BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-22
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:
I have disputed the inaccurate reportings with XXXX, Experian, and XXXX  several times to no avail. The following addresses are incorrect and do not belong to me, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX and XXXX XXXX XXXX. I never paid the following accounts late, XXXX  XXXX : XXXX  is reporting a payment status of 30 days late, Experian and XXXX  are not reporting this account, XX/XX/XXXX XXXX : XXXX  is reporting a payment status of 30, 60, 90 and 120 days late, Experian and XXXX  are not reporting this account. XXXX : XXXX  is reporting a payment payment status of 120 days late, Experian is reporting a payment status of 30 and 60 days late, XXXX  is reporting a payments status of 30, 60, 90 and 120 days late. The following accounts do not belong to me and should be removed from my credit file, XXXX XXXX XXXX Account Number XXXX XXXX   is not reporting this account, Experian and XXXX  are reporting an opened date of XX/XX/XXXX, XXXX Account Number XXXX XXXX  and Experian are not reporting this account, XXXX  is reporting an opened date of XX/XX/XXXX, XXXX XXXX XXXX Account Number XXXX XXXX  is not reporting this account, Experian and XXXX  are reporting opened dates of XX/XX/XXXX. I have reached out to the credit bureaus to help me in getting this matter resolved. Is XXXX, Experian and XXXX  considered to be furnishers? These accounts either do not belong to me or were not paid late and XXXX, Experian and XXXX  have failed to plead their case to who has provided them with this false information. Please help me to get this matter resolved.

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 2023-03-07
Company: Bridgecrest Acceptance Corporation
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
When buying a car from XXXX they used a company called BridgeCrest for their financing. We had the car for a month but it was totaled in an accident on XX/XX/XXXX. Considering we had gap insurance, XXXX paid the loan total on XX/XX/XXXX and we were supposed to shop for a car within the month of the accident. Since then Bridgecrest has yet to report the loan as paid to the credit bureau and we are unable to apply for a new loan and another used car. leaving us completely in limbo waiting for an update. We call daily and their best advice is to keep calling until there is an update. it has now been over a month since our insurance company sent the check to them and we need to get this cleared so we can have a car again

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: Phoenix Financial Services LLC
State: CT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received mail on XX/XX/XXXX from a company called Phoenix Financial Services saying that I owe a debt from another company called XXXX XXXX XXXX XXXX in the amount of {$1300.00} at date of service in XX/XX/XXXX and that I paid off {$330.00} between then and now which I havent since I dont owe this company any money and that now I currently owe them {$970.00} but if I pay off my debt within 60 days I can pay a reduced amount of {$680.00}, I was given the option to dispute my claim with them but I dont want to send any personal information to a company I have no idea and believing is scamming me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14
Company: TRUIST FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX of 2020, while I was XXXX, I had set up an automatic payment for my credit card with Suntrust. It seems like it did not go through and for some reason, it now shows that I am delinquent 30 days. I made a payment to catch up, but it is still reporting to the credit agencies. Request this information be corrected on my credit report since I was XXXX and from looking at my report, I have no other delinquent payments through them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Earlier this year, Capital One and their lawyers XXXX, XXXX, XXXX  XXXX, XXXX filed a suit against a person at my address with the same name as me. 

I called them and we collectively concluded that the social security number and date of birth did not match. They said they would remove the case. 

This week, I received a subpoena stating that I had to pick a payment plan or I would be impressioned.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Consistent and ongoing problems with making monthly payments. My account number is frequently responded to as " invalid '' along with my phone number, both of which have remained unchanged during the nine years I've had my loan with this company. My attempts to resolve such issues require massive amounts of time that I can not spare on the telephone and are always temporary, as it is a recurring problem. Their files are slow to update payment information that I've made which has already been confirmed by my personal bank. The only payment option that doesn't add a $ XXXX/month 'fee ' is their AutoDraft option, which would require me to give them access to my bank account which I'm entirely uncomfortable doing, given their nine years of apathy, lack of customer service and administrative incompetence. They shouldn't be able to force me to add a {$10.00} fee to every payment. These same issues have to be resolved almost monthly with hours spent on the phone to get results. I've tried to communicate the problems to their customer service representatives, but with no resolution and they refuse to allow me to speak a supervisor or anyone else in a position of authority.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06
Company: Bread Financial Holdings, 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: Account status incorrect

Complaint:
I paid all the company I owed in the past and they are showing up still on my credit report as Charged off after I paid all of them. I wrote them and ask to remove them from my credit report and still got no answer from them or no action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: TRUIST FINANCIAL CORPORATION
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Last I tried to fix the problem, I was told someone had used My social security number to open and close a trust fund. Now banks will not work with Me. My identity is constantly stolen and data taken from places that got breached. XXXX XXXX most recently. I am going to be getting lifelock here this month and have tried several times to work with reporting Identity theft always ending in them not helping me and treating me like I am the one creating the issue. I need help. I just want to fix this issue so I can have the ability to bank again.

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 2018-05-10
Company: EQUIFAX, 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 fighting to two collections on my consumer report. Both are listed as XXXX XXXX XXXX problem we dont know what that information relates or who it relates too but we know its not us. This is being disputed at XXXX and XXXX and needs to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-26
Company: EQUIFAX, 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:
There are several accounts reporting on my credit file that does not belong to me Incorrect Personal Information : Name : XXXX XXXX XXXX XXXX XXXX Name : XXXX XXXX XXXX XXXX Equifax XXXX Name : XXXX XXXX XXXX XXXX Equifax XXXX Address : XXXX XXXX XXXX XXXX ( TU ) Address : XXXX Fall XXXX XXXX XXXX XXXX XXXX Address : XXXX Old XXXX XXXX XXXX Experian XXXX Address : XXXX Steam Engine Way XXXX ( Equifax XXXX Address : XXXX Saint XXXX XXXX XXXX XXXX The following accounts have incorrect late status reporting : XXXX XXXX - Date Opened : XX/XX/XXXX ; Bal : {$23000.00} XXXX XXXX ; Experian, Equifax XXXX XXXX XXXX - Date Opened : XX/XX/XXXX ; Bal : {$9800.00} ( TU ; Experian, Equifax XXXX XXXX - Date Opened : XX/XX/XXXX ; Bal : {$0.00} ( TU ) There are several items reporting that does not belong to me. These items are a result of identity theft : FIRST PREMIER - Date Open : XXXX ; Bal : {$450.00} ( TU, Experian XXXX Equifax XXXX XXXX - Date Open : XX/XX/XXXX ; Bal : {$910.00} ( Experian XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX ) - Date Open : XX/XX/XXXX ; Bal : {$910.00} ( TU ) XXXX ( XXXX XXXX XXXX ) - Date Open : XX/XX/XXXX ; Bal : {$1000.00} ( TU ) XXXX ( XXXX XXXX XXXX ) - Date Open : XX/XX/XXXX ; Bal : {$620.00} ( TU ) XXXX ( XXXX XXXX XXXX ) - Date Open : XX/XX/XXXX ; Bal : {$2400.00} ( TU ) VERICREDSOL - Santander Consumer XXXX - Date Open : XX/XX/XXXX ; Bal : {$9000.00} ( TU ) Eastern Account System - Gastroenterology Anesthesiologists XXXX - Date Open : XX/XX/XXXX ; Bal : {$270.00} ( Experian ) Midnight Velvet - Date Open : XX/XX/XXXX ; Bal : XXXX ( Experian XXXX Equifax XXXX The following Public Records are not my public records : XXXX XXXX Bankruptcy Dismissed - Date File : XX/XX/XXXX ( TU, Experian, Equifax XXXX XXXX XXXX Bankruptcy XXXX - Date File : XX/XX/XXXX ( TU, Experian, Equifax XXXX XXXX XXXX Bankruptcy Dismissed - Date File : XX/XX/XXXX ( TU, Experian, Equifax XXXX The following are unauthorized inquiries : Fifth Third JPMCB Card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Card

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: EQUIFAX, 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:
Unauthorized inquiries were discovered on my most recent credit report. I never gave these companies permission to access my credit report : this is identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Old information reappears or never goes away

Complaint:
I spoke with Capital One yesterday about an account that was opened in XXXX of XXXX and closed in XXXX. They continue to report late payments even though the card is paid in full and closed. 

This last time they reported 120 day late payments every month from XXXX. This is having a substantial and negative impact on my credit score. 

I have spent 3 years trying to resolve these issues. They continue to report as if my card were open and I am making late payments. 

I asked them to look into this account and why it is reporting late and they say the can not find the account and that there is nothing they can do. 

The told me that all I can do is dispute it with XXXX. 

I told them that they are reporting it to XXXX  so they need to fix the problem and stop reporting late payments. They refuse and they will not take responsibility for their problem and fix it. 

Please help me resolve this issue so Capital One doesn't continue to report late payments on an account that was paid in full and closed more than 10 years ago. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Dear Consumer Finance, This complaint is against US Bank. I have experienced tremendous pain and suffering due to this account.

Over a month ago I opened an online checking account with US Bank. I had an unauthorized transaction that took place causing m account to freeze. After numerous attempts of speaking with my supervisors, tellers, bank managers, and spent hours being directed to so many different departments. Not even a month I had unauthorized transaction and my account was closed. Even my account being closed and requesting funds to be given either at the branch or sent in the mail. Its been over a month I have waited to see my refund of about {$1100.00}. I take care of 2 Senior parents,  during that time I had experienced a loss, I suffer from XXXX   XXXX  and I even spent hours letting them know this caused health issues. Their response was they couldnt do anything. The efraud team treated me unfairly and discriminated me and also made assumptions. This company have caused sleepless nights, my health to be worse, and I cant believe they are doing this during COVID. 
This bank has contracted with XXXX XXXX to do Bank products and I happened to be a licensed XXXX XXXX agent team member. I find it so hard just my personal experience alone to see how unprofessional these employees such as supervisors, managers, tellers, horrible customer service, the worst. Misleading information and communication is not there. No assistance given. Still after visits to the branch, making customer service calls early in the morning and at night. Unbelievable and horrible work ethics. Unfair treatments. Banks like this caused my health to fail. If I dont die from COVID, the XXXX, XXXX  and XXXX  this has caused is unacceptable business and bank practice. No refund of my closed account and I was told to wait 90 days to stop a cashier check. No flexibility. No options.

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 2020-10-22
Company: EQUIFAX, 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: Account information incorrect

Complaint:
XXXX XXXX  and credit cards for military and veterans says i was late making payments. I was in XXXX. I had auotomatic payment and money was taken out of account. Right now they have said they are taking them iff but it has been a year. I am tired if companies that lie through there teeth. All is somebody needs to do is get credit report that shows not if paid or not but the credit reports that show money amount. I payed XXXX in XXXX and then they say i missed paymemt in XXXX. I havent missed a payment in 30 yearscwith any credit cards. Also XXXX  XXXX says in XXXX i was late ine day on the last 3 payments. I can rememner what happened like yesterday but it would take 2 pages. I had automatic payments with them too. Why would you pay paymentdms on timevfor 69 months then all of a sudden with no changes on life or job make paymebt late one day. I was in military and got paid on XXXX. The only thing that happens is there is 31 days in some months. I called them and asked why credit score webt down after i paid my car off with every payment in time. They are finance company and they made reason up why my score went down. It went down because i didnt have different credit types. They didnt know it and i took classes on credit. They made the late payments up because they dont give their own finance team credit reporting classes. 

I want legal dovumentstion from XXXX XXXX XXXX XXXX from FAIR CREDIT REPORTING AGENCY SECTION 604, 605, 609 AND 611. To show you that I didnt make payments late. I was in XXXX and thank XXXX i had automatic payments. These companies are triffling because i wrote bith of them and all 3 credit agencies for FCRA SEC 604 605 609 611. NOT ONE OF ALL THOSE SENT ME THE LEGAL  DOCUMENTATION SHOWING ME THAT THEY ARE CORRECT. I KNOW I AM CORRECT BUT IF YOU GET IN FIGHT WITH BIG COMPANIES THEY SEEM TO NEVER BECOME WRONG. BUT THEM NOT SENDING ME 604 605 609 and 611 they have to takev9ff credit reportvand they havent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
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: Account information incorrect

Complaint:
XXXX bank and credit cards for military and veterans says i was late making payments. I was in XXXX. I had auotomatic payment and money was taken out of account. Right now they have said they are taking them iff but it has been a year. I am tired if companies that lie through there teeth. All is somebody needs to do is get credit report that shows not if paid or not but the credit reports that show money amount. I payed XXXX in XXXX and then they say i missed paymemt in XXXX. I havent missed a payment in 30 yearscwith any credit cards. Also XXXX XXXXXXXX says in XXXX i was late ine day on the last 3 payments. I can rememner what happened like yesterday but it would take 2 pages. I had automatic payments with them too. Why would you pay paymentdms on timevfor 69 months then all of a sudden with no changes on life or job make paymebt late one day. I was in military and got paid on XXXX. The only thing that happens is there is 31 days in some months. I called them and asked why credit score webt down after i paid my car off with every payment in time. They are finance company and they made reason up why my score went down. It went down because i didnt have different credit types. They didnt know it and i took classes on credit. They made the late payments up because they dont give their own finance team credit reporting classes. 

I want legal dovumentstion from XXXX XXXX and bank from FAIR CREDIT REPORTING AGENCY SECTION 604, 605, 609 AND 611.  To show you that I didnt make payments late. I was in XXXX and thank XXXX i had automatic payments. These companies are triffling because i wrote bith of them and all 3 credit agencies for FCRA SEC 604 605 609 611. NOT ONE OF ALL THOSE SENT ME THE LEGAL  DOCUMENTATION SHOWING ME THAT THEY ARE CORRECT. I KNOW I AM CORRECT BUT IF YOU GET IN FIGHT WITH BIG COMPANIES THEY SEEM TO NEVER BECOME WRONG. BUT THEM NOT SENDING ME 604 605 609 and 611 they have to takev9ff credit reportvand they havent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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 Capital One # 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 consent.

15 U.S.C 166b : A creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

Account is 7 to 10 years old with a {$0.00} balance Please Delete

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: CITIBANK, N.A.
State: CA
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:
XX/XX/2020 Complaint to the Customer Protection Financial Bureau regarding CitiBank. 
While retired for 7 years, I was an executive in the financial service industry with a focus in internal audit and compliance. I find this story truly outrageous. 


SUMMARY A {$230.00} merchant transaction occurred in XX/XX/2020, and upon receipt of the product it was deemed not as described. The merchant was contacted the next day in writing and an auto response email promised to address the matter. This was followed by several more written communications to the merchant asking for assistance and resolution. The merchant did not respond to any of my communications or make any attempt to resolve the matter. 

The charge was then disputed with my credit card provider - CitiBank. CitiBank was provided with copies of all the failed merchant contact attempts. 

Ultimately, the merchant simply ignored the issue and falsely asserted to my credit card provider that they had zero contacts with the  customer ( me ). 

Eventually, CitiBank closed the dispute by stating we can not mandate that the merchant issue a credit outside their terms and conditions. However, neither the merchant or the credit card provider has communicated what terms or conditions were not met. 


DETAILED DESCRIPTION Read first the attachment titled " Complaint Detailed Description '' for dates and chronology The Complaint Detailed Description is fully supported and evidenced by the attachments A, B, C and D.

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