BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
I have been a victim of Identity theft while XXXX, XXXX and TransUnion is still reporting fraudulent accounts on my consumer report. I demand that these accounts be removed 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 non-monetary relief
Consumer complaint received 2021-10-26
Company: LDF Holdings, LLC
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I recently lost my job and since day one of that happening I contacted SkyTrailCash in order to try to work out a repayment plan since my income changed due to being laid off. I offered to make $ 40 monthly payments in order to prevent the account from defaulting even more. But all I've encountered by this company is pushback and trying to make my pay my regular payment of almost {$100.00} per paycheck. I don't know what else to do in order to get this resolved with these people. Please advise.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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 a loan with CAPITAL ONE BANK USA, XXXX   XXXX  XXXX, and XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX and CAPITAL ONE BANK USA, XXXX XXXX XXXX, and XXXX XXXX with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: Experian Information Solutions Inc.
State: SC
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'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX ; XXXXXXXX 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 2020-08-06
Company: ALLIANT CREDIT UNION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a loan with Alliant Credit Union. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and Alliant Credit Union with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: WELLS FARGO & COMPANY
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Your company has sent a letter to the Credit Bureaus alleging verification that I was delinquent with a collection debt that I owed to you! This allegation may be in error. I would like you to send me the PROOF, assuming it exists in accordance with the FDCPA sections 809a & b.

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 2021-10-26
Company: Dovenmuehle Mortgage, Inc.
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
We were approved for 3month Covid-19 forbearance in 2020 XXXX, XXXX, XXXX. We have paid every payment since the end of 2020 's 3 month forbearance period on time although we have been reported as 120 days late since the forbearance period and no data for all payments in the past year and a half have been reported to the credit bureau. Us and our housing counselor have been in contact with Dovenmuehle Mortgage and XXXX XXXX XXXX XXXX monthly to address this issue but it does not get corrected so mine and my wife 's credit score continues to drop as a result of the error on reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18
Company: EQUIFAX, INC.
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 Fair Credit Reporting Act, this Creditor, XXXX, Equifax and XXXX have violated my rights. Under 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604a section 2 also states that Consumer Reporting Agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have not received statements for XXXX to-date. There has been an on-going billing error issue since on or around XX/XX/XXXX. At this point XXXX XXXX ' system shows no statements have ever been generated for XXXX, and they have failed to conduct a proper billing error investigation since it was initially filed in XXXX. The collection agency assigned to handle the outsanding amounts returned the account to XXXX XXXX due to violations as summarized in the attached documentaion. At present, XXXX XXXX ' system alleges a payment is past-due by thirty ( 30 ) days in XXXX, and possibly now sixty ( 60 ) days since another alleged payment was due XXXX XX/XX/XXXX. See attached for full complaint.

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 2023-06-09
Company: EQUIFAX, INC.
State: VA
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:
Account XXXX XXXXXXXX Account XXXX XXXXXXXX I challenged the accuracy, compliance and reportability of this listing. Please validate this information XXXX XXXX XXXX and XXXX XXXX and ask them to provide me with copies of the original contract and validation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally requested that this information be immediately deleted from the credit file they maintain under my Social Security number. 

I requested validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I further reminded that they may be liable for your willful non- compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C . 1681S-2 ].

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-06
Company: WELLS FARGO & COMPANY
State: MS
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My mortgage was put in forbearance for the Months of XXXX, XXXX and XXXX without my consent. I have being trying to get this matter resolved since XXXX with no success. I have being requesting documents from Wells Fargo since the beginning of XXXX to end my forbearance and as of XX/XX/XXXX I have not received them. I have made several calls to customer service requesting these documents and is told they have been mailed and a notary will contact me. I feel like I'm being lied to each time I call. It should not take over 2 months to mail documents to end a forbearance. I talked to an XXXX on XX/XX/XXXX who assured me the documents would be mailed that day. I followed up today, XX/XX/XXXX only to find out the code to end forbearance had not been entered in the system and the documents have not been mailed. I resumed my mortgage payments starting XX/XX/2020.

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 2021-10-26
Company: Experian Information Solutions 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:
I XXXX XXXX on XX/XX/21 sent a 609 letter to XXXX, Experian, and XXXX regarding inaccurate things on my credit report. It has now been over 110 days later and I have not received a response yet.

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 2021-03-19
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have two debts with this company. A car loan, which I'm 93 % paid off on and owe a remaining balance of {$1200.00}. The second loan, is a loan for a credit card that has a balance of {$5800.00} used. Now the statute of limitations, due to the 'date of delinquency ' has expired, and I'm pretty sure it has been over 8 years since this debt was made and the date of delinquency was first activated. I called the company to gain clarification of debt, and I did agree to pay off the car loan debt eventually. I was questioned about the credit card loan, in which a 30 % offer was given but I never agreed to any offer. My exact response was that I needed to run it by my girlfriend and if we agreed on it, they would hear a response in 24 hours. 13 days passed by and I filed a dispute through credit karma, and the remarks given back to XXXX XXXX, from the bank, was there was an agreement between both parties, which is a lie. I called and asked for evidence of me admitting to this or any validation, and they couldn't provide. Instead I was given the run-around, and sent to multiple voicemails.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: EQUIFAX, INC.
State: NY
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:
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. 

Account Name XXXX  Account Number XXXX Account Name XXXX Account Number XXXX Account Name XXXX XXXX Account Number XXXX has violated my rights. Or list of inquiries 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 a 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 2021-10-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This company is currently showing 30 days late for the month of XX/XX/2020 and XX/XX/2020. I have read enough to understand my rights. The Bureaus are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The apartments where I was living sold itself XXXX times while I was there for XXXX  years or so. They were poorly ran after the sales, so I decided to move. I gave proper notice and spoke with the front office associates ( manager and leasing agent ) to ensure that everything was good, and that my departing cost were settled. they informed me that it was fine, and that the pre-move out inspection was completed and approved, with no additional charges. Once I loved, I then received a letter stating additional charges for rent and replacing carpet. I had been there for almost over XXXX  years and they said that they expect carpet to stay looking new for 5-6 years or it will be charged to the resident upon their move out ( not informed of this on the pre-move out inspection ). In addition, I was charged for a couple of bags of trash left on the balcony, but on the weekend I was moving, the only trash compactor in the complex was overflowing to the point where it was all in the street. ( a regular occurrence on this property, and I took pictures ). I contact their headquarters and leasing office, yet I received no help. I was treated extremely disrespectful, and told " it is what it is ''. I explained that if they pulled my file that I was never later or delinquent on any rent payments and never had any issues while living there. I informed them that I even had a months deposit that I was entitled to, but they had no record ( since they changed owners and staff like most change their underwear ). I was willing to accept the lost of my deposit if the " bogus '' charges were waved ( even offering to pay for the XXXX bags of trash left ), but they had no interest in this solution. I am attempting to rent a home soon and my realistate agent stated that this would be something that could cause a denied application for rental or an extremely high deposit. I am looking for some resolve, since this is something that has further financial implication to myself and my family. Please let me know if there is anything else you need from me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Deposits or withdrawals

Complaint:
On XX/XX/2023, I deposited {$4000.00} cash ( XXXX dollar bills ) into the ATM at Bank of America in XXXX, Fl on XXXX XXXX. When the transaction was complete, it showed a total deposit amount of {$2000.00}. I called the customer service number immediately and started a claim while parked at the ATM. The claim was started 1 min after the failed transaction. The lady told me it would take 10 business days to get the dispute taken care of. After 10 days I called to check the status of the claim. The customer service agent said there wasnt any changes to the claim yet but to wait to get a response on the XXXX of XXXX. I called today and the customer service agent said the case was closed and they didnt find any extra cash in the ATM, therefore denying me the missing {$2000.00}. I asked for details they found on the camera and she was not able to verify what the verification process was. She stated that sometimes they cant tell by looking at the camera. They also claimed they didnt find any extra cash while auditing. She did open a new claim to see if Bank of America will reconsider the case. No financial relief was offered and no detailed reason as to why the cash was not accounted for. This is not the first time this has happened with this bank/ location. Last time it was resolved within a weeks time but declining it this time is unacceptable.

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 2021-10-26
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I, XXXX XXXX, credit application was denied by American Express on XX/XX/2021 due to negative markings on my credit report.

Under 15 U.S. Code CHAPTER 41, SUBCHAPTER IV : EQUAL CREDIT OPPORTUNITY ( a ) Activities constituting discrimination It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction.

Under 15 U.S. Code 1691a - Definitions ; rules of construction ( e ) The term creditor means any person who regularly extends, renews, or continues credit ; any person who regularly arranges for the extension, renewal, or continuation of credit ; or any assignee of an original creditor who participates in the decision to extend, renew, or continue credit.

( f ) The term person means a natural person, a corporation, government or governmental subdivision or agency, trust, estate, partnership, cooperative, or association.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for the Comenity Bank/XXXX Mastercard . My application was denied due to a freeze on my credit account. None of my credit bureau accounts are frozen, and I double checked this as well. This is not a legitimate denial. I proceeded to call Comenity Bank, and after being transferred several times, I reached the proper credit review department and they asked for my reference number. I didn't have the document anymore with the reference number, and so they told me they couldn't help me. Now I have a credit inquiry on my credit report that is incorrect, as well as a denial that I can not properly confirm to be accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XX/XX/2022 EQUIFAX dropped MY CREDIT SCORE XXXX POINTS TURNING THE VERY ADVICE THEY LIST TO IMPROVE CREDIT AGAINST ME 1 : PAY DOWN CREDIT CARD BALANCES AND LOWER CREDIT USAGE-I PAID DOWN ALMOST {$4000.00} IN CARDS AND NOTIFIED THEM IN A DISPUTE-WHICH TOOK ALMOST A WEEK RE THE COMPLAINT WHERE THEY WERE STONEWALLING ME -AND BLOCKING MY ACCESS TO DISPUTE THE NEXT COMPLAINT AS THEY HAVE JUST DONE AGAIN TODAY XX/XX/2022 AT XXXX XXXX  eastern time PLEASE SEE A PICTURE OF THIS ACTION WHICH THEY HAVE DONE AT LEAST 10 TIMES AFTER ONE ATTEMPT AT LOGIN TO MY EQUIFAX AS A DELIBERATE AND PREMEDITATED MOVE TO DENY MY RIGHTS PER THE FAIR CREDIT BREPORTING ACT FORCING ME TO SIT ON THE PHONE FOR HOURS AND SPEAK WITH PEOPLE FROM XXXX, XXXX ETC OR WHEREVER WHO ARE DIFFICULT TO UNDERSTAND AND USE THEIR NATIONALITY TO CONTINUALLY BLOCK MY EFFORTS FOR A FAIR AND EQUITABLE DESCRIPTION OF WHAT I WISH TO DISPUTE WHICH ARE THE OBVIOUS DELIBERATE ACTIONS TO SABATAGE MY CREDIT DUE TO THE FACT I WISH TO EXERCISE MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT XX/XX/2022 EQUIFAX JUST DROPPED MY CREDIT SCORE ANOTHER XXXX POINTS FOR THE SAME VAGUE REASONS THEY DROPPED IT IN XX/XX/2022 MAINLY FOR PAYING OFF THE REMAINDER OF THE XXXX ( {$25000.00} CONSUMER LOAN ) AND PAYING DOWN {$4000.00} IN CARDS, NOTE PRIOR TO PAYING ALL TJESE BILLS MY SCORE IN EARLY XXXX WAS XXXX IT IS NOW XXXX THIS IS INEXCUSABLE AND I DEMAND A FULL EXPLANATION FROM EQUIFAX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: Experian Information Solutions Inc.
State: CA
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 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 2023-12-01
Company: GOLDMAN SACHS BANK USA
State: MI
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I made a payment to my Goldman Sachs Credit Card from my Goldman Sachs savings account. The savings account showed sufficient funds to make the payment and the credit card indicated that the funds were received and paid in advance of the monthly deadline. 
After making the payment, the credit card showed that {$0.00} was owed and required payments were made. Later, they said this was an incorrect reporting of their own systems to the customer. 
Days later, Goldman Sachs disputed what their systems showed when the transactions took place. 
As a result, I was charged an interest fee that I should not owe.

Company response to consumer: Closed with explanation