BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-18
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: Account status incorrect

Complaint:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

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 2023-05-31
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
The loan is for our son and I believe originated in XXXX. Over a year ago the remaining balance of the loan was placed on a monthly draft from our checking account for $ XXXX. For some reason the payment did not draw in XXXX of XXXX. I have contacted Citizens bank and they stated that they tried to call me to let me know the payments were not being received. The calls were made to a land line number which is no longer in service. They didn't follow up the phone attempts with a letter, but instead placed the loan with a collection agency. I have contacted Citizens ( XXXX ) twice to offer getting the payment fixed including sending them the {$300.00} for the months the draft was not drawn. They have told me they can no longer help me as the loan has been assigned. I also spent XXXX minutes working with our credit union to determine why the draft was not sent, and was told clearly that the problem was not on their end. I have been in contact with the collection agency ( XXXX XXXX XXXX, XXXX XXXX, XXXX ). The have offered a settlement to terminate the loan which we are willing to do, but they want to receive the payoff in a rather unreasonable timeframe of {$1000.00} XX/XX/XXXX and {$1900.00} by the end of XXXX, which is basically the {$2900.00} settlement amount in 30 days. This would be difficult, but might be possible over XXXX  months. 
The bottom line here is that I feel totally manipulated, first by Citizens Bank and now by the collection agency. We have made a good faith effort to make this right with the bank, and I don't feel like i should even have to deal with the collection agency, but I will in an tempt to put this behind us. Any assistance you can provide on our behalf in the matter would be greatly appreciated. I also want this resolved without and affect on my XXXX XXXX XXXX. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: American Credit Acceptance, LLC
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
Hello CFPB Staff : An overwhelming set of class action lawsuits is directly and indirectly affecting my household ... here is the list generally, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( and other matters as well )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: Paypal Holdings, Inc
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I operate a business using XXXX to collect payments. On XX/XX/XXXX, PayPal begin to keep money I was collecting from my customers without any notice or warning that I would no longer be able to receive the funds. 

I promptly provided information they request, which was information I had previously provided to them upon opening the account. 

5 days later on XX/XX/XXXX, they requested MORE documents to be provided which are again the same documents I had provided when I opened the account. PayPal at this point is continuing to keep my money giving me no power to access my funds for at least XXXX more days. 

I called PayPal and the agent confirmed that my funds were being held " XXXX ''. The agent actively confirmed that " yes '' my funds were being held XXXX. In addition, the agent informed me that PayPal was doing this in order to earn interest off of the funds. 

PayPal is in a powerful position to keep the funds which do not belong to them and puts up extremely tall walls for communication and are beyond reasonable in keeping money that is not theirs. 

Please investigate and if there is a case here, please pursue a penalty for harassing customers at large and intentionally keeping funds to earn profit from interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: Genesis FS Card Services, Inc.
State: IL
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 submitted complaint # XXXX on XX/XX/2023 in which I explained that that my identity had been stolen and used to apply for a GenesisFS credit card, that I had reported this to the company, and that they had been unable to locate the application, flag it as fraud, and report it correctly to the credit bureau XXXX 

On XX/XX/2023, GenesisFS responded that they are still unable to locate the application and requested I provide additional proof of the inquiry. To that end, I have attached a screenshot of the inquiry from my XXXX  credit report. I have also attached screenshots of the initial complaint and the company 's response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: CITIBANK, N.A.
State: MA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
Erroneous balance transfer to my credit card. Its was added to my Citi card from a XXXX XXXXXXXX, each bank is claiming its the others issue and can offer me no help. I now have a {$4000.00} debt that isn't mine and no help. Each time I called Citi I was told to wait 2 weeks and it would be resolved. The transfer happened in XXXX : XXXX phone calls to Citi and a month and a half later later and no evidence of an investigation they said was done and completed, despite multiple requests. I was told to call XXXX, and XXXX had no information on their end as it wasn't from my XXXX account so they said there's nothing they could do. Today XXXX I called Citi and was told the investigation was completed and now XXXX has to do an investigation but they can't tell me if they are.I called XXXX and was told Citi needs to take care of it. I sent XXXX a secure message with my Citi statements. Each bank is claiming its the others issue, I am left with {$4000.00} debt and no help or communication.

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 2023-10-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
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:
On XXXX XX/XX/2023 XXXX notified me that my credit score dropped XXXX points and that I had a Hard Inquiry from Capitol One Bank for a credit/bank account. I called XXXX to have that inquiry removed from my report as I do not recognize it nor do I have any accounts/affiliation with Capitol One. Then I called Capitol One and was transferrred to the Fraud Department where the representative " checked everywhere '' and confirmed that Capitol One doesn't have any accounts being opened in my name or using my social security number. The representative at Capitol One stated that contacting the credit bureau should be my next step. Which I had did first. Additionally, XXXX recommended that I file a police report with the FTC and that has led me here to the CFPB. 
XXXX 's representative did state that they would have the hard inquiry removed from my report within 24 - 72 hours. It appears that the hard inquiry was a mistake on Capitol One 's end and hopefully will be remedied soon.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-28
Company: Source Receivables Management LLC
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 have been trying to get this Collection off my credit report for months. I have sent in 5 disputes and nothing is being done. I have sent in proof that I myself are submitting the request to have this removed. I have filled for a full file disclosure and never received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: URS Holding, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
AllTran called me on XX/XX/XXXX and refused to provide debt information. They attempted to call me again on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX at times I could not answer the phone. XXXX days have passed since initial contact and I have not received a notice or information about my debt yet. This is a violation of federal law. 

Response to first complaint was not a response to complaint. AllTran violated federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: Bridgecrest Acceptance Corporation
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
In XXXX the car I purchased from this company 1 year ago began having mechanical problems. I took it to a repair shop and attempted to use the extended warranty to cover the repairs. The warranty company denied coverage so I was now liable for almost $ XXXX of repairs. About two weeks before my XXXX payment was due I reached out to Bridgecrest to ask that XXXX payment be moved to the end of my loan due to the exorbitant amount the repairs were costing me. I also had to push back several other bills to try and get this paid. Bridgecrest initially told me to borrow the money from a family member. After requesting a Sup I was told I would HAVE to wait until the payment was late before I could request this. So XX/XX/XXXX, 1 day after due date, I called in to submit the request. Two days later I called to check the status of said request and was told it was denied. No reason given as to why but the rep proceeded to tell me once again to borrow it from my spouse or a family member. If it was that easy I would have and Im not married so to assume and/or say this type of stuff is problematic at best. Once again I spoke to a sup who then had me resubmit the request. Today I called to check the status and once again told it was denied. This time the rep told me they would never approve that request especially since Im not 20-30 days delinquent. Then she offered a payment plan for me to pay almost {$200.00} additional per month for the rest of the year to catch up that payment. Ive already advised them that paying extra to catch it up is not feasible due to the significant amount I had to pay to even get it fixed. Bridgecrest is not only unwilling to approve this simple request so that I can continue my on time payment history with them with the upcoming XXXX payment but they are basically forcing me to be late and rack up late fees as well as negative marks on my credit report. Thats not right when Im already trying to get back on track after my divorce and bankruptcy. I pay this high interest car note because of that. Im trying to make sure my payment history stays good so I can continue to rebuild my credit after bankruptcy not have it messed up again.

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 2021-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
*PLEASE NOTE I OPENED 3 COMPLAINTS FOR THIS SAME THING ON XX/XX/2021 : # XXXX ; XXXX ; XXXX ; AND THE COMPLAINTS WERE CLOSED BECAUSE THE LETTER STATED S-OME OF THE INFORMATION PROVIDED SUGGUEST S THAT SOMEONE OTHER THAN MYSELF SUBMITTED THE COMPLAINT. I WOULD APPRECIATE IT THIS COMPLAINT WAS TAKEN SERIOUSLY! I HAVE TO NOW START ANOTHER COMPLAINT WHICH RE-STARTS THE CLOCK FOR THIS TO BE TAKEN CARE OF! XXXX On XX/XX/2021 I sent a letter to this credit reporting agency to have items removed from my credit report along with the list of laws that they violated. 
According to 16 USC 1681 ( a ) ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; should be excluded from a credit report. And by definition according to Truth In Lending, Section 15 USC 1602 ( l ), The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.. By the Legal descriptions and and definitions, the items listed below should not be on my credit report. These accounts you have put on my report has ruined my reputation, and according to 15 USC 1692d ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person puts you in violation of the law. I demand this account be deleted immediately or I have to file litigation due to the stress and impact to my reputation I feel that these accounts are negatively affecting my credit report and costing me thousands of dollars in interest every year, this is not a regular dispute I have filed a complaint with the federal trade commission and XXXX XXXX XXXX because to my knowledge I do not recall any of these accounts. I need this problem fixed ASAP. I will not wait another 40 days to receive no response because clearly I am being ignored. I demand these accounts be deleted immediately or I will file for litigation. FCRA 611 ( 15 U.S.C. 1681I ) it clearly states that a failure to investigate these items within 30 days gives a reason to immediately remove the items from my credit report it has been over 40 days so they should be deleted promptly.

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 2023-10-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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:
Capital One XXXX XXXX XXXX XXXX Reviewed my credit report and saw that there were inquires on my report that I had no affiliation with.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-03
Company: AMERICAN HONDA FINANCE CORP
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX called me on XX/XX/XXXX and refused to provide debt information. They attempted to call me again on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX at times I could not answer the phone. Five days have passed since initial contact and I have not received a notice or information about my debt yet. This is a violation of federal law. 

Response to first complaint was not a response to complaint. XXXX violated federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
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:
Im writing to complain about charge-off and late payments records on my credit report. It was on my closed Bank of America XXXX XXXX credit card. A fraud ( {$46.00} ) happened when I was out of the country in XX/XX/XXXX, so I contacted the bank and disputed the transaction. BOA issued a new credit card but never removed the fraud from my account till the bank closed my account. BOA didnt appropriately deal with the case, which led to charge-off & late payments records on my credit report and seriously affected my credit score. In order to save the score, I ended up paying an amount ( {$55.00} ) myself even though it was not my money when I returned to the country in 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 monetary relief
Consumer complaint received 2023-05-31
Company: Grain Technology, 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: Their investigation did not fix an error on your report

Complaint:
I need clarification as to why you are reporting inaccurate information on my credit report. Please review the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX A collection is by default late and past due. 
Delete this account due to inaccurate reporting. 

After you have finished with my request, send me a copy of my updated credit report reflecting these changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 got an alert from one of my credit monitors that a hard inquiry was made on my TransUnion credit report on XX/XX/2023, from XXXXXXXX XXXX XXXX. I have never done any business with XXXX XXXX XXXX. 
I tried to contact the XXXX XXXX XXXX and TransUnion several times by phone but have never reached a real person. I sent each of them a letter asking about the unauthorized hard inquiry on my credit history but never received a reply from either one.

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 2022-04-29
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
Company: Diversified Consultants, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of Identity Theft. 

XXXX is reporting a collection through Diversified Consultants XXXX for {$1800.00} that is not mine. 

Police Report has also been filed : Report number is : XXXX I have tried contacting XXXX, Diversified, XXXX, XXXX and XXXX and am not getting this account researched and resolved. 

It is preventing me from getting the credit I deserve and needs to be deleted right away.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
To update this suspicious information, I sent a letter to the three credit bureaus. I believe that these accounts have not been verified in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I shall take legal action against you for this. I previously included this in my COMPLAINT, and I'm including it again. XXXX XXXX XXXX XXXX  Balance : {$12000.00} ; XXXX XXXX XXXX XXXX Balance : {$14000.00} ; XXXX XXXX XXXX Balance : {$530.00} ; XXXX XXXX XXXX XXXX Balance : {$360000.00}.

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 2023-01-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
My credit score is been reported really low although. I have : -Low utilization of credit cards -Paid off car loan with XXXX XXXX XXXX XXXX Collection account ( XXXX XXXX ) has submitted the account to be deleted. 
- All accounts are current and paid as agreed. 

Based on all these factors, my score on all three Credit Bureaus should be in high 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 2023-07-03
Company: Bread Financial Holdings, 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: Was not notified of investigation status or results

Complaint:
this account start in my credit report on XXXX .... i dont recognize this as mine..

Company response to consumer: Closed with non-monetary relief