BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-23
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 2022-03-18
Company: ALLY FINANCIAL 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 have filed dispute in regards to incorrect items on my credit report. It's been well over 30 days and I still haven't receive my investigation results.

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 2018-03-12
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
So, I apply for a credit card and get denied by Capital One Bank N.A, so then I called them after 37 days because my credit went up and said tried to apply for it again and I got it! But, after a couple of days my credit went down significantly because I see some credit inquiries that I did not authorize. I tried to talk to representative but, they would really speak to me about this and said we are not responsible and would keep asking is there anything else you need help with and just then they would usually cut the phone on me. Now I dont know if they shared my personal information, or anything, but I would like for an Investigation to occur.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10
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 disputed morning three times which each agency, they continue the report in accuracies

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 2022-03-18
Company: CAPITAL ONE FINANCIAL CORPORATION
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 have filed dispute in regards to incorrect items on my credit report. It's been well over 30 days and I still haven't receive my investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12
Company: Diversified Consultants, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am a victim of identity theft. I have an active fraud alert with all 3 credit bureau. I am actively working to clear all fraudulent claims. I've worked previously with a collections agency for a XXXX account XX/XX/2017 which was proven not to be mine. However, that agency sold the outstanding account to Diversified Consultants. I have sent written communications to both Diversified as well as ; all 3 credit reporting agencies with no avail. With an active fraud alert and Police report on file I would like to have this account in the amount of {$520.00} for XXXX removed from all 3 agencies. I have not previously received any correspondence from this company prior to being alerted by the credit bureau.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-08
Company: BAY COUNTRYCONSUMER FINANCE,INC.
State: MD
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Title loan
Issue: Was approved for a loan, but didn't receive money

Complaint:
I am filing this complaint because I believe that Bay Country is guilty of deception business practices. On XX/XX/XXXX, I contacted Bay Country at XXXX because I received a second loan pre-approval notification. I asked a representative to verify the validity of the correspondence. The representative said that I was pre-approved, however, I would need to payoff a previous debt ; a debt that was included in a XXXXXXXX XXXX XXXX bankruptcy. When I challenged the accuracy of her statement, I was transferred to a Branch Manager who told me that even though the debt was included in a bankruptcy, I was still liable for the debt because the loan was a secured loan. I asked for this information in writing, was told they would send it ; to date I have not received. They did however send me another pre-approval letter. 

I am reporting this incident for two reasons. First, I believe that XXXX XXXX bankruptcy law is quite clear on this subject. Unless I re-affirm the debt ; it is discharged. However, this business is giving contradictory information. Secondly, I believe that this business is operating deceptively by sending out pre-approval notifications; telling people that they are pre-approved to trick them into applying for a loan. In my case, I believe it was a tactic used to try and deceive me into reaffirming a discharged bankruptcy debt under the pretense of a pre-approved loan.

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 2020-02-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
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:
i filed my taxes recently and i just downloaded the XXXX  XXXX  app and it broke down my credit and it shows my current credit card that i make payments towards. Then it shows a second, From a Card Company that I DO NOT HAVE, OR OWN A CARD TO. This card has a {$300.00} limit and was opened XXXX of 2018 it says. The Account Status says OPEN still. My Credit Score has taken a major hit because i also saw that it has LATE PAYMENTS. 1 30 Day late, 1 60 Day Late, and 3 90 Day Late history details and on my On Time Payment history with my Cards it shows only 5 missed all from this card resulting my credit score to tank which i have never seen this card in my life and i have had my personal in my wallet for 5 years so this is really scary to me i dont want to be a victim, please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
The car that I had was in a car accident. The person that caused the accident Insurance Company paid the balance on the car in full. The balance that is showing on my credit report can not be from that car and the balance should be removed on my account. The payments that are showing on the car and the payment that is showing is not the amount that was agreed upon under my contract. I have not signed a new agreement authorizing this. This needs to be removed off of 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 2023-12-06
Company: AMERICAN EXPRESS COMPANY
State: OH
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Bluebird is holding on to refund issued by XXXX for valid purchase in amount of {$50.00} made on XX/XX/XXXX. Refund issued on XX/XX/XXXX by XXXX. Refund received by Bluebird on XX/XX/XXXX and has been held since this date. Called Bluebird customer service number twice on XX/XX/XXXX and told by their overseas reps nothing can be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: Fay Servicing, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu

Complaint:
The following email was sent to my mortgage servicer : Fay Servicing XXXX, I just received a notice that my request for loss mitigation has been denied again without any written or verbal explanation. This is my second attempt to ask Fay Servicing for assistance as I am vehemently trying to catch up with my mortgage payments due to unforeseenhardship circumstances. It should be noted that I am a XXXX XXXX veteran who recently underwent spinal/lower back XXXX, which rendered me unable to work for an extended period of time. 

It should also be noted that Fay Servicing sent the denial letter regarding my first loss mitigation application when it was nearly at the end of the XXXX expiration period. Further, Fay Servicing failed to address my subsequent appeal in writing. 

I understand that Fay Servicing has had a troubled history of " failing to provide mortgage borrowers with protections against foreclosure. '' See story : https XXXX XXXX 

Unfortunately, Fay Servicing 's latest action leaves me with no choice but to seek remedy with the CFPB ( Consumer Financial Protection Bureau ) since you are unwilling to help me with theforeclosure protection and loss mitigation under the XXXX XXXX XXXX Reform and Consumer Protection Act. A copy of this email shall be furnished to the aforementioned agency. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: OneMain Finance Corporation
State: PA
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 was trying to purchase a house and I received a copy of my credit report and found these items to be incorrect. According to act 1970, 15 U.S.C SS 1681 et esq., I demand that these items be reinvestigated and deleted from my credit report. This is defamation of character. 

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 2023-12-05
Company: DISCOVER BANK
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Reason : ADVERSE ACTION On XX/XX/2023 I was denied an extension of credit by Discover Bank when I applied for a Discover Card. 

As you may be aware, it is against federal law in accordance with the Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant to 15 U.S Code 1691c you assume civil liability pursuant to 15 U.S Code 1691e. Discover Bank violated my federally protected consumer rights. Treating me less favorable than other applicants for any reason is discrimination. Pursuant 15 USC 1691a ( d ) It is my right to be granted credit by Discover Bank.

1 ) 15 USC 1691 2 ) 12 CFR 1002 Since the letter sent to me dated XX/XX/2023 is both proof and evidence that I have been discriminated against, you are also criminally liable. There is no statute of limitation on fraud. Discover Bank should strongly consider resorting to reasonable procedures to rectify this affair and compensate me for the use of my securities. Otherwise, this would be considered securities fraud since I have received NO BENEFIT from my tender of collateral. 
Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
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 the fair credit reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 SECTION 602 A. States I have the rights to privacy.

15 U.S.C. 1681 SECTION 604 A SECTION 2. It also states the consumer reporting agency can not furnish a account without my written instructions to do so.

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 2023-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. Transunion is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update them immediately in my report : XXXX  XXXX Date XXXX Balance : {$560000.00}

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
Consumer complaint received 2023-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the accounts : 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 2023-08-07
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with fraud alerts or security freezes

Complaint:
I have had a Lowes credit card for many years.

When I went to the hospital this summer, I wanted to have my son and his friend be able to pick up things from the store for me.

When I called Lowe 's to add them to my account, Lowe 's canceled my card and issued two cards to the boys. When Lowe 's did this, they put hard credit hits on each of the boy 's credit reports without their permission. 

I still await my replacement card that was taken and blocked during a time when I have needed to use the card. This has been very inconvenient for me. 
When I called to ask them to take the hard hits they put against the puts off, Lowe 's refused and said the boys would have to call them themselves and provide social security numbers and driver 's licenses to have the hits removed.

This is not fair to the boys who did not ask to have Lowe 's search their accounts.

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 2020-03-11
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I went to XXXX XXXX XXXX for a procedure called XXXX XXXX XXXX, this was suppose to freeze the from my XXXX, I was told by XXXX XXXX XXXX ( owner ) that procedure in question would best work for me. She stated that XXXX XXXX would get me better results with less complications. She did advised me of risk associated with this procedure such as XXXX  as you much XXXX XXXX.She also stated it may not work. She never said anything about the machine can and XXXX  you.She also stated they have many happy client as this procedure is not invasive. She states the procedure is painless and you can lay back and read a book.She states that the machine never touches your skin. I was convinced. I paid {$2000.00} for 6 sessions.1 session it was XXXX  but I chose to tolerated the XXXX. The second session was XXXX also. When I was taking a bath and notice a big XXXX   in my XXXX  which became XXXX. I Went to the Dr. and was given XXXX. I was left with XXXX XXXX XXXX  in XXXX. They refuse to refund XXXX to my Care Credit Card. These are two sessions resulting in my issues. I contacted the XXXX  and other agencies to no avail. XXXX sent me an agreement formstating that they would refund my money, if I would stop bad mouthing them and not sue them. I declined. Please help. Thanks.

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 2023-07-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
So Bank of America has accounts that was fraudulent in my name with my social security that was not me. The amount of XXXX and the other account was XXXX that was open on XXXX I did go to the fraud department and they gave me claim number now I have to wait 3-5 days for the forms to fill 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 non-monetary relief
Consumer complaint received 2022-03-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Capitol one is practicing deception and leaving consumers hanging. I called Capitol one to order a new card as my current one doesn't work, the chip is not being read by the card reader. Called once and was told by agent your current card is active until the new card is activated by phone or use. Turns out I never got the card, it happens. I called a XXXX time was told literally the same thing. 
I was using my old card for purchases in the mean time. Time goes by XXXX card never comes. I call and order the XXXX and I never got it. So I decided to use my old card for groceries it didn't work turns out they deactivated it without my consent and I was told they only deactivate when new card is used or I call it in. 

I called spoke to supervisor and I asked him to deactivate my card he said he couldn't. Told him every agent told me old card doesn't get deactivated till I make a purchase with it. I told him I made no mistake and I'm suffering for it. He said for him to cancel account he needs to read disclosure. I said I don't agree to it because it'll affect my credit and you guys made the mistakes repeatedly. He then hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22
Company: Experian Information Solutions Inc.
State: GA
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 was a victim of identity theft in XX/XX/2017 in which someone stole person information, filed my taxes and began opening and attempting to open several fraudulent accounts in my name. I have been working with local law enforcement, the three credit reporting agencies and the account lenders. 

In sending in copies of police reports, federal trade commission reports, proof of my ID as the rightful owner and other supporting documents, over the past two years I have obtained little to no success in trying to successfully remove these accounts from my credit report. I have in writing, on several occasions asked that the lenders send me proof of whatever SIGNED documents that have confirming that these accounts were opened by " me '' and they have not responded or sent me copies of these documents per my request. When I speak with the credit reporting agencies, they simply state that the debts were verified by the lenders but CAN NOT either provide me with the requested documents to corroborate their investigations. 

I have been denied job opportunities, other loans, and even bank accounts due to these accounts and at this point I want results. I want in writing whatever documents they have that were alleged signed by me and want these fraudulent accounts removed from my credit reports.

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 2020-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
My identity got stolen. I have reached out several time to the credit bureaus through the CFPB and regular mail through the United States Postal Service. I have filed a police report, FTC report, and complaint here.

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