BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
XX/XX/XXXX Sunday morning and I need to get my car payment receipt also all the monthly statement are missing. The XXXX XXXX XXXX original loan is being sent to the finance manager to get a new one. But the payment is being sent to the address on the wrong contacted the bank has been receiving the payment and XXXX customer service is being sent to the different codes for the capital one Auto finance. They have 2 different codes for the same company. I don't know what number is being held at the moment. XXXX XXXX XXXX XXXX. The payment is being sent to the wrong code then who's car I've been paying all this time

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: Experian Information Solutions Inc.
State: GA
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:
XXXX XXXX XXXX is reporting a late payment of XXXX in the month of XX/XX/2023. 

This is adversely impacting my credit score and should be removed as I have never been late on any of my 3 XXXX XXXX accounts.

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 2023-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
TransUnion, Please see attached - there's an unauthorized hard credit inquiry on my account that needs to be removed below : XXXX  XXXX XXXX - XX/XX/2023

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
I can't dispute inquiries made on my credit report without my consent below are two inquiries that appeared on my credit report that tried to dispute with transunion. i did not make this inquires and transunion refuse to help. Can dispute this Inquiries by phone or online. 

Inquires in questioned XXXX/XXXX XX/XX/2020 XXXX/XXXX 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 2019-04-24
Company: Receivables Performance Management, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I noticed an account with Receivable Performance that I was unaware of. XX/XX/19 I disputed the account with the credit bureaus and Receivable Performance verified the account as accurate. I also sent a letter requesting validation ( Tracking XXXX XXXX XXXX XXXX XXXX ) on XX/XX/19 and Receivable Performance failed to respond or provide the proper validation. Not only did they not provide me with validation. There is another company collecting on this SAME EXACT debt. This is illegal. Two companies can not collect on the same debt.

Being that I never received any documents from Receivable Performance, I am pretty sure they do not have the right to collect this debt. 

Please delete this account from my credit reports 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 2023-07-19
Company: Great American Finance Co
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:
The presence of a derogatory rating on my account is causing me great concern. I am deeply worried about the impact it may have on my credit. It has already led to the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On or about XX/XX/XXXX, {$520.00} XXXX report to the three major the 3 major credit bureau on behalf of XXXX XXXX third party company that purchase this account that was closed out on behalf of identity theft. XXXX without given me the rights or sending letters as to notify of the debt and the rights to dispute the debt proceed to report info to the bureaus without my given rights under the fair debt collection laws no one, the agency deceived the bureaus by first claims reporting was due to natural disaster. I have never received any documents to validate or given info to dispute. I however, can valid proof that the reporting is not mine. I have never had XXXX XXXX and Now, XXXX is report that it was open in XXXX in attempts to hurt my good credit. XXXX on XX/XX/XXXX told me it would be remove from my credit report and sent back to the third party agency which, XXXX refused to give me a name or address to file legal actions against both XXXX and the third party. XXXX told me it would be removed from the credit report however, XXXX  has update the info to reflect that it was open in XX/XX/XXXX and I have services with XXXX XXXX and it can be verified. No to mention, it shows it will remain on my credit until XXXX. I have never received anything from XXXX and will be obtaining an Debt Attorney licensed under the Federal Trade Commission to handle it this is not removed from all three credit reports. I have supplied Identity fraud info and XXXX is Transunion which the company has stated info was received.

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 2019-08-27
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT. PLEASE HAVE THOSE UNAUTHORIZED INQUIRIES REMOVED =.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-17
Company: RockLoans Holdings LLC
State: GA
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 have called this company several times ( ROCKETLOANS ) about the loan that was open when i locked i was XXXX XXXX XXXX XXXX  from XX/XX/XXXXXXXX XXXX XXXXill XXXX of XXXX i have filed police report and sent proof and done a ftc report XXXX  and XXXX are failing to anything about the negative fraud accounts reporting to my credit thes loans was taking out round the same time these are causeing hardship to life and impacting me in ways that making it hard to recover from

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2023, I made an online purchase of {$25.00} with XXXX XXXX. 

On XX/XX/2023, an automatic payment of {$25.00} was made to bring the account to {$0.00}. 

I received a letter from Comenity that my automatic payment was returned and that I had a balance of {$25.00}. My financial institution informed me that Comenity bank had my payment returned back to them. Per my financial institution, I also had sufficient funds in my checking account to cover that payment. ( Please see letter from my financial institution ). 

Besides reversing the {$25.00} payment, Comenity charged me another {$25.00} late fee on XX/XX/2023 as well as a minimum finance charge in the amount of {$1.00} as well as another {$0.00} for finance charges. 

Then on XX/XX/2023, Comenity charged another {$25.00} returned check fee along with {$0.00} financial charges. 

Then a payment of {$25.00} was applied to my account on XX/XX/2023. Another payment of {$25.00} was applied on XX/XX/2023. At that time, I should have had a positive balance on the account. 

However, on XX/XX/2023, Comenity did a payment adjustment in the amount of {$25.00} when I called and spoke to a supervisor to dispute their error. On XX/XX/2023, finance charges in the amount of {$4.00} was refunded. My balance should have been XXXX. 

Then, on XX/XX/2023, Comenity charged me a late fee of {$29.00}, on a balance. I was under the impression that everything was taken care of. 

On XX/XX/2023, Comenity charged me minimum interest charges {$2.00}. 

Then, on XX/XX/2023, I finally received a letter from Comenity that they were unable to resolve the dispute. They asked me to provide a letter from my bank indicating that they did not return the payment ( a copy of which is attached ). 

Now I logged into my account and found that the balance on my account is {$58.00}. I immediately called Comenity and asked to speak with a supervisor. No supervisor was available. 

I should have NO balance on this account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-21
Company: Waypoint Resource Group, LLC
State: DE
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Waypoint collection company is calling XXXX asking my XXXX XXXX XXXX child to confirm my name address including city state and zip code. I called the number back spoke with XXXX and informed they the repeated calls to my minor child will need to stop. I requested XXXX further contact again as my child is a minor. Another call came the very same day from a person who claims her name is XXXX XXXX ( ironic ). Again I asked for no dither contact especially trying to have a minor child verify her address as this is not OK.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: Levy & Associates, LLC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I received notice from Levy Law Firm Co. , LPA ( debt collector for XXXX XXXX ) that I owe a balance of {$7800.00} from XXXX XXXX which significantly affected my credit file including my credit score and credit report as a charge off. Due to this fraudulent, inaccurate, and unverified debt, my credit score went from XXXX to now XXXX. I requested debt validation on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX from Levy Law Firm Co. , LPA but was never provided the proof that I owe the debt ; yet they continued to report unverified information to all three ( 3 ) credit bureaus. I recently received a letter from Levy Law Firm Co. , LPA on XX/XX/XXXX with a Warrant in Debt stating that they are taking me to General District Court if I do not pay the balance five  days prior to the courts return date. This is a clear violation of FDCPA ( 809 b ) as they have never provided me with debt validation that was requested 30 days of the collector 's written notice. See Exhibit A for the three ( 3 ) letters sent out to Levy Law Firm Co. , LPA along with their recent letter sent to me on XX/XX/XXXX. 

It is now XX/XX/XXXX, and as of today according to my most recent XXXX credit report, this debt balance of {$7800.00} still appears as a charge-off even without proper validation and recent threats to take me to civil court. 

You will find attached my Notice of Rescission authenticated and sealed by the Secretary of the Commonwealth along with my Hold Harmless agreement also authenticated and sealed by the Secretary of the Commonwealth.- Exhibit B Levy Law Firm Co. , LPA has failed to provide me a copy of ANY original documentation signed by me and is refusing to have this removed from my credit report. This account currently remains as a charge off on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I had a delinquency charge on my Citi Credit card on XX/XX/2021. I did not pay this amount because I was disputing it but they told the XXXX credit bureaus that I was late. I did not charge this transaction. I have called Citi every month since XXXX 2021. It is still showing my on XXXX Credit Reports. I want the LATE- PAST DUE amount removed from my XXXX credit reports. I have letter, faxes to Citi and no response on removing it from my XXXX Credit Reports..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-17
Company: U.S. BANCORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have a current complaint XXXX pending their review. The company only sent {$400.00} as a credit. The past weekend I was out town with my son and had some deposits and holds. I specifically when getting the account did not get any over draft protection, if the funds are not available nothing should be charged or removed from my account. I attempting to contact them and they disconnected the chat. After telling the hotel places a hold on my account an excuse causing the negative. The funds should not been excepted if was not there and every transaction they send me an alert and deducted and I move funds around to make sure that amount is available. Now that the gave me something this more fraudulent attempt to take it back through fees. Why give offers if theyre going to be a con about it. I made account positive when the call dropped and reported to you. Because this is a game to them and this is personal to me.

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 2021-01-05
Company: Utah System of Higher Education
State: NC
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:
I have a six late fees and was told they would fix the problem called and a person informed me it was nothing they could do even after I implied that I was told the problem would be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Amex showed an introductory of 0 % APR for 12 months, from the account activation date. When I received my card, the disclosures did not include the offer. I reached out to Amex, and they advised a specialized team would look into it in the next billing cycle. This is bait and switch. they need to make it right. It was because of this offer is why my wife and I choose this Amex card,.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06
Company: EQUIFAX, INC.
State: CT
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:
Equifax Credit Reporting XXXX repeatedly MISREPORTED my Student LOAN FROM XXXX THE LOAN IS IN FORBEARANCE, while another payment plan is being put in place so I get credit for NON Missed payments ... I have NEVER missed a payment on my student loan. IF the balance went up it is beacuse of the FEDERAL GOVERNMENT not me. I want to report EQUIFAX to the FEDERAL TRADE COMMISSION. This is the 3rd time they made negative commets on my XXXX XXXX report causing my credit to fall.This time it is 38 points. They are responsible for me not being able to get a better rent due to this score and I want them to be SUED for false reporting.Sued for destroying my life when I work hard to pay all my payments on time. I also must add that my credit balances have dropped consistently and EQUIFAX should be improving my score not lowering it. THIS IS WHAT EQUIFAX WROTE ON MY CREDIT REPOT ON XXXX XXXX 'XXXX DEPT OF EDXXXX Balance Increased by {$14.00} It looks like your student loan balance went up. This could be due to a missed payment, which can have a negative effect on your score. Your total debt also typically factors into your credit score, so it's best to keep it low if you can. 
Between XX/XX/2019 and XX/XX/2019, your DEPT OF ED/XXXX student loan account balance increased by {$14.00} from {$20000.00} to {$20000.00} '' .Please advise me as to what Government Agency could I report the dealings of EQUIFAX to. I have proof that they had no business saying I missed a payment to my Student Loan

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: EQUIFAX, INC.
State: TN
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:
The statute of limitations on debt in the state of Tennessee is XXXX years. This means that if a debt has not been repaid in XXXX years, the lender can not sue to collect the debt. 

This dept has been paid in full & was suppose to be deleted from my credit report. I'm not sure why they would update any information when there's no debt owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29
Company: HCFS Healthcare Financial Services of TeamHealth
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from Healthcare Recovery Group ( HRRG ) dated XX/XX/2019 stating that they're collecting the debt of a balance of {$1100.00} owed. Now, I didn't receive the letter until XX/XX/2019 so after reading the letter I immediately wrote a debt dispute letter. I mailed the debt dispute letter certified XX/XX/2019 and they picked it up XX/XX/2019 and part of the letter I wrote I goes like this " I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. '' From them receiving my letter on XX/XX/2019 on up until XX/XX/2019 I am still receiving phone calls everyday multiple times a day and yet still no validation. From my understanding, by law they're supposed to stop all debt collecting activities once a dispute is in place until it's validated or it will be considered harassment.

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 2023-02-22
Company: CITIBANK, N.A.
State: TN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
I have on several occasions; sent Macys a Court ordered name change document. I initially sent the document 2 months ago. I have spoken to several different agents, and I still have no update. Here we are headed into XXXX  and my legal name has still have not been updated. I am very upset with how Macy 's has handled this and i would like this resolved asap!!! The communication on their end has been horrible to say the least. Please keep in mind that you have customers who are in very dangerous situations where they immediately need their information updated. You have placed me in a very difficult position unnecessarily.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-14
Company: EQUIFAX, INC.
State: TN
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:
I have submitted my dispute letters over 30 days ago the company has failed to respond. I did not give consent for these inaccurate items to be placed on my credit report. 15 USC 1681 A-K i have submitted my ftc report and company has failed to knowledge it this violation of action of section 605 b FCRA. I have attached my SSC & ID.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX  XXXX & XXXX contacted me some years ago about an account that should have been paid by insurance and never on my credit report. The balance was fulfilled by insurance and should be removed from all credit bureau reports. It looks to have been placed back on my report in 2016. This account should not be on my report considering that insurance should have been contacted and billed. The {$230.00} was fulfilled and should not be on my report.

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