BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-04
Company: ENCORE CAPITAL GROUP 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:
Good Morning to whom it may concern I am writting regarding an Complaint that I have with XXXX and XXXX. The account in question is with the creditor XXXX XXXX amount number {$600.00}. They are trying to collect a debt from me that they purchased from XXXX XXXX XXXX, who charged off the debt and collected insurance on it. I have sent dispute letters to both bureaus, and to Midland and XXXX XXXX XXXX. The response from them came back as verified. So I sent debt validation letters requesting the " original instrument of indebtedness '' or any signatures of documents or voice recordings as proof. They were not able to furnish these request. The only thing that was sent was an account summary and amount in which they are collecting. I have attatched those 2 documents. The documents that were sent are no where near the proper ways to verify and since the 609 letters and debt validation clearly states this. To make matters even worse XXXX  has not been responding, that is a violation of my rights.They are forced to abide by the Fair Credit Reporting act and delete these adverse accounts. They are putting a strain on my credit and placing a burden on my life overall. Please delete these two accounts from my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Transunion and XXXX will not provide a report or show my scores. I have sent all the information they need and required to disclose my report. I have tried vigorously for months to try and get my report and scores with no luck. My accounts are not frozen and never I have I frozen 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 explanation
Consumer complaint received 2021-03-02
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: Investigation took more than 30 days

Complaint:
After sending Validation to debt letters to collections, Ive yet to receive info back with the 30 day period. Which by law states that my disputed collections are removed from credit report. Also atttached below is a police report and fraud identification report. I also have letters from identitytheft.gov asking for all items to be removed. Attached also will be my forms of identity and proof of residence.I will be mailing these exact letters to Transunion.

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 2019-04-04
Company: EQUIFAX, INC.
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 have reason to believe that my credit report has been affected by identity thieves. I have always maintained agood credit score and have never experience any problems obtaining credit until recently when I checked my credit report. There are few items reporting that belong to someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I made a promotional purchase for 24 month interest free. The purchase was on XX/XX/2016 for {$1300.00}. Every payment I made I would make sure it was applied to my promotional balance, as I was repeatedly emailed the answer that the promotional balance was paid first. Because of the interest not being charged if paid before the promotion expired. I have every bill from when this account was created and almost every payment was not applied towards the promotional balance. Over {$2100.00} of on time payments were not credited towards my promotional balance. Now I have a court summons, which I will answer with and submit all this evidence. There is also a letter from Citi Bank / Best Buy stating there was fraud on my account of over {$500.00}, that was never resolved. They transferred the account to a new card, and more charges were added on to the bill. With no reference of the charges. Now the amount owed reached over {$3000.00}. The customer service could not answer any questions about the balance or the payments. I believe this is very deceptive practice.

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 2018-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Good Morning to whom it may concern I am writting regarding an Complaint that I have with Transunion and XXXX. The account in question is XXXX/XXXX  Transunion high limit {$700.00} and XXXX  {$500.00}. I have disputed this account with both bureaus, the furnisher, and the collection agency. I recieved a letter stating that no other action of collection will be taken, and a request for deletion will be sent to the bureaus. But no such deletion has taken place. I have uploaded this same document as supporting detail. I ask that you please have these bureaus delete it off of my credit report as it is in violation of FCRA and the Fair Debt Collection Practing Act, and it is causing strain on my credit score and ability to have credit. Thank you for your time.

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 2019-05-29
Company: Bread Financial Holdings, Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had a XXXX XXXX store card thru Comenity. Earlier this year I paid off the balance. Just this past month they closed my account. They reason was initially for inactivity and then poor credit. They keep closing and/or lowering my credit limit which causes the score to go lower. I am also responsible for a low score. But all they are doing is making it worse.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Credit bureaus have not responded to my letter within 30 days in regards to inaccuracies on my credit report

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 2022-03-29
Company: EQUIFAX, INC.
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: Personal information incorrect

Complaint:
I have submitted multiple request to remove wrong addresses and still have not removed the inaccurate information on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: Reliant Capital Solutions, LLC
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I did not attend XXXX University, they did not return or refund of one or more Direct Loan Program or FFEL Program loans.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Personal information incorrect

Complaint:
I have submitted multiple request to remove wrong addresses and still have not removed the inaccurate information on my credit report

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 2021-03-02
Company: Netspend Corporation
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
In XXXX of XXXX I purchased a NetSpend card ( XXXX # XXXX ) to pay a bill online. I put {$360.00} on the card. Due to the fact that I had just gotten married and was in the process of changing my identification with the state of MN, I had not received my official driver 's license yet, they could not allow me to use my card online. For a " Financial Institution '' they can't use a state issued temporary card as proof of identification? That is untrue because my own bank uses it as identification. I ask Net Spend on XX/XX/XXXX to close the card and send me a check in the mail to refund my money. 
On XX/XX/XXXX I called NetSpend complaining that I had not received my check. They told me that check # XXXX was issued in the amount of {$360.00} to me on XX/XX/XXXX and was mailed to my address. I verified the address with them as well as the name they sent the check to. That information was correct so there was no reason I had not received my check yet. I asked on that day that they cancel the original check and reissue a new one. I was assured that a new check was being sent out that day. 
Today, XX/XX/XXXX, I called again complaining that I have not received my check yet. They said that a check issued in XXXX and I was to wait for that one. I told them that was unacceptable. He offered to reissue a new check, again. I said that was unacceptable because I was told last time that a check was issued and never got it. When I asked to speak with a supervisor he offered to put in a complaint for me. The person I was talking to didn't speak good English so I could hardly understand what he was doing. I asked to speak with a supervisor without being disconnected because that has happened plenty of times before. I asked them to reactivate the original card so that I could at least have access to the money. The supervisor, XXXX, informed me that their back office would have to investigate what happened to the check. I have to call back on Friday to see what their answer is.

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 2017-08-01
Company: Bread Financial Holdings, Inc.
State: VT
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Since XX/XX/XXXX, Comenity Bank has called me repeatedly (sometimes hourly) from the following phone numbers:

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

If I block one number, they call right back from another one. When I answer the phone,I ask for them to please contact me in writing. They hang up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
Credit bureaus failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX ( ORIG CREDITOR : 10 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 2020-08-26
Company: Caliber Home Loans, Inc.
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
THIS IS NOT A DUPLICATE I am going through a divorce and trying to refi my current home. While waiting for my divorce agreement, I made my XXXX payment to Caliber Home Loans. After a few days, I had noticed that the funds were not withdrawn from my account as they had always been in the past. I called a few day later only to be told that with the holiday ( XX/XX/XXXX ) and Covid, it could take up to 10 days to get the funds transferred. I was told to call back after that. I did. Worried about the transaction, I went ahead and made ANOTHER payment to my mortgage to make sure that the XXXX payment would NOT be counted against my credit. That 2nd payment was applied to my XXXX payment ( while leaving my XXXX payment still " unpaid ''. ) I then get a notification that my XXXX payment did not go through because I had changed bank accounts ( an old to new ) to take my soon to be ex wife off of the checking account. The bank, XXXX XXXX XXXX, mistakenly did NOT forward the mortgage payment over thus resulting to the " late payment ''. 
I AM INCLUDING THE EVIDENCE ( LETTER FROM MY BANK ) that was sent to Caliber, upon the request of " XXXX '' and " XXXX ''. Both stated that IF my bank ( XXXX XXXX XXXX ) would admit the error, that the blemish would be REMOVED from my credit report. 
I have tried to resolve this NUMEROUS TIMES and I keep getting one person after the other, at Caliber, who basically says, there's nothing they can do. 

I need help ... I did everything correct and I'm still being penalized. 

Sincerely XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On the XXXX of XX/XX/2021 I authorized the payment of XXXX usd to be taken out of my Capital One Checking Account to pay my Capital One credit card .On this same day of the authorized payment I made several transactions including atm withdrawals never once was any transaction declined approximately a week later I was informed by the bank that my credit card payment was not processed due to money not available it seems quite strange I made several transactions on the authorized payment date all approved not one transactions went into overdraft or declined I requested reversal of late fees due to there error and none processing of payment which caused the late fee I contacted Capital One and they refused to assist me in rectifying this error

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11
Company: EQUIFAX, INC.
State: WA
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 in disagreement with the items listed on my credit report as having late payments ... The credit bureaus refused to reverse the late payments..Not to mention they will not give me an explanation as to why they wont overturn or fix this inaccurate claim..It has greatly affected my credit score..I would like these items be fix on my credit report immediately.. XXXX XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On or before XX/XX/XXXX, I was contacted by a LOANCARE representative, who called to inform me that I was behind on my payments by {$140.00} dollars. 

I had previously paid {$2300.00} to cover two months of payments ( XX/XX/XXXX/XX/XX/XXXX ), and had intended to send an amount covering two payments, but for whatever reason, entered the wrong value. 

I provided the agent with my checking number and routing number for my XXXX XXXX XXXX Bank checking number, and the representative asked if I wanted to set up automatic payments for my account, or set up the payment for XXXX. I declined and stated I would set it up through my bank. 

On the XXXX of XXXX, the agreed upon amount of {$140.00} was drafted from my checking account. 

On the XXXX of XXXX my checking account was debited {$1200.00} by Loancare. 

This brought my XXXX account negative, I received a Non-sufficient Funds ( NSF ) fee of {$29.00} and the money was credited back to my account. 

XX/XX/XXXX On XX/XX/XXXX, the funds were redrafted as a 'second attempt ' and went through successfully as I had gotten paid by then. This new charge of {$1200.00} went through successfully. 

XXXX has provided me the trace number and customer ID for this transaction. 


XX/XX/XXXX On XX/XX/XXXX, a second charge of {$1200.00} was successfully drafted from my account by Loancare from my XXXX checking account. 

XXXX has provided me the trace number and customer ID for this transaction. 

This marked the third charge, and the second successful charge made by Loancare, without my consent, approval, or initiation. At this point I contacted XXXX and blocked all further charges made by Loancare for the amount of {$1200.00}. 


I first reached out to Loancare on XX/XX/XXXX via phone and email. 
I provided screen shots of my bank account when they were requested by a Loancare representative. I called weeks later to find out that these were not acceptable, and that I needed to provide more information. I gave the new representative the trace number for the first charge over the phone. 

In XX/XX/XXXX I attempted to make a payment to begin bringing the account to current, while continuing to try and resolve this issue, but at that time my payment was returned and when I called, I was told that no further payments would be accepted as it was being turned over to a law office as a foreclosure. 

My house is now endanger of being sold, and all I want to do is find the missing money and bring the account current.

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 2020-05-14
Company: EQUIFAX, INC.
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: Old information reappears or never goes away

Complaint:
The three major credit bureaus have old credit that have passed the statute of limitations and will not remove them

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Capital One purposefully held my account longer than 120 days before it was sold off. They kept my account and reported negatively for THREE YEARS before they charged it off. 

Generally its supposed to be 120 days. By delaying the charge off, they unnecessarily caused more damage to my credit than was necessary. On some level, it feels like it was personal. 

To wait that long, knowing I was fresh out of school. Knowing I was looking for work. Knowing I had difficulties and to pile on with a charge off and then sell the debt 3 years later to extend the damage they, and their business agent XXXX XXXX XXXX could do to my credit history. 

I am never, ever, going to pay 3 times to two different entities regarding the same transaction. 

There is no way this is okay. It feels like a Pre XXXX era attempt to get low income minorities to falter on their debts. A consistent issues with Capital One and other banking institutions. 

I am not going to pay Capital One for that card again. I already have another card. With them. The payment history is immaculate. 

XXXX XXXX XXXX should inspect each debt they acquire. Before committing fraudulent, or at least malicious actions, to ruin my credit and ruin my chance to get the most out of my XXXX XXXX. 

They should be ashamed of themselves for such sneaky and underhanded collection tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-04
Company: Ameritech Financial
State: NY
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
About a year ago I received a piece of mail from Ameritech financial about switching over my student loan repayments from XXXX, and that they would help lower my monthly payments based on how many people I lived with and if I made 50 payments on time they would forgive the remaining balance. They sent me a ton of forms to fill out and send back to them including forbearance, pay stubs, voided check, loan services statements, tax returns, etc. and told me they would be paying my loans going forward. The initial payment I made to them on XX/XX/17 was for XXXX. Every month following for the next 6 months I was charged XXXX. Ive paid them XXXX thus far. My student loan balance has not decreased. The interest has actually accrued from what it looks like on my statement. I had my balance down to around 30k and now its up to almost 40k. I had no idea and Im not really sure what to do about my loans now

Company response to consumer: Closed with explanation