BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-13
Company: The CMI Group, Inc.
State: LA
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:
These are old accounts I've been XXXX for the last 6 years those should have been off of my report I've been disputing and they've just updated information as if its new and its not

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-09
Company: OneMain Finance Corporation
State: MN
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Was approved for a loan, but didn't receive money

Complaint:
XX/XX/21 Previously applied and approved for vehicle title loan. Signed all company documents and was sent away with out money for loan. 

Subsequently, told by One Main Financial that I needed an updated deed to reflect XXXX XXXX as lien holder. I did so and have attached the correct lien. 

Later told by XXXX and XXXX that they wouldn't deal with me as I filed a complaint with the CFCB.. This feels discriminatory and retaliatory in nature. I qualified and able but they now refuse service.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The following companies ran unauthorized credit inquiry on my credit report. Please remove them asap as these are suspicious to me : XXXX XXXX XXXX XXXX, XXXX and 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 2017-04-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
This fraudulent account. Someone open account XXXX card.It was remove credit reports now capital one sold the account its back on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11
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:
Equifax ; XXXX  and XXXX  are reporting an unsubstantiated claim by XXXX XXXX XXXX XXXX Apartments a collection in the amount of {$3100.00} partial account number ****XXXX. ( Please see page attached from my credit report. ) I vacated the apartment complex within the terms of lease. I did not renew the lease. Prior to leaving, I spoke directly with the property manager and returned my keys. I asked specifically if there were any additional items that needed to be addressed and I was told there was nothing else ; I was told I would be getting my full security deposit back ; and I remember them wishing me good luck as I left the main office. It was only until I obtained a copy of my most recent credit report did I discover there was a collection. I was not aware of any collections or money owed to the apartment complex because I never received an itemization. In fact, I never had any communication from them. I do not now, nor did I in the past, have any outstanding debt with XXXX XXXX  XXXX XXXX Apartments. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-02
Company: Patenaude & Felix A Professional Corporation
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
They have levied my account multiple times. Collected more than the debt itself. They 're charging interest on interest. They never show me statement nor receipts on the initial account. I never get proper response. I need to SEE receipts and records.     If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, please provide an itemization showing the dates and amount of each added amount. In addition, if you can explain how are the interest, fees or other fees added.     I wanted to learn more about my case and they told me I can work on a payment plan to close debt. But they keep levying my accounts without understanding my situation.     Please identify last payment made to this account.   Use this method as my only form of contact regarding the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02
Company: SYNCHRONY FINANCIAL
State: NV
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
While shopping for furniture for my home I opened a Credit Account wit h " Ashley Advantage /  Synchrony Bank '' and was granted a {$10000.00} Credit Limit by the store. This occurred in  XX/XX/XXXX . At the time I ordered some furniture that would NOT fit in the home I was living in. I opted to wait until I moved to my larger home and order furniture. On  XX/XX/XXXX  I went back to my neighborhood Ashley Furniture Store and ordered {$7500.00} worth of furniture from same ( well within my {$10000.00} limit ) I put down {$590.00} as my Sales Associate insisted I at least pay more than the taxes on the bill - leaving a {$7000.00} balance. When the " account not found '' error came up at the register in the Ashley Store I was dumbfounded! The Customer Service desk phoned Synchrony Bank and after several go-rounds with the Customer Service people at Synchrony I was HUNG UP ON ( several times. Synchrony refuses to speak with me - and closed the account without my knowledge or consent on  XX/XX/XXXX  No notification was given and no reason for the account being closed! I was redirected to a Kiosk to re-apply for credit AND was DENIED. Their alternative credit lender is a much higher interest rate company called " Genesis '' and the limit was only {$2000.00} which will not accomplish the objective. Synchrony never notified me this account was closed. I have NO LATE PAYMENTS on my credit and now the additional inquiries to lower my scores. Please assist me. This company should not be allowed to run over consumers who are doing the " right things '' with their credit and finances! Making me go to another lender at 29.99 % is most definitely usury. Damaging my credit with extra credit pulls only makes the situation WORSE. How could I go from being eligible and approved at {$10000.00} to Zero approval in this time-frame. Something is not right. AND non-notification is surely illegal. Please assist me.
<P/>
I just turned   XXXX   on  XX/XX/XXXX . They closed my account XX/XX/XXXX . Is this age discrimination???

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 2019-12-11
Company: Experian Information Solutions 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:
XXXX  ; Experian and XXXX  are reporting an unsubstantiated claim by XXXX XXXX XXXX XXXX Apartments a collection in the amount of {$3100.00} partial account number XXXX. ( Please see page attached from my credit report. ) I vacated the apartment complex within the terms of lease. I did not renew the lease. Prior to leaving, I spoke directly with the property manager and returned my keys. I asked specifically if there were any additional items that needed to be addressed and I was told there was nothing else ; I was told I would be getting my full security deposit back ; and I remember them wishing me good luck as I left the main office. It was only until I obtained a copy of my most recent credit report did I discover there was a collection. I was not aware of any collections or money owed to the apartment complex because I never received an itemization. In fact, I never had any communication from them. I do not now, nor did I in the past, have any outstanding debt with XXXX XXXX  XXXX XXXX Apartments. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

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 2017-06-02
Company: SELECT PORTFOLIO SERVICING, INC.
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been trying to short sale my home with SPS since  XXXX / XXXX / XXXX . The short sale has been denied multiple times for " missing documents '' despite the fact that I have resubmitted the documents multiple times. Most recently, the short sale was denied on  XXXX   XXXX ,  XXXX . The file was re-opened on  XXXX   XXXX  and I submitted the required documents.  SPS  requested my updated paystubs and bank statements. On  XXXX   XXXX , I submitted my former employer 's letter of employment showing I was laid off in  XXXX   XXXX  and not currently employed. A phone call was made to SPS on  XXXX   XXXX ,  XXXX . I was advised that the file was  COMPLETE  as of  XXXX   XXXX  and had been forwarded to underwriting for a final decision in 30 days. On  XXXX   XXXX , another phone call was made. SPS advised they had approved me for a loan modification. I am unemployed, how am I supposed to make any payments? This is the reason I 'm pursuing a short sale. I followed up on  XXXX   XXXX . I was told by SPS that my short sale was DENIED on  XXXX   XXXX  for missing documents. What documents? They told me the file was complete as of  XXXX   XXXX . They never requested any documents on my follow up phone calls  XXXX   XXXX  or  XXXX   XXXX .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02
Company: STONELEIGH RECOVERY ASSOCIATES, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I received a call from Stoneleigh Recovery Associates XXXX XXXX XXXX XXXX XXXX, IL XXXX. A " XXXX XXXX '' left me a message to return his call at XXXX, The call was spoofed as " XXXX '' I guess to appear as a local number so I would answer. I returned the call and talked to XXXX XXXX and he advised me it was a an attempt to collect on an old XXXX XXXX credit card debt. I advised him I did not wish to speak to him about and and asked he not call me any more and he kept pushing me telling me to handle my responsibilities, get out my check book and the whole nine yards. he just refused to accept that I did not want to speak to him. My issue with XXXX XXXX is between myself and them. If they have chosen to sell the debt some day i may be able to resolve it. My complaint is this guy just continued to badger me over and over. He claims it was recorded. Please ask for the recording. the call was from XXXX which is my cell phone and i was at work. I do n't believe that spoofing numbers is allowable under the FDCPA Section 807 : A debt collector may not use any false, deceptive, or  misleading representation or means in connection with the collection of any debt. I also think that the continual repetition of " taking care of my obligation, get my check book '' and general attempts to badger me simply because I refused to talk to him could be construed as a violation of section 808 as well : A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt.
<P/>
I want the calls stopped and I want an investigation into the violations I cited above

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-26
Company: EQUIFAX, INC.
State: OH
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:
In accordance with the Fair Credit Reporting act the following company & accounts have violated my rights ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: Credit Plus Inc
State: GA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have two hard inquiries on my account less than 30 days apart from the same company and this is affecting my score. This is shown multiple times but it was a one-time authorization check.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
Equifax refuses to delete multiple unauthorized inquiries from my credit report. There are multiple inquiries from the same company. The unauthorized inquiries must be deleted.       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   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   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11
Company: CULLEN/FROST BANKERS, INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I attempted multiple times to correct an error in a closed account that was reported to the three credit monitoring agencies. After opening an account at a different bank, I used the remaining balance and threw the debit card in the trash. This was apparently picked up and then used multiple times without my knowledge. Transactions that never should have been approved were up and until the amount exceeded $500 in charges. Final bank statements are included in this complaint. The overdraft fee dsclosure that clearly shows me opting out of overdraft services is attached. And finally, the bank's own disclosure regarding overdraft fees in which it states "if we do not authorize and pay an overdraft, your transaction will be declined" is include, meaning by its own admission, none of these purchases should have been authorized at all. Yet they were and then were reported to the credit agencies.The bank is in violation of 12 CFR § 1005.17, in violation of our contractual agreement regarding overdrafts, and in violation of its own stated policies. This debt is illegitimate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: Experian Information Solutions Inc.
State: VA
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:
Where to start .... I have an in accurately reported S.S #. Experian deleted without authorization an account that was in very good standing and reported as such! The account that was deleted and their refusal to fix/rectify the problem has DRASTICALLY affected my FICO Score. I even contacted the original creditor who in turn told me that Experian has to fix the problem and that they ( creditor ) couldn't not do anything on their end, because the account was paid in full and then closed! Experian has refused time and time again to DELETE incorrect collection accounts, because their justification is that it is tied to an address I have never lived at. The address is a Commercial Property that they have listed as residential. Again, I have never been associated with. Experian is also failing to include new accounts in good standing stating that it's not their problem it the company that reports. When I have spoken to the reporting companies, it's protocol to report to all 3 Credit Reporting Bureaus, because they are Credit Builder accounts. Experians point scoring is either significantly LOWER than other agency 's or SCORING NEVER CHANGES!! Experian is also reporting Medical items/charge offs/deliquencies that should not be reported at this current time!! They are purposely ham-stringing citizens and preventing them from squirting credit, because of TERRIBLE/INACCURATE REPORTING! PLEASE INVESTIGATE EXPERIAN.

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 2017-06-02
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: Credit inquiries on your report that you don't recognize

Complaint:
On  XXXX  I ran my credit in the hopes of purchasing a home. When I obtained my credit report I noticed there were inquiries on my report I did not authorize. The inquiries were dated back to  XXXX . I called  XXXX ,  XXXX , and Experian to advise that I had a fraud alert placed on my account back in  XXXX  and no one is authorized to run my credit unless I authorize it. Each credit bureau advised me that I would need to file a police report to have inquiries removed. On  XXXX / XXXX / XXXX  I went to the police department to file a police report. Th e officer  called each credit bureau to advise of the report and unauthorized inquiries. They have refused to remove these unauthorized inquiries despite me having a police report and following the protocol I was given.

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 2017-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
On  XXXX  I ran my credit in the hopes of purchasing a home. When I obtained my credit report I noticed there were inquiries on my report I did not authorize. The inquiries were dated back to  XXXX . I called  XXXX , Transunion, and  XXXX  to advise that I had a fraud alert placed on my account back in  XXXX  and no one is authorized to run my credit unless I authorize it. Each credit bureau advised me that I would need to file a police report to have inquiries removed. On  XXXX / XXXX / XXXX  I went to the police department to file a police report. The  officer  called each credit bureau to advise of the report and unauthorized inquiries. They have refused to remove these unauthorized inquiries despite me having a police report and following the protocol I was given.

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 2017-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
XXXX   XXXX   IS REPORTING  2 COLLECTIONS ON MY CREDIT REPORT ONE  IS FOR  XXXX  OPENED  XX/XX/XXXX . AND ONE FOR  XXXX  OPENED   XX/XX/XXXX .  I HAVE NOTIFIED   XXXX   XXXX   AND LET THEM KNOW I WAS A VICTIM OF IDENTITY THEFT IN THE PAST. I SENT A LETTER TO THE CREDIT BUREAUS AND FORWARDED A COPY OF THE POLICE REPORT AND IDENTITY THEFT AFFADAVIT TO THE COLLECTION AGENCY AND TO THE CREDIT BUREAUS. I ALSO HAVE A ACCOUNT WITH  XXXX   XXXX  FOR  XXXX  OPENED   XX/XX/XXXX .   I HAVE NO KNOWLEDGE OF THESE WIRELESS ACCOUNTS. IF MY IDENTITY HAS BEEN COMPROMISE IT IS THE RESPONSIBILITY OF THE CREDIT BUREAUS TO REMOVE ANY NEGATIVE INFORMATION FROM MY CREDIT REPORT AS A DIRECT RESULT OF THE IDENTITY THEFT. THE COLLECTION AGENCIES HAVE FAILED TO RESPOND TO ME DIRECTLY AND THE CREDIT BUREAUS SAY THE COLLECTIONS ARE BEING VALIDATED.

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: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I really hope you can help me, there is inaccurate information on my credit report. Because i'm not sure what information you require regarding each account, i have enclosed a copy of my credit report with the incorrect items circled, and my explanations written right next to them. Please update the information to show PAID IN FULL, never late, or delete the item from my report as soon as possible. Thanks for your help! 

XXXX XXXX XXXX Date Opened>> XX/XX/2016

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: U.S. BANCORP
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
While negotiating loans, if the loan officer from U.S. BANK says- I understand people from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX try to bargain pricing on the street bla bla bla ( didn't want to hear any more ). No matter whether its racism or not, I felt super offended after hearing this from the loan officer from US Bank

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