BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-02
Company: EQUIFAX, INC.
State: LA
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:
The unverified account indicated below continues to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus on XX/XX/23, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against them if they do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX : {$2.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: Salary Finance 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: Account information incorrect

Complaint:
Salary Finance approved a loan of XXXX in XXXX of XXXX. Payments were made weekly and account was paid in full XXXX of XXXX Credit Bureaus report no payment since XXXX. Account was disputed through bureaus with proof of paid off statement from Salary Finance. Salary Finance claimed account balance was still at XXXX and last payment was XXXX of XXXX and my dispute was dismissed as they said it was being reported correctly.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13
Company: Dyck-O'Neal, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Hi I open account with XXXX XXXX in XXXX I had some damaged goods that came in in XXXX that I ordered the company said that they were going to take care of the balance which was XXXX XXXX now about a year ago or less dyke o Neil. Purchase the debt they have negatively impacted my credit by reporting miss information to my credit bureaus I have advised them that this was a clerical error on XXXX XXXX part I tried to call pXXXX XXXX   and resolve it with them they told me they sold off the debt so I called dyke o Neil back They told me I cant send them the damage merchandise which Ive had since XXXX and was told that they were going to issue a credit back in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
Company: Early Warning Services, LLC
State: GA
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:
Contributor : XXXX XXXX Contribution Ref # ending in : XXXX Incident Date : XX/XX/2017 Principal Loss : {$0.00} Contribution Reason : Checking Account Fraud The issue concerns the fact that XXXX bank has incorrectly classified my account as fraud. I have not committed fraud in any manner. I have not submitted bad checks or performed any other type of activity that would constitute checking account fraud. I have contacted the EWS agency and they have viewed the information. However, I have not received any response. The incident date is incorrect because the incident never occurred. 



Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: Conn's, Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I want to file this please as my formal complaint to CONN CREDIT CORP for allowing the fraudulent account on my credit report. I filed an FTC report with the identity theft report number XXXX. As I checked my credit report this fraudulent account is still reflected on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: PENTAGON FEDERAL CREDIT UNION
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 name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : PENTAGON FCU Inquiry : XXXX XXXX, 2021

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 2021-07-18
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
Well I been with Experian for over a year pay my utilities on time each month and there is no boost it's false advertising they are messing with people credit scores I pay electric, phone, internet, XXXX but it always says don't see utilities everyone I have talked to always have a different stories

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 2018-07-24
Company: Experian Information Solutions 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:
Just found out tonight that I have a social security variation on my Experian credit file. I called Experian and asked for the name of the creditor supplying the social security variation. They told me is was a debt collection company called XXXX XXXX XXXX. Id like to state I have the right to have correct and accurate information on all of my credit files. The social security number XXXX XXXX XXXX is using under my name puts me at risk for having my files mixed with this other person. They are blatantly ignoring the FCRA law. This social security number does not identity me on this account. I demand for XXXX XXXX XXXX to correctly update my personal identification number with all three credit bureaus or delete the account. The social security number XXXX XXXX XXXX is using in connection with this account does not identify me. They are reporting another individuals social security number under my name with all the credit reporting bureaus.

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 2018-07-24
Company: FACTUAL DATA CORP.
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: Account information incorrect

Complaint:
On XX/XX/XXXX XXXX XXXX XXXX XXXX -XXXX XXXX, Ohio XXXX made 12 inquires on my credit with 12 different financial institutions. XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. 

They also were suppose to pay my car off that I upgraded from XX/XX/XXXX XXXX XXXX. It says I have a balance of {$10000.00}. 

The large amount of inquires and the high balance affected my credit score a lot. I have attempted to contact the finance manager on the matter leaving voicemail stating these issues and NO reply back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I applied for an capital one credit card back in XX/XX/2023 but yet I never received it they needed even though I have XXXX issues no fraud alerts etc I still have not gotten my XXXX XXXX XXXX Capital one wanted copy of MY XXXX  DL for verification to remove account restriction and send me card

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2021-03-05
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received a mail from TD Bank of an account that was open that I have no knowledge about, I contacted them right away and was told that someone open this account in my name, they told me that they will take further action to prevent anything fraudulent on there end, and I will be getting emails from them in regard to this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-24
Company: TRUIST FINANCIAL CORPORATION
State: OR
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 are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX. XXXX, 2020, XXXX XXXX add a hard inquiry on my credit reports. 
On XXXX. XXXX, 2020, XXXX - XXXX XXXX add a hard inquiry on my credit reports. 
On XXXX XXXX, 2020 and XXXX. XXXX, 2020, SUNTRUST XXXX XXXX add a hard inquiry on my credit reports. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2023-01-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XXXX XXXX and XXXX XXXX, I was scammed into sending money through XXXX ( connected to my Bank of America account ) for fake products/ services through a girl I met on a dating app. It was obviously fake and they just took my money that I accidently sent through a link they provided. Two transactions of {$1300.00} and {$800.00} were sent to XXXX, their mobile number seems to be XXXX. 

On XXXX XXXX, another {$600.00} was sent to XXXX, I'm not sure if both these emails were linked to the same group of scammers but it was done through similar tactics. In total, I was scammed {$2700.00}. 

I filed to try and get my money back to Bank of AmericaXXXX XXXX XXXX XXXX department but they were unable to retrieve the funds and closed the case.

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 2018-12-24
Company: CL Holdings LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XX/XX/18 & XX/XX/18 both dates I received phone calls ( XX/XX/XXXX ) on my cell phone and ( XX/XX/XXXX ) on my home phone from XXXX XXXX XXXX asking for a person with the same name. Without verifying I am that person the party released they were collecting a debt and the company they were calling on behalf of, XXXX XXXX. Each time I confront about breaking the law about releasing that information their representatives hang up on me. My wife called back XX/XX/XXXX and spoke to a team leader named " XXXX XXXX '' confronting about releasing personal info related to said debt without verifying and the harassing calls by repeatedly hanging up and he as well released the info without verifying address or social security number. The request was submitted to cease communication from both numbers and they were notified a complaint would be made on the now three documented occasions of the release of private info.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have sent several letters to Experian to remove two debt collections off my credit report. I have also contacted the collection companies myself to verify the debt. I have not heard back from the debt collectors, and Experian has failed to properly verify my disputes. I have sent letters to the credit bureau to verify and validate these debts but the keep saying they're accurate or they will not re investigate because they have already investigated once before.

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 2020-09-11
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
i had my credit card payment from commenity bank with XXXX on auto pay. it was scheduled to auto draft on the XXXX of each month. upon reviewing my credit report, XX/XX/2017 through XX/XX/2017 show late payments, i always check to see the draft take place inside my bank account. it did at that each time. money said it was drafted each month. then i looked at report and it showed late payments. i called and battled with commenity bank every month and they said auto pay didn't draft and they failed to let me know each time! commenity bank said there is nothing they can do about it and are unwilling to take fault for auto pay not working correctly. i believe this is extremely unfair because it is damaging my credit report and im trying to purchase a home for my family. im unable because of these negative remarks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent a letters to the 3 Bureaus last XX/XX/2022 to delete the inaccurate and unverified account on my credit report until now they are not deleting the accounts that i listed on my letters it has been more than 30 days and it's a violation..

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 2019-09-13
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX sold my loan to SP Servicing in XX/XX/XXXX of this year. I received a loan modification in 2016 from XXXX XXXX XXXX due to a bad loan from XXXX XXXX XXXX. XXXX XXXX XXXX never FLAGGED MY ACCOUNT on none the Credit Bureaus as Modified Loan. But I NOTICED today once SPS finally began to report on my credit after waiting 3 months MY MORTGAGE ACCOUNT HAS BEEN FLAGGED AS A LOAN MODIFICATION. SPS did not do the modification they brought the loan. Further more without me or my husband even knowing now to report that way and bring down our Credit Score FLAGGING our Mortgage Account as a Modified Loan is totally unfair. We went thru that already years ago. To go thru it again with this company is totally unfair!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: AMERICAN HONDA FINANCE CORP
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
AMERICAN HONDA FINANCE CORPORATION XXXX XXXX XXXX XXXX, XXXX XXXX XXXX TO : HONDA XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was given false and deceptive information. 
( Violation of 1692e ) -False or misleading representations, 15 U.S.C . 1692e as I was told that a down payment of {$1200.00} was needed to drive off the lot. This was for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX  I really dont appreciate you pocketing my hard-earned money. The price of the car and all associated fees should have been totally covered within ONE TOTAL finance charge. The car was actually paid for in full, before the security interest was transferred to XXXX XXXX XXXX XXXX. Please send me the True Bill of Sale along with all disclosure statements according to GAAP regulations ( GENERAL ACCEPTED ACCOUNTING PRINCIPLES ) regarding this credit transaction XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) for my personal records. 

Pursuant to 15 U.S.C.1605 a finance charge is THE SUM of all charges ; therefore, I should have never been charged any additional fess outside of this. 

THIS NOTICE WAS SENT TWICE : CERTIFIED MAIL RECEIPT NUMBER XXXX CERTIFIED MAIL RECEIPT NUMBER XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was obligated to travel from my country XXXX to XXXX on XX/XX/18 because my Visa card was expired on XX/XX/18 I tried to request a new one by email but it was impossible the bank told me that I had to be in person. Since XX/XX/2018 I couldn't go online a see my account bank, because I needed a code to get access in a local number phone. So it was impossible to get information on my account. My identity was stolen The next day XX/XX/18 I went to to TD BANK where I had an checking account and I was informed that I have XXXX XXXX, from {$16000.00} balance on XX/XX/18 to XX/XX/18. 
TD BANK never contacted me to inform any irregularity, I came to USA for two weeks with my daughter and my grandgirl and this situation have been very disgusting because I do not have any money for spent these days. 
I made a police report and the complaint to the TD BANK but unfortunately I haven't received any answering positive, not have been investigator 's case assigned and my money charged back either. 
Please see the documents attached requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: CITIBANK, N.A.
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
on XXXX XXXX, I have a total amount of $ XXXXThe bank where I have the account prevents me from using it. They have frozen my funds

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 2020-11-28
Company: Conduent Incorporated
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
Its eppi card Pennsylvania. They suspended my card and spent hours, at least 6 to 7 hours trying to get a live person to talk to me. When I finally got to talk to someone, she told me my card was suspended because I used it at a XXXX XXXX restaurant and that was unusual spending, she then put me on hold to condiment fraud and they told me to email my state I.d and other information and I did 4 times and they still haven't helped me with my card. I called several times and they always give me the run around and hang up on me and tell me the same thing about emails and it will be fixed and nothing gets fixed. I had read several reviews online and it seems to be a scam this company is pulling on ppl and stealing there funds from the eppi cards. I need help getting my card unsuspended fast. This is my only income. And the ppl from eppi card and conduent are very rude when you finally do get to speak to them and hang up on you and just say the same thing with no help at all.

Company response to consumer: Closed with explanation