BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-06
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 XXXX this isn't 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 XXXX  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 im XXXX  now.with no help.

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 2022-02-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Capital One charged a late fee for a credit card that the payment was not late. When I look online it shows the fee. When I called the customer service they said that there was not actually a fee even though it shows up on their system. When I asked for them to send me a letter or proof that there was not a late fee, they could not produce a letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I received an offer over a phone call from American Express Credit Card agent, XXXX ( Employee ID number : XXXX ) on XX/XX/XXXX The offer is, I can get XXXX Amex Membership Rewards points if I add an authorized user and spend over {$500.00} within in 3 months. I met all requirements but have not received the MR points so far as advertised. I contacted the AMEX customer service and submitted complaints through chatting and phone numerous times. One of the  chatting reference number is XXXX. I even chatted with a supervisor onXX/XX/XXXX ( complain number : XXXX ) but It has been more than 8 weeks.
I never received any updates or response until I contacted and all agents keep saying generic answer that it will take 6-8 weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26
Company: EQUIFAX, INC.
State: VA
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:
Please provide the XXXX  actual response/letters for the investigations dated XX/XX/XXXX & XXXX, 2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21
Company: Commonwealth Financial Systems, 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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Common Wealth Financial XXXX XXXX Re : Acct # To Whom It May Concern : On XX/XX/XXXX I disputed an account reported by XXXX in the file you maintain under my Social Security number. I was informed on XX/XX/XXXX that the item was deleted from my credit report. Now I have discovered on XX/XX/XXXX that the item has been reinserted on my credit report. Look at the dates of the photos how my credit was perfect. Common Wealth Financial posted a bogus account on my report to try and get some compensation thinking that I was ignorant enough to fall for it. This is by far disrespectful and misuse of my credit report, several laws we 're broken according to FCRA. I am consider filing charges along with filing a civil law suit at the court house in my county upon the response I receive in 5 days or less. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice  to consumer If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law. I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney General 's Office, and the BBB. Please govern yourself accordingly. XXXX XXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : Better Business Bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: ProCollect, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
As noted in the attached, I do not owe this debt. This information was sent to the company. My XXXX was extremely uncooperative when I tried explaining my case. He refused to allow me to speak to a manager in an attempt to resolve the discrepancy. 
I immediately sent an email to the company and proof documentation. 

I sent this communication to the company on XXXX, but I didn't get a response from them. They, however, placed this item as a collection on my report today XXXX- which is now harming my ability to get a mortgage account. 

Email to Pro Collect. 

Company Name : ProCollect Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone Number : ( XXXX ) XXXX Hi XXXX XXXX, This is XXXX XXXX, and Im contacting you regarding account XXXX. We spoke earlier. Please see attached proof that I do not owe the debt indicated in this statement. 

As noted on the statement from XXXX XXXX, it states that I owed XXXX for an Earlier Termination Fee - dated XX/XX/20 As noted in the receipt from XXXX XXXX, I bought out the lease on XX/XX/20 per the signed managers signature. 

I have also attached my paid money order receipt which is dated XX/XX/20. 

I know you didnt believe me when speaking to you earlier, and you were clearly unwilling to help me by allowing me to speak with a manager. 

Im also prepared to send you a copy of my credit report to show you that this is not on my credit profile as of todays date. 

Please note that Im also exploring my legal option. I do not owe the debt indicated and noted in my statement. 

I am formally requesting that you suspend your collection efforts.

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 2021-12-21
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 status incorrect

Complaint:
The following accounts should not contain any late payments whatsoever : 1. XXXX XXXXXXXX XXXX XXXX  XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX Each of these accounts were open under an open end credit plan and according to the fair credit reporting 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. These accounts contained a finance charge, which is the sum of ALL charges. The finance charged was paid when the company required my credit card ( social security number ) to open the account to begin with. Thus, the account was paid in full and shall not contain any late payments.

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 2020-11-15
Company: Experian Information Solutions Inc.
State: MS
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:
On XX/XX/2020 i mailed a letter requesting verification of inaccurate accounts listed on my credit report. I didn't recieve a response so I mailed another letter on XX/XX/2020. Still no response so I mailed another letter on XX/XX/2020. Still no response. It's been 6 months total and these inaccurate accounts are still showing on my credit report.

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: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I entered into an agreement to pay past due ballance. Was given an option to pay minimum, or give additional amounts. I have sent additional payments, and requested by phone a monthly statement showing ballance due, with payments applied. I have sent in total 10 payments, and one large check in the amount of XXXX. This company rrefuses to send me any acknoledgement of recieved payments, along with new ballance. Also, this was a home equiety line of credit subject to a tax deduction. Company never sent my interest paid statement for the year 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 explanation
Consumer complaint received 2022-07-06
Company: CITIBANK, N.A.
State: MT
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
This is in regard to my earlier complaint # XXXX. The company did send me an email but the issue has NOT been resolved. This is my email reply to the company 's letter dated XX/XX/XXXX : " Thank you for the response. I was able to open the savings account but I have not been able to fund it. I get an error when I try online and your customer service has been unable to help. The offer that I am trying to redeem is set to expire on XX/XX/XXXX and I have already lost over a month in time as I don't get the miles until 90 days after I have met all the requirements. Also, there was a message saying that I would get XXXX bonus miles for a {$10000.00} deposit as opposed to the XXXX bonus miles mentioned in the offer. When I called customer service about that, she said to just go ahead and fund it and I would get XXXX ( which I doubted ) so I tried but as I just said I can't. 

So after numerouscalls plus having to file a complaint with the CFPB, I am still unable to fulfill the terms of your offer which I have been diligentlytrying to do for over a month. 

I will not be satisfied until I see XXXX miles added to my AAdvantage card. Attached in the error I get when I try to fund. I will call again today and see if a personal banker is able to fund it for me. '' The rest of the info XX/XX/XXXX : Same day I called to see if I could get a banker to fund my account. She said I had to wait until I received my debit card in the mail ( not sure why I would get a debit card for a savings account ). She did give me my promo code which was nice ( # XXXX ) and confirmed that I would get XXXX miles with a {$10000.00} deposit. I asked for her supervisor to see if she could fund the account but she was not able to. She transferred me to another department that was supposed to be able to deal with the error code XXXX. Finally realized I could use my XXXX XXXX XXXX account to fund the Citibank account which is what Im trying now. I am waiting for trial deposits.

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 2017-08-21
Company: Bread Financial Holdings, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
this is in reference to paypal.a backhoe was for sale on XXXX, talk to the owner.said he do n't take credit cards.seller said he would send a invoice to my email.i told seller had only XXXX credit at paypal.seller said XXXX takes credit cards, next thing the invoice was sent I said ok and made a call back to seller.i said what is next. the seller said you are all set you are paid in full. I said how I only had XXXX and I just had received a XXXX -- raise but never XXXX.i just could not under stand how made a call got the run around. next thing I did was try to make as much payments I could. found out that I had 6months free interest. did not know what they were even talking about next thing some time at the end of XX/XX/XXXX, my statement came to my wanted post office mail paypal said they always sent mail. but they never did. only email.so in XX/XX/XXXX the statement said I need to pay only the min payment of XXXX never sent me a pay off balance. of what the balance was before they were going to hit me with interest.so I look at what the balance was and the balance was more than the last time I took a look XXXX now was XXXX some change. got a real hard time made a lot of calls. one call the paypal service name was XXXX, real wise guy. sent me an email. said that I will see some changes soon. on my account. next thing when I took a look. the interest was in the statement. but it was in a place you had to look for. XXXX. took the rest of my credit way. XXXX did in fact temper with my credit statement. XXXX never told me what he did but I could see clear threw. I made a lot of calls to pay the balance. with out the interest. which was around XXXXeach time I was told no no no they never sent me a pay off. they never told why they had to be the only ones. they made a jump from XXXX to XXXXjump to XXXX with out the facts of agreement. to me this is as bad as it gets.ps why is it that if you want to buy from XXXX. you have to go threw paypal. why is it when you press the button to buy and made a mistake. the item is paid for and you have to go threw XXXX to get you cash back. you have to call XXXX, then paypal, and some times the seller. please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I have already send complaints and letters to the bureaus and to the companies and they never response to my request to provide proof of validation, payment history and all the results of the investigation but they never provide any of the request I sent. 

XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/2016 ; XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/20XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: HYUNDAI CAPITAL AMERICA
State: RI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Summary : Hyundai Motor Finance allowed me to setup an autopay but prevented me from cancelling it online and did not cancel it over the phone. As a result, they continued to attempt to make the payment, which resulted in me owing XXXX further NSF fees. 

Details : I had a bank account closed due to fraud. This generated a return due to " Account Closed '' on my Hyundai Motor Finance autopay. Despite this, XXXX continued to attempt to charge my account and after the second return blocked me from making online payments. As a result of the block, I was prevented by their website from making changes to my Autopay -- specifically I was blocked from cancelling it. I called them twice and was told by their debt collection team ( first call ) and their customer service team ( second call ) that my autopay was cancelled. On my third call today, 5-6 months after the initial bounce, I was told that my autopay had again been cancelled. 

XXXX refused to refund my NSF fees and refused to investigate the problem at hand ( which is clearly a software/dunning logic issue ). 

Thank you, 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 2022-02-03
Company: GUARANTEED RATE INC.
State: MN
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:
Guarantee Rate : Regarding Loan # XXXX I called your customer service department on XX/XX/XXXX and spoke with customer service rep XXXX, who recommend me sending a e-mail response. She also put in a request to review this matter. 

I am writing to ask you to removed the credit delinquency hit on my credit score for the month of XX/XX/XXXX. 

In XX/XX/XXXX, I was no longer safe in my home on XXXX XXXX XXXX XXXX XXXX MN XXXX because of my husband XXXX  use disorder. I contacted law enforcement to have him removed from the home, but since we were married they could not assist me. He refused to leave the home and refused to pay the mortgage. I immediately filed for a divorce, and I had no other choice but to leave the property and move into a rental because I had no family to stay with. I am XXXX generation only child and all of my immediate family is deceased. 

I kept you informed of this situation as much as possible. I was granted a divorce by XXXX XXXX Courts on XX/XX/XXXX and quickly put house for sale. 

The house was sold on XX/XX/XXXX where you received full loan payment, and we avoided a foreclosure proceedings. Because of this situation my credit score has take significant hit, making it impossible for me to be pre-approved for another mortgage and forcing me to live in a sub-standard apartment. 

I am asking sincerely for you to remove the credit delinquency hit on my credit score for the month of XX/XX/XXXX, since you received complete payoff of the loan on XX/XX/XXXX. 

I have attached for your records a copy of the satisfaction of pay off of loan you sent me for your reference. 

These XXXX missed mortgage payment is the only thing on my credit report preventing me from being able to buy another home, and prior to this situation I had excellent credit history. 

Please let me know if you would like to see any additional information regarding my divorce proceeding and the timing of this situation. 

I am hoping we can work out a solution quickly that can improve my credit score immediately. 

Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: Experian Information Solutions Inc.
State: OH
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:
on or around XXXXXXXX XXXX  XXXX my car was broken into or some had accessed my XXXX  XXXX XXXX XXXX that was parked near XXXX XXXX XXXX XXXX XXXX OH XXXX. I return to my vehicle around XXXXXXXX XXXX XXXXXXXX and found my things were ransacked and tossed around the inside of my car. My ID and SS Cards for myself and my children were stolen, so I would like to request a PIN number for my credit report and file. While I was going over my report I saw that there are some errors in my addresses and names that are incorrect. Please remove the following addresses they are not XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Please delete remove the following names they are not correct : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. 

The following Items are inaccurate please delete : 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 non-monetary relief
Consumer complaint received 2021-12-21
Company: Experian Information Solutions Inc.
State: SC
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:
Ive reached out to XXXX XXXX and experian 3 times in regards to incorrect information within the three BUREAUS across the board. The accounts are with. XXXX XXXX XXXX XXXX XXXX and XXXX. I ask the accounts be removed due to incorrect information as I have the right to a honest and correct credit report. Instead the accounts are updated with more inaccurate information each month across the board and its impacting my score tremendously. Ill like these accounts removed! Attached are the inaccurate information for each account. 

Thank you

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