BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-24
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:
After pulling my credit report an open record of bankruptcy XXXX  XXXX was on my report. I reach out to my local courthouse and XXXX to find out who reported this information to the credit bureaus however they both responded they do not give out that information and XXXX removed the bankruptcy from my file on there end. The three credit bureaus were all giving a copy of this information and was asked for them to verify they information if they couldnt i needed it to be remove and neither company took this into action. Bankruptcy is still being reported.

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 2022-07-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have tried numerous times to dispute a debt owed to Capital one by disputing with XXXX etc. I even told portfolio recovery this isnt mine. I called Capital one XX/XX/XXXX and told them that this was not mine and he said it looks like fraud. the charges are not anything I would make and I havent lived in XXXX since XXXX. My SSN has been stolen before that is why I have a identity theft number for every income tax I file with the IRS. I have lived in XXXXXXXX XXXX since XXXX XXXX. In XXXX I was not traveling anyway due to covid and my job had restrictions on mileage. we couldnt even go XXXX miles from XXXX XXXX. This account is ID theft, even when I called to dispute it today he said I need a police report to dispute someone stealing my identity. this has messed up my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16
Company: The Law Firm of Krisor & Associates
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I have debt that is owed but now attorneys are going to seize my bank account for money owed XXXX XXXX. The only funds I have are direct deposits from Social Security Retirement income and Supplemental Security income. These funds are exempt from garnishment. These attorneys are going to freeze my account and remove money from my account. 
The attorney in charge of this case is XXXX XXXX XXXX, XXXX. 
Address : XXXX XXXX XXXX XXXX XXXX IN XXXX Ph ( XXXX ) XXXX Cause No. 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 2022-03-24
Company: AR Resources, Inc.
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2022, noticed multiple medical debt collections accounts being reported to credit report agencies. Accounts were not recognized, nor had any attempt to collect the debt or notifications of the right to dispute were made. On XX/XX/2022, called company to attempt to verify debt, since it is not mine. Company representative falsely claimed that the company did not have to verify debt in accordance with applicable laws. On XX/XX/2022, debt verification letter was sent to company via certified mail. Company has not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26
Company: EQUIFAX, INC.
State: UT
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 h ad  XXXX    XXXX   XXXX  accounts that were included in my  2013 Ba nkruptcy that was  discharged yea rs ago. They are continuing to update every single month and it is killing my credit and financing. I have filed a complaint with the Bankruptcy courts recently.. They are in clear violation .... I have disputed it with the bureaus and  XXXX   XXXX  claims it is valid. How is updating monthly on a bankrupt account valid?   This is a clear violation and needs to be fixed!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19
Company: EQUIFAX, INC.
State: AR
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 received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 

XXXX XXXX XXXX {$480.00} XXXX XXXX XXXX   XXXX {$430.00} XXXX XXXX   XXXX {$18.00} XXXX   XXXX {$670.00} XXXX XXXX XXXX {$3500.00} XXXX XXXXXXXX XXXX   XXXX {$770.00} XXXX XXXX XXXX {$590.00} XXXX XXXX XXXX {$650.00} XXXX XXXX XXXXXXXX {$670.00} XXXX  XXXX {$840.00XXXX XXXX XXXX XXXX {$16000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16
Company: DISCOVER BANK
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I did not receive a statement and so Discover is charging me a late fee. Since receiving the statement the coronavirus has taken big hold in our beloved country. The coronavirus has caused me to be unable at the present time to pay the monthly Discover bill and so I asked for forbearance until the coronavirus is under control. I am over 70 years of age and have serious undying medical problems, including XXXX XXXX XXXX and treatment for XXXX XXXX. I am high risk, according to Vice-President Pence and his White House task force. I ask for temporary suspension of billing! It would be cruel indeed for Discover not to agree! Nor may Discover cancel my account!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was unaware I had a balance due for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I would like to remove the late payments on my report with Comenity Bank/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX has recently changed an account on my credit report from a closed status to and open status, this account has been closed and was assigned to a collection agency by the name of XXXX I finally have had my credit report free of this collection and account now its reflecting as an open collection account and should be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
The account ending in XXXX for XXXX XXXX has been reported as 120 days late incorrectly

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 2022-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Upon reviewing of my records, the following account is erroneous. I did not incur any late payments. Ive made every payment on time. Please remove it from my credit report. 




XXXX  / XXXX / {$140000.00}

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 2016-02-08
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I have an auto loan with Citizens One Auto Finance of XXXX, RI. My loan is current to date and always has been. I have an excellent credit score of the high XXXX/low XXXX. My loan has no pre-payment penalty clause. This is where the problem starts, on four separate occasions to date I have sent payments for principal only to be applied ( when my bank provided remittance slip shows {$0.00} due ). I put the amount in the Principal line and they repeated ignore this direction and continue to treat it as a regular monthly payment and split the payment as interest and principal. In addition this bank makes it very hard to make a principal only payment, you can not do it via their on-line loan payment tool, you can not do it via my own bank 's pay bill by putting " Principal Only '' in the memo field, and apparently they ignore the information on their own bank provided remittance slip. 

When i call the bank it has been a mixed bag in getting anyone to do anything. One representative told me this is not like a mortgage ( whatever that means ) and that the bank will always split to get the interest they are due. Others tell me they will put a work order in to have the transaction corrected. 
This sounds and seems very much like a back handed way to get around the no-prepayment penalty portion of the contract. 
I have never dealt with a consumer finance organization like this that makes it exceedingly difficult to reduce your principal amount. Right now it is a stalemate. I never pay bills via check and the postal service any longer except for this bank. So now I have to write a check, send in the remittance slip, pay the postage, and then login to their online portal after payment is received and see that they took the interest out again. I call their call center, complain, and hopefully get a rep that understands the situation and backs out the transaction. 
Please look into this, if they are pulling this stunt on financially able consumer like myself, what are they doing to the less fortunate. 
I smell a rodent here. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have tried to order my credit scores from the three bureaus. I was able to order my XXXX XXXX score only. I know that the other two are violating the fair credit reporting act. I know this is a marketing scheme and a way of them not complying with federal law. There is no explanation for not allowing an American citizen the right to his or her own personal information held by these marketing schemes. When you can't even pay for your information you know you're being discriminated against. I am in need of transacting some important business and I need access to my information in the next 14 days. 
XXXX and Equifax are stalling and I know that they are, happen to frequent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: ONLINE Information Services, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX I moved from XXXX XXXXXXXX XXXX XXXX XXXX XXXX I rented an apartment, sight unseen from XXXX XXXX XXXX. When I arrived the apartment was not what was expected and due to medical issues, it was not accessible for me. I tried to refuse to take possession but was told that since I had a contract, I was responsible for the rent rather I took the apartment or not. I moved in and set up the account with XXXX XXXX XXXX acct # XXXX. I stayed in the apartment for less than a week, since I was having constant XXXXXXXX XXXX. So I moved in in XXXX was gone by XXXX and had rented another apartment by XXXX. I paid for at least XXXX months of service with XXXX but they continued to bill me. I spoke with them in XXXX and XXXX trying to get this taken care of. The apartment complex should have taken over the service when my lease was canceled. I do not know if they rented the apartment out or used it as a model apartment. Whichever, I should not be responsible for the bill of {$430.00}. XXXX has once again sent this bill to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20
Company: Kirkland Asset Management LLC
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX is not licensed to issue usury interest transactions in the XXXX,, they can not collect an illegal transaction the interest rate was 800 % I am XXXX XXXX XXXX and did not know about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 had 3 XXXX XXXX accounts that were included in my 2013 Bankruptcy that was discharged years ago. They are continuing to update every single month and it is killing my credit and financing. I have filed a complaint with the Bankruptcy courts recently.. They are in clear violation .... I have disputed it with the bureaus and XXXX XXXX claims it is valid. How is updating monthly on a bankrupt account valid? This is a clear violation and needs to be fixed!

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 2016-02-19
Company: ERC
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a letter claiming I owe money, but according to the original company I do not. I believe this is a scam.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-24
Company: Continental Finance Company, LLC
State: FL
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:
XXXX XXXX  clearly states that if you make your first XXXX payments on time that your credit line will double. My initial credit line on this card was {$1000.00}. It should have automatically updated to {$2000.00} in XXXX. I called them today and found out that the automatic part is false, you literally have to reapply. The person did that for me and it went up from {$1000.00} to {$1300.00} - again, not what was promised. It also looks like they did a hard inquiry on my credit report, which was also not disclosed, which will negatively impact my credit score.

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 2015-07-21
Company: ERC
State: NV
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Over a year ago I had an account with XXXX. I was more than dissatisfied with there service to say the least, so I cancelled. I paid my debt and moved on. XXXX then sent me to collections for a debt that was Invalid. The debt was removed from my credit by all three credit reporting agencies due to it being invalid. In the past year XXXX has given this invalid debt to XXXX collection companies that I have had to fight and prove the debt was invalid. The first was XXXX, then it was XXXX collections, XXXX collections, and now Eenhanced recovery collections out of florida. I have just filed XXXX complaints again with the XXXX and am now seeking legal counsel for there harassment. Please look into there unethical business practices. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-20
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
It is XXXX XXXX, 2016 and I have still not received my free annual credit report that I ordered by phone the evening of XXXX XXXX, 2016. How can I find out whether the report was sent or not?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The following accounts are inaccurate and fraudulent. I did not own the following debt. 



XXXX XXXX XXXX XXXX FL / XXXX / {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I am attaching my letter-response to the company, with attachments, which explains in detail the circumstances of my complaint. I never received a response to my letter from the company.

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 2020-03-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Because of the coronavirus I am not able to pay the car loan at this time. I am a senior citizen with serious underlying medical problems : XXXX XXXX XXXX and having been treated for XXXX XXXX. I do not bank online. The CDC and The White House Coronavirus Task Force wants me to social distance myself and so I can not go to the bank. The drive-up is no good because car loan payments may not be made there. I will not enter the bank to go to the ATM machine! It would be most cruel of the Bank of America not to honor my request at this time of growing threat of the coronavirus, especially for me who is in the high risk category!

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 2022-07-19
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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 response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: EQUIFAX, 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: Information is missing that should be on the report

Complaint:
This may not be a legitimate " complaint '' per se, but merely a request for clarification and/or explanation. 

Due to exigent circumstances ( medical and vehicle repair expenses ), my overall credit use increased by a little over {$1100.00} last month, As a consequence, on XX/XX/XXXX my credit scores at Equifax and Transunion incurred a 17 point hit/drop. 

On. XX/XX/XXXX, I paid down those balances by XXXX and my scores rose only 1 point! 

On XX/XX/XXXX, I paid down another {$200.00} XXXX for a total of {$740.00} in 3 days ), and my score rose only 1 point, again! 

As I've paid nearly 70 % of the debt increase that cost me 17 points, why hasn't my score rebounded by commensurate amount - to an increase of 12 points??? 

My XXXX Credit Score remains at XXXX, XXXX, or XXXX, depending on which other bureau or creditor I view. 

My Score Rating is " Good '' Payment history rated " Grade A - 100 % '' Account Mix - Credit Age - Inquiries are all also rated " Grade A '' Credit Usage alone is rated " Grade XXXX  '' ( 67 % ) Why the disparity in scores, and - most egregiously - WHY DO MY SCORES RISE SO LETHARGICALLY AS COMPARED TO THE SUBSTANTIAL - AND IMMEDIATE - DROPS? 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I sent an international wire transfer to XXXX XXXX in XXXX from my US chase checking account on XXXX with a amount of XXXX USD. However its already been one month the recipient havent got the money. I tired to contacted chase bank more than 5 times to ask them investigate and recall my money back but there are no updates. And chase said I can only contact the wire department in app by secure message, which they never have a useful response.

Company response to consumer: Closed with explanation