BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-25
Company: FREEDOM FINANCIAL NETWORK
State: OK
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I previously had a loan with freedom plus.com when I was a company employee is employee for Is the trucking company I worked for. I recently paid the loan off early Under the self employment that I currently have now. I went to freedom plus.com to inquire about a another Loan and they're refusing me for debt to income ratio for the tax year 2020. Being that I didn't have enough time in self employed they're refusing me for a XXXX. They have also made a hard inquiry on credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
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: Credit inquiries on your report that you don't recognize

Complaint:
I previously submitted a complaint via CFPB towards Equifax in regard to multiple unauthorized inquiries that were showing on my credit report due to fraud/identity theft. See complaint # XXXX. 

Overall, Equifax agreed to delete the fraudulent inquiries and gave their resolution to you that this will be deleted. However, they did not follow through and missed deleting one of the inquiries they said they would delete. 

As of XX/XX/XXXX, the fraudulent inquiry made on XX/XX/XXXX for company " XXXX XXXX '' also known as " XXXX XXXX XXXX '', still remains on my credit report, when it needed to be deleted. 

Equifax was not thorough and somehow missed this one.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16
Company: EQUIFAX, INC.
State: GA
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 did not authorize the following inquiries that are listed on my credit report. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: MI
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:
I 'm one of the 143 million American consumers whose sensitive personal information was exposed in a data breach at Equifax, one of the nations three major credit reporting agencies. I want to hold them accountable for negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This number is continuously calling me multiple times a day and not ever leaving a voicemail. I dont answer because I am assuming it is a scam since they are not leaving any messages as to why they are contacting me. I have called back once and it is an automated American Express message asking for my social security number. I am nervous to give my personal information over the phone since I have not received any other forms of communication from them ( letter, messages etc. ) I did search the phone number and it says its a possible debt collector but I am not sure. I have never missed a payment on my American Express credit card and am paying it off so I do not understand why they would be contacting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
In early XX/XX/XXXX I called Capital One regarding a late fee posted to my credit card account. I spoke to a senior rep. who told me my payment of XX/XX/XXXX was credited to the prior billing period and not to XX/XX/XXXX. I got her to review my account and because she saw I regularly paid my bill in the early part of the month she reversed the late fee. I thought it was taken care of. I made my XX/XX/XXXX credit card payment on XX/XX/XXXX. 
On XX/XX/XXXX I received a mobile notification from their phone app that my payment was late. I checked my account and it showed a late fee again. 
I spoke with a rep who told me the fee was because I had not made the minimum payment for XX/XX/XXXX. It was higher because I had not made a payment in XX/XX/XXXX. 
I immediately asked for a senior acct rep ( later identifying herself as " XXXX '' [ employee ID XXXX ] ). In brief, she told me it was impossible for Capital One to reallocate the payment made in XX/XX/XXXX for XX/XX/XXXX. and that in order to solve the problem I would have to make a payment of around {$400.00} before XX/XX/XXXX ( this in addition to whatever minimum required for XX/XX/XXXX )!  When asked she refused to refer me to her supervisor and would not give that person 's name. Like most people, I can not afford an extra {$400.00} due to *their* error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: EQUIFAX, INC.
State: MO
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/ Account # XXXX, XXXX XXXX XXXX  /ACCOUNT # XXXX, XXXX XXXX XXXX/ ACCOUNT # XXXX , XXXX XXXX XXXX /ACCOUNT # XXXX., XXXX XXXX/ACCOUNT # XXXX, XXXX XXXX/ACOUNT # XXXX, XXXX XXXX/ACCOUNT # UNKNOWN, 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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/ Account # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX , XXXX XXXX XXXX XXXX # XXXX., XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # UNKNOWN, 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-05
Company: EQUIFAX, INC.
State: TX
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:
Equifax has reinserted accounts that had been removed from my credit report without notifying of this action and giving me 5 days notice. I tried to contact to have this issue resolved but was advised I did n't give specific information. The law states that if you fail to notify me, that it is a violation of the FCRA which carries fines if I decide to pursue litigation on this matter. The accounts that were previously removed and then added back without giving me a 5 day notice where :  XXXX  's for {$1900.00},  XXXX ,  XXXX ,  XXXX   XXXX  and a inquiry f rom      X/X/2016 .  I never received any notification from Equifax. I am asking for this information to be deleted as it previously was and I am advising that I never received a 5 day notice of the information being added back to my Equifax files. I 'm asking your company to delete the accounts. Please send me an updated credit report within 10 days showing me that the accounts above have been deleted. Thank you for your time in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
Company: EQUIFAX, INC.
State: NY
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:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 
Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 
This should be rectified, first by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
Company: State Collection Service, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX Hospital in XXXX XXXX Colorado flatly refused to submit a request for payment to XXXX, even though it was thoroughly explained it was set up as a secondary form of payment. Previously they have a debt that was paid by workmens compensation as still owed also. 
They were repeatedly told to take this matter to the XXXX county court if they wanted to prove their claim, and neglected to do so. 
State Collection in Wisconsin then made false claims about owing this debt, and was also informed about their " CLIENTS '', willful neglect to use the proper channels to answer why they neglect to submit payment to an authorized provider. and to take it to the proper court in Colorado, if they wanted to establish any claim, and they also neglected to obey the law, instead slandering me with their coconspirators XXXX and XXXX, whom willfully and knowingly post these slanderous statements, even though they were informed about this failing to follow the requirements of the Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct or delete these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2022-06-16
Company: EQUIFAX, 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 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 XXXX  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 transunion 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 severe XXXX  and stopping me from getting this job offer n now im XXXX n cant provide to my tXXXX XXXX old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: Westlake Services, LLC
State: FL
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 filled a dispute in regard to the incorrect items on my credit reports .It has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am not aware of this account as it was fraudantly obtained.

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 2022-06-16
Company: Mcburberod Financial, Inc. d/b/a SeedFi
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:
Seedfi- They are reporting the account late and it not over 30 days affecting my credit score. 

Also- XXXX XXXX is showing ion XXXX a collection and I paid it in full XXXX of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: CBC Companies, 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: Information belongs to someone else

Complaint:
1. The inquiry was not authorized Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX. The inquiry was not authorized Date : XX/XX/XXXX XXXX XXXX XXXX The inquiry was not authorized Date : XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX, PA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AK
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
USAA closed my savings account for not having a signature card on file. I know that they are legally entitled to do this, and while I think their notification process is woefully inadequate, that is not the source of my complaint. 

I was mailed a check with the balance of my savings account with a notice on the document stating " Notice : As per AK law, this check with reasonable identification can be presented for immediate payment at the XXXXXXXX XXXX XXXX XXXX XXXX '' ( see attached document ) When I went to the XXXX XXXX XXXX XXXX XXXX I was told they would not cash the check because they had an agreement with USAA to cash these types of check but that agreement had expired about 6 months prior. 

When I called the customer service line for USAA I was told my only options are to find another bank that will cash the check ( without having an account at that bank ) or deposit the check into my USAA checking account. No explanation was given as to why the law their own document cited was not being followed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: EQUIFAX, INC.
State: TX
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 Account # 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: Revolut Technologies Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
I have used revolut for around 2 years to receive money from friends. I received a payment of XXXX euros, exchanged it for USD and attempted to pay a bill. The account was locked for a standard check with no explanation, no warning or ability for me to take care of my bill which is now past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: ENCORE CAPITAL GROUP INC.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/XXXX at XXXX XXXX. I received a phone call from Midland Credit regarding an old debt from XXXX. I explained to the representative that I had recently lost my job due to the impact of COVID-19 and was unable to pay anything today, but would like a letter sent to my mailing address and I can look into the debt at that time. The representative became aggravated that I was unable to complete any sort of arrangement or payment today and began threatening me that they will take me to court and I could have my property seized, my checks garnished, and my bank account taken if I did not set something up. I actually believe that this debt may be beyond the statue of limitations, or very close to it since it was from so long ago. I asked the representative to give me the last day that I  made a payment and he stated XXXX, but I dont remember making any sort of payment at that time. I asked to speak with a manager, he stated that his manager was on another call and unable to speak with me. He continued asking what he said that made me upset, and I repeatedly told him that I no longer want to speak with him and would like to speak with a manager instead. After telling me that any manager was not available, he declined to have a manager give me a call back and proceeded to tell me that he is putting in a recommendation to have me taken me court for not making any sort of payment or arrangement with him and ended the phone call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-22
Company: Navient Solutions, LLC.
State: HI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I get phone calls every weekday and sometimes on the weekends from Municipal Services Bureau saying that they care calling on behalf of the Hawaii XXXX XXXX XXXX. The message is automated so I can't talk to a person. They refer me to a website ( XXXX ) and a they leave a phone number ( XXXX ) XXXX. However, when I look on the website the names of the people who owe are not mine. I'm worried that if I call them and talk to someone that they can continue to bother me with phone calls because I responded to their call.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
To Whom it May Concern : I have been a customer of XXXX XXXX then Navient for about ten years. I have always made my monthly payments. This month ( XXXX ) was extremely hard on me financially. I called Navient and asked if I could have a forbearance just for XXXX. I will be able to pay XXXX. As stated before I have paid monthly since I acquired the loan. I was told there is a {$100.00} forbearance fee. My loan payment is about {$170.00} a month. If I ca n't afford {$170.00} why would I be able to pay {$100.00}. I have federal student loans and have never been charged a fee. They stated that this fee will be applied toward my loan. I do not have the monthly payment and I do not have {$100.00}. I find it unfortunate that a company that I have had a good relationship with for ten years is unwilling to Assist me.

Company response to consumer: Closed with explanation