BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-02
Company: Experian Information Solutions Inc.
State: NJ
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:
XXXX XXXX XXXX - Loan # : XXXX. A incorrect 30 day past due payment/negative alert was filed by XXXX on XXXX credit file with the experian credit bureau XXXX I mailed the payoff check to XXXX in XX/XX/2023, before the 30 day deadline and the loan is now paid off - in full. XXXX filed a " paid off '' with the credit bureaus in XX/XX/2023, and then AFTER it was paid off AND closed they then filed a 30 day past due on XX/XX/2023 with the bureaus AFTER my account was already marked paid off. This is unfair and should be illegal. How can an account be closed and " paid in full '' and then a creditor be allowed to file a late report AFTER the account is closed and how are credit bureaus allowing this. I have never been late in all the years I've had my loan and this negative report has severely impacted my credit score.

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 2020-04-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
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:
Captial One is reporting a late for XX/XX/19. I have never been late on this account. This is being reported in error. I have had this account for a very long time and I have never had problems with this account.This is affecting my credit and it needs to be removed as soon as possible. This is an error on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.

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 2023-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

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 2023-09-03
Company: EQUIFAX, INC.
State: AR
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:
15 U.S.C 1681 Section 602 A. States i have the right to privacy. 15 U.S.C 1681 Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not consumer in connection with the collection of any debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-05
Company: Bread Financial Holdings, Inc.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
After checking my report there is 2 errors. 
I did have my credit information stolen on 2 different times, On the State and Federal level. 
There is a bank listed in know nothing about it, and a change of residence in my address.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-16
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I transferred {$1600.00} Comenity Bank ( XXXX ) credit balance to a new XXXX card with a zero percent balance transfer offer on XX/XX/2019, which is the date the balance appeared on my XXXX account. I wanted to close my Comenity Bank account but discovered it still reflected a {$1500.00} balance ( reduced because I had made a {$100.00} payment waiting for the transfer to be completed. ) On XX/XX/2019 I contacted Comenity Bank to ask when my account would reflect the transfer and how to close my account. I received the following response on XX/XX/2019 : We certainly do apologize for any inconvenience or confusion this has caused. Please go to the Account Services tab and select Transfer a Balance. Once you have selected Begin a Transfer, please follow the steps to process the request. The promotional Annual Percentage Rate ( APR ) and the total amount able to be transferred will be provided on the main Balance Transfer page before beginning the request. 

Although we are sorry to hear you wish to close your account you may do so by : 1. Submitting your request online via our " Contact Us '' link ( after sign in ) 2. Contacting us at the phone number listed on your credit card 3. Sending your inquiry by mail to the address listed below : XXXX XXXX XXXX XXXX, OH XXXX For one thing, I have never heard of having to request a balance transfer from the bank where I want to transfer a balance from. I transferred another account to the same XXXX card, without contacting the issuer, and it was transferred with XXXX  balance being reflected on my statement within a few days. This practice, if legal, is incomprehensible. I am now paying fees on two accounts for the same balance. 

Second, I am unable to follow the instructions provided to 'request a balance transfer ' because there is not an " Account Services '' tab on their website. 

I have been reasonably satisfied with Comenity Bank for the nearly ten years I've had the account, however this is absurd and, I hope, illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-17
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I am contacting you because I found accounts on my credit report that does not belong to me. I am not sure how this information was placed on my credit report but I need it removed immediately. I contacted credit bureaus to investigate and give me evidence of ownership but they are not complying.. I want you to please get rid of this information as soon as possible and notify me when you do this so I can go ahead and apply for the things I have to apply for XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05
Company: Lending Club Corp
State: ME
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
Lending Club continues to send me " pre-approved '' loan offers after having twice to lend me funds. I have written to the company and they sent me a response that does n't really answer my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31
Company: CITIBANK, N.A.
State: CO
Product: Credit card
Issue: Billing disputes

Complaint:
I made a purchase with at Macy 's with my Macy 's credit card ( # XXXX ). The items never arrived. I disputed the charge but Macy 's refuses to credit my account and wants me to chase my refund via their shipper. I have no contract with their vendor. My contract is with Macy 's. I want my refund. Please help as this is consumer 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 2022-05-02
Company: Linebarger Goggan Blair & Sampson LLP
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Fake Company from Oregon has my info WARNING me of past due COURT FEES OR FINES of {$750.00}, which I know for a fact I don't have!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03
Company: EQUIFAX, INC.
State: NY
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:
I sent my letter over 30 days ago regarding things on my report that I disagree with. I never received a response from the credit reporting companies. Hopefully, this solves my problem

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-16
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: 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 personal information. 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 2023-09-03
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
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. 

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 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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-13
Company: GOLDEN 1 CREDIT UNION, THE
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022 I experience issues while trying to receive an instant deposit from XXXX XXXX to XXXX XXXX. XXXX XXXX provided the trace ID and compensation for the instant payment not being received. XXXX  XXXX initially emailed me saying my funds are subjected to being on hold, although XXXX sent this as an instant payment. Being an employee with XXXX XXXX, I called support to get assistance with the deposit not appearing & attempted to provide them a XXXX digit trace number. The support agent informed me this was a charge onto my account and will be released in XXXX days. She mentioned the system didnt acknowledge it as a credit, although my email stated the deposit was subject to hold. In addition, the company turned my Courtesy Pay off from my account. The policy states, after not bringing the account to a positive balance after XXXX  days, you will be removed. Removed and Disqualified are separate things, disqualification happens after XXXX  days. On the XXXX day, I was removed. I requested to be re enrolled XX/XX/XXXX and spoke directly with a supervisor. He confirmed I was enrolled and would need to wait XXXX. After waiting XXXX, I reached out XX/XX/XXXX informing this supervisor my Courtesy Pay wasnt activated. He informed me, he didnt give me the proper instructions and I would need to now request this at XXXX XXXX. It took approximately a week for Courtesy Pay to be active and it was only after sending the email about contacting CFPB. I feel as if I am being mistreated, mislead & the products have been deceptive. I also feel these are intentional acts. Ive been asked for additional verification, in order to get external transfers released although the account hasnt been red flagged for the transfer. Ive been asked to prove I am a Ca resident in order to open additional accounts although I am a XXXX  XXXX employee. I emailed the company asking for a response & my dispute was reversed on my account yet my email has not been acknowledged for products, services, or my appeal that I requested in writing. I have been mistreated as a member and mistreated as an employee.

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 2017-04-05
Company: LD Holdings Group, LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I had XXXX hard inquiries from imortgage company ( XXXX ) on my credit report on XX/XX/2017 and XX/XX/2017 making it XXXX times in 8 days. 
I called both XXXX and XXXX who reported this inquiry and I was advised to ask for a letter of deletion from the loan company to take it off my credit report. 
My loan officer denied making the inquiry on the XX/XX/2017 and has refused to give me a letter of deletion for the hard inquiry on my report.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH
Product: Credit card
Issue: Billing disputes

Complaint:
I pay {$700.00} to my USAA visa credit card on XX/XX/XXXX, and it is not reflecting on my credit score. They said every thirty days they report to the credit bureau but I still do not see it reflecting on my score its been over 30 days. The VA has given me an opportunity to get a house loan but wanted me to take care of this card to lower my balance on this card and my XXXX card, I did and I score dropped XXXX points. since XX/XX/XXXX 87 % of the time I have been paying regularly money coming from my account but my score never reflects. I am at a lost I do not know what to do. PLEASE HELP ME, I am trying to understand all this credit issues thank you, consumers struggle to make ends meet but we continue to drown because we do not understand the system.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: EQUIFAX, INC.
State: NC
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:
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 is XXXX XXXX and 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 non-monetary relief
Consumer complaint received 2020-04-07
Company: ENCORE CAPITAL GROUP INC.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have called multiple times and spoke to multiple agents and my issue still has not been corrected. My account was sent to your law firm XXXX, XXXX, XXXX. I paid in full. Last payment processed XX/XX/XXXX. I contacted the law firm on XX/XX/XXXX XXXX to confirm my payment was accepted. They told me it posted XX/XX/XXXX and that it took 10 days for it to get to Midland. After 10 days, I contacted midland because my account was still showing a balance on your website. They told me that they still had a balance on their end and to contact the law firm. I called the law firm they said they did their part and I needed to contact midland. Midland says I should receive something in the mail soon and it will update with the credit Bureaus. Im steady going back and forth and I get an alert to my credit report on XX/XX/XXXX that Midland has increase my amount balance due to them to {$44.00}. My credit score drops! Im devastated. Trying to buy a home and this happens. They reported incorrect information. Per their policy This account needs to be updated to reflect {$0.00} balance and deleted as agreed upon in the policy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-04
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I 'm with Navient and was encouraged to enroll in the Income Driven repayment plan. I make XXXX a year, however, that does n't show/take into consideration what I pay for yearly rent, car payment, insurance, credit card & medical debt. My first couple of payments were close to XXXX. Very manageable. With in a few months, my payment shot up to {$570.00}. I ca n't pay that monthly, which drove me in to Navient 's next " best option '' forbearance. They also wo n't allow you to change your payment plan unless you call them. You can only apply for deferment or forbearance on their site. I know they 're in a law suit right now, so I 'm hoping this complaint helps with that. They made no efforts in truly educating me on the income based plan. To my knowledge the first few years of payments would start low and end higher based on my income growing. Clearly this was n't the case. And the amount of interest I 've incurred because of forbearance is just ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Mortgage company lied about me having home insurance, took escrow payments from me and made it seem like I had home insurance while I had none for months. Now I am being penalized for not having insurance for 30 days as I am trying to refinance. The new company that is doing the refinance informed me that I dont have insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the following accounts as they are fraudulent & were opened without my consent or knowledge XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX NY 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 2023-09-03
Company: EQUIFAX, INC.
State: MD
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:
In accordance with the Fair Credit Reporting Act XXXX Account # 's : XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX ), XXXX XXXX  ( 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 : States a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: First Technology Federal Credit Union
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/22, I received a letter from First Tech Federal Credit Union that states I have a savings account that was opened on XX/XX/22. I see there was {$10.00} on the 25th transferred in and then back out, leaving a zero balance. 

Upon calling XXXX, I spoke with customer service XXXX XXXX. She requested the last 4 of my social security number which I confirmed and then text me a message with a numeric code to prove I was the savings account holder. 

I conformed the text message to discover via conversation that a previous company I had owned years ago had opened a savings account in my name. I had XXXX flag my account to avoid anyone opening a loan. 

She sent me a affidavit and asked for it to be completed and sent back. It asked for a copy of my driver 's license, social security number and additional personal detail. 

I did not fill it out or turn it in to her because I could not prove I was calling nor speaking to a legitimate company. 

I filed a police report and called XXXX to flag my credit with XXXX, XXXX and XXXX. 

I want this savings account closed without having to provide them an affadavit and relinquish more private information about myself. 

Let me know how you can help me to resolve this issue. 

Thanks!

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