BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-05
Company: EQUIFAX, INC.
State: GA
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:
I have sent a letter to the credit bureaus XX/XX/2020. I have not received any results yet. It has been over 60 days. That is a voilation. I demand for those accounts to be deleted at once. I feel as if they are taking advantage of me and not taking my request serious. I also sent a complaint through consumerfinancial.gov/complaint a few weeks ago. This is my second attempt to send a complaint. I received a letter from you saying you threw out my last complaint for not identifying myself. I am Who i say I am.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My husband was texted by a company yesterday saying they were going to serve me ( his wife ) with papers for a lawsuit if I didn't immediately respond. When I called they gave me a reduced settlement option or a lawsuit. They threatened to serve me at work, and told me the debt was in the statute of limitations. Their phone number on the letterhead does not work, and I saw that a company with a similar, but not exact, name is on a fraud site. They call themselves XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Today I gave them my debit card number and paid the XXXXXXXX XXXX because I thought they might be legitimate. They pressured this resolution. They gave someone else ( my husband, but still not me ) the information initially. I want to know if they are legitimate.

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 2023-01-23
Company: WELLS FARGO & COMPANY
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I open up a new account with them last year my card was stolen someone had stolen over XXXX from my account and I reported all the transactions I did not make so I explained and told them they then closed my account and they said that I was gone get refunded all my money back I havent received nothing or heard from them since. And the only money I received from them was a XXXX dollar and something cashiers check cause thats the only amount I had left in my 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 2023-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$360.00} XXXX XXXX XXXX XXXX Balance : - XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX Balance : {$42000.00} XXXX XXXX XXXX XXXX Balance : {$4800.00} XXXX XXXX XXXX XXXX Balance : -

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 2023-10-13
Company: LAND HOME FINANCIAL SERVICES
State: OH
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:
According to the federal Credit act this creditor Has violated my rights On the fifth teen 8 c section 602 that I have the right To private. And it also states that I that a Creditor can not furnish an account without My written instruction. A tread creditor can not treat payment Or credit card account under an open 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 2023-01-23
Company: WELLS FARGO & COMPANY
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
At the time filling 2020 taxes no received the XXXX, account was cancelled and discharged for an amount of {$7400.00}. Never notified that was a balance taking interest when the car was sold. IRS auditored and put it like an income.

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 2023-03-06
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:
I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Bank of America reported my credit card over 30 days late to the credit bureaus. I submitted a dispute with them, as I had never received a statement ( via email or in the mail ), and there were no notifications that the credit card was late or that a payment was due. The payment was 34 days late according to their system and my credit history has been otherwise perfect. 

They initially did request to the credit bureaus that the late payment be removed and my credit card XXXX  scores went back up. But later, they re-reported the late payment which caused an immediate drop in my scores. 

They have made it very difficult to obtain information on the request, why they reversed themselves, why I didn't receive billing notification or statements, etc. They have sent letters to call them- with no specificity on who to contact. In general they have made this a difficult and painful experience. 

Representatives I have spoken to are frequently confused, have partial information or can not reference back to my original request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-16
Company: SYNCHRONY FINANCIAL
State: NV
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/XXXX, I took my dog to the vet, the bill came to {$410.00} I had a balance of $ XXXX.on my Care Credit/Synchrony Bank card . It was declined. I contact CareCredit who informed me that they lowered my limit unbeknownst to me. Ive always paid my bill on time. CareCredit/ synchrony the powers that be figured I didnt use my card ENOUGH, they would take a step towards ruining my credit! Never mind the fact that I pay on time every time. Most credit card companies send out a notification and allow a grace period. My available balance as of XX/XX/XXXX was {$1500.00} to XX/XX/XXXX a balance of {$100.00} how is this ok without notification. A credit card company should not be able to ruin a persons credit when that person PAYS their bill on time! I feel like Im being punished for using my Care Credit for emergencies only and paying on time.

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 2023-03-01
Company: Experian Information Solutions Inc.
State: MD
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 fourth endeavor 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 XXXX, MD XXXX XXXX  XXXX XXXX Balance : {$4700.00} XXXX  XXXX Balance : {$11000.00} XXXX  XXXX : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX  XX/XX/2022

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 2023-10-13
Company: Block, Inc.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/2023 There were two transactions happened from my account for {$2500.00} and {$2500.00}. I didnt authorize those transactions and I disputed them on the same day and asked them three times to help with the transaction and stop the transactions but they dined it. I didnt authorize those transactions and theyre making me responsible for it. This is the second time in one year they dined my dispute which is not acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16
Company: ENCORE CAPITAL GROUP INC.
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I acquired XXXX XXXX XXXX XXXX XXXX to consolidate all of my credit card debts on XX/XX/XXXX. I spoke with XXXX XXXX representative for Midland Credit Management on XX/XX/XXXX, and she stated that my previous payment plan was cancelled on XX/XX/XXXX. Also, XXXX stated that XXXX XXXX XXXX XXXX XXXX established a new payment plan for me, and that the first payment to Midland Credit Management will be XX/XX/XXXX. Since then, I have received several emails and statements from MCM harassing me about a payment. MCM is not supposed to contact me, but should be contacting XXXX XXXX XXXX XXXX XXXX regarding future payments on my behalf. I called MCM several times regarding them to stop contacting me and contact XXXX XXXX XXXX XXXX XXXX XXXX I kept being told that I needed to speak with a representative from a certain department, but no one was available to speak with me and that I should call back the next day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
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:
When I first applied for my credit card I was not informed about how high my interest rate would be each month! 

I was mislead by the personal banker who set up my credit card account. I am also being charged interest fees for my checking and savings accounts as well!

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 2021-01-16
Company: Bridgecrest Acceptance Corporation
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:
On XX/XX/XXXX I traded my XXXX XXXX XXXX for a XXXX XXXX at an authorized XXXX dealership. Upon the trade the dealership was suppose to pay off my old car. My financing company for the XXXX began calling me about late payments which confused me because the car should have been paid off in full by my new financing company. I was in full communication with both companies for weeks about this error and was assured this should not affect my credit. The new financing company corrected their error and paid the car off but not before negative reports were made on my credit report. The new financing company made a big mistake when it came to my trade. I was in full communication and cooperation with both companies and feel there was nothing I could have done differently so the negative report and credit score reduction should be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Capital one checking Account was denied. No reason supplied. Requested information from XXXX XXXX XXXX, but account was denied by Capital One, which owns XXXX XXXX XXXX 

I have never had an account in bad standing. The only issue is opening accounts and possibly closing them. Never a late fee or overdraft ever If a company can OWN a consumer reporting company, that means monopoly. There needs to be a third party recommending the reasons.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Capital one has sent negative information to the XXXX  without my written consent : as well as my authorized users. I have never given written consent to send any info to a third party. This has caused problems for me to obtain anything for my future, has caused stress and XXXX in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
i sent transunion a dispute about a inaccurate item that that are reporting on my credit report on XX/XX/2020 and i haven't receive anything or has the inaccurate item been remove from my credit.it has been over 30 days allowed by the FDCPA to respond, which is a violation and should be removed.

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 2023-06-15
Company: ENOVA INTERNATIONAL, 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:
15 USC 1681 Section 604 A Section 2 : It states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: GERSHMAN INVESTMENT CORPORATION
State: MO
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 did not find out that a cash out refi was being initiated on the mortgage in my name for my residence until I received notification from my credit monitoring company that a XXXX hard inquiry in XXXX months had been initiated. The mortgage is in my name only but my husband is on the title. 

When I contacted the originator of the hard inquiry I was told that my husband had authorized it. When I spoke with him about it he told me that he did not give consent to run my credit. I requested the documentation in my file of authorization to run hard inquiries on my credit report but they have not produced anything and they have simply stated that they have never had this happen before.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: Star Loans of Texas, Inc.
State: OK
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
On XX/XX/XXXX in XXXX, Ok I communicated with Manager XXXX at Star Loans that I would be several days more late on my payment. The loan was due XX/XX/XXXX with a 10 day grace period it would be XX/XX/XXXX. I told her that my account is over drafted, it was a hard month for me supporting a XXXX and 2 adults due to the stresses of the economy and holidays. XXXX was extremely rude and insulting. She told me she could not hold my loan for payment on XX/XX/2021 and cant I go overdraft your account more to get the money. I told XXXX shes being insulting and that I always communicate to her issues I may have when making payments, but that they do get paid. XXXX continued to speak to me in a hostile manner stating this is a two way street and youll need me for money in the future. XXXX then asked what date do you want me to put you for I told her XXXX XXXX said no Ill put XXXX you can pay me with your stimulus check. She hung in my face. 
XXXX is always rude and hostile at Star Loans. She needs to be reprimanded immediately. I am a XXXX XXXX and XXXX would call to administer her XXXX XXXX. I did this for her. For her to be so rude to me not only humiliated me, but I will never do business with her after XXXX when I pay off the loan in its entirety.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Car was my moms not mine and still showing on my credit history. Called XXXX multiple times and keep getting the run around. They called and harassed me many times and I had to change my number.

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 2023-10-13
Company: Credit Corp Solutions Inc.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have disputed an account with a collection agency ; asking them to FULLY VERIFY AND VALIDATE this debt. This is my FOURTH letter from this collection agency; refusing to send all required and requested. I am entitled to the following documentation to fully validate a debt : 1 ) Original account number 2 ) Alleged amount owed 3 ) MY WRITTEN SIGNATURE with the original creditor 4 ) My written signature to have my account sold to a third party 5 ) Itemized copies of entire billing history of alleged debt The only information this debt collector will send is an itemized alleged billing history. There is no proof of ownership, nor proof that this company can collect debts in my state.

There is no written signature by me with alleged creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
In brief, the matter is about an unfair decision in my view regarding your closure of my account in 2018, at which time I resorted directly to XXXX XXXX XXXX CEO of Chase Bank, as I received a phone call from a member of his office, who indicated that such decisions could never be disclosed, and which left me to guess and I did not come up with a convincing reason, as I have not and will not commit what could be considered a violation of banking rules and customs in any way where they closed my bank accounts, which caused a huge loss in addition to moral damage.

Company response to consumer: Closed with explanation