BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-21
Company: TIDEWATER FINANCE COMPANY, INC.
State: MI
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 am trying to pay off an installment loan with promotional with Pioneer Finance. I called their call center to get a payoff amount ( there is a payoff amount listed on their website but it does say to call to confirm ). There is no indication on the website of when the promotional financing period end or what interest amount is due. Upon calling the customer service line, they were not able to provide me with the amount of interest due but did advise that I would owe the entire interest ( I should note that they did not contact me after I requested a call back and the hold times were excruciatingly long ), even though none of this was stated on their website. The representative insisted that all of this information was stated on my paper bill, which to the best of my recollection, I have not received a single copy of in 2017. I did explain that I had recently moved out of my brother 's house but he continues to forward mail to me and WE HAVE NOT received any statements from this company. I am very bothered by the fact that the website is deceptive in the paucity of available information and I was bothered by the fact that the company itself could not provide me accurate information and the information they did provide was contradictory and opaque. I obviously would have paid this balance off well before the finance period ended, had that been made clear to me. This company exhibits much of the same behavior as a loan shark, which is what the laws of this country are supposed to protect its citizens against.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I was assuming that I was creatign a free account on Transunion website. However, that was not the case. The website shows a poor job of telling you if the account you are creating if free subscription or paid. All it says is credit monitoring and that it is a subscription that you can cancel anytime after going to the website from a XXXX search of Transunion credit report. It does n't mention if it is a trial either where you have x amount of time to cancel. All it does is tell you to create a user name and password, enter your personal information, and your credit card and go to your profile. After going to my profile, I had issues getting TU Credit Lock feature to work due to some mismatched information that I do not know of. I contacted Customer support online and offline, Fraud department, and other numbers mentioned on gethuman to resolve the issue but each department kept referring me to call the other where no one knew about the service and the reason for the issue, and how to resolve it. It is then when I looked into the issue myself as I looked to check my profile information on the Transunion site that I have signed up for a paid service and that they took {$20.00} out my account. I contacted the billing department and that stated that since I signed up and automatic payment was made that they will not refund me the money despite their misleading webpage regarding what you are signing up for and if it costs. After informing them that I will make a complaint, they have now updated their page to show the pricing.

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 2022-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 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 2022-02-03
Company: Experian Information Solutions Inc.
State: PA
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 recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDEQ FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. 
Fortunately, in accordance with the FCRA Sections 6058,615 ( ) and 623 ( a ) 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victim 's credit report. 
Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT, except as otherwise provided in 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
Consumer complaint received 2022-07-06
Company: AES/PHEAA
State: LA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I submitted documents for PSLF application on XX/XX/XXXX. I have waited patiently, called multiple times- XX/XX/22, XX/XX/22, XX/XX/22, XX/XX/22 with no progress. I have met all of the requirements for the Pslf program and just can not get Fedloan to respond appropriately or tell me what they need in order to process my application. I have waited XXXX months when many others have waited much less.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: Experian Information Solutions Inc.
State: MA
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:
XXXX XXXX XXXX ; This is unbelievable and it's been over 90-120 days and I'm not sure what's going on. Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of 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 2022-02-04
Company: CCS Financial Services, Inc.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On Wednesday, XX/XX/XXXX, I retrieved a letter from the mailbox sent from Credit Collection Services in regards to a past due balance from XXXX XXXX. I was insured through XXXX for many years until XX/XX/XXXX. Effective XX/XX/XXXX, a new auto policy was written and put into place by XXXX due to much cheaper premium.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I was denied an extension of credit by CITIZENS BANK. On XX/XX/2022 I submitted a credit card application and was sent an Adverse Action notice from CITIZENS BANK on XX/XX/2022. The letter from CITIZENS BANK is proof and evidence that I have been discriminated against. CITIZENS BANK has violated my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: EQUIFAX, 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:
I am submitting this complaint on my own. There is no third party involved. I have sent numerous letters to Equifax, and XXXX informing them that I am a victim of identity theft. Someone opened an auto loan under my SSN. This item in my credit file is from unauthorized use of my social security number and card. I did not authorize the account to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. I'm asking Equifax, and XXXX to Please remove this information from my consumer report under 15 U.S.C. 1681c-2. This is really hurting my reputation and affecting my ability to get a new job and home. I filed an FTC report. Please see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10
Company: Weinman Acquisition Group
State: IA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Received a voicemail on XX/XX/2019 at XXXX XXXX from " Unknown '' number, caller identified her as " XXXX XXXX '' but did not state a company, she stated a docket number and that there was a complaint registered against me and I needed to call to discuss pending actions. 

My husband then received the exact same voicemail for me at XXXX XXXX, at XXXX XXXX my ex husband received the same voicemail as well. All of the exact same scripted call from " XXXX XXXX '' I called them back and was told it was an answering service for a building of 15 businesses, they asked for a reference number, I gave it and was transferred to " XXXX '' with " XXXX XXXX XXXX '' I asked her for a validation letter and she refused stating they had sent one in XX/XX/XXXX. She stated that I called her and would have to verify my SSN, I told her I was not comfortable. She became hostile and told me that they would just serve me papers in the next 24-48 hours. I asked her for her last name and she hung up on me. 

My husband then called and also received XXXX, she then gave him my full SSN # and asked him if that was correct. Then told him she didn't appreciate him calling her and that she had just gotten off of the phone with me and they would just follow through with legal action and " to have fun in court '' I then tried to call them back in order to obtain a validation letter but my number had been blocked, I then called from my work phone and received the same front desk, gave him my reference number and he then said they weren't answering their phones, I told him that XXXX had given my full SSN to a third party and I would like to speak with her, he stated they were not available but would try again and instead hung up on me. I then tried to call back but they had then blocked my work number also, I called from another phone at work and was hung up on immediately after each try until they blocked that number too. I called from a co-workers desk and was immediately put on hold and then hung up on, same thing with another co-workers desk and then tried to call from my friend 's cell phone with a different area code and was prompted to leave a VM, when I didn't, he then received two calls from an " unknown '' number back to back with no voicemail. 

They also blocked my husband 's phone number as well.

Company response to consumer: Untimely response
Consumer complaint received 2018-08-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS
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:
on XX/XX/2018 i sent a letter to capital one requesting them to verify my signature on the item that they say i owe $ XXXX.i haven't heard anything regarding this item that is damaging my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-23
Company: TD BANK US HOLDING COMPANY
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
my wife & I purchased furniture from XXXX and signed up for the 12 month 0 % financing with TD XXXX Card Services. From the first month of payment, bill pay of {$49.00} and {$48.00} was already set up monthly to avoid late payments and interests, and for the last payment {$420.00} was sent and delivered on XXXX XXXX, they claimed that they never got the payment. We were very confident that we paid our bill, but they kept sending us bill and with interest and late payment charges. We called their customer service, when they said they never got the payment, we gave them payment over the phone to settle the balance and told them we are not paying for interest and late payment charges because it is not our fault. The bank clearly stated that it was mailed to them. Up until today we keep getting bill from TD retail card services for late payment and interest on top of interest charges they want us to pay. We have paid everything we owe them, its so convenient for them to say they never got our last payment but all of our monthly payments were received.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-29
Company: SYNCHRONY FINANCIAL
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had  a walmart cred it card through synchrony bank. I was behind on payments and they sent it to  XXXX   XXXX   XXXX   XXXX  for collection. I called them on  XXXX     XXXX    2016  and made payment arrangements to pay off the balance of  XXXX  I arranged post dated payments which were made by direct debit of my checking account. I was given the impression that this would pay off the balance and that would be the end of it. I received my next statement and the balance was almost the same and I saw a late charge had been added which was more than my payment. I called   XXXX   XXXX   back for an explanation. they explained that the charges were added into the 6 month payment plan. I finished the payment plan and now  Walmart is  calling me for the remaining balance of  XXXX . They show no record of payment arrangements.No one can give me a copy of what I was told over the phone. I feel I have been scammed by   XXXX   XXXX   and Synchrony/Walmart. I have other  Synchrony ac counts and none of them have done this or offered to.

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 2017-08-21
Company: BARCLAYS BANK DELAWARE
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received correspondence from this company twice. Both occasions, after requesting validation of debt, and not receiving the validation in a timely manner, or return phone calls, this company filed suit in Special Civil in XXXX County, New Jersey. Let me be clear, at no time did I deny the debt was mine ; I requested validation so that I could compare my information to the information I was being sent. Under the Fair Debt Collection Practices Act, ( " FDCPA '' ), it is my right to request validation of debt. This company ignores those requests. I honestly do not know how their clients can be so clueless as to allow them to continue to do this sort of practice of debt collection.

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 2022-07-06
Company: EQUIFAX, INC.
State: NC
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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: EQUIFAX, INC.
State: CA
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 XXXX is reporting on my personal credit file with Equifax credit reporting agency. This account was opened fraudulently. The account liabilites on my credit report are absolutely confusing and incorrect. Please produce the contract used to verify this account because I have none with them and the information you have is inaccurate. 

( XXXX XXXX XXXX  XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: Experian Information Solutions 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:
I am submitting this complaint on my own. There is no third party involved. I have sent numerous letters to XXXX, and Experian informing them that I am a victim of identity theft. Someone opened an auto loan under my SSN. This item in my credit file is from unauthorized use of my social security number and card. I did not authorize the account to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. I'm asking XXXX, and Experian to Please remove this information from my consumer report under 15 U.S.C. 1681c-2. This is really hurting my reputation and affecting my ability to get a new job and home. I filed an FTC report. Please see attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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:
Capital one performed a hard inquiry on my credit report that I did not authorize.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-03
Company: Checkr, Inc
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Back on XXXX, I XXXX XXXX, submitted an application for a delivery job, with a company called XXXX. This company, uses a third party, for completing background checks, named Checkr. Checkr received my details on XXXX, and stated that my criminal checks would be completed by, XXXX. Upon checking the status of my report on XXXX at XXXX, the completion timeline was then updated to XXXX. I reached out, and only received generic computer generated responses. Then upon checking my report status at XXXX on XXXX, my completion date was AGAIN UPDATED, and is now showing XXXX. This is messing with my income, and good standing as a job applicant!! I again reached out, and received the same response. Stating they could not provide any details of a completion date, or expedite this process! I KNOW FOR A FACT MY CRIMINAL RECORD IS SPOTLESS!!! I CAN NOT GET ANY HELP FROM Checkr, and I am stuck in limbo, looking bad to the company that I am trying to get a job with! Can someone please help me?!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10
Company: EQUIFAX, INC.
State: GA
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: Problem getting your free annual credit report

Complaint:
Unable to obtain a copy of my free annual credit report from Equifax. Have requested two times in XX/XX/2018 ( XX/XX/XXXX and XXXX XXXX ) and still have not received a copy

Company response to consumer: Closed with non-monetary relief