BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-03
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME 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 non-monetary relief
Consumer complaint received 2022-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
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 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 2017-08-20
Company: Phoenix Financial Services LLC
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I recently saw on my credit report that I owe XXXX XXXX XXXX XXXX {$1200.00} for medical bills. However I received a letter from Phoenix Financial Services LLC on XX/XX/XXXX saying I owe {$1200.00} to XXXX XXXX XXXX XXXX. I did an investigation and found out that the original creditor is XXXX XXXX XXXX XXXX which is Located in XXXX XXXX, Louisiana. The letter also states that the date I use the facility was XX/XX/XXXX. I have n't been to that facility and I had a full coverage insurance because of my XXXX that 's from XXXX. Also to add I was receiving calls from one of those company and I did explain to them that I did n't owe any money to them and if I do they should send it to my insurance company but they wanted me to do a payment plan and pay out of pocket.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
1. Pursuant to 15 US Code 1666b of the Consumer Credit Protection Act A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose As per 15 US Code 1666b of the Consumer Credit Protection Act, I find that Capital One Bank has been violating my consumer credit rights since XXXX of XXXX by continuously reporting late payments to my consumer credit reports. These violations have and continue to occur a total of 4 times across all three major credit reporting agencies. I hereby invoke my consumer credit rights and demand the removal of all reported late payments from my consumer credit reports immediately. This includes but is not limited to XXXX, XXXX  and XXXX. 

2. Pursuant to 15 U.S. Code 1681 ( a ) ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. 

This demand to remove letter hereby serves as written instruction to Capital One Bank to remove any all reported late payments from my consumer credit reports and files.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 A PUBLIC RECORD ON MY REPORTING THAT SAYS I FILED CHAPTER XXXX BANKRUPTCY AND CHALLENGED IT AND IT CAME BACK VERIFIED. INFORMATION FOUND FROM THIRD PARTIES CAN ALSO BE INCORRECT AND I HAVE NOT FILED FOR BANKRUPTCY. IT IS PLENTY OF PEOPLE NAMES ASSOCIATED WITH THE SAME NAME AS ME AND THIS IS A MISTAKE ON THE CREDIT BUREAU PART AND NEED TO BE DELETED. I HAVE CALLED THE RECORDS CLERK LISTED ON MY CREDIT REPORT AND THEY SAID THEY HAVE NO KNOWLEDGE OF ME EVER COMING INTO THERE OFFICE AND THE INACCURATE INFORMATION NEEDED TO BE DELETED.

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 2022-08-25
Company: CITIBANK, N.A.
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I contacted CitiBank regarding a fraud alert on my Sears XXXX on XX/XX/22. I was asked to provide a phone number so I could receive a call back. I gave my phone number and never received a phone call back. I called back and was told my number was not verified. They would need to mail a letter. My contact information is current on my account, including the phone number that I gave them to give ma call back. Still nothing. My account is locked and I have to wait for a letter in the mail.

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 2022-07-06
Company: LEXISNEXIS
State: NC
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:
XX/XX/22 sent a letter letting LexisNexis Consumer Center is in violation of my rights. 15 usc 1681b. They sent a email saying they need me to send in my driver license and a bill. I sent that with the letter. I also have the letter from the courthouse saying they do not give out personal information. Rule 9030 of the Federal Rules. I spoke to a person from LexisNexis Consumer Center on 7/6/22 her name is XXXX employee # XXXX and she viverified my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I did a balance transfer from this credit card company ( Capital One ) on XX/XX/XXXX and the balance is still showing as of today XX/XX/XXXX. The card that I transferred the balance to is also showing the balance. Therefore, I now owe double on my credit file and it has affected my score. I contacted customer service and spoke with a " XXXX '' and he seemed confused by my questions of why I am still showing a balance. He thought I was asking to apply for an additional credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I did a balance transfer from this credit card company ( Capital One ) on XXXX and the balance is still showing as of today XXXX. The card that I transferred the balance to is also showing the balance. Therefore, I now owe double on my credit file and it has affected my score. I contacted customer service and spoke with a " XXXX '' and he seemed confused by my questions of why I am still showing a balance. He thought I was asking to apply for an additional credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-19
Company: Resurgent Capital Services L.P.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I did a balance transfer from the credit card in question on XX/XX/XXXX and as of today XX/XX/XXXX the balance is still showing on my on-line profile and the credit card that I transferred the balance to is also showing a balance. As a result I owe double on my credit file and it has affected my score. Also, I ca n't call customer service to request to close the account. It must be done by mail. Therefore ; I did so on the same day of the balance transfer, but the card is still open.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: American Credit Acceptance, LLC
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: Account information incorrect

Complaint:
Account is closed and balance showing on credit is incorrect

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28
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: Account status incorrect

Complaint:
I was trying to refinance my property so I consolidate my bills. XXXX XXXX is showing up on all three Credit Bureau as late but when looking at my payment history on their website there is nothing on there that reflects late. XXXX XXXX automatic pulls the money out of my bank account on the due day, never got a phone call, email, or letter stating I am past due.I also do not see were a late fee was ever charged. 
Because of this, it has caused me to be denied credit for inaccurate information and dropped my XXXX score by over XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was less than 60 days past due on my payment but the company reported me 60 days past due. I called the call center on XX/XX/XXXX. I gave my husband verbal authorization to speak to the agent. The agent explained to us that their company only reports negative reporting when an account is 60 days past due. The agent confirmed that the XX/XX/XXXX payment was made on theXX/XX/XXXX. The payment that was due on XX/XX/XXXX was paid on XX/XX/XXXX. We made a payment on XX/XX/XXXX it was returned, and that was our fault, thus the XX/XX/XXXX payment remained outstanding, once we became aware that the prior payment was returned, we paid it again when we paid the entire balance on XX/XX/XXXX. All these due dates and payments as described here are not in dispute with the credit card company or us. The dispute arises when the agent explained that the XX/XX/XXXX payment, which was not made until XX/XX/XXXX, was actually 60 days past due based on the billing cycle. That is wrong, I can't wait for them to pull out some fine print to somehow explain that a due date printed on a statement is not really the due date. Once I get whatever answer that I can not even conceive of, then I will move to phase two of this complaint on how deceptive a practice it is to have a due date not really be the due date.

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 2022-07-06
Company: EQUIFAX, INC.
State: SC
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 disputed a charge-off/collections account on my credit report on XX/XX/2022 via certified mail. The amount was {$91.00}. This information was sent to all 3 Credit Bureaus, XXXX XXXX, and XXXX deleted the account. Equifax has not placed the account in dispute, or acknowledged my request. They have yet to respond to my inquiry and it has been well over 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-19
Company: AMERICAN EXPRESS COMPANY
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:
OnXX/XX/XXXX, an online order was placed with XXXX XXXX for movies. I used my American Express card for payment. On or about XX/XX/XXXX, a neighbor indicated returned items in open box with two movies were left at her door. On XX/XX/XXXX, I called XXXX XXXX  customer service reporting not receiving stolen items and tampered items in box. The call was recorded as evidence. XXXX XXXX own documents support stolen items indicating " left with woman '' and it should be noted at a wrong address. See attached XXXX XXXX  documents. On XX/XX/XXXX, I called American Express to dispute charges. See attached letter datedXX/XX/XXXX OnXX/XX/XXXX, I returned two movies and reported stolen items to XXXX XXXX  store employee. I also showed as evidence tampered box. See attached receipts and XXXX XXXX documents. OnXX/XX/XXXX, I received American Express response with documents from XXXX XXXX supporting my position of stolen items to unknown woman and delivered to wrong address. On XX/XX/XXXX, I spoke with XXXX from American Express. I indicated to him of the wrong address and delivery to unknown woman. I also indicated I never received my order from XXXX XXXX. XXXX refused to dispute the charges and indicated my charges would not be credited. XXXX  also refused to credit the returned items showing XXXX XXXX had received the returned items. He advised me regardless I would have to pay the total charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-03
Company: CAVALRY INVESTMENTS, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This company did not send letters advising of their attempt to collect debt from me. Furthermore, I searched the Texas Secretary of State website for the Collections Agency, and found no indication that they acquired the surety bond required to collect debt as a third party in accordance to Texas Fin. Code 392.402.404.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-19
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I have several credit inquiries I did not authorize and they were illegally made in my name and asking that they be removed I have sinced added a fraud alert on my credit report as I thought I had one placed on my credit report.I do n't understand how this many inquiries does n't causes a red flag with the credit bureau.I live in a XXXX bedroom apt with XXXX people so I need verification that " I '' made these inquiries because having my address does n't prove that. Did " I '' authorize these inquiries???? 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 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 2022-07-06
Company: Lloyd & McDaniel, PLC
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Llyod & McDaniel purchased a debt from XXXX Bank in XXXX. The alleged debt was opened in XXXX and the last payment was made in XXXX. The debt was charged off by the company. I had no knowledge of alleged debt at the time and did not pay attention to credit reporting, if it was there. I went to court and advised plaintiff that the debt was not mine. Judge ordered fraud packet, which I completed, however they are claiming the debt to be mine and they are pursuing further actions. This is not my debt, and I would have never charged this amount at this specific store, and I still have an account with the store. They are not producing any proof, other than a statement with a different address than mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: FULTON FINANCIAL CORPORATION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was supposed to receive a call back last week about deferment or repayment options after the rep received clarity. Never received a call back call on XX/XX/2022 the line for the forbearance team did not ring just silent I called back twice..

The third time I called back I held for 58 min and got customer service and was advised someone would call me back in XXXX hours I do not receive a call today. I called back today in XX/XX/2022 phone for forbearance department still has not rang. I would like to resolve this as soon as possible.

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 2017-08-19
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: Credit inquiries on your report that you don't recognize

Complaint:
I have several credit inquiries I did not authorize and they were illegally made in my name and asking that they be removed I have sinced added a fraud alert on my credit report as I thought I had one placed on my credit report.I do n't understand how this many inquiries does n't causes a red flag with the credit bureau.I live in a 3 bedroom apt with 8 people so I need verification that " I '' made these inquiries because having my address does n't prove that. Did " I '' authorize these inquiries????
XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX, XX/XX/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/ XXXX XXXX XX/XX/XXXXXX/XX/XXXX/XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-19
Company: Nations Recovery Center
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Debt company trying to collect the debt which has any right to do so. Same debt previously has been tried to be collected by multipple different companies, with each of them failing to validate the debt or prooving to be the rightfull executor of the debt. Letters of validation, as well of cessing any communication will be send to the collector. If company will still harass me in any way, I wo n't hessitate to take legal actions against them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-06
Company: Bliksum, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Today, XX/XX/2022 at approximately XXXXXXXX XXXX. XXXX, I called the company to make a payment of {$110.00}. ( Their website for processing payments is repeatedly not working, and when it does, it defaults to posting the payment no sooner than two days from today. That is how they incur additional interests on the loan ). 

Today the agent took my debit card info and then provided me with a confirmation number for a payment of {$290.00}. Again, it was supposed to be a payment of {$110.00}. She apologized for her mistake, put me on hold for approximately 12 minutes, then came back on the line and said " hello, hello, hello '' then disconnected the call. I called back and spoke with a supervisor by the name of XXXX, who informed me he was made aware of the situation and the agent will be held accountable for making the mistake. However all he could do is " apologize ''. I told him the call with the agent is recorded and he could listen to what happened. He/they refused to cancel the transaction or refund the money, until it posts as final to my bank statement 4 to 5 days later. In the meantime I am going to incur overdraft fees and NSF fees from the bank and other merchants. 

This is theft. And I am incurring substantial fees because of their theft.

Company response to consumer: Closed with explanation