BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-03
Company: Bread Financial Holdings, Inc.
State: CO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I had a Lane Bryant card issued by Comenity bank for quite a good amount of time, well due to inactivity they closed the account without notifying me before doing so. I was not aware that an account is closed for inactivity. Well anyway, I applied to have it re-opened resulting in a new inquiry, etc. I was given a card with a lessor balance, and made a minimal purchase to make sure the card had activity, so that the closure did not happen again as I was planning to purchase a new wardrobe for work. I made this purchase on XX/XX/2021 for {$10.00}. I was signed up for the web portal and paperless billing so I fully expected to see an email or statement come that payment was due, but I never received anything via email or via us postal mail, and I completely forgot about the small purchase I had made due to the craziness that was going on with being XXXX XXXX XXXX, and trying to keep income coming in and taking care of my child at the same time. It was 100 % an accident that this payment went late. I pulled my credit for receiving a pre-qualification for buying a home and saw a past due dink on my report from Lane Bryant... I immediately called and rectified the situation, paying the balance in full, and then they removed the late fee 's as they could see that the statements were not received or sent, I can not recall exactly what the representative on the phone said and mailed me a refund check. They explained that the representative could not remove the mark, but that I would need to send a letter and explaining what happened, and that I received a credit and asking to have the mark removed as a one time forgiveness as I had never had an issue making payment with my prior account, and due to the issues at the time. I did that and was denied, but wasn't given a reason other than the notation was accurate. I tried to dispute through the normal means with each of the 3 agencies and received the same result. I feel they are being petty over {$10.00} cents and that they need to also acknowledge that they did not get the bills to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-10
Company: Experian Information Solutions Inc.
State: TX
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : XXXXXXXX XXXX XXXX XXXX, 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2021-10-12
Company: CITIBANK, N.A.
State: TX
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 CIticard on XXXX XXXX. They could not verify some information so they did not approved me but called me from two different numbers with instructions to call them back. The first number they gave me was XXXX and they gave me access code end in XXXX. When I called back the automated system could not connect me to anyone despite waiting a long time and then told me no one was available and disconnected me. They called another time from a different number and also left a message for me to call XXXX with my application ID and a security code. When I tried to call them the recorded message said they could not approve me, which was why I was calling, told me they were sending a letter and then disconnected me. At no time on either call did I get the chance to speak with a human to clear up the issue. This is horrible customer service and may be a great reason not to use Citicard for anything in the future. However they have now put an inquiry on my credit which will reduce my score and the reason they couldn't approve me is because they are confused about something. Clearly confusion reigns supreme at Citicard! This was likely due to a recent move so they wanted to confirm my address but I can't do that unless I speak to someone! This company is misleading the public and has terrible customer service.

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 2021-09-27
Company: EQUIFAX, INC.
State: NC
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 XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. 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 : XXXXDate of inquiry XX/XX/2019 XXXXDate of inquiry XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
XXXX XXXX by XXXX  XXXX is not reporting accurately. XXXX XXXX fico score does not update. XXXX XXXX will not delete the XXXX  XXXX accounts that are closed instead XXXX XXXX is reporting on XXXX XXXX and XXXX XXXX XXXX closed XXXX  XXXX acconts as open. XXXX XXXX  will not delete duplicate accounts of XXXX XXXX XXXX XXXX does not report accurately on my credit profile to XXXX, XXXX and Equifax. XXXX XXXX only reports on my XXXX XXXX accounts. XXXX XXXX repair credit service does not do what it says it will do it appears to be bias to other accounts and does not consider accounts in good standing thus continuing to report on XXXX  XXXX closed accounts as open and curtails the score very low. Credit Score points never reaching ove XXXX points but decreases monthly due to closed accounts being open. 
The total amount of debt XXXX XXXX is reporting is inaccurate. The credit usage is inaccurate. 
The XXXX XXXX shows average on for accounts paid on time this is unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21
Company: SYNCHRONY FINANCIAL
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
Applied for line of credit with PayPal/Synchrony. Was denied because I " had a closed account. '' This is not a valid denial of credit and I would like further explanation into this denial. I also would like all hard inquiries removed from my reports.

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 2023-05-10
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:
In XXXX of 2022 I refinanced my house through XXXX. During this time the loan officer stated to not make a payment until the refinance is complete. I asked him to send me a e-mail so I had something in writing, and he did. I now see that my credit report is showing a late payment during the refinance period.

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 2020-12-03
Company: Flagstar Bank, N.A.
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Started a VA refinance with VA Rates on XX/XX/2020. Current loan with Flag Star  Bank. Each time a payoff was requested for the loan, our loan was put on hold. The payoff was good for 14 days. The new bank wanted to include the real estate tax in the loan, as this was a new build. Flagstar bank would not release any information. Pay off was requested 6 times, which I was charged {$30.00} each time. Our taxes were not paid on XX/XX/XXXX as I was told today loan was still on hold. I need to release the hold on the loan which no one informed me of this. Now I have to pay an additional {$45.00} on my taxes to be paid by XX/XX/XXXX. I have canceled the refinance and will be loosing our interest rate which was 3.75 % to 2.25 % more money.

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 2023-05-10
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: Their investigation did not fix an error on your report

Complaint:
Please see the attached FTC Report and XXXX data breach claim and remove the account XXXX XXXX  XXXX from my credit report 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 2018-03-08
Company: General Motors Financial Company, 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:
I looked at my report and saw inquiries that I did not do

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-20
Company: EQUIFAX, INC.
State: PA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX/XXXX  : # XXXX, XXXX XXXX : # XXXX, XXXX  XXXX : # XXXX, XXXX : # XXXX, XXXX  XXXX  : # XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
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: Was not notified of investigation status or results

Complaint:
I have told these people many times that they are reporting inaccurate information on my credit report. I have told them different laws that they are breaking and they still have not done a thorough investigation into this information. If this continues, I will seek monetary compensation for the pain and suffering that this is causing me as well as for every FCRA and FDCPA law that they are violating. Please remove this account completely from my consumer report immediately. XXXX has already removed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: WELLS FARGO & COMPANY
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: Investigation took more than 30 days

Complaint:
On XX/XX/2021, I received an email from Wells Fargo Bank N.A. with the subject line " Important XXXX XXXX XXXX XXXX  Credit Card Account Information ''. Attached in the email was Terms and Conditions for a line of credit. Immediately I called them to inform them I had not applied for credit with them, that the credit application was fraudulent, and that I wanted to make sure a line of credit had not been open with them in my name since I received an email with Terms and Conditions. 

After speaking with a customer service representative, they informed me they could not find an open account with my name and that they would investigate it and have the hard inquiry removed. It is now XX/XX/2021, more than 30 days ago, and the information is still on my credit report under Hard Inquiries. I was not notified about the investigation status. Their investigation did not fix the error on my credit report, and it has taken longer than 30 days. According to the FCRA, this is 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 explanation
Consumer complaint received 2019-06-08
Company: Navient Solutions, LLC.
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
To Whom It May Concern : ALL XXXX AND Navient Accounts are too old for reporting to the credit bureau 's and for collections, according to federal guidelines. The date of delinquency is incorrect ; no proof of payment made has ever been provided. The accounts were never paid on, before XXXX acquired them from Navient, and before Navient acquired them, when they were with previous owning companies. 

Please, remove these from my credit reports ; I have tried, and it's becoming a legal matter. 

Thank You for Your Time, XXXX XXXX XXXX XX/XX/1980 XXXX XXXX XXXX XXXX XXXX XXXX Lot XXXX XXXX , Texas XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: Winklevoss Exchange LLC
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I opened a Gemini account of XX/XX/11 depositing {$1000.00} into my wallet. The problem is that I have not been verified. I have sent the company 3-4 emails regarding my verification but have only gotten automated responses. 
After review of various forms some people have not been verified for months/years. After submitting a request to the CFPB they were verified same day.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
got this e-mail from Capitol one on XX/XX/22. 

" YOUR IMPROVED EXCLUSIVE OFFER : NOW YOU CAN EARN A LARGER CASH BONUS {$200.00} {$300.00} Your loyalty hasnt gone unnoticed, XXXX. 
XXXX added {$100.00} to your bonus offer. You can now earn a one-time {$300.00} cash bonus once you spend {$500.00} on purchases within 3 months from account opening. 
See application terms Click to get details " I was not really in need of a new credit card but I thought this offer was too good to pass up so I applied. My credit is excellent, my income is excellent, there was no need to get another CC but I liked this particular offer, especially the cash back part. I applied ; they did a credit check on me which immediately lowered my credit rating by XXXX points Capitol One declined my application for the original card that they were advertising and offered me a Credit card that did not include the bonus. To me this is a classic case of bait and switch.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: BARCLAYS BANK DELAWARE
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Hello I have an aviator master card financed through Barclays Bank. Through the app and website they included a feature call XXXX XXXX where it allows you to make payments over time for a low interest rate. The qualifications include any purchase over {$100.00} and to be in good standing with my card. Ive had this card since XXXX of 2017. I have always paid my bill on time or paid off the balance entirely. Ive never been late or missed a payment and they still have not given me the chance to enroll transactions into a payment plan. Every other credit card with different banks has provided me with this option but Barclays has not. Ive called several times and Im given the same generic answer. And I rebut with terms and conditions listed on their website. I want someone at Barclays to look into why the I have not been afforded the opportunity to enroll my eligible transactions into XXXX XXXX. Because why am I even a patron when my other cards offers me the option to set up payment plans to aid and assist me with paying my balance.

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 2019-06-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
the following accounts have been disputed on these dates for these reasons : XXXX-19, XXXX-19,XXXX-19,XXXX-19,XXXX-19, Incorrect balance, the date reported, and the account type are inaccurate. 

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 response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Back on XX/XX/XXXX, I had called XXXX to close out my account which was a Pre Paid Cell Phone. I told the customer service representative I no longer needed this account since I opened up another new account with XXXX XXXX XXXX and it did not make any sense to have two cell phones. She understood and had told me since it was a pre paid account, I was not on any contract and I just needed to pay the final billing which was for the phone. She told me my final billing was for {$200.00} and reassured me that would close my account. I paid that amount with the rep over the phone ( recorded phone call conversation per their end ) with my XXXX visa debit card in full. I attached my bank statement showing proof of payment on that day for your review. A month later I received another bill showing my account was still open. I called XXXX and they said they were going to research my account and never got back to me. A few weeks later, I went to the store in person and spoke with a manager. I explained the situation and showed him my proof of payment and previous statement. He told me he could no longer pull up my account in the system because it was closed. He then made an attempt to contact another Dept which took over an hour because he kept getting the run around. Again, he told me the same story that he will get back with me but never did. Now its reported on my credit report. Last Friday, XX/XX/XXXX, I disputed it with XXXX and it was investigated and removed but Transunion said they conducted their investigation and said it was accurate information therefore left it on my report. This is obviously not accurate information and should be removed immediately on my transunion report. Can you please help me resolve this issue? Thank you

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