BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-12
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Im used to receiving emails when my payment is due. But this specific type of credit card didnt send emails. I bought a pair of socks for {$43.00} and even though I had the money to pay it off, I forgot about it and then ended up having to pay {$72.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16
Company: Self Lender 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 status incorrect

Complaint:
Since XX/XX/2019 Selflender has been continually reporting to XXXX that my closed account is open an negligent. I have spoken with representatives several times since XXXX including XX/XX/XXXXXX/XX/XXXX,XX/XX/19,XX/XX/19,XX/XX/19. They have refused to contact XXXX  to fix their reporting issues.  Yet, I as the consumer has to suffer and have my credit score dropped monthly for incorrect reporting on their end.  I have spoke to XXXX  on XX/XX/XXXX for an hour and they too have informed me of exact details of Selflender incorrectly reporting to XXXX. Selflender is continuing to not return calls or tell me someone will call me in a day and I never receive a call. I'm stressed and have suffered tremendously from this one situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
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:
You are in Direct Violation of The Fair Credit Reporting XXXX  balance of {$230.00} XXXX XXXX balance of {$1000.00} has violated several of my rights. 


15 U.S.C 1681 Section 602 A Clearly states that 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

XXXX Late payments XXXX ( XXXX ), XXXX ( XXXX ), XXXX ( XXXX ) XXXX XXXX Late payments XXXX ( XXXX ), XXXX ( XXXX ), XXXX ( XXXX ), XXXX ( XXXX ) Remove these late payments and update this account immediately you are in direct violation of several laws under The Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-03
Company: Albert Corporation
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
I applied for a loan to help me get by on a tough month. I wanted {$50.00} and got it. When I was done and thought the loan was repaid I tried closing the account and it said I had money transferring. Not only did they give me a second loan without my knowledge but they took money from my bank account and put it in a savings account I wasn't able to access. It took more than 2 weeks for the transaction to clear. I didn't find out I had the extra money until it was too late. I never initiated the loan, I never wanted the second loan.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My credit report is showing late payments to XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditors customer service representative.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-10
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$4100.00} ; XXXX XXXXXXXX Balance : {$7900.00} ; XXXX XXXX XXXXXXXX Balance : {$7700.00} ; XXXX  XXXX Balance : {$9400.00} ; XXXX XXXXXXXX XXXX Balance : {$3100.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$3600.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX & XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$3500.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2023-07-28
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:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be fixed immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is unacceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2017-05-03
Company: Altisource Portfolio Solutions, S.à r.l.
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
Altisource used its cozy relationship with pretender lender loan servicer  XXXX   XXXX   XXXX  as a weapon, using fraudulent trustee sale taking place in just days as a weapon to force me into only  XXXX  option to save my home from fraudulent trustee sale taking place in just days.  Altisource  illegally attempted to seize my home, using ocwen fraudulent records fraudulent documents fraudulent information fraudulent phony  XXXX  file fraudulent loan balances fraudulent past due payments. When my incompetent lawyer  TROs  was denied because my incompetent lawyer did n't serve all the defendants and follow the rules of the court, Ocwen then threatened me increasing the {$660000.00} loan modification to a none negotiable {$750000.00} modification using fraudulent documents fraudulent payment history fraudulent records fraudulent phony  XXXX  file fraudulent principal balances, threatening me that if I did n't sign the pretender lender loan servicers increased none negotiable loan modification settlement in  XXXX  hours  XXXX  and  Altisource  will proceed with the fraudulent trustee sale taking place in just days. I was forced to sign the pretender lender loan servicers increased none negotiable loan modification to avoid fraudulent Altisource trustee sale and I would I lost my home forever. I have filed multiple consumer complaints.  XXXX  robo-starr continues to cover up its fraudulent fronts and totally ignores all my complaints, and  XXXX   XXXX  continues to threaten me with foreclosure.

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 2022-02-09
Company: Experian Information Solutions Inc.
State: RI
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:
i was taken advantage of while several policies were broken according to the FCRA. 


XXXX XXXX XXXX XXXX Account # XXXX Date Opened XX/XX/2019 Balance {$1000.00} XXXX XXXX XXXX XXXX, DEXXXX ( 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 2022-12-22
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-02-09
Company: EQUIFAX, INC.
State: LA
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation.

I demand that these accounts be deleted immediately or I will file litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the Experian and XXXX credit bureaus XX/XX/XXXX, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 
XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX, XXXX XXXXXXXX XXXX Date Opened XXXX XX/XX/XXXX Balance : {$2900.00}, XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance XXXX {$2300.00}.

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 2017-05-03
Company: Talbot, Adams, & Moore, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On   XXXX     debt collector called, when I returned the call the I requested written documentation. She stated it had been sent when I informed her I did not have that she told me she does not have to send it out. Spoke to supervisor who told me that since it had not been returned they automatically assume the document has been received. When I requested another copy sent because I have not received it the supervisor informed me they do not have to send another one and that o can go to a branch to pay what is owed. I informed him that I live  XXXX  hours and would like documentation that I will have the ability to show the debt has been paid and he stated they do have to send anything once it 's already been sent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: Pressler & Pressler, LLP
State: NJ
Product: Debt collection
Sub-product: Credit card 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:
They sent a letter saying that they won a case in court and that if we don't pay or make arrangements will face jail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I've been a Capital One, credit card holder since XXXX. I've never had a missed payment and they increased my credit limit from $ XXXX to $ XXXX without my asking. On the XXXX of XXXX, XXXX I requested a credit limit increase, however, unfortunately I was denied. I then applied for a new credit card with Capital One, and my application was accepted with a credit limit of $ XXXX, twice my established credit with Capital One of $ XXXX. 

To my shock and dismay on Saturday XXXX, I discovered that both of my Capital One credit cards were blocked! I immediately called in and waited over an hour for a customer representative to become available. I was told that there was a question about my income, which I listed as $ XXXX in XXXX when I opened the Capital One credit card and on my latest credit card application with them as well. In fact $ XXXX is listed as my annual income on my Capital One credit card online profile as well. The customer service representative informed me the person over my case attempted to call me, however, my phone listed that number as a SPAM call, therefore I didn't answer. I was also informed that Capital One would send me a XXXX, authorizing them to view my IRS XXXX XXXX return for XXXX. 

This is absolutely unacceptable and in my opinion discriminatory. I have a XXXX XXXX  on all three of the major credit bureaus. As a small business owner the only time I've ever given any entity access to my tax returns is during this Pandemic, when I gave the SBA a Form 4506-T, authorizing the IRS to confirm my XXXX Business Tax Return whereby the SBA could continue the process of my EIDL corporate funding. I would never, under any circumstance grant any financial entity access to my personal tax returns for a paltry $ XXXX credit card! That Capital One, has blocked my long established credit card and new one which they initially granted with no issue is a violation of customer dignity.

I would never apply for any credit card which required my tax return as part of the application. For personal loan or business loan, perhaps, contingent upon the terms of the loan. However, never for a small $ XXXX credit card from a lender with whom I already have a nearly two year business relationship with. This insult is ludicrous. 

Furthermore, even if I were of such low self-esteem as to agree to the asinine demand of Capital One, I could not comply as I was unable to submit a XXXX Personal Tax Return, due to identity theft. I've attached documentation attesting to this fact!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: Experian Information Solutions Inc.
State: PR
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:
In accordance to the fair credit reporting act this creditor has violated my rights; under 15 USC 1681 section 602 states I have a right to privacy 15 USC 1681 section 604 a section 2 it also states the consumer reporting agency can not furnish an account without my written instructions on the 15 USC 1666 b a creditor may not threat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

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 2023-03-14
Company: CITIBANK, N.A.
State: OK
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I have tried for XXXX straight days to withdraw {$200000.00} from my money market and Citibank has refused to provide me access to my funds. They refused to wire my funds. Then they refused to close my account and send me a check. They then had to send me an ATM card to verify me. When I asked to just close my account since they would not do a wire and send me a check, they said it would take XXXX business days to do so. I have lost thousands of dollars as the 90 day XXXX  continues to decline by their actions and I still do not have my money. Please help as this is criminal behavior to stop withdrawals from Citibank in light of the SVB crisis. They would not even provide names or supervisors for me. Just codes like XXXX and XXXX since their call centers are not based in the United States.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: Genesis FS Card Services, Inc.
State: CA
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:
On XX/XX/2022 I noticed the credit card company for Indigo card was charging me Credit Protection Fees since XX/XX/2022 when I opened the account. I did not sign for this service. 

I spoke to the company and they refused to give my money back for these charges which is a total of {$50.00} which had monthly increased. 

Thank you very much for your help on this. 

It is not correct to pay for a service I did not sign for. 

Regards,

Company response to consumer: Closed with explanation