BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-30
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: Information belongs to someone else

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. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

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 2018-06-08
Company: First Data Corporation
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX tried to collect my medical bill without my creditor 's approval, XXXX XXXX XXXX. Apparently XXXX debited my checking account for the amount of {$1300.00} without my approval. As it turns out, I paid the medical bill a few days later with a check to XXXX XXXX XXXX, without realizing XXXX debit against my checking account. In my opinion, this transaction was a totally a fraud. I complained this to my bank. My bank credited the amount within two weeks.

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 2023-04-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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:
XX/XX/2023 I am largely inconvenienced due to the Neglect to properly verify All information before Capital ones ( XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX on letter XXXX XXXX XXXX XXXX, VA XXXX on envelope ). issuing a credit card in my name. Its overwhelming and stressful to try to regain any form of peace and security during the process of protecting myself from future attacks. my address is public record. Therefore, providing a card with the use of ( an out of my state address, false income amount. my zip code with a out of state address on the application ), and All of my personal information is Neglect on capital one behalf. Also, the person ( s ) that stole my personal information Must be held responsible for their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: ENOVA INTERNATIONAL, INC.
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
In XX/XX/XXXX I applied for a loan with NetCredit. I received a loan in the amount of {$8600.00}. For the next XXXX years I made payments of {$220.00} every two weeks until I stopped in XX/XX/XXXX. I made payments totaling {$11000.00}. No additional charges or funds were received from NetCredit. Currently, NetCredit is trying to collect a remaining balance of {$10000.00}. This a a predatory loan and it is unethical for me to pay over double the amount borrowed. I do not feel comfortable, morally or financially, continuing to pay them. Because of this the account is negatively impacting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Sometime between  XXXX  and  XXXX   2017 ,  Citi Credit Services closed my Home Depot account and sent it to collections. I was never behind on any payments, nor was I in default. The collections agency has told me that Citi closed my account because someone has reported that I had filed bankruptcy, which I had not done. Citi will not let me log in to service my account online any longer, no will they speak to me on the telephone, stating that my account is now in collections and I have to only deal with the collections agen cy. Th ey will not even give me any assistance as to when or how they received the incorrect information so that I can file a law enforc ement identity theft re port.

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 2022-09-09
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX, I settled my JCPenney MasterCard Account with XXXX XXXX XXXX The Balance at the time was {$5500.00} and we settled at {$2200.00} over 24 monthly payments. We sent a total of 19 monthly payments from XX/XX/XXXX all the way through XX/XX/XXXX ( total of {$1500.00} ) and then in XX/XX/XXXX we received notice that XXXX XXXX could no longer honor the settlement because they no longer had it in their office. This obviously made no sense to me because we had an arrangement in place that was taken care of and then out of nowhere it's no longer in place? That is incredibly unfair! I tried reaching out to XXXX XXXX but they told me they could not do anything and that it was Synchrony Bank 's decision to " recall '' 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 2017-06-19
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
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: Credit inquiries on your report that you don't recognize

Complaint:
i have about  XXXX  credit hard inquiries that were randomly on my account all within a weeks time frame.     I did not make these inquiries as I was building my good credit starting at a score of  XXXX , and these inquiries knocked me down to a score of about  XXXX  I have contacted the credit bureaus as well as the credit companies who processed the hard inquiries.   They said it was authorized, although this was online transactions, that I did not do!     I have authorized  XXXX  inquiries but at the time my ID was stolen by a former roommate, so I am assuming it was inquiries by this individual who no longer lives with me ... if not it has to be hackers!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: EQUIFAX, INC.
State: OK
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:
15 US Code 1681b-The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. 
-This congressional law clearly states that the consumer report agencies compile information for the purpose of furnishing consumer reports to third parties. So this company is in fact the furnisher of my consumer credit report, which I never gave written instructions. By law they must have written instructions from the consumer to furnish any information pertaining to my private information. This information that is being assembled and evaluated is not public accessible so therefore my right to privacy is also being violated. 
15 U S Code 1681b ( 2 ) permissible purpose of consumer reports- In accordance with the written instructions of the consumer to whom it relates.

15 U S Code 1681b ( 3 ) states to a person which it has reason to believe- ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer 15 US Code 1681a ( 3 ) ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. With these laws stated you can see how this company is breaking the law by furnishing, assembling or evaluation my consumer information without my written consent or instructions. My private information, which are also identifiers, are furnished by this consumer reporting agency. I demand that this company cease and desist from reporting the following negative accounts on my consumer credit report immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and all fed loans and us department of education accounts XXXX and XXXX XXXX XXXX. These accounts are to be deleted immediately upon receiving this. I

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19
Company: Credit Plus 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: Credit inquiries on your report that you don't recognize

Complaint:
i have about  XXXX  credit hard inquiries that were randomly on my account all within a weeks time frame.     I did not make these inquiries as I was building my good credit starting at a score of  XXXX , and these inquiries knocked me down to a score of about  XXXX  I have contacted the credit bureaus as well as the credit companies who processed the hard inquiries.   They said it was authorized, although this was online transactions, that I did not do!     I have authorized  XXXX  inquiries but at the time my ID was stolen by a former roommate, so I am assuming it was inquiries by this individual who no longer lives with me ... if not it has to be hackers!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
In  2015 I was trying to build up my credit so I applied for a card through Walmart, I got approved for a card with a {$500.00} dollar limit, my first payment made online went through fine, when I went to pay it again they charged me a  XXXX  dollar fee. I was only paying a little over half the bill due to a small lack of funds at the time but I had hoped to be able to pay the other half with my next check. I only had a little over {$60.00} dollars in my bank account so I thought to pay {$30.00} on my card, when I went to check my account balance the next day it shows that they took out the whole {$60.00} even though I had only stated in the payment to pay {$30.00}. I thought maybe it was a one time only thing since I was paying online, so the next time went to make a payment online I checked and sure enough I got charged again. I was struggling with funds due to a small lack of some income that had stopped temporarily. I just quit using the card at the time and made no more payments. I had planned on paying it off with taxes the next year but by then it was with a creditor. I do not remember reading anything in the fine print of charging any kind of online processing fee, I know several people who have had cards through Walmart and ha ve had no problems,

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 2022-09-09
Company: EQUIFAX, 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: 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 heck 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 XXXX  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 XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19
Company: Mid-America Accounts Control Bureau, Inc.
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In  XXXX  of    XXXX     MID-AMER ACCOU NTS CO  XXXX , MO  XXXX  (  XXXX  )  XXXX  Contacted me and said I owed {$800.00}. I asked them to mail me out what I owed and to whom, "  XXXX  '' said he would. I called b ack 2 week s later and someone else said I would need to login to the website first. They would mail me the account number to setup the account. They did n't. I called back a couple weeks after that and spoke to the owner. He told me that no one would tell me that and I was a liar and I needed to pay the money. I finally got the amounts and dates from someone there. They will not let me pay current owed amounts until I pay bills they allege I owe from  XXXX , 14 years ago and told me there is no limitations on collection. I am paying the original creditors directly a nd Mid-America is reporting derogatory remarks to my credit history before they remove them as paid. I believe they are doing that to ruin my credit score and it is working. All because they refuse to mail me anything in writing or let me pay them the accounts they hold. They are horrible people. I have been working with other agencies this year and have not had any issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
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: Old information reappears or never goes away

Complaint:
Im on hold as we speak, after speaking to equifax several times regarding my disputes Due to Covid, I could not pay original credit company and I ask equifax to make a not of My concerns and let companies know my status I ask that the old account be removed Instead my account was sold to a different credit And my past is affecting my future Please help thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: CCS Financial Services, Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Hi I paid a collection as a full and final settlement with the intent and understanding that it was going to be deleted with payment. The payment was made in XX/XX/2021. But the collection is still showing in my credit report as closed with balance XXXX. 

I called the CCS collection agency and spoke to them. They say they can not remove the entry from my credit report. When they called me for collection in XX/XX/2021, they did not clearly tell me that even after this payment, the collection will not be removed from credit report. Neither was i given any initial notifications of the collection prior to it hitting my profile with the bureaus. 

I want to get this collection removed from my reports. Please help me. 

Regards XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 has removed anything negativity affecting our credit report and account but TransUnion removes the negative historical payment history from report and then puts it back on report the following month. We cant dispute it because their site says we have an error disputed this account already. Account is showing 180 days late or missed 4 months in error. If TransUnion actually call XXXX they will see information was being reported incorrect. We have tried and failed several times to get TransUnion to correct error as all other reporting agencies have removed the error from our credit report.This is affecting our credit and buying power.

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 2017-06-19
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
My credit limit was lowered by {$150.00} because the minimum payment for  XXXX  was not  paid on time. I have since paid it, and I 'll admit that it 's about two weeks late. However, I do n't think I should be penalized in this way because my payment was two weeks late. I have had this best buy card for 9 years and I have never gone over the limit or missed a payment. But, the continuously lower my credit limit, diminishing my credit score. This is not fair and it shows that the company has little interest in helping consumers strengthen their credit profile. What it does suggest is that the company is actively engaging in practices that minimize a consumer 's credit profile. As a result of this change, my debt to credit ratio will be impacted, further driving my credit score down. I have worked hard to pay my bills on time and despite how Best Buy is treating me I continue to patronize the company. But, this type of behavior is telling me business is not appreciated and maybe I should take it elsewhere.

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 2017-06-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XXXX was bought out by Captal One Bank They are saying they have no records of these CD 's and assumed we cashed them out or do n't remember bc of my age or not remembering my own name. 1st CD deposit # XXXX principal amount {$1100.00} issue date XX/XX/XXXX apr 5.88 % maturity date XX/XX/XXXX term 18 months and then renews itself 2nd CD XXXX {$1000.00} issue date XX/XX/XXXX maturityXX/XX/XXXX term 36 months 5.6 % interest rate frequency rate monthly 3rd CD XXXX {$5400.00} issued XX/XX/XXXX maturity XX/XX/XXXX term 18 months 4.75 % interest rate frequency monthly 4th CD XXXX {$3000.00} issued XX/XX/XXXX maturity XX/XX/XXXX term 36 months 5.45 % interest rate frequency monthly FDIC has no record of any of them even being recorded pathetic that they should at least owe me what I invested but they do n't even show I made the transaction in the first place but I have all the documents!!! Do I need to get a lawyer for something I should n't have to?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: National Credit Adjusters, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have put a fraud hold on my credit account with all three major credit bureaus regarding fraudulent activity. There are a few items that don't belong to me and need to be removed ASAP. I contacted the creditors and they will not remove it. It is hindering my credit. These are the accounts that are fraudulent and need to be removed ASAP : NATIONAL CREDIT ADJUST XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Acct : XXXX INQUIRIES XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX  XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
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 was XXXX over seas and had no access to a computer to pay my bills so i set up a auto pay for an account but it didn't go thru and by the time i got back in the country it was to late to correct and they would not help me even though they said the auto pay should've gone thru.

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