BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-20
Company: Bread Financial Holdings, Inc.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX transferred over my in house card with them to a Commenity Credit Card without my knowledge. Almost 3 years later there was fraud on this card with purchases in XXXX. I contacted Commenity and they assured me they would take care of it. I have had countless calls trying to collect the debt. I have asked them to transfer me to their fraud department and when I get someone they tell me they will put me on hold and then hang up on me

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to dispute 2 collection accounts that has been reported on my credit report. The collection accounts in question are [ XXXX, and XXXX ], which is being reported by [ XXXX XXXX XXXX, and XXXX XXXX XXXX ]. 

I am requesting that these collection accounts be removed from my credit report immediately. I have never had any dealings with these collection agencies, and I have never been notified about any outstanding debts. Therefore, I believe that the collection accounts has been reported in error and is negatively affecting my credit score. 

I have taken all necessary steps to dispute these accounts with the collection agency, but they have been unresponsive to my requests. I have also requested that they provide me with any documentation related to the alleged debt, but they have failed to provide me with any information. 

I request that you investigate this matter and ensure that the collection agency is complying with all relevant laws and regulations. Additionally, I request that the negative information associated with this account be removed from all three credit bureaus immediately. This account is inaccurate and is causing undue harm to my credit score and my ability to obtain credit and other financial services. 

Thank you for your time and attention to this matter. I look forward to hearing from you soon regarding the resolution of this dispute.

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 2023-02-18
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/2023 my landlord faxed in a bank verification letter to my bank. When I renew my lease it is required every year for the landlord to do so and the bank has always gotten back to her via fax with the letter within two days. 

The bank has not gotten back to her as of yet and the allowed time I was told by many citizens bank reps was XXXX business days for them to fax the info back to my landlord. I have sent the same fax everyday since from my fax and my landlord has sent in the fax a few more times as well. 

I have called citizens bank and immediately was sent to a call center out of the states and that individual could not locate the fax or the center at which my fax was sent to. I then called a few days later to follow up and got another call center person from out of the states and they as well said that is not their dept and they could not help me. I asked to be sent to a supervisor or manager several times and then got ahold of a person in the states and she was located at the customer service center in XXXX and she also said she couldnt locate my fax or my landlords fax cause that was not her dept and she gave me a number to the operations services dept and they would be able to help. Well that number is for collections and they could not help me as well. I called my local bank and asked if they could fill out the paper via drive up cause I am XXXX  and they said no cause the drive up is for quick processing only not to have papers filled out. 

I am so frustrated at this point in just trying to get a simple paper faxed back to my landlord so she can renew my lease. My landlord stated that other individuals who she has as tenants who are with citizens bank are having the same problem as me and she can not renew their leases as well till the bank gets back to her with that fax. Its a simple procedure I just dont get how its taking so long.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: EQUIFAX, INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim. I have provided extensive documentation, including a Federal Trade Commission ( FTC ) Identity Theft Report and other supporting evidence, clearly demonstrating that these accounts are a result of identity theft. Yet, my claims have been summarily dismissed without proper investigation or resolution. I am writing to express my extreme frustration and disappointment in the way my identity theft dispute has been handled by your bureau. It has been an unreasonably long and arduous process, with repeated denials despite the clear evidence I have provided. I have provided extensive documentation, including a Federal Trade Commission ( FTC ) Identity Theft Report and other supporting evidence, clearly demonstrating that these accounts are a result of identity theft. Yet, my claims have been summarily dismissed without proper investigation or resolution. XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06
Company: EQUIFAX, INC.
State: WV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to dispute 2 collection accounts that has been reported on my credit report. The collection accounts in question are [ XXXX, and XXXX ], which is being reported by [ XXXX XXXX XXXX, and XXXX XXXX XXXX ]. 

I am requesting that these collection accounts be removed from my credit report immediately. I have never had any dealings with these collection agencies, and I have never been notified about any outstanding debts. Therefore, I believe that the collection accounts has been reported in error and is negatively affecting my credit score. 

I have taken all necessary steps to dispute these accounts with the collection agency, but they have been unresponsive to my requests. I have also requested that they provide me with any documentation related to the alleged debt, but they have failed to provide me with any information. 

I request that you investigate this matter and ensure that the collection agency is complying with all relevant laws and regulations. Additionally, I request that the negative information associated with this account be removed from all three credit bureaus immediately. This account is inaccurate and is causing undue harm to my credit score and my ability to obtain credit and other financial services. 

Thank you for your time and attention to this matter. I look forward to hearing from you soon regarding the resolution of this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: HYUNDAI CAPITAL AMERICA
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
After a car accident Hyundai should send all documents to the XXXX company pay for the remaining balance. I called them every single week after the total lost and every single time we received some different information. On XXXX an employee from Hyundai told me that the case was all set, because the XXXX XXXX had all documents to pay the remaining balance so they turn off the autopay. For my surprise Hyundai reported me because there's a 2 bills with late payment. And this is not fair because they know that the responsibilitie for the remaining balance is under XXXXXXXX XXXX name not mine. Last week XXXX ( XXXX company ) sent to Hyundai a check with an overpayment but until now Hyundai didi n't received this check and they keep the information on XXXX regarding the late payment.

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 2019-04-04
Company: ALLY FINANCIAL INC.
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I received a quote online for the payoff amount on my car for the XXXX, XX/XX/2019. I sent a cashiers check via email to Ally XXXX XXXX, which they posted on XX/XX/XXXX. I called customer service, XXXX, on XX/XX/XXXX to provide my XXXX account number for them to send the title overnight and was told they were sending the title to my credit union based on title instructions they received. This was incorrect because I sent the cashiers check from my credit union where I bank. I was assured that the error was corrected and the title would be sent to me at my home address by the following Monday, XX/XX/XXXX. I called customer service on XX/XX/XXXX to confirm everything was good and was told that my title would be sent to XXXX XXXX, who I have never dealt with in my life. I was assured that everything was corrected and my title would be mailed to me. I called customer service again on XX/XX/XXXX and was told that my title was sent to XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, Ok, XXXX. They said they couldn't help me until they receive the title back from XXXX. They apologized for the error and would call me back on XX/XX/XXXX between XXXX XXXX and XXXX XXXX   eastern time. They didn't call, so I called them. I have to start over every time I call. There is no manager you can talk to. I am just assured that they will fix it. But every time I call I get a new person and have to convince them all over again that they made a mistake. The vehicle has a value of $ XXXX. My loan is completely paid off, but I can not get the title for it.

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 2018-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 been a VICTIM of Trans-Union Inquiry Issue. I tried to talk to the Customer Service and the representative refused to take care of the negative inquires reporting to 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 2023-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

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 2024-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I firmly insist on the removal of these misleading accounts from my credit report, as I never provided authorization for their use. It is essential that you swiftly erase this inaccurate account from my records.

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 2021-11-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
InXX/XX/2017 Equifax had a breach of my personal information I was affected by that is vital to my financial. well-being. Equifax have not corrected any issue caused by this breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06
Company: Rocket Mortgage, LLC
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My insurance was not paid out of my escrow XXXX of XXXX and I was dropped. 

My lender Rocket Mortgage then put a forced policy in place since I did not have insurance and I lapsed in coverage I have been told by Rocket that they reached out to my insurance company and basically they would not/did not send them a renewal? 

My monthly payment went up XXXX XXXX 

I have found new insurance but they say I still owe for the lapse in coverage ( 6 months ) Rocket has advised me to contact XXXX XXXX and XXXX to get a better understanding on why I was dropped. Rocket Mortgage is placing the blame on XXXX XXXX, and myself. 

I consider this preying on consumers and I pray that Rocket doesnt get a kick back from the force placed policy insurer.

I just need my monthly payment where it was because times are hard.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31
Company: Navient Solutions, LLC.
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Navient is mismanging my loans and harrasing me everyday 24/7. they keep caling early in the morning and late at night. i told them do not be calling before XXXX or after XXXX. they told me they had the right to call, i kindly informed them that they didnt have the right to. then they called from a third party from rhode island, placing me on hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: DISCOVER BANK
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX, I initiated a balance transfer with Discover in the amount of {$4400.00} with no interest until XX/XX/XXXX. I have been making at least minimum due payments on my account. I have recently started making large payments in an attempt to reduce the interest I will be charged on XX/XX/XXXX. I looked at my last couple recent statements and noticed that of the {$1300.00} in payments that I've made for the time period of XXXX, only {$270.00} has been applied to my balance transfer remaining amount. I spoke with a Discover employee and a manager via online chat today, XX/XX/XXXX. I was advised that their policy is to apply any payment amount over the minimum due towards the purchase balance with APR. I asked if they could please make an adjustment and apply my payments to the balance transfer amount. I was told no and that no one at Discover could help me. I've been saving up trying to get this balance down to avoid interest and get my family back financially. I'm not asking for interest to be waived or anything like that... I just really need all these extra payments applied to the balance transfer. I was told the only way to get no interest charged on the balance transfer was to pay my complete balance for everything in full. Crazy how Discover 's motto is " We treat you how you'd treat you ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
You paid this account out to XXXX and they closed the account. Now theyre asking for more money.XXXX. The account was closed when I paid the balance off.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13
Company: EQUIFAX, 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 information incorrect

Complaint:
Greetings, this is the second time that I had to write to the cfpb in regards to this matter that I am facing with XXXX XXXX. During the hurricane XXXX  XXXX put me on a program to help individuals with difficulty not to have late fees on their account, and they sent me a letter putting all three accounts on the program and I accept and again there is no where in the letter that mentioned if you are late that they will report it to the bureaus and if they had clarified that I would of asked for help to pay on time but since they say that I will not have any issues so I accept to be in the program. 
I called XXXX XXXX this week XXXX XXXX and spoke with a young lady that I explained to her that I am doing a va loan and it is imperative that I dont have any late payments shown in my report even though that I paid both accounts full and after those XXXX months of XX/XX/XXXX and XX/XX/XXXX my account never late or before XX/XX/XXXX never late, so please see what you can do for me please XXXX to remove those XXXX closed accounts from my file. She responded that she will call me back within an hour to investigate the account completely. Now, she did call me back and states that sir, I do show that you were on a program for the hurricane that happened in Florida in XXXX and that we can not remove the late remarks or remove the account because they have to report it so I answer her, XXXX, then why was I put in a program to get help from XXXX XXXX during these difficult times. So basically, XXXX XXXX is reporting to the public that they are helping people and yet that is not true at all, because if you read what I wrote at the beginning of my letter it clearly states that they have a program to help military individuals which I am a XXXX percent total and permanent XXXX veteran. I made sure I paid in full both accounts without ever missed a payment and XXXX XXXX dont have the decency to remove an account that I paid in full from my credit that is already closed. That is sad and ashamed especially when I am trying to put a roof over my families head, put yourself in my shoes president of the bank, workers of XXXX XXXX, ceo of XXXX XXXX put yourself in my shoes, especially when you didnt do, anything wrong. I WAS PUT IN A PROGRAM AND I NO MATTER WHAT I WAS ABLE TO REMOVE MYSELF FROM IT AND PAID IT IN FULL WITHOUT ANY LATE PAYMENTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I have been a Bank of America Visa holder for approx 15yrs. I recently accepted a balance transfer offer with a XXXX APR if paid by end of XXXX. Additionally offer states a " 3 % transaction fee '' which will increase to " 4 % '' unless I contact BofA to reject by XXXX. Today, XX/XX/XXXXXXXX  @ XXXX I phoned to reject the 4 % increase and retain the 3 % fee already charged. Customer service XXXX states the policy on their end is to advise my account will be closed if I reject the 4 %. I read my offer & fine print verbatim and the terms to call with rejection of increase and nowhere on the document ( s ) is a threat to close my account if not accepted. He continued to verbalize all he could do was close my account. I requested an escalation however no manager available to speak to 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