These companies need to know their place in society, and selling consumer information for a profit is not where they belong.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09
Company: U.S. BANCORP
State: NC
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 recently filed a complaint regarding this company and the way they handled the decrease of my credit line. I contacted them regarding mishandled payments on my account by the bill pay company and they did not inform me that they were going to lower my credit limit even though they refunded the late fee. I could have provided information from the bill pay company to support my claim that this was their error and not mine. I had 9 months of no missed or late payments. I contacted the credit card companiy 's service department where I was told the account was open and not closed. When I filed my complaint, they closed the 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 non-monetary relief
Consumer complaint received 2017-06-09
Company: WELLS FARGO & COMPANY
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I purchased a vehicle from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MO, on XX/XX/XXXX. At the time of purchase, the finance officer, XXXX XXXX, told me that because of my credit score, the bank they were working with would only lend me the money if I took out a {$3000.00}  insurance policy to insure my payments. I did not want insurance, but the finance manger told me I could not get the car without it. The total price of the car including all the fees and insurance was {$24000.00} and I gave them a {$7000.00} cashier 's check as a down payment. My monthly car payments are through Wells Fargo Dealer Services for 72 months at {$270.00} a month. I have this taken directly from my checking account each month, and I have never been late on a payment. <P/>I recently found out through my son, who is a XXXX, that the practice of obtaining a loan on the purchase of additional insurance is illegal ( FDIC Law, Part 343 - Consumer Protection is sales of insurance Sec. 343.10 and 343.30 ). I have been trying to contact the car dealership since XX/XX/XXXX, with unsatisfactory results. I have sent numerous emails and made several phone calls and left numerous messages, the latest being XX/XX/XXXX. I have spoken with the finance manager twice, and each time he informed me he would get back with me after he spoke with his general manager. I have not heard back from them. I would like for them to cancel the policy and refund my {$3000.00} plus all the high interest I have been paying on it. <P/>I am providing the dealership information below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Phone : XXXX General Manager : XXXX XXXX Sales Manager : XXXX XXXX Finance Manager : 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 2022-04-05
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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:
Trans Union is  showing that I have an adverse account with   XXXX   XXXX   XXXX  . The original account was with   XXXX   XXXX   XXXX  . I have submitted a dispute with  Trans Union sta ting that this account was included in my bankruptcy. I have uploaded the supporting document  XXXX  showing that the   XXXX   XXXX   XXXX   account indeed was on my bankruptcy. They came back stating the information on my credit report is accurate. It is not.

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 2018-05-31
Company: SYNCHRONY FINANCIAL
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: Account information incorrect

Complaint:
On XX/XX/XXXX, I made a purchase at XXXX XXXX ( XXXX XXXX   XXXX, XXXX, NY, XXXX ). Just before I made the purchase the Cashier ( XXXX, XXXX, XXXX : XXXX ) asked me did I want an XXXX XXXX XXXXXXXX. I asked was this a discount card and she said it was. She began preparing the application. I answered various questions on the computer screen. When she asked for my Social Security # ( SSI # ) I became suspicious because whenever I acquired discount cards in the past I never gave my SSI #. I asked the cashier why she wanted my SS # for a discount card and this is when I discovered that she applied me for a credit card. I told her I did not want a credit card and asked her why did she tell me it was a discount card. I demanded that she cancel this application, because she misrepresented what she was applying me for. A phone call was made, I spoke to a representative at the XXXX XXXX Credit Card Department and they assured me that the application was cancelled. I also asked would they report this to the credit bureaus and she assured me that they would not because the application was not completed. A few days later, on XX/XX/XXXX, I received a credit report alert from XXXX and XXXX, indicating that XXXX XXXX had placed damaging remarks on my credit report. XXXX XXXX had reported to these Unions that I had opened and closed a credit card account, which brought my credit score down 32 points. I made  several calls to XXXX XXXX and the credit bureaus without any success.

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 2017-06-09
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I was put on a plan many times and the pricing monthly always changed. Then I would call and say I am making my monthly payments but getting a bill asking for late pays. They put me on some kind of stop payment because I had a baby and was not working much but it seems like my loans keep rising. I can never pay them down. Then they took my taxes two years ago because of payments but I was making payments. Talking to these people is difficult and pointless and my credit is ruined. I just wanted reasonable payment options. Also I enrolled in a school called XXXX. I did not end up attending. I went to the orientation and could not do the hours for the school but was still charged all the loans and never took one class.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I'm trying to set up a budgeting and overdraft protection service, and CapitolOne will not let me. They are blocking all external applications. This information is mine to share.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: Experian Information Solutions Inc.
State: PA
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:
The companies listed below are unlawfully reporting an unauthorized inquiry on my consumer report. 
I have not given them permission to access my credit profile. 
I have not initiated any transaction with the companies listed below. Furthermore, I do not havean account as defined under 15 U.S.C. 1693a ( 2 ) with the companies listed below for review orcollection. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 







Dispute letters were sent to the companies to dispute the matter, no correspondence yet.

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 2022-09-14
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: Was not notified of investigation status or results

Complaint:
Been sending letters to the respective agencies but I never got any response about it. I felt I am being ignored and taken advantage. This isn't fair!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: Gotham Collection Services Corp.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Company failed to validate debt as per my written request and has began garnishing my wages. Company also lied stating debt has been validated when it has not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My Mortgage Company, Option One, transferred to American Home Mortgage, Transferred to Ocwen Servicing, transferred to PHH and now informed transferred to XXXX. There has been many discrepancies in the amount I owe and on my statements and when I requested a break down my mortgage always transfer to another servicer ... This has been an on going problem since I secured a mortgage loan with Option One in XXXX to purchase my home at XXXX XXXX XXXX, XXXX, NJ XXXX. I have been experiencing hardship after my Father passing and having to quarantine. My mother is very ill and had explain this to Ocwen when I fell behind in my payments and OCWEN offered me a loan modification. In the process of making corrections to my loan modification, my loan was transferred to PHH.

I was informed by PHH there was no record and they needed to research which continue to delay correction to my balance. As a result of this delay I had to I could not sell my house in XX/XX/XXXX. I have been commuting to care for my mother a foreclosure was started. Unfortunately due to COVID-19 I have had to quarantine.

I have been trying to resolve this myself and can not afford an attorney. 
On XX/XX/XXXX, I arrived back home from WV and PHH had sent someone to change the locks on my doors and had winterized my house! I had to call a lock smith to change my locks and Dewinterize my home. This cost me over {$900.00} to change my locks and De-Wnterized my house. During these hard times and pandemic PHH should not have enter my home. I am terrorize and fear someone can enter my home because I am commuting to care for my Mother and may be away from my home for serveral days.

I had already informed the mortgage company since the death of my father and my mother illness in XXXX the reason I wanted to sell my house. I was told not to worry. Instead I was served with foreclosure papers from XXXX C/O PHH Mortgage Services. It has been a nightmare

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: EQUIFAX, INC.
State: MD
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: EQUIFAX, INC.
State: SC
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:
I had filed XXXX XXXX XXXX  in XX/XX/XXXX. The bankruptcy was set to come off this year. I had relinquished a car in the bankruptcy. On XXXX, it was showing 7 years was up on car through XXXX XXXX in XXXX of this year. I disputed it through XXXX. Next thing I know, they got upset and reported me as late on equifax now and showing XX/XX/XXXX instead. I did not have that car long at all. I dispute the fact that it was that long. It should be over. 7 years has passed and now they brought my score down by XXXX points. Please help me resolve. Let me know of anything I can do on my end.

Company response to consumer: Closed with explanation