BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-29
Company: The Bureaus, Inc.
State: WA
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:
There is unknown collection on my credit reports. Im requested the verification of the collection and the method of verification. THE BUREAUS Opened XXXX. XXXX, 2020. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose. My written authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: ALLY FINANCIAL INC.
State: MA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2020. Ally bank ( XXXX. XXXX XXXX XXXX XXXX, PA XXXX ) became aware of a human error that caused my information to appear on another customer 's B Notice, a backup withholding document. The XXXX  requires that Ally bank validate my name and Social Security number if their records vary from theirs. 

The information that was involved included my full name and Social Security number. 

Ally Bank claimed that a corrected B Notice was sent on XX/XX/2020. They said they contacted the customer who received my information and requested that he destroy the Notice sent in error. 

Ally Bank states that they engaged XXXX to provide me with its XXXX XXXX XXXX for two years, at no charge. 

I called the bank many times in the past month asking for a valid explanation and a feasible solution to prevent being a victim of identity theft. They will not investigate o take other actions regarding this problem.

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 2018-09-17
Company: AMERICAN EXPRESS COMPANY
State: CT
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:
I was provided provisional credits in the amounts of XXXX and XXXX for disputed transactions in said amounts which occurred on XX/XX/31, XXXX XXXX. I have not heard the status of the dispute as of yet, however, in the event the credits are reversed, please advise XXXX I require proof of their investigation and info showing I received anything from the merchant.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-13
Company: Gallatin Valley Financial
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
XXXX XXXX is attempting to collect a debt that may be owed by an LLC which my husband was previously a XXXX XXXX, but is no longer associated with. My husband received a letter addressed to the company stating their attempt to collect a debt. 

On XX/XX/2020 XXXX XXXX from Rocky Mountain Credit called my employer at XXXX XXXX Pacific Daylight Time and left a message on their sales hotline asking that I return his call. 

On XX/XX/2020 XXXX XXXX from Rocky Mountain Credit called my cell phone at XXXX XXXX  Pacific Daylight Time. I answered and he immediately asked if it was me on the line. I asked who was calling and he said XXXX XXXX. I asked what the call was about and he said " The XXXX XXXX XXXX   Situation '' He asked to speak to my husband or Mr. XXXX. I told him I could not help as I was not in contact with Mr. XXXX and my husband was no longer a part of XXXX XXXX XXXX. He continued pressuring me, stating that my husband was liable for this debt, that there were " many angry brides lining up '', that " what we were doing was wrong '', and that we " better get this taken care of ''. I felt harassed because he kept pressuring me for answers which I did not have in regards to a debt which is not mine or my husbands but belongs to an XXXX, XXXX XXXX XXXX. XXXX XXXX also did not communicate who he was working for. I had to ask for the information specifically towards the end of the call at which time he admitted he was working for Rocky Mountain Credit, a debt collection agency out of XXXX, MT. 

On XX/XX/2020 he also contacted my husbands mother at her place of work, A direct violation of the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: WELLS FARGO & COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for a second Wells Fargo credit card. The application was denied because I did not have on-time payments with Wells Fargo, and the account was not " paid as agreed. '' This is not true. I was enrolled in XXXX related payment assistance, but did this to avoid interest accruing while I was unemployed. I still made payments every month to the account equal to or greater than my previous minimum payment. Additionally, according to XXXX  and XXXX, both of my Wells Fargo accounts are in the status " Paid_As_Agreed. ''

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 2021-01-29
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: Account status incorrect

Complaint:
XXXX promissory note validates account paid in full before XX/XX/2017 ( XXXX XXXX day late is impossible, though XXXX, Equifax, XXXX  misreport ). Documents validate account never late. Documents show account CLOSED in XXXX not XX/XX/2017 ; therefore, account could not be possibly closed in XXXX. XXXX, Equifax, XXXX  continue to inaccurately report for several years.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Collection company is attempting to collect on a debt that was removed from my credit profile previously and now they have replaced it back on my profile. I believe this is intentional to cause me catastrophic harm to my credit profile. Moreover, I never signed an agreement with this creditor at anytime for any reason.

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 2021-01-29
Company: Synovus Bank
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I had two late payment that reported on XX/XX/2020 for my First Progress accounts. The payment was about XXXX $ together. I want you to know that I understand, and have great respect for my financial obligations. Unfortunately, at the time of the incident mentioned above, I wasnt aware of the bill pay method with my bank, and with it being my first time ever using it. I did not realize I had to set it up electronically with my bank so my payment would process immediately. I paid the bill on the XX/XX/XXXX, but since I did not set it up electronically they mail out the check that did arrived after my payment date. I already handle the situation with the my personal bank by setting up my account for electronically for future payment. I reach out the first progress they told me its nothing they can do about the late payment posting to the credit bureau because its already posted but they could wave my late fees on the cards. I am trying to get a new car in this hurting my chances.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: EQUIFAX, 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:
Equifax currently reports inquiry XXXXXXXX card services on XX/XX/XXXX, XXXX inquiry is illegal and a violation of FCRA rules sec. 1681 : XXXX Card Services violates federal law ; reporting was unauthorized ; no credit or loan was awarded

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: HYUNDAI CAPITAL AMERICA
State: IL
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:
I financed a car through Kia Finance for a XXXX XXXX XXXX. The loan was paid off on XX/XX/XXXX. However, Kia Finance never released the lien on my title. I realized this in XXXX of XXXX when I went to sell my car ( we are having another baby and need more space ). I called Kia on XX/XX/XXXX to understand what had happened, and they told me they had never issued the lien release, and they submitted a request to their title department, and told me it should be released within 3 business days.

I called back the next week ( after 3 business days ), and was then told that it would take 10 business days as their title department was backed up. After 10 business days, I was told the lien release was still not processed. A second request was submitted on XX/XX/XXXX. I called again on XX/XX/XXXX, and neither request had been processed. I was told that an email was sent to escalate, and to call back in 5 business days. 

Today is XX/XX/XXXX - it's been 5 weeks since I initially raised this issue to Kia Finance, and it's been 11 months since my car loan was paid off. When I called customer service, they told me the release is not processed, and we'll just have to " wait and see '' when the title department is able to process it. No ETAs or further escalation was provided, despite speaking with a supervisor. 

At this point, I have no idea when or if the lien will be released by Kia Finance. They have an illegal lien on my car, and despite the problem being reported to them 5 weeks ago, and multiple follow-ups, and I am being given no ETA on resolution, nor further options by Kia Finance to resolve this issue. 

I would like help in resolving this matter. Furthermore, customer support has told me my situation is not unique. Not only do I want this matter resolved personally, but I would like Kia Finance to be accountable to fix this problem across the board. A car is often someone's largest asset - and to be holding it hostage because of a process breakdown and lack of appropriate escalation routes is completely unacceptable - and illegal.

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 2021-01-29
Company: LEXISNEXIS
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Investigation took more than 30 days

Complaint:
Lexis/Nexis issued an adverse action letter to XXXX XXXX who indicated that they could not offer me the lowest rates based on the letter. Not only is my credit impeccable, but I used to have a security clearance. I have tried for months to get a copy of the consumer report from LexisNexis to understand what information is in it. In my communications with the company there have been several inconsistencies. I noticed that there have been several similar complaints on the XXXX XXXX XXXX website. Is LexisNexis reputable..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29
Company: LD Holdings Group, LLC
State: NV
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:
Loan depot is consistently reporting 120 days late each month to XXXX XXXX and XXXX. I have not stopped paying them. The comapany has taken upon itself to stop with drawing the monthly payment from my account. I initially contacted them in XX/XX/XXXX and again on XX/XX/XXXX. I was told by their representive that they had changed over to a new electronic system and are having problems identifying my account. I am requesting that they amend all reports of late payments since XX/XX/XXXX. Not only is loan depot reporting fradulent information it has caused me from getting a home loan. 

I am requesting that CFPB help with this matter. As a home loan contingent upon resolving this problem. 

Thank you,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
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 credit card at my bank today XX/XX/19 and I was not approved because there is an account reflecting badly on my credit report. This account is not mine ' I did not open it and i have never given anyone permission to open this account on my behalf. I don't know who this account belongs to nor who could have stolen my personal information to open this account with my personal information but I have already filed a police report. I did not benefit anything such as goods, services or any other benefit from this account and I did not take part in any payments, purchases or any other transaction with this account. I also do not have any contract or relationship with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that TD AUTO FINANCE has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-07
Company: ENCORE CAPITAL GROUP 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:
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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:
CASE # XXXX Companies have return policies that they are required to follow just like I'm required to follow them if I want to return something to a company XXXX XXXX have return policies they have a XXXX XXXX guarantee policies this information is relatively easy to find you can contact XXXX you can contact any XXXX XXXX contact the one closest to you and ask them if they have a XXXX XXXX satisfaction guarantee and you will see that I am telling the truth so please explain to me how you've come to this conclusion how is it possible that a company can have an advertised guarantee an advertised return policy in whenever I want to enforce that policy that is publicly displayed my credit card company doesn't agree with me. I would request that the merchant provide proof that they did what they claim they expect me to provide proof well then why can't I expect them to provide proof them just saying they did something isn't proof I did not receive any compensation myself XXXX XXXX did not receive any compensation from this hotel You keep sending me form letters but you're not actually answering my question I'm not going to go away until you answer my question they have a satisfaction guarantee policy it's advertised on their own website in addition to that the hotel did nothing that they claimed they were going to do you're telling me that they told you that they we're giving me points I never received any of that why can't you show me proof? I don't think it's unreasonable for me to ask to see the proof what documentation do you have that proves that they are right and I am wrong?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
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 card had a {$10000.00} limit on it and I got an email yesterday telling me that because I was not using all of my credit they were reducing my limit to {$5000.00}. I was being penalized for using my credit responsibly! Additionally, by reducing my limit they caused my credit rating to take a hit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29
Company: Collection Bureau of America Ltd.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/2018 discovered an unknown collection acct on my credit from XXXX. Filed dispute. XX/XX/18 recieved collection notice from them in the amount of {$460.00} responded with notice on XX/XX/18 via fax. Further disputed alleged acct and requested specific records. 
XX/XX/18 XXXX responded with another letter they typed themselfs without supplying any proof from creditor. I have no contract, equipment nor do I owe any alleged amount as they claim. XXXX services will not speak to me. XX/XX/18 i sent XXXX another letter demanding removal of the inaccurate, unverifiable acct. Im incuring damages and drop in credit score. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
After reviewing my recent credit report, I notice several addresses that I'm not familiar with. I have no recollection of residing at any of the addresses provided below. This is actually my third attempt at trying to remove these addresses from my credit report.XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  , OH XXXX-XXXX, XXXX XXXX XXXX, XXXX  , OH XXXX-XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX   , OH XXXX-XXXX, XXXX XXXX XXXX, XXXX  , OH XXXX-XXXX, XXXX XXXX XXXX, XXXX  , OH XXXX-XXXX, XXXX XXXX XXXX   XXXX, XXXX  , OH XXXX-XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  , OH XXXX-XXXX, XXXX XXXX XXXX, XXXX  , OH XXXX-XXXX, XXXX XXXX XXXX, XXXX  , OH XXXX-XXXX, XXXX XXXX XXXX , XXXX  , OH XXXX-XXXX, XXXX XXXX XXXX , XXXX  , OH XXXX-XXXX, XXXX XXXX XXXX, XXXX  , OH XXXX-XXXX, XXXX XXXX XXXX XXXX, XXXX   , OH XXXX-XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  , OH XXXX-XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  , OH XXXX-XXXX, XXXX XXXX XXXX, XXXX , OH 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
Consumer complaint received 2021-01-29
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
A response, explanation, and answer should always be based upon the complaint issued. The Credit Reporting Agencies dont answer and then closes the complaints. What a slap in the face! I sent many attachments ( Form 14039 Fraud Affidavit, sheriff 's report plus information on the person responsible for theft, identity theft, forgery and false pretenses. ) The Credit Reporting Agencies states they will enter my dispute into their system and review all information and any additional documentation you provide to determine next steps. The Credit Reporting Agencies did not review the attachments and closed the complaints. The Credit Reporting Agencies have found a way to circumvent the intentions of our government and the CFPB. Perhaps this is why we talk with overseas third world countries when we call. The overseas people with language barriers are the ones answering the complaints with " form replies ''. The Credit Reporting Agencies are not American companies. They are concerned more about money than America. Where is my government? Washington has failed taking care of this country.

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 2021-01-29
Company: Bread Financial Holdings, Inc.
State: WA
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:
On my credit reports there is a closed account with huge amount of missed payments. COMENITY BANKXXXX Opened XXXX XXXX, 2019 Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA COMENITY BANK/XXXX  has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation