BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-23
Company: Bread Financial 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:
XX/XX/2021 XXXX XXXX XXXX and XXXX XXXX XXXX Alliance Data XXXX Loyalty Circle CoXXXX, OH XXXX Re : XXXX/Comenity Credit Card Account # XXXX XXXX XXXX XXXX Dear Mr. XXXX, On or about XX/XX/2021, I received an alert about an account delinquency from my credit monitoring service. I was informed that my payment for my XXXX/Comenity credit card was missed and reported XXXX to XXXX days past due. This was the first notification I received and immediately paid the entire amount due and brought my account current. 

During these past months, our family has been impacted by COVID-19 both personally and financially. We've made every effort to stay current with our debt obligations and I have never been late with any payments as my credit reports show - in fact, I have never missed a payment in over 15 years. Regrettably, with all that is happening, I inadvertently failed to pay my XXXX/Comenity credit card by the due date, and made the payment after 30 days had elapsed. This was never my intention, but my mind was simply elsewhere with all the COVID-19 worries and stresses we've been recently dealing with. COVID-19 has brought our family too much agony and recent deaths.

Such reporting from XXXX/Comenity adversely impacted my credit rating and lowered my overall credit score in excess of 75 points. I have included copies of my credit reports from before and after the adverse reporting, which are dated XX/XX/2021 and XX/XX/2021, respectively. 

As we all know, creditors and credit lines are our financial lifelines and absolutely necessary during all phases in our lives, especially now with so many families falling on hard times. Unfortunately, the information reported by XXXX/Comenity has a significant impact on my opportunities to solicit new credit lines or take advantage of refinancing my mortgage at a lower interest rate. 

In light of the above, it is important that you know that I understand my financial obligations and responsibilities, and that I'm not trying to skip or ask for any debt forgiveness. I am simply asking that you please approve a onetime courtesy adjustment and delete/suppress the XXXX to XXXX days past due reported on my credit report. Your deletion/suppression will help me tremendously with restoring my credit worthiness and being able to secure new lines of credit. Thank you in advance for your understanding and consideration and am hopeful that you can assist with my request. 

Sincerely, XXXX XXXX ( P ) XXXX ( E ) XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: Experian Information Solutions 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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXXXXXX 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 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 XXXX 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 2022-03-18
Company: Genesis FS Card Services, Inc.
State: AZ
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:
CB Indigo/GF is reporting incorrect information on my credit repot. 
-Last reported date different with all 3 credit bureaus -Date last Active different with all 3 credit bureaus -Two year payment history information is different in all 3 credit bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09
Company: Debt Recovery Solutions, LLC
State: AZ
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 noticed 2 new accounts on my credit report that I didn't recognize for a company called Debt Recovery Solutions LLC. I contacted the company and asked them to please explain how these accounts were opened in my name and to please send me the necessary documents so that I may verify the debt. The man I spoke with said the account had my name, address, and SSN, but the birth date was not mine. I know for a fact that I did not open any accounts recently and that these accounts are not mine. Yhe man said he would send me the documents right away and they never came. I disputed the accounts with XXXX and there is an active investigation. I checked my report again yesterday and found the accounts still under investigation. I also found 7 additional accounts were opened on XX/XX/2018 with the same company : Debt Recovery Solutions LLC. A total of 9 fraudulent accounts were opened without my knowledge or consent and the company knows this was not me but they are doing nothing to stop the activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
It's been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts in 5 months nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting. I do not owe these accounts and never entered any agreements with these companies. FTC XXXX Filed, see attached.

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 2021-01-30
Company: ALLY FINANCIAL INC.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I paid the account as agreed upon I was instructed it will be updated on my credit file within 30 days as XXXX balance ... 3 months later & 2 credit dispute it's still showing a outstanding debt!!

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 2020-05-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The issue is with XXXX XXXX XXXX. They have been trying to collect a debt balance from the original creditor, Capital One Bank USA NA, amount owed {$1800.00}. 

The credit limit on this credit card account was {$500.00}. Capital One & XXXX XXXX has added over {$1300.00} of finance charges. Most recently I called XXXX XXXX on XX/XX/2020 to settle this account. They refuse to move from the balance owed. This is the same response I have been getting from Capital One & XXXX XXXX for over 3 years. 

Since they will not settle on a reasonable amount, I wish to have this completely removed from ALL credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
In accordance with the Fair Credit Report Act XXXX, Inquiry from XXXX XXXX XXXX XXXX XXXX on Date : XX/XX/, has violated my rights. 
15 U.S.C 1681 Section 602 A, States I have the right to privacy.

15 U.S.C 1681 Section 604 A, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

This inquiry from XXXX XXXX XXXX XXXX XXXXXXXX is fraudulent, because I did not authorize this company to pull my credit file.

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 2021-06-02
Company: CITIBANK, N.A.
State: TN
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:
After numerous disputes, Macy 's mailed me a letter dated XX/XX/XXXX, stating they will instruct all three credit bureaus to delete the reference account XXXX from all three credit reports. I have contacted since contacted Macy 's and opened numerous disputes, in which the account has not been deleted as of XX/XX/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 2019-11-14
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My first complaint filed was not resolved I have my complain to Mr. Cooper about my assumption rights-submitted documents they requested them saying didn't get a probate papers advised me to resubmitted the require document to start the assumption process Unlawful While I started assumption process over 6 months ago they still violating the regulation X and the Garn-St law my moving to sell the house even if Im going through the assumption process.

See, all attached.

Which clearly shows while on the same day Cooper Representative saying they are not in violation of the law they moving in court to schedule the sale of the property Case XXXX XXXX XXXX Circuit Court

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
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:
I have disputed debt collection from XXXX and XXXX. They did not have a proper license to even collect the debt. It was preventing me from qualifying for a new place since it was showing as an active collection. On XX/XX/23 I paid {$130.00} to have the debt removed so I can move. XXXX and XXXX reported the account as paid for removal. XXXX removed the account in XXXX around the XXXX. XXXX removed the collection account on XX/XX/23. Equifax is claiming they have not received this information despite XXXX and XXXX sending the updated information. I also provided Equifax with the paid receipt. I could not open a new dispute with Equifax to provide the actual letter that I received from XXXX and XXXX. I have made several calls to Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
In accordance with the Fair Credit Reporting act XXXX XXXX # XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated XXXX XXXX XXXX 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2020-05-31
Company: CAPITAL ONE 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:
There is a charge on my account that I am disputing. I did not make this purchase. The date of the purchase on my statement shows XX/XX/2019. The name of the Merchant on the statement shows XXXX XXXX XXXX and the amount of the charge is {$140.00}. As soon as I realized there was a charge on my credit card statement I contacted the credit card company and reported this charge as fraud. The credit card company said that they would investigate this charge. Later I was contacted by the credit card company and they said that indeed the charge was fraud and would remove it. Then after some time the credit card company sent me a letter saying that the charge was valid. I contacted the credit card company again and explained that this is fraud and I never made the charge. The credit card company said that they will investigate and contact me again. They never contacted me again. Now the credit card company is threatening to send me to collections over this charge that I never made.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: Bread Financial Holdings, Inc.
State: WA
Product: Credit card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2023, I initiated a transfer of the remaining balance of {$1200.00} from my Ultimate Card to my BECU credit card. 

Subsequently, I was informed that Comenity Bank had received the check, as confirmed by my BECU bank representative, who provided me with proof of the cleared check, indicating that it was indeed cashed by Comenity Bank. However, to my surprise and dismay, my Comenity Bank statement continued to reflect the check as returned, and I was subsequently charged a check return payment fee and an additional interest fee of which I had no prior knowledge.

Initially, I considered the possibility of an error on the check itself. Consequently, I promptly contacted my BECU bank representative, who diligently assisted me in verifying the status of the payment. The evidence provided clearly demonstrated that the check had been successfully cashed by Comenity Bank. Regrettably, despite the conclusive proof of payment, Comenity Bank has yet to reconcile the debt that I have already settled. Instead, I have continued to incur interest charges and fees, which persist to the present day.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: CBC Companies, Inc.
State: NY
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 have disputed these fraudulent accounts several times and it has not been resolved. I sent in an FTC ID Theft Affidavit and they still have not complied with the guidelines under the FCRA. I have attached the documents for review.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07
Company: BARCLAYS BANK DELAWARE
State: FL
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:
My credit card statement shows a charge of {$33.00} from XXXX on XX/XX/2021. The last time I rented a movie from XXXX was XX/XX/2021 for {$3.00}. I tried calling my credit card company. The customer rep refused to process my dispute, saying the charge is NOT fraudulent. I tried disputing the charge online and the submit button stayed gray and my dispute would not go through on the credit cards website.

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 2018-05-08
Company: HW Holding, Inc
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XX/XX/XXXX - I pull my consumer report and an eviction from XX/XX/XXXX is still present. I received a letter from the OCA which was handling the default judgment stating this would removed from my credit report within 90 days. That letter was dated XX/XX/XXXX. 

XX/XX/XXXX - I contacted the court handling the case and told them it was canceled by the OCA. I was told I had to take the letter to the apartment complex and ask them to vacate the judgment. 

XX/XX/XXXX - I went to the apartment complex to talk to them about this matter. I was told the letter was wrong, and that I owe {$4100.00}. I don't understand how the OCA could make such a mistake. 

XX/XX/XXXX - I apply for an apartment and I subsequently denied due to the eviction found by XXXX   tenant screening services. 

XX/XX/XXXX - I filed a dispute which included the attached documents. 

XX/XX/XXXX - I still have not heard about the dispute from XXXX.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-27
Company: HYUNDAI CAPITAL AMERICA
State: DC
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 have contacted Kia motor finance three times about getting the title for my XXXX Kia XXXX that I paid off in XX/XX/XXXX. Kia initially attempted to mail it to the XXXX DMV but it was returned to Kia by XXXX  due to an incorrect address. KIA has been in possession of my title since it was returned to them by XXXX  on XXXX XX/XX/XXXX. Each time I call to request it to be resent directly to me I am told they will submit the request to their title department and to call back in 5 business days. I have spoken to two supervisors and they also say that is all I can do. No one in their customer service department will assist further or connect me with someone who can help. I am at a loss as to what to do next. I need the title to be able to register my car in XXXX This is preventing me from being able to earn an income.

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 2020-05-31
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
XX/XX/XXXX and XX/XX/XXXX I asked the dealership not to run my credit multiple times for an auto loan. My request was disregarded.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31
Company: CAVALRY INVESTMENTS, LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The company Calvary port folio have my credit in collection and every month put interest I never Have credit with this company or other creditor they buy the account is fraud credit because Im in a XXXX  is imposible I can use my credit I trade to explain this company but they continue put me in collections an put interest please I need help I have prob Im in a XXXX  at the moment this credit is in my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31
Company: Experian Information Solutions Inc.
State: FL
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:
There is a charged off acct reported in my credit with XXXX XXXX and I have sent several certified mail investigation requests to Experian, XXXX, and XXXX and they ALWAYS come back stating that the information has been " verified ''. 
I have requested a " Method of Verification '' so they can verify the information on this XXXX  XXXX acct reported in my credit. These three credit bureaus have never provide the requested information : 1. Name and position of the person who verified the information. 
2. Number where they called to verified the information. 
3. Date and time when they called to verify the information. 
4. Supporting documents verifying the information. 

They also reporting this acct with a balance and this is wrong and illegal as the acct is already reported as charge off. 

Thanks in advanced for your help to resolve this matter and remove this acct from my credit 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