BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-24
Company: Experian Information Solutions Inc.
State: TN
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:
Experian XXXX XXXX XXXX Credit line secured with account # XXXX opened on XX/XX/XXXX and a balance of {$140.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

XXXX XXXX XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$640.00}. 
This account is being reported on my credit report multiple times with the same creditor and open date. Please remove this error and any negative information in this account immediately. 

XXXX XXXX XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$640.00}. 
This account is being reported on my credit report multiple times with the same creditor and open date. Please remove this error and any negative information in this account immediately. 

XXXX CHILD SUPPORT Family support with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. 

Inquiry from XXXX XXXX XXXX XXXX  on XX/XX/XXXX. 
There are multiple inquiries all within XXXX day of each other on my credit report but I only authorized XXXX of them. Please remove all of these unauthorized inquiries immediately. 

Inquiry from XXXX XXXX XXXX XXXX XXXX 
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 

Inquiry from XXXX XXXX XXXX XXXX XXXX XXXX 
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 

Inquiry from XXXX XXXX XXXX XXXX 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry 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 non-monetary relief
Consumer complaint received 2021-05-22
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/2021 I learned that I was locked out of my security freeze and fraud alert information on Equifax. I receive updates monthly from other credit bureaus. I was a paying Equifax customer for many years. My information was breached during the Equifax security breach. When I tried contacting Equifax regarding my inability to access my information. I was told they were doing an update. I learned that the security PIN I was given when I initially set up my freeze and fraud alert is no longer required to access the security information. 

Each time I tried to enter my information I was told that an account could not be found. But when I tried recreating my account with the information I knew existed, I was then told you already have an account. When I asked to have a reset sent to my email it never arrived. I believe Equifax is still up to their old fraudulent games. Why would they remove the PIN and then make it easier for someone who has received my information to be able to recreate my account with information that was stolen during the breach. 

I have received at least 5 alerts from XXXX  and XXXX informing me that my information is being sold on the Dark Web. As for any refund for all the years I paid for service, there was none. I submitted a complaint against Equifax when the settlement was first announced. I have received nothing to date from that supposed settlement. I believe Equifax should not even be allowed to continue in business handling secure information. I was told the only way I could verify my identity was to send a copy of my social security card, a drivers license or other very personal information to XXXX, GA. Yes, I understand that's where Equifax is located, but I also know that someone in XXXX is pretending to be me. I don't trust them. I was tricked before into sending information as these to them, but the issue continues.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-16
Company: DriveTime
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Me and my wife percussed a car back in XXXX 2013 and thought we were getting a great deal. Come to find out we got screwed on this deal. They told me that they report to credit and they do n't. After about 1 year and 1/2 we went and percussed another vehicle and all the payments I was making to drive time was not showing up. They went even on my credit report. Also, the entrust rate is killing us, it was like over double what I was paying on my other vehicle. If I could have had afford it we would wound up paying over XXXX on a car that was only worth about XXXX. I do n't know how they can get away with that but they are taken advantage of people that have been in hard times. I have looked into this company and come to find out there have been lawsuit after lawsuit against them and most of the lawsuits are for harassment. 
I had to turn in the car because I could not afford it anymore and now I am getting harassing phone calls at my job and my family is getting them also. I would like this to stop and I would like them to leave me and my family alone. They got there car back and the have already sold the car. I can wind up losing my job if they keep calling had harassing me at work. I have a family to support, and I ca n't afford to lose my job because of them. 
I would like someone to stop this and put this company out of business. they have no right to treat good people like this. I have been keeping my cool about it but this is the last straw. I am going to keep looking into this company and find out what legal action I have against them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14
Company: Receivables Performance Management, LLC
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
Recieved multiple ( at least XXXX ) calls in XXXX days time frame. Never left a message. When I called back to see who was calling, I was repeatedly hung up on. When I was finally able to see why they were calling they said a debt was owed. When I asked for details I was transferred to another person to and started the process over again. Then I was hung up on again. I called back XXXX times and spoke to XXXX different people. When I asked for details on the debt, I was hung up on. When I called back, I asked to speak to a manager and was hung up on.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15
Company: Conn's, Inc.
State: NC
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
XX/XX/2015 I PURCHASED XXXX PIECES OF GRAIN LEATHER FURNITURE FROM CONN'S APPLIANCES dba CONN'S WHICH WAS DELIVERED XX/XX/2015 BUT IT WAS BLENDED LEATHER AND ALSO I WAS BILLED $XXXX FOR PERSONAL PROPERTY INSURANCE IN THE INSTALLMENT CONTRACT. I GAVE TO CONN'S COPIES OF MY HOMEOWNER INSURANCE POLICY DECLARATION PAGE PROVIDING $XXXX PERSONAL PROPERTY COVERAGE. I CONTACTED CONN'S AND INFORMED THEM OF THE DIFFERENCE IN THE FURNITURE QUALITY AND WAS TOLD BY THEM THERE ARE NO RETURNS OR EXCHANGES. THERE ARE NO STATEMENTS IN THEIR CONTRACT, SALES FLYERS, STORE FRONT OR WEB SITE TO THIS EFFECT. THEY ARE USING THE OLD "BAIT AND SWITCH" SCAM TO STEAL $XXXX FOR INFERIOR FURNITURE. THE ITEM HAD A SALES TAG ATTACHED DECLARING GRAIN LEATHER THAT WAS SWITCHED BY CONN'S TO BLENDED LEATHER

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16
Company: BARCLAYS BANK DELAWARE
State: IN
Product: Credit card
Issue: Rewards

Complaint:
On XXXX/XXXX/2016 I had statement cut with a balance of {$28.00} with a due date of XX/XX/XXXX. I believed I had auto payment on from my checking account which I evidently did not. I was charged a {$25.00} late fee and {$25.00} in interest. 
The {$25.00} interest charge is the most troubling since that 's over a 1000 % APR on a {$28.00} balance. 

On XXXX/XXXX/2016 I noticed my XXXX XXXX and XXXX XXXX credit card accounts had been closed when I went to sign in to it presumably for this late payment of {$28.00} on a {$14000.00} credit line. I immediately paid all outstanding charges on both cards including all fees even though I think the interest rate is suspicious. Barclays never notified me cards had been closed luckily I had n't tried to use it since it was, that would have been a very embarrassing moment I do not wish to have my XXXX account reopened, but I would like the {$1500.00} in rewards on XXXX and {$4.00} on my XXXX XXXX card that I saved up for months so that I could use on my trip to XXXX next month to run in the 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 monetary relief
Consumer complaint received 2021-05-23
Company: AES/PHEAA
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a paid member of XXXX, XXXX, and XXXX  and was able to screenshot multiple inaccuracies on my 3 credit reports of several negative items that do not match one another in listed balance, dates of alleged late payments, and/or authorization. I am challenging these negative items appearing on my XXXX  report, I want them removed from my credit reports immediately. I have disputed thought the 3 bureaus and 2 have not listed the items as under investigation in over 30 days, violating the Credit Repair Act. I am not able to secure housing for my wife and kids during COVID as a result of these negative items appearing in a credit check for any home rental company 's applications. Please help us. 

1. XXXX  XXXX Acct - Dates do not match XXXX, Unauthorized, Company in class action lawsuits for illegal activity.

2. XXXX XXXX  - Dates do Not match XXXX, Company in Class Action Lawsuits for illegal activity. 
3. XXXX  Fed Loan Servicing - Dates do not match XXXX, balance incorrect 4. XXXX  Fed Loan Servicing - Dates Do not match XXXX, balance incorrect 5. XXXX  Fed Loan Servicing - Dates do not match XXXX, balance incorrect 6. XXXX  XXXX XXXX XXXX - does match XXXX  XXXX, unauthorized, unknown. 
7. XXXX  XXXX - Insufficient information, does match XXXX XXXX XXXX XXXX, unauthorized, unknown 8.XXXX XXXX  XXXX Original Creditor Not listed, Terms Not listed, No payments have been reported on this account, Highest balance significantly exceeds credit limit. Unauthorized, Class Action Lawsuits for company-recent Settlements of {$860.00} XXXX for illegal activity. 

Hard Inquiries XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hard Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/21 XXXX XXXX XX/XX/21 XXXX XXXX XXXX XX/XX/21 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-23
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I sent a certified letter on XX/XX/2021 to stop mailing me letters and no more contact about this debt via any method since its outside the statue of limitation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-06
Company: Pioneer Credit Company, Inc
State: KY
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I got a letter in the mail from Pioneer Credit Company that that had an actual check for a loan that they created pending deposit of the check or cashing the check. If this got lost in the mail this could 've hurt my credit. Anyone could 've cashed this

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: Experian Information Solutions Inc.
State: TX
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:
Re : DELETE FRAUD ACCOUNTS UNDER SCRA 50 USC 3953 As indicated above my information may have changed in your files since my last confirmation dispute, please apply all changes to the information above. 
1. DPT EDXXXX Acct # XXXX Opened on XX/XX/XXXX This account does not belong to Me, SCRA XXXX  Immediate Removal Per Section 533 ( c ) ( codified at 50 USC 3953 )! I have requested where I have signed for this DEBT NO CONTRACT HAS BEEN PROVIDED. Possible Fraudulent account using my name & SSN to establish credit DELETE this from my credit file per Texas Finance Code under Title 5 Chapter 392, Sec 392.001 ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( 5 ) ( 6 ) ( 7 ) ( A ) ( B ) Sec 392.101 ( a ) ( b ) ( 1 ) ( 2 ) ( c ) Sec 392.102 and Subchapter C. 392.201 392.202 ( a ) ( b ) - ( e ) ( 1 ) ( 2 ) ( 3 ) 2. XXXX Acct # XXXX Opened on XX/XX/XXXX This account does not belong to Me, SCRA XXXX Immediate Removal Per Section 533 ( c ) ( codified at 50 USC 3953 )! I have requested where I have signed for this DEBT NO CONTRACT HAS BEEN PROVIDED. Possible Fraudulent account using my name & SSN to establish credit DELETE this from my credit file per Texas Finance Code under Title 5 Chapter 392, Sec 392.001 ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( 5 ) ( 6 ) ( 7 ) ( A ) ( B ) Sec 392.101 ( a ) ( b ) ( 1 ) ( 2 ) ( c ) Sec 392.102 and Subchapter C. 392.201 392.202 ( a ) ( b ) - ( e ) ( 1 ) ( 2 ) ( 3 ) 3. XXXX Acct # XXXX Opened on 7/2019 This account does not belong to Me, SCRA XXXX Immediate Removal Per Section 533 ( c ) ( codified at 50 USC 3953 )! I have requested where I have signed for this DEBT NO CONTRACT HAS BEEN PROVIDED. Possible Fraudulent account using my name & SSN to establish credit DELETE this from my credit file per Texas Finance Code under Title 5 Chapter 392, Sec 392.001 ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( 5 ) ( 6 ) ( 7 ) ( A ) ( B ) Sec 392.101 ( a ) ( b ) ( 1 ) ( 2 ) ( c ) Sec 392.102 and Subchapter C. 392.201 392.202 ( a ) ( b ) - ( e ) ( 1 ) ( 2 ) ( 3 ) 4. XXXX XXXX Acct # XXXX Opened on 4/2017 This account does not belong to Me, SCRA XXXX  Immediate Removal Per Section 533 ( c ) ( codified at 50 USC 3953 )! I have requested where I have signed for this DEBT NO CONTRACT HAS BEEN PROVIDED. Possible Fraudulent account using my name & SSN to establish credit DELETE this from my credit file per Texas Finance Code under Title 5 Chapter 392, Sec 392.001 ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( 5 ) ( 6 ) ( 7 ) ( A ) ( B ) Sec 392.101 ( a ) ( b ) ( 1 ) ( 2 ) ( c ) Sec 392.102 and Subchapter C. 392.201 392.202 ( a ) ( b ) - ( e ) ( 1 ) ( 2 ) ( 3 )

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 2015-09-02
Company: JPMORGAN CHASE & CO.
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
Keep calling to take me to court without telling me the name of theircompany.After i repeatedly request for their information and they hang up on me

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Delinquent account

Complaint:
I opened a Kohls credit card in XX/XX/XXXX and always made payments on time. I ordered my annual credit report XX/XX/XXXX and found that Kohls had reported they charged off a balance of $ XXXX dollars. I was never mailed notices of payment overdue from Kohls. They never contacted me to tell me that they were going to report negatively to the credit bureaus. I do not even know if these charges are truly accurate or are charges I made, I am upset at Kohls - they have single handily ruined my XXXX+ credit score, My score is now XXXX. This year I was planning on refinancing my home and Kohl has ruined my credit score. I will never shop there again, I XXXX kohls credit credit reviews and found over XXXX complaints. Something needs to be done -they are hurting working families.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-23
Company: JPMORGAN CHASE & CO.
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:
We bought a household appliance on XX/XX/XXXX with our Chase credit card. The appliance was under warranty but the company refused to service the appliance after calling them every day for weeks. 

We reversed the charge, and the company sent us to debt collection. The debt collectors sent us an intimidating email so out of fear we sent them a check on XX/XX/XXXX to pay for the appliance plus an additional late fee that was 33 % of the original payment. 

Then Chase undid the charge reversal, meaning we have paid the company twice. We contested this and sent detailed proof to Chase that we had paid the debt collectors, including the emails from the debt collectors and scans of the exact check we sent to them. 

We are stuck with a broken appliance that we have had to pay more than double the price for. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: Credit Corp Solutions Inc.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I recently viewed my credit report and noticed that this company has report that I owe them a debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit card
Issue: Billing disputes

Complaint:
In 2014, I opened an American Eagle credit card. I paid the first bill right away. This first bill was sent to the address of XXXX, MA XXXX. Then, my family and I moved to a new address which is XXXX, which is also in XXXX. After this occurrence, I never received a bill after that. Until recently, I received a bill ( letter ) which was from a company called " XXXX '' which stated that the XXXX Inc, Visa card account was moved to a different agency called " Synchrony Bank. It also informed me that the account was seriously past overdue with the bill of my total balance that was due, which I paid immediately. But the problem was that I never received any bills, letters, or phone calls between the time of these two bills, so how could I have paid the unsent bills. Synchrony bank never sent me a bill since I received my first bill, until the one that was most recently sent. 
I was filled with confusion on what has occurred and why I never received those bills. So I called customer service of Synchrony Bank. The representative I spoke to told me that my account was totally shut down. I also asked when I first received the bill and at which address, she responded with XXXX , and it was received 2 years ago which was correct. Then I asked for the new address, and she told me the new address was XXXX, which was incorrect. The address was actually XXXX and not XXXX. The representative said someone at the company put in the address incorrectly, and the system saved an incorrect input that Synchrony bank inserted. This meant that I was not at fault and Synchrony bank was the one who inserted my address incorrectly, causing my credit score to fall. 
After the call, I sent a dispute letter to Synchrony Bank which stated the mistake that they made. Synchrony Bank sent me a confirmation letter back stating that they have verified the account being paid in full. It also stated that " we have contacted the consumer reporting agencies XXXX and requested that your account record be updated to reflect the status : account Paid in full, was a charge off ''. So again I called Synchrony bank asking if the letter was actually sent because I have received no further information in over 2 months. The representative told me the update status was sent, and the account was updated to fully paid. 
In conclusion, I still see no change in my credit score. Nothing has even occurred or even updated to my credit score.Synchrony Bank inputted my information in incorrectly in the system, due to this mistake I have to suffer the loss of my credit score. My credit score remains as it was when it dropped.

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 2015-05-28
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card
Issue: Transaction issue

Complaint:
Opened card at banana republic. Wanted to pay it off next day. Website was very difficult. Was told by rude representative that card will not be delivered for seven business days, and that I ca n't make payment without incurring a {$10.00} fee for a {$200.00} bill before getting my card. I will be traveling for the next month, at which point I will be in delinquency status, so I 'd like to get this done now. Only there is no way to do it. That seems quite ridiculous and unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24
Company: Home Loan Center, Inc.
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I was web browsing and clicked on an add from Lending tree about the HARP program. 
I clicked a link that said " Instantly find out if you are eligible '' I clicked the link and took a short survey. The link did not tell me if I was eligible. The link sent out all my info to lender for a loan. I was never told I was applying for a loan. Now I am getting called - pestered - by several different lending institutions. I never was told if I qualified for HARP. 
This seems very fraudulent to me as I was never told I was going to have my information sent out and I was never told what the original link specifically indicated it would do. Bait and Switch.

Company response to consumer: Closed with explanation