BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-06
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Transfer2 XXXX Although the CFPB solicits comments from the public, beware of retaliation if you submit a comment about a questionable action of the Union Bank.They will retaliate by refusing to credit one of your payments, hide the money or chop it up into several pieces. And hide the pieces in unauthorized accounts, that they have opened in your own name. And follow up with harassing calls threatening your account for fictitious charges.If you ask them to verify, explain and document the charge they can not do so, it is simply a ploy to intimidate you for stepping out of line. They simply repeat the allegations while removing any record of payments. While the Union Bank interferes with the work of the CFPB, which can not function without the cooperation of the public it will do nothing to protect your First Amendment rights or its own mandate. The Bank, a  foreign entity, will harass and penalize Americans who respond to the CFPB in the exercise of their First Amendment Rights by merely describing an negative experience seeking help, as it is mandated to do by Congress. The Bank will interfere with the functioning of the CFPB until it is no longer able to respond or assist. In fact, it may cost you money to respond to the CFPB as the Union Bank will levy ; fines against your account while the CFPB is left helpless.

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 2023-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 a standby cash account with XXXX and on XXXX XXXX the bank reported to Credit bureaus about 30 day late payment when I was already paying a minimum amount on the account. This happened right when I applied for a loan. Either the bank or the credit Barreau is rushing to report this whenever I apply for finances and then remove it once I file a dispute. recently I spoke to the bank inquiring how the payments can affect my credit and they said they won't report it until its 30 days late so I have enough time to pay off and then yesterday when I tried to make a payment I saw a pop-up saying that I can make those payments in installments so I called the bank to get clarification on how it will affect my credit and they clearly mentioned that it wont be reflecting in my credit as its a hardship program they are offering but I saw that they reported it as late on the XXXX of XXXX right when I was shopping for a loan. It seems like the bank is doing a deceptive practice to ruin my finances. I have a history with them for various issues in the past. They also denied that the bank will offer a Foreign exchange in XX/XX/ when I I did exchange through them just in XX/XX/ and then I have to argue to let them exchange money and they spent exacly 1 hour to do it. They tried to send me to another agency which is located far away from my home. They also said I have to visit the bank 5 times in order to exchange XXXX ( which they said is a limit for one transaction ) but end up doing it in one transaction.

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 2022-03-10
Company: CAVALRY INVESTMENTS, LLC
State: ID
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
To Whom It May Concern : Beginning in XX/XX/XXXX, I set out to pay off debts in collections. One such debt received a Judgement in XXXX XXXX. I contacted the collection agency, Cavalry Portfolio Services to set up a payment plan for $ XXXX. paid through XXXX XXXX when I received a payment in full letter. I was also required to set up a payment plan with their representing attorneys, XXXX and XXXX XXXX. This plan was at $ XXXX. Neither entity could tell me why I was paying them separately but I was hoping to move forward so I did. 

Following my XX/XX/XXXX payment to XXXX and XXXX XXXX 's payment portal I received my payment confirmation from their client ( Cavalry Portfolio ). On XX/XX/XXXX at XXXX, I attempted to log into my payment portal again with XXXX and XXXX XXXX XXXX determine if the debt was, in fact, paid as agreed. On this date, my payment portal was marked " Inactive '' which does not allow payment. I took a photograph of the screen for my records. 

On Friday, XX/XX/XXXX I received notification from the XXXX XXXX XXXX XXXX XXXX that XXXX and XXXX XXXX had received a Writ of Wage Garnishment for the balance of the alleged debt. At no point since XXXX and XXXX XXXX closed my payment portal in XX/XX/XXXX, did they call me and leave a message, send me a letter or email informing me that this debt was still active. Nor have they explained to me why there were two separate collections happening with their client, or why they closed my payment portal when the next payment would have been due, if I did in actuality still owe them a debt. 

XXXX and XXXX XXXX now refuse to acknowledge their error in debt collection practices and are planning to move forward with the unjustified wage garnishment ( which would create a hardship for my family ), despite my attempts to contact them directly to correct the situation for both parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have mailed out a letter and called them Equifax! When i called they said they never got my letter .. when i mailed my letters i never got a response. Ive got letters from XXXX XXXX  inquiry date XX/XX/XXXX stating the inquires should be removed and they still showing, XXXX  XXXX inquire date XX/XX/XXXX the company never replied back to the XXXX  within time and needs to be removed per FCRA, I also got a letter from customer one stating the inquires should be removed and they still reporting it this is a violation per FCRA and should be handled promptly. I FEEL LIKE THE EQUIFAX COMPANY IS BLATANTLY NOT RESPONING TO MY LETTERS AND REQUEST

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
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:
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-DEPT OF EDXXXX XXXX XXXX,, has violated my rights. 

Account nameXXXX XXXX XXXX XXXX XXXX XXXX 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 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 2022-03-10
Company: Experian Information Solutions Inc.
State: WI
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 currently disputing a medical debt with a collection agency and hospital. I submitted a request to XXXXExperianXXXX on XX/XX/2022 to mark the debt as disputed on my credit report, but all three have not done so, and I have received no acknowledgement of my dispute or any investigation.

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 2023-05-29
Company: EQUIFAX, INC.
State: CA
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 submitted a letter to the 3 Credit Bureaus last XX/XX/2023, to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX Balance : {$2800.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
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 U.S.C 1681. 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A.

Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. & 16811 ), I am practicing my right to challenge questionable information that I have found on my personal credit report. Moreover, I also request you investigate the source of these accounts and ascertain that the creditor had a permissible purpose and can verify my complete file information including my full legal name, current address, date of birth and full social security The following accounts : XXXX XXXX XXXX XXXX  Acct. # XXXX XXXX XXXX XXXX XXXX XXXX Acct. # 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 2018-03-12
Company: CITIBANK, N.A.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Greetings, Citibank has been reporting to XXXX XXXX XXXX  that I opened a checking account that I never opened. We tried to get this resolved last year and I was unsuccessful so I'm doing another complaint with the CFPB. Citibank sent me a form in the mail requesting various information about the account ... I responded to them and sent them the requested documents and I never received a response from them. I'm really tired at this point of the inconsistency from Citibank.

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 2023-05-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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 recently checked my credit report and I see there are accounts that Ive never opened and I need them removed IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: Farrell Holdings, LLC
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I bought my 1st car XX/XX/XXXX I have got car XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX have two final sales paper the say selling price XXXX total due XXXX cash down XXXX ( XXXX ) but balance due XXXX so XXXX I was finance and XXXX finance charge my XXXXXXXX XXXX XXXX PAC FINANCE  TOLD XXXX to fix the calculations on the paper .this is where the other final sales paper come in .my XXXX XXXX XXXX the I was finance XXXX and the charge XXXX with XXXX down total payment will be XXXX. My Apr should not been that high at that time I had credit score XXXX and I have co signer her credit score was XXXX... XXXX I have been paying XXXX monthly I miss 1 payment that was during the pandemic. About XXXX add on the bill.i feel I'm getting rob for my money .I m getting harass by pac finance about paying the bill and I'm not even due yet .I keep telling them stop harassing me.they calling then they put nagitive reports on your credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Today I contacted TransUnion Credit Report Agency about some inquiries that were on my credit report and tried to dispute them because they arent mines. Instead the representative that I spoke with told me that they cant dispute them unless I had a deletion letter from the creditors. I explained to the representative that I shouldnt have to get a letter of deletion if Im disputing the items, and reminded her that the other two major credit bureaus didnt ask me for a letter of deletion when I contacted them about the same issue. She was very adamant that I had to get the letters and send them in or I couldnt dispute the items 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
Consumer complaint received 2023-01-07
Company: Kriya Capital, LLC
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2022 they sent out paper work saying I owe XXXX for an unvalidated debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-29
Company: EQUIFAX, INC.
State: NJ
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 recently submitted a request for an investigation of the disputed items, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX Credit Bureaus must update the following items from my file. 
XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26
Company: BARCLAYS BANK DELAWARE
State: FL
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: Overcharged for something you did purchase with the card

Complaint:
I wish to dispute the {$710.00} transaction for {$60.00} for the following reason incorrect billing and purported collection of sales tax. Please find information from the Florida Department of Revenue supporting my assertion that the merchant, XXXX XXXX, is not obligated to collect sales tax on cosmetology e.g., hair and nail services, the merchant category code in which they operate. As stated previously, the amount of the original transaction was {$650.00} ( {$600.00} for services plus {$50.00} tip ). Not sure how they arrived at {$710.00}, since that doesnt calculate to the purported 7 % tax, over charging me {$60.00} above what was originally agreed. Barclays claim that they do not have any responsibility to assist in resolving this billing dispute since it was a card present and in person transaction is erroneous. Even Barclay 's own internal records support that the transaction was entered manually several times, with varying amounts. They obviously manipulated the amount after we left the establishment. Either they are guilty of incompetence or intentional fraud, but in either circumstance, I should not be held liable for merchant billing errors.

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 2023-01-07
Company: Bread Financial Holdings, Inc.
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I am trying to get a statement as supporting documentation for my credit union to pay off this credit card. I have called to request the statement because the statements available to obtain are only until XX/XX/2022 and my bank needs a recent one. The rep at the credit card company said they dont have access to it due to them getting a new system. I spoke to a supervisor who put in a ticket to request the statement and I am still getting nowhere. They keep asking me to call for a payoff but my credit union needs a statement as supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Name : XXXX XXXX XXXX DOB : XX/XX/XXXX SSN : XXXX I did not apply for any credit card through XXXX XXXX. In XXXX, I noticed an account activity on my credit score for a balance that I do not owe. 
I have never had to apply for a XXXX XXXX  credit Account. I only have a joint checking account with XXXX XXXX  ( opened in XX/XX/XXXX ), not a credit card.

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 2022-11-29
Company: EQUIFAX, INC.
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: SinglePoint GI
State: AZ
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a letter in the mail on XX/XX/2021 from General Revenue Corporation. This was the first letter ever sent to me from this corporation. It was dated XX/XX/2021, and in the letter, it stated unless you notify this office within 30 days after receiving this notice that you dispute the validity of this debt or any portion thereof, this office will assume this debt is valid. It also stated that if I did notify the office, this office will obtain verification of the debt or obtain a copy of a judgment and mail you a copy of such judgment or verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30
Company: Navient Solutions, LLC.
State: OK
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Navient is practicing predatory lending with my private school loans which are over 120,000 in debts that continue to grow even though I make payments. These loans are designed so that I can never pay them off. They have created an undue hardship on myself and my family. I have had these loans over ten years and the balance is greater today than when I first took them out. I will never get them paid off at this rate. This is against the law and I want Navient to forgive this debt to avoid a lawsuit.

Company response to consumer: Closed with explanation