BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-06
Company: Experian Information Solutions 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:
I purchased a XXXX XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX. I noticed om the contract that too manypayments were listed on the contract. I contacted the dealership and told them and they told me to bring the car back to sign a new contract. When I arrived they told me that my {$600.00} down payment was not enough and that I had to put down an additional {$600.00} and that I needed to sign additional documents. I refused and gave them the vehicle back. 
The car was not reporting on my credit at that time. 
2 weeks later, I received an alert displaying a new account from XXXX XXXX with a {$12000.00} debt. 
My down payment was not returned by the dealership although I returned the car within 5 days. 
Now this new auto loan is displaying on my credit report which is preventing me from obtaining an auto loan as well as a loan for a home. 

I have sent a cease and desist letter to the dealership ( which has been ignored ) as well as contacted the Illinois Stated Attorney. 
I have disputed this account with all 3 credit bureaus and this account still has not been removed. 
I am at my wits end!!! 
Please help

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 2023-01-06
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
A statement and payment were sent to Comenity Bank XXXX XXXX from XXXX, Texas to XXXX, Texas on XX/XX/2022 for {$160.00}. The payment was not processed until 6 days after it was considered past due on XX/XX/XXXX. The expected delivery for the payment was XX/XX/XXXX. Due to this late process of the payment, my account is not showing as past due. I contacted Comenity Bank to run an Off-cycle Report so my account shows as up to date, but they refused.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-06
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with with the Fair Credit Credit Reporting Act, 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 have violated my rights. 

15 U.S.C. 1681 Section 602 A, states I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2, also states, a consumer reporting agency can not furnish an account without my written instruction.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-11
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
AFTER DISPUTE YOU ADDED SAME PAST DUE ACCOUNT ON MY CR TWICE SAME ACCOUNT i HAVE 4 2 WERE DISPUTED YOU ADDED THE SAME 2 SO NOW I HAVE 4 SAME 2 TWICE DONT KNOW HOW TO EXPLAIN TO YOU SO WHY DONT YOU CHECK IT INSTEAD OD ASSUMING SOMEONE DID THIER JOB XXXX CLEARLY THEY DID NOT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
Company: CITIBANK, N.A.
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I am who I am fact. I am the original creditor and Citi has violated Federal Regulations during Covid 19. Pursuant to the FCRA 623 - 15 USC 1681s-2 ( F ) ( i ) ( II ) ( bb ) I was never late and this item is supposed to be counted as current pursuant to 15 USC 1681s-2 ( ii ) ( I ).

There are also multiple billing errors that I noticed under 15 USC 1666 ( b ). This has defamed my character during tough times while I was fighting my heart out during college and Covid. 

Citi, XXXX, XXXX, and XXXX has had complaints filed against them and I hope you can help me out.

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 2022-03-02
Company: SYNCHRONY FINANCIAL
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/22 I was contacted by Portfolio Recovery about a debt they had purchased from Synchrony Bank of $ XXXXThey had been calling repeatedly..We came to an agreement of $ XXXXInitially I tried to pay with my credit card.They said I couldn't pay with credit. The lady on then phone was speaking to me as if I were an XXXX. Other companies had taken credit no problem. When I got my debit card to pay the agreed amount the lady said I hurt her feelings and she would not accept my money. Now I find they have put this back on my credit report as if it is new..I have an email they sent detailing the agreement. I was promised if I paid the {$630.00} the collections would be removed from all the credit reports..They never had any intentions of making a deal..They wanted to put this account on for another 7 years. I request your help in removing this from my credit.

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 2019-09-17
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Closed my savings account with Citi Bank on XX/XX/2019. 
However, I get a statement on XX/XX/XXXX in mail that showed my balance of XXXX cents. There should have never been any interest incurred in my account since it was closed on XX/XX/XXXX and there was no remaining balance when Citi employee gave me a confirmation of closure of my savings account on XX/XX/XXXX. 
When I contacted Citi Bank on XX/XX/XXXX, an employee told me that my account is still active and currently can not close the account because of the balance my account has from Citi 's negligence. I believe this business practice was performed to keep the account alive for their performance scorecard and must be investigated.

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 2022-04-11
Company: Credit Karma, LLC
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX I have received a new creditKarma debit card ( https : //www.creditkarma.com/ ). On XX/XX/XXXX there was a strange {$1000.00} transaction posted on my checking account. I noticed it on XX/XX/XXXX and filed a dispute ( Case # XXXX ). After several clarification emails on XX/XX/XXXX I was informed " Your case has been escalated to our disputes team for further assistance. Please allow the investigator assigned to your case time to review and address your concerns. '' Ever since I have not heard anything from CreditKarma. I have phoned with them 2 times on Mon XXXX XXXX they told me that the dispute shall be resolved by XX/XX/XXXX the latest and XXXX XXXX they said that they don't know when the dispute is going to be resolved. 

I would like to have these funds to be returned to my bank account and the interest for 1 month of use to be reimbursed. 

Best, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03
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:
I'm relocating to LA and looking to purchasing a condo. I checked my credit  score just to see what's on my report because I haven't checked in it a minute. While checking my report I saw a couple of items that are not mine. I have reached out to the FTC and to my local police department. XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX. I am doing this all on my own.

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 2023-03-03
Company: ARVEST BANK GROUP, INC.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
At the beginning of XXXX, I paid Arvest Mortgage {$200.00} to set up bi-weekly mortgage payments to be automatically withdrawn from my bank account. ( Apparently they charge for this service because they claim it is a " manual process. '' ) At this time, I signed paperwork agreeing to this payment schedule and they sent a document confirming the bi-weekly payments. At the beginning of this year, Arvest suddenly, without explanation or notification, stopped withdrawing my payments. I have spent no less than 20 hours on the phone ( most of it waiting on hold for extended periods of time ) to rectify this. I have spoken with countless people who claim that they have, or will resolve it, and that my payments will be resumed. Most recently I spoke with a representative named " XXXX '' who assured me that my payments would resume on Wednesday, XXXX XXXX XXXX It is now Friday, XX/XX/XXXX, and my most recent bi-weekly payment has yet do be withdrawn, as PER THE SIGNED PAPERWORK ( AND AS PER THE {$200.00} PAYMENT I MADE TO INITIATE THIS PAYMENT SCHEDULE. ) Since the first payment they failed to withdraw on XX/XX/XXXX, I have called multiple times a week, spent hours and hours on hold, spoken with more people than I can count, including supervisors, and no one seems to have any desire to do what they need to do on their end to ensure that Arvest lives up to its obligations, as per the agreement I signed ( AND THE XXXX XXXX DOLLAR FEE I PAID TO SET UP THIS PAYMENT ARRANGEMENT. ) This is not a situation of me not paying my mortgage- this is a situation of the bank REFUSING to abide by the payment arrangement and execute the automatic withdrawls as per our agreement. I should NOT have to waste 20+ hours of my life, chasing them down, begging them to restart payments, in order to ensure that MY LIFE AND CREDIT ARE NOT RUINED BECAUSE THEY WILL NOT DO THEIR JOB ( a job I PAID THEM {$200.00} TO DO! ) Bi-weekly payment arrangement confirmation document is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanyin g things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : 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 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 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 2023-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent a letter on XX/XX/XXXX to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX CT XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX 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 non-monetary relief
Consumer complaint received 2022-08-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX I made a credit card payment to Capital one. I erroneously made an over payment. My balance was {$670.00}. Payment was entered as {$670000.00} contacted my bank the next day after my bank account was overdrawn. My bank XXXX XXXX said they would look into stopping the transaction. But did nothing. I also called Capital One the credit card company, the same day XX/XX/XXXX, they advised me that they would refund the funds and it would take 2 weeks. I received a letter from Capital One, dated XXXX XXXX advising me that could not be refunded. After reviewing this letter I called Capital One on XX/XX/XXXX and spoke to a service representative and her supervisor, XXXX, She advised me that there was no refund request on record. I asked then why did I get this letter. She had no explanation.she then said she would put my request for the refund in again. she advised the their company policy was to wait 15 days after date of the last statement and then up to 2 weeks for a check to be issued.This would an additional 3 weeks before a refund is issued. I don't know why it would take so long if they made the mistake to begin with. her nasty response was it's their policy. I asked if I would be paid the same interest rate that the bank charges.she said NO.1 then ask if it was their policy to steal the customers money for a mistake. If they are honest to me and do put the request in I will not get the refund until mid XXXX. I feel I am being taken advantage of by this bank and being treated very unfairly. I am filing this complaint to see if the process can be expedited. The last 4 digits of my credit card are XXXX.Case number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I Have names, addresses and a bankruptcy reporting to my Transunion credit report that are INACCURATE.

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 2023-12-11
Company: WELLS FARGO & COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Money order, traveler's check or cashier's check
Issue: Problem with customer service

Complaint:
On XX/XX/2023 I deposited a loan check for XXXX $ from XXXX XXXX XXXX from my retirement 401 K. Into Wells Fargo Bank account at an atm. It was cleared on XX/XX/2023 for the funds to be used. Wells Fargo put a hold on my loan check for atleast 9 to 10 days without giving me any type of explanation. I spoke with XXXX XXXX XXXX and they indicated that they had a reference number stating that the check was cleared to go to the bank to get my funds released. I went to Wells Fargo bank even spoke to a supervisor about it and they just said that they couldnt help me out in releasing my money to me. This loan is an emergency that I needed to take out in order to pay bills I needed to pay because I was in the hospital without pay. Somehow they didnt really cared about what excuse I had for them to release my funds. They just told me to wait until the hold was over fro the funds in 10 days that there was nothing they or I could do even though the check was cleared on XX/XX/2023 and funds were available to use. I believe I have been abused for either racism or stereo typed for my name, culture, race. It is unbelievable how a XXXX military veteran that has served his country has to go through this type of treatment with this company. I am extremely disappointed and will no longer be any part of this company as soon as I can get my funds available. I have been a big contributor and long years member for Wells Fargo bank. I just hope this nonsense can be stopped with this bank and other customers do not have to go through the same thing my whole family has been through thanks to them.

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 2023-01-14
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Hello, I applied for a XXXX credit card 3 years ago, made a purchase and pay over time - account had {$0.00} balance and no movements since then ( more than a year ) Last month I started to receive calls that I was pending and overdue to pay a comenity card. Looks like XXXX moved the portfolio to comenity, they submit a card which I never received and somehow someone made two fraudulent transactions. 

I call comenity and was really difficult to get above story because they were asking me for account details or statement which I never received because i did not sign for a comenity card - fraud department told me that those were fraudulent transactions and they will review they cancelled my account per my request but they call me 5 to 6 times a day asking me to pay them. XXXX XXXX does not talk to fraud and I call customer service and they are unable to tell me any status meanwhile interest pile up. 

Can you help me? I did not agree to have a comenity card nor did transactions never received a card and have no statements or anything related that bank I knew I had a card based on XXXX XXXX review done

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-11
Company: Army and Air Force Exchange Service
State: OK
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I received a credit card from Military Star, I did not apply for!

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 2023-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 fervently urge you to swiftly eliminate the fraudulent accounts 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 non-monetary relief
Consumer complaint received 2023-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: In progress
Consumer complaint received 2022-12-21
Company: Resurgent Capital Services L.P.
State: IL
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

LVNV FUNDING : # XXXX, XXXX XXXX XXXX  : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation