BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-14
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: Investigation took more than 30 days

Complaint:
I am a victim of Identity theft. I contacted all 3 bureaus as well as the credit company and I provided each of them with the credit reports with the circled fraudulent information. A copy of the police report. A copy of the letter from the Medical office who wrote me to alert me that my personal information, as well as my identity, had been compromised. I also provided a copy of my current driver 's license as well as my social security card. I have written the agencies 3 xs and have not gotten any relief or support.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
On XX/XX/2021 I received a letter from Capital One saying I'm not eligible for a credit line increase. 

The letter stated : " We want to help you understand why : The credit reporting agency has reported a recent credit delinquency Your current credit score is too low. 
Please see the back of this letter for determining factors. 
" Our credit decision was based in whole or in part on information obtained in a report from the consumer reporting agency listing below. '' " The reporting agency played no part in our decision and is unable to supply specific reasons why we have denied credit to you. " " We also requested your credit score to make our credit decision. Your credit score is a number that reflects the information in your credit report. '' I talked with XXXX ( XXXX ) of Customer Resolution Team on XX/XX/2021. She " supposedly '' filed a complaint. In that phone call she obviously didn't know my rights pursuant to federal law. 

I'm the original creditor, I can't be denied my own credit for reasons they have stated. I have sufficient reason to believe I am being discriminated against for whatever reason. Of course they are not going to admit it but their actions prove other wise because they have no legitimate reason to deny me of my own credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Today at XXXX I called Nissan Financial to ask for past due payment and the upcoming payment moved to the end of the loan. I had a guy who refused to give me his name and was very hard to understand. I explained to him for him to submit my request and he asked me right away why? I replied because of covid19 my hours have been reduced at work and I am only part time right now. He said well I can only move one payment to the end of the loan and I said but my next payment is around the corner. Then he said that he was going to report me to the credit burea for not paying car loan. From my understanding late fee during covid19 are being waved and late payments are not being reported because of covid19. All that I asking is for my past due payment and payment due on XX/XX/XXXXmoved to the end of the loan.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08
Company: TRANSWORLD SYSTEMS INC
State: IL
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 settled the debt I owed to a collection agency via a rental home I owed on. They did not remove the account off my credit report like promised after I paid the balance. I still am unable to rent rental homes due to this collection still being on my account even though it was PAID. I checked with the original creditor and they have been paid and verified that as well. I need this collection marked as paid and removed so when my credit is ran by rental home companies I am able to be approved to rent. Please fix this is causing me to be XXXX with XXXX children because I can not get approved when this account is paid and old. Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX : {$2900.00} XXXX XXXX XXXX : {$1000.00} XXXX XXXX, XXXX. XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
My name is XXXX XXXX there is no XXXX party involved in the filing of this complaint and this complaint has not been made in error.

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 2021-03-19
Company: Kriya Capital, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/2019, I had a XXXX and was taken to the hospital in an ambulance operated by XXXX XXXX XXXX. Initially, my health insurance only paid {$560.00} towards an overall bill of {$3800.00}. When I called my health insurance, and explained that this was an emergency situation and that I was admitted to the hospital, my insurance paid XXXX XXXX XXXX an additional {$3300.00}. 


XXXX XXXX XXXX has contracted with Credence Resource Management to collect the debt of {$3300.00}. They have called my phone and sent bills via the mail many times over the past 2 years. I have told Credence Resource Management every time that this bill has been paid and to stop contacting me. I got yet another bill in the mail today and I'm sick to death of being contacted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-19
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
Experian Monthly Subscription No response to XXXX Dispute Report XXXX XX/XX/2021. 

Denied being able to dispute XXXX FIOS overcharged for the retailer not communicating with XXXX billing end of service/return of equipment. 

Notification unable to locate credit file, directed to contact Experian XXXX for XXXX residents. 

Refused process of online disputes. 

Call 888 # social security number not recognized by automated system for services. 

Payment for denied service.

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 2021-03-19
Company: Mr. Cooper Group Inc.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I asked them several times about applying after they asked me to refinance. I asked will this hurt my credit score if i apply the representative several times would not answer and kept pushing to sell me. 

I asked a legal question. They legally did not provide what was asked for. They recorded the conversation. 

I wish to sue them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: Specialized Loan Servicing Holdings LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
SLS is my mortgage company they continue to harassment working me out of my house. Ever year they sent shortage on escrow. Last year I told them Im on a fixed income. I paid the XXXX lister they raised my house payment from XXXX to XXXX again this year they are doing the same thing they want XXXX and the raise my payment XXXX. I told them I wanted to pay all the escrow so my payment stays the same. They are refusing that to force my payment up again. This is the worst company. They dont give you options. Its like they are slowly pushing me out of my home.

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 2021-09-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Portfolio Recovery ( https : //www.portfoliorecovery.com/ ) will not stop contacting me. I've talked to them roughly 20 times and have asked them to please stop calling my number as the person they're looking for either doesn't work at our school anymore, or has never worked here. I've spoken to supervisors, and customer service agents REPEATEDLY. They will not stop calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: SYNCHRONY FINANCIAL
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:
On XX/XX/XXXX someone without my authorization attempted to open an account thru Synchrony Bank. In XXXX of XXXX I was made aware of this due to my credit monitoring service. I contacted XXXX they recommended me to ask for inquiry deletion letter from the Synchrony bank. I was told by the Synchrony bank at that time that I was consumer and they would not provide me such documentation. I asked if they could send it to XXXX, they agreed. I waited the 60 days as instructed. I contacted XXXX and they did not receive it. I then repeated the process several more times. Still XXXX has not received it. I called today XXXX of XX/XX/XXXX to Synchrony bank they stated that they have in fact sent several letters to XXXX. They also stated that this did not negatively impact my credit. I told them that it did in fact negatively impact my credit. I asked if they could send me a letter they said no. They told me to contact XXXX. I called XXXX they told me to contact the Federal Trade Commission considering this was an ongoing problem. I spoke to the Federal Trade Commission today XXXX of XX/XX/XXXX. They stated that I should contact the Consumer Finance Bureau. 
I have been given the runaround from Synchrony Bank. They have made promises and have delivered nothing. This hard inquiry has deleted XXXX points from my credit report. I need your assistance in this matter please

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 2021-09-30
Company: CITIBANK, N.A.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I was contacted by XXXX XXXX XXXX, they told me that I owed a credit card debt that if not paid in full would go on my credit report. They threatened to take me to court for the balance owed and also sue me for lawyer and court fees. They told me I owed {$7400.00}. When I told them I could not give them the money because I was preparing to buy a home, they threatened my credit and told me I would not be able to buy my home with this debt hanging over my head. I was frightened into giving them {$7000.00}, which was almost everything I had saved. After I had authorized the payment she ( identified herself as XXXX XXXX ) told me that the debt they were collecting was from XXXX years ago. Immediately after making the payment I did some research and realized my mistake. Within XXXX minutes of authorizing the payment, I got on the phone with my bank, fraud prevention services and card member services to stop the payment. I pleaded with them not to release the funds. They put the payment on hold until XXXX, after which they released the money to XXXX. That very same day I went to my bank ( XXXX XXXX  XXXX XXXX ) and filed a dispute. After a week, I called card member services to check on the status of my dispute and they informed me that they had contacted VISA about the charge and they said they had to release the funds because I had originally approved the transaction. On XXXX, I contacted XXXX XXXX firm XXXX in an attempt to sue the company for my money back, after some research into the company they informed me that this company was not licensed to collect debt in the state of California and that because they have never been sued before, there was nothing they could do to assist me.

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 2022-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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/2021. And now we are in the month of XXXX XXXX still nothing from them. That means TransUnion has NOT complied with the XXXX XXXX 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 EXXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor 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 2021-05-06
Company: Blackhawk Network Holdings Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Recieved XXXX XXXX XXXX XXXX gift cards for XXXX $ each on XX/XX/21. On the back it says it is good to purchase merchandise at XXXX. I tried to do this onXX/XX/XXXXand when you click on the shop tab it redirects you to XXXX and when you try to use these it says card not activated. When I check the balance at XXXX it says XXXX , but when checking it at XXXX it says the card is invalid. I called XXXX onXX/XX/XXXX and they told me to contact the card issuer. I called the number on the back of the card and they told me that I should be able to use these at XXXX, but there is no way for them to correct this problem. They suggested I go to the team store at the XXXX, but I pointed out online the store is only open on game days and you need a ticket to get to the store.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 Recently Received A Copy Of My Credit Report And I Came Across Some Inquires Here Are The Inquires And Dates In Question 1.XXXX XXXX XXXX Inquired on XX/XX/XXXX XX/XX/XXXX 2.XXXX  XXXX XXXX Inquired on XX/XX/XXXX 3.XXXX  XXXX XXXX Inquired on XX/XX/XXXX 4.XXXX XXXXXXXX Inquired on XX/XX/XXXX XX/XX/XXXX 5.XXXX XXXX XXXX Inquired on XX/XX/XXXX 6.XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX 7.XXXX XXXX XXXX Inquired on XX/XX/XXXX XX/XX/XXXX 8.XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX 9.XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX 10.XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX 11.XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX 12.XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX 13.XXXX XXXXXXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX 14.XXXX XXXX XXXX Inquired on XX/XX/XXXX 15.XXXX XXXX XXXX Inquired on XX/XX/XXXX That I Do Not Have Any Accounts That I Am Associated With And I Did Not Authorize Please Have Them Removed From My Credit File 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
Consumer complaint received 2021-11-10
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I had not thought of asking CFPB for help. However, I received the following email from a XXXX Banking agency : Dear XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is the regulating authority for state-chartered institutions in the XXXX of XXXX. TD Bank is not a state-chartered institution, but rather a federally chartered institution, as a result, TD Bank falls outside the Division 's regulating authority. TD Bank is regulated on the federal level by the Consumer Financial Protection Bureau ( " CFPB '' ). The CFPB may be reached at XXXX or at the address listed below : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX www.consumerfinance.gov ( F ) ( XXXX ) XXXX The Division appreciates your correspondence and hopes that this matter can be resolved with the appropriate regulating authority. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The following is the email I had sent to them : Have Checking Account with TD Bank. Ordered checks from their required source XXXX XXXX on XX/XX/XXXX and received email confirmation from XXXX. 
Unfortunately, they do not accept replies. Was unable to login to my TD Bank account. Could not even change my password. Wrote a letter to the Manager of the TD Bank on XXXX XXXX in XXXX, on XX/XX/XXXX ( attached ), where I had established the account. No response other than ignoring my letter. 

XX/XX/XXXX ( attached ) wrote a letter to TD Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX or XXXX XXXX XXXX XXXX, XXXX  XXXX, with Ccs to XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX. I did not expect a response from your office because I specified that I was not asking for help. I incorrectly presumed that one of the companies would help. Both TD and XXXX XXXX have ignored my correspondence. 

I have not attempted to call because I have profound hearing loss. 
Please help! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-23
Company: January Technologies, Inc
State: DC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have settled my debts and have paid them off with XXXX. They are refusing to report that I have settled and payed the debts in full. I paid on XX/XX/XXXX and XXXX, and wait 30 days. However, this information has not been updated to my credit report. I have called them and asked them to update the balances, however they have continued to refuse my request. I have 2 loans that still have balances, but I have made payments towards loans. Those 2 loans are also not reporting that I have made payments towards them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
Company: EQUIFAX, INC.
State: DC
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the account that is reporting on my Credit Reports : XXXX XXXX CARD SER-Balance $ XXXX-Date Opened : XX/XX/2016 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: Bread Financial Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to request the immediate correction of inaccurate information on my credit report, specifically pertaining to late payments on my account. I have recently spoken with a representative from the bank, and they have acknowledged the error and agreed to update their records upon receipt of a goodwill letter which was sent last XX/XX/23. 
The bank indicated that once a GW letter is submitted, they will take the necessary steps to update their records and correct the inaccuracies related to late payments on my account. The representative assured me that they are committed to rectifying this error promptly.

I kindly request that you cooperate with the bank in this matter and promptly update the information on my credit report to reflect the corrected status of my account. 
COMENITYBANK/VICTORIA XXXX XXXXThose payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.

Company response to consumer: Closed with explanation