BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
REFERENCE CFPB COMPLAINT NO. XXXX CREDIT REPORTING AGENCIES CONTINUE TO BE IN VIOLATION BY NOT DELETED ERRONEOUSLY REPORTED INFORMATION. 

PLEASE SEE ATTACHED DOCUMENTS. YOU WILL SEE WHAT THE CREDITOR SHOWS AS PAID AND WHAT THE CREDITORS REPORT AS LATE. BIG DIFFERECNE!!

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 2022-02-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Ive had a Capital One Credit card with Capital One Bank since XXXX. Ive only had an increase in balance one time for XXXX and that was 4 years ago. Ive had more than 100 successful payments. I used it over 30 percent of the balance but it was mostly during the pandemic and always paid 80 percent of the entire balance off at once and didnt have a carry over balance. Ive had two big salary increases from my employer over the last three years and the last one was on XX/XX/XXXX. Each time Ive asked for an increase, it was silent as empty box. They never could tell me why, and I never receive any information as to why. I never have gotten a letter, email or text stating that I dont qualify. It has said only, its being reviewed and someone will get back to me shortly. A year or more I asked and, just on Sunday, XX/XX/XXXX I asked and still the same message. This is keeping my credit from rising. All of my other credit cards have over XXXX limits. And its oddly strange that Capital One will not budge. Im really starting to feel like Im being discriminated against. Everything this company is questionable. This is what prompted me to close out my checking and savings account with them. Is this against the law? It wasnt every month out of 4 years that my balance was over 30 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
Company: Experian Information Solutions Inc.
State: NJ
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:
By 15 is code 1681, the law states it, its illegal to report my bankruptcy publicly to the credit reporting agency.Ready as follows : Accuracy and fairness of credit reporting The Congress makes the following findings : The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

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 2021-05-26
Company: Source Receivables Management LLC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Good Morning I have a problem with two different companies the first one is : Source Receivables Management collecting for XXXX XXXX XXXX, I went bankrupt in XXXX of 2019 and XXXX was added into the bankruptcy they were notified as well then just recently XXXX bought the debt from XXXX and is listing it on my credit report as opened 3 months ago and that is false, XXXX was opened many years ago and discharged in the 2019 bankruptcy and they are illegally trying to collect money and ruin my credit score. please help I have reached out to them and have not succeeded in a resolution. 

Second one is XXXX XXXX Bank a credit card was taken out in my name i don't know by who and i have called them repeatedly to notify them that i did not take out any XXXX credit card and they are reporting this debt on my credit report. I called and i keep getting some rep from overseas that doesn't know how to help me. I have called XXXX bank and they send me to all different departments and this still hasn't been resolved, its very frustrating can you help? If so please contact me at XXXX XXXX I apprecaite anything you can do Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-24
Company: EQUIFAX, 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:
This is my first XXXX to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : - XXXX XXXXXXXX XXXX XXXX XXXX Balance : - XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$10000.00} XXXX XXXX XXXX XXXX XXXX {$23000.00} XXXX XXXX XXXX XXXX Balance : - XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: HOPE BANCORP, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX- called and then emailed the forbearance request. I was told we were approved for 3 months and after the 3 months resubmit if we need more time. 

XXXX started loan forbearanceXX/XX/XXXX resubmitted for another 3 months of forbearance. 
XXXX was last month of Forebearance. 

XXXX started making my regular loan payments as forbearance period ended. 

I was told that the interest accumulated during the forbearance would be tacked on to the end of my loan or if I refinanced or sold my house I would pay it off then. 

I have been going back and forth with bank of hope for almost 2 months trying to get something g that says this. We are trying to refi and every other bank is providing this type of letter. We are being penalized and told it will take months for us to get a letter. We have been making payments since XX/XX/ and they have taken all to interest and none to principle. I feel we are being taken advantage of and penalized for the covid relief program. This is illegal

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: EQUIFAX, INC.
State: AL
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:
On XX/XX/2021, I filed a dispute with XXXX, XXXX and Equifax about the inaccurate report of the account XXXX XXXX Account number XXXX, .. In 2 months I have asked numerous times for a response to their investigation and I have not received anything in response from this bureau, this is a violation of the FCRA 30 day investigation policy. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about this unverified account as of today. I have attached documentation for proof of my complaint. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: Kriya Capital, LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This company has flagged my credit report 6 times in a week with two different debts from the same company ( XX/XX/XXXX ) they flagged my account twice on XX/XX/XXXX, flagged my account for both debts again XX/XX/XXXX and then flagged it twice again today on XX/XX/XXXX. I emailed them about the multiple flags theyve added to my credit report, and told them I would contact the proper consumer protection bureaus about the situation with the screenshots of the back to back flagging on my credit report, and would also contact a consumer protection attorney to see what my rights were since they were violating my rights under the fair debt collection practices act. They emailed me back shortly after saying they researched the matter couldnt locate any record of it in their system then proceeded in asking for an account number, and a phone number so they could look it up. I refused to give them any information and advised them I had been in contact with an attorney and would be in contact with the proper consumer protection bureau and would leave it with them. The email they sent had a caution on it that said it was sent from an external email and I should proceed with caution and not open any links or attachments in it. I will include screen shots of the flagged and derogatory notes they keep leaving on my credit report. I understand they have a right to report any debt they have for an individual every 30 days but this is beyond that they have flagged my credit multiple times in one week Its unfair and malicious on their part especially after the entire world is trying to pick themselves up and get their lives back together after this recent panademic. Im also curious how can a person have two debts for the same company especially a cellphone. Youre only allowed to open one account at a time and if its not paid your definitely not opening another until the one owed one is paid off. I dont trust this company and refused to give this company any information without a liaison of some sort in the middle. I also feel this problem wont be resolved by trying to deal directly with the company itself either they will continue to use any information and leverage to their benefit rather than fix the issue. I have also uploaded the flagged/derogatory marks thats been placed on credit profile throughXX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-18
Company: Resurgent Capital Services L.P.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hi XXXX XXXX XXXX / Lvnv Funding llc : Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
i was paid by a buyer via paypal for an artists product whom i work for. paypal took a fee, but when i tried transferring money to the artist for the goods, paypal put a hold on my account and will not release the funds unless i give them the buyers date of birth, along with a detailed description of what the product is, how we sell it, how we inform the buyer of delays etc. i provided all the info requested other than buyers DOB and i am still getting generic emails asking for the same thing over and over, holding onto our funds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-23
Company: SECURITY SERVICE FEDERAL CREDIT UNION
State: UT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
In XX/XX/XXXX I purchased a used XXXX XXXX. Later that year in XXXX, I co-signed for my younger brother, XXXX XXXX, to purchase a XXXX XXXX XXXX. All payments for the XXXX were paid by my younger brother, and he paid off the loan. Because I surrendered my XXXX, although on a separate loan, XXXX XXXX will not release the title for the XXXX to my brother. I think this is wrong, since he did complete the loan and make all payments. As I said, these were not on the same loan, and my decision to surrender the XXXX should not impact my brother 's ability to trade in or sale the car that he paid for.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: EQUIFAX, 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 Repoerting Act XXXX Account # : XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXXXXXX XXXX XXXX XXXX ACCT # XXXX XXXX ACCT # XXXX XXXX XXXX  ACCT # XXXX XXXX XXXX  ACCT # XXXX XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXXXXXX XXXX XXXX ACCT # XXXXXXXX XXXX XXXX ACCT # XXXXXXXX XXXX ACCT XXXX XXXX XXXX XXXX XXXX  ACCT # XXXX XXXX XXXX ACCT # XXXX has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: Experian Information Solutions Inc.
State: NE
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:
In accordance with the fair credit reporting act, this creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 also states a consumer reporting agency cant furnish an account without my written instructions. Under 15USC 1666 B a creditor can not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-01-24
Company: WELLS FARGO & COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Told to file claim to see if Im due any money in return

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 2022-02-19
Company: DISCOVER BANK
State: FL
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:
On XX/XX/2021, I graduated from secured to unsecured account. My check # XXXX for my initial XXXX $ deposit I have not received. I understood the time frames may have been delayed due to holidays, but we are well past that. 

Check issued - XXXX - XXXX $ # XXXX and not received. 
I called regards several times but finally escalated to a supervisor on XXXX - spoke with supervisor she said she put in a stop payment verified my address as correct. Stated that my XXXX XXXX was on the line XXXX and she corrected it. 
XXXX - called spoke with a supervisor XXXX - spoke with a supervisor- was promised a call and resolution on by XXXX no call was connected. 
on hold for XXXX + minutes/ no one called back/had to call back XXXX - Supervisor stated someone was scheduled to call me back with a resolution- to day is XXXX. 
XXXX The supervisor insinuated that she was going to put in another request for my check to be sent. I stopped her because this would be the third time and according to their policy the XXXX time the check should be issued as direct deposit to my XXXX. This also did not happen. I am XXXX and XXXX  of promises made but nothing kept. I feel like they are stealing from me at this point and I want this resolved! I have called several times with no resolution and just the run around. Everyone has been nice, the customer service is not the issue. I would like my money back to me the fastest way possible. If it is in a check form, it needs to be expedited, certified mail. If it is XXXX, that would be even better.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-04
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$8800.00} XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: In progress
Consumer complaint received 2022-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
XXXX, XXXX AND TRANSUNION BROKE THE LAW PURSUANT 15 USC 1681b ( a ) ( 2 ). I NEVER GAVE THEM WRITTEN CONSENT TO REPORT ANYTHING ON MY CONSUMER REPORT. AS OF XXXX THERE ARE XXXX NEGATIVE REPORTING TRADELINES THAT I DID NOT GIVE MY WRITTEN CONSENT TO HAVE PUBLISHED ON MY CONSUMER REPORT.. I WOULD LIKE TO STATE THAT PURSUANT 15 USC 1681 ( a ) ( 1 ) that THE BANKING SYSTEM IS DEPENDENT UPON FAIR AND ACCURATE CONSUMER REPORTS. BY ALLOWING XXXX, XXXX AND TRANSUNION TO REPORT THESE INACCURACIES IT HAS CAUSE ME TO LOSE CONFIDENCE IN THE BANKING SYSTEM. AS THE CONSUMER, CREDITOR AND NATURAL PERSON ANY NEGATIVE REPORTING ON MY CONSUMER FILE WILL CAUSE UNJUST FINANCIAL HARM AND DEVESTATION TO MY GIVEN BIRTH RIGHT AFFORDED TO ME BY THE ONE TRUE ONLY MOST HIGH GOD.

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 2023-11-17
Company: Experian Information Solutions Inc.
State: AL
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:
Im a victim of identity theft and I have been disputing for several months and they have ignored me although I have provided proof of identity theft and XXXX breach.

Company response to consumer: In progress