BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-19
Company: EQUIFAX, 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 Equifax and XXXX 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 corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance {$25000.00} XXXX XXXX XXXX Balance XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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 fail credit XXXX XXXX XXXX XXXX # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

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

11.7K 15 USC 1666B : A creditor may treat a payment on a credit XXXX account under an open end consumer credit plan as late for XXXX copy it and put it in that box ( a " and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: Experian Information Solutions 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:
XXXX has stopped me from using the Visa but continue to charge me interest and report negatively to my credit bureaus

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 2023-05-30
Company: Experian Information Solutions Inc.
State: AR
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:
Debt not owed. Debt was paid in full.

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 2018-04-18
Company: Bread Financial Holdings, Inc.
State: KS
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I am getting 8-12 calls from the company per day, including them masking their number and not leaving any messages. It starts at XXXX XXXX XXXX XXXX and goes until XXXX XXXX XXXX. I know they're trying to collect payment from me for a {$30.00} balance still left on the card. I intend on paying it off and canceling the card as soon I get the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06
Company: Experian Information Solutions 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 was advised to contact you all regarding items on my credit that is not mine. I also reached out the my local police department and the FTC. 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 2020-05-20
Company: HYUNDAI CAPITAL AMERICA
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
The company I'm complaining about is KIA MOTOR FINANCE In XXXX of XXXX they called a reference of mine and I called them and asked do not ever call this reference again hey have contact number.In XXXX of XXXX and XXXX XXXX hey called the same reference asking them for my contact information.I called the today and advised again do not call this reference and they advised that the name is on my contract as a reference and i advised i does matter I have asked them not to contact my references because they have my contact information and i did advised i would be filing a complaint in regards to this matter This is a FDCP violation and I want this fined for it

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 2023-06-22
Company: Experian Information Solutions Inc.
State: LA
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 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 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 2021-08-30
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I opened a venmo account around XX/XX/XXXX. I managed to make a payment with no problems using PayPal. To my understanding, PayPal is no longer a trustworthy and/or unreliable company, I decided to link my XXXX  account with venmo. Ever since I made this transaction I've been having serious problems with : adding/removing my funds from venmo. Every time I made an attempt to add money, it stated that an error was made. About a week or two I received an email from venmo letting me know that I've been restricted from using venmo, without any explanation. I finally figured out how to add money into venmo, after so many attempts and disregarding the above message, I decided to add {$400.00} dollars in the account. Now my venmo account is frozen and I can't find any way to withdraw the funds or transfer them to a bank. 
In other words, I can't take the money out my venmo account or transfer it to another account. What can I do to resolve this issue?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: Early Warning Services, LLC
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
There was man who named himself XXXX XXXX XXXX and told me that I missed Jury duty and I had 2 sitations. 2 sitations XXXX Failer to appear XXXX XXXXXXXX XXXX He called me at XXXX. 
With each sitation he also told me I had warrants for my arrest if I didn't comply and pay XXXX per sitation. He also told me to get my money back I must report at the next federal court on XX/XX/15 to the next court appearance at XXXX XXXX  at XXXX XXXX XXXX XXXX, VA. 
Also I must pleade my case of why I missed the first Jury Duty trail at XXXX XXXX. XXXX, XXXX, Va. 
I had to pay the fines to stay out of XXXX  and pleade my case. He told me the method of payment was Zelle. This guy had a very professional voice and was so believeable and smart he tricked me into giving him the entire XXXX. He told me to send it to the clerk on Zelle to the name XXXX XXXX XXXX. That is the person who the money transaction was made to. I did file a police report and told my bank since the Zelle was through my XXXX XXXX XXXX. They seem to be giving me the run around and I have been a member for over 15 years. I really learned a valuable lesson on scams to never give money over the phone to anyone even if it was a pretend sheriff. I really needed that XXXX for my wedding and I am very hurt this happened to me. 
Hope they catch this guy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: Experian Information Solutions 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:
My personal info was stolen and used without my consent. This issue has caused me to become depressed and homeless. I refuse to pay any debts that I did not take. This is my formal complaint to get these items removed off of my credit report. 

XXXX XXXX  {$510.00} XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX {$3100.00} XX/XX/XXXX XXXXXXXX XXXX {$0.00} XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX {$8500.00} XX/XX/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 2023-07-19
Company: EQUIFAX, INC.
State: VA
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 were incorrect. 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 correction 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-19
Company: EQUIFAX, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX Balance : {$3800.00} XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX  ) XXXX Balance : {$510.00} XXXX XXXX XXXX  XXXX Balance : {$2100.00} XXXX  XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXXXXXX Balance : {$7600.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, NYXXXX XXXXXXXX XXXX XXXX  XXXX , NYXXXX XXXXXXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-01
Company: Bread Financial 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:
i have contacted all XXXX credit bureaus as well as XXXX XXXX times challenging the accurate, compliant, and factual reporting of an account that is showing on my credit report. each time it comes back verified as accurate ... .what type of investigation are these companies doing when there are so many violations and inconsistencies in the reporting between the XXXX bureaus? there is no way they are conducting a proper investigation as required by law ... .i have attached a copy of the credit reporting with the errors i see,,,,, this account has been re aged which is a violation, this account is reporting a a charge off and it is also reporting a credit limit and a high credit... those are all violations as a " charged Off '' account should not be reporting any of that ... .look at the XXXX year history it is not uniform across the board which it should be...

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10
Company: Experian Information Solutions 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:
Experience is reporting incorrect and inaccurate information on my credit file. I have tried to get it corrected with them several times now and it has still not been resolved.

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 2023-07-19
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:
Ive disputed an acct with collection agency XXXX XXXX XXXX the accts have been removed from XXXX bureaus butg is verified on equifax only i disputed this acct several times and have not received and verification the debt is mine in writing or a valid verification due to how can a collection agency validate a debt without original signed contract from original debtor. Ive sent documentation explaining its not me its a fraud acct but its been removed from XXXX, XXXX both XXXX XXXX XXXX acct but 1 remains only on equifax as verified and its not my acct this is holding me up from making life changes in life.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Comenity, requests for assistance were made since XXXX  year til now with no resolutions whatsoever then, you got took over by another company. Now the concerns seems lost as to which credit card company is responsible. You delayed assisting by seeking for details to the charges, in order to assist. When that was provided you then seek for their service contract, more in order to assist or investigate into it. Which is it? Now Comenity has been taken over by this other company. I spoke to your worker XXXX  in XXXX to close Comenity accts XXXX, which were also already requested in the previous mentions to CFPB, which were not addressed. Prior to that other companys takeover. When requested to close it, XXXX explained that Comenity is now unable to close it? Comenity ruined it, again. XXXX  mentioned to not close this, when contacted Comenity in XXXX so, Comenity may better assist with the concerns but still now it has not resolved the matter of many years ago delayed. Also, in the most contact to CFPB, i mentioned that XXXX does not respond to any of the requests for their contract so, unable to get a contract that you desired. Conmenity should contact them for their contract that you seek for Coverages XXXX from XXXX  year. Also, few minutes ago contacted Comenity, your telephone hung the calls many times, I asked your worker XXXX to connect me to a manager, the call got hung again. XXXX mentioned to write to Disputes dept, unwilling to connect me to that dept? Conmenity should contact XXXX  for whatever contract that you desire so, you may in order to resolve the matter that you delayed ; as what were provided are not enough for Comenity in order to resolve this or you are going to desire other stuff so to not return the funds? Like your first request for details then, coverages then, still no resolving the matter. Coverages # XXXX date XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: EQUIFAX, INC.
State: VA
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 am writing this due to non-compliance with the ( Equifax, XXXX, XXXX  ). They have failed to remove information that was affiliated with personal details that were challenged in the pass. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Last XXXX XXXX week 2018, I tried to use my Santander account in XXXX. One of the reasons I had originally opened the account was because I was told that it was an international bank. Much to my surprise, it was not, and I was informed that Santander in XXXX has no connection to Santander in the US. While on the phone, I requested that my account be closed and my funds be returned to me, as I had been lied to. This did not occur. Instead, I had to pull out all of the funds myself. The account sat dormant until they let a charge that was not supposed to go to that account ( it had been set up to charge a XXXX account ), slip through. Because the account was never closed, they continued to charge me fees, etc. The account should have been closed a year ago.

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 2023-10-24
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I got a new XXXX through XXXX XXXX XXXX  on XX/XX/2023. On XX/XX/XXXX I made my first payment through my personal account in XXXX XXXX XXXX since I am able to see all my personal accounts including my XXXX XXXX XXXX  account through Online banking. 
After that, I create the payments through XXXX XXXX in my Business account XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) I always pay my cars through my business account not personal account. Since my previous XXXX car was through XXXX XXXX, this payment was already created. I modified that automatic payment and added the XXXX XXXX XXXX  account number but inadvertently did not make the change from XXXX to XXXX, therefore even though the payments were created and sent with the correct XXXX XXXX they were sent as a check to XXXX instead of XXXX XXXX a completely mess ). On XX/XX/XXXX and received an email that my car account was past due ( I did not receive an email prior to this or by mail ). I contacted BOA right away and they said that my account was paperless and that they do not understand why I did not receive an email or phone call prior to that. I explained the entire situation to them but of course they said they understand it was a mistake and that they already reported me to XXXX and I need to fight this with them. They say they will add the notes of what happened on my profile that way when XXXX contacted them, they were able to explain but they can not call XXXX on my behalf. I have been fighting with XXXX since that trying to figure out where the payments are and to obtain the 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 2023-05-01
Company: KEYCORP
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Applied for a mortgage loan and locked in an interest rate in XXXX after getting a pre-approval letter and having an offer accepted on a home. Was not told during the pre-approval process or anywhere during the start of the loan application process that I had the option of waiving escrows to reduce my closing costs. After receiving my first loan estimate, was told that I would need to produce additional proof of " reserve '' funds to be available at closing in order to get through underwriting. At that point, asked if waiving escrow was an option and was told by the loan officer ( XXXX XXXX, XXXX # XXXX ) that this was an option, but he would be 1 ) taking away a " lenders credit '' and 2 ) adding a new " loan fee '' in retaliation for my waiving escrows. This loan fee was NOT mentioned anywhere on my initial loan estimate, the revised loan estimate, or the initial closing disclosure ( the latter of which also had a number of other accounting inconsistencies ). Two days before closing ( XX/XX/XXXX ), I still have not received an updated closing disclosure and have not been given a justification for why they are adding this NEW loan fee that they did not previously disclose on paperwork anywhere before. Extremely unprofessional experience dealing with XXXX, who lacks attention to detail, and KeyBank, who have added new fees out of nowhere, without disclosing all my options at the start of the loan process.

Company response to consumer: Closed with explanation