BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-19
Company: Bread Financial Holdings, 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: Problem with personal statement of dispute

Complaint:
The investigation results were unauthorized and inaccurate. I am a victim of my rights of privacy being violated. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. There is no law that says that you have the authority to report any of my credit information without my consent. A creditor or debt collector must have written permission to furnish any of the consumers information. I did not authorize any furnishings of these accounts and inquiries to my credit report per 15 U.S. Code 1681b ( ii ) - the consumer has to authorize in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be removed at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: General Motors Financial Company, Inc.
State: CT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
My interest rate is 19.25 percent. Yet when I have tried to refinance with other banks they deny my request. In short so far I've paid about $ XXXX in interest. Which sums up to approximately {$200.00} per month of the $ XXXX monthly payment counting towards the principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: EQUIFAX, 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 status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX {$7100.00} XXXX {$780.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
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: Their investigation did not fix an error on your report

Complaint:
I have requested Equifax, XXXX, and XXXX  update my credit reports. So far they have not. I need each bureau to update my account per my attachments. This information can be verified with XXXX XXXX XXXX XXXX who has also verified that no bureau has contracted them about my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: EQUIFAX, 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:
I applied for a XXXX  credit card a few weeks ago and today XX/XX/20 I received a letter in the mail stating that the reason I was not approved for the credit card is because there are accounts in negative standing appearing on my credit. I didn't know what accounts they were referring to as I looked through my credit report and I saw two accounts that are not mine. The account names are XXXX XXXX XXXX and XXXX XXXX XXXX. Neither of those accounts belong to me ; I did not open them and I did not give anyone permission to open them in my name. I do not have any type of written or verbal contract with those companies nor did I benefit anything as a result of those accounts being open in my name such as money, goods, services or any other benefit and I did not contribute to any payments that might have been made towards these accounts. I have already filed a complaint with the Consumer Financial Protection Bureau as well as a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04
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: Account status incorrect

Complaint:
In XX/XX/2018, I contacted XXXX to make automatic payments- I gave them the correct bank account number but the customer rep did not repeat it back to me. Apparently they got the wrong account number and didnt get to process the payment. In XXXX they reported my account as delinquent to the credit bureau which affected my credit score. They said they would look into the previous phone call but have not contacted me and its been almost a month. They offered no other solutions to help fix the wrong credit reporting they did. Please help.

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 2021-12-02
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
This is another complaint to your bureau. 
I submitted many documents to BBT, and various departments in BBT, your agency, and the XXXX  about a BBT bank transaction in the Summer of XXXX. 
I once again on XX/XX/XXXX, faxed a copy of the said credit card bill and the transaction receipt for payment of the charge of {$210.00} that I made XX/XX/XXXX on-time at the BBT teller window. These two items were faxed to the BBT Dispute Center at XXXX XXXXXXXX to the attention of their Administrator. The center phone # is XXXX. I received a confirmation that the fax was received at the center. I have not heard back from any BBT representative in regard to this. 

I would like all the interest charges, late fees, etc. reversed, as well as rescinding of the negative reports to various credit agencies on the part of BBT. I am tired of receiving collection calls on a bill I paid and paid promptly. 
I had originally reported the problem to the BBT CEO 's office in XX/XX/XXXX, and throughout BBT, but the situation remains unresolved. Please help me put an end to this, it is affecting my health.

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 2020-09-22
Company: Experian Information Solutions 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:
Good Morning! 

How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't XXXX  student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.

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 2020-02-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Hello, On XX/XX/2020 I initiated an International Wire Transfer to XXXX with Capital One for {$11000.00}. Money was immediately taken from my account along with {$40.00} fee. 
As of today the money has not reached my account in XXXX. 
I have made numerous calls and trips to Capital One and numerous emails and calls to the receiving bank in XXXX. 
Finally I requested to have the wire recalled on XX/XX/2020. 
The receiving Bank in XXXX confirmed that the wire was missing information and therefore could not be processed and that the money was eventually returned to US. 
As of today, XX/XX/20 I have not received my money back. 
It was sent from my account in US to account in my name in XXXX. 
It is very frustrating to have {$11000.00} of my hard earned and saved money gone missing. 
I will look forward to hearing from you. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I applied for a XXXX  credit card a few weeks ago and today XX/XX/20 I received a letter in the mail stating that the reason I was not approved for the credit card is because there are accounts in negative standing appearing on my credit. I didn't know what accounts they were referring to as I looked through my credit report and I saw two accounts that are not mine. The account names are XXXX XXXX XXXX and XXXX XXXX XXXX. Neither of those accounts belong to me ; I did not open them and I did not give anyone permission to open them in my name. I do not have any type of written or verbal contract with those companies nor did I benefit anything as a result of those accounts being open in my name such as money, goods, services or any other benefit and I did not contribute to any payments that might have been made towards these accounts. I have already filed a complaint with the Consumer Financial Protection Bureau as well as a police report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-12
Company: Navient Solutions, LLC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have been making payments to Navient in regards to bringing my past due account current. I was told by a customer service rep at Navient upon agreement that as long as I am making payments according to the agreement to bring my account current, that I would not be reported any further delinquent on my credit report. I recently received an alert that I was reported 120 days late and I have made payments on- time according to the agreement with Navient . They have therefore reneged on their part of agreement with me to not report my account any further delinquent when I have made payments on time according to the agreement set forth 2 months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Ive noticed XXXX Inaccuracies on my credit report I do not recognize XXXX XXXX Bankruptcy & XXXX XXXX Bankruptcy

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I entered in to a consumer credit transaction with Capital One Auto Finance XX/XX/2021 involving a finance charge along with a down payment of {$3500.00} from my debit card. Pursuant to 15 USC 1605a the finance is charge is the sum of all charges in a consumer credit transaction and DOES NOT include cash.

The option for insurance was not offered to me as well as my right to right of recession they purposely denied me my rights by not providing me with the appropriate forms to exercise my right which is in violation of 15 USC 1635. 

Upon further review of the transaction I reached out to Capital One multiples times via phone ( XX/XX/2021, XX/XX/2021, XXXX XXXX ) to demand my title be returned to me with no lien or any type of security interest and was told by a representative they had not received the perfected title from the dealership in order to provide the form needed to remove them from my lien. But would reach out to the dealership to expedite the process, however the DMV printed off their screen to show me that Capital One was already listed prior to this conversation which is the reason I called. 

They have now began to email me about late payments and attempts to collect on a debt for something I do not owe them as the finance charge is the sum of all charges and was paid in full through the consumer credit transaction. 

I have now sent via certified mail a Validation of Debt, Cease and Desist as well as an Affidavit of Truth, still awaiting response. As a federally protected consumer under Title 15 Chapter 41, my rights have been violated and Capital One Auto Finance is criminally liable, pursuant to 15 USC 1611 and also civilly liable, pursuant to 15 USC 1640 and 15 USC 1692K.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13
Company: National Debt Holdings, LLC
State: MI
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
XX/XX/19 I was called regarding a debt to be paid, by a attorney from XXXXXXXX XXXX XXXXXXXX. I felt pressured to make arrangements because I was told my license would be suspended. I then noticed while making arrangements it was with national debt holdings and my debt was recently sold to their company XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
PROCOLLECT , INC has placed a negative item back on my credit report after 7 years has past.

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 2021-12-02
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
In XXXX opened a Chime online bank account via promotion through XXXX for {$250.00} if opened and direct deposit made. These terms were met but now Chime is saying I am ineligible for bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
my score wend dow 42 points ( Only Transunion ) 3 inquiries and all claim they did not request credit info I am not in system XXXX XXXX XXXX XXXX Only other item XXXX XXXX upped my credit line by {$200.00} for good payment history. Can not get a hold of XXXX XXXX, they are the ones that gave the info to transunion. I have been trying to repair my scores and not they drop it after months of it going up. no one seems to know why or when and they all act like it is no big deal It is to me please help

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 2022-01-10
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: Investigation took more than 30 days

Complaint:
I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.

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 2019-05-14
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:
My account was on auto pay. XXXX says they stopped taking payments from my back account after having a letter they sent to me returned, although there was no change to my address. I made several requests for documentation of the returned letter in question to determine if it ever existed and, if so, to see why it was returned. They were unable to produce any documentation or explanation. I was unaware that the payments werent being debited as the emails they sent went to a junk folder. They admitted in my conversations with them that they never called my cell phone, which was accurately labeled as my current primary phone number, because their guidelines dont allow them to make automated calls to cell phones without some sort of prior authorization. Furthermore, they declined to have a human call me instead. Rather, they made three ( 3 ) robocalls to an old work number which was labeled alternate and no longer valid. 

So, in fact, XXXX did not adequately attempt to inform me by mail, phone and email that they were stopping the automatic payments, and therefore I was unawarecausing the account to inadvertently go into default. 

I wish to appeal and escalate this decision, so that the facts can be obtained and my credit report cleared of the negative reporting ( my FICO score decreased by 58 pts ) that resulted from XXXX negligence in this case. Please advise.

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 2019-05-14
Company: Suburban Credit Corporation
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
1 ). Yesterday, XX/XX/XXXX, I received a letter from Suburban Credit Corporation, XXXX XXXX, XXXX, VA XXXX, stating that I owe XXXX XXXX - XXXX, the sum of {$850.00} for services on XX/XX/XXXX. 

2 ). I called XXXX XXXX - XXXX at ( XXXX ) XXXX, a number I found on their website, and the rep asked for my birthday, which I refused to give. I asked him details about my said service, and he said my said membership has been suspended and I should contact the debt collector. 

3 ). Today, XX/XX/XXXX, I contacted debt collector at ( XXXX ) XXXX. ( The other number on their letter is ( XXXX ) -XXXX-XXXX. The female rep asked for my birthday and I refused and asked to speak with the supervisor. The supervisor wanted my birth date and I informed him I could not give him such a private and confidential information as I did not trust him at all. I told him I do not live in VA and so can not have a fitness membership in VA since XX/XX/XXXX. He then backed down and asked if my birthday was -- -- -- -- XXXX. I said No. he then said in that case I should not worry as it must be an error in the fitness company 's records. 

4 ). I believe this whole thing is a scam and so will like to inform you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: JPMORGAN CHASE & CO.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
I purchased a car from XXXX and was informed a few days later that it was involved in a trailer fire. I have called multiple times to get a replacement vehicle but each time I give XXXX a new VIN, they tell me a couple days later that the car they supposedly put on hold for me is now no longer available and was sold to someone else. It has now been over 22 days and I have called multiples times and have sent several emails with no resolution. I now have a loan on my Chase account for XXXX XXXX for a car I dont have.

Company response to consumer: Closed with explanation