BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-17
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:
Back in XXXX of 2017 I ordered a free copy of my credit report for Equifax, XXXX, and XXXX before I went out to try to purchase vehicle and I was denied. I looked over the credit report and noticed some major errors, also some new accounts and inquiries I have never opened up. It was really frustrating and embarrassing to have been denied for a vehicle. I have no clue of how these new accounts and inquiries Equifax 1. XXXX XXXX XXXX Acct # XXXX 2. XXXX XXXX XXXX Acct # XXXX 3. XXXX XXXX Acct # XXXX 4. XXXX XXXX XXXX Acct # XXXX XXXX 1. XXXX XXXX XXXX Acct # XXXX 2. XXXX XXXX Acct # XXXX 3. XXXX XXXX XXXX Acct # XXXX XXXX 1. XXXX XXXX acct XXXX 2. XXXX/XXXX XXXX Card acct XXXX 3. XXXX XXXX XXXX acct XXXX and inquiries without my consent. I contacted each credit bureau by mail with certified copies of letters and I never got any response from any of he bureaus. I 've been waiting for 5 months almost half a year and I have n't seen any actions being taken on the error fraudulent accounts. I sent over various documents along with police reports of the indetity theft and errors on my report. The customer service reps we 're rude and it was very difficult to understand them. I am now pushed to file a lawsuit against all three bureaus along with the companies that are verifying false information on my credit report. It is breaking the law and my rights are being violated. So with that being said I 'm fed up and ready to take legal actions against the bureaus and whomever used my name. I refuse to give any ample time because it 's been a very long time and this is really bad service on your part not communicating with me, rude, unprofessional. I will hire a private investigator in the mean time along with filing the law suit. See you in court. You can email me within 10 days of receiving this message and since you guys have broken the law, I wo n't allow more than 15 days for a response. Treat someone how you want to be treated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
Company: BARCLAYS BANK DELAWARE
State: TX
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:
I went online to pay my Barclaycard US bill on the day it was due. I have paperless billing. On the home page when I logged in on my personal computer, I saw a " posted transaction '' of {$29.00} for a late payment fee. When I tried to dispute the charge using the online option with the transaction, I received a pop up message that the charge was not eligible to be disputed using the form and to call. Since I was not late I immediately called the company and was told that they automatically post the fee on payment due dates and that it is automatically removed when a payment is paid on time. They also said that it was in my agreement and that the only way to avoid it was to pay before the due date. 

I checked my previous transaction history and saw XXXX additional {$29.00} late fee transactions on XX/XX/22 and XX/XX/22 in addition to the XX/XX/XXXX charge. The transaction states " on statement as LATE PAYMENT FEE ''. My due date is the XXXX of each month and my payment was made on time for both of those dates which the representative verbally validated. 

When I asked for them to show me where to see where the charges were removed or credited back, I was told that it's done automatically and doesn't show on the transactions or statements. 

The problem is that neither the fee nor the removal shows on my statement in spite of the fact that the transaction says it shows on the statement as a late payment fee. It also doesn't show as an additional transaction. 

I told the representative that if I was charged then I should also be able to see where I was credited and asked where I could find that information online or on the statement. They basically told me the system wasn't set up that way and that the late fee transactions, both charge and credit, wouldn't show up on the statements or online if a payment had been made on time, and that if it wasn't on the statement then I didn't need to worry and that it had been removed. 

They confirmed a late charge is charged and I have that documentation in the transaction but no way to confirm the charge was removed. Additionally, if they state that a transaction is on a statement in writing but verbally say it won't show if my payment is made on time, then I have no way to validate the removal of the charge. 

I can't believe it is legal to charge and credit my account without the charge and credit showing on my statement or the credit not showing as a transaction on my online account. How are they allowed to state a transaction will show on a statement and then not do it? 

When I asked for documentation of late charge removal for the three dates, they said it would take 7-10 business days to be sent to me. I shouldn't have to request documentation of a charge removal.

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 2022-02-05
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Unverified account, amount {$210.00} Unverified account, amount {$210.00} Unverified account, amount {$260.00} Unverified account and is not my account, its FRAUD! 
All these accounts were investigated by XXXX then later deleted by XXXX however, EQUIFAX has yet to delete these FRAUD accounts!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24
Company: ALLY FINANCIAL INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
IN XXXX 2017 MY AUTO LEASE PAYMENT WAS DEDUCTED FROM MY BANK ACCOUNT. IN THE NEXT MONTH 'S STATEMENT I BECAME AWARE THAT THE PAYMENT DID NOT POST TO MY LEASE. I CONTACTED MY BANK AND THEY CONFIRMED THAT THE PAYMENT WAS NOT PROPERLY CREDITED TO THE LEASE DUE TO THEIR ERROR. THE COMPANY THEY USE TO PROCESS PAYMENTS SENT A LETTER TO THE LEASE COMPANY ( ALLY FINANCIAL ) EXPLAINING THAT THE LATE PAYMENT WAS DUE TO THEIR ERROR. ALLY CHARGED ME A LATE FEE AND CONTINUES TO REPORT THE PAYMENT AS LATE WITH ALL 3 CREDIT BUREAUS. I REPORTED THIS PROBLEM TO ALLY AND ALL 3 CREDIT BUREAUS. THE CREDIT BUREAUS DID NOTHING AND ALLY DID NOT RESPOND IN ANY FASHION. WHEN I CALL ALLY THEY KEEP TELLING ME IT 'S BEING LOOKED INTO BUT THEY WILL OPEN ANOTHER INQUIRY YET NOTHING HAPPENS. IT APPEARS THAT ALLY DOES NOT HAVE USA BASED CSR SO COMMUNICATION AND UNDERSTANDING IS NEXT TO IMPOSSIBLE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing in reference to the all three credit bureaus lowering my credit score due to auto inquiries that were within 7 days. All bureaus were sent a certified letter requesting that they bring my score back up to where it was minus points for every 5 inquiries.There were 10 inquiries. From XXXX and XXXX I was told by XXXX, Experian and XXXX  that they are not responsible for the credit dropping due to the auto inquiries. They all told me to contact the creditor where I applied for the loan. The auto creditors are not liable for the scores that the credit bureau is suppose to give. The creditors told me they could not remove the items by law. I understand that. 

The creditors are not responsible for my score going down the bureaus are are suppose to only drop 1 point for ever 5 inquiries if they are within 7 days and in the same category.. My score was dropped 41 points due to the inquiries that were made with 3 days of each other. This is unheard of. 

I feel like I am working on my credit is in vain if the Credit Bureaus are supoorting the negative information that companies put on your credit no matter what the circumstance are taking place in your life. 

I had a XXXX XXXX in XXXX. This is what caused the medical bills as collections on my report. I am victim of XXXX XXXX that a protective order was filed and I was assisted by the Attorney Generals back in XXXX. My credit was affected again by medical bills due to the domestic XXXX acts by my husband. I have told the collection agencies that and they still call and report medical collections. This is insane. I would like you all to check into this. Because I was informed by the XXXX XXXX XXXX XXXX XXXX in XXXX Texas, that I was in when I left my spouse that I should get medical waived due to this XXXX  situation. 
. 
It is a conflict of interest for the credit bureaus to assist the consumers with education to check credit for and monitor credit, but they are not caring how they score due to these inquiries. How can the care about the consumer in correcting the problems with no effort on their part and turn around and try to sell the consumer on their products and try to get to you to open high interest credit cards so they can get a kick back. 
This is not helping the consumer.

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 2022-02-05
Company: CITIBANK, N.A.
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I submitted a debit card fraud claim with CitiBank on XX/XX/XXXX for the amount of {$4100.00}. ( XXXX ) CitiBank denied my claim on XX/XX/XXXX without any specific reason. Also, there was no response after I submitted an appeal for the claim decision.

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 2017-08-17
Company: EQUIFAX, INC.
State: OR
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 submitted a dispute with Equifax about an incorrectly reported credit card balance and incorrectly reported late payment. I also submitted a complaint to the credit card company itself. Equifax took over 30 days to complete their investigation and during my wait for Equifax the credit card company responded and fixed their error on all three credit bureaus. The credit card company sent me an email apologizing for their error and stated it 's been corrected. I checked the three credit bureaus and it was correct on all three reports. Then today, 30+ days after my initial dispute, I get an email from XXXX saying Equifax has changed my credit score, and I got an email from Equifax saying my dispute results are ready. I went in to the report Equifax provided in the email and they put the incorrect credit balance and incorrect missed payment back on my credit report! This also dropped my credit score over 50 points! I went online to my credit card to make sure something did n't happen that I was unaware of and my statement shows it is still all paid up and XXXX owing right now and it is not late or over the credit limit like Equifax changed it back to! This is absolutely ridiculous that I have to keep going through this with the credit bureaus. This really needs to get fixed quickly and the XXXX card account switched back to the correction that XXXX card services reversed earlier this month! If the credit bureaus do n't stop messing with my credit score unjustly I am going to start a class action lawsuit against them. They will be shut down. They are breaking all of there agreements made to provide better service and they are about to be held accountable for it! If they want to keep their jobs they will start doing the right thing rather than trying to ruin our scores! It 's not fair at all!! I 'm so frustrated! They seem untouchable! We need the governments help to real them in and make it all fair!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: EQUIFAX, INC.
State: MD
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 am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I would be grateful if these fraudulent items are removed as soon as possible as it is hindering me very much so. I am unable to move forward with life so that I may provide for my wife and children. I don't have a home, a car, no credit because of this problem. Please I ask that these fraudulent reports be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17
Company: Navient Solutions, LLC.
State: LA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Applied to lower monthly payments to {$140.00} and have been keeping up with payments consecutively for year. Without notice I have a past due amount due to payment hike up to {$650.00}. I have applied for CSRA to reduce my interest rate and have been unsuccessful. I have been a member of the XXXX XXXX XXXX since 2009 and have been eligible and received my CSRA benefit with the 2 credit cards I have but navient has not awarded me the benefit. My total loan balance left is {$21000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: First Credit Services Inc.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17
Company: EQUIFAX, 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:
Equifax is refusing to investigate, verify and remove accounts from my credit report that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17
Company: Resurgent Capital Services L.P.
State: DC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I noticed a collection account on my credit report in XXXX of 2016, from a collection company called LVNV Funding, operated by a company called Resurgent Inc. The debt is for {$41.00} and im unaware of the original debtor but I know it 's not my account. I 've reached out several times to LVNV and asked them to provide me with proof the debt is mine and they have been unresponsive. I also filed a police report in XXXX of 2016 and sent it to XXXX and asked them to remove this fraudulent item, to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH
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:
Credit Report I recieved in XX/XX/XXXX and in summer. Shows that I had hard inquiries in XXXX all on same day at 4 different adresses in 2 states. I moved out of the addresses used in XXXX and XXXX. I also never tried appling for XXXX credit card ever or other inquires. I have been working hard on getting score up to XXXX after divorce in XXXX. My ex wife XXXX XXXX and XXXX XXXX XXXX XXXX know SS number and I hever made any of these. After divorce Started in XXXX final in XXXX. Ex wife left me at a XXXX score from XXXX. I never applied cause I knew wouldnt get a loan. Hence my purchases of cash old cars and so on. Please Help I have disputed many times and every month For 1 yr after paying off old debit owed. score will not go up. Goes down and stays at XXXX because someone keeps pulling score every 30 days. Ex wife know my ss number and friend is realtor and doesnt want me to buy. Please help my family with this security and investment for the kids Thank you 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 2022-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I checked my credit report, and I noticed some inaccurate information from XXXX XXXX XXXX about some late payments I have never had a late payment associated with that account I contacted the credit reporting agencies to correct the inaccuracies but they didn't.

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 2021-06-24
Company: Sequium Asset Solutions, LLC
State: NC
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:
From XX/XX/2021 to XX/XX/2021, I communicated via emails for XXXX XXXX XXXX a debt collector and who is unknown to me to cease and desist its attempts to collect an alleged debt from this consumer. Unsure of how the company obtained the email address, I repeatedly responded to Sequium to cease its efforts. It did not. Sequium has violated my consumer protection rights through its conduct. 
I have given no prior consent for Sequium to contact me nor use my personally identifiable information. Sequium can not state that a consumer owes any debt. It did. Sequium can not use any medium to obtain a consumer 's location information. It did. By using the email address, consumer believes Sequium has committed identity theft. Sequium violated the consumer 's right to privacy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: Convergent Resources, Inc.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is a copy of my email that was sent to XXXX XXXX XXXX XXXX, XXXX My name is XXXX XXXX XXXX. I live at XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. I check my credit score occasionally and the last time I checked it I had two ( 2 ) derogatory remarks due to a Collection/Chargeoffs. At the time all of the information I had was the name of the collection agency. I contacted them. They told me that my name, Social Security Number and date of birth matched the information on file for whomever used my identity to obtain electricity in the State of XXXX. I have never lived in XXXX. I was told they would note it on their account but I would need to contact the local police and file a report and then go to the identity theft website and complete the necessary information. I did go to the police but because I live in the county I would have to contact the Sheriff 's Department to file the report. I had officer XXXX XXXX of the XXXX XXXX County Sheriff 's Department come out to my home. After explaining and requesting a report he advised that because this involves two state ( XXXX XXXX XXXX ) I would need to go to the website XXXX and proceed to filling out the Fraud Complaint online. This week I received a collection letter from Convergent Outsourcing , Inc. demanding {$700.00} which was 80 % of the full amount of {$870.00}. I contacted them and relayed this same information. The gentleman told me I may also need to complete a fraudulent packet with XXXX XXXX XXXX XXXX, XXXX. Obviously this is very frustrating that as the victim of this activity I am having to go to such lengths to clear my name because of another 's incredulous acts and over {$800.00} at that. Please advise. 

Thank you. 

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 2017-08-17
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I purchased a TV at Amazon, and i used a promotion of 0 % interest for 24 months. As i had 24 months to pay with no interest, i set up an automatic payment thru XXXX XXXX XXXX, to pay a monthly amount until the amount was paid in full. The value of the tv was XXXX on XX/XX/XXXX I voluntarily started sending a monthly amount of XXXX the XXXX of each month, because i had 24 months to pay. By XX/XX/XXXX, i had paid the amount of {$1700.00} plus the remaining balance to pay it off of XXXX= XXXX. My surprise was when i realized that the bank charged me XXXX late fee each month since XX/XX/XXXX, and they charged me interest too, when it was a no interest for 24 months. I spoke to two account managers at XXXX ( XXXX and XXXX ), and they told me that they can only remove a late fee per year. That i had to pay XXXX to pay off the account. I made a payment by phone of the {$200.00}, and then they charged me the same amount back. I told them that i never missed a payment, that i always had the intention to pay, but in my mind i was sending voluntary payments and never thought the bank was charging me late fee for almost 2 and a half years. They did not do much. I dont think it a just practice to pay all those fees when i can prove i was in compliance with my payments to the company, the only thing that was not matching was the due date. I was committed to comply with my obligation with the bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief