BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-11
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I sent letters to Equifax, XXXX and XXXX on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over XXXX  days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07
Company: Experian Information Solutions Inc.
State: NJ
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:
XXXX XXXX, 2014 its show 30-59 days late I traded my car in to XXXX XXXX XXXX in XXXX ,2014 and they made they paid my remaining balance off late I want it removed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11
Company: Velocity Portfolio Group
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Velocity investment LLC served me with papers to sue for an auto debt that was over 4 years ago ( in Texas ) Would only settle for {$4400.00} and the original was {$5200.00}.

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 2019-12-14
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I scheduled a payment to pay off my balance prior to the program for no interest for a period. The payment was scheduled on-line and the company chose not to process to allow the program to expire and charge me almost the balance in interest. 

This company has hundreds of reviews online of this practice. Please help stop these business practices Attached is my email confirmation of the scheduled payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-25
Company: EQUIFAX, INC.
State: MN
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 contacted this company by phone and email on XX/XX/20 around XXXX. They are reporting inaccurate information which is reporting inaccurately on the credit bureaus as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-18
Company: CURO Intermediate Holdings
State: TX
Product: Payday loan
Issue: Can't contact lender

Complaint:
I received a loan through speedy cash in the amount of XXXX. I set up the loan with them with a specific bank account. I defaulted on my loan due to not having a job. However, I called to set up payment arrangements and speedy cash told me my account has went over to a third party collection agency. They also provided me with XXXX. I never provided them with my debit card from XXXX XXXX information. However, recently a transaction has been charged to my account in the amount of XXXX that I did not authorize. I called to speak with both speedy cash and ad XXXX and both had been blaming each other for this transaction. I spoke with at least XXXX different agents to get clarity on how they were able to access my account that I did n't not provide them with. Speedy cash stated they had this information on file from a previous loan I had through them and retained the information. I told them to no longer charge my card and any payment I make.. It would be made through money order or through XXXX of their local stores. My card was still charged without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: JPMORGAN CHASE & CO.
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2020, my checking and savings accounts were closed with no prior notice. Some autopay transactions were denied so I attempted to log in to the Chase mobile app, however, I received a message saying my account was locked to protect it from suspicious activity. I immediately called Chase to find out what was happening. The phone agent told me that Chase has decided to end their relationship with me and closed my accounts. The phone agent refused to provide me with any reason for the actions taken and state that they did not have to provide me with a reason. The next day, XX/XX/2020, I contacted Chase again to inquire about receiving the balance of the accounts to transfer to a new bank. The phone agent said that they would send a check out in 10 business days. I explained to the phone agent that this was unacceptable as they had all of my money locked in this closed account and I would need to pay bills sooner than the check would arrive. I asked to speak with a supervisor and was transferred to one. The supervisor stated that they could not explain or provide any reason for the closing of the accounts and my only option was to wait for the check to arrive. I asked for a statement or a way to see what transactions were cleared and what would be denied. The supervisor said they can not provide any information about the accounts and I would receive a statement with the check. I explained to the supervisor how I was unable to cover my living expenses due to all my funds being locked I the accounts. They said they could make and exception and I could go to a branch near me to pick up a cashiers check for my remaining balance. I told the supervisor that the nearest branch is a few hours away and I would need to work that out. I then called back on XX/XX/XXXX to arrange the pickup of the check at the closest branch. The phone agents informed me that the previous supervisor I spoke to did not enter the information about picking up a check from a branch into the notes and that they would not be honoring that option. They stated my only option was to continue to wait for the check. It has now been a week since my account was closed and still have no access to my money or any explanation as to why the accounts were abruptly closed without notice. I now have bills that are becoming past due accumulating late fees and potential negative impact to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I have a business account with the U S bank. I escorted XXXX XXXX to the U S bank to open up business account. XXXX XXXX is XXXX. We asked banker XXXX ( bank # XXXX ) for reasonable accommodations under the Americans with XXXX act to allow XXXX to be interviewed in a private cubicle in the same bank to prevent XXXX XXXX personal information from being overheard by the other customers at the counter. XXXX has trouble speaking in low or normal tone of voice due to birth defects. She is on XXXX. And wants to make her life better by starting her own business. XXXX escorted us to a desk approximately 2 feet away from the counter where other customers were opposed to the cubicle approximately 4 yards away from other customers. Plus there was a second cubicle farther away. Both unoccupied. I explained to the above banker that XXXX had the above XXXX and that was there to help her answer any questions that he would have of XXXX and she would authorized me to do so in front of him. XXXX refused. We left. I plan to return and would like help convincing the U S Bank to provide the requested accommodations under the XXXX. THE INCIDENT OCCURED ON OR ABOUT XX/XX/2021 just before noontime. 
I gave a verbal complaint to headquarters and cited XXXX rule of their own business on accommodations. I was informed that the incident or violation didn't qualify for formal investigation nor could the bank honor such an XXXX accommodation. I spoke to a * XXXX by phone on XX/XX/2021. He stated or read the bank notes on the complaint to me and it was whollfully insufficient.

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 2016-08-29
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
Experian has XXXX on my credit report twice though it is the same account. The account was never mine and belong to my daughter XXXX XXXX, in which she has admitted to XXXX so baffle why Experian still has it reporting on my credit report. I have attached a notarized letter informing XXXX that this is her debt. I am again requesting for the fraudulent accounts to be immediately removed. I have submitted an incident report number for the XXXX XXXX XXXX Police Department previously. Also, I have sent a copy of my signature.

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 2020-06-12
Company: CBC Companies, 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: Credit inquiries on your report that you don't recognize

Complaint:
This " credit union '' Factual Data, XXXX, CO XXXX XXXX XXXX XXXX XXXX Has pulled three hard inquires on my credit report without my permission. I have not applied for anything for years. The dates were as follows XXXX, XXXX XXXX Then XX/XX/XXXX and again XXXX, XXXX XXXX. I have never heard of this place and never gave permission to run my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/2020 XXXX & XXXX incorrectly reported my credit card account as late and in violation of CARES ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/2020 XXXX & XXXX incorrectly reported my credit card account as late and in violation of CARES ACT.

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 2019-12-14
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
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 particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04
Company: CAVALRY INVESTMENTS, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2019 I mailed out a letter requesting verification and they had 30 days to submit verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11
Company: Skagit Bonded Collectors, LLC
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Skagit Bonded Collection for XXXX XXXX I asked them to verify debt pursuant to The Fair Debt Collection Act SS XXXX they sent a letter, followed by a phone call on XX/XX/2021 at XXXX XXXX  ( PAC ) time, stating that they are not required to send me anything. I sent certified letter on XX/XX/2021 notifying them that their response did not comply with the FDCPA SS809. Cease all collection activities until they comply by providing me the requested information. I will be seeking civil liabilities pursuant to section 813 for wilful noncompliance. 

I obtained a copy of my credit report on XX/XX/2021 Skagit Bonded Collection is on there.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11
Company: Experian Information Solutions Inc.
State: NC
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 under the assumption based on ads, banners on the website and info in the news that my loan would automatically be put in Covid forbearance starting XXXX of XXXX like a few of my other accounts. When I found out that this was not the case only after my credit took a serious nose dive due to late payments I reached out and was told I had to call in and ask for a forbearance, which I did. I asked if they could at least remove the late payments as the since they can tell that I started missing payments at the start of COVID. I explained that I waXXXX XXXX  and had to leave my job out of precaution. I am now back making my payments. 

My complaint has falling on deaf ears and. Ow I can not refinance my home due to all the late payments from XXXX and 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 explanation
Consumer complaint received 2021-12-11
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/2020 XXXX & XXXX incorrectly reported my credit card account as late and in violation of CARES ACT.

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 2020-06-12
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
Hi I received an email from ACE Cash financial Group inc saying that if I didnt pay a certain amount they would take me to court. But I never applied for a loan from them. They have all of my information and say that I owe {$1000.00} and that if I dont work with them I would be taken To court. They first emailed me on XX/XX/2020 and have sent more emails saying how much to pay for them to keep me out of court. Again I am saying I never applied to get a loan with them. I did end up paying {$200.00} cuz I was scared but then realized I didnt recognize the company so anything you can do to help I would appreciate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX  you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-11
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I moved into XXXX XXXX XXXX XXXX, TX on XXXX/XXXX/2013, with the rent of XXXX a month. My income begin to change and advise the property management XXXX XXXX XXXX of this. I advised that i would need to find a way to work out paying my rent each month, this was 4 mths after moving into the home. They did not want to work out a deal money wise and took advantage of my financial shortcomings and charged me {$2900.00} in late-fees, placed an eviction behind my name that was thrown out by the court, and also was had me placed with a property manager XXXX XXXX that was very mean displayed racism to me every-time i called. an spoke to XXXX XXXX who advised me that as long as someone moved into the home after me and took over the lease i would not be responsible for the rent. I moved out in XXXX and another couple took over the lease the next month. They were not only staying in the home the month of XXXX 2013, but they also were using my gas service ( XXXX ) and i was unaware until i receive a {$600.00} bill. I should only be responsible for 1 months rent and partial amount of latefees, as these late-fees are very prosperous. I was also charged with cleaning the home, and the home was clean, and their was nothing broken because i made sure to clean and spot check the home. I feel that in part this remainder debt {$5800.00} debt belongs to the people that leased this home to after me and destroyed their property. I also have eviction on my name that is false, they served a eviction in XXXX, and lost the eviction in court due to illegal eviction, could not prove case and payment was made and accepted. The home owner was charged {$250.00} for not showing up in court and providing evidence for claim, which he tried to make me pay and have also listed it on this fee sheet {$100.00}. I wish for this to be removed from my name as this is an illegal eviction. I was not evicted i moved out of the property due to financial difficulties and was allowed to do this by XXXX XXXX owner of XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I am in the process of disputing several inaccurate items on my credit report which has taken several months to resolve. While attempting to access my report via Experian, I have been denied access to my records. This is highly frustrating and the website informs me that I now need to buy a report from them. I am not interested in spending money to correct errors and omissions on my report just to benefit Experian 's profits. I have tried several times over the course of a couple weeks 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 2021-12-11
Company: Carvana Group, LLC
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: Information belongs to someone else

Complaint:
I placed a fraud alert on my credit report on XX/XX/2021 as I noticed several credit inquiries on my credit report. 

Several credit providers rejected the person trying to use my identity. Only one extended credit, Carvana. They sold the person a car and provided him/her a loan on XX/XX/2021. Approximately {$35000.00}. 

I have contacted Carvana several times. I have filed a police report, but they don't like the format. They refuse to remove the item from my credit report. It now shows as delinquent. They want me to jump through several hoops ( including having the police department do things I can't make the do ) before they will remove it. I plan to buy a house in the near future and they are impacting my credit negatively ( my XXXX score dropped over XXXX points ). Carvana has very poor controls and it is impacting consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Hi there I tried to contact Free Annual Credit Report on XX/XX/XXXX,  and submitted to CFPB on XX/XX/XXXX also the first complaint re not getting my Transunion report ( or XXXX report ). On XX/XX/XXXX I had a response to complaint XXXX about TRANSUNION. Transunion asked me to resubmit complaint with a copy of two documents ( documents to choose from a list - one being a bank statement ) - because they wanted to see my latest mailing address. I am now resubmitting the complaint with two copies of bank statement from within last two months. Please send me my free credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I sent documentation to the three credit bureaus to remove XXXX XXXX XXXX from my credit report along with a letter from XXXX XXXX. The file was not removed from 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