BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-21
Company: BB&T CORPORATION
State: MD
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:
XX/XX/XXXX Re : Regional Acceptance Co acct. # XXXX Dear Regional Acceptance Co , I've been a customer of yours for years now, and recently when reviewing my credit reports I noticed late payments from back in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. and XX/XX/XXXX. I have always paid my bills on time, for as long as I can remember. I really believe that these payments must have been due to an error of some kind, such as an issue with the mail or something similar. If you'll review my account history, you will see that I have never been late aside from these instances. My credit is important to me and my relationship with your company is also important. I've been a happy customer for many years, and would like to remain one for many more. Based on our good relationship, I'm asking you to please remove these late payments from my account and from my credit. I ask you to take this in consideration and please favor your faithful client. 


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 explanation
Consumer complaint received 2019-01-21
Company: Experian Information Solutions 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 have been sending dispute letters to XXXX XXXX, experian in regards to XXXX XXXX XXXX {$8700.00} that has been charged off and now two other creditors are trying to collect. I have sent proof of verification, validations to all 3 bureaus and only XXXX deleted off the profile, I requested for removals, original signed documentation, signed contracts, ect. I have never received anything from original creditors reporting to the 3 bureaus and or any proof. If anything my credit is being damaged more and more affecting my ability to obtain necessary credit by being re reported eveytime i dispute. Experian and XXXX XXXX seems to do more harm and hold credit hostage. Nothing has been provided to me 100 % validation or verified under FCRA. All documents are notarized and have tracking.

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 2021-11-03
Company: Resurgent Capital Services L.P.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have no knowledge of the account I keep disputing account and no response .LVNV funding LLC {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-21
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I received a promotional offer over mail from Citi Priority : Invitation Code : XXXX. Please find the attachment for the detail of the letter.

I have not received the {$400.00} bonus that the promotion has promised after I enrolled the offer and then met all the requirements stated in the letter : I have funded my existing eligible Citi Priority with more than {$100000.00} and I have been maintaining the balance until today.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have been sending dispute letters to trans union, XXXX, XXXX  and im on my 3rd round with XXXX. Ive started my disputes as of XX/XX/XXXX and as of XX/XX/XXXX. 

XXXX  XXXX XXXX  {$560.00}, XXXX {$1300.00}, XXXX XXXX XXXX {$440.00}, XXXX XXXX XXXX {$8700.00}. 

I have sent proof of verification, validations, I requested for removals, original signed documentation, signed contracts, ect. I have never received anything from original creditors reporting to the 3 bureaus and or any proof. If anything my credit is being damaged more and more affecting my ability to obtain necessary credit by being re reported eveytime i dispute. XXXX  and XXXX seems to do more harm and hold credit hostage. Nothing has been provided to me 100 % validation or verified under FCRA. All documents are notarized and have tracking. 

i have sent trans union deletion of XXXX XXXX XXXX to the other two bureaus but still have no response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-21
Company: Radius Global Solutions LLC
State: FL
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:
Radius Gobal Soulution. XX/XX/XXXX amount {$1800.00}. This account dont not belong to me nor have not consent for this to get my information at all XXXX XXXX XXXX. XX/XX/XXXX amount {$150.00} and XXXX. This account is old should have not be on my report I was told from the rep they will remove it from all 3 credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
an account for XXXX XXXX reports on my XXXX and Experian I never opened account infact when I first became aware I sued the dealer..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-21
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 have been sending dispute letters to XXXX XXXX, equifax, XXXX and im on my 3rd round with XXXX. Ive started my disputes as of XX/XX/XXXX and as of XX/XX/XXXX. 

XXXX XXXX XXXX {$560.00}, XXXX {$1300.00}, XXXX XXXX XXXX {$440.00}, XXXX XXXX XXXX {$8700.00}. 

I have sent proof of verification, validations, I requested for removals, original signed documentation, signed contracts, ect. I have never received anything from original creditors reporting to the 3 bureaus and or any proof. If anything my credit is being damaged more and more affecting my ability to obtain necessary credit by being re reported eveytime i dispute. XXXX  and equifax seems to do more harm and hold credit hostage. Nothing has been provided to me 100 % validation or verified under FCRA. All documents are notarized and have tracking. 

i have sent XXXX XXXX deletion of XXXX XXXX XXXX  to the other two bureaus but still have no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Today, I spoke with " XXXX '' from Experian at XXXX regarding Report # XXXX. Specifically, I called to request the Method of Verification Experian used to determine the accuracy and completeness of the information on my dispute concerning entries relating to XXXX XXXX XXXX that appear on my report. The dispute was completed today with none of the corrections I pointed out in my dispute, so I wanted to make certain Experian promptly provided me the required description of the procedure so that I would have all the details for further follow-up. I also asked for this information in advance when I submitted my dispute, plus I sent a confirming letter to follow - both by certified mail. 

XXXX said " NO, '' Experian WILL NOT release the method of verification used for my dispute. Experian " will only send the results in the report. '' He went on to explain that Experian " only serves as a channel between the creditor and consumer '' and that I can contact the reporter for more information. When I objected, XXXX said I can file a complaint with CFPB but that what he stated " is how we handle it. '' FCRA 611 ( a ) ( 7 ) provides : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

My dispute pertaining to the entries under XXXX XXXX XXXX previously resulted in a " verified '' result. Thereafter, and for the avoidance of all doubt, I provided additional information and details with notice that I intend to continue pursuing entries that are entirely inaccurate and incomplete, and represent a very serious error in the reporting. Moreover, as mentioned above, I asked that the Method of Verification be provided and specifically objected to use of any automated response or e-Oscar verification system. These ACDV systems are both unreliable and improper. ( Apodaca v. Discover Fin. Servs., 417 F.Supp.2d 1220, 123031 ( D.N.M.2006 ) ; Bradshaw v. BAC Home Loans Servicing, LP, 816 F.Supp.2d 1066, 107374 ( D.Or.2011 ). )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-21
Company: Bread Financial Holdings, Inc.
State: FL
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:
XXXX XXXX XXXX. XX/XX/XXXX amount {$1800.00}. This account dont not belong to me nor have not consent for this to get my information at all XXXX XXXX XXXX. XX/XX/XXXX amount {$150.00} and XXXX. This account is old should have not be on my report I was told from the rep they will remove it from all 3 credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I AM VICTIM OF AN IDENTITY THEFT, AND I HAVE REACHED OUT NUMEROUS TIMES TO THE BUREAUS BUT I AM NOT SURE WHY THEY ARE IGNORING MY REQUESTS. WHY DO THEY OFFER THE OPTION OF COMPLAIN AND REPORT IDENTITY THEFT WHEN THEY WILL NOT HONOR ANY DOCUMENTS OR REQUEST. JUST BECAUSE SOMEONE STOLE MY IDENTITY NOW I HAVE TO PAY THE PRICE FOR YEARS. HOW FAIR IS THAT TO ME AS A VICTIM.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
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:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX  XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$630.00}

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 2019-03-19
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
In the last three months, my private student loan servicer, AES, has locked me out of my online account. Whether or not I am up to date on my payments, I have a legal right to access information pertaining to my debt. AES is violating my right to access my information online and has not honored the online account management services.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-21
Company: Amscot Corporation
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
I'm heir to my ex-wife estate she passed, we returned a new vehicle to the dealership we purchased it from, they mailed a agreed amount of XXXX the check was intercepted and cashed thus happened in XX/XX/2017 I just the other day got the dealership to get me a copy if the cashed check, I contacted the institution and they said that's between me and the auto dealership this conversation took place 2 days ago Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-21
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied ( and was approved ) for the American Express Delta SkyMiles Blue Credit Card around XX/XX/2018. At that time, the sign-up bonus marketed online included XXXX SkyMiles after spending {$500.00} in the first three months, as well as {$50.00} statement credits for XXXX rides every month for the first six months. I called American Express on XX/XX/XXXX and filed a claim regarding this issue ; I never heard back. I then tried calling again on XX/XX/2018. The representative told me that the claim was found to be in my favor and that I should receive the sign-up bonus when my statement closed. I called back XXXX after the points were not transferred, and was told by the representative that they should be credited in XXXX after my XXXX billing cycle closed ; they were not credited. I then called American Express on XX/XX/XXXX to inquire on the status of the sign-up bonus ; the XXXX Skymiles were credited to my Delta SkyMiles account, but I did not receive the statement credits. I called again on XX/XX/XXXX, and they had no answer for me other than to wait 2-4 weeks for further investigation. I should be credited {$300.00} ( it's been about 6 billing cycles, and I've spent well over {$50.00} on XXXX rides each statement ). I have attached a screenshot of the website promoting the signup bonus, from the time I applied for the card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-12
Company: Northstar Location Services, LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Northstar Location Services - Collector Thursday, XX/XX/XXXX - initial call XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - I have received follow up calls every week day since, even though in the original call I told them I would call back myself when I had any new information for them. I am being harassed and want it to stop immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-21
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
for about a year now plus, ive emailed to get a reply ( emails not accepted ) then gives me a oimk to a bot. if you guys were coinbase.com and lets be honest if i go XXXX ya mihht not likr ut you know would you imagine they do too? guys remember when bitcoin was like XXXX ever since then guys you know anyone who forgot their gmail password and forgot what email address was the reserve. i assume if your coinbas it happens often and guys with my email address dnt ya think i can vlose them go nat sec and next but honestly who and what would learn from that? guys i even told them i dont know if ya have XXXX  XXXX  but i got the google video on mine you can compare what you aee with the pic i took holding my id to open the acct and nada. ya i told XXXX but earlier tnite and no worries i aint telling them i told you. you know the theory behond a bank cant legally hold anyone from their acct cause its my cash? they dnt even give you an acct number but i even offered to tell them last time deposit into what acct from what acct and how much nada guys i wanted out when bitcoin was XXXX and since then coinbase has held me from my money what brokerage that happen? and i ber they go today well transfer his cash ya when my securities aint wortj nada no way if yo youre not the only dc dotgov ive informed if ya dnt fix it congress gon na love all you us federal court of claims!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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 can not access my account through money saving apps such as XXXX. 

Please allow me to use these features

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, XXXX  and XXXX  i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these company. I also saw XXXX is reporting 3 late payments on my credit report which is incorrect and false. I have never been late. I am a victim of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: SYNCHRONY FINANCIAL
State: MT
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:
On XXXX I started an application with Care Credit XXXX Synchrony Bank. On their website it says that the beginning of the process IS NOT a credit application and the application is to see if I pre-qualify. 

I went 1/2 way through the application process and then quit, thinking I could pick the process back up. 

I could not. I called and was told that my credit was run with XXXX XXXX and that my application was declined, but they could not tell me why. 

Their website specifically said that my credit would not be run, and now I can not apply with their organization for a loan. 

This is misrepresentation of how they are handling credit, and I believe that there are lending regulations regarding proper disclosure of if your credit is being run for a credit card. ( Card Act ) I have a screenshot showing their website specifically states that the request is NOT a credit application.

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 2020-06-25
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
On Friday, XX/XX/XXXX I received an email from Citibank about my revolving credit limit. My revolving credit limit was {$15000.00}. On XX/XX/XXXX the email advised me that my new credit limit was {$3300.00}. I have never once missed or been late with a payment to this account ( or any of my accounts for that matter ). This left me with an available balance of approximately {$90.00}. In the middle of a pandemic when I needed them the most, they took away my entire credit limit. I checked with XXXX  to make sure I didn't have a problem. There is nothing delinquent or derogatory on my report. My credit score is XXXX, maybe not perfect but decent. Citibank advised me that my credit was reduced due to my credit score. 

When I asked to be transferred to the credit department they told me they were unavailable for phone calls and that there was no way to reach them. HOW SHAMEFUL IS THAT??? I can understand in these trying times to reduce a credit limit, but to reduce it by {$12000.00} is completely unacceptable. When I asked to put a partial amount back they refused. Citibank should be ashamed of themselves!!! 
Sincerely, 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 explanation