BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-08
Company: Thaxton Investment Corporation
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I got a loan from XXXX XXXX in XXXX XXXX tn on XX/XX/XXXX I have paid my payment every month and tried to make my payment on XX/XX/XXXX. They got my card information to get the XXXX payment but informed me that I had to pay XXXX I told them I did not have XXXX all I had was XXXX and I would pay the other XXXX in two weeks when I got paid again but I would pay the XXXX dollars that was due on my statement.they refused my payment and on XX/XX/XXXX told me that now I have to pay XXXX even though they refused to take my payment I told them to stop calling me since they refused payment and they told me they would keep calling me as much as they want until I pay XXXX.and there was nothing I could do about 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 2020-05-08
Company: Experian Information Solutions 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:
To Whom It May Concern : I have recently been informed that there is negative information reported in the files you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate entry listings.

XXXX XXXX XXXX {$240.00} XXXX XXXX XXXX {$690.00} XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX  {$3700.00} I challenge the accuracy, compliance and reportability of these listings.

There is no valid claim, no contracts exist ... accounts were settled with creditors and has been confirmed.I have never been late either. I am quite appalled and indignant. ( Debts can not be collected twice ).

Grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow As per FTC opinion letter from Attorney John F. LeFevre, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for

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 2020-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
ATTN Fraud Department : Remove fraudulent accounts from my credit report Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Fraudulent Closed Accounts : Name of Institution Account Number Date Opened XXXX XXXX XXXX XXXX   XXXXXXXXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX US DEPT OF ED/XXXX   XXXXXXXX XX/XX/XXXX Fraudulent Collection Accounts : Name of Institution Account Number Date Opened XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXXX XX/XX/XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXXXX XX/XX/XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXXXX XX/XX/XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXXX XX/XX/XXXX XXXX XXXX XXXX XXXXX XX/XX/XXXX XXXX XXXX XXXX XXXXX XX/XX/XXXX XXXX XXXX XXXX XXXXX XX/XX/XXXX Fraudulent Inquiries : Inquirer Name Inquiry date XXXX XX/XX/XXXX Fraudulent Addresses : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Please Remove and  block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information. 


Also, update the following accurate personal information to my credit report ; Accurate Personal Information : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, TX XXXX Employer ( s ) : XXXX XXXX XXXX Phone number : ( XXXX ) XXXX Enclosed are the following : FTC Report Number : A copy of my Identity Theft Report and proof of my identity. 

I appreciate your prompt attention to this matter and await your reply. 

Sincerely, 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 explanation
Consumer complaint received 2020-05-08
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
In XX/XX/16 there were a total of XXXX unauthorized transactions on my account. Two purchases totalling in {$570.00} and 5 atm withdrawals totalling in {$1100.00}. As I was away on a business trip, I called Citibank as soon as I return and made them aware of the unauthorized transactions they didn't process my claim separately I was returned the {$570.00} immediately however the {$1100.00} they refused to return to my account despite that fact that all these charges happen at the same time they chose to approve some and deny others, it's now been two months of me calling the bank providing police reports and speaking to agent however Citibank refuses to Simply look at their cameras at their own branches and see that I am not the one who made these purchases. Due to the ongoing pandemic I have been out of work for 2 months and now my account is in the negative because Citibank has taken away their temporary credit

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 2020-01-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
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:
Over the years trying to pay my credit card bill with Capital One has been a nightmare. Previously, i tried to make payments for which they said were return but my bank doesn't have a record of the ach transaction. Due to capital one stating they never got the payment i started using a debit card. I had trouble using my card on the website in XXXX and i received a late fee and i sent a payment in in XXXX due to my debit card being stolen and they said they didn't receive that. I can not remove the old card from there website and they said if i made a payment with them my debit card number would replace the old number and i could go ahead and pay the remainder of the bill. I went online the old card is still in there system and i can't remove or edit the account number. Capital one is forcing customers to keep account numbers on their profile. This account is no longer valid. I called in and spoke to XXXX who yelled and was not helpful and said the back office refused to review any calls pertaining to this matter. I would like all the fees associated with this issue to be credited back to the account so i can pay my bill off and not have an issue every month trying to pay this bill.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-07
Company: BBVA FINANCIAL CORPORATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
My bank BBVA charges a extended overdraft fee when the account is negative for a week I dont see any other bank doing this but BBVA I am pretty sure this is Reg E compliance

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: Select Management Resources, LLC
State: WV
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/XXXX, I secured a title loan through Anderson Financial Services , LLC, d/b/a LoanMax. Monthly payments of {$430.00} began on XX/XX/XXXX. Due to COVID-19, I was temporarily laid off on XX/XX/XXXX and for this reason, was unable to make my XX/XX/XXXX payment. I contacted LoanMax to apprise them of this situation and was told to let them know when unemployment started and I could make my payment. Imagine my surprise when I logged in to my account and found that I had over an additional {$500.00} added to my account! After making a call I found out that this was daily interest and late fees! I requested a detailed account statement and was advised that they " don't do this. '' I have also received a NOTICE OF DEFAULT & NOTICE OF LENDER 'S INTENT TO REPOSSESS ITS COLLATERAL letter from LoanMax. I understand that interest accrues when a payment is late, and under normal circumstances, this makes sense. However, mandatory business shutdowns during a nationwide pandemic, thus resulting in late payments, etc, is unusual to say the least. I don't feel exorbitant fees should be charged during this unprecedented time. LoanMax has been less than understanding and has refused to waive these fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 filed a dispute with transunion showing proof that I am making current payments on my account with XXXX XXXX and they refuse to update my credit report ... they claim that they investigated and that they found the information correct which it is not and by the way I paid XXXX dollars on this account my current balance should say XXXX but it says XXXX on transunion

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 2021-04-23
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had a Care Credit Card with Sychrony Bank. The company said they sent a letter on XX/XX/2021 after the XXXX XXXX XXXX set them my credit report to them. They said a number of reasons they closed my account. They say they sent me a letter o XX/XX/2021. That isnt enough time to do anything. I have not received a letter from them at all. Its fraudulent to get consumers credit reports and just closed accounts. A closed account on your credit report can greatly affect your credit.

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 2020-05-08
Company: Experian Information Solutions 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:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2020-02-07
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Equifax credit report agency had a major data breach in XXXX. My information was hacked. The company did not even notified me about the data breach settlement that just past on XX/XX/XXXX. Therefore, I did not apply. I did file for an extended claim. But still that does not solve the problem. I did not have any subscriptions or features that I purchased from Equifax, but the fact my name was on the list of data breach is a crime. My personal information like SS, address and etc should be protected at all times. Thank you for reading and helping.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
file ftc report on fraud account ftc report number XXXX sent to all three credit buearu they removed account from derogertory and placed it as closed but derogertory would like account removed and blocked company name XXXX XXXX DATE OPEN XX/XX/2015 AMOUNT THEY SAY I OWE {$420.00}

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 explanation
Consumer complaint received 2020-01-30
Company: Experian Information Solutions Inc.
State: MI
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:
Experian is reporting incorrect Student Loan Information for My Student Loan Accounts for XXXX and XXXX! They are reporting late payments for XXXX for XXXX and XX/XX/XXXX and a late Payment for XXXX for XXXX. I have disputed these with my borrowers and the have updated my loan information with all bureaus but Experian will not remove the incorrect information! The XXXX other credit bureaus have updated their information, but Experian has not, and when I Tried to dispute with them they said that because I disputed the information in the past they did not have to reinvestigate my claim!

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 2017-12-06
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: Account information incorrect

Complaint:
This is a student loan dating back to XX/XX/XXXX with problems associated with my loan balance, loan type and documents containing false signatures/initials. My student loan with XXXX XXXX was transferred multiple times and the balances, type of loan and contracts kept changing without my knowledge. I was notified, via telephone call from the XXXX XXXX servicing department in XX/XX/XXXX that my student loan was among the batch stolen by an employee ( s ). I filed a claim with the credit reporting agencies. In XX/XX/XXXX my student loan balance should have been under {$25000.00}. My monthly payments and yearly interest payments for the past 6 years was not listed referenced. And, my Grants used to help pay towards the loan was not recognized by the lender ( s ). I have been going back and forth with XXXX XXXX XXXX and XXXX XXXX XXXXXXXX XXXX XXXX to date. I received several threatening notices about attaching my wages, income taxes and liens so I borrowed against my life insurance policy and retirement account in order to make monthly payments while I further investigated this loan. After contacting various consumer and legal agencies within the last 2 years, I discovered my account had been violated, contracts altered and my protected status disregarded. I ceased making payments and requested a total refund. I filed a claim with the various credit reporting agencies in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. In XX/XX/XXXX I was able to reach a manager with XXXX XXXX XXXX who in turn informed me of attaching a Cease and Desist and returning my student loan to the original lender XXXX former name, XXXX XXXX to handle.

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 2021-02-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Portfolio recovery associates keeps calling me even though I have disputed the accounts several times for fraud. I was a victim of domestic XXXX and my ex spouse opened the accounts without my knowledge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-08
Company: Experian Information Solutions Inc.
State: CO
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:
Equifax, with my membership, provides me with pre-approved credit card offers to consider applying to. In XXXX of XXXX, they sent me a " pre approved '' offer for a XXXX card through XXXX XXXX XXXX. I applied, was approved for the credit card pending providing my bank account information. My e-mail message for this announcement was inadvertently deleted and a few months later, XXXX sent me another reminder to provide them with this information with a message that said " reach out to us again to re-apply '' as I had passed the 30 day timeframe to respond. Per advertising messages sent to me, from Experian, regarding this pre-approved offer, I applied a second time. The response from that application was " can not verify your identify '' I submitted the same information, my info had not changed yet they could not confirm my identify. A few months later, Experian again sent me another XXXX card advertisement saying this card was a match for me. I applied a third time and again, got the " can't verify your identity '' message. 

This resulted in XXXX XXXX XXXX XXXX hard inquiries on my credit report. The first in XX/XX/XXXX, second in XX/XX/XXXX, and the third in XX/XX/XXXX. 

Experian says " not our problem '' however, based upon Experian 's algorithm and advertising to me specifically for my XXXX XXXX, that is why I applied in the first place. They told me I was pre-approved, continued to push out information to me as a consumer indicating I should " try again '' and the result was three, hard inquiries on my credit report and no approved application due to " can't verify your identity '' Experian sends misleading promotional advertising to consumers leading them to believe they are " pre-approved '' when they may not be. They continue to encourage " trying again '' when based upon what XXXX XXXX said was " too many attempts '' a denial of their card. 

I want these three hard hits to my credit report removed immediately.

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 2020-02-07
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 filed a dispute with XXXX  because XXXX  reported my information as the responsibility for a patient that I am not legally responsible for per court order. I did not take this person to treatment. I provided the correct contact information for biological mother and father to XXXX and said that although they used my insurance, I am not financially responsible for anything insurance does not pay. The bio father paid on this debt his 50 % and gave billing info for the other 50 % to legal parent XXXX XXXX who also was the one who accepted financial responsibility at the doctor office. Ms. XXXX was also required to provide her own insurance per court order. When I tried to get this straightened out with XXXX, they laughed and said good luck getting this removed. I sent proof to Experian that this claim had been removed and had already gone through dispute after I did all the work. XXXX  removed this claim. Experian did not fully investigate that I had no contract, the balance was inaccurate and not billable due to insurance, and I am not legally responsible for any part of this childs medical bills as outlined in a court order with his biological parents. In addition all balances are due from XXXX XXXX and all I do was provided and removed accordingly from XXXX. It appears Experian did no such investigation and only did a debt validation where no case information was reviewed. This was not the dispute reason. This is due to inaccurate balances, incorrect and illegal reporting after being provided with legal owners of the account and failure to properly bill all insurance carriers.

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 2018-06-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I'm trying to sign up with XXXX XXXX ( XXXX XXXX XXXX ) on XX/XX/2018. 

I'm getting an error that Capital One is blocking external applications. Can't find a way to enable it.

Company response to consumer: Closed with explanation