BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Kohls sabotaged my credit profile by reporting inaccurate information. Account is not 30 days late. This is the third time in 3 years that this company has placed derogatory remarks on my credit profile causing my score to suffer tremendously.Kohls credit reporting practices are unethical and they target consumers unfairly. I have not been 30 days late in over 3 years. I recently made a payment less than 30 days late & it was reported to all 3 credit bureaus deceptively. A payment made a few days after the due date is reflected on my credit profile as being 30 days late. This has happened 3 times since 2019. I demand this information be removed from my credit profile immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-11
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:
I am pleading with you to remove this from my credit report as it is not mine and is entirely fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-05
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I currently have a Care Credit card through XXXX Bank. My issue is, I have consistently made my monthly payments OVER the minimum payment amount required. EVERY month, after I make a payment equal to twice the amount of the minimum payment required, Synchrony LOWERS my credit limit so that it is reported to the credit bureaus the card is at 100 % and charges me interest and fees which then puts me over the credit limit and my overall credit score takes a hit every month. I am trying to pay this card off but this bank is making it extremely difficult. I don't know if this is illegal but it certainly seems to be unethical.

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 2023-06-19
Company: EQUIFAX, INC.
State: DE
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 sent a letter to all XXXX credit bureaus on XX/XX/2023 updating my personal information that is inaccurately being reported on my consumer report. I sent a copy of my ID as well as a utility bill along with the letter which I will also attach to this complaint. It has been well over 30 days and I have not seen any changes. My information is still inaccurately being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: PENTAGON FEDERAL CREDIT UNION
State: HI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I try to manage my accounts with PenFed Online. However, the system is always not working and I am unable to do transfers and sometimes log into online banking. I also can not complete check withdrawals with online banking and I need to call or chat with an agent. Lastly I can't even order an ATM card from a customer service rep without having to print out my own form and send it over.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-04
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I made a deposit at the Chase ATM and there was a problem, they gave me a receipt that said to call a number to check that my deposit was made correctly, I called that number and they told me that they were going to give me a credit, while they checked if the money was in the ATM, and I said Okay. Later they told me that the technician checked and that the money was not in the ATM, and I told them that it was wrong because I deposited the money, that they should check the cameras of the bank and the ATM and they said that they could not do that and I told them that Since they couldn't review that and then what could I do and they said that nothing else can be done, that was all. And then I told them where my money is and the lady who helped me said that she didn't know anything, and that she didn't have any more information than that it was all she had in her notes. 

Note : this problem had already happened before and the money always appeared. The drive true ATMs are always out of order in the 2 branches in the area where I live and the only one that works sometimes is the one inside the bank. And I think that this time the money " disappeared '' because I put some reviews on XXXX maps telling the truth, but they were negative comments towards the institution and I think they didn't like it very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-10
Company: Applied Data Finance, LLC
State: MN
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I applied for a loan through Personify with the interest rate of 8.9 % after receiving the email it was actually a interest rate of 89 %. I have made 3 payments of {$600.00} totaling {$1800.00} which only {$9.00} have been paid off the principle of the loan. I called the company to see about getting a lower interest rate and how I can get more applied to the principle, they told me after every 6 payments made on time I would get a 2 % decrees. I am a XXXX veteran who needed a small loan to get caught up on some bills. I am asking to see if a company can truly charge such a high interest rate. or what I can do about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 am doing a follow up notifying the XXXX and XXXX that I was a victim of identity theft, and this is another request to block and remove these inquiries from my credit file resulting from alleged identity theft. Again, Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to block and remove any items not later than 4 business days after the ( XX/XX/XXXX ). Ive already included this items in my identity theft report in my previous letter & I am including it again. Also, I found another unauthorized inquiry in my TransUnion Credit Report, and I know that this inquiry was opened without my permission. Please see below the inquiries that I urgently needed the 3 Bureaus to remove : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION : 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 2023-02-16
Company: Caliber Home Loans, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX, XXXX and Complaint against " Caliber Home Loans, Inc. " ( a fictitious name used by XXXX XXXX XXXX XXXX and XXXX XXXX as a cover up ) and XXXX XXXX  XXXX, an XXXX XXXX  who operates massive Ponzi Scheme via sham conduits - XXXX XXXX and XXXX companies who collect all my money and who forged documents to steal my home. 

On XX/XX/XXXX " Caliber '' ( dba XXXX, aka XXXX XXXX ) provided evasive and full of lies respond to CFPB saying that " Caliber '' was a Servicer for my alleged " loan '' who purportedly " processed '' my payments, charges and advances while " Caliber '' was a " Serviver '' of my " loan ''. 

First, Caliber never was a Servicer of my alleged " loan ''. The REAL servicer was XXXX XXXX, XXXX ( former XXXX XXXX XXXX XXXX XXXX ) who acted under instructions from XXXX XXXX  who used XXXX XXXX XXXX XXXXXXXX XXXX  as an intermediary. 

XXXX XXXX XXXX XXXX used name of " Caliber " as a cover up. 

Second, Caliber [ read : XXXX ] never collected or processed any of my payments. It was done by XXXX XXXX XXXX who collected all my money and deposited them with XXXX XXXX XXXXXXXX. If XXXX did it- and it was admitted in writing, then Caliber did not do it. 

" Caliber '' [ read : XXXX ] claimed that the servicing RIGHTS [ not actual servicing activitirs ] were transferred from faux " servicer '' Caliber [ read : XXXX XXXX XXXX XXXX ( whose address is XXXX XXXX XXXX XXXX XXXX, XXXX TX ) were " transferred '' to fictitious corporation XXXX XXXX XXXX XXXX XXXX, a single member XXXX incorporated by XXXX XXXX as a cover up for XXXX, XXXX hedge fund, Caliber and XXXX  are both reformed XXXX XXXX, " accrued '' by XXXX XXXX XXXXXXXX in XXXX and restructures into a chain of faux companies who play roles of " servicers '' - without any servicing activities.. 

" Caliber " claimed that they provided " legit documents '' realted to my " ; loans '' such as forged XXXX  from faux " lender '' XXXXXXXX XXXX XXXX " Caliber '' on XX/XX/XXXX ( which " Caliber '' refuse to admit ) ; and undated forged Allonge where " Caliber '' " transferred '' to someone " loan '' which belonged to " XXXX '' according to " Caliber '' 's own words I demand disclosures based on which authority " Caliber '' prepared undated XXXX  where they transferred XXXX '' 's loan. 

I demand disclosures when this Allonge was prepared, and to WHOM " Caliber " transferred this Allonge I demand disclosures WHOM " Caliber '' was servicing all this time if XXXX has no records of Caliber 's servicing, proven by XXXX official responses I demand disclosures WHO authorized transfer of " Servicing rights '' from XXXX XXXX " Caliber '' [ XXXX XXXX ] to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and the name of an individual employee at Caliber [ XXXX XXXX who approved this transfer

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: EQUIFAX, INC.
State: NC
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:
It's been over ( 30 ) days from the maximum reply period for Equifax to respond to my request for VERIFICATION of a XXXX  item appearing on my credit report. 

Thus far, I have NOT received a response from Equifax regarding this disputed item. Based on the postal tracking information, my letter was originally delivered to Equifax on XX/XX/XXXX. Currently, there is NO record of any dispute in their ( Dispute Status Portal ) regarding this matter, nor was there ever. 

I BELIEVE THAT EXQUIFAX " DISCARDED '' MY DISPUTE REQUEST WITHOUT INVESTIGATION AND CLEARLY DID NOT TAKE REASONABLE ACTION TO RESOLVE MY REQUEST, WHICH IS A DIRECT VIOLATION OF THE FAIR CREDIT REPORTING ACT. 

PURSUANT TO THE FCRA, EQUIFAX IS NOW REQUIRED TO ( DELETE / REMOVE ) THIA UNVERIFIEDN NEGATIVE ITEM IMMEDIATELY AND PERMANENTLY FROM MY CREDIT REPORT IMMEDIATELY. IT CLEAR THAT EQUIFAX FAILED TO INVESTIGATE AND RESPOND TO THIS REQUEST. 

See Exhibit ( A ) My original request letter to Equifax dated XX/XX/2022 sent via certified mail return receipt requested. 

See Exhibit ( B ) A copy of my most recent credit report from the PUBLIC RECORDS page which displays the XXXX item in question. 

See Exhibit ( C ) Postal tracking information : # XXXX XXXX confirmation page, with the original delivery date of XX/XX/2022. # XXXX Postal " Certified Mail Receipt '' and # XXXX a copy of the " Stamped Return Receipt signature card, dated XX/XX/2022. 

See Exhibit ( D ) a copy of the Equifax " Dispute Status Page '', with ( 2 ) two UNRELATED and resolved disputes that were submitted before I sent my XXXX request to Equifax. No other disputes are in this portal. 

See Exhibit ( E ) a copy of the U.S. Congress, House of Representative letter addressed to Consumer Financial Protection Bureau regarding Equifax FCRA violations, unfair practices and FAILURE to respond to consumer complaints and failure to correct errors on their credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
Good afternoon, whom it may concern. My name is XXXX XXXX. I filled a fraud report with Wells Fargo on the XXXX of XXXX. I applied for a personal loan with the loan company and the company ask me to provide my personal information which included my banking info on the loan application. I immediately called in when I realized it was fraud and provided them with all the information I had on this company. I have called literally everyday since this claim have been open to check the status. My account was $ XXXX I had a deposit from my job to hit. But the negative ate up the positive, which still giving me a negative balance of $ XXXX still. I have express to this bank on multi times that I do not have any funds available to me. I have two kids that I have to feed and gas to put in the car to travel to wrk. This company is the WORST. No one never help or show any type of empathy. Only because its not there money. My XXXX business day as they say will be Tuesday/Wednesday of next week. I also recently received a alert the fraud had bought a tv for {$1400.00} while this investigation is still open through XXXX that I had to stop and cancel the order that was placed in XXXX and I am in Georgia. Not understanding why WELLS FARGO did not see this happening. This has been a long frustrating two weeks not having any money and only to call a bank that NEVER have any information about your claim. I do understand that theres a protocol that should be taken place. But for this to happen all the way in California and Im in Georgia should state the facts that its FRAUD. Im emotionally and physically drained. I dont even have a {$1.00} to get by. I work in the medical field ( E.R ) so I have to be there for others but I can not do that if I do not have a way to work. I have called this morning the young man AGAIN had no empathy and just hold the phone into you hang up. I WILL NEVER REFER ANYONE TO THIS BANK. ONCE THIS INVESTIGATION IS OVER I WILL BE CLOSING MY ACCOUNT. Thank you so much for listening. I pray that you can help 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 2021-05-12
Company: Persolve, LLC - Legal - Series 2
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have 100 % payback rate on my credit score. I have never missed a car payment for XXXX years and had exactly one year left to complete full payment on a car. Then car was damaged in accident and I could not get help or afford the repairs. I called lean holder to report forfeiture of my car and then discontinued payments. The lean holder promised to sell car at auction and allow money to go towards my debt and I would be informed. After accident I had the car appraised at about {$1800.00} and it was in very good condition. 
I received no communication until they sold loan to a debt collector with additional higher interest added. I have spoken to office of lean holder and debt collector but neither is willing to negotiate my debt and interest is rapidly increasing. 
I am XXXX and want to fix this debt but with my low income it is too much for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: EQUIFAX, INC.
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: Experian Information Solutions Inc.
State: AZ
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:
On XXXX Upon checking my score with Experian i noticed my score dropped XXXX to a score of now XXXX points due to " an account 60 days past due or derogatory indicator '' However my credit summary reflects a perfect payment history and my score at XXXX and XXXX as well as my personal banking credit score does not reflect any derogatory indicators and my score through these reporting agencies reflect XXXX respectively. 

I have contacted Experian approximately 20 times to resolve this issue and have not been provided with a solution to why this is being reported upon logging into the Experian app. This situation has caused me an enormous amount of stress. I should not have ANY derogatory accounts or missed payments on my credit report When i attempt to dispute this with Experian they transfer me to different departments and refuse to remove the derogatory indicator from my credit summary. The Derogatory indicator is not linked to any specific account it simply is just posted to my credit summary. When I attempt to view my payment history my rating has changed from " Exceptional '' to " Good '' with a last missing payment date of " Unknown ''. 

This is false reporting on my Experian 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 2023-01-19
Company: EQUIFAX, INC.
State: NC
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:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

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