BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
As a responsible individual, I understand the importance of maintaining a good credit score to secure financial stability and future opportunities. However, life can sometimes throw unexpected challenges that take a toll on one 's financial situation, resulting in missed payments and increased debts. Due to unforeseen circumstances, I have recently gone through a hard time that has impacted my credit score negatively. I fully recognize the gravity of this situation and am actively seeking ways to rectify it. I understand the significance of having a clean credit report and the effect it has on my overall financial health. Therefore, I am making every effort to clear my debts and make timely payments to improve my credit score. I am writing to you regarding the matter of the debt assigned to me by XXXX XXXX XXXX on XX/XX/XXXX, originally amounting to {$890.00}, also assigned XXXX XXXX, XXXX originally amounting {$590.00}. I am also writing reguarding XXXX XXXX XXXX XXXX assigned XX/XX/XXXX original amount owed {$840.00}, also date assigned XXXX, XXXX XXXX original amount owed {$260.00}. While I understand the need for medical providers to collect and maintain patient information for purposes of treatment and billing, I want to bring to your attention a growing concern that has become prevalent in recent times. This pertains to the unauthorized sale of personal data by companies without the knowledge or consent of the individuals concerned. As a consumer, and a patient of XXXX XXXX XXXX, I have the right to expect that my personal information is protected at all times and not misused for profit-making purposes. In fact, the Health Insurance Portability and Accountability Act ( HIPAA ) of 1996 was enacted specifically to safeguard the privacy of personal health information. I am disappointed to learn that my data may have been sold without my consent, and if that is the case, I urge XXXX XXXX XXXXXXXX to review its policies and practices to ensure that they are fully compliant with HIPAA regulations. The unauthorized sale of personal data is not only unethical but also illegal, and I strongly believe that no company should profit from the exploitation of sensitive information that belongs to its customers. I am committed to resolving this issue in a fair and amicable manner and would appreciate your cooperation in ensuring that my rights, as well as those of other patients, are respected and upheld. Thank you for your attention to this matter, and I look forward to hearing back from you soon.

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 2023-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
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 XX/XX/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 2022-07-25
Company: Experian Information Solutions Inc.
State: FL
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:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

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 2022-08-25
Company: Bread Financial Holdings, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
On or around XX/XX/2022 I was updating my repeat order on XXXX and received a message asking me if I wanted to apply for a XXXX XXXX XXXX so I did. After waiting over a month for my card I finally decided to call and find out where the card was. I was concerned that someone else might have received my card in the mail. After numerous attempts, On or around XX/XX/XXXX, a month after applying for the original card, I was not able to reach XXXX XXXX  - XXXX - by phone so I called XXXX XXXX - XXXX - where I was finally able to get a supervisor to ( supposedly ) cancel the card and send a new card which arrived sometime in XXXX - over a month an a half after signing up for the original card. 

Upon receiving the second card, I immediately activated the card via the XXXX phone number on the card. After activating the card, I tried to register for online access at comenity.netXXXX but was unable to do so. No matter what I tried to do ( forgotten password, forgotten user ID etc ) I would receive Big Bright Red Error Messages that worried me due to the unprofessional appearance of these messages. After unsuccessfully trying to reach a customer service rep at XXXX XXXX  by phone ( again ), I decided to call XXXX XXXX ( again- not XXXX XXXX XXXX  ) at XXXX ; but like myself, the XXXX XXXX rep was also unable to reach XXXX XXXX XXXX by phone so they transferred me to a XXXX XXXX supervisor. The supervisor was also unable to reach XXXX XXXX by phone so I asked her to cancel the second card. By this time, I no longer wanted a XXXX XXXX XXXX. 

Now on XX/XX/XXXX, I need to confirm the 2nd card was cancelled but, once again, no one will answer the phone at XXXX & I can not gain access to XXXX XXXX online at comenity.net/XXXX  I don't know if this is because the card is cancelled or because the website and customer service line are both still not operational. 

There is something very odd going on with XXXX XXXX XXXX 's website and customer service line. 

I need to confirm that this card is cancelled right away. 

Also, I do not feel comfortable knowing that XXXX XXXX ( comenity.netXXXX  ) has access to my data and want them to removed all of my personal information from their database right away. I would like confirmation that they have done so. 

I do appreciate your assistance. 

Thank You.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-19
Company: Nelnet, Inc.
State: MA
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 was shocked when I reviewed my credit report and found late payment on the dates below : XXXX - XX/XX/2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Have a credit card with Kohls/Capital One and no longer work for Kohls and Ive had nothing but problems trying to get them to work with me on the card I am but I have not been employed with them and I was on an unemployed since XXXX of this year and theyve closed my account charge interest fees late fees all sorts of fees and refused to work with me on my credit report now I cant even rent a place to live because of the damage that Kohls has done for a credit card I cant find a place to live thats pretty sad they wont work with me they wont even offer a settlement my limit is XXXX and theyve done charged me an extra {$170.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: AMERICAN EXPRESS COMPANY
State: NY
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:
I have had accounts with American Express for almost 20 years. I pay around {$900.00} in annual fees alone. We have never had to rely too much on them, but over the last few months we have actually had to use the cards we have dutifully paid on time and historically in full. Over the last month we have had myriad purchases declined, a limit set arbitrarily low making our credit look worse, and today after paying around {$15000.00} in a single month theyre are threatening to lower the limit on a card that isnt due and which has ostensibly {$4500.00} in remaining credit. The treatment is absolutely shabby when we have never missed a payment with Amex. Threatening us with reducing the limit unless we pay {$2700.00} that is not due yet and that is thousands above the minimum payment is extortionate and abusive. I would swallow the miserable customer service if it werent so detrimental to my credit at the very moment I need the cards to help me move.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: JPMORGAN CHASE & CO.
State: UT
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:
Chase Bank is reporting 30 day late 's on my account. I have paid this account and there was a residual balance and/or fee that i was never notified about. I was not told when i called in to make the payment and never received any other notice from Chase Bank and wasn't aware of the late notations until i pulled my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
In XXXX I recieved a auto tie loan for {$2500.00} from loan mart XXXX Wheels Financial LLC on XXXX XXXX XXXX CA. Corporate office is in XXXX XXXX CA. I had paid in full and they also Repossessed my vehicle. I then took them to court to sue them for excessive damages XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX case XXXX, XXXX vs. XXXX XXXX XXXX for Wheels Financial Group LLC.The judge made a final discovery and closed this collections stating that each parties do Not owe the others and that my account was paid in full. Since this date Wheels Financial has violated a court order and has continued to ruin my credit to this day. They were supposed to have closed my file as a debt has been ordered to been paid in full. They are now committing fraud and extortion and will not remove the the accumulated amount of {$16000.00} on my credit report and will not fix the credit problem they have caused on my credit score and remove and stop the negative unowed balance causing severe damage to my credit report and will not lift the repo claim from my vehicle they stole with a faulty title lien following the paid in full status. This has occurred more than seven years. I have contacted the credit agencies and they will not remove it either. I contacted Wheels Financial and they refuse to remove and fix the damage done. My bank statements prove the title loan was paid off. Payments were maid through XXXX account I had In the past.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Hi, I am a citibank priority account holder. I closed my account on the XXXX of XXXX in 2022 and the representative told me the balance check will be mailed out and I will receive it within XXXX business days. As of today, I still haven't received the check yet. The remaining balance is {$41000.00}. I have contacted them via online chat and phone calls many times to request an update and no information provided from them. Address was verified multiple times. I don't believe my check is issued and sent by mail.

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 2020-06-19
Company: CONTRACT CALLERS INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Hi. I want you to know I've never filed a complaint before. I'm really nervous because I don't want to get someone in trouble but I really need your help. 

I'm trying to get approved for a home loan and I am very close but there seems to be 1 thing holding me back. There is a collection on my credit report that is for XXXX. I don't remember owing XXXX any money but its on my credit report. When I found out, my husband called Contract Callers to see if we can just pay it and have it removed from my credit report. Contract Callers is who has the account on the report. 

Contract Callers told my husband no because they don't do pay for deletions as a company policy. I understand if that's their policy but its really hurting me to get this home. What really bothers me however is how they told my husband they don't have my address and they don't have my phone number. They even said they haven't spoken with us before. I don't understand how someone can hurt someone else 's credit without even trying to tell them money is owed. Or at the very least, confirming and making sure they have the right person before they begin causing this person harm. 

I'm desperate. I really need to buy a house and the only way I can get approved is by having this account removed from my credit report. Simply paying it won't do me any good. Can you help me convince Contract Callers to remove this from my report if I pay them? As I stated before, I never knew about this account until a lender pulled my report recently. It's not fair for me to have something hurting my credit when I wasn't even given a chance to pay in the first place.

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 2020-06-16
Company: ID Analytics, Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Summary : An unathorized credit freeze imposed by a CRA called SageStream , LLC I had never had any contact with, has been preventing me from obtaining credit I am well qualified for. SageStream has been completely unresponsive so far. 

On XX/XX/2020, after doing some significant, extended research, I submitted an online application to accept a mailed personalized offer of a no-fee, fixed-rate personal loan from XXXX by XXXX XXXX XXXX " XXXX '' ). 

The application could not be approved, for the following stated reason : " Credit freeze on bureau, unable to verify credit history '' I have since discovered that XXXX was able to obtain my credit report from XXXX, but not from SageStream , LLC ( " SageStream '' ). 

As a result, XXXX has been unable to even consider / start processing my loan application to date. 

Until XX/XX/XXXX, I had never contacted or been contacted by SageStream for any reason, nor had been aware of its existence. 

Since XX/XX/XXXX, SageStream has ignored my brief, to the point, specific messages, left at its falsely self-described " call-back '' voice mail box XXXX. 

Its industry peers routinely verify identity on the phone and process such basic requests in real time, without any document harvesting or phantom call-back promises.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-25
Company: ID Analytics, Inc.
State: CA
Product: Credit reporting, credit repair services, 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:
I went into a XXXX XXXX to apply for a car loan and they applied to multiple companies for me on XX/XX/XXXX. Since then I have received multiple letters in the mail with offers, counter-offers, or denials of loans. The issue is this : one of the companies, XXXX XXXX, sent me two letters in the mail I received today, XX/XX/XXXX, denying my loan application and lists my credit scores from XXXX, and some odd credit reporting agency I've never heard of called Sagestream LLC. My credit score from XXXX   listed by the letters is XXXX but the Sagestream agency lists it at XXXX and both letters state they used Sagestream as a deciding factor in the loan denial. 

After a visit to their website to find out why my score is so low through Sagestream I found out that the only way Sagestream will give me a copy of my credit report from them is to send off copies of personal information such as my social security card and drivers license through the mail. Their company phone number just led me through a chain of robots without any real help from an actual person. I am reluctant to send off any personal information to a company I have never heard of for credit history until today and all reviews I read of this company have labeled them as a scam. 

Listed on the letters from XXXX XXXX under Sagestreams reasons for adversely affected scores are " Limited history for consumer at address & phone ( Applicant ), Length of time accounts have been established too short ( Applicant ), Not enough bankcard debt experience ( Applicant ), Not enough debt experience ( Applicant ). '' I've had my phone number since 2005, lived at the same address for 20 years, had my bank card since 2005 with zero delinquencies or overdrafts, and I've had my credit card for over a year with perfect payment history. 

To have an unknown company with false information and who tries to use shady tactics to obtain personal information be the adverse factor in a bank 's decision to offer a loan to me has sent many red flags and is the reason I am filing a formal complaint against Sagestream LLC and XXXX XXXX for partnering with them and for potentially sharing my personal information with Sagestream LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA
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 XXXX account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an ion end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
all the information attached to my social is incorrect, and the person that has access to it it's not the person they say he is I've been having a really hard time employed have credit they denied me for everything due to this person using my social they think that I'm one of his dependents or something or a spouse. Going to fix that problem by trying to verify my identity.

Company response to consumer: Closed with explanation