BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-30
Company: Experian Information Solutions Inc.
State: ID
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 opened a new mortgage XX/XX/XXXX with XXXX XXXX. 

Experian reported I had two IDENTICAL mortgages, so I submitted a dispute on line with Experian. These two identical mortgages were correct on the loan details other than they were just duplicated Experian researched the dispute and removed the duplicate mortgage. However, the remaining mortgage shown had two large errors. Although the mortgage was opened on XX/XX/XXXX, Experian was showing I had late payments made in XXXX and XXXX, XXXX. My mortgage wasnt even open at that point. The second error showed my mortgage balance at {$250000.00} even though the original loan amount was {$200000.00}. 

I filed a second dispute on XX/XX/XXXX to have the two errors listed above corrected. In filing the dispute, the Experian rep agreed that the information did not make sense at all. 

On XX/XX/XXXX, I called Experian to find out the status of my dispute. My credit score had dropped from Exceptional to Good and I was starting to apply for some minor things ( new home setup with internet provider, TV service, etc ) that were going to require a credit check. The Experian Rep told me they were still awaiting information from my mortgage company to resolve the dispute I filed on XX/XX/XXXX. 

I received notice via email from Experian on XX/XX/XXXX that my XX/XX/XXXX dispute was resolved. In looking at my account with Experian on XX/XX/XXXX, my credit report still showed that I missed two payments on my mortgage and the balance was still at {$250000.00}. 
I also was shown two alerts in my Experian account that " Your original dispute was modified by an Experian Disputes Specialist. If you have provided relevant supporting documentation, you will be notified when a new dispute is opened in light of the additional information you provided. '' AND " The dispute for the account with XXXX, XXXX XXXX XXXX that starts with XXXX has been received and should be completed by XX/XX/XXXX ''. 

On XX/XX/XXXX, after receiving these alerts I called Experian. The rep indicated that he now had documents from that they received showing the balance correct but needed to open up another dispute to get it corrected and that it would not be corrected until XX/XX/XXXX. 

Also, during this entire time, my mortgage company was reporting to me the correct mortgage balance and that I did not have any late payments. Nor did either of the other two credit reporting bureaus show these 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 non-monetary relief
Consumer complaint received 2020-12-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Capital One keeps changing the statement date from the XXXX  of the month till now the XXXX  of the month, but not giving the allowed grace period to pay the balance, always the pay date is on the XXXX  of each month, every month is shortening the grace period agreed when account was opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09
Company: Experian Information Solutions Inc.
State: GA
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:
Account XXXX is inaccurately reporting on the credit profile associated with my social security number and is violating my consumer rights per the following information : Based on the information provided, there appear to be some inconsistencies on this credit report. Specifically, there are some discrepancies regarding the account type detail and the credit limit. Additionally, the account status is listed as derogatory, which conflicts with the fact that the balance is {$0.00} and the monthly payment is {$0.00}. 

These inconsistencies violate the Fair Credit Reporting Act ( FCRA ) Section 607 ( b ), which requires credit reporting agencies to maintain " reasonable procedures to ensure maximum possible accuracy '' of the information contained in a consumer 's credit report. 

The fact that the account type detail is listed differently across the three credit reporting agencies is a violation of this section, as it can lead to confusion and misinformation about the consumer 's credit history. Similarly, the fact that the credit limit is listed as {$200.00} on two reports and {$0.00} on one report also violates this section, as it presents conflicting information that could negatively impact the consumer 's credit score. 

Finally, the fact that the account status is listed as derogatory, despite the fact that there is no balance and no monthly payment, also violates FCRA Section 607 ( b ), as it can lead to an inaccurate representation of the consumer 's creditworthiness.

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 2020-12-30
Company: Protas, Spivok & Collins. LLC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On Saturday, XX/XX/2020, I checked my XXXX checking account that was at a XXXX dollar balance. I knew that the locations were closed, so I called a XXXX branch that following Monday, XX/XX/2020 to speak to a representative regarding the XXXX dollar balance. While speaking with the representative, I was relayed the information that a debt collector had put a legal hold on funds in my account in the amount of {$490.00}. I was then relayed the name of the law firm who placed the hold, Protas, Spivok, & Collins , LLC. According to the XXXX representative, the firm ordered the legal hold on my funds/ The XXXX representative told me to contact them at their primary corporate contact number ( XXXX ) XXXX ( public information ). Approximately two weeks later, I reached out to the law firm and reached the secretary. The secretary transferred me to a voicemail and I left a message pertaining to the hold and my contact information. I repeated this process approximately five times and never received a response. A friend of mine acting on my behalf also contacted the firm, and their phone call was returned. However, during that brief conversation, the attorney on the line said he could not release any information about the hold or the funds to myself or my friend, because the debt was not in my name and he was not authorized to disclose any other information. 

In summary : Funds are being held in my bank account for a debt that is knowingly not mine by the law firm, and I am being kept in the dark about the situation with no ability to relieve the debt or resolve the issue and release my funds.

Company response to consumer: Untimely response
Consumer complaint received 2023-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX # XXXX If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without in- curring an additional finance charge, such addi- tional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

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 2023-02-20
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09
Company: Integrated Recovery Services
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Fraud or scam

Complaint:
While attending college in XXXX, I received a number of scholarship, the amount of money I received was more than needed to take care of expenses, so on XX/XX/XXXX, I purchased approximately {$8000.00} worth of money Orders to have funds available and for a rainy day. Recently, I started restoring my 1972 XXXX and wanted to use the remaining Money Orders to finance the needed repairs and body work. 
At the time of purchase, I banked with XXXX XXXX XXXX. XXXX XXXX used Integrated Payment Systems Incorporated ( XXXX XXXX ) XXXX Colorado a third party vendor to issue their Money Orders ; however XXXX XXXX XXXX was the payer for NA and XXXX XXXX California. 
When I deposited the checks into my XXXX XXXX XXXX checking account, they were returned on the grounds : 1 closed account, 2 unable to locate account, and 3 Non-Negotiable. 
I was advise to go to XXXX XXXX which I did. The XXXX XXXX XXXX in XXXX XXXX, told me the checks needed to be presented to XXXX XXXX, because they took over XXXX   XXXX XXXX in XXXX. 
When I went to XXXX XXXX, I was told they acquired XXXX XXXX assets and liabilities. However, because the money was sent to a third party vendor Integrated Payment Systems, and XXXX XXXX was their affiliated Bank in XXXX XXXX ; XXXX XXXX had to negotiate them. 
When I returned to XXXX XXXX, I was told the Money Orders had to be authenticated. After they had authenticated them, XXXX XXXX said it had to make a claim for lost or unclaimed funds with the XXXX of XXXX 's XXXX. 
Two weeks later, I was told to contact Integrated Service. When I did, I was told by Integrated Service XXXX XXXX was the payer. 
Shortly thereafter XXXX XXXX Sent back their copies of the Money Orders stating they were too old to process. This in my opinion is not a valid explanation, because there is no expiration date on the Money Orders and I paid for them with cash.

Company response to consumer: Untimely response
Consumer complaint received 2022-12-18
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Over the last few months, I have disputed a fraudulent account on my credit report in the name of XXXXXXXX XXXX. I have never opened any type of account with XXXX XXXX nor did I ever authorize the opening of such account or any transactions afflilfated with that account. Each time I have disputed this account, I have not received any correspondence from XXXX XXXX and the both XXXX and Experian have come back and validated the account with providing me all the required documentation and evidence I requested in order to property and legally validate the debt under my name and social security number. This account violates the Fair Credit Reporting Act by reporting a fraudulent account without my consent, knowledge, or authorization to my consumer credit reports. XXXXXXXX XXXX  has not sent me original contract with my wet-ink signature, all the statements with transaction history. the method of account opening, or any other evidence to validate this debt. This account does not belong to me as I have been a victim of identity theft which I have stated to all the credit reporting agencies so that they know the exact context of my dispute. Its been several disputes that have came back verified and it says they are meeting FCRA requirements, however each time I dispute they change the reporting on my credit reports. One month they change the statement, then the amount due, then they say its a charge off. Then it says profit and loss write off. They are simply executing delay tactics and blatantly violating FCRA rules and regulations. This account needs to be investigated thoroughly and my identity theft dispute taken seriously. I will not back down from these violations and obvious manipulation of the credit laws put in place to protect consumers like me that have been wronged and the company mishandling both the reporting of a fraudulent account and the improper investigations being conducted.

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 2023-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
I've a victim of identity theft and noticed fraudulent information on my credit report. I will like to this information to be blocked and remove immediately. I never gave you consent to report anything to me credit 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 non-monetary relief
Consumer complaint received 2023-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 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, 3 Credit Bureaus must update the following items from my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$650.00} XXXX XXXX Balance Owed : {$290.00} XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXXXXXX Balance Owed : {$710.00} XXXX XXXX XXXXXXXX Balance Owed : {$9300.00} XXXX XXXX XXXX  XXXX XXXX Balance Owed XXXX {$10000.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$7400.00} 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 2023-04-19
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: Their investigation did not fix an error on your report

Complaint:
Upon checking my consumer report i noticed inaccurate accounts and information that does not belong to me, i didnt authorize to any of this information to be reported on my credit recorf, it's affecting my life!

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 2019-04-09
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
My complaint is with lack of transaction record traceability and possible data breach with CIticard. 

On XX/XX/2019 at XXXX XXXX  Eastern, I made three transactions with XXXX on the XXXX website for a total of approximately {$5600.00} using my Citi credit card. I received a total of 8 standard alerts from Citi - 3 email and 5 text - confirming that these three transactions were made and that my card was not present. Standard stuff. When the merchant did not acknowledge payment within about an hour, I went to my Citi online account and saw the 3 transactions in " pending ''. I waited all day for confirmation from Citi and/or the merchant, and finally received an email from XXXX at XXXX XXXX  Eastern time on XX/XX/XXXX stating that XXXX not yet been paid. They said that I need to pay them within the next few hours or else my reservation will be cancelled. I immediately called the merchant ( XXXX ), and they said that my credit card company declined the transactions ( they should not have declined them since I have over {$21000.00} in available credit ). I then went back to my on-line credit card account, and discovered that the 3 " pending '' transactions had disappeared. So, I then called Citi, and spoke with 4 reps : a customer service agent, a fraud agent, a second customer service agent, and then finally a fraud supervisor, XXXX, in Citi 's Florida center. 

The first three agents were no help at all. Not only could they not explain why the transactions were declined, but they also could not even find any record that I had even attempted them. I tried to explain to the reps that I was a little gun-shy with Citi after my previous Citicard number had been compromised in the XXXX XXXX data breach last year, but they were unable to trace any of the 3 transaction on my account or see any of the 8 alerts. When I explained that I had 8 email/text alerts from them, and that I had previously seen the transactions on their website, they totally dismissed me. Very poor customer service. 

XXXX was much more helpful. She still could not see any record of the 3 transactions, but she at least acknowledged the alerts. She said that she will investigate and call me back within 24-48 hours. In the meantime, I have had to lock my card in case Citi is experiencing another breach. 

So far, I've wasted more than an hour on this incident, I've lost the use of my credit card, and I might lose my vacation rental reservation. 

How can Citi simply lose all record of my transactions and their email and text communications to me?????

I need Citi to fix this situation.

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 2023-09-13
Company: General Motors Financial Company, Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Gm financial has been reporting late payments on my credit. I didnt give them authorization to release my personal information This has impacted me tremendously and my ability to progress in life. I know that As per FCRA the late payments are in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 US Code 168la ( ) ( a ) ).

According to the FCRA, late payments should not be reported as negative information. However, upon reviewing my credit report, I discovered multiple inaccurately reported late payments. This incorrect reporting adversely affects my creditworthiness and hinders my ability to obtain favorable credit terms.

I feel as though In accordance with the Fair Credit Reporting act GM FINANCIA
L act XXXX XXXXXXXX has violated my Rights. 15 U.S.C 1681 section 602 A states i have the rights to privacy 15 u.s.c 1681 Section 604 A section 2 : it also states a consumer reporting agency can not not furnish an account without my written instructions. 15 U.S.C. 166b A Creditor May not treat a payment on a credit card account under an open end consumer plan as late for ANY REASON 15 U.S.C. 1681 section ( a ) Accuracy and fairness of credit reporting The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. U.S. Code 1666b - Timing of payments.

A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. These laws are governed to protect the rights of the consumer.Im sending this letter out demanding that you either remove all late payments from reporting with all CRA or remove the account from all CRA from reporting inaccurate information. As per the FCRA, I expect a response within 30 days, acknowledging the receipt of and informing me of the actions taken to address this issue. Additionally, I request an accurate copy of my credit report once the corrections have been made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-18
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
Me and my mother had a joint account with Wells Fargo. XXXX XXXX XXXX XXXX XXXX  XXXX and yet XXXX XXXX was taking out our account after she XXXX they said I couldnt do anything about it Ive been in and out the hospital the account is closed now but theyve charged the amount several times at least {$500.00} more my mother name is 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 non-monetary relief
Consumer complaint received 2022-04-02
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I received the copy of my credit report and found inaccurate information, there are late payments showing when I am not really late on this account.

Company response to consumer: Closed with explanation