BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-09
Company: GCFS, INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
The first contact with me on this debt, I asked which debt it was but never was clear as to the original debtor and the amount. It was an old credit card debt and since it was small I was willing to work with the company to make payments if it was truly a debt I owed. They had contacted me when I was out of town with my ill father, so I asked if they could contact me when I was back at home and could verify what they had told me. They stated they would call me back to make arrangements and NEVER DID. I never received a phone call or any type of process service until after I was sued. Apparently, they served me by mail, however because my father was ill and I was helping with him I was staying with my parents. If I would have received any type of legal document I would have made it a point to go to court, there is no way I would just not show up if I knew I had to be in court. I would think there should have been some type of communication or work out prior to taking me to court and there was no such phone calls after the one first call.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19
Company: EQUIFAX, INC.
State: NJ
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:
I tried to sign up for a loan from XXXX and they kept denying my application. They said the credit report was an issue. They check with XXXX. I called XXXX to get my free annual credit report. They said they could not verify my identity and were unable to locate my credit file. They asked I fax my SSN card and drivers license to them with a cover page explaining this issue. I sent them the fax and waited about 10 business days. I received a mail saying that they still havent been able to locate my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09
Company: SYNCHRONY FINANCIAL
State: OH
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 was trying to buy the new XXXX XXXX XXXX from XXXX XXXX on XXXX/XXXX/XXXX and I saw an option with XXXX financing and I checked that and assumed it 's like other financing stuff like cars or monthly plans from XXXX and so on. It did n't state really clear it was a actuall credit card until I finsihed the application. I also checked with some XXXX of XXXX and they did n't even knkw this is a credit card. And it 's from Synchrony Bank and they did n't talk about it is a credit card that I was applied for during my checking out. Apparantly I did n't want to apply for a new card and this is only can be used on XXXX XXXX. I see this as fraud and waste my inquiry on my credit report. Since this is an unaware application for credit card. I already colsed the account on the same day as I knew it was a credit card. I hope to remove the hard inquiry from my 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 2022-02-20
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
XXXX university made false promises about job placement after I graduated and 3 years later I still can not get hired in the field I graduated from

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
What time do you make electronic payment before the end of the grace period for approximately {$3200.00} for XX/XX/XXXX the payment was held by fifth third bank and was not excepted despite there being sufficient funds. I called after making a payment and they confirmed over the phone that the payment was made on time and for the sufficient amount and I was not to worry however the bank still held my payment I have a late charge and a negative report reflected on my credit for this payment of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
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: Account status incorrect

Complaint:
Some companies are reporting late when my payments have always been on time. 

XXXX XXXX XXXX XXXX XXXX XXXX NEVER LATE XXXX XXXX BANK NEVER LATE XXXX XXXX XXXX NEVER XXXX XXXX XXXX XXXX NEVER LATE XXXX XXXX NEVER LATE INQUIRES ARE NOT MINE XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AUTO MALL XXXX XXXX XXXX XXXX XXXX BANK 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 explanation
Consumer complaint received 2017-10-09
Company: PRESTIGE FINANCIAL SERVICES INC
State: IL
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 not removed negative information about my bankruptcy. I 've contacted XXXX on multiple accounts without it being removed. Due to the new law issued XXXX XXXX states that improper or negative and or personal information can not be displayed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09
Company: Bread Financial Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Repeated calls 10 to 15 times a day from various numbers to my cell phone. Telling me to get a lawyer or face the consequences.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-14
Company: CITIBANK, N.A.
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XXXX/XXXX/2017, I received an email message from Best Buy stating that I made a purchase that I did not make. About 5 minutes later I received an email stating the order was canceled. I called Best Buy and the order was correctly cancelled, but obviously my account was compromised. I change the password to the account and they canceled the card and are sending me a new one.  However, I was encouraged to still file a report and to also report to law enforcement.

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 2017-10-09
Company: EQUIFAX, INC.
State: OK
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:
My family is attempting to transfer our wireless telephone service from my mother 's name into my name in order to receive a discount through my employer. However, XXXX XXXX XXXX is requiring an astronomically high deposit of {$500.00} per line, totaling {$2000.00}, to perform this simple task. 

I have been referred by XXXX XXXX XXXX many times to contact Equifax, the bureau that they reportedly pull their credit reports from, to see what could be negatively affecting my credit, but they repeatedly tell me : " it looks like you have excellent credit ''. Despite the fact that I have excellent credit ( FICO score of approximately XXXX ), XXXX XXXX XXXX insists that my credit score is in their lowest credit class XXXX XXXX XXXX XXXX. This directly contradicts correspondence that I have received from XXXX XXXX XXXX by mail, stating that I have a score of XXXX of XXXX, and no key factors are affecting my credit adversely ( see the attached document ). 

I have attempted to resolve the issue with XXXX XXXX XXXX customer service directly on numerous occasions over the past week, and wasted hours upon hours of my time. I have been hung up on repeatedly after being placed on hold for times ranging from XXXX minutes to XXXX hour and XXXX minutes. No one I have spoken to seems to want to look into the issue, and I am repeatedly told " that 's what the system says '', when asked why I am being required to pay such an absurdly high deposit despite my excellent credit. I am growing vehemently frustrated with the poor quality of XXXX XXXX XXXX 's customer service and their apparent predatory deposit practices. I can not emphasize enough the anger I feel at the amount of time I have wasted trying to resolve this issue with XXXX XXXX XXXX directly. I feel as if I am being discriminated against, based on the fact that I am attempting to get a legitimate discount through my employer, despite the fact that my family has been a customer of XXXX XXXX XXXX 's for over 18 years. 

After asking COUNTLESS times, no one at XXXX XXXX XXXX or Equifax is able to provide me with a specific reason why these excessive restrictions are being placed on me. As I understand it, this in itself is a violation of the Adverse Action Notice section of the Equal Credit Opportunity Act. 

Taking this issue to a regulatory agency was not my first choice, but I have exhausted all other means of resolving the problem through XXXX XXXX XXXX and Equifax, and it is obvious they do not want to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05
Company: U.S. BANCORP
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to pay a bill

Complaint:
Initially started beginning of XXXX after I finally received my replacement card. After a few days it was locked and I cant withdraw or pay any Bill 's. It's now XXXX and things are only getting harder please unlock my reliacard it's my money. Sent countless faxes that abide the requirements. This is outrageous! Even signed up to twitter in order to speak with a rep there and they told me if I upload my docs and a selfie through a link it would be resolved in 48hrs it's going on 4 days now since.

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 2017-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Payment made on XX/XX/XXXX from XXXX Checking account XXXX XXXX calls XXXX XX/XX/XXXX @ XXXX to say payment is late I state above. XXXX XXXX representative advises me to file a dispute with XXXX Filed Online Banking Dispute with XXXX bill payment XX/XX/XXXX XXXX reaches out to XXXX XXXX XX/XX/XXXX ( Biller will not speak to XXXX without Subscriber ) XXXX XXXX stated they will not speak to XXXX without me XXXX closes dispute XX/XX/XXXX. Sometime in early XX/XX/XXXX called XXXX XXXX with me, XXXX & XXXX Online banking customer service to try to resolve issue, representative stated that payment would be applied to mortgage payment. I called XXXX XXXX on XX/XX/XXXX @ XXXX 71 minutes transferred multiple times stated payment would be applied to mortgage XX/XX/XXXX payment made with XXXX check at XXXX XXXX location XX/XX/XXXX XXXX XXXX XXXX NY Male from XXXX XXXX ( did not state his name ) left voicemail on XX/XX/XXXX @ XXXX stating to return his phone call. XX/XX/XXXX collection department called @ XXXX ( 29 minutes call ) stating that my XXXX XXXX mortgage is in delinquent status, I stated all the above. Representative was very rude so I stated I would rather call XXXX XXXX directly to rectify. The same day, I called back XXXX XXXX and spoke to customer service representative XXXX XXXX & XXXX on the phone 43 minutes being transferred back and forward Payment directly debt from XXXX account # around the same time ( will show on past XXXX statement ) XXXX was able to get XXXX XXXX XXXX on 3 way and payment was applied XX/XX/XXXX XXXX left voicemail on XX/XX/XXXX at XXXX XXXX stating that they will be mailing out a paper check for the balance that should have been applied to the XXXX XXXX XXXX. Paper check was dated XX/XX/XXXX ( see attached ). Received check from XXXX for overpayment that should of been applied to mortgage dated XX/XX/XXXX received check on / around XX/XX/XXXX which I deposited into our XXXX account via mobile banking on XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14
Company: EQUIFAX, INC.
State: AL
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:
IN PREVIOUS COMPLAINT REGARDING XXXX XXXX XXXX XXXX ( XXXX ), THEY ALLEGED THAT THE ( XXXX ) DID NOT RECEIVE SUPPORTING DOCUMENTS TO DISPUTE A CLAIM OF AN OUTSTANDING BALANCE OF THE ACCOUNT IN QUESTION. I HAVE ATTACHED MY BANKING STATEMENT FOR THE AMOUNT OF {$490.00} DATED XXXX XXXX,2011. AGAIN, MY PERSONAL BANKING STATEMENTS WILL CONTINUE TO SHOW THE {$490.00} AS WELL AS THE {$7700.00} WHICH REPRESENTED THE PAYOFF OF THE LOAN. ALSO, THE CONFIRMATION FROM MY PERSONAL BANK AS STATED IN THE ( XXXX ) RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14
Company: Diversified Consultants, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I contacted the bureaus, and XXXX about a telephone bill that is not mine. I proved to them that I am victim of Identity Theft. An ID Theft Report was sent these companies, they could not validated the XXXX account which was purchased by XXXX XXXX. It seems XXXX has sold the account twice. The second company being DIVERSIFIED CONSULTANTS, which has inserted a negative mark on my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-14
Company: ONLINE Information Services, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX XXXX, XXXX I wrote a letter to Online Information Services asking them to validate a debt that was showing on my credit reports. In this letter, I asked for proof of contractual agreement, COMPLETE accounting of the alleged debt, copy of any judgement obtained by creditor, etc. Online Information Services received my letter on XXXX/XXXX/XXXX and in their response to my request Online Information Services did n't provide me with any of the requested documents. Instead, I was sent an incomplete accounts receivable ledger. Not to mention, the date section of this ledger says " XXXX through XXXX '', yet, this debt seems to be from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05
Company: CITIBANK, N.A.
State: TX
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:
I had XXXX  in XXXX and called citi card they said not to worry they approved me to defer all minimum payments and balances for 3 months then I received a letter in the mail stated my account was closed. I have called multiple times and they refuse to reopen the account or remove the reporting from my credit bureaus.

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 2023-09-20
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting 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:
PLEASE HELP ME WITH THOSE ACCOUNTS AND WITH THOSE INQUIRIES XXXX XXXX XXXX XXXX Date Closed XX/XX/2019 XXXX XXXX XXXX Date Closed XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-14
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Experian continues to report two erroneous bankruptcy accounts on my report. I have disputed it several times and asked for their method of verification, which they failed to respond too. According to their report, the information was provided by the Bankruptcy Court. However, I contacted the Court and received a letter stating that the Court does not report bankruptcies to the bureaus, nor due they assist with disputes. Per the FCRA, all entries on a person 's credit report must be 100 % accurate, complete and VERIFIABLE. Since the accounts can not be verified by the method contained in the report, it must be DELETED!

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 2017-08-14
Company: M&T BANK CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have mortgage with the M & T Bank for our property located on XXXX XXXX XXXX, XXXX XXXX, CA XXXX. We paid {$150.00} more with our XX/XX/XXXX mortgage payment for the shortage in the Escrow account. My wife called M & T Bank and asked them to deposit this additional amount of {$150.00} to the Escrow account. But they did not deposit this amount in the Escrow 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 2017-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
TransUnion continues to report two erroneous bankruptcy accounts on my report. I have disputed it several times and asked for their method of verification, which they failed to respond too. According to their report, the information was provided by the XXXX XXXX. However, I contacted the XXXX and received a letter stating that the XXXX does not report bankruptcies to the bureaus, nor due they assist with disputes. Per the FCRA, all entries on a person 's credit report must be 100 % accurate, complete and VERIFIABLE. Since the accounts can not be verified by the method contained in the report, it must be DELETED!

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 2017-10-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
In XX/XX/XXXX of 2017 Portfolio Recovery added a collection to my credit report for a bill for XXXX XXXX. I sent them a written request to validate this debt. They removed this account from my credit report, and then later added it back without proof of validation and notification they were adding it back. Someone from this company told me if I do n't pay they will take me to court again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09
Company: CURO Intermediate Holdings
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I did not take this loan out!! I tried to work it out with them and they threatened to take me to jail over something that is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Received unwanted marketing or advertising

Complaint:
Hi! 

I have a few questions and complaints about XXXX XXXX XXXX Questions : XXXX. Why is my most personal and sensitive data automatically enrolled to marketing mail without my intentional and clear consent and approval? 

XXXX. Why is it so complicated to permanently opt out and why can't that be done quickly and securely online? Why must a consumer go through so many broken hoops in order to do this and why must a consumer mail a letter to a XXXX XXXX XXXX 

XXXX. Why is the online form not updated in more than XXXX years? Users that have a XXXX number where the first XXXX digit number is greater than XXXX can't use the form to opt out because the form is extremely old. This is the error the consumer can see on the form : " SSN number can't contain XXXX, XXXX or XXXX. First XXXX digits can't be XXXX or greater than XXXX. Please try again. '' The consumer can't try again because they can't change their SSN. I am XXXX of those consumers. 

XXXX. Why there is no support electronic email address where a consumer can report the form bug above? Trying to explain the issue in the form above in a letter that must be sent to a XXXX XXXX XXXX not acceptable in XXXX. 

There is an obvious and contrasting discrimination between how easy it is for the credit companies to give away our most private and sensitive personal data and between how hard is it to stop sharing this data. These companies need to improve data security and privacy policies as well as technology. These sites must encrypt the information and make sure it is sent securely to the server. Currently the social security number and date of birth appears in plain text on the form and is sent unencrypted to the server. 

Thank you!

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