BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

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 2020-08-17
Company: Experian Information Solutions Inc.
State: TX
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:
To Whom it may concern, I recently challenged the validity of XXXX XXXX XXXX account thats being reported on my most recent credit report. Upon challenging this, XXXX  deleted the account based on the lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging this account with your company you have verified this same account. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true I am requesting the information you used to verify this account in writing. If such documents can not be produced please eliminate this account from my credit report immediately -they failed to so. Proof of collection validation, method of collection verification, furnish immediately the signed contract or remove this account immediately. Collector did not verify, proof of collection validation, " The collector ignored my dispute letter, did not send me anything to verify this and by not responding, agreed that this is an unverifiable account! ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02
Company: Experian Information Solutions Inc.
State: NY
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 FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND 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 2023-11-14
Company: GOLDMAN SACHS BANK USA
State: TX
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
The Greensky program settlement administrator is not following consent order file # XXXX. I was supposedly mailed a redress payment of over {$44000.00} but i did not receive it.

Greensky program settlement administrator has verified I was issued a check ( void after 90 days ) over a year ago, that it was not processed, and I am to receive a new check. That was established XX/XX/2023 and now as of XX/XX/2023 a check has still not been sent to me. I have been checking with the settlement administrator by email and phone and have been repeatedly told they are not " cutting '' new checks yet. 
It sure appears to me to be stall tactics. How long does it take to have a check cut? 
I have searched CFPB website and called several times but have been unable to find what department ensures consent orders are followed by the respondent. 
PLEASE HELP!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: Experian Information Solutions Inc.
State: OH
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:
XXXX XXXX XXXX, the registered agent of XXXX XXXX XXXX XXXX, is violating consumer Laws pertaining to my credit report. I do not have the account number as the credit reporting is extremely inaccurate and inconsistent, but the alleged account in reference is showing a credit card with a balance of {$13000.00}. 

This information is inconsistent across ALL XXXX credit bureaus, Experian, XXXX, and XXXX. 

Incorrect and inconsistent Account # Incorrect and inconsistent Date Opened Incorrect and inconsistent Date Last Reported Incorrect and inconsistent Date Last Active Incorrect and inconsistent Date of Last Payment Incorrect and inconsistent Payment History Furethermore a charge off may not report a past due balance under fcra laws. 

There is more than sufficient evidence on my report of negligence to the Consumer credit laws. Furthermore I have already disputed this account which XXXXXXXX XXXX has verified as reporting accurately. Let it be known you are now WILLFULLY violating consumer credit laws, which carries a greater penalty under law.

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 2023-11-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
XX/XX/2023 I applied for a Capital one spark credit card. Regrettably, my application was denied without justifiable cause, which has raised concerns regarding potential discrimination or mishandling of my application. I received an adverse action letter stating that my credit is denied for the reasons of : missing or unavailable information. Even though the letter clearly stated that XXXX had been accessed and a credit report and score retrieved. I immediately called Capital One to rectify the situation. On a recorded line I was told that they only solution was to re-submit the application for another hard inquiry with the exact same result. I then asked for the CEO information so that I could get a affidavit stating no promissory note was created in reference to my application and to address why I was denied even though I was asked for my social security number without XXXX form. I was told there was no CEO information and I was the transferred to XXXX. XXXX basically parroted a very similar refusal to provide any additional supervisory or CEO information and then hung up mid call. I did not receive any additional information as to how to get reconsideration on the application and was denied every form requested. Upon further inquiry with Capital One, I was unable to obtain a clear and satisfactory explanation for the denial. This lack of transparency has left me feeling unfairly treated and concerned about potential violations of my rights in the credit evaluation process. I firmly believe that I have the right to fair and equal treatment in the credit application process, as outlined by the Equal Credit Opportunity Act ( ECOA ) and the Fair Credit Reporting Act ( FCRA ). Denying credit without providing a valid reason undermines these fundamental rights and could potentially be indicative of discriminatory practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was trying to call PayPal due to problem I was having. An XXXX  seller shorted me {$21.00} from a refund. A purchase price of {$200.00} less a refund from the seller of {$180.00}. 
I XXXX  PayPays phone number. The number I found was in XXXX, Texas, XXXX XXXX. 
I reached a person that called himself, XXXX XXXX. Since I initiated the call to PayPal I did what XXXX XXXX instructed me to do. 
He said he needed verification of my XXXX  XXXX XXXX XXXX transfer account. 
I followed his instructions and entered an email address of XXXX. 
I asked why Im entering this email and once again he said he needed verification. 
He then said to enter the amount of my refund of {$200.00}. I kept asking him why am I entering an amount and an email when PayPay owes me a refund. He said that the amount would not be deducted from my account. Ten minutes later he said the amount was accidentally sent threw and deducted from my account. 
I filed a fraud claim for {$200.00} through XXXX  XXXX XXXX XXXX department on XX/XX/2020, the day this transaction took place.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit reporting 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:
Filed FTC complaint and notified this company that I noticed an unauthorized inquiry on my credit report and requested this company to investigate and block this inquiry because I did not consent to my credit being checked by this company to which this company has failed to do. Its been more then 4 days to which is the timeframe under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09
Company: GreenSky, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I had a one time service come out for pest control and that was paid. Two years later an account shows up on my credit and they contact me to start making payments. This is from the actual company and not a collection agency. I contact them and they tell me I owe {$1700.00} and scare me into making payments even though I tell them I do not know what this is, I did not want my credit affected as I am trying to buy a home. My son talks to me and I decide to contact them again because I do not owe this bill and they scare me so I make more payments. My son then has me get a copy of the contract and they send me a contract with verbiage blacked out in the body of the contract and tell me its for my protection. It also has a signature that looks similar to mine but you can tell it is not. Also the initials are electronic and I never signed any of this or agreed to it. I have called mulitple times to resolve and they are very mean and upsetting. This is affecting my credit and I do not know what to do. My son helped me dispute on credit im not sure if that will help. If they are doing this to me they must be doing it to others. Please help me I do not know where to turn next. I feel they are taking advantage of me because of my age. thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: CAPITAL ONE FINANCIAL 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: Investigation took more than 30 days

Complaint:
I sent a letter asking XXXX, to reinvestigate my accounts. Here is my tracking # XXXX. It has been over thirty days without a reply. I'm trying to buy a house for my family and XXXX hasn't sent me anything. They also haven't modified the accounts to ensure everything is 100 % accurate, nor have they updated the current status of the disputed information, which is another violation. This is causing me stress. I feel helpless because the credit bureaus are not doing their job. According to 15 USC 168, XXXX, XXXX, and XXXX have thirty days to investigate and send me results. I have all evidence attached below.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Transunion, XXXX, and the other agencies are permitted and paid to report information that they do not insure is timely or correct. They allow 30 days to correct information, yet if a consumer spent 30 days deciding whether or not t pay a bill, it would give these companies the power to destroy their credit. So logically, since it takes so long for them to correct incorrect information, they themselves are unreliable and have poor credit. The whole system is madness. If I am required to pay a bill within a week of its due date, they should be updating weekly AT LEAST!!!

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 2022-03-09
Company: REGIONS FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
Hi Like many Americans I was in the forbearance program with my mortgage company. At the time I was dealing with REGIONS MORTGAGE. Previous to COVID, I had never missed a payment or even been late a single time in over 10 years. My credit was well over XXXX. This changed when forbearance ended and REGIONS set me up with a counsellor to get back current. I spoke with them and was assured of a smooth transition adding the missing amount on to the end of the loan. Satisfied with this resolution, I setup autopay as it had been setup for many years before then. But their bank failed to pull the payment. I was made aware of the issue sometime shortly after this would have needed to be processed and IMMEDIATELY rectified the situation. I made any due payments. However, even with providing proof that I was on their autopay plan AND appealing to them directly, from an attorney, and directly to credit reporting agencies, they STILL have yet to take the 'late payment ' off my credit report as promised. This has DESTROYED my credit and disabled me from refinancing my loan from the high 6.5 % rate they stuck me with. I went on tour for work after autopay was setup in XXXX and only learned of the problem in XXXX. Please help ASAP. 

thank you! 
- 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 2023-11-16
Company: Experian Information Solutions 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 just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 explanation
Consumer complaint received 2020-12-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On tuesday XX/XX/XXXX @ approximately XXXX XXXX  i recieved a text message Stating that my NV unemployment debit card through B of A had a balance of less than {$50.00}. I immediately went on line to check and there was a transaction for {$480.00}. I calles the bank right away. They closed that card and issued me a XXXX XXXX. They then said I would have to call back in the morning to file a claim, which i did. Unemployment dispersed more funds to me on XX/XX/XXXX. I then tried to log into my account on line and it said my credentials werent recognized. I calles the bank instantly. They stated that my account is closed to fraud activity. Unemployment will only disperse to the B of A card, so now i have no way to get to my unemployment funds, and to top that off B of A wont even send me a check for the funds that was left on the account.

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 2023-12-15
Company: Experian Information Solutions 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 got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

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 2023-12-15
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX of XXXX, I sent a wire transfer to a domestic account owned by XXXX XXXX XXXX XXXX in the amount of {$6300.00}. The wire was sent to pay for XXXX XXXX  XXXX XXXX  from an esteemed collection. The collection was said to be multi-generation with the items being over XXXX XXXX XXXX. These statements, advertising and descriptions were false. The items are modern reproductions with no value. I opened a wire fraud case ( XXXX ) and ( XXXX ) but heard nothing bank. If this is not resolved, legal action will be pursued. There is an open case with the florida attorney general regarding the fraud, case # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
My name is XXXX XXXX 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.

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 2023-11-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I tried to open up a bank account with serval banks and they all are denying me. I dont understand why. And i already mad a police report that my wallet was stolen from a grocery store. So Im still not understanding why I cant make any new accounts. And every time they denied me they say they gone email me documents on why they did but they never email me the documents or tell me why I keep getting denied. Im just trying to open up a bank account before I start work next week.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
I requested a 6 mos temp mort. home loan modification while awaiting XXXX benefits. I did not request a refinance from the Newrez mort. Co. I had 9 years left on a 30 yr mort. Newrez discarded my 21 yrs of equity paid and created another 30 yr mort loan. I have called Newrez for assistance with this matter to no avail. I am paying 60 yrs on a mort. that was 30 yrs with only 9 yrs left to pay it off at the time. I am paying PMI all over again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
It is Transunions duty according to the FCRA to report correct and accurate information on my credit report and file. They are not. TRANSUNION is reporting an inaccurate late payment for the XXXXXXXX XXXX XXXX account ending in XXXX. This is a 30 day late payment posted on XX/XX/2022. This is incorrect and is required to be reported as PAID AS AGREED. 

Also, in accordance with 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does not contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. Reporting the inaccurate late payment results in Transunion violating my federally protected consumer rights.

Additionally, I did not give Transunion written permission to furnish these inaccurate late payments on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that TRANSUNION has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.

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