BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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 Capital One credit card in XX/XX/XXXX. 

I received a denial letter from Capital One shortly thereafter, with the reason listed as " insufficient duration of credit '' attributed to XXXX ( only ). 

I subsequently requested and reviewed my XXXX report, which accurately listed the fact that I have had a single credit card in good standing since XX/XX/XXXX. 

I followed Capital One 's procedure for dispute resolution and wrote a letter explaining that the XXXX   report accurately reflected my record, and I received a letter stating that the decision on my application was final. 

Since I did not understand why I was being turned down for credit - there was no specific explanation regarding what in the XXXX  report suggested that my credit was of " insufficient duration '', I filed a complaint with the CFPB ( XXXX ) in XX/XX/XXXX. 

I received a letter in response from Capital One on XX/XX/XXXX which stated the following : " I looked into this further for you and can confirm that the decline was correct. Please understand the decision was based on information in your credit file. '' The letter did not specify what information in my credit file was used to provide the rationale for the denial. The letter further stated : " If you have questions or concerns, please give me a call at XXXX, etc. I'm glad to help any way I can. '' I subsequently called this number a total of 5 times over the next 6 weeks. I learned the name of the specific agent who crafted this letter - XXXX - and was told by Capital One that she would call back within 24-48 hours ( each time ). She never called back. Today, after my 5th attempt at calling XXXX, I was informed ( by XXXX in the " excecutive office '' ) that XXXX considers this matter closed and will not be calling me back. 

I still have no idea why Capital One denied my application for credit ( other than a claim of " insufficient duration of credit '' unsubstantiated by the XXXX  report ), and while XXXX provided a written response to my first CFPB complaint in which she offers to " help in any way that ( she ) can '', she now refuses to return my calls or speak with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16
Company: U.S. BANCORP
State: AZ
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 had 2 credit cards with US Bank and they charged off. This summer ( 2020 ) I was able to settle these accounts and pay the agreed payoff terms. US Bank said they would report the XXXX balance to the credit bureaus but despite multiple calls from myself to fix the incorrect balance, they have not adjusted the reported balance. In fact, they have increased the amount owed! Again, I have called many times over the past few months and asked them to correct this error and they keep assuring me it will be done within 30 days. Meanwhile, my credit scores are plummeting every month as they continue to report a balance owed in addition to adding on to the balance reporting to the 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 2023-06-08
Company: EQUIFAX, INC.
State: NV
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-21
Company: Grant & Weber
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XXXX/XXXX/17 Grant & Weber XXXX XXXX threatened to damage my name and credit, then they falsely reported to the credit bureau damaging and attacking me and my wife 's credit even after I explain this was a derogatory account.

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 2018-10-01
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have been trying to add a bank account to pay my PayPal MasterCard bill for the past two weeks but continue to run into an error. When I call PayPal the queue is over two hours long and the PayPal MasterCard support is entirely useless and does not offer any assistance. This is unacceptable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27
Company: SYNCHRONY FINANCIAL
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have requested numerous times of verification of the amount of a debt SYNCB bank is reporting on my credit report. 

They said they sold the account and have not records to proved the amount or details of accounting of this debt. 

If they do not have any documentation contract, billing etc then they are in 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 2021-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
So i decided to look at my credit report because I'm looking to purchase a car, only to find all of these different items on my credit report. I'm super confused as to how those accounts are there, must be another 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 2017-12-17
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
received a collection letter from ic systems XXXX. called them immediately and advised them id theft from ex wife. person i spoke to gave me address and forms required to document the fraud which i sent XX/XX/17. i received a email XX/XX/17 from my credit card co. advising of XXXX XXXX decrease from XXXX which is for this debt. the amount is XXXX creditor XXXX XXXX XXXX XXXX XXXX XXXX ga. XXXX the debt collection agency ic systems XXXX XXXX XXXX mn. 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 2023-05-04
Company: Kriya Capital, LLC
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was alerted by XXXX credit agency that new activity appeared on my credit report. A account went into collections from credence resource management XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Tx, XXXX, XXXX, acct- XXXX, date opened,, XX/XX/XXXX, original creditor is Att for the amount of XXXX. I completed an online dispute XX/XX/XXXX, this is fraudulent activity, I did not open any accounts with anybody on XX/XX/XXXX, nor am I aware and have never recieved any correspondence from XXXX or this company about any past due monies owed by me. This activity appeared out of the blue on my credit report XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-02
Company: BARCLAYS BANK DELAWARE
State: VA
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
I received a letter from my credit card company ( Barclays ) advising me that my credit limit had been reduced based on a report from transunion. I contacted the cc company and advised them that I had never missed a payment or had any issues with this card and I do n't understand why my limit was decreased. I was told that XXXX sends recommendations to the cc company and the decisions are made by computers not by humans and that there was nothing that I could do about it. I am filing this complaint because this is abuse by the credit reporting agencies. This decrease resulted in the lowering of my credit score because my available credit was reduced. I think that the credit reporting agency and the cc company have harmed me. The information that was provided by the credit reporting company had nothing to do with my cc and were not a result of any transaction on my cc but yet my cc limit was decreased, which in turn caused a decrease in my credit score because of the reduction of available credit. This is a combined effort of the credit reporting agency and the cc company to hurt my credit score and I do not think that this is right or fair.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
I have tried to dispute and removed XXXX XXXX XXXX XXXX XXXX this has been on my report for 7 years & 2 mo I asked that it be removed immediately it shows that this account has been paid.

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 2018-05-24
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX American Express recevied the wrong payment amount of XXXX. I first contacted the bank and complained about this because the payment from the bank side was just pending. The bank said they wouldnt be able to do anything because the payment hadnt posted. I contacted American Express and notified them not to process the payment cancel the payment and they quickly processed the payment. Quicker than usual. Once the funds where taken from my bank account, I called American Express XX/XX/XXXX, and I was told by a representative ( XXXX ) that the check would be mailed the next day. Instead of mailing a check they have deducted funds from the balance so far a total of XXXX and still are holding on to my money. The account was not past due and a payment was not even required. They had already received a total of XXXX and where only owed XXXX to be exact but American Express was stealing money from me because they where taking payments from me but where not updating the balance. I have complained multiple times about this but have only received the runaround. So far I am owed XXXX American Express has also been taking payments but hasn't been updating credit card balance accordingly

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-06
Company: Exeter Finance Corp.
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 status incorrect

Complaint:
EXTER FINANCE LLC WAS PAID IN FULL IN THE AMOUNT OF {$24000.00} ACCT # XXXX DATE OPEN XX/XX/2014.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
The Status on these account were corrected, but the PAYMENT HISTORY was NOT!!! Please correct this payment history as it's incorrect. Please provide PHYSICAL Proof if you feel these account were late as they were not.

14 Accounts with the same account number : 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 2018-10-01
Company: Home Point Financial Corporation
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I authorized payment of {$580.00} to HomePoint Financial to cover an anticipated increase in the amount of my monthly escrow payment. 

XX/XX/XXXX - My usual monthly electronic mortgage payment of {$2300.00} was debited from my checking account. 

Starting in XX/XX/XXXX my monthly bills indicated that my account was in suspense. I contacted HomePoint on numerous occasions and after I had made 3 or 4 phone calls it was escalated to a manager in XX/XX/XXXX who told me that my account would be taken out of suspense and the derogatory credit reports that they had submitted to the credit bureau would be withdrawn withn 30 days. I have not been able to confirm this at this time, however. Additionally, in XX/XX/XXXX Homepoint withdrew TWO mortgage payments from my bank account instead of just a single one on the dates below. 

XX/XX/XXXX - {$2400.00} XX/XX/XXXX - {$2400.00} I contacted Homepoint on XX/XX/XXXX and escalated it to a supervisor named XXXX, who told me that he would have to research exactly why the extra payment was deducted and if I had not pre-authorized the payment, they would issue me a check by mail. After I spoke with him I contacted my bank and had them attempt to stop payment on the XX/XX/XXXX payment which they were successful in doing. On XX/XX/XXXX I called Homepoint and talked to a male who gave his name as XXXX (? ) and asked him to notify XXXX that my bank had issued a stop payment. Nevertheless, on XX/XX/XXXX I received a check for {$2400.00} because Homepoint was in error in deducting the 2nd payment, I am holding the check in lieu of instructions from XXXX. On XX/XX/XXXX I received a letter from Homepoint requiring that I resubmit the payment for {$2400.00}. On XXXX I contacted Homepoint and was told by the female representative that my account was in arears {$2400.00} and that the charge was being reversed and would be taken from my escrow account! At that point I asked to be transferred to XXXX but he did not answer, so I left my name and number on his voicemail to call me. 

I can provide all bills, bank statements, call times, and letters to document and support this complaint. I am a XXXX veteran and this is a VA loan on my primary residence. I need the help of the CFPB to stop the predatory lender practices that HomePoint Financial is carrying out against me because of their own error, by their own admission, and to restore my credit so that I am no longer financially harmed by their predatory actions. 

Thank you in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23
Company: Bread Financial Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Several times a day, I receive calls from an Unknown number. Each time, the caller leaves a different message but provides the same phone number. Im guessing that the calls are from XXXX XXXX. I informed them several months ago that I am in the process of consolidating my debts due to health issues keeping me from working. Ive asked that they stop calling me multiple times a day. The last voicemail message received, the woman said that she was an agent and that my case was placed on her desk to take legal action against me. That if I didnt call back immediately they would be handling my affairs for me. They did not inform me of which company or an account number. Just threatened me. You could hear it in the tone of voice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-05
Company: EQUIFAX, INC.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Equifax has been selling my information, which is not their place. They have also been able to furnish my credit score for me without my consent. They've assumed this responsibility. According to the congressional findings under law 15 USC 1681 ( a ) ( 3 ), congress made it clear that they assumed this role. I have never given them my permission or consent to do so. Also under 15 USC 1681 ( a ) ( 4 ), they did not exercise their grave responsibility, they were unfair, they were partial, and they have not respected my right to privacy. Again under 1681 ( b ) ( 2 ), I have never instructed them to furnish or create anything that is on my credit report. They have assumed control over my trust without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01
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:
Reporting on Experian & XXXX XXXX XX/XX/XXXX 30 day late For the last 15 yrs. I have made my payment via phone to XXXX Card. I do this because it is free, easy, and I have confirmation that my payment has been received. Just as I do every time with XXXX I called to their automated system to make a payment. However, on this particular-occasion XXXX interrupted the call with a live customer service person that wanted to sell me on a balance transfer. I respectfully declined and stated I wanted to just make a pmt. She replied that she would be happy to help me, so we moved forward with the process. Normally the automated system would prom me if I want to make the pmt. from an already existing checking account which is what I do every time. But because the customer service person was prompted this avenue wasnt available to me. Therefore, I had to recall my checking account number and give to her directly. Which is what I did and was given a confirmation number. 
In XX/XX/XXXX because I am an owner of mortgage company my warehouse banks pull my personal credit on a quarterly basis. One of my warehouse banks alerted me to the fact that XXXX reported me 30 days late on XX/XX/XXXX. I immediately called XXXX and apparently my recall of my checking account was missing the first 4 digits and the payment was never made. I went up the customer service channel and explained to them that I never been late on any account for the last 25 yrs. I also explained to them on what exactly had had happened and asked them why if I missed 4 digits would I then receive a pmt. confirmation number? They totally understood and stated they would give me a letter stating that I made the XX/XX/XXXX payment on time. Which is exactly what I uploaded to Experian in my prior dispute. Now that it has come to this I want proof from XXXX of my late. As I called in to make the payment on time and received confirmation of it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
Pursuant to 15 USC 1681 ( q ) ( 3 ) of the Fair Credit Reporting Act hereinafter FCRA, EXPERIAN used and intentional perversion of the truth to induce the consumer to be reliant upon it to deprive the consumer of it's right to privacy. EXPERIAN reported my private nonpublic and personal information to consumer reporting agencies without lawful authority or actual consent of the consumer thus committing identity theft. These fraudulent actions have caused me to sustain injuries such as a loss of opportunity and wages.

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 2022-04-09
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: Investigation took more than 30 days

Complaint:
Under FCRA 15 U.S. Code 1681s2 ( 3 ) you violated the law. I disputed these inaccurate items over 35 days ago and you havent notated is as disputed. You cause me to lose out on offers due to reporting this inaccurate item and not notating it was disputed.

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