BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-11
Company: Experian Information Solutions Inc.
State: NM
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:
Experian is not responding to any of my requests to investigate and remove accounts from my credit report that do not belong to me.

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 2021-10-27
Company: OneMain Finance Corporation
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
OneMain Financial has called my grandmother & I on multiple occasions to collect debts in which we do not owe! My sweet grandmother is currently on bed rest with a XXXX XXXX from XXXX and I do not appreciate this company bothering us with unnecessary calls! The lady who called me had an unpleasant attitude when I answered the phone and had an even worse demeanor when I inquired about her identity. She proceeded to ask me if I knew the whereabouts of XXXX XXXX. This a violation of Title 15 U.S.C. 1692c ( b ) ( Communication with Third Parties ) because I have not, nor has my grandmother, consented to or authorized any form of communication with OneMain Financial. Mr. XXXX surely did not list our names or phone numbers as a references for this company to contact so I would like to know how and where they retrieved or phone numbers. After I asked the lady to identify herself again, she hung up on me without answering my question and that was a violation of Title 15 U.S.C 1962b ( 1 ) ( Acquisition of Location Information ). On XX/XX/2021, I managed to capture a screenshot of one of the calls from OneMain Financial and I will attach that photo with this complaint. According to Title 15 U.S. Code 1692k ( Civil Liability ), the debt collectors who call our phones are violating two of our rights in Subchapter V. ( Debt Collection Practices ) and should be held liable for damages! OneMain Financial Group LLC is also not registered in the State of Florida with the NMLS which is a violation of Title 12 C.F.R. 1008.103 ( Individuals Required to be Licensed by States ), so there is no way I am going to tolerate such behavior from this business!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 disputed in XXXX unauthorized inquiries and multiple accounts that are not mine and several others that I was never late on. I never received a full letter of explanation on how this was verified. I wrote a letter with the FCRA statue 611 and 615 and they completely disregarded my request. I believe they did not comply legally so I am insisting the credit I am disputing should 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 2017-06-15
Company: EQUIFAX, INC.
State: NY
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   XXXX   XXXX   XXXX   XXXX   XXXX , NY  XXXX  (  XXXX  )  XXXX   XXXX  XXXX  XXXX  SS #  XXXX  Equifax Re : unauthorized inquiry To Whom It May Concern : I would like to dispute an unauthorized inquiry from  XXXX   XXXX   XXXX  which was made on  XXXX  / XXXX /2016. I checked my credit report, which I acquired from Equifax.   I have contacted  XXXX   XXXX   XXXX , who conducted the inquiry, and asked them to remove their credit inquiry from my credit report. I request that you initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. Once the investigation is complete, I request that you remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. Can you also send a summary of the procedures used in your investigation?   Thank you for your assistance in this matter, Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-10-03
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: Information belongs to someone else

Complaint:
Theres a fraud account from XXXX showing on my credit report that needs to be Delete and XXXX Inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15
Company: EQUIFAX, INC.
State: NY
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   XXXX   XXXX   XXXX   XXXX   XXXX , NY  XXXX  (  XXXX  )  XXXX   XXXX  XXXX  XXXX  SS #  XXXX   XXXX  :  XXXX  account  XXXX  Equifax To Whom It May Concern :  I c ontinue to dispute the validity of this account I request that the account be deleted from my credit report. Can you also verify and forward me the method of verification? Can you notify me of the outcome of this correspondence?   Thank you Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a medical collection bill in  XXXX  addressed to  XXXX   XXXX , I contacted  XXXX  on  XXXX  and spoke to  XXXX  who advised they need to resubmit the bill as  XXXX   XXXX .   Since then I have received several calls from  XXXX . When I mention the bill needs to be resubmitted they say it was resubmitted, however the bills they send me still say  XXXX   XXXX .   On  XXXX   XXXX ,   XXXX   around  XXXX  I faxed a copy of an E.O.B advising  XXXX  that this bill was paid. Fax was sent to  XXXX ,  XXXX  and  XXXX  On  XXXX   XXXX    XXXX  , around  XXXX  AM my husband spoke to  XXXX  who advised it would take 3 days to processif it had been received.   On  XXXX   XXXX , around  XXXX  my husband called back to confirm receipt, she spoke to  XXXX   XXXX  who advised him to call back on  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 2020-10-07
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I applied for a COVID waiver for my Shell card issued by Citibank in Mid XX/XX/2020. I was granted the XXXX waiver for a card that has a closed acct. got a late fee on card I wanted the waiver applied. Called CS got the waiver put on correct card XXXX partial late fee removed. XXXX XX/XX/XXXX {$27.00} XXXX waiver period good for XXXX & XXXX payments resume XX/XX/XXXX. I was told that Shell would just suspend minimum {$27.00} for the next 2 billing cycles with no late fee or penalties. ( Interest continued to accrue ) I scheduled {$30.00} for XXXX XXXX thinking it would be back to min payment status. Apparently Shell wanted the 2 months waived for a XX/XX/XXXX payment of {$54.00}. After incurring late fee XXXX XX/XX/2020 ) for not sending the full amount, having my card locked so I couldn't make a payment till I was allowed to make a payment. XXXX {$24.00} XXXX XXXX ) reversed ( XXXX XXXX XXXX My basis of the complaint is- I was granted a hardship waiver so I could buy household essentials such as food during this pandemic & lack of income due to COVID. I wasn't aware I was supposed to save that money so I could meet the XX/XX/XXXX payment of {$54.00}. My financial situation has barely improved yet Shell/Citigroup want to continue my financial stress by imposing a waiver that doesn't help much if one can't use the temporary relief. I don't know for sure but I wouldn't be surprised if many other financial institutions have the same procedure. Customers should have to only pick up were the payments left off at the minimum not double at the conclusion of the waiver period.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-27
Company: SG and Associates
State: IA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Approximately 2 years ago, a company called SG Associates, also doing business as the Stafford Group on Credit Report began contacting both myself and my parents. This was regarding a vehicle bought by my ex-wife using false means in XXXX that I can not prove. Anyhow. The original loan was through XXXX. She paid for this vehicle using my VA benefits, which she had full access to. When I divorced her in XXXX, she was no longer on my benefits anymore. For almost two years, she lied and said her parents gave her said vehicle. Anyway. I was not contacted by these people for over 3 years. My credit counselor told me to let this debt drop off of my report. Stanford Group said they were attorneys. Threatened lawsuits, and also said they could call anytime they want. Anytime I have tried to dispute, I have NEVER received paperwork, but the consumer reporting agencies, buy their act. I never get to see why! I want them off and this company penalized!

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 2017-06-18
Company: CITIBANK, N.A.
State: NY
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 rewards from credit card

Complaint:
On  XXXX / XXXX / XXXX  I made a  purchase through the Citi Travel Rewards website for a flight in the amount of {$310.00} with my Citi Prestige credit ca rd.     According to the stated rewards and benefits of the card, I am entitled to a {$250.00} travel credit per calendar year for purchases made with the credit card. I made a travel related transaction last year in  XXXX  on  XXXX / XXXX / XXXX  for a  XXXX  flight in the amount of {$260.00} and was successfully refunded {$250.00} one week later on  XXXX / XXXX / XXXX .     Citi is not issuing me the travel credit for my  XXXX / XXXX / XXXX  purchase, however. This is especially problematic for me since I had intended to close my car d two mo nths ago, but have been waiting for the travel credit to hit my account. I now have a {$350.00} annual fee on that has hit my account on  XXXX / XXXX / XXXX  as a result of waiting. And because so much time has elapsed, I have now already paid the fee as part of my last closing statement.     I called t he Citi customer service on three separate occasions and reached three different customer service representatives. Each of them told me that my issue is being caused by a bug in their system that does n't recognize purchases through the Citi Travel Rewards website, but i t should be eligible for the {$250.00} travel credit. I was told by all three of the representatives that I just need to wait since there is nothing they can do and the credit will be issued to my account eventually.     I then sent a message to customer service and received a reply on  XXXX / XXXX / XXXX  telling me that the charge was ineligible since it was through the   Citi Travel Rewards website. This is despite all three other customer service reps saying it was actually eligible after checking with their manager. I responded to this message and asked them to please verify and was given a generic response telling me to send a letter to the " Office of the President. '' It has now been over two months and no resolution is in sight and the customer service team says they have no way to help me or is giving me conflicting information and is not confirming what is correct or not. Should I be waiting? Should I not? I feel that I have been wrongfully forced into keeping my card open so that Citi could collect a {$350.00} annual fee while they hold my {$250.00} travel credit hostage so to speak.
Your help here would be greatly appreciated.        XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I found items has been reported to my credit history that 's not even belong to me and those items has damage my credit and my financial life

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 2022-09-11
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: DC
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:
reporting information on my rental report as both paid in full and as a write off Legally Per the FCRA a item can not be both " Paid In Full '' and " Charged Off '' the Account XXXX is listed as FCO-FAIR COLLECTIONS AND OUT 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 2021-10-27
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: Personal information incorrect

Complaint:
I contacted all three XXXX, XXXX and experian. The names on my report isnt me. 
XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I never worked at XXXX I never lived at the following addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX and Experian hasnt updated my credit since XX/XX/2021 XXXX still has old information on my credit

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 2017-06-15
Company: Navient Solutions, LLC.
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I told them I was unable to make payments and they only suggested I go into forbearance not offering me any repayment plans

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15
Company: Experian Information Solutions 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 belongs to someone else

Complaint:
BACK IN XXXX I DISCOVERED I WAS A VICTIM OF IDENITY THEFT. ( SEE POLICE REPORT ) SOMEONE OPEN UP A PAYDAY LOAN IN MY NAME. I LATER DISCOVERED THEY OPEN UP A XXXX XXXX CARD IN MY NAME WHICH XXXX HAS REMOVED FROM MY CREDIT FILE AND SO HAS XXXX. BUT NOT EXPERIAN. ALSO THERE IS A FRAUDULENT XXXX XXXX XXXX ACCOUNT IN MY NAME XXXX AND XXXX HAVE DELETED NOT MY DEBT. IF YOU LOOK AT THE DATE AND ADDRESS ON POLICE REPORT FROM XX/XX/16. YOU WILL SEE I RESIDED AT XXXX XXXX XXXX XXXX XXXX .I AM ASKING CFPB TO INVESTIGATE AND ASKING EXPERIAN TO REMOVE THESE 2 ACCOUNTS FROM MY CREDIT FILE. THERE IS ALSO UNAUTHORIZE INQUIRES THAT I DID NOT AUTHORIZE.

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 2017-06-15
Company: BARCLAYS BANK DELAWARE
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:
Barclays through XXXX XXXX was paid off infill on XX/XX/XXXX with multiple verifications, that being Barclays phone support, XXXX online statements which it was paid with, and XXXX XXXX XXXX XXXX via phone and email and PDF. Credit bureau still reports that my account has a XXXX  dollar balance as of XX/XX/XXXX which would be 6 months after fulfillment of payment and cancellation of account. They refuse to give me a PDF copy of my last statement showing my XXXX balance, refuse to give me a confirmation of my XXXX balance to show my bank, and are even arguing with their collection agency ; XXXX, on giving them a statement with my account ID and account number being shown in the statement.

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 2017-06-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
portfolio recovery has called up to weekly to collect on a debt b y some one with  same name. It is not my debt and I dont feel I should have to respond.I also should not have to do their work.If they did their proper due diligence they wouldnt have to harass peo ple needlessly.They ha ve called in the past I told them it wasnt me and stop calling .The calls have resumed  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  .6  months ago I informed a  XXXX   XXXX  from  portfolio recovery   XXXX  Virginia  XXXX   XXXX   XXXX   XXXX  to  stop harassing as th ey had wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04
Company: Mr. Cooper Group Inc.
State: PA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I'm very concerned about the pattern of conduct of your company. When I first was behind I came to your company for assistance and was struggling to pay on time. They were helpful initially then when I became a payment behind it was different Multiple calls and text messages daily. When I answered the calls the was no one there then id call in then id get a person who didn't do there job. THE FACTS : 1. I have had this loan for more than TWELVE CONSECUTIVE PAYMENTS THAT WERE ON TIME 2. I contacted your company in XXXX when I was 14 days late in need of assistance and I had the ability to pay then but had medical issues that permitted me from paying at the time and wasn't working. 3. your agency dropped the ball the VERY FIRST TIME AND DIDNT TIMELY FILE AND MISSED THE DEADLINE WHICH YOU REMEIDIED WITH AN EXTENTION the following month omg I cant believe this. 4. when I tried to get employment to pay my obligations they run a credit report since I work in finance and they see that I have a XXXX offset on my credit bureau so NOW I cant work in the industry that ive been in for over a decade and have to work in other industry that will pay less since its entry level. 5. When I was rejected one agent told me that I should file for bankruptcy chapter XXXX and I had until XX/XX/XXXX to show proof that ive been working for 30 days and the income supports viability and the reason I was rejected was that my loan was less that twelve month old which is a fabrication your company bought this loan from XXXX XXXX  who originally bought it form XXXX XXXX. Essentially sixteen consecutive payments have been paid to the lenders before a hardship occurred. 6 A ms XXXX was adamant that I could reapply but that option is NON EXSITENT due to my circumstances and IM VERY SURE SHE WAS AWARE OF THAT since she was so disrespectful and condescending on the phone. Your letter said the ninth it needs to be provided by the ninth. My Circumstances have changed IM WORKING AND I CAN MAKE ENOUGH INCOME TO PAY MY MORTGAGE AND IM GOING TO BE AWARDED XXXX shortly. YOU HAVENT CALLED ME IN A WEEK AND ITS ONLY AFTER I TOLD HER THAT YOU CALLED SO MANY TIMES A DAY SHE sarcastically said we can remove you from the call list even when I asked prior. I will submit this to the BBB FTC CFPB ETC CAUSE YOUR PROCESS IS PREADETORY I believe your company intentionally slow balled this playing the waiting game in the guise of help but called savagely and misinformed to blatantly corrupt the process cause I'm sorta a smart guy but you sophisticated this process in a way to only a legal expert would really know what you're actually saying as a company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20
Company: Bread Financial Holdings, Inc.
State: IA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
10 years ago we moved ( and none of my mail was forwarded on ) and my ( store related ) credit card was sold off to a debt collector. They called me, I paid it immediately, the card was canceled immediately. My husband began receiving phone calls with personal information saying I owed over {$300.00}. He has told them I no longer possess that card or owe that debt. They are still calling and claiming I owe the money. I do not retain paperwork from 10 years ago, so unfortunately I have no proof. THIS IS A SCAM. 

XXXX ( a XXXX XXXX phone # XXXX XXXX XXXX XXXX XXXX, GA working on behalf of XXXX XXXX and Associates My information was sold to them on behalf of XXXX 's. I highly recommend not taking out a line of credit from a store. They will claim no responsibility.

Company response to consumer: Closed with monetary relief