BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Problem with personal statement of dispute

Complaint:
This company would not accept my United States Military ID so I could prove who I am. Yet, they have closed and placed the account on my credit report. How can I not be who I am with Military ID yet I am who I am with no creditable ID? Either they acknowledge I am who I am through my Military ID or this account is not mine because they have no ID to prove it is mine. Company : XXXX XXXX XXXX  Address : XXXX XXXX XXXX, XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX Activity : Not more than 2 payments past due ( 2 ) Balance : {$4600.00}

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 non-monetary relief
Consumer complaint received 2017-09-19
Company: SYNCHRONY FINANCIAL
State: FL
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 was a victim of identity theft when XXXX issued a credit card in my name which was fraudulently acquired. XXXX discovered the error and contacted me. On XXXX XXXX, XXXX the credit bureaus were notified and credit monitoring put in place. While monitoring my account, XXXX notified me on XXXX/XXXX/XXXX that persons unknown to me had attempted to open up an account with Synchrony Bank, XXXX  XXXX, XXXX CREDIT ACCOUNT. 

They advised me to immediately notify Synchrony Bank 's fraud alert team which I did. 
I spoke with XXXX who gave me a reference number of # XXXX for further inquiries. 
I was also notified on that day that the fraudulent request for credited been denied and that an investigation had begun and that I would be notified by mail within 30 days. On XXXX/XXXX/XXXX they sent out a letter denying me credit after doing another hard inquiry which was also fraudulently initiated. 
I responded to them that they should not have been sending me a letter denying me credit because they had already been informed 4 days earlier of fraudulent activity attempted on my credit and that there was credit monitoring in place. After being given this information they in turn did another hard inquiry, I believe, in a greedy effort to open up as many credit cards as possible. 
I also asked them to remove these hard inquiries from my credit report because they were made as a result of fraud. The credit bureau had informed me that the company making the inquiry had to remove it. That has not been done. Neither has Synchrony Bank responded to my certified letter that I sent them on XXXX XXXX, XXXX asking them to rectify this matter. They made the error, especially after being notified of the situation on XXXX/XXXX/XXXX. Their response was to turn around and do another hard inquiry in hopes opening up new credit debt for me. 
All I want them to do is remove these hard inquiries from my credit report because I do n't want false information on my report that can affect my future credit needs and opportunities for up to three years. 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 non-monetary relief
Consumer complaint received 2023-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Report provided to employer without your written authorization

Complaint:
I tried to resolve these accounts and I asked for them to be removed but they keep raising the price up XXXX XXXX XXXX XXXX XXXXXXXX i dont know what that is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I dont even know this company XXXXXXXX XXXX XXXX XXXX In accordance with the fair credit reporting act

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 2021-06-04
Company: Bread Financial Holdings, Inc.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I entered a consumer credit transaction with COMENITY BANK and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that COMENITY BANK claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. COMENITY BANK has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-25
Company: CITIBANK, N.A.
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
In XX/XX/XXXX I opened my credit card app to make to make another payment on my account and noticed that citi bank had decreased my limit by {$14000.00}. They did this without warning and it only came after I had paid off my full balance with them. I called citi bank immediately and they said they they get regular reports from the credit bureaus and that the reason that my card balance decreased was because of the high limit on my other cards. Well Ive already paid all my other credit cards off as well. This is wrong and definitely unfair. I believe citi only decreased my limit because I had fully paid them off and they were no longer going to make money from me by having all the interest payments

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 2022-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 information incorrect

Complaint:
In accordance with the Fair Credit Reporting act. This list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Accounts as follows : 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 my rights. 
I have the following rights as a consumer : 15 U.S.C. 1681 Section 602A. I have the right to privacy 15 U.S.C. 1681 Section 604A Section 2 : A consumer agency can not furnish my account without my written instructions 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 that the information is inaccurate.

I have reviewed the information across all three credit bureaus and found numerous inaccuracies in my accounts across all three credit 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 2019-03-06
Company: MoneyLion Inc.
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
I borrowed XXXX in XX/XX/2016 my first payment was due XX/XX/XXXX I have made all my payments but one, I called them and set up a skip a payment. That was ok. I made 2more payments of XXXX and on XX/XX/XXXX I hit the pay off bottom and paid XXXX as the website /app instructed me to do. To my surprise the next day they said I missed a payment and charged me an additional XXXX this instantly sickened me. I called them spoke to a XXXX, he was rude he couldn't answer any of my questions he told me I missed a payment and I have to pay it. I ask him why it was more then the original payment, he said it was a late fee. XXXX that is an very large late fee. He couldn't explain why it was so large when the due date was on XX/XX/XXXX 2 days late. They are ripping me off! Moneylion still has not shown the pay off or any part of it on their app / website. I don't mind paying what I owe but I'm not going to be screwed like this. Please stay away from this place. 
I also ask XXXX why my interest rate was XXXX on day and XXXX the next, I checked it every day and it was different every day but never a small amount it was like XXXX increments. He couldn't tell me why. So I hit the pay off button and it was not good for them they wanted me to pay it off when it was at XXXX when I called them the week before.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Never been late. payment discrepancy. There's autopayment /reoccuring monthly. 
Therefore never been late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: Experian Information Solutions Inc.
State: SC
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:
On XX/XX/2020 I submitted a dispute letter to XX/XX/XXXX, XX/XX/XXXX, and Experian. about some inquires and personal information on my correct report and I haven't received an answer as it is not the XX/XX/2020.

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 2019-03-06
Company: ID Analytics, Inc.
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: Information belongs to someone else

Complaint:
My information had been breach in recent and pass data breaches, accounts, inquiries, collections and public records had been placed on my credit report. 
An FTC complaint has been filed with all this fraudulent items that do not belong to me, please remove all this items from my credit report. 
These event has prevented me from getting finance as well as a better jobt to better my life.

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 2023-03-21
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
To whom it may concern, I need your help, as I tried to do this on my own by contacting the companies that have my name and account number, which I have never applied for.

I am an identity theft victim and have tried to file an FTC report as well regarding this matter.I even filed a police report.

I have no idea whoever applied to any service under my name. I never shared my information with anybody either.

Is it possible to grab the contract that they claimed I applied for? Because I never did that.

Your help will be highly appreciated. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: CA
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:
This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : ONEMAIN Inquiry Date XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
On XX/XX/2020 I submitted a dispute letter to TransUnion, XXXX, and XXXX. about some inquires and personal information on my correct report and I haven't received an answer as it is not the XX/XX/2020.

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 2023-03-21
Company: HYUNDAI CAPITAL AMERICA
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I paid my Kia lease off early and they have been reporting me as charged off/judgment for 2 years.

I turned my XXXX XXXX lease in early XX/XX/XXXX the same day we bought my new XXXX XXXX. ( They documented my grounding receipt for XX/XX/XXXX ) The XXXX lease was scheduled to end XX/XX/XXXX. I made a final payment of {$1300.00} on XXXX, XXXX, XXXX to close out the lease thru XX/XX/XXXX. I was waiting for the final statement, taxes etc if any. I tried calling them 2 weeks later and they had no receipt of the car for months. XXXX XXXX XXXX lost the car. 
Finally in XXXX XXXX XXXX I received a letter stating I owed them taxes etc at {$840.00} and I paid that XX/XX/XXXX and received a paid in full letter. 
I only noticed this recently when I was refused a credit card offer and the explanation was due to a charge off on the account. When I called XXXX, the automated system stated I had just made a payment of {$840.00} on XX/XX/XXXX! My last payment to them was on XX/XX/XXXX. 
They are also reporting that I paid monthly from XXXX and made monthly payments. I did not as I paid upfront to end the lease on XX/XX/XXXX and was waiting for the final bill. They are not reporting me as paid early and paid in full. 
The grounding receipt is wrong as I grounded it the same day I bought the XXXX XX/XX/XXXX and NOT XX/XX/XXXX. 
This is costing me money because I can not refinance my home unless this is remedied, this is also causing me emotional stress as I have complained and called the company who does not care to remedy this..

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 2020-01-26
Company: ALLY FINANCIAL 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:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company 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 2018-02-10
Company: HEARTLAND PAYMENT SYSTEMS INC
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I graduated from XXXX in XX/XX/XXXX and have had the displeasure of having loans with XXXX XXXX. 

First, it is impossible to make any kind of instant one-time payment without incurring a fee for making an additional payment, regardless of payment format. You CAN send a check in, but that will not reflect the interest charged during transit and before review. 

So, if I want to pay off my loan early, I have to modify my recurring payment and wait until the auto-payment day comes. But heres where the real headache comes in. After spending 45 minutes on hold both on the phone and via their online chat, XXXX told me that they could not provide me with a full payoff amount. Thus, by the time my recurring loan payment goes through on, say, 15 days later, it will not be enough because of the 15 days of interest. But wait, theres more. XXXX will NOT let you set up a recurring payment for more than you owe on the day you set up the payment. 

What does this mean for me? On XX/XX/XXXX, I wanted to pay off my entire {$3500.00} loan, so I set up a recurring payment for the next available date ( XX/XX/XXXX ). I was only able to set it up for {$3500.00} because that was the amount I owed on XX/XX/XXXX. Of course, today, XX/XX/XXXX, the amount I now owe is about {$3500.00}. So now I owe {$50.00} which will continue to accumulate interest. I can keep my recurring payment of {$3500.00} set up, which will take care of that {$50.00}, but then I have to wait 6-8 weeks before XXXX cuts me a check for my {$3400.00} overpayment. Well thats not going to work, so I modify the auto payment once again for {$50.00}. Of course by the time the auto payment kicks in I really owe {$55.00}, so now I need to await for another auto payment ( and further accumulation or interest ) before the full amount is paid off. 

So, rather than pay off everything on XX/XX/XXXX, Im now forced to wait until sometime in XX/XX/XXXX just to pay off my XXXX loan. This is a terrible way to run a loan servicer and, frankly, I question whether it is legal to force borrowers to incur interest or a one-time-fee. It is literally impossible to avoid. 

All I want to do is pay off my loan. Right now. And I cant do that. This seems highly unethical. 

And to be clear, I am not the only one who has serious complaints about this company. Its online review pages are nearly unanimously terrible, and its public communication with borrowers is nonexistent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-10
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX, XXXX is attempting to collect a debt in the amount of XXXX without validation. I received a bill that I have no knowledge of. I believe this could be identity fraud. 

I decided to go and do research through the secretary of state ( Texas ) as of XX/XX/2018 ( XXXX XXXX ) XXXX XXXX does NOT have an " ACTIVE '' BOND to collect debt in the state of TEXAS. This is a huge violation. 

Section 392.101 of the Texas Finance Code prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I tried to open checking account online and wasnt able to do so so I called customer service and was transferred to fraud department. Representative said that determination had been made in 2010 that I was a security risk because I had transfers of XXXX. Asked if account was overdrawn or not in good standing when closed and said didnt show was overdrawn or not in good standing. I wasnt able to get more information or appeal. I havent had a bank account closed for overdraft or fraud and feel that a decision 10 years ago without a current review doesnt allow me to plead my case that I should be able to open the checking.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX is our mortgage servicer, but they have not been fair in regards to our mortgage situation. We struggled when my husband and I both lost our jobs a few years ago, but our income is back to where we can afford our mortgage payments. We suffered through a hurricane and were given a hurricane forbearance, but XXXX lied to us about the terms of the forbearance and now we are in jeopardy of losing our home through foreclosure. We tried to apply for mortgage assistance, but XXXX is refusing to help us and say we can not afford our payments, all due to their mistake regarding how they handled the hurricane forbearance. They advised in XXXX of 2017 that they would take the amount postponed due to the forbearance and put it into the back of the loan. However, when we contacted them after the six months, we were advised that the total amount due was the six months and our regular payment. We are extremely frustrated with their process and representatives and afraid that we will lose our home through foreclosure. Also, they apparently approved us for a repayment plan and it was supposed to be mailed to us, however, we only received a request for mortgage assistance package in the mail. The representatives we speak with do not have a grasp of what is going on with our file and we do not have a single point of contact to deal with on our mortgage. We are not confident they are properly servicing our loan and we would like for your agency to investigate what they are doing.

Company response to consumer: Closed with explanation