BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-06
Company: CITIBANK, N.A.
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Citi closed my checking account on XX/XX/2022 due to suspected fraud. The account had been open a little over a week. The account had $ XXXX in it at the time. I attempted to make an XXXX XXXX purchase to a merchant and it was marked as fraud. An agent from the fraud department called me and I confirmed the transaction and I was successfully able to process the transaction. I then attempted to make another XXXX XXXX purchase with the same vendor and it was once again flagged for fraud when I called back again, they told me that they decided to end the relationship with me. Prior to this, this account was only used for incoming transfers from my external bank account and paying credit card payments. This was all the money I had, and I will now fall behind in all of my bills, waiting XXXX to XXXX days for my money. There was no fraud on this account whatsoever. I called a branch and they were also unable to help due to the notes that they viewed 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 2018-05-10
Company: CAVALRY INVESTMENTS, LLC
State: GA
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:
On XX/XX/XXXX, the Credit Reporting agencies ( CRA ) provided Cavalry Portfolio Services access to my credit report although there was no legal reason to do so. I contacted the CRA 's who informed that the inquiry could not be removed nor could they provide me with the permissible purpose. I was instructed to contact Cavalry Portfolio directly at the address on the report for the legally permissible purpose. I sent a certified letter to Cavalry Portfolio at the address on the report and they have refused to respond. 
More than thirty days has expired. The letter was received on XX/XX/XXXX using cert number XXXX XXXX XXXX XXXX XXXX XXXX I have included a letter directly to the CFPB and a copy of the letter sent directly to Cavalry Portfolio by certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: Alorica Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I have a XXXX XXXX XXXX XXXX XXXX XXXX loan which has been transferred to SST. The original terms of this loan is I would be lent {$4000.00}, {$2000.00} which goes to me immediately, and the other {$2000.00} into a savings account which I can access after paying off the loan. I've paid off the loan TWICE on XX/XX/XXXX which they then added an additional {$80.00} so it wasn't paid off, and then again on XX/XX/XXXX. I've asked how I can access the {$2000.00} in the savings account and no one can give me a straight answer. I've called everyday since XX/XX/XXXX and emailed a handful of times with no luck. I want my {$2000.00} that is owed to me!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have been dealing with unauthorized use of my personal information. Which result in unauthorized items on 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 non-monetary relief
Consumer complaint received 2023-01-06
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL
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:
Carrington Mortgage incorrect reported mortgage payments. Our mortgage payment is made every month like clockwork. They reported to the credit bureau that we had not paid for XXXX XXXX & XX/XX/. That is 100 % false and now hindering us from getting a Home Equity Line of Credit on our home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: EQUIFAX, INC.
State: FL
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:
I have a few unauthorized adverse XXXX XXXX XXXX XXXX accounts on my consumer report. pursuant to 15 USC 1681b ( 2 ) -permissible purpose no consent was given. Equifax sent lenders incorrect credit scores for millions of consumers this spring, in a technology snafu with major real-world impact. In certain cases the errors were significant enough the differential was at least 25 points for around 300,000 consumers that some would-be borrowers may have been wrongfully denied credit, the company said in a statement. it appears that I maybe one of the victims as these accounts was not authorized or no consent. I want the suspect accounts removed from my consumer report and equifax provide me with a confirmation numbers for every account mentioned here. Please send me my consumer report showing the deletions as proof or evidence. The accounts to be removed are two XXXX XXXX charge off adverse accounts on my credit report. Please remove them and provide confirmation number for removal

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
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: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX  XXXX {$3000.00} XX/XX/XXXX XXXX XXXX  XXXX {$3500.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$5000.00} XX/XX/XXXX XXXX XXXX  ************ {$9000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$13000.00} XX/XX/XXXX XXXX XXXX XXXX {$15000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$340.00} XX/XX/XXXX XXXX **************** - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX 15 U.S.C, 1681section 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 an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-01-06
Company: EQUIFAX, INC.
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:
Equifax not to be rude but I thought in my previous communication with you I made it very clear that Ive suffered from XXXX XXXX XXXX and should not be under any such stress I don't know any other way of convincing you of this except to show you the letter of warning I received from my doc which will be included in this communication. 
Once again it was brought to my attention that there appears to be a listing on my report that is unidentifiable from someone called XXXX XXXX XXXX, XXXX as a matter of fact, when I examined it I noticed under " type ' there is no info and under 'original creditor ' no info. This is unacceptable, I know you've been busy and im just trying to survive.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
This company provided the most inept, frustrating customer service experience of my life, wrongly withholding {$250.00} from me for nearly XXXX months as a result. 

On XX/XX/XXXX I received an email informing me of a {$250.00} rewards redemption on my XXXX card. It was clearly fraudulent. I responded to the email and messaged Comenity through the website to tell them it was fraud. I also called the company and spoke to someone for over an hour detailing what happened. 

I received no communication from the company for several weeks, and then months. When I messaged them through the website, I got stock replies. When I called, I got conflicting messages from their customer service personnel which left me with the impression that no action was actually being taken. 

XXXX months after my initial complaint, they sent me a letter asking me to write them and describe what happened, even though I had already explained the situation multiple times on recorded lines. They clearly had not been doing anything to process my complaint. After I wrote them, they replied with Thank you for contacting us please allow up to 90 days for us to complete our investigation. No acknowledgement that this was an ongoing case. No recognition that I had been trying to deal with this for months. Nothing. 

Later in XXXX, I complained to them on XXXX. They messaged me back, telling me to call the rewards center. The folks at the rewards center said they had no record of my complaint, and no open dispute! After XXXX and a half months, all my attempts to get their attention had produced nothing in their organization. Nobody was talking to each other. 

Eventually, I went back to the XXXX customer service person, and they were able to investigate the issue and restore my rewards balance in less than XXXX hours! They had the ability to handle it the whole time, but instead the company strung me along for months without communication because of their ineptitude and contempt for me as a customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
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:
Someone in XXXX MA assumed my identity and opened a credit card in my name for {$12000.00}. All 3 credit reporting agencies were notified and I contacted them to remove the transaction associated with XXXX  XXXX XXXX XXXX  new travel card opened in XX/XX/2023. 

Now Experian has included the fraud person pretending to me in XXXX, MA, on my list of addresses. I have never lived in XXXX MA or had any associations there. 

This error may help the fraud person to get into my account or establish more credit in my name. The fraud address is XXXX XXXX XXXX, XXXX, MA. XXXX. It must be removed from Experian. 

In addition, my work history is incorrect.

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 2022-01-03
Company: Experian Information Solutions 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. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information

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 2021-12-08
Company: ALLY FINANCIAL INC.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Ally closed my account without notice after I disputed XXXX fraudulent transactions. They sent XXXX dispute form which I returned with an error. For several months and with over XXXX phone calls I asked to resend the form so I could correct the problem and resubmit. As Ally never resent. They claimed they did but have no proof. Now they say the deadline has been missed. They Refuse to review call logs. They Refuse to honor dispute. They Refuse to send the form. They Refuse to explain why they closed the account. They Refuse to credit the account. As a result currently I'm out of nearly {$6000.00}. This appears to be a fraudulent banking practice. I need my money returned to me.

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 2020-11-23
Company: DISCOVER BANK
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Hi I filed a dispute with Discover Credit card company on XX/XX/2020. However it went into 3 rounds of dispute and now the dispute is closed. 
It was about the item not delivered to me. I live at the following address : XXXX XXXX. 
XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX IL XXXX However the item was not listed under my name it's listed for someone called XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX IL XXXX. 
Since the handbag was worth {$5800.00} it had direct signature required delivery where someone in the Apartment, XXXX needs to sign for it. However it never came to my floor XXXX instead it went to the 4th floor and was signed by someone called XXXX XXXX. I don't have the item. I really need help because this is an expensive item and I now have to pay for something which I don't own. I am going to attach all the proofs what I have. I have reached out to the merchant their name is " XXXX '' as well but they are not responding either. I have reached out to XXXX however XXXX is unable to provide any respond to me as they directly work with the merchant. 
My bank is stating that they can not refund me because the merchant has denied the claim. Merchant has proof that item was delivered from XXXX. I am not denying that the item was not delivered I am saying that item is delivered to the wrong person, my name is " XXXX XXXX '' and that's what is listed on my card. However the item is addressed to someone called " XXXX XXXX ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$340.00} ; XXXX XXXX XXXX Balance : {$0.00}

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 2022-01-03
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have been dealing with unauthorized use of my personal information. Which result in unauthorized items on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
Company: Experian Information Solutions Inc.
State: TN
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 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 explanation
Consumer complaint received 2023-03-21
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
Bankruptcy- account # XXXX, XXXX # XXXX Bankruptcy- account # XXXX, case # XXXX i pulled my credit report and seeing my bankruptcys on my credit reports and not understanding why when the court house doesnt share information to credit bureaus 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 an account without my written instructions.

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 2023-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
These XXXX accounts on my credit report still show that they are open with balances these accounts have been closed with the creditor. XXXXXXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX  Account # 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 2020-11-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am an account holder on a Capital One checking account with my mother and my father, both who are now deceased. My mother passed away recently, on XX/XX/XXXX. 

CapitalOne is not allowing me any access to the funds, they will not advise me when I will have access, and will not inform me when I will have access. 

This is unacceptable. I am a full account owner, and should have access to this account. 

I was on the phone for an hour and 28 minutes today trying to figure out why I could not see the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
Company: Experian Information Solutions Inc.
State: NY
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:
An inquiry using my credit negatively was reported to experian for XXXXXXXX XXXX XXXX on XX/XX/2023. I never placed this report, and it violated my consumer rights. The information below I am disputing. It is inaccurate. In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I DO NOT OWE OR OWN THIS.

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 2023-07-26
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have a Lexus Comenity Credit Card. Last month my minimum payment was {$140.00}. I have set my autopay at a fixed amount of {$200.00}. I have made NO PURCHASES since my {$200.00} payment. NOW my minimum payment on my next statement is {$200.00}. Why? Because the interest rate went up from XXXX XXXX ( which is criminal ) to XXXX XXXX ( which is even MORE CRIMINAL ). I was NOT given XXXX days notice of the interest rate being raised and even if I was notified, if they keep raising the interest rate after I make a payment to lower my balance, I will NEVER get my balance. This is deceptive and fraudulent. Comenity is taking advantage of me and probably thousands of other credit card holders. It's ridiculous to charge a higher interest rate, when I made a purchase at ONE interest rate, and it goes up when I made NO PURCHASES. 

This kind of business practices is deserving of a class action lawsuit.

Company response to consumer: Closed with explanation