BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-15
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2017-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
On XX/XX/XXXX I made an attempt to remove a number of inquiries from my transunion credit profile I did not authorize the companies below to perform. They refused to remove them. XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX/XXXX -XX/XX/XXXX XXXX XXXX - XX/XX/XXXX 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 explanation
Consumer complaint received 2023-01-28
Company: CITIBANK, N.A.
State: CO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
It says I have a XXXX credit limit on my Best Buy card But then says I have no available balance & have spent XXXX on it. 

When I called to ask what it was about, the account was conveniently closed today & they can give me no reason behind it. I have been sitting on the phone for almost an hour waiting for a supervisor to answer & tell me whats going on but they keep saying they cant for privacy reasons.

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 2021-03-26
Company: Bread Financial 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: Account status incorrect

Complaint:
Comenity Bank XXXX XXXX is reporting lates for the months of XX/XX/20, XX/XX/20. Due to Covid, I have suffered some hardships, the majority being financial troubles. I am a very punctual and diligent person about paying my dues and debts. I however, am asking at this time for these late notations to be removed. I have been a very good customer and plan to be a great customer. Unfortunately, during that time, I went through some things. I ask that Comenity Bank takes some leniency on me and remove the lates from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I have been notified by XXXX XXXX XXXX  that I have accounts that I have no knowledge off, and it is preventing me from opening an account with XXXX XXXX XXXX XXXX. I have contacted Wells Fargo and they state that these accounts are valid but provided an address that I have never lived at. I have disputed these items for 90 days to no avail and get the same answers and run around.

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 2020-05-15
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On the following dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, I have sent disputes to Equifax and the agency failed to investigate any items contained in any of my disputes. In fact, the agency told me I didn't have a credit file and refused to investigate any items I requested them to investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14
Company: Credit Protection Association, L.P.
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
For more than a week the Credit Protection Association calles me from XXXX and leaves a voicemail for someone I do not know. The recorded message directs the receiver to call XXXX if the receiver is not the the debtor in question. I called the second number and it plays 14 advertisments befor directing the caller to dial XXXX as the intended recipient has changed their number. This leads to a XXXX information service. 
This is an serious abuse of my time and I suspect someone is recieving payments for making me listen to all those ads. I feel that CPA is profiting from calling people they know full well are not debtors.

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 2020-09-01
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
To Whom It May Concern, This letter is a letter of complaint against XXXX and my credit card company, VISA. 
I have contested the following charges against appearing on my credit card. 
I did not authorize nor do I recognize the charges. 
These charges are being billed to me wrongfully. 

{$51.00} XXXX XX/XX/2020 {$99.00} XXXX XX/XX/2020 {$99.00} XXXX XX/XX/2020 {$39.00} XXXX XX/XX/2020 {$99.00} XXXX XX/XX/2020 {$99.00} XXXX XX/XX/2020 {$49.00} XXXX XX/XX/2020 {$99.00} XXXX XX/XX/2020 {$100.00} XXXX XX/XX/2020 {$99.00} XXXX XX/XX/2020 {$99.00} XXXX XX/XX/2020 {$99.00} XXXX XX/XX/2020 {$49.00} XXXX XX/XX/2020 {$49.00} XXXX XX/XX/2020 I initially put in a call to TD Bank VISA card services. 
They informed me to contact XXXX to help resolve. 
I did so on XX/XX/2020 and was given a case # XXXX XXXX XXXX XXXX by XXXX. They claimed that they were unable to assist and directed me to the game app developers. The game app developers in turn directed me back to XXXX saying that XXXX had to be the one to assist. 
On XX/XX/2020, the case was reopened by XXXX. A new case # was assigned, # XXXX XXXX XXXX XXXX. Again, they returned with an answer that they were unable to do anything. 
I then, on XX/XX/2020, opened a dispute with TD Bank VISA card services, VISA. Case # XXXX XXXX XXXX XXXX was assigned. 
I was informed on XX/XX/2020 by VISA, TD Card Services, that information was requested by the merchant to substantiate these charges/ They informed me that the documents provided by the merchant supports the merchants position that the services were rendered. They did not provide me with any of that information. 
Again, I deny these charges and wish to be shown proof of these which they have failed to do so. 
I was directed to your offices to help as I am at my wits end. Please help. 
I have copies of all dated documents for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14
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:
THE FOLLOWING ACCOUNT IS REALLY AFFECTING THE WELL-BEING OF MY CREDIT HEALTH. PLEASE GIVE ME A GOOD REASON AS TO WHY THIS ACCOUNT IS STILL REPORTING NEGATIVELY. IT IS A XXXX XXXX   ACCOUNT REPORTING UNDER XXXX, OPENED IN THE YEAR OF XX/XX/2006 AND DISPLAYS AN OUTSTANDING BALANCE OF {$1800.00}. I REALLY NEED TO MAKE A BIG PURCHASE IN THE NEAR FUTURE AND WOULD LIKE THIS ACCOUNT TO BE REMOVED AS SOON AS POSSIBLE.

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 2020-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
TransUnion replied today, XX/XX/20, listing an adverse account : XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX This account was paid in full. The adverse report says I paid less than what XXXX agreed to. That is false. I disputed the amount they wanted for wear and tear items on the car when it was returned after the lease. I feel these are frequently exaggerated to increase revenue or to negotiate their elimination if you lease another car with XXXX. I disputed the amount, and they agreed to lower the charge, and I paid it timely. I spoke with and will attach an email from XXXX  saying that there were no adverse events/outstanding fees on my file. This is not an " adverse '' account and needs to be deleted or put in the satisfactory category. If one disputes a bill, negotiates a settlement, and pays it off, this is not to be an adverse account. If so, anyone who negotiates a better deal should have a lower credit rating and that is ridiculous. 
My demand is to have this account deleted or put in the satisfactory category without any adverse findings.

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 2020-02-12
Company: EQUIFAX, 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:
A Loan was taken out in my name. I didn't get the money nor was it deposited into my account. I never applied for loan someone used my information

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14
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: Their investigation did not fix an error on your report

Complaint:
THE FOLLOWING ACCOUNT IS REALLY AFFECTING THE WELL-BEING OF MY CREDIT HEALTH. PLEASE GIVE ME A GOOD REASON AS TO WHY THIS ACCOUNT IS STILL REPORTING NEGATIVELY. IT IS A XXXX XXXX   ACCOUNT REPORTING UNDER XXXX, OPENED IN THE YEAR OF XX/XX/2006 AND DISPLAYS AN OUTSTANDING BALANCE OF {$1800.00}. I REALLY NEED TO MAKE A BIG PURCHASE IN THE NEAR FUTURE AND WOULD LIKE THIS ACCOUNT TO BE REMOVED AS SOON AS POSSIBLE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-01
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: Was not notified of investigation status or results

Complaint:
I did sent letters out certified over 60 days ago and have yet to receive any type of notification. As a consumer i feel like these clowns are not taking me serious and taking advantage of me.

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 2023-01-09
Company: LoanCare, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a letter from my loan servicer ( Loancare ) saying that I didn't have insurance and needed to update my insurance information with the servicer. This did not make sense because my insurance is supposed to be paid from the escrow account by the servicer. My initial insurance term was for one year XX/XX/XXXX - XX/XX/XXXX. The loan servicer did not even make the payment out of my escrow account for the next year until XX/XX/XXXX, so it was late. Now the servicer is saying that there was a lapse in my insurance coverage from XX/XX/XXXX - XX/XX/XXXX that they are trying to charge me for - I attempted to call the provided number to get clarification on this and it is completely automated with no option to talk with a human being. It does not make any sense that there would have been a lapse in my insurance because I should have been covered for a full year. Additionally, it is the responsibility of the servicer to make payments out of the escrow account which the servicer clearly did not do and now they are trying to charge me additional funds for their mistake and are refusing to provide me an explanation. It is absolutely unacceptable for the loan servicer to charge the home owner for their mistakes and the lack of transparency and inability to reach a human being is ridiculous.

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 2019-10-22
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I have explained to Equifax that these accounts are fraudulent accounts. I have provided all requested documents but these account remain on my report. Please delete these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-25
Company: ENOVA INTERNATIONAL, INC.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
Good Day On XX/XX/XXXX I took a payday loan with NetCredit for {$9900.00} which I only received {$8500.00} due to fees. I specifically asked about how the interest was applied and why it was so high and I was told that high rate of interest would only apply if the loan payments was late, missed or default. I have made 45 payment of {$240.00} in the amount of ( {$10000.00} ) which is my principle and some interest paid but NetCredit is now telling me the interest started from day 1 and expects me to continue payments until XXXX with the total amount of {$32000.00} which surely violates the laws of interest applied as a payday lender in the state of Georgia.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX. account # XXXX, this account is a charge off account. 

This is a violation of 15 USC 1681 ( e ) ( b ) which states a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I never received a 1009-C form for the cancellations of debt which is a violation of 15 USC 1681 ( e ) ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14
Company: EQUIFAX, INC.
State: AZ
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:
Identity stolen and used without my permission. Stranger used my information to try and open a number of credit cards in my name and while most were denied I know have many hard inquiries on my credit score because of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ME
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Several months ago in the spring ( approximately the beginning of XXXX XXXX I ordered some product online from XXXX. The product was a grass seed device along w/ grass seed/applicator etc. After nearly 2 months of not receiving the product I received a postcard in the mail from the company apologizing for the delay and advising the product remained on back order. There was a portion of the card to tear off and return if I desired to cancel the order. I returned that portion of the card to cancel the order as I had already seeded the area and at that point the summer was half over. 

A few weeks later I noticed the charge on my credit card {$110.00} on XX/XX/2020, and then approximately a week later I received the product. I have no need for this so I contacted the company requesting a refund and offering them the opportunity to send me a shipping label to have the canceled order returned to them. The company denies receiving the cancellation postcard, and refuses to issue a return authorization. 

I challenged the charge with the credit card company, Capital One. They initially returned the funds to my account, but on XX/XX/2020 re-billed the amount as they received " documentation '' from the vendor stating the product was shipped. I agree it was shipped, I do have it. However, I have no need for it after the extended delay and I canceled the order. 

Requesting refund or chargeback of the {$110.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
on XX/XX/2020, i sent a dispute letter and update report for my information correcting the inaccurate items and information that they are reporting negative on my report.I haven't receive any documentation regarding the accounts that i requested.i have attached a copy of the letters below

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: HYUNDAI CAPITAL AMERICA
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: Problem with personal statement of dispute

Complaint:
In XXXX my lease on a XXXX XXXX XXXX XXXX was coming to an end in XXXX. I leased a new XXXX XXXX XXXX XXXX from XXXX XXXX  XXXX. Part of the lease agreement was that XXXX XXXX XXXX would pay my last lease payment on the XXXX XXXX XXXX. 

XXXX XXXX XXXX failed to pay off the last payment in a timely manner ( they paid it in XX/XX/XXXX, 6+ months after signing the lease agreement ). This resulted on Hyundai Motor finance reporting me to the credit bureaus. 

I disputed this with Hyundai and was denied ( 5 weeks after sending in the letter ) stating " the disputed information is accurate as reported. '' I called Hyundai and they were unable to provide the information that was reported and refused to provide any further information to me over the phone. They advised XXXX XXXX   XXXX is a third party and is not responsible for the payment. Which means that I was held responsible for paying the final payment even though the dealership agreed to pay it contractually.

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 2020-11-17
Company: Experian Information Solutions Inc.
State: NC
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 or about XX/XX/20 the consumer submitted to the creditor a notice of billing error, pursuant to and in compliance with 15 U.S.C. 1666 and 12 C.F.R. 226.13. 

2. The creditor failed to send a written acknowledgement of the consumers billing error notice dated on or about XX/XX/20 within 30 days after receipt of such notice, as required by 15 U.S.C. 1666 ( a )

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