BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-28
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I am reissuing my dispute against Citibank Home Depot Credit Services Citi Reference # XXXX. I am still trying to resolve this issue with the company. However, after filing complaint with your offices they finally provided me with letter dated XXXX. Four months after they apparently sent it and three months after the XXXX date to continue a dispute with the company. They also attached paperwork for a completely different customer from XXXX XXXX while I live and have lived in XXXX XXXX since XX/XX/2015! 
I am attaching all documents they sent for proof of someone else 's info sent to me. As a further addition to this statement when I supplied initial documents I sent photos that wood was warping, splitting they was barely put up within a few weeks. When I showed these photos to store managers they even stated that kind of damage should only occur after a few years not a matter of weeks. 
What is worse is I paid someone roughly {$500.00} to paint the fence and have had to go back and fix what I can 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 2023-08-03
Company: EQUIFAX, INC.
State: CA
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 NOT a fraud complaint. do NOT place a fraud alert in my credit file. 

I have challenged the reporting of a repossession from XXXX XXXX XXXX on my credit report 7 separate times on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I demanded each and every document that they have in their PHYSICAL POSSESSION on each of those dates. This demand was made pursuant to the FCRA 15 UCS Section 1681g. They were specifically asked to NOT merely state that is has been verified as this is not in compliance with the law. This must be done in Metro 2 Format reporting.

To be clear, I am NOT disputing nor am I looking for validation of the repossession. I AM REQUESTING PHYSICAL DOCUMENTS.

In the event they did not have any documentation in their physical possession as of the date of these demands, under the Fair Credit Reporting Act Section 1681 ( i ), ALL unveried accounts must be promptly deleted. Moreover, I disputed the validity of each of the repossession, under Section 611 ( a ) ( 5 ) ( A ) ( i ) of the Fair Credit Reporting Act.

If they do not have any documentation in their les to verify the accuracy of these disputed accounts, they are required to delete them immediately. Failing to do so is damaging my creditworthiness and reputation.

I demand the repossession be properly verified with physical documentation and in Metro 2 Format reporting ( and not just verified through a 3rd party ) or it MUST be removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-11
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 did not authorize any of these unknown fraudulent inquiries that's on my credit file and I'm demanding that these unauthorized inquiries be removed. 

1. XXXX XXXX ( XX/XX/XXXX ) 2. XXXX ( XX/XX/XXXX ) 3. XXXX XXXX XXXX ( XX/XX/XXXX ) 4.  XXXX/XXXX ( XX/XX/XXXX ) 5. XXXX ( XX/XX/XXXX ) 6. XXXX XXXX ( XX/XX/XXXX ) 7. 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 explanation
Consumer complaint received 2023-04-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I used capital one credit card travel program to purchase three airfares on XXXX XXXXXXXX. One must go through capital one travel ( C1T ) agent in order to book seatings on airplane. I called C1T to book three airfares for my wife XXXX and son XXXX. The air flight to depart from XXXX XXXX airport to XXXX XXXX on XXXX and returning XX/XX/XXXX. About one week later, we needed to our flight schedule to XX/XX/XXXX to XX/XX/XXXX. I called C1T back and they confirmed that all changes of schedule have to go through them. the new schedule was changed via a C1T agent. C1T has a recording of all phone conversations. I called back to C1T stating that on my travel page on C1T did not reflect the new schedule. C1T said it is fine as long as I received an email for XX/XX/XXXX to XX/XX/XXXX flights. Yes, I did. Then this is where the communication was broken down. on XX/XX/XXXX, I received an email form C1T that my flight might have a change and a C1T might call me or to contact XXXX XXXXXXXX. Since I remembered from earlier calls with C1T that all changes go through them. I waited for C1T call that did not come. Plus, I thought the change was related to the change of flight that I had done with C1T. Of course, XXXX  cancelled our returned flight and we did not know about it, until we called in to confirm our seats on XX/XX/XXXX. XXXX  put me on a returned flight to XXXX XXXX and my wife and kid to XXXX on a different flight. XX/XX/XXXX was a wasted day as our flight plan was totally changed. I was out of pocket for XXXX trip from XXXX to home and I had to drive to XXXX later than night to pick up my family. Next day, I had to pick up my car at XXXX airport that had an extra day of parking. the following week I called C1T to explain the break down in communication. C1T supervisor said they have all calls recorded and to review. I told them the XX/XX/XXXX email that C1T was to call me. No one from C1T called. I told them in a recorded conversation with C1T that all changes to go through C1T. in fact, the agent of C1T told me in a recorded conversation when I had to change my flight plan. I have attached them for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-08
Company: C/C Financial
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XXXX an account was opened fraudulently in my name and using my social security number. I was notified on XXXX XXXX when a withdrawal in the amount of approximately XXXX was taking from my account. My bank gave my the merchant and telephone number and I contacted Preferred Lease to inform them this account was fraudulent. Preferred Lease directed me to their fraud department and took my information while also directing me to file a police report as well as a FTC report. I followed through but then they requested photo ID, social security card, and other information that I was uncomfortable with being as though this matter was already identity theft. I contacted the credit bureau and had them investigate the matter sending them the information they required. XXXX  stated that the account was validated as belonging to me. I asked XXXX  to send me what information was sent to verify my account and they stated that there was not anything sent to verify the account that Preferred lease just confirmed by email that the account belonged to me. As of today this has hindered my credit and is causing major damage as it is reporting late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: BARCLAYS BANK DELAWARE
State: NC
Product: Credit card or prepaid 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:
My wife and I both applied for the XXXX Barlclay 's credit card after being told about it by flight attendants on a flight with XXXX XXXX. We were told the {$99.00} annual fee would be waived for the first year if we used the promotional code when we apply. We both did as instructed in XX/XX/XXXX and within weeks of opening the accounts we were both charged the {$99.00} annual fee on XX/XX/XXXX. Nowhere in the terms and conditions is an expiration date to the promotion nor are there details that would exclude us from receiving the promotional discount. The promotional flier explicitly states " {$0.00} intro annual fee for the first year, then {$99.00}. '' It also states explicitly in the terms and conditions, " {$0.00} introductory annual fee the first year, after that {$99.00}. '' I reached out to customer service on XX/XX/XXXX and was told to fax information to them to start a dispute. I did as instructed and was later given case ID numbers for both my and my wife 's case. We then received letters in the mail dated XX/XX/XXXX that stated " We're currently unable to assist you with your Rewards issue. '' This appears to be a XXXX violation, specifically deception. The company is not following the terms as advertised. We were told there would be no annual fee, yet we are now out {$190.00}. We were forced to pay these fees to avoid them falling past due on our credit. The company gave deceiving terms, failed to address the complaint, and did so in an untimely manner that resulted in us having to pay the fee to avoid it reporting past due to the 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 2023-04-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I had 3 debts charged off in XXXX due to financial hardship. Portfolio Recovery Associates all 3 accounts which were XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. I disputed all debts through the credit bureas process since the debts were charged off Portfolio had no legal way to recover the debt. Unfortunately it did no good and couldnt get Portfolio to stop calling and harassing me about the accounts. Portfolio Recovery has these accounts on my credit report even though they have been charged off. In XXXX I was able to pay of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX still is collections with Portfolio Recovery and I still get phone calls about it. 
Heres the information on the accounts. 
XXXXXXXX XXXX XXXX XXXX charged off in XXXX amount {$3000.00} XXXXXXXX XXXX XXXX XXXX charged off in XXXX amount {$1000.00} XXXXXXXX XXXX XXXX XXXX  charged off in XXXX amount {$3900.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
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. 

I told XXXX, XXXX and Transunion to reinvestigate these accounts : Account : XXXX  # XXXX, Account name : XXXX XXXXr # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account Name : XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case. See ATTACHED

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 2021-07-08
Company: TOYOTA MOTOR CREDIT CORPORATION
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 got these accounts that does not belong to me and i want it to be remove from the 3 credit reporting agencies. 


1. Identity Theft TOYOTA MTR Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
Re : Disputing paid collection error [ s ] on credit report Dear CFPB Contact, I am writing to request several items be removed that are appearing on my credit reports from [ XXXX, XXXX, TransUnion ]. Please see below disputes ( 1-5 ), as I have paid the debts off. Also reflected in the attached report ( highlighted green items for easy reference ). I have reached out to the creditors on several occasions to again request/remind them to remove items from the reports as they have confirmed receipt of payment. These items are impacting/hurting my overall credit score causing difficulty when applying for credit. 

Company Name and Account Number : 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  Your time is appreciated in advance. 


Enclosure/Attachment Copy of Credit Report Sincerely, 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 2016-08-02
Company: NATIONSTAR MORTGAGE LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
Complaint Description : Nationstar is basically making it impossible to finalize my HAMP loan modification after doing everything they said. I received a pay cut of about XXXX % back in XXXX 2015 and my wife ( at the time ) lost her job in XX/XX/XXXX. At that time, I applied for a loan modification. Made all trial payments on time, and since XX/XX/XXXX, there is always a reason they can not finalize it. Now, we had agreed if I made a payment by XXXX XXXX, and another by XXXX XXXX, they could finalize it. On or around XXXX XXXX, I scheduled my payment my payment to be taken from my account on XX/XX/XXXX. I was then told they needed a code and could not process the payment and would call me back. After not receiving a call, I called them and told me I needed to speak with my loan specialist. The problem is, Ive never been able to get a hold of her, even after numerous messages. When you call Nationstar, it goes to her voicemail everytime and you have to press 0 to speak to a representative who knows nothing about my case. I kept calling saying I need to make a payment and once again, someone would call me. So I logged online to try and pay and for they first time every they blocked me from making a payment online. The thing is, I got a new job and could easily make the payments, but it seems like they just want to foreclose and I 'm not sure why. What they are doing is wrong-I 'm trying so hard, but they are literally making it impossible. If I was n't paying a divorce attorney, I would get one because there is no way they are following legal procedure.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
Company: Experian Information Solutions Inc.
State: AR
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 was informed by my banker ( 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible.

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 2023-07-21
Company: Bread Financial Holdings, Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I applied for the Cares Act hardship program back in XXXX of XXXX and per the plan, hardship was completed back in XX/XX/XXXX. Due to technical issues, I have been unable to use the credit line as agreed upon per the completion of the hardship program. I have been contacting the credit card company since the end of the program with complaints of not being able to use the card with no resolution for almost a year later.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-21
Company: WELLS FARGO & COMPANY
State: OK
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Wells Fargo XX/XX/2015 took {$16000.00} from my credit line, and put in somewhere? I did not do it as I always pay every credit card in full each month and monitor the account. I had to change all of my account numbers, change all of my autopays, such as water, trash, electric, XXXX, etc, and not one answer as to who transferred that {$16000.00} and to where. It caused me hundreds of hours, on the phone on hold filing complaints, as a working mom, to deal with this and correcting all the autopays, And! I was not going to pay for interest on something I never would have done! OK, that finally got fixed. I moved to Oklahoma because my father died and I still had WF, on XX/XX/XXXX, after moving clear across the country with all of my belongings and not even having a home, they did it again! This time it was even worse, because there are not WF offices in Oklahoma, I again, spent days on the phone trying to fix this situation because it affected all of my credit and debit cards, it was the only bank I was dealing with at the time. It was a nightmare and the most stressful time of my life.

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 2023-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. No consent is fraud. Please see this account is removed from my account. It is fraudulent & is impacting my ability to gain credit. 

XXXX XXXX XXXX Date Opened : XX/XX/2012 Balance : {$7700.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief