BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
Hi, On XX/XX/XXXX Capital One has cut my limit from {$5000.00} to {$1500.00} just because I started using the credit card again. 
Their justifications for their action on the letter that they sent me ( See attached ) does not make one bit of sense and I feel extremely insulted. I have/always had excellent credit. I never missed a payment on this or any other card/loan, I have ZERO derogatory marks on my credit report, my FICO credit score is XXXX and my utilization ratio has been less than five percent consistently over the past 7 years. Basically I have been one of the most creditworthy people in the entire country.

Because of my job I used to travel a lot and used my airline credit cards for mileage points but since the pandemic which I basically work from home via XXXX  I have no use for those flying points so I decided to use my Capital one card again for cash back but as soon as I did, Capital one has cut my limit significantly. 

If they point to the lack of usage, I say that the situation has been like this for quite a long time ( I have been with them for almost 7 years ). 
The truth is that the only justification is direct XXXX  on Capital One part. It obviously shows that Capital One Bank USA NA racially profiles its customers and puts them in different categories based on race.

I am a high income, extremely low risk customer but this horrendous treatment from Capital One unfortunately proves that there are other factors in play. 
I wholeheartedly demand that you take action against them because enough is enough with this systemic XXXX. 



Best Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have made attempts after attempts to get   XXXX   XXXX   and    XXXX   XXXX   XXXX   off my credit report. It make no sense I have sent proof and as a consumer my rights is taken away ... these buresu s should be ashamed for letting a company do this ... i have been challenged these inaccuracies for months even after I sent in proof nothing has happen.How can a person send in proof and they so nothing to an account..sad is what these companies is.Two companies can not collect on the same debt and I have sent proof many times.

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 2020-07-22
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:
i have been making regular payments since XXXX and even automated payments through their system and they are still reporting my payments late when they are not. I am part of a debt management plan. I requested XXXX XXXX to process my payments promptly or change my due date and they refuse to update 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 2020-07-07
Company: WELLS FARGO & COMPANY
State: AZ
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:
We have tried to contact Wells Fargo multiple times about the court case associated with my Fraud Claim. Nobody has called the court, and we just want someone to talk to.

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 2021-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Personal information incorrect

Complaint:
Hi I'm a lil bit stuck with this transunion report that I just looked at and I have been having some issues with a couple other aspects but im not gon na be getting into all that I need to change a address and my phone number it's not correct at all as a matter of fact I was never really even residing at that address is just a old boss man of mine and I guess he didnt want to find out were u was I don't know but its the wrong street address and the qrong telephone number.. As well I would like to get my correct info onto the report like right away as I was saying it is really causing a lot of life or death issues in my situation right now but pls return my complaint re to : XXXX Thank you sincerely.. 
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 2020-07-31
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Once again I am requesting Santander to provide me with a copy OF ALL DOCUMENTATION I signed when I bought the car. The request includes the CREDIT APPLICATION information used to approve the LOAN. 
The documents sent regarding the sale have only 5 pages. I need ALL PAPERS THAT I SIGNED! Especially the Credit Application. I tried to make this request over the phone with the attendant XXXX employee ID XXXX at XXXX XXXX IN XX/XX/2020, but he put me on hold and didn't answer my request. The call was recorded for 8 minutes and 57 seconds and ended by me for lack of communication. 
Remember that all my contacts are up to date on your system. Address, Telephone and E-MAIL, no customer service representative attempted to contact me as stated in the previous CFPB demand response. I would appreciate that if answer, replies would be send to my personal email. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
Company: Asset Management Outsourcing, Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
While in the process of buying a home, my loan application shows the amount of {$1200.00} owed to XXXX XXXX XXXX. I called and the representative could not locate my account using name, address, or ss #. I have never received any information from XXXX XXXX XXXX, nor do I have any unpaid medical bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26
Company: EQUIFAX, 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:
Please reverse the late payments reported on the following accounts : XXXX   XXXX and XXXX XXXX XXXX The accounts were never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: Experian Information Solutions 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:
Ive been going over my credit report and I saw some incorrect accounts that were on there.

I do not ever remember applying for credit with your company, so I would like to know what permissible business purpose you had for pulling my credit?

My credit score is really being affected and its getting in the way of my financial ventures because of this. I want to dispute these accounts until I get to the bottom of 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 2020-05-20
Company: Caliber Home Loans, Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/XXXX i received a letter from Caliber Home Loans that my application was declined for multiple issues none of which are correct or true. On top of it i never contacted Caliber for anything, let alone a mortgage refinance. They never got my acknowledgement or approval to pull my credit. My identity may be compromised because of this and they have not responded to my emails asking for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: EQUIFAX, INC.
State: CT
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:
My bankruptcy was dismissed by choice and judge. I didnt qualify. The case was dismissed in XXXX XXXX days after incomplete file. 


I didnt need to pursue this case why you sought dismissal. And addition the Judge the case was thrown out. 

I soon recovered and paid all necessary items to current. 

I m Request to have the credit bureaus to remove the bankruptcy from my credit report. 
It was dismissal meaning that the bankruptcy never occurred. 

This is effecting my life and credit. I requested to have item deleted and was unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: ERC
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:
XXXX XXXX XXXX Balance Owed : {$0.00} ERC XXXXXXXX Balance Owed : {$510.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
Company: FACTUAL DATA CORP.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I noticed an inquiry from Factual Data that I do not recognize or approved. This inquiry is from XX/XX/2017 and the only contact details I see listed for Factual Data is XXXX, PAXXXX so I wasn't able to contact them about this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
Company: Experian Information Solutions Inc.
State: MD
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:
Account was paid in full. It was not settled.

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 2022-08-05
Company: EQUIFAX, INC.
State: NV
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:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. 
Failure to do so is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: EQUIFAX, INC.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-26
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: Information belongs to someone else

Complaint:
I AM LOOKING FOR HELP GETTING THESE FRAUDULENT ACCOUNTS REMODVE. I AM HOPING I AM CONTACTING THE RIGHT COMPANY, BUT I AM A VICTI OF IDENTITY THEFT. SOMEONE HAS STOLEN MY IDENTITIY AND OPENED UP FRAUDULENT ACCOUNTS IN MY NAME. THE ACCOUNTS ARE HAUNTING ME, I HAVE BEEN TRYING TO FIND THE RIGHT REMEDY TO GET THESE ACCOUNTS REMOVED.

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 2020-12-08
Company: Bread Financial Holdings, Inc.
State: MN
Product: Credit card or prepaid card
Sub-product: Store credit 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:
On XX/XX/2020 I bought 4 bras under a buy one get one free promotion. I received a total of 8 bras eventually. However, only 3 of these 8 bras were the style I ordered. I decided to return the 5 bras that were not the style I wanted or ordered. The order for the 3 bras was {$40.00}, {$40.00} and {$28.00} for a total of {$100.00}. 

I have been paying {$35.00} on the bill since XX/XX/2020 XXXX for 4 months ) 4x {$35.00} = {$140.00}.

Comenity, however, claims I still owe them {$69.00}. According to them, they gave me a {$36.00} credit on XX/XX/2020, but this does not correspond with the original order. Then on XX/XX/2020 they charged me a late fee of {$35.00}. I asked them to remove this late fee. 

This does not make sense. I have three bras, one should have been free, and I should have been only charged for 2 at the price of {$40.00} each for a total of {$81.00}. Instead, I've been paying {$35.00} a month for the last 4 months which totals {$140.00}, and they are still claiming I owe them {$69.00}.

They owe me {$58.00} and my other free bra per the promotion. 

When I talked with Customer service many times, they said I sent in all 5 bras have been accounted. 

Comenity is over charging me, and I don't understand why. 

My frequent communications with XXXX/Comenity have not resolved this issue. 

I'm attaching 3 documents 1 ) original credit card order 2 ) my first letter to XXXX 's 3 ) XXXX 's response

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08
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: 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 2019-05-30
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Formally requested via phone on XX/XX/2019 at XXXX for contact to stop, as I have no debts in collection at this time. Have been receiving harassing phone calls daily from several numbers attached to XXXX XXXX XXXX for the past week. 

XXXX and XXXX are the most recent numbers. After blocking the XXXX number, they now call daily from the XXXX number. 

I have no debts in collection and they try to elicit money from me daily.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On Tuesday XXXX XXXX, 2016 I lost my debit card shortly after leaving the bank. It took a couple days for me to realize my debit card was missing and when I called the bank the following Thursday or Friday to report my card missing I was informed that over {$1800.00} had been fraudulently charged to my account. At first the funds were credited to my account but then about 2 weeks later I recieve notification that the charges were not made in error and that I was responsible. Then the bank reversed the funds out of my account and left my account balance in the negative. I filed an appeal to their decision and did everything they instructed me to do and they still refused to cover my fraud claim even though their policy is 100 % Fraud Protection. When I refused to pay the negative balance now owed to my account as a result of this injustice, the bank went ahead and filed a negative report on my credit with XXXX XXXX. I found this out today when I was applying for a business account at another bank and was DENIED due to this erronious reporting. First they promise total fraud protection, then they break promise and take my money, and now they attempt to ruin my otherwise perfect credit. I 've accepted my fate and ignored the fact they STOLE over {$1800.00} from me but now reporting negatively on my good credit is where I draw the line.

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 2019-07-26
Company: Experian Information Solutions Inc.
State: MO
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:
XXXX XXXX XXXX XXXX XXXX. XXXX. XXXX. XXXX. XXXX XXXX. XXXX. XXXX. Mo. XXXX. My. Compliant is. lack of consideration of positive. accounts not being reported on my credit report. Also. Experian credit bureaus is conducting a promotional program called Experian/Boost youre score which 4 of my associates have tried 8 times and failed to. accomplish. The program is fruad and designed to gain customers for there Credit. Repair Program

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 2020-08-31
Company: ALLY FINANCIAL INC.
State: FL
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:
Good Afternoon, I financed a XXXX XXXX XXXX thru XXXX which was then transferred to Ally Bank. The car was titled in Maryland, the VIN number is XXXX. The car and loan were included in a XXXX bankruptcy. After filing the bankruptcy, I was contacted by Ally bank and asked if Id like to keep the car. They offered to reaffirm a new loan balance with a new affordable payment. I accepted and paid the entire re-affirmed amount on time and in full. It has been five years since the loan has been paid in full. I actually purchased a new vehicle and also financed with Ally and paid that loan in full as well. I have been attempting to get the lien release from Ally with no success. I was transferred from one department to the next with no success. Every time I call I am told something different. In trying to escalate my request I finally talked to a manager who told me that the lien release was being mailed to me and that I would receive it in 7 to 10 days. I waited a month before calling back again. I have been going back and forth with them for almost a year now. I am now being told that there is an outstanding balance that was not reaffirmed that needs to be paid. They are telling me that I am not responsible for the balance and that they are not attempting to collect it, but that they dont have to release the title. I paid the reaffirmed amount in full and they acknowledge that. The lien should be released as I have paid the reaffirmed amount in full. Without the clear title I can not dispose of the car. It wasnt until I was attempting to trade the car in at a dealer that I realized I did not have the lien release. I dont know what I am supposed to do with the car now. I paid the amount in full that was asked of me when I reaffirmed with Ally. They said legally Im not responsible for paying it and they are not attempting to collect it yet they wont provide me with the release unless I pay it. The case number that Ally has assigned to this problem is XXXX. Additionally Ally can be reached at XXXX option 4. Thank you in advance for helping me to resolve this issue.

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