BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-30
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I called XXXX  and submitted disputes with all Three bureaus. XXXX updated late payment reporting on my XXXX but has refused to update my XXXX or Experian. I have been getting the run around without a response.

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 2023-09-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting 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 act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit account under an open consumer credit plan as late for any purpose. 


CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX ( XXXX ) XXXX CAPITAL ONE : ( XXXX - XXXX, XXXX, XXXX, XXXX, XXXX ) CAPITAL ONE : ( XXXX - XXXX, XXXX, XXXX ) CAPITAL ONE : ( XXXX - XXXX ) - XXXX Payments missed reported Different Account CAPITAL ONE : ( XXXX - XXXX, XXXX, XXXX ) - 3 payments missed reported XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, DE XXXX XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX  : ( XXXX - XXXX, XXXX ) - 2 payments missed reported XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXXXXXX : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : ( XXXX XXXX XXXX XXXX - 2 payments missed reported

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20
Company: EQUIFAX, INC.
State: LA
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:
On XX/XX/XXXX or XX/XX/XXXX, this account was reported as 60 days late and is adversely affecting my credit score. I've asked them to correct this mistake and they refuse. This account was closed earlier and a check was made out to me. Impossible to be late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21
Company: CITIBANK, N.A.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I initiated a wire transfer from my Citibank online account. The transfer supposed to withdraw funds from an external account and deposited into my Citibank account. Citibank took the funds from my external account, however, rejected the deposit. Now {$15000.00} have left my account and Citibank did not posted in my account. Citibank claims to have sent the money back to my account but the other bank can't see it. I have called several times and no one seems to help. By the way, you should look at Citibank USA XXXX account and see several complaints from other customers just like mine.

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 2018-03-11
Company: JH Portfolio Debt Equities, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Hi, Here is the situation : XXXX ordered XXXX credit card on behalf of me without my permission as a replacement for XXXX XXXX card. [ XX/XX/XXXX ] I had no idea about the existence of this card until I got a call from XXXX stating that I haven't paid my bills. This call was around XX/XX/XXXX and the fraudulent charges were incurred in XX/XX/XXXX. Apparently someone intercepted the card and used it. 

I contacted XXXX stating that I never had seen the card and the entire amount was completely fraudulent. XXXX mentioned that they will investigate this as fraudulent and close this. 

However, they didn't close this issue, and kept on sending 120 days non-payment notice to credit bureau. I contacted them multiple times between XX/XX/XXXX, and they finally said that the issue is closed and the credit score also reflected that the issue is closed. [ XX/XX/XXXX ] Now, in XX/XX/XXXX, I got a mail from XXXX stating that they have sold my debt of {$890.00} to JH Portfolio Debt equities LLC. 

I called up XXXX and gave them the details on situation, but they said that the account on their side is locked. 

I got another mail from XXXX & XXXX who is trying to collect the debt of behalf of JH Portfolio Debt equities. 

I am attaching : 1. My mail exchange with XXXX, when I first received the Credit Score degradation. 
2. Letter from XXXX that they are selling the balance to JH Portfolio and Debt Equities LLC. 
3. Letter from XXXX XXXX XXXX XXXX collector. 

Thank you for your help. 

-XXXX XXXX Personal Details [ to be removed before any posting ] Here are the other details : Original Account Number : XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current Creditor : JH Portfolio Debt Equities LLC XXXX XXXX XXXX File Number : XXXX Current Balance : {$870.00} Address : XXXX & XXXX , XXXX . 
XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, NJ XXXX Phone : XXXX ; Fax : XXXX JH Portfolio Debt Equities. LLC XXXX XXXX XXXX, XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO 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 2018-04-05
Company: CITIZENS FINANCIAL GROUP, INC.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I spoke to Citizens Bank at Length about my account this week because it was paid past Thursday into Friday which is a banking business day and there is absolutely no reason for there to be a delay in receiving my settled in full notice so I can start new business accounts and start my payroll account with XXXX. 

Citizens Bank alledges that the payment did not post until XX/XX/XXXX but when I spoke to XXXX XXXX XXXX manager at XXXX, SC he informed me that the matter was paid last week. There is no evidence otherwise. the reason I mention this is I believe that there may be a NY or SC collection law at state level that states a Settlement in Full or Payment in Full Letter must be mailed in a reasonable manner. I believe the legal definition of this matter was 15 days maximum, not business days, but calendar days. If the banks holds true to their 10 ( ten ) days holding time, the matter will not be resolved within the 15 days as prescribed. I have given the bank the email address of XXXX and I was told that this would be emailed to me when available. Not receiving this document stops me cold from the ability to open a business bank account which stops me from opening an account with XXXX and that stops me from hiring people. 

There was a high level of harassment and unprofessional behavior during the call, to the point where phrases like, " you took our money and didn't pay it back '' which is an allegation of theft. Then the collection agent appologised and admitted her act. Harassment of this nature is a violation of Fair Debt Collections Act, or possibly state laws in NY, where the account was opened and closed. If no other fact, the behavior was not an accurate statement, as it was paid and all I am looking for is the documentation that is required to edit my XXXX report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I send money to my wife vie XXXX in the amount of {$30.00} on XX/XX/2018, XXXX XXXX. 
There was no issue with the transaction. 

I send money to my wife vie VENMO in the amount of {$800.00} on XX/XX/2018, XXXX XXXX Now, apparently, there is an issue. 

XXXX removed the funds from my checking account, but refused to send to my wife 's account. They requested additional information from her which she provided. However, they still did not release the funds to my wife. 

I received an email requesting additional information from me. I refused and requested the XXXX simply return the funds to me. Now they have a problem with this and are holding my funds hostage for up to 180 DAYS to conclude an investigation into account activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-09
Company: Experian Information Solutions Inc.
State: GA
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:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. I don't even know who they are or how they obtained my information..This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.. Delete the following inquiries off my Experian credit report 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 explanation
Consumer complaint received 2020-05-26
Company: SYNCHRONY FINANCIAL
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:
This debt originally started with XXXX XXXX XXXX in early 2018. After using high pressured tactics to buy this property, {$15000.00} was financed with XXXX and {$19000.00} financed with PayPal with no payment for 6 months. Their decision to approve this loan was based on credit score and not on income. Our agent emphasized what a great investment this property in XXXX XXXX was for us as well as my children. My husband and I went home and after processing and mentally rethinking, I called the agent on several occasions about the upcoming debt with PayPal to discuss selling this property or give us any advice he could provide since he had given me his personal cell phone number in case I had any questions or concerns. He never returned my calls. I even attended a third free holiday weekend in search of our agent and to my surprise was informed that he no longer worked for XXXX. I mentioned that had read about several law suits pending against XXXX, his reply was what is a few law suits against a company as big as ours. That alone led me to believe that XXXX nor PayPal did not have the consumer 's best interest but only in making the sale. They introduced me to another agent who also tried to high pressured me into upgrading even more. After numerous attempts of coercing me into upgrading, the agent walked off stating that I was wasting her time. I left in total disgust. I started receiving PayPal delinquent notices, then telephone calls and notices from XXXX XXXX XXXX. XXXX., a debt collection agency, Synchrony Bank , and XXXX XXXX In XX/XX/2018 I refinanced my home to payoff all outstanding debt on the credit report only to find out PayPal was not listed. XXXX was paid in full with the exception of outstanding maintenance fees. I hired XXXX XXXX in XXXX and obtained a deed in lieu of foreclosure. XXXX stated that they did not work with third parties therefore, could not help me with PayPal. My dispute is how am I still owing for a property that I was highly pressured and coerced into signing and never used or visited said property? At about the same time I received a title from XXXX XXXX with a deed of Trust, PayPal and the other collection agencies listed above have not reported this loan to the three credit bureaus and it has never reflected on my credit report. I have an excellent credit rating and worked very hard to keep it this way.I am attaching documents that should be useful, as of this date, XX/XX/XXXX I have yet to hear or receive any collection calls or notices.

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 2018-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
XXXX erroneous reported me as XXXX late for XX/XX/XXXX and XX/XX/XXXX. I raised my hand XX/XX/XXXX and my credit report is still wrong. My score dropped 40+ points. I am presently in the process of refinancing and when my lender received notice of the mortgage late, my interest rate increased from 4.1 % to 5.378 %. 

Also in XX/XX/XXXX, I obtained a modification with XXXX and my credit was not suppressed while I was in an approved workout which is also affecting my credit and my escrow was not spread correctly leaving me with an escrow shortage.

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 2018-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
Public Record- tax lien Tried numerous of times to get all 3 Credit Bureaus to remove a paid and release public record from my report. XXXX  report doesnt show, but the others does. After several attempts, they informed me that the information is correct and it will not be removed until XXXX. 

Public record recorders XXXX Paid 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 2020-11-28
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: Was not notified of investigation status or results

Complaint:
I am filled with every emotion! I am XXXX and sad at the same time! My initial response to the INACCURATE items on my credit report sent as stated in an earlier message on XX/XX/2020 and I also sent another letter ( demand to comply ) on XXXX which was 45 days letter from the initial letter I sent. Today is XX/XX/2020.. Commonly by law, you should react inside 30 days. During these troublesome occasions, all of you have been given an augmentation which I comprehend. In any case, it has been well over the expansion period given. I have exhorted you on in excess of 3 distinct events. I am beginning to accept this is a slow down strategy on you folks ' end. I interest your organization eliminate this blunder from my credit report or face suit. In the event that you don't eliminate this mistaken data promptly I will record a formal complete with the FEDERAL TRADE COMMISSION! I am staying aware of the entirety of my records and types of correspondence with you on this issue simply if there should be an occurrence of documenting a grievance with the FTC on the off chance that you keep on choosing not to coordinate. In Wenger v. Trans Union Corp., No 95-6445 ( C.D.Cal.Nov. 14, 1995 ), you will be considered liable for your choice not to not consent. My family and I are being compelled to pay higher loan fees and denied by numerous organizations when attempting to buy important necessities to get by during this troublesome financial period. In the event that your next reaction to me is definitely not a unique application with my mark on it or a letter expressing that the deceptive data that is disregarding the Fair Credit Reporting Act isn't erased I will proceed with my FTC protest. As shown by the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by government law to affirm, through the real check of the principal stamped purchaser contract, all records that you post on a credit report. Else anyone paying for your specifying organizations could fax, mail, or email in a bogus record. I interest to see obvious proof ( i.e. : an exceptional buyer contract with my imprint on it ) that you have on the archive for the record recorded underneath. Also I will be contacting the Attorney General to help me assist with this matter along with seeking litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: Experian Information Solutions Inc.
State: AL
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:
Disputed amount of {$62.00}, {$62.00}, {$62.00} owed to XXXX. XXXX XXXX XXXX on XX/XX/XXXX, ( was on all 3 Cr. Bur. ), as unpaid-in collection. Then there was XXXX XXXX XXXX. I disputed the loan was n't mine, my information was used to commit fraud, I had talked to the company prior to this and they even told me how the crime was committed against me, but still continued to allow this to destroy my ever having credit. Amounts disputed, {$920.00}, ( on all 3 Cr. Bur. ) date disputed-XX/XX/XXXX, then on the same date I also disputed {$410.00} to XXXX XXXX Bank XXXX dispute sent to all 3 Cr. Bur.,  {$85.00} due to XXXX XXXX XXXX, disputed to all 3 Cr. Bur., on XX/XX/XXXX. XXXX sent me back the inv. Results and XXXX XXXX XXXX XXXX. Was Deleteed, XXXX. XXXX was DELETED, XXXX XXXX XXXX. Was DELETED, and XXXX. XXXX. Bank was Disputed w/ info, updated. They put it back at what I knew I owed {$300.00}. XXXX, Waited 1 1/2 hrs, never answered. They sent me back a result of " no change '',. XXXX, is absolutely unwilling to help at ALL!! They sent me all around the world, never got any help. I want to also say I tried the last time to contact the creditor XXXX XXXX, it was admitted to me the manager at the time had also scammed 2-3 other customers. He would continue to reborrow money under our identity. I got cussed out ft not understanding. This was supposed to be handled in XX/XX/XXXX, instead he skipped town, my credit continued to get worse and worse. I had to pay unbelievable finance charges on anything I would get and then I had to use XXXX companies that on touched the WORST credit. I filled out a report on my account being frauded in 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 2018-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND
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:
On XX/XX/2018, I received results of an investigation that TransUnion had conducted on account # XXXX on my credit report. They stated that they had deleted this account and verified it as accurate at the same time. When I spoke to a customer rep on the phone, they stated to me the creditor which is XXXX XXXX XXXX XXXX had failed to verify the information on the account and that it was deleted from my credit report. But further investigation on my behalf, shows the account still listed on my credit report with TransUnion. This kind of erroneous reporting constitutes fraud on behalf of TransUnion, and I intend to pursue legal action against them pursuant to my rights under the guidelines of 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 explanation
Consumer complaint received 2019-11-12
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:
XXXX, EQUIFAX AND XXXX  HAVE ACCOUNTS ON MY CREDIT REPORT THAT ARE NOT MINE/INACCURATE. 

Addresses : XXXX XXXX  XXXX, XXXX, FL XXXX XXXX XXXX XXXX , XXXX, FL XXXX Accounts : XXXX XXXX XXXX XXXXNOT MINE XXXX XXXX XXXXNOT MINE XXXX XXXX XXXX XXXX XXXXNOT MINE XXXX XXXX XXXX XXXX XXXXNOT MINE XXXX/XXXX  XXXXNOT MINE XXXX/XXXX  XXXXNOT MINE XXXX XXXX  XXXX XXXX XXXXNOT MINE XXXX, XXXX XXXX XXXX XXXXNOT MINE XXXX XXXX   XXXX/XXXX  XXXXNOT MINE XXXX XXXX XXXX XXXXNOT MINE XXXX XXXX   XXXX/XXXX  XXXXNOT MINE XXXX XXXX XXXX XXXXNOT MINE XXXX XXXX XXXX XXXXNOT MINE XXXX XXXX XXXX XXXXNOT MINE Identity theft/fraud : XXXX XXXX XXXX | XXXXFRAUD/IDENTITY THEFT Inquires : XXXX XXXX XXXX XXXX NOT MINE XXXX  XXXX XXXX  XXXX XXXX XXXX  NOT MINE XXXX XXXX XXXXNOT MINE XXXX  XXXX  XXXXOT MINE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
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:
This company has been claiming to " verify '' account information for XXXX XXXX, when they have not. 
This account is a charge-off, and they are allowing XXXX to report a new one every single month for the past 3 years. Its a SINGLE charge-off and not 36 charge-offs. This has me really stressed out and i now worry about my mental health. They know This is against the FCRA ( Fair Credit Reporting Act ), because i've told them in numerous letters but it keeps getting verified. This account can not be charged off WITH a balance if its been sold to a collections company, also against the FCRA. The last " update '' to this account was in XX/XX/2017 but the account always comes back at updated/verified. Whats actually being updated? 
THis can not go on. This account is NOT being verified, they arent providing me proof, nor are they telling me how they verified it once they do it ... more fraud violations

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