BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-05
Company: SYNCHRONY FINANCIAL
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Purchased a XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( ID # XXXX ) on XXXX/XXXX/XXXX. We were offered and accepted 5 year financing with ZERO 5 % interest for the first 12 months and than 4.99 % for 48 months. First payment was dueXX/XX/XXXX. We made payments ranging from {$400.00} to {$1000.00} for 10 months and then sent in the balance due for the 11th month payment. The payment were sent to a XX/XX/XXXX, XXXX XXXX XXXX, XXXX, GA XXXX. After sending in the balance due in month XXXX, which was XXXX XXXX, we received a statement from said XX/XX/XXXX claiming we owed {$39.00} which was called " late charge assessment ''. My guess is they are not happy we paid off the loan in the interst free time period and assessed the " fee '' and the loan stated there was NO penalty for prepayment of loan prior to term. I have attached the page showing this clause.

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 2022-03-08
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: AmeriCollect
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Please be advised this isn't a bill or contract with specifics of this visit & treatment. I've advised multiple times I'm 100 % service connected XXXX veteran. All my care is with VA & this inhouse printout doesn't validate this as a debt. It also doesn't give you the right to purchase a debt as a XXXX XXXX collection agency & place it on my credit reports. I will be contacting the Federal Trade Commission & pursuing legal advice against Americollect. You've failed to provide a valid statement detailing these charges. You have failed to also provide any signed documents regarding thismatter. I lost my job of XXXX years prior to this transaction. I've been covered through VA since XXXX & private medical insurance when I was employed up to XX/XX/XXXX. 


Please remove this debt from all my credit reports due to failure providing valid medical records of this visit. If I don't receive verification within the next XXXX hours of either medical records of this XXXX  visit or proof it's removed I will take every steps within my legal rights to seek financial damages for the XXXX XXXX XXXX  this has caused. 


XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Requested to have the freeze temp unlocked/lifted. They said to send COPIES of specific documents. This was done via Priority Mail. Just received in mail that I did not send in the req. docs. I did. I marked off what they wanted. 
XXXX is refusing to do their job and the companies that are requesting this ( NOT I ) are still waiting after over a months for these people to do what the person ( I ) have asked them to do. THIS IS ILLEGAL. 
Lift temp.the freeze IMMEDIATELY. THAT IS MY RIGHT. 
This is a formal claim against TransUnion. 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 2021-04-17
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I sent 1st Letter that was delivered on XX/XX/21 ( XXXX ) XX/XX/21 ( XXXX ) XX/XX/21 ( XXXX ) stating to send me proof that the debt was valid bearing my signature. No communication was sent from LVNV FUNDING LLC. The 2nd letter that was delivered on XX/XX/21 ( XXXX ) XX/XX/21 ( XXXX ) where again I asked them to validate the debt to send me proof bearing my signature nothing was sent. I got a letter from XXXX on XX/XX/21 stating that " we verified that this item belongs to you '' I have never had any type of communications from this company nor received any proof from them to validate this debt which is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX XXXX XXXX This company sold our loan to XXXX XXXX XXXX and the entire process was a terrible experience for us. A principal payment was lost during the transfer and they have made little efforts to acknowledge my request for a complete payment history of our account. 

The new lender is not acknowledging the issue and have been difficult to deal with. 

Request immediate assistance to mediate the issue and force XXXX to work with XXXX XXXXXXXX XXXX to find the payment, post it to the correct date, and adjust additional interest charged for not posting the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: Experian Information Solutions Inc.
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: Was not notified of investigation status or results

Complaint:
Credit bureaus failed to positively verify collection accounts. Credit bureaus did not provide me a copy of verifiable proof for alleged accounts listed below XXXX  ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX Experian ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT # 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 2017-11-05
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
On XXXX XXXX, XXXX I mailed a dispute letter through USPS Certified Mail to Experian disputing inaccurate and invalid accounts on my credit file. Experian received the letter on XXXX XXXX, 2017.Within 30 days I received a letter from Experian saying that the invalid accounts where verified. On XXXX XXXX, XXXX I mailed another letter through USPS Certified Mail to Experian asking for method of verification and proof of verification. Experian received the letter on XXXX XXXX, XXXX. Within another 30 days I received another letter from Experian stating the exact same thing as the first letter. The letter said the accounts have been verified. Experian did not provide any proof or details on how the accounts were verified. On XXXX XXXX, XXXX I mailed yet another letter through USPS Certified Mail to Experian asking them to delete the UNVERIFIED accounts from my credit file per the FCRA. Within 30 days I received a letter from Experian stating again that the accounts have been verified. How can Experian say that they verified an account and not provide information on how the accounts was verified? How can Experian be allowed to willfully neglect FCRA and report inaccurate and unverified accounts on my credit file? This has caused me a lot of suffering. The Credit Bureaus makes billions from selling consumer information. They stand to make more money from consumers with bad credit, which is probably the reason that they refuse to do a proper investigation. The way they treat the powerless consumer is very unfair and unjust. If an account is not verified how can they be sure that the account belongs to me. Any company that has an account with Experian can report inaccurate information onto your credit file without proper verification as long as they are paying Experian. Please delete these inaccurate, invalid and unverified items from my credit file : XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX. Thank You

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 2022-03-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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:
There is a past due balance reported on a closed chargeoff account. 
CAPITAL ONE # XXXX 2 credit bureaus not reporting accurate balances. FCRA rules state all 3 should accurately be reporting across the board if it was recently investigated. 
High Balance : XXXX {$0.00}, XXXX {$1200.00}, XXXX Not Reporting Anything They are reporting multiple XXXX  remarks to my payment history after date of last activity. 

Both bureaus also failed to update the Creditors Remarks Section to being investigated I am attaching a copy of my most recent credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17
Company: Resurgent Capital Services L.P.
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: Investigation took more than 30 days

Complaint:
I submitted a dispute in regards to the incorrect items on my credit report and it has been well over 30 days and have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-05
Company: CITIBANK, N.A.
State: WA
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:
I have had the Citi Bank XXXX XXXX for over 10 years. I received an email in XXXX that the card was being converted to an XXXX XXXX as Citibank lost the contract with XXXX. I already have the XXXX XXXX XXXX and did not need two. I called customer service on XXXX asking if I can convert it to another CitiCard which I was assured I could. I was told even though I knew what card I wanted I had to review the website to make sure I knew what card I wanted and then could call back to covert it. I called back the next day and was advised by a CSR and manager that the card can not be converted due to the fact it is a XXXX card. 

I expressed frustration that I would loose 10 years of card history on my credit report impacting my score if this happened and they showed no concern or provided information on this. I asked why two reps the previous day ( one for general cards and one with the XXXX  division who I had a question about that card benefits in which only a XXXX rep can answer with Citi ). 

Citi shows no concern for customers when they provide inaccurate financial information that now will result in a monetary loss to me due to a credit score change. Citi simply does not care about the communities they serve or providing accurate financial information.

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 2022-03-08
Company: DISCOVER BANK
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Discover Bank advertises Home Equity loan rates between 4.49 % and 11.99 %. I applied for a {$40000.00} home equity loan with them. I have an XXXX credit score and our LTV would be below 70 % with the home equity loan. The only debt I have is this loan and an auto loan, and my salary more than covers the potential payments with my existing debt. It would be a second lien loan. Even with my exceptional credit, they offered me 8.99 %. This is insanely high, and I would have never applied and wasted a hit on my credit if I had known that Discover Bank would give me such a high rate even with my exceptional credit and low LTV. Discover Bank is using deceptive marketing practices, advertising rates that they never intend to provide. Please investigate and find out how many borrowers actually receive the 4.49 % rate - I'm sure it's close to zero.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-05
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
On XXXX XXXX, XXXX I mailed a dispute letter through USPS Certified Mail to Equifax disputing inaccurate and invalid accounts on my credit file. Equifax received the letter on XXXX XXXX, XXXX.Within 30 days I received a letter from Equifax saying that the invalid accounts where verified. On XXXX XXXX, XXXX I mailed another letter through USPS Certified Mail to Equifax asking for method of verification and proof of verification. Equifax received the letter on XXXX XXXX, XXXX. Within another 30 days I received another letter from Equifax stating the exact same thing as the first letter. The letter said the accounts have been verified. Equifax did not provide any proof or details on how the accounts were verified. On XXXX XXXX, XXXX I mailed yet another letter through USPS Certified Mail to Equifax asking them to delete the UNVERIFIED accounts from my credit file per the FCRA. Within 30 days I received a letter from Equifax stating again that the accounts have been verified. How can Equifax say that they verified an account and not provide information on how the accounts was verified? How can Equifax be allowed to willfully neglect FCRA and report inaccurate and unverified accounts on my credit file? This has caused me a lot of suffering. The Credit Bureaus makes billions from selling consumer information. They stand to make more money from consumers with bad credit, which is probably the reason that they refuse to do a proper investigation. The way they treat the powerless consumer is very unfair and unjust. If an account is not verified how can they be sure that the account belongs to me. Any company that has an account with Equifax can report inaccurate information onto your credit file without proper verification as long as they are paying Equifax. Please delete these inaccurate, invalid and unverified items from my credit file : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
my name is XXXX XXXX XXXX and my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX all of the others names and address that appear on my credit report is not correct.

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 2021-04-17
Company: Bread Financial Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I sent 1st Letter that was delivered on XX/XX/21 ( XXXX ) XX/XX/21 ( XXXX ) XX/XX/21 ( XXXX ) stating to send me proof that the debt was valid bearing my signature. No communication was sent from XXXX XXXX XXXX. The 2nd letter that was delivered on XX/XX/21 ( XXXX ) XX/XX/21 ( XXXX ) where again I asked them to validate the debt to send me proof bearing my signature nothing was sent. I got a letter from XXXX on XX/XX/21 stating that " we verified that this item belongs to you '' I have never had any type of communications from this company nor received any proof from them to validate this debt which is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Receiving multiple preapproved credit card applications for a person who doesn't live here

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-09
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I contacted XXXX XXXX at Citibank because I was making my payments of {$300.00} and Citibank got greedy and raised my minimum payment to {$570.00}. I explained my unfortunate set of circumstances and tried to take preventative actions with Citibank asking for Citi to work with me as unfortunately have fallen short and would to modify terms. 

Temporary hardship plans - These plans are typically set for 6 or 12 months. I am requesting CITIBANK to reduce my account to 2 % of my current balance. I am requesting for CITIBANK to address the interest rate and reduce to anywhere from zero to 9 %. I am requesting for CITIBANK to waive fees and penalties and offer me a pre-plan arrangement. I requested for any long term hardship program - provide me with payments amortized over 5 years ( 60 months ) which would be similar to the temporary plans of 2 to 2.5 % of the current balance set as your monthly payment.

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 2020-06-01
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: Investigation took more than 30 days

Complaint:
ftc violations 

XXXX XXXX XXXX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: CARD Corporation
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
In XXXX of XXXX through XXXX of XXXX my card which I was receiving my veterans affairs XXXX benefits direct deposit on was stolen or actually the information was stolen off of a cell phone that was stolen from me and I immediately reported it to the cops and I immediately reported it to the bank I filled out all the dispute agreement forms that they requested from me I sent them undeniable proof that these transactions had happened and that I had not committed any of them and no matter how many times I've reached out and tried to contact the bank and resolution to this matter no one will help me no matter what I do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-08
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: Credit inquiries on your report that you don't recognize

Complaint:
Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-20
Company: CITIBANK, N.A.
State: NJ
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:
My Citi bank credit card many times decreased our credit limit with no adverse info in our 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