BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-16
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I had a hard inquiry on my credit from a company called XXXX XXXX which i had to XXXX them to find out that they were a mortgage company. I never gave them authorization to do a credit check and I don't even know this company. I have never contacted them or asked them for anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
Capital One is issuing me a new card. The new card has contactless capability as a new feature. I called and requested a card that does not have contactless. They said they do not have those cards anymore and all new cards are contactless. That means theyare putting my information at risk. 

I work in information security. I have both XXXX and a security clearance with special program access. I know the dangers inherent in a contactless card, and I am horrified that a bank is pushing this on me without any alternative.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/XXXX I ran a copy of my credit report and realized that Synchrony Bank was reporting three separate inquires that I did not authorize! XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I attempted to send an inquiry to Synchrony asking who authorized the inquires however my letter was sent back as undeliverable. Not only are they reporting unauthorized inquiries on my report, they are also reporting an inaccurate dispute address. 

I did not authorize these inquires and I am NOT benefiting from them.

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 2022-04-29
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:
Hello, I have been trying to contact all three credit bureaus to get the Security and fraud alerts removed. I have had no success with getting anyone on the phone and their automated system has not been working out well for me. Please remove those alerts asap so that I can move into my apartment. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hello, I have been trying to contact all three credit bureaus to get the Security and fraud alerts removed. I have had no success with getting anyone on the phone and their automated system has not been working out well for me. Please remove those alerts asap so that I can move into my apartment. 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 non-monetary relief
Consumer complaint received 2017-11-12
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I have paid off my XXXX balance. 
However, it is showing on my credit report as late. I can verify with bank statements that balance is paid off at fall 2015.

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 2017-10-23
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
We 've been a customer of citibank since XXXX and accepted an offer for 0 % interest card. They approved the application but required we complete a form to request the Social Security Administration to send them a copy of a social security card. We refused and they would not accept a request from an authorized user on the account to close the account.

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 2022-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2017-11-12
Company: Clarity Services
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Clarity services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05
Company: MicroBilt / PRBC (formerly CL Verify)
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I found XXXX hard inquiries on my credit reports from Microbilt.com that were NOT AUTHORIZED - I contacted their compliance dept, they told me that both inquiries were done by XXXX XXXX in XXXX, FL - I DO NOT know this company, I have no dealings with this company.
<P/>
Microbilt gave me a phone number to contact XXXX XXXX at XXXX but it goes to a cell phone voice mail. I have left messages but have not heard back from them.
<P/>
I filed a dispute via mail with Microbilt to remove these unauthorized hard inquiries but no response yet. I do not want a company like Microbilt to have my credit information or allow companies like XXXX XXXX to access my credit reports WITHOUT MY APPROVAL.
<P/>
This is an invasion of my privacy - how do we block Microbilt and XXXX XXXX from these fraudulent activities??

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
X/XX/17 Ace Cash Express said I was approved for a loan which I did apply for a few loans online. They have my bank information etc and when I did a little more research I had an email from a XXXX XXXX from Ace Cash Express. The email was coming from a gmail account not a company account. The phone call seemed odd to me so I called the corporate office and they dont have me on file. I believe I am a victim of a scam. Their phone number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 for several months to access transunion website and even called in XXXX and spoke to support because the online system advised me to call due to an issue or error. I was told the system was fixed but again I am unable to view my credit report or see my 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 2021-12-03
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: Account status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the Account that is still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
My account balance was discharged in a Chapter XXXX Case # XXXX filed XX/XX/XXXX and converted to a Chapter XXXX XXXX filedXX/XX/XXXX. To date the financial institution has continued to report my account negative to XXXX XXXX. I was granted relief from this debt and I want the account removed from XXXX XXXX immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27
Company: Finance System of Richmond, Inc.
State: KY
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:
On XX/XX/XXXX, I contacted XXXX and XXXX disputing an error on my report a collections acct tied to a debt to XXXX XXXX XXXX XXXX XXXX that I have no knowledge of and have never received a bill for from the alleged original creditor. The debt collection agency is Finance Systems of Richmond in XXXX, IN, and the account was opened XX/XX/XXXX. 

I have disputed the acct with the collection agency and requested all communications regarding the alleged debt come through mail and that I receive verification of the debt from my alleged original creditor. They havent complied with the second part of this request, but the credit agencies still claim the acct meets FCRA requirements. Again, I have no knowledge of this account, have never received notification of the account balance from the creditor Finance Systems claims to be representing, and have not been shown verification of the debt, yet it is severely impacting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27
Company: WAKEFIELD & ASSOCIATES, 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: Account status incorrect

Complaint:
On XX/XX/XXXX I sent a letter to Wakefield & Associates requesting information they reported on my credit report. It was for " Medical bill '', no company name, in the amount of {$62.00}. They received the certified letter on XX/XX/XXXX. 
They have not provided me proof of ownership of the debt and they have not removed it from 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 2017-07-05
Company: EQUIFAX, INC.
State: MI
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:
On or about XX/XX/XXXX, I sent notice to Equifax Information Services, LLC and advised them of an item reported by XXXX XXXX XXXX. I also advised them that XXXX XXXX did not send me a HIPAA release that releases my medical information to them which definitely violates my HIPAA rights. I asked Equifax Information Services, LLC to delete this item within the required time stated by law. Within the allotted time Equifax Information Services sent me a response saying the account was verified. I then sent Equifax another letter on or about XX/XX/XXXX advising Equifax to send me a  description of the procedure used to determine the accuracy and completeness of the information requested including name, address, telephone number of each person contacted regarding this alleged account and my signature showing that I have a legally binding contractual obligation to pay them the exact amount claimed. Again Equifax failed to do so. They simply responded the account was verified. A third time I sent a letter of final communication concerning the inaccurate entry being reported under XXXX XXXX XXXX, but yet again they failed to provide me with a copy of any viable evidence submitted by XXXX XXXX XXXX substantiating their claims. Furthermore Equifax failed to send me their method verification, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ). I advised them that I would be filing a complaint and if they should decide to correct their records and remove the negative false item in question to contact me. Again Equifax sent a letter saying the account was verified with no proof. Therefore I am officially filing a complaint against them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-29
Company: Experian Information Solutions Inc.
State: TN
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 XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that this item was verified by the collection agency however there is nothing notated on my credit reports that this item was ever disputed. That is a violation and this item needs to be deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
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: Investigation took more than 30 days

Complaint:
I have tried contacting XXXX XXXX but no one answers the phone or call back. I tried sending letters requesting information. The letters are returned but I use the address on the website. I am requesting a copy of a XXXX for a XXXX XXXX XXXX XXXX for XXXX or XXXX. I never received a copy. 

The information you reporting to the credit bureaus are inaccurate. I am not sure how the credit bureaus are verifying information from you when I can't even get ahold of any one from the company. 

I do not any account information. Please use my name to find the info you need.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: Harpeth Financial Services, LLC
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I attempted to settle for a lower payoff which was turned down cold despite the fact that I have new health conditions that do not permit me to work any more and a 279 % interest rate. 
I filed CFPB complaint # XXXX. The companys response to this complaint was simply to call them, which I did. I was turned down again. Manager told me that since I had modification in 2020, I was no longer eligible, which they never told me in 2020. 
I stand by my offer that I made earlier. 
The manager did offer to stop interest from accruing until XXXX if I would pay of THEIR balance. This is contradicting his statement that I am no longer eligible for any type of modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05
Company: Big Picture Loans, LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
OnXX/XX/XXXX, I applied for a loan through Big Picture Loans. I was approved for {$600.00} loan. They quickly approved my loan and within a few days, after giving them my banking information, I received the {$600.00} as a direct deposit into my XXXX XXXX XXXX Account. I was told there would be a finance charge, but there was no disclosure about the APR. When I received the first statement, they sent the following information ( copied from the emailed statement ) : Loan Status : Current Balance : XXXX Principal Balance : XXXX  Interest Balance : XXXX Scheduled Payment Amount : XXXX Next Scheduled Due Date : XX/XX/XXXX Due Date : XX/XX/XXXX Maturity Date : XX/XX/XXXX Amount to Bring Current : * XXXX Past Due : XXXX Fees Due : XXXX Current Due : XXXX Total Due : XXXX The only thing that caught my attention and made me think something was wrong was the maturity date. They are taking XXXX out of my checking account twice monthly. Why would the maturity date be XXXX XXXX? I have called the company and sent emails requesting more information with no response. Yet the payments are continuing to draft. I finally went on the website and figured out how to find the actual agreement, which states I am paying 636.2942 % interest, and at the maturity date I would have payed in total {$4300.00}. This is outrageous and I believe it is illegal in the state of Georgia. I was not informed of this interest. I would have never done this. I was unable to view the truth in lending disclosure until the loan was approved and the funds were delivered. I believe this is both fraud and illegal. I was furthermore informed by the company that they immune to the laws of the federal government because they are governed under tribal law.
<P/>
I need help. I do not mind paying what I rightfully owe to this company, however, I believe that 636.2942 % interest is illegal loansharking at best. I need assistance in handling this problem. To this date, I have paid a total of {$500.00} ( XXXX paid on XX/XX/XXXX, XX/XX/XXXX andXX/XX/XXXX of XXXX XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: Worldwide Recovery LLC
State: SD
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
See attached transcripts of voicemail received. Have requested that they stop threatening me with litigation. Request they stop harassing my sister. Provide proof of debt owed. I block the number and calls continue from different numbers. Must stop this harassment.

Company response to consumer: Untimely response
Consumer complaint received 2017-09-27
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
JP Morgan Chase Loan : XXXX Over the past two months I set up an autopay with JP Morgan Chase on the above referended loan. I gave them the accurate details for the autopay and they continually attempted to take money from my " Savings '' account not my " Checking '' account. The two have the same number and numerous other companies have been cabaple of taking from the " Checking '' account. 

Two days ago ( X/XX/17 ) without any phone or mail notification they Repossessed the vehicle. I spoke with XXXX yesterday ( X/XX/17 ) who escalated to his supervisor XXXX yesterday and was informed that the only option was refinancing and they stated this several times. 

Today I was able to get refinancing from XXXX XXXX and when I was on the Phone with XXXX XXXX she told me that they could not accept the refinancing because they can not bring the account current. 

All in all I would suggest that JP Morgan Chase has been very shady in all of their dealings with me on this issue.

Company response to consumer: Closed with explanation