BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-12
Company: Credit Plus Inc
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Inquires on credit report that doesnt belong by to me, was a victim of identity theft in the past.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2021, I wrote a letter to the XXXX XXXX XXXX asking them to provide proof ( showing something with my signature ) that I have an account with them. I never received a response. On XX/XX/2021, I sent TransUnion a letter disputing this matter stating that it has been well over 60 days with no response, along with the letter that I mailed to XXXX XXXX XXXX. I asked them to delete this negative inaccurate information and I have not received a response in this matter.

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 2021-09-10
Company: EQUIFAX, INC.
State: NY
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:
Hello, it has come to my knowledge that the information reporting on my credit is Noncompliant according to the Metro 2 Compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to metro 2 compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10
Company: Ad Astra Recovery Services 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: Investigation took more than 30 days

Complaint:
Reports Erroneous Information Current Creditor refuses to properly investigate and properly remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
My auto finance company which is Capital One Auto has me paying {$36000.00} as of today for {$15000.00} car Plus {$4000.00} which remains on a 12-month plan in which they are only giving me 8 months because of the maturity date of the loan because I've had the vehicle since XXXX it is now XXXX and I still have 8 months to pay and at that point I have to pay whatever cost that they're saying is a balloon payment I was targeted and mislead by Capital One stating that they were interested in lowering my interest rate because I was a good customer and unknowingly I agreed because they offered me a lower payment and they said that my credit was the reason why they were able to lower my interest rate but they never told me that they were extending my loan for an additional 2 years and that I would have to pay a balloon at the end of XXXX. I currently owe {$4300.00} on a vehicle that isn't worth XXXX and if I pay the XXXX Plus interest that would have me over {$40000.00} when the initial sticker was XXXX XXXX I paid on average {$480.00} monthly for 4 years at 21.9 % and was offerd 17.9 % at a monthly of XXXX for 3 years on a car i agreed to pay XXXX for i was lied to taken advantage of just because i had a poor credit score i understand its harder to be trusted but ive never defaulted and still trying to do the right thing while being completely being mistreated I feel as though be practices that they used to bait me into extending the terms is unacceptable please help thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
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:
Remove the attached XXXX XXXX credit pull from all three of my credit bureau reports. As you can see in the attached document, XXXX XXXX was not authorized to pull my credit.

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 2021-09-10
Company: Credit Karma, LLC
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Good morning, On XX/XX/XXXX Card Purchase / XXXX XXXX XXXX, XXXX, NY XXXX US {$510.00} was refunded. It was a good faith deposit for an apartment hold, which was released when I made 2 months payments to the actual landlord. The realty company returned the payment but CREDIT KARMA has not credited the returned funds to my account. 

Now, after an expensive move I have relied on those funds to get me through the week. The funds have not been added to my account. 

CREDIT KARMA responded yesterday stating it takes 3-5 business days for refunds to hit my account. It is now XX/XX/XXXX, several days after this window. 

Kindly contact CREDIT KARMA to release the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10
Company: Resurgent Capital Services L.P.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I've sent validation letters to the creditor asking them to please validate that this debt is mine, on XX/XX/2018. It is now XX/XX/2018 and I have yet to get a response or proper validation. I'm asking that this account be removed from my credit report immediately. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
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:
Remove the attached XXXX XXXX credit pull from all three of my credit bureau reports. As you can see in the attached document, XXXX XXXX was not authorized to pull my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-04
Company: EQUIFAX, INC.
State: NY
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:
I've been told by several financial institutes that my Equifax report is no longer existing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-05
Company: Collection Bureau of Fort Walton Beach, Inc
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
They keep calling my number for various people and each time I tell them no wrong number and then they will call back again for someone else.. Every AFTER I TOLD THEM WRONG NUMBER.. last time I got 2 calls in the same day within 20 minutes of each other, for the same person!

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 2019-04-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I have been with Capital One credit card company for almost 9 years. In the last 5 years, that's as far as my credit reports hows ( up until last month I have never been 30 days past due ). I have undergone health issues and my cards balance got high but I didn't miss a payment until XXXX and when I did my minimum due became over {$250.00}. My interest rate is well over 21 % and I begged them to help me because even if I made a payment it would only be going to interest. They refused. They reported me 30 days late. Then in XXXX my minimum due was {$500.00} & same thing they refused to help me with any relief. No matter what I sent them it would only be going to interest so they marked me 60 days late. I refuse to pay just interest and be marked late. I'm not late on any other of my cards they are killing my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23
Company: The Thomas Agency, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
The Thomas Agency ( Address : XXXX XXXX XXXX XXXX  XXXX, XXXX, ME XXXX & Phone : XXXX ) contacted me by phone in XX/XX/XXXX regarding a medical debt for a XXXX  XXXX in XX/XX/XXXX. I thought this debt was paid in full but it turned out I still owed a balance. Their representative claimed they had attempted to contact me by mail multiple times but I had never received a single letter. The representative I spoke with refused to put me on a payment plan, stating that since I had not responded to letters I had never received that I could not be trusted to make on time monthly payments. I asked if they would take a smaller amount for the time being until I could pay off more of the debt and the representative made fun of me stating, " That's it, that's all you can pay? '' At the time, I was only making $ XXXX/month. I told her that's all I could pay at the time and asked that if I made a good faith payment if they could not report it to my credit report. The representative laughed and stated that she could send the police to my house to have me arrested for what I owed. I hung up because I did not feel it was appropriate to be talked to this way. I called back and spoke with another woman who stated that The Thomas Agency had confused my address with someone else which explained why I did not receive any letters. I asked if I could be placed on a payment plan and she said that she didn't believe this would be a problem so she placed me on hold so she could speak to her manager. As it turned out, her manager was the woman I had hung up on. When I spoke with this woman again, she was even more cruel stating she would begin reporting my account to the credit bureaus.When I brought up what her employee had said, the woman said that she was stupid and didn't know anything. I later took out a student loan so I could cover the cost. I realize that I am reporting this late but whenever I check my credit report, I see this record and I remember what I went through. I was XXXX and XXXX after this incident and had a difficult time opening lines of credit after this incident. I felt like I had been punished unfairly and illegally.

Company response to consumer: Untimely response
Consumer complaint received 2019-04-10
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
We have made numerous attempts with Navient to set up affordable payment arrangements in XXXX that were all denied because the amount was not sufficient for them to accept and they were aware that the payments were unaffordable, was told that various items that we had by one of their agents were " luxury '' items ( such as a vehicle to get to work ). Account was sent to a collection agency, struggled to make {$250.00} a month payments which were supposed to help our credit, they were still reporting the loans as delinquent and not reporting the agreed upon amounts of the loans. Those payments were stopped after one year because they were, again, not affordable and were affecting our ability to pay our monthly rent payment. We were once again connected by yet another credit collection agency in XXXX and we advised them of the previous attempts with Navient to pay something toward the loans and nothing was ever received back from that agency nor Navient. 

Navient is reporting the loans as Closed and Charged off but still reporting them as being delinquent. If the loans are truly charged off, I would like them to stop being reported as delinquent and the amounts reduced to zero. We would be willing to make monthly payments, however, it would be an amount that we would feel comfortable in paying for a specific period of time and that Navient would need to report them as being current at the agreed upon amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23
Company: EQUIFAX, INC.
State: MI
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:
XXXX XXXX XXXX is reporting incorrect information on my Experian report. I made a payment of XXXX on XX/XX/2018 and a payment of XXXX on XX/XX/2018 which brought my account current. My due date is the XXXX of each month. On XX/XX/2018 XXXX XXXX XXXX reported me 60 days late but as of XX/XX/2018 my account was brought current with those two payments so why on XX/XX/2018 XXXX XXXX XXXX have reported me 60 days late. It should be showing current.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
I have complained to and sent information to XXXX XXXX XXXX services. They have reported my account ending in XXXX as being 30 days late in XX/XX/XXXX. I made 4 payments in XXXX XX/XX/XXXX for {$73.00} and XX/XX/XXXX for {$55.00} and then XX/XX/XXXX {$840.00} and XX/XX/XXXX {$720.00}. Both times they applied to the other account ending in XXXX. I called numerous times to have this corrected. The 2 payments on XX/XX/XXXX were finally after repeatedly calling over at ; east a 2 week period were finally credited corrected but the 2 payment on XX/XX/XXXX and XX/XX/XXXX wee never corrected and applied to the account ending in XXXX causing the account ending in XXXX to show 30-days late. I have called, faxed repeatedly XXXX XXXX and have disputed with the Credit Bureau to no avail. I want the negative 30-days removed from my account ending in XXXX removed. Both accounts have been closed.

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 2019-04-10
Company: EQUIFAX, INC.
State: TN
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:
I have been trying to fix my credit report for a while now. I believe I am a victim of identity theft. When my credit was pulled 2 years ago ( 2017 or so ) there was a lot of misinformation. The report actually showed that I was deceased. I am very much alive. So, I contacted XXXX and sent in my information by mail, and not only was my issue never resolved but no one ever contacted me. When I called in to check on the status of the credit report errors, I was informed that they hadn't received anything by mail. And so, I'm stuck with the same issue. My SSN is not recognized by XXXX, XXXX XXXX, or any of the credit bureaus. I can not check my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10
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: Information belongs to someone else

Complaint:
SHOWING INACCURATE INFORMATION THAT VIOLATES MY RIGHTS

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 2018-04-23
Company: HSBC NORTH AMERICA HOLDINGS INC.
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: Information belongs to someone else

Complaint:
I have tried to tell each credit bureau that my collections accounts are identity theft and fraud it has caused me alot of issues getting credit and nothing has been updated. I feel like i have been treated differently due to that incorrect information because the incorrect information that keeps being reported. I have filed claim with attorney general and fair act reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Bank of America - XXXX - is reporting a charged off account with a balance, but I didn't owe them anything because I paid them off back in 2017.. I never received anything from them since I paid them off. -- Then I find out that they charged an annual fee and I didn't know that they charged that and my account had been past due -because of their fee- when I finally found out the account was charged off already. I was transferred around and put on hold every time for 30 min. Nobody would help me try and fix the account. Nobody at Bank of America knows what they are doing. 
They had my address and information incorrect and thats why I never got a notice. But this debt is not valid and not mine. This account needs to be fixed because there is no way I am paying {$920.00} for nothing but their FEES!!! 
It was nothing I purchased. Nobody ever called me or anything to let me know my account was past due!

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 2019-04-10
Company: PNC Bank N.A.
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My client is trying to sell his home and is unable to do so because there was an equity loan on his home which was sold to several lender and none of them filed appropriate documents such as assignment of mortgage, power of attorney or servicing agreements. We are unable to close due to this and my client is going to lose his home in foreclosure. PNC took over National City.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-20
Company: BARCLAYS BANK DELAWARE
State: OH
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:
I am in the middle of transferring balances and consolidating bills. I requested a credit line increase to see if I could get more credit available in addition to the {$3000.00} I already had available. XXXX denied the request and in turn lowed my credit limit. I worked very hard to pay that card down and to use that credit again for balance transfer. This in turn hurt my credit because the credit utilization ratio increased from 30 % to almost 100 % literally over night. Because I am in the middle of balance transfers on other cards, my debt may look higher then normal. XXXX stated it was information from XXXX that they made that decision. XXXX has literally set back my progress to a XXXX or above credit score. I have NEVER missed a payment. I have NO Bankruptcies or major derogatory of any kind. I feel this is an unfair practice to allow a credit company mess with your credit utilization without have a valid reason to do so..like being over the limit or missing payments. XXXX customer service was of no service to me. Why are they punishing people that pay on 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 2021-09-10
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: Problem with personal statement of dispute

Complaint:
On XX/XX/2021 I spoke with XXXX XXXX regarding their unauthorized credit pulls on my account. They have yet to provide solid proof that I authorized this credit pull and have fraudulently created emails ( see attachments ) to appear as if they were transmitted by me, XXXX XXXX XXXX. Please remove all XXXX XXXX, XXXX, and or XXXX XXXX credit pulls from each credit bureau. If you can not remove the credit pulls, you are in essence committing fraud and will be prosecuted to the fullest extent of the law. 

XXXX XXXX on behalf of XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Illegally inquired on XX/XX/2021

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 2020-05-08
Company: CCS Financial Services, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I called Credit Collection Services a long time ago, at that time I was assured that the company policy is that if you pay an Insurance claim with them, in full they will delete it from my credit report. I was told it was company policy. I sent a letter to them reminding me of their promises that they made in accordance with their company policy. The account is still reporting on my credit. They lied to me to coerce me into paying a debt. Please make them keep their promises and delete this account from my credit immediately!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation