BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-25
Company: EQUIFAX, INC.
State: TX
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 contacted Equifax several times to have unauthorized inquiries removed, yet they will not remove them. There is no documentation that I authorized these transactions and I even have a fraud alert on my file. It is unfair to have to reach out to companies, with no success, to try to get inquiries removed that I did not authorize to begin with. Also, it is unfair and not good practice to continually deny me, yet when other customers call a rep will remove inquiries for them with no hesitation or valid reason being provided. If the policy is that an inquiry should stay on file for two years, this must be enforced consistently with each client. And that is not the case. At this point, if my issue is not resolved, I would have to escalate to BBB and The State Attorney 's office.
The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order None of the below inquiries have open/active accounts on my report nor were authorized and I would like them removed ASAP : -XXXX XXXX XX/XX/XXXX -XXXX XXXX  XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX  XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX  XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX -XXXX  XXXX XX/XX/XXXX -XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03
Company: U.S. BANCORP
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:
I called US Bank, for my XXXX mastercard, to try and get a credit line increase on XX/XX/XXXX ( to raise my credit score - as im soon to be refinancing my house ). They stated there may be a hard inquiry on my credit score, to which I responded " I do not authorize that '', and which the customer service representative replied " ok ''. 3 days later ( on XX/XX/XXXX ), a hard inquiry showed up on my report. I called to ask them to remove it, as I did not authorize it, and they claimed I did the request online, and that I did authorize it, even though the conversation was recorded. I explicitly said that I did not authorize it. I would like this hard inquiry removed please.

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 2018-12-03
Company: GREAT LAKES
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Great Lakes Education loan transferred my student lone to XXXX. However, XXXX states the balance is over {$12000.00} even after I have made payments to Great Lakes. I have contacted XXXX on more than one occasion about the amount they are reporting on my credit report and trying to collect from me. The amount of over {$12000.00} is incorrect. They received two loans from Great Lakes Education loan services in XX/XX/2018. At that point I have already made payments of XXXX ( {$1600.00} to collection fees, {$270.00} to interest and {$9900.00} to principal ). Every time I call, they ( XXXX ) states there's nothing they can do to call Great Lakes. I call Great Lakes they tell me to call XXXX. However, I did receive a detailed payment history from Great Lakes ( the original collection agency ). When I spoke with someone at XXXX ( multiple times ) and told them that I had it and could send it over they ( XXXX ) still stated to call Great Lakes, who told me call XXXX again. Not only is XXXX trying to collect an inaccurate amount but also, they are charging interest rates to an extremely higher than accurate amount This is stressful and damaging to my credit report and worthiness. I am unable to get a home loan for my family we desperately need or even a bigger vehicle since my family has double with the birth of my XXXX. I am aware the one or  both companies or in violation of " The Fair Credit Reporting Act " and " The Fair Debt Collection Practices Act ". I am feeling trapped and needs help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-01
Company: ONEMAIN FINANCE CORPORATION
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:
On yesterday, XX/XX/XXXX, I received the results of a dispute I submitted with XXXX where I asked the repository to check with OneMain Financial regarding the accuracy of their reporting regarding an account I settled with the lender back in XX/XX/XXXX. The terms of the settlement which was procured by the attorney 's office representing the lender ( XXXX XXXX XXXX, XXXX ) stated upon receipt of the agreed-upon settlement amount, the account would be deemed paid in full. However, OneMain has not maintained the agreement and has continued reporting to the consumer credit reporting bureaus that I owe them {$1200.00} ( which is the amount they waived when agreeing to the settlement ). I am asking for this tradeline to be reported accurately ( either deleted or reported as a XXXX dollar balance owed ). I have upheld my side of the agreement and I am only asking for OneMain Financial to do the same. There is no outstanding balance and I have no further obligation with the lender.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-22
Company: EQUIFAX, 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:
I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of Identity Theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Affidavit. Please delete the items as soon as possible. 

ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT WAS OPENED : XX/XX/XXXX ACCOUNT BALANCE : {$2700.00} ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT WAS OPENED : XX/XX/XXXX ACCOUNT BALANCE : {$920.00} ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT WAS OPENED : XX/XX/XXXX ACCOUNT BALANCE : {$1500.00} ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX ACCOUNT WAS OPENED : XX/XX/XXXX ACCOUNT BALANCE : {$1700.00} ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX ACCOUNT WAS OPENED : XX/XX/XXXX ACCOUNT BALANCE : {$980.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: Experian Information Solutions Inc.
State: FL
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:
My name is XXXX XXXX XXXX, There is no third party involved. I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting 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 2022-05-04
Company: Experian Information Solutions Inc.
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 is missing that should be on the report

Complaint:
I am a victim of Identity theft. I have enclosed my ID and Identity theft report proving it is in fact me that submitted this dispute.

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 2021-07-22
Company: Conduent Incorporated
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem with direct deposit

Complaint:
Incompetent customer service has locked me out of transfer of funds to my bank account. They promise to resolve the issue and to call back but never do. They have in their hands money that they refuse to transfer to my bank account, telling me go to the bank to withdraw it.They ignore the covid-19 restrictions and inconveniences of in person business dealing, necessary appointments etc. I have spent hours on the phone on hold and trying to get them to correct THEIR mistakes to no avail! I tried calling back the number from which the only potentially helpful rep, who did not call me back as promised, to receive the message the number is no longer in service! These are unquestionably the most incompetent, irresponsible, poorly trained representatives in decades I have ever dealt with. They messed up the account, effectively seized my money until I can get an appointment at the bank and are unable to do anything to correct their overreach. They have you on hold for so long that I must plug my cell phone into the computer to keep it charged to the end and hope that I do not exceed my minutes allotment. The ONLY way to get someone potentially competent to assist is to file a consumer complaint that will get their attention. Don't want bad press, just to deliver bad service. Saying customer service is bad, is paying them a compliment .Being on hold for 50+ minutes ( I was told others wait longer ) " appreciating your patience '' is just a way to get you to give up, hang up, go away. That is their idea of customer and attempting to solve a problem. Latest : Their customer service rep disabled my account and they say there is NO WAY for them to correct it. I must go weekly to the bank or an ATM during new covid restrictions and notwithstanding what my balance may be I can not move more than {$100.00} per visit!!!!!!!!!!!!!!!!!!!!!!!!!! They are effectively stealing my money by withholding or delay of payment for their investment profit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: EQUIFAX, INC.
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 is missing that should be on the report

Complaint:
I am a victim of Identity theft. I have enclosed my ID and Identity theft report proving it is in fact me that submitted this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Trans union refuse to validate student loan debt on consumers report, XXXX has finally followed the law, but Trans Union, ontinuously put information on my report that is not XXXX XXXX  accurate/valid.XXXX  in particularly, Ive disputed the allegations, charges occured in XXXX i was under the legal age XXXX to consent to any open credit. XXXX can not or has not provided the proper documentation to collect iff of me ; they used false information claiming I owe them, using my identity to collect interest payments or some sort ; i gave never made a payment to this company, false information ; provide evidence showing i made any payments to XXXX, XXXX XXXX XXXX ( XXXX ) ( XXXX ) ( XXXX ) are required by federal law to verify through physical verification original signed consumer contract bearing, i demand to see original proof of my authentic signature agreement w/wet ink ; otherwise anyone can create a bill statement and say i owe them ; If XXXX cant not provided this the must remove XXXX account ; not following law can result in penalties and criminal charges ; negative/invalid information on my credit report ; violations XXXX XXXX XXXX XXXX XXXX XXXX XXXX No credit card may be issued to, or open end consumer credit plan established by or on behalf of, a consumer who has not attained the age of XXXX.Trans union fails to follow the consumers laws XXXX XXXX has used my identity and say I owe them, false information, false representation of character amt, false representation that one is vouched by XXXX ; XXXX has also be saying late payments on one bureau but on time on another, all information is false ; XXXX has removed the invalid information i need all bureau Trans, XXXX to follow the law

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 2022-05-04
Company: World Acceptance Corporation
State: IN
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 been a victim of identity theft. I have reported this to XXXX several times and they wont remove the following items World Finance and XXXX XXXX XXXX. 
I have sent in police reports and Identity theft affidavit. They will not remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: EQUIFAX, INC.
State: IN
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 been a victim of identity theft. I have reported this to XXXX several times and they wont remove the following items XXXX XXXX and XXXX XXXX XXXX. 
I have sent in police reports and Identity theft affidavit. They will not remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-01
Company: AES/PHEAA
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I have acquired student loans through XXXX ( XXXX ) and XXXX XXXX school ( XXXX ) education. I have had multiple loan servicers including XXXX   XXXX, XXXX XXXX, XXXX, XXXX XXXX and now most recently FedLoans. I am currently in the PSLF program and have requested multiple times for over 2 years a count of my qualifying payments. Both of my employers through my residency program and XXXX XXXX XXXX are qualifying employers, but these 7 years worth of payments have not been counted appropriately. My payment plans have included IDR/IBR. It appears that with the changing of loan servicers my account had been put on multiple forbearance holds from XXXX, including administrative holds, to which I was unaware. This has negatively impacted my credit report and credit score as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THIS COMPANY HAS AN ACCOUNT ON MY CREDIT REPORT THAT IS NOT MINE/INACCURATE.

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 2018-12-03
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a Lowe 's credit card for in store purchases. It has a fairly high interest rate but the 5 % off purchases in the store make it worthwhile and I always pay off the balance within the month. I also take advantage of their interest free promotional periods for larger purchases. Sometimes, I balance multiple promotional balances as well as the regular interest bearing balance. I always payoff the promotional balance in the time allowed and within the stated rules to ensure I am not charged interest. During the time I have promotional balances I also ensure that I continue to payoff the regular balance to avoid interest charges on those as well. The website allows for users to choose how payments are allocated. My preference is to have the payments allocated towards regular balances first and promotional balances second. Once the preference is set it is an automated process to distribute the payments to the different balances. Over the years I have found a number of payments allocated in correctly. I reach out to their customer service representatives and they confirm that payments were allocated towards promotional balances first leaving interest bearing regular balances. They also confirm that my preferences are correct in their system and they have no explanation as to why the system has failed. I've learned that I need to double check the automated allocation process. Based on the number of times that this happens and their inability to fix the issue, it appears to me to clearly be a systematic attempt to defraud customers by incorrectly giving them interest bearing balances and charging them the 20 % + interest that comes with the regular balance. My most recent payment to them should have wiped out the regular balance entirely and pay down some of the promotional balance. Upon review of the account I found that there was still a regular balance.

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 2020-01-01
Company: Merchants Credit Corporation
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Merchants credit has called me multiple times before XXXX and I know that is against the law. This company would harass me by calling back to back up to 6 or more time daily and even called me at work, which is also against the law. After I told them I am not allowed to accept calls at work they continue calling, they even spoke to my supervisor who told them that I am not allowed to accept calls at work. I eventually getting in trouble for them calling me so much on my work phone. I have requested several times that they send me information regarding what they say is owed and to which company and they never provided that information which is also against the law. They have threatened to take legal action several times against me. The way that they talk to customers is ridiculous and sometimes needs to be done with this company.

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 2018-02-18
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Problem with renewal

Complaint:
We opened a 16 month CD account@ 1.5 % APR effective XX/XX/XXXX and maturing on XX/XX/XXXX. We were not notified by letter that the CD was about to expire or asked what option we wanted. When we realized that the CD had matured my wife went to the bank. They stated that since we did not notify them as to what we wanted to do they rolled it over to another 16 month CD with an APR of 0.03 %. She told them that we wanted to be notified by letter or email when this CD was maturing. They stated that they would inform us by letter when it was about to mature. 
In XX/XX/XXXX, my wife said to me that she thought that our CD should be maturing. My wife called the bank and they said that it had matured and they rolled it over again to another 16 month CD@ 0.03 %. When we asked them why they did not notify us by letter or email as we asked and they said that they would do they could not give us an legitimate answer. 
We decided to close all accounts with this bank and pay the mere penalty of 3 months interest. Then they hit us with the {$50.00} on top of that which could have been waived. 
We would have filed a complaint sooner but we did not know that it was a law that they had to notify us by letter. It was twice that they did not notify us.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: STERLING JEWELERS, INC.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Jared account was opened using my information. This is fraud. See attached FTC Affidavit.

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 2022-01-24
Company: Bread Financial Holdings, Inc.
State: SC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have already paid off what I charged on the account. One of the employees at the store added a person to my account and allowed them to charge my card. Now resulting in a unpaid huge balance as well as my credit score dropping and reflects it. I have contacted the company several times without it being resolved. I am asking it be cleared up and removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21
Company: Experian Information Solutions Inc.
State: MD
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: Investigation took more than 30 days

Complaint:
I have been disputing some items on my credit report consistently for almost six months now and I haven't received any results or response from XXXX  and Experian throughout this process. I'm really trying to progress forward in my life and there are items on my report that hinder this. I haven't received any response for them and it's frustrating because I can't get a home or even get jobs because of some of these accounts. Something needs to be done.

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