BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-16
Company: Experian Information Solutions Inc.
State: NJ
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:
Credit bureaus are refusing to remove inaccurate information on credit reports. Credit reports are showing inaccurate balance on closed auto loans. Inaccurately reporting vehicle as a repossession and voluntary repossession instead of just voluntary repossession. Reporting several missed payments when in fact it was only one missed payment. Ive disputed accounts several times and information still stands. Ive requested that the Credit bureaus provide methods of verification as it is my right to receive such information and theyve refused to do so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: Bread Financial Holdings, Inc.
State: TX
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 applyed for a credit card at XXXX XXXX which i have never recived, and i think somesody is using it. Screwing all my credit. What i think is that they sent it to a wtong address.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-20
Company: MARINER FINANCE, LLC
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Mariner Finance , LLC emailed me on Saturday, XX/XX/XXXX, stating that I had provided them with my personal information and that they would like to proceed with a personal loan application. Additionally, Mariner left me a voice mail today, XX/XX/XXXX, stating the same thing. I never contacted them or in any way provided them with my personal information pursuant to a loan. Following this phone call from Mariner, I returned the call and was directed to voice mail, where I left a message requesting them to cease and desist. It should be noted that I filed a XXXX  XXXX bankruptcy in XXXXXXXX XXXX that included a loan from Mariner. The bankruptcy was discharged in XXXX of that year. Mariner is a predatory loan company that is harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09
Company: JPMORGAN CHASE & CO.
State: ME
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
My husband and I have applied for a mortgage modification with Chase. After four months and hundreds of pages of requested documentation not to mention numerous conflicting requests, numerous statements by Chase customer service representatives that our file is ready for review, On the same day another request for more documentation comes. This is a frustrating and costly process for folks with low income but good credit. Are these banks hiding behind federal laws while requiring mountains of documentation only to have the original application " time out '' due to their inefficient process.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-31
Company: SYNCHRONY FINANCIAL
State: OR
Product: Credit card
Issue: Billing statement

Complaint:
I have an account with old navy & I recently moved I logged into my online account & updated my address a week ago I logged into my account today to check to see if my address was updated & when clicking on manage my account then clicking under address it tells me to call customer service this is not the first time this has happen they also put holds on my card or block my purchase 's where I had to send in information to verify myself due to me updating my address & number this is very inconvenient for me because it happen 's frequently I also been with them for a while & their denying me a limit increase my account is 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 2021-12-20
Company: Experian Information Solutions Inc.
State: DE
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:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

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 2022-10-15
Company: EQUIFAX, INC.
State: FL
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 XXXX Account # XXXX from XXXX XXXX XXXX  has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for a purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-23
Company: SYNCHRONY FINANCIAL
State: PR
Product: Credit card
Issue: Billing disputes

Complaint:
I WAS ADVISED TO BUY XXXX PARTS FOR THE JUICER THAT I NEEDED AS PART OF MY DIET FROM AMAZON FOR MY NUTIRBULLETS, THOUGH, BOTH NUTRIBULLET PARTS ARE THE WRONG SIZE FOR MY SMALL XXXX DEVICE AND WAS TOLD BY AMAZON.COM THAT THEY WILL SEND ME A RETURN PRE-PAID ENVELOPE TO RETUNR THE PART AND THE OTHER PART WAS FOR A REPLACEMENT BLADE GEAR OF A NUTRIBULLET, THAT I NEEDED TO BUY TO KEEP DOING MY DIET DRINKS AND RECIPES AS I HAD RECEIVED THE WRONG PART. 
THE BLADE GEAR IS THE WRONG SIZE, WHEREAS THE SHARP BLADE FOR THE SMALL NUTRIBULLET WAS NOT THE PART THAT I NEEDED. I ACTUALLY NEEDED THE BASE. BOTH PARTS WERE THE WRONG PARTS FOR THE NUTRI-BULLTES AND I HAD PURCHASED THEM THROUGH AMAZON CREDIT CARD. I HAD CONTACTED AMAZON AND THEY DID NOT REFUD ME NOR REPLACE THE PARTS AS I WILL LIKE THEM TO.

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 2023-01-03
Company: EQUIFAX, INC.
State: IL
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 XXXX Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX Account # XXXXXXXX XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account XXXX XXXX, and XXXX XXXX XXXX  Account XXXX XXXX has violated my rights.

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 2020-04-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ID
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:
XX/XX/2019 divorce was final. 
The credit cards that are showing on my report are not mine. 
They were ex spouses accounts only. 
The judge ordered the ex spouse to contact Capital One and to make sure I was not listed on those accounts so they would not show on my report. 
I have court documents showing this order. 
These large accounts are showing on my credit report, however, since they are not my accounts, Capital One will not speak to me. 
They were never opened by me. I had my own cards in my own name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Discovercard refused to verify me so I could activate my new card instead they used their trust and safety, department claiming that I need a phone number that is part of public record which is complete nonsense and none of the credit card companies have ever done this with requiring a phone number to be public record. 

Theres plenty of documentation to verify the consumer if Discovercard truly wanted to but they chose to give me the run around and it took countless calls and complaining about The lack of service provided to me. I dont appreciate people purposely impeding on my civil/financial rights to access credit. 

I had to threaten Discovercard with legal complaints just to get them to at least wan na verify me as a consumer this is clearly blatant discrimination and harassment. Incredibly XXXX illustration of denying women credit and men dictating and deciding if a woman should have credit or not- please note the decision was already made clearly I qualified for the card but now they dont want me to use it- its fine this is another example of performance and facts that dont matter it is the whims of egotistical men and their idiotic ideas- happy my credit is good and my payments are on none of that matters to Discover its about denying access.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-08
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Advertising and marketing

Complaint:
I have submitted a lifetime opt-out request about a year ago. I have since received numerous solicitations from citi ( XXXX XXXX, XXXX XXXX, SD, XXXX ). I have contacted them each time they send a solicitation informing them I have signed up for the " opt-out '' program and asking to be removed from all future contacts. They keep saying they will submit my information and remove me but obviously, they do not. Please tell me there is legal action I can take against them to hit them " where it hurts '' and get them to finally stop harassing me with these unwanted " offers. ''

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: EdFinancial Services
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
A request was made to ED financial to refund the amounts paid during the COVID pandemic on XX/XX/2022. 

I have yet to receive a refund, nor have I even received a time frame for expected refund. 
It has never taken any company that Ive dealt with, more than 4 weeks to process a refund. 

This appears to be common complaint online regarding ED financial services- Mishandling of refund requests, delay in refund submission request, delay in processing refunds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I previously requested that you, the CFPB, investigate into a matter on my behalf, and I believe that I did not receive a fair and equitable solution with regards to confidentially or accuracy per 15 U.S.C. 1681 ( b ). Equifax has stated to me, and you the CFPB, that they have " verified '' that the disputed information belongs to me, and that the information reporting is 100 % truthful and accurate. I disagree with said results. By the way, I never consented to E-Oscar verification, and do not consent to E-Oscar being used as a method to verify information going forward. I would also like to now request any and ALL physical documentation that Equifax used to verify the following disputed information for : XXXX XXXX XXXX XXXX XXXXXXXX. XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( SAME ACCOUNT REPORTING TWICE!! HOW?! ) ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX. I also previously informed you that Equifax ignored me, and did not respond to multiple disputes upon proof of receiving them. 15 U.S. Code 1681i is the most basic law out of all, and they did not follow this. That alone is grounds for removal of the disputed information!! Equifax did not decide to move forward with my disputes until I involved you, the CFPB, to handle my request. I also informed you, the CFPB, as to which laws were being violated, as well as the reasons why, yet, you did nothing. I also informed both you, the CFPB, and Equifax, that my private nonpublic information is being shared with Equifax by these financial institutions and collection agencies, -which I did not consent to. This is against the law! You did nothing to ensure the protection of my personal information! There were several violations, but you, the CFPB did not have Equifax remove the data for any of those reasons!! How could Equifax be following the law when companies like " XXXX XXXX XXXX XXXX', " XXXX XXXX XXXX '', AND " XXXX XXXX XXXX  '' are still reporting!? Explain to me how they also obtained my personal information!! How did they obtain my social security number and other data to be able to furnish information onto my credit report??? Who gave it to them? Where is the documentation? CFPB, why are you allowing this to happen??!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: EQUIFAX, 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:
I have filed a dispute in regards to the incorrect items on my credit report. it has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: EQUIFAX, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Equifax refuses to give me a free credit report. They are trying to sell products on the website and will not give me an online report like the other two credit bureau. They have a form for submission ; however, the information they want is prohibitive, equivalent to applying for a mortgage. I need my report ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I have been a victim of identity theft for several months. Each month I get a credit report now to ensure that everything is correct and accurate. In XX/XX/2020 I received all three credit reports and there were several fraudulent information. I sent a package to all three credit agencies stating what information was fraudulent. In XX/XX/2020 I received a new copy of all three credit reports and some of the old information was still on the reports plus there was a new account. I sent all three credit agencies a new package listing all of the information that was being reported incorrectly and that was fraudulent. I have not received my XX/XX/2020 report as of yet but from what I can see on the agencies website the information is still on my report and nothing has been done to remove it. I have attached a copy of both packages I sent in XXXX and XXXX, a copy of my driver 's license for address verification, a copy of ssn card  for identification, and a copy of my identity theft affidavit.The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. I have not obtained possession of goods, services, or money as a result of the blocked transaction or transactions. Also, I have not authorized these transactions or authorized anyone to use my information to open these transactions. It is the result of identity theft. 

Fraudulent information : Installment Accounts : XXXX XXXX XXXX XXXX , XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I got a capital one credit card and I didn't know I needed to pay the money back

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: EQUIFAX, INC.
State: MI
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:
Acting on behalf of my grandson XXXX XXXX XXXX XXXX XXXX  years of age who is currently in my care as I am his legal guardian, I have attempted on 2 occasions to obtain his credit report by Equifax in XXXX Georgia XXXX My grandson is a victim of Identity theft by his own Biological Mother, XXXX XXXX who has mixed the names and social security numbers of both my Son XXXX XXXX XXXX and my grandson XXXX XXXX XXXX XXXX Please see letter that is attached to this complaint. I had written Equifax in XX/XX/2022 requesting my grandsons information as power of attorney at that time. Please see their response which explains mix matched information and they would require addition information to provide his credit history. I had written another letter to Equifax in XXXX, providing all of my demographics and my grandson that was requested. I received a response back from Equifax dated on XXXX XXXX providing a different name of XXXX XXXX and stating that I should mail a request to XXXX XXXX. This appears to be Equifax attempt to blatantly hide my grandsons credit information. I can never get anyone on the phone or speak to a live representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: Experian Information Solutions Inc.
State: TX
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:
On XX/XX/XXXX the XXXX XXXX XXXX flagged my credit report with XXXX debt which is out of network and I was not notified. 
This is a violation of my rights of the No Surprise Act of 2021

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 2021-12-20
Company: Genesis FS Card Services, Inc.
State: GA
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:
On XX/XX/2021, I realized that two duplicate payments of {$370.00} is showing on my Transaction billing and payment history for my Indigo Genesis FS Card Services account. Please see attached :

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: EQUIFAX, 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:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07
Company: Resurgent Capital Services L.P.
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
The debt documented in the Public Record, XXXX and owned by LVNV Funding LLC has been satisfied, Settled in Full. Documentation is attached. Credit report continues to show public records as unsatisfied and the lien has not been released.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-19
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This debt is over seven years old. I have talked to them and asked them to remove it. They informed me that while they could not sue me after two years for the debt, they could report it for as long as they wanted. I went on line and verified that this was untrue. I then pointed this out to them, and they told me that it had been sold to them and that the debt date had started over. Many years ago when I bought this TV from Cons, I bought a warranty that covered physical as well as technical damage. When the TV sustained physical damage, they would not honor the warranty yet wanted me to still pay for the TV. The tricked me many times into making a payment, promising me to have the TV repaired. After I would make the payment I would not hear from them until it was time to make another payment. This went on for sometime, until I got tired of going around in circles. I also found out that I was not the only one dealing with this sort of thing from Cons. There is a blog on line in-regards to customers going through the same thing. If you ask them to let you listen to past conversation, which they claim to have recorded, yet can never remember the promises they made to me, it will backup my complaint. Thank you for any help.

Company response to consumer: Closed with explanation