BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-11
Company: EQUIFAX, INC.
State: MA
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30
Company: Tower Loan of Mississippi, Inc.
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I am currently receiving multiple calls per week at my job from Tower Loan. They have continuously called my school, as I am an XXXX, even though my account is current and NOT past due. I have contacted them multiple times and told them to not contact my workplace, especially if my account is current, but they have continued to call. This is due to a lack of organization on the part of the business. They have also mistakenly contacted me regarding other customers accounts.

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 2020-02-12
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: Problem with personal statement of dispute

Complaint:
I have reached out to Experian in regards to an account listed on my credit report requesting validation that this debt is in fact mine. Experian claims to have validated this account on several instances, but did not send me proof of how they validated this alleged debt or who validated this debt as requested. Below is listed the days I sent letters to Experian seeking proof of this debt : Experian XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Experian continuously violates FCRA laws by not properly validating this alleged debt and refuse to remedy this 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 2017-09-08
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Hi, I signed up for the US Bank XXXX XXXX credit card. One of the features of the card is that it earns 2 extra points per dollar on mobile wallet purchases, such as XXXX XXXX, XXXX XXXX, or XXXX XXXX.
My account was closed because I " abused '' the 2 extra points per dollar use by purchasing gift cards via XXXX XXXX. I spent about 400-600 dollars per month on gift cards on XXXX XXXX, and about 100-200 dollars per month on other purchases using XXXX XXXX  totaling about 1,000-1,600 extra points per month. This equates to roughly $ 10- {$16.00} per month. For a credit card with a {$400.00} annual fee, I believe that this is not a significant amount, similar in spending that I do with other credit cards that give extra bonus points for gas or restaurant spending.
Furthermore, the use of XXXX XXXX to purchase store gift cards is not explicitly disallowed in the terms and conditions. The terms and conditions ( XXXX XXXX XXXX ) state that " Qualifying purchases do not include Convenience Checks, Advances ( including, but not limited to, wire transfers, travelers checks, money orders, foreign cash transactions, betting transactions, lottery tickets and ATM disbursements ), Balance Transfers, Interest Charges and Fees, credit insurance charges, transactions to fund certain prepaid card products, U.S. Mint purchases, or transactions to purchase cash convertible items. '' I believe that US Bank thought that my gift cards were cash convertible items. However, they were gift cards on sale that I purchased to obtain a discount on future purchases that I would already make or give to others as a gift ( pay {$20.00} for {$25.00} XXXX XXXX gift card, for example ).
My online account is closed off to me so I can not attach any documents or statements at the time.

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 2017-09-08
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
Equifax negligently allowed, intentionally or otherwise, outside parties to access my personal information including name, SSN, and DOB. Equifax neglected to take necessary steps to protect this information and has a history of ineffective and improper security passwords including emailing PLAIN TEXT PASSWORDS to their users ( XXXX XXXX XXXX, known since 2011 ). If Equifax can not handle proper password encryption procedures, I can only imagine how improperly they handle the rest of their consumers ' personal data which I am sure contributed to this failure in security.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: Experian Information Solutions 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:
I, XXXX XXXX, am a victim of identity theft and attached below is my FTC identity Theft Report. I fully authorize this notice and compliance. I have also mailed in all respective CRA 's my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft XXXX XXXX  Late Payments from XXXX, XXXX XXXX, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-10
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:
I, XXXX XXXX, am a victim of identity theft and attached below is my FTC identity Theft Report. I fully authorize this notice and compliance. I have also mailed in all respective CRA 's my identity theft affidavit. I have never authorized or gave XXXX written consent to any XXXX party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft XXXX XXXX  Late Payments from XXXX, XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26
Company: Commonwealth Financial Systems, Inc.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX date of birth : XXXX My credit report is showing accounts I can not get resolved because when I search address to creditors it says fraud or address does not exist. Can you please help assist me? I do not know how to correct my credit report if creditors can not be tracked down. 

I need the original owners/bill collectors address of my bills so I can pay my bill. I dont even know if these are my bills and I keep asking for help my going through XXXX XXXX and have submitted paperwork to all three credit reporting agencies in the past. I have no clue who the bills originally were billed from and I do not know if these creditors are real. I want all bills mailed to my home address so I can approach paying my bill to the original bill collector. 

XXXX XXXX XXXX XXXX XXXX, XXXX , WI XXXX. Acct : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX, OH XXXX Acct:XXXX, XXXX, XXXX, XXXX Commonwealth Financial XXXX XXXX XXXX XXXX, XXXX PA XXXX and XXXX XXXX XXXX XXXX, XXXX PA XXXX. Acct : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Paid up with Bank of America. Have proof. Have proof of insurance scam. Have proof of forged documents.even have them on tape admitting that what they did was a mistake. Went to Sen XXXX in Delaware. Had all proof .They worked WITH BOA. Saying they would help. But stood by and did nothing.My husband was AT the XXXX XXXX in XXXX. To hear about the XXXX XXXX in protecting XXXX buildings and hear bullets zing by hitting the building. BUT you have to stand there because you are a XXXX. XXXX XXXX. he served and still had to leave his home after 12 years. Why because of the country Wide, BOA mess. And no one wants to help in Delaware.Please help us. XXXX XXXX XXXX XXXX XXXX XXXX We have proof. in writing and on tape.

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 2017-09-08
Company: Navient Solutions, LLC.
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I am attempting to release a co-signer from my loans. This has been problematic because I live and work XXXX. A successful co-signer release involves a few things but in my case paying 12 months consecutively with no late fees is the issue.
My lender does not currently have the ability to offer me auto payments via my international bank so I can not ensure on-time payments. My earnings are made in a foreign currency and I must convert and send payments over to my XXXX XXXX account which is where the problem lies. I am at the whim of the intermediaries capabilities to deliver the funds on time to make the payment.
All other requirements check out. It just seems it will be impossible to accurately target 12 months on time payments when the deciding factors are not in my own hands, being a reflection of my credit worthiness.
This fact has been confirmed with a representative as being a sad and unfair situation, but, nothing is available in terms of solutions from their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: NJ
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:
As a result of Equifax being hacked, my personal information was leaked to the public for use by malicious agents. I have been forced to place a 90 day fraud alert on my credit report, and constantly monitor it going forward because I am at an increased risk of identity theft. Their decision to compensate me with just one year of Identity Theft protection - on the condition that I forfeit my right to participate in a class action lawsuit against them! - is not enough to make me whole and as such I will not be accepting it. Instead I will procure identity theft protection at my own expense so that I can make sure that Equifax is held accountable for their actions to the fullest extent of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
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:
Equifax data breach. I am a potentially affected party, as stated by Equifax 's own website portal. The company provided my data via hacking to a third party ( or multiple parties ) which opens me up to fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I was made by XXXX XXXX XXXX to open a Care Credit account to pay for extensive dental work when they said they wouldn't take my XXXX XXXX XXXX XXXX anymore. I did so the day of a mouthful of extractions in prep for dentures. I was told you had XXXX months of no interest. I was anesthetized heavily and after surgery so I did what I was told to do to put {$1300.00} on care credit on XX/XX/XXXX, I paid {$1000.00}, and used XXXX  on balance. Eventually I needed an alveoplasty and XXXX implants for an implant supported bottom denture, so approx.another $ XXXX was put on the charge. Been paying $ XXXX month for the last XXXX months. Left {$1100.00} left at the XXXX date, XXXX days ago, when Synchrony Bank added {$700.00} interest charge to the acct stating I didn't pay it off in XXXX months. First, I was never told I would have to pay it off in order to avoid a {$700.00} interest charge on an {$1100.00} balance. I spoke with an account manager yesterday and she said all they could do was take the interest off if I paid the {$1100.00} balance by XX/XX/XXXX. I said I am a senior citizen on partial social security and can't do that. She wouldn't budge. Plus, neither did XXXX XXXX say anything about having to pay a big interest dump if it wasn't paid off in XXXX months. Plus I was anesthetized at time card was instituted on me. I couldn't have read a thing! And the girl taking payment wanted out cause was end of work day and was angry and impatient at how long XXXX processing took. Also, in XX/XX/XXXX I received a new Care Credit card in mail and I assumed it was just a newer XXXX so I activated it. Turns out it was a XXXX. I called them and said I didn't want a XXXX and that I had an XXXX month interest free deal on Care Credit XXXX I was told that was still ok to be continued, again, not a word said to me that if I didn't pay it off at XXXX month mark I would be scammed and deceived by dumping {$700.00} interest onto acct.balance. By doing that it took me over my limit and will cause my credit rating, which was above XXXX, to be destroyed. This was abuse of older person by both XXXX XXXX XXXX and Synchrony Bank without disclosure of penalties and without up front forthcoming verbally of true terms of this card. My XXXX XXXX dental card was free and never had interest.

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 2018-06-25
Company: ALLY FINANCIAL INC.
State: DE
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:
There are several inquiries on my account that I did not authorize. I have tried disputing these with the company but to no avail

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 2022-07-12
Company: DISCOVER BANK
State: WI
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:
Something is very wrong with your mobile app and your website in the way that it displays scheduled automatic payments. My payment is due on the XXXX of every month. I am enrolled in automatic payments. I had recently changed the amount of my automatic payment as my balance decreased ( it was previously {$300.00} per month but since my statement balance is now less than {$300.00} per month, I revised it to pay my statement balance ). 

Because I did this, I went in last night to ensure that the payment processed. Around XXXXXXXX p.m. central time, I logged in to the app. To my surprise, the next pending automatic payment reflected was going to be paid XX/XX/2022. I then checked the posted payment section and that revealed no payment was posted for XX/XX/2022. This was concerning as there did not seem to be a payment scheduled for XX/XX/2022. I then went to the website to confirm that this wasn't just an app issue. The website, too, reflected that there was no posted payment and no pending payment for XXXX. I have a perfect payment history and did not want to incur a late fee or any other penalty, so I scheduled a manual payment to be paid XX/XX/XXXX in the amount of {$300.00}. To my surprise, when I logged in this morning, an automatic payment posted on XX/XX/XXXX in the amount of {$230.00} and my manual payment of {$300.00} that I scheduled is in the " Scheduled '' section and not the " Posted '' section. 

This makes no sense as the automated payment of {$300.00} was not reflected anywhere in my account on XX/XX/XXXX, neither as a pending nor a posted payment. It appears that this payment goes in to some kind of " limbo '' bucket where it is neither a posted payment nor a pending payment. This is a UDAAP violation. This is unfair and deceptive, as it caused me to make an additional payment to you that I would not have otherwise made. I could not have reasonably avoided any of this as your systems did not reflect any pending or posted payment as of XX/XX/XXXX. 

Screenshots 1-3 were taken at approximately XXXX p.m. on XX/XX/XXXX, and Screenshots 4-5 were taken the morning of XX/XX/XXXX. Please refund my payment in the amount of {$300.00} and fix your systems so you can see that there is an automatic payment pending the day that it is scheduled to be paid!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: Continental Finance Company, LLC
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have a credit card with XXXX ( XXXX XXXX ). I have my payments automatically deducted from my bank account every month on the XXXX. My account was paid in full on XX/XX/2022 for the amount of {$120.00}. On XX/XX/2022 I logged on and it was not showing that the payment had been applied ( even though it was deducted from my bank account on XX/XX/2022 ). I was going to be applying for a mortgage and needed my credit card balances at XXXX so I made another payment for {$120.00} on XX/XX/2022. I assumed the other payment didn't go through and that they would credit me eventually for both payments. Today, XX/XX/2022, I logged into my account and my statement showed that both payments for {$120.00} were on my account but they didn't credit my account for the one made on XX/XX/2022. I called the credit card company, spoke to a csr and he agreed that the payment " was lost in their system ''. I waited an hour to speak to an account specialist who refused to do simple math and see that the second payment wasn't applied to my account. She seemed very confused and kept saying that I had a BALANCE of {$120.00} going into my next billing cycle even though I pay my balance in full every month and it even shows that I don't have a balance, but actually a credit. She refused to help me and I told her I wanted to close my account and I would be pursuing help to get my money back. She closed my account and told me that I needed to pay the balance.

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 2017-09-08
Company: EQUIFAX, INC.
State: OR
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:
My information was mishandled by Equifax and opened up to theft, putting me and millions of other people at risk. I was identified as a potential breach victim when I checked in at their equifaxsecurity2017.com website. 

They did not notify anyone quickly enough, and have admitted that they will not notify everyone. 

In addition, when you sign up for " protection '' on the Equifax website they sneak in an anti-arbitration clause. 

I would like a resolution on this. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: EQUIFAX, INC.
State: NY
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:
LET IT BE KNOWN THAT THIS IS MY SECOND ATTEMPT TO HAVE THIS UNVERIFIED INFORMATION REMOVED FROM MY CREDIT REPORT. IF YOU CONTINUE TO IGNORE MY REQUEST TO VERIFY THESE ACCOUNTS ( I.E. : AN ORIGINAL CONSUMER CONTRACT WITH MY SIGNATURE ON IT ) I WILL BE FORCED TO SEEK REFUGE IN COURT SEEING AS YOURE VIOLATING MY LEGAL RIGHTS AND ABUSING YOURE AUTHORITY. ITS BEEN 30 PLUS DAYS SINCE MY LAST REQUEST, PLEASE SEND ME PROPER VERIFICATION ON THE FOLLOWING INQUIRY ACCOUNTS OR DELETE THEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: Experian Information Solutions Inc.
State: NE
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:
XXXX XXXX credit card account opened in my name and used to ship items to address XXXX XXXX XXXX XXXX NE from the information I have been able to gather. I owned my own house and was paying a mortgage at XXXX XXXX XXXX XXXX XXXX ne XXXX when this account was opened and used to buy girls clothes, a vacuum and other misc items I would have had zero use for. My XXXX email account was breached and hacked in 2016 as well as XXXX. I have sent letters and identity theft report documents. I learned that I was a victim of identity theft just here recently by the IRS and Ive been trying to dispute this for years not knowing my rights under FCRA and now they will not remove the inaccurate reporting and negative information about me after receiving information that this account is not a result of me receiving goods or opening this account. Is it possible to get the IP address of where this was opened from? Its not from my house which would further validate this.

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