BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-01
Company: Genesis FS Card Services, Inc.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The account was never delinquent. Account paid in full with no missed payments. During Covid the company didnt have adequate support and each call the customer service was suppose to correct issues and they failed to remove this from my credit report after multiple attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01
Company: ID Analytics, Inc.
State: CO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX reporting late payment XX/XX/2020. This payment was not late to due XXXX XXXX in place order. I made arrangements with XXXX about the late payment and they agreed not to report past due/late. CARES ACT does not allow this payment to be reported as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-20
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: Was not notified of investigation status or results

Complaint:
On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
This is not a dispute request but a complaint that my rights as a consumer have been violated under the FCRA because I have NOT HEARD ANYTHING from the bureaus in 90 days regarding my dispute and I have sent two dispute letters requesting an investigation to the following accounts : XXXX  XXXX  Account Number : XXXX, XXXX Account Number : 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 2023-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
TransUnion has incorrect personal information on me. They have on file possibly two addresses that are not familiar or false. Also my current address is not on file. My full name is not on file and there may be a fraud alert from XXXX. This i had on file with XXXX but was able to correct without problems. TransUnion is not being as cooperative. TransUnion would not accommodate for my XXXX either. Instead they disconnected the call refusing to correct the information. I also needed to dispute two accounts falsely reported if still on file.

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 2022-03-11
Company: Experian Information Solutions Inc.
State: MI
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:
Experian does not have permissible purpose to report anything negative to My consumers credit report. If it doesnt benefit me, it shouldnt be reported. As a consumer, I have the right to privacy. Experian isnt allowed to report late payments along with negative inquiries to my consumers credit report. Experian is in violation of the U.S. CODES. I do not and for future reference will not give Experian, along with the rest of the credit bureaus my written instructions to report anything negative to my consumers credit report. Experian should not take information from third parties and report it to my consumers credit report. Thats aggravated identity theft. No consent is also identity theft! I am the original creditor and Im the only one who can extend credit.

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 2021-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I AM VERY CONCERNED AT THE FACT THAT XXXX  NOR TRANSUNION HAS BEEN ABLE TO RECTIFY THE INACCURATE INFORMATION REPORTING WITH XXXX  XXXX. AFTER SEVERAL ATTEMPTS AT TRYING TO REMOVE THE NEGATIVE INFORMATION, XXXX  WENT AHEAD AND WASHED OFF THE INFORMATION BECAUSE THE INFORMATION REFLECTING IS VERY FALSE. I NEED TO RESOLVE THIS ISSUE AS SOON AS POSSIBLE. THIS IS A MATTER I NEED TO TAKE CARE OF AND I WOULD LIKE TO HAVE IT FIXED PLEASE. I HAVE ATTACHED PROOF OF THE ACCOUNT TO THIS CONCERN. PLEASE RECTIFY THE ISSUE IMMEDIATELY.

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 2023-09-21
Company: Experian Information Solutions Inc.
State: NJ
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XX/XX/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 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 explanation
Consumer complaint received 2022-07-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was the victim of a housing scam, in which I put down a security deposit through XXXX on an apartment that was revealed to be fake. Capital One, my bank, has refused to refund me despite acknowledging that this was a crime. 

On XX/XX/XXXX, My roommate and I found a listing on XXXX for an apartment in XXXX MA. My roommate emailed the real estate agent about the terms of the apartment, in which he requested the first two months rent as a security deposit ( {$5000.00} total, {$2500.00} per month ). He sent over an entire lease agreement, which my roommate signed and sent back. We looked up his name online and found his credentials verified with a real-estate company website. I sent over {$2500.00} by XXXX to the landlord of the apartment. My roommate did the same. We believed we had put down the security deposit for our new apartment in XXXX. 

On XX/XX/XXXX, my roommate called the real-estate agent in question via his phone number on the company website. The agent told us that the apartment we had rented was not one of his listings -- in fact, he hadn't been emailing us at all. Someone had stolen his identity, drafted a fake lease agreement, and swindled us into sending money for an apartment that didn't exist. 

We immediately called the XXXX police department and filed a report. I called Capital One to file a claim disputing the transaction, given that this was a crime for which I was a victim. On XX/XX/XXXX, they told me that my claim was denied. This was because I had sent the money through XXXX -- they could not recall the money already sent. Apparently, they had contacted the bank to which the money had been transferred, but that bank had also refused to refund the sum stolen from me. Capital One refused to issue me a refund for the money I had lost in the scam. 

This was a fraudulently induced person to person ( P2P ) transaction, and therefore it was unauthorized ( see new CFPB regulatory guidance ). Banks must repay consumers for payments they did not authorize, and yet both my bank, the scammer 's bank, and XXXX have refused to refund my money. They acknowledge this is a crime, yet they do nothing to protect the victims of it. I now do not have enough money in my bank account to put down another deposit on an apartment that I need. 

How can I get my money back? How can I hold Capital One and XXXX accountable?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
Company: LEXISNEXIS
State: MT
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 LexisNexis by dispute letter and vocally by telephone multiple times. I had very sensitive information, from a law firm, arrive by USPS opened. I filed a report with the Sheriff 's office and the OIG USPS. I will enclose a copy of the Sheriff 's Report. 
I will attach 3 letters to LexisNexis requesting my ID information to be Updated to only XXXX XXXX XXXX. 
LexisNexis has, at best, reduced the name count to only 3 name records. What I have found is that LexisNexis will keep adding names to the ID section of my consumer credit report. The latest report I have from LexisNexis - Consumer number XXXX, Case number XXXX, Dated XX/XX/XXXX. XXXX, Pages 4-8 of 92 shows 5 pages for a total of 23 Name Records. I will attach a copy of this report. Some of the Information goes back XXXX to XXXX XXXX XXXX. Some of the information is doubled up, has address I have never lived at. By law FCRA section 611 Information is to be reported accurately and completely or be deleted. I have lived at my current address for over 30 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-27
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2023 while at work, I got a few alert emails indicating charges over {$100.00} were being processed. After looking on my account, almost {$1000.00} was spent at two different cities in the area while I was sitting at my desk. I immediately called Huntington, and the agent closed my debit card, said they would send a new one in 3-5 business days. Upon leaving work, I found out that someone got into my car the previous evening and took my card. On XX/XX/2023, the money that was spent by someone else, was credited back into my account. I waited on the debit card to come in the mail, and it never did, so I called Huntington again on XX/XX/XXXX. They told me the address I gave them wasnt good and the card was sent back and destroyed. The address I have is my permanent address, it NEVER came. They have since sent another which I am still waiting on. Today, XX/XX/2023 I had a notification from Huntington that there was a message on the account. Once I opened that, it had a notice of insufficient funds on it showing that the original reversal back into my account on XX/XX/XXXX was taken out of my account. I never received a letter that the investigation was complete and theyd be taking that money back. Charges include : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXXXXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX # XXXX XXXX Totaling XXXX in charges I didnt use.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-11
Company: SELECT PORTFOLIO SERVICING, INC.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Fell Behind on pmts due to covid was told we will help you on a rate mod then they tell me to pay all past due no help available ..... 
I am unable to contact the loan holder no number available... .only can communicate with the servicer Select Portfolio Servicing .....

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01
Company: SYNCHRONY FINANCIAL
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:
As a person, I have worked really hard to keep my credit score up because I care a lot about it. But on my XXXX it says that I have a hard inquiry from XXXX XXXX XXXX for applying for a new credit line when I asked for grants. This is their number ( XXXX ) XXXX. I do recall giving them my social security number so they may have put incorrect information to provide me with funds via a credit line. Please take it off my hard inquiry. It took about XXXX points from my credit score for XXXX. I really love the credit line I have currently with my bank, XXXX XXXX XXXXXXXX, and nothing else. The second and third hard inquiry I am trying to dispute is from XXXX, for XXXX XXXX, Best on XX/XX/XXXX. Don't ever recall talking to them or to SYNCB/ PAYPAL on XX/XX/XXXX. This cost me XXXX points from XXXX. I'd appreciate it if you do a background check, punish these banks for incorrect information, and take out all those hard inquiries as well as add back the XXXX and XXXX points initially deducted. 

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 non-monetary relief
Consumer complaint received 2022-03-11
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Navient emailed me " let 's get on track. Payment is due. '' on XX/XX/2022. This is inaccurate. They told me I need to call them and reach out about making a payment on my account. Federal Student Loan repayment re-starts in XXXX. So why are they emailing me and making me think I need to start paying them now and that I am already late?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06
Company: PNC Bank N.A.
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I took out a home equity loan from PNC bank. Since the beginning of the loan, I have been constantly seeing the following problems : 1. PNC has misappropriated my additional principal payments as well as arbitrarily and unfairly split my payments to their benefit and applying it to interest. This is stealing money because they are purposely keeping my principal balance high despite on time payments plus extra. I also believe the is a form of predatory lending. 
2. Ever changing amounts applied towards interest and principal that follow no pattern.

3. PNC refuses to provide an amortization schedule 4. PNC continues to randomly split extra principal payments and apply some of those dollars towards interest against my expressly written wishes 5. PNC is refusing to fix problems in XXXX now that is XXXX. According to PNC their system does not allow them to go back. Despite the fact, I first called in XXXX to address their issue and their extremely slow pace is the only reason why it is now XXXX. 
6. I have worked with 3 separate representatives from PNC and get no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01
Company: CITIBANK, N.A.
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:
As a person, I have worked really hard to keep my credit score up because I care a lot about it. But on my XXXX it says that I have a hard inquiry from XXXX XXXXXXXX XXXX for applying for a new credit line when I asked for grants. This is their number ( XXXX ) XXXX. I do recall giving them my social security number so they may have put incorrect information to provide me with funds via a credit line. Please take it off my hard inquiry. It took about XXXX points from my credit score for XXXX. I really love the credit line I have currently with my bank, XXXX XXXX XXXXXXXX, and nothing else. The second and third hard inquiry I am trying to dispute is from XXXX, for CITIBANK NA, Best on XX/XX/XXXX. Don't ever recall talking to them or to XXXX XXXX XXXX XX/XX/XXXX. This cost me XXXX points from XXXX. I'd appreciate it if you do a background check, punish these banks for incorrect information, and take out all those hard inquiries as well as add back the XXXX and XXXX points initially deducted. 

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
Consumer complaint received 2022-07-21
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:
I previously wrote to Equifax to investigate and verify a bankruptcy listed on my credit report and I received a response that the bankruptcy was verified with the bankruptcy court. 
I contacted the courthouse to verify their information release policy. The court informed me that they do not provide anyone with a debtors full social security number and they do not provide ANY credit bureau ANY information about ANY bankruptcy cases. 

It is quite clear that someone from Equifax lied about verifying this bankruptcy with the courthouse. That is a violation of the Fair Credit Reporting Act ( FCRA ). 

As you know, it is also a violation of the FCRA to report inaccurate or unverifiable information on a credit report. Thus, I demand that you IMMEDIATELY REMOVE the following bankruptcy from my credit report :

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15
Company: CCS Financial Services, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Credit Collections Association is trying to collect {$150.00} dollars from a XXXX account that is not mine. I have sent three letters explaining to this company that this account is not mine and doesnt belong to me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
My husband and I went to several car dealerships to request for a car loan, to get a used car. However, according to their credit requirements unfortunately my credit score was insufficient for the car loan approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: Experian Information Solutions Inc.
State: NY
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:
Account is as follow ; XXXXXXXX XXXX Account number XXXX XXXXXXXX XXXX Canceled debt income '' often referred to as canceled or forgiven debt is something anyone who has debts unpaid, but not gifted, should be concerned with. The IRS considers this income. Income Is not apart of the consumer report. In accordance with Fair Credit Reporting Act XXXX account # XXXX, has violated my rights 1. 15 USC 1681 section 602 A states I have the right to privacy. ( a ) IN GENERAL, subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances an NO OTHER : ( 2 ) in accordance with the writing instructions of the consumer to whom it relates. Did I give you written instruction to furnish this account on my credit report? 2. 15 USC 1681 602 A It also states a consumer reporting agency can not furnish a account with out my written instructions. 3. 15 USC 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. After reviewing XXXX XXXX I got a notification that accounts have been removed a few days later I notice is still on my consumer report. I also attached an FTC report and XXXX Tracking receipt that was mailed on 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 explanation
Consumer complaint received 2020-02-06
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
OnXX/XX/2018 i received a hard inquiry from Comenity Capital regarding a bankcard opened which i never applied for. Ive tried reaching out to the company however had trouble making my point across to them as I don't recall opening this account or applying for that matter. Which has caused a hard inquiry on my report.

Company response to consumer: Closed with explanation