BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-26
Company: SYNCHRONY FINANCIAL
State: KY
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:
Paid balance in full to synchrony bank/care credit XX/XX/21 called the bank and they told me it would clear credit bureaus XX/XX/21 hadnt happened just talked to representative XX/XX/21 and was told it would come off credit report XX/XX/21. My name is XXXX XXXX and balance that was paid was {$130.00}. My email is 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 2023-01-05
Company: EQUIFAX, 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:
I have quite a few inquiries I don't recognize. 

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 response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX  XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XX/XX/2022.

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 2019-08-14
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Their investigation did not fix an error on your report

Complaint:
Kohls department store credit reported my payment as being late inXX/XX/2019.Theres seems be glitch in there system so I was told on the phone by them.I have been on the phone every month this year about there payment, not being taken out of my account to there account on auto pay for there web site.kOHLS HAS SENT ME ABOUT THREE NEW CARDS BECAUSE THERE CHARGE CARDS DID NOT WORK PROBLEM WITH ACCOUNT NUMBERS iF THEY WENT BACK AND LOOKED AT THERE RECORDS LIKE THEY REPORTED BACK TO XXXX THEY DID THEY WOULD HAVE SEEN ALL THE NOTES ON MY FILE AND ALL THE TIMES I CALLED AND ALL THE TIMES PAYMENT WERE MAID.ITS BEEN NOW GOING ON 6 MONTHS AND I CANT GET THEM TO HELP ME .THEY ALSO CHARGED MME A FEW LATE FEES EACH TIME THEY REMOVED THEM BECAUSE THE SAID IT WAS A GLITCH ON THERE END AND THEY WERE WORKING ON IT.BOTTOM LINE LOOK AT MY TRACK RECORD BEFORE MAY AND AFTER MAY NEVER BEEN LATE AS IN ALL MY ACCOUNTS ON MY CREDIT FILE I WANT THEM TO REMOVE THE LATE REPORTING AND TO REPORT ALL PAYMENTS ON TIME. I HAVE LETTERS FORM KOHLS ASKING FOR MORE INFORMATION IT A STALL TACTIC ON THERE BEHAVE .my account number is XXXX my ss is When i called XXXX they told me that the case was closed because Kohls send the right information if th was true why did kohls send me another letter asking for more information after they reported it was right .I just want them to follow the law for credit reporting and report the right things on time and in a timely matter.It is well past thirty days to get my credit report corrected.they are cost me money in hire interest rates and hire car insurance for them saying i was late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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 Capital One, 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 card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
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:
I recently bought all three of my credit reports to find out Im a victim of identity fraud. I reached out to Equifax and sent them all my documents and they still refuse to remove these fraud accounts. I need the CFPB to step in and over see these

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23
Company: EQUIFAX, 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:
I sent an investigation request to the credit bureaus on XX/XX/XXXX. Equifax and XXXX  have not responded yet, and they're supposed to respond within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: AMERISAVE MORTGAGE CORPORATION
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have an escrow account that is used to pay my mortgage insurance. I closed in XX/XX/2020 and my mortgage insurance has never been paid by my mortgage company ( AmeriSave ). I contacted loan services and was unable to reach a live person so I left a message. Loan services contacted me back and left a message saying to contact the title company. I contacted the title company who directed me back to AmeriSave and provided documentation showing that AmeriSave needed to pay my mortgage insurance. My loan officer at AmeriSave told me he could not help me and that I needed to talk to loan services. I attempted to contact loan services on three different days and have not heard back. I contacted my insurance company and let them know the situation. My insurance company informed me that they have never received payment from AmeriSave and that if one more payment was missed there would be an interruption in service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14
Company: ENCORE CAPITAL GROUP INC.
State: ME
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Complaint against Midland Funding 1. On XX/XX/2019 I was officially served a complaint for debt incurred and unpaid by a process server from XXXX/XXXX, XXXX representing Midland Funding LLC. 
2. On XX/XX/2019 I sent in a formal request for debt validation 3. On XXXX I received a letter from XXXX XXXX, XXXX that contained a cover letter addressed to me that stated We acknowledge receipt of your validation request. Enclosed is our response. The enclosed documents did not contain any form of debt validation but another cover letter for another consumer not associated with me at all and an affidavit of fraud. Its clear that my information and hers were mixed up and my debt validation letter and personal private information was sent to the 3rd party without my consent. 

I have no recollection of this debt and my attempt to obtain more information about it only led to personal and private information being leaked. Due to this unfortunate and harmful incident, I did not contact the law firm out of fear of incompetent attention to detail by midland funding and their representation leading to further harm to my reputation. 

Midland Funding and representation has violated both the fair debt collection practice act and Maine State Fair Debt Collection Practices Act Chapter 109-A 11012 # 3 Communication with 3rd parties which  states Without prior consent of the consumer given directly to the debt collector, or the express permission of a court competent jurisdiction, or as reasonably necessary to effectuate a post judgement judicial remedy, a debt collector shall not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorneys, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor or the attorney of the debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01
Company: Netspend Corporation
State: NY
Product: Debt or credit management
Sub-product: Debt settlement
Issue: Problem with customer service

Complaint:
In accordance to regulations E a investigation was going on where the company was supposed to provide provisional credit and give client access to it while the investigation is going on accordance with 12 CFR 1005.11 ( c ) ( 1 ), ( 2 ) ( i ). As well they waited to the 10th day close my account and I supect them of stealing the credit in accordance with grand larceny How Is Grand Larceny Different From XXXX XXXX? 
While both grand larceny and petit larceny are crimes of theft, grand larceny is more serious as it is a felony, and petit larceny is a misdemeanor. You will face a charge of grand larceny if you are suspected of stealing property with a value of more than {$1000.00}. If the property has a value of {$1000.00} or less, then the charge will be XXXX XXXX. However, as a New York grand larceny lawyer will explain, there are a few exceptions to this. For example, if the property is taken from another 's person, or if the property is taken by extortion, the charge will be felony grand larceny regardless of the value of the property. The claim that was put in with netspend was XXXX and the card was XXXX XXXX XXXX XXXX account ending in 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 2018-04-23
Company: CITIBANK, N.A.
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
My employer received a writ of garnishment on me for a credit card through citi bank. I did have a credit card in XX/XX/XXXX and possibly still owe the debt. However, the judgment is through XXXX XXXX XXXX through an attorneys office. The judgment date on the court document says XX/XX/XXXX but the order was signed XX/XX/XXXX. The card was last used in XX/XX/XXXX. However, the XXXX company could not provide me with any information other than it was a Citibank account. I offered to pay a settlement and they countered with a settlement I am not willing to pay. I was not notified in person, phone, or mail of this debt, only from my employer who received the writ in the mail. The statue of limitations should have expired in Arkansas. Also, the company has been unable to provide me with any information regarding my account with Citibank other than that I owe a debt.

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 2019-08-14
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:
XXXX XXXX XXXX ( original creditor XXXX XXXX ) is reporting incorrectly to Experian a collection in the amount of {$3800.00}. ( Please see attached page from my credit report. ) XXXX XXXX is billing me for breaking a lease that was never in effect. My first lease was a 15 month lease and even per the detailed documentation attached, the new lease they allege I am responsible for would not have been in effect until XXXX. I provided a ( 60 ) day notice to vacate on XXXX and followed up in writing and again in an email on XXXX. I never received any response from either the written notice or email notification. This was common practice as the staff at XXXX XXXX rarely responded. My last two emails were to a Ms. XXXX on XXXX and XXXX. However, upon receiving documentation from the collection agency it shows that Ms. XXXX did reply to a few emails however, she did not type in the correct email addresses and consequently no communication was ever received by me. I did not have any signed lease on the dates they claim I had lived there. They have sent me to collections in error. I do not owe XXXX XXXX any sums of money and this incorrect reporting of a collection is harming my credit score. This line item needs to be removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
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: Investigation took more than 30 days

Complaint:
I have had negative items on my report for months now and for some reason they have not been validated and they have not been updated on my report they have no been verified with supporting documents and I have not been notified please delete these items they are truly affecting my credit score and my chances of doing things that are needed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14
Company: I.C. System, 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: Old information reappears or never goes away

Complaint:
In XX/XX/2019 I lost accounts due to this bill that is not mine reappearing on my credit reports. XXXX, XXXX   and XXXX. XXXX bank lowered my balances and closed accounts due to this bill from XXXX. This is the 3rd time this has appeared on my credit and I've contacted consumer finance. the company, credit bearus. I've submitted proof of address where I live. I've submitted tax records everything. Each time it gets removed because it is not mine. It is sold or whatever the company XXXX does with it. This has affected me negatively and my credit to where my accounts have been closed. Score dropped. How can a bill that is not mine keep reappearing and hurting 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 2021-03-26
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint:
I call the BBVA fraud department to inquire about my debit card not working. After verifying my Identity, I was told my accounts are frozen. 
This action is based on a report received on XXXX XX/XX/2021. They were coping my accounts. When inquired what report was and sent to them by who, they were unable to provide this information. I call CFPD and they said I have 15 days to reply to this matter. 
But no one can tell me anything about the report and or what negative items it contains. 
I have a large sum of XXXX in Savings and about XXXX in checking. I was told by the fraud that they were closing my accounts. I work with The XXXX XXXX and, I have filed a police report concerning ID theft of my identity. That report is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
Have asked the bureaus numerous times to update all of my personal info ( name, address, employer ) and they refuse to remove information that is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please remove this inaccurate late payment from my account. I have a good history of paying on time and it is unfair for me to be penalized for something that is not my fault. I kindly request that you update my account as soon as possible to reflect the correct information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-18
Company: Kriya Capital, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Time barred on my debt is now 5 years and I have made several attempts requesting it now be removed from my credit report. The creditor re-started the date to XXXX after my request for removal from my credit report since the statue of limitations has ran out on collecting or suing me. Every attempt I have made is being said valid and it stands and I don't understand how when the debt occur XX/XX/XXXX but on my credit reflects XXXX as it recent and that is untrue. I just want it removed and I'm tired of going back and fourth with the collection company. Can you please help? they are XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-16
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Capital One is reporting erroneous late 's on my credit file. They are reporting late 's for XX/XX/19 and XX/XX/19, my payments are set up to be auto drafted. They failed to draft the payments for these months and also failed to notify me until a couple months later. When I called to see why my account was delinquent they noticed it was an error on their end and refunded me the late fee 's and interest charges. I was not late on my account, Capital One should of drafted my payments and they awknodlge this error. I'm not sure why they refuse to remove the erroneous late 's but I really need them off of my credit file as I was never late and have never been late on my Capital One accounts. I will attach the statement 's where you can see the late fee 's and interest were refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22
Company: CITIBANK, N.A.
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
This involves two different issues that I need solved in the next four days ( byXX/XX/XXXX ), otherwise I will have to escalate this even further.

I was previously given a Dividend card sometime in XX/XX/XXXX, and a few weeks ago (XX/XX/XXXX) I was approved for a ThankYou Premier Card. I have attempted to have both of them shipped to me successfully ( a basic thing ) and both have been misdelivered or lost in the mail, the first ( Dividend ) somewhere between three and five times now over the course of seven months, and the Premier sometime over the last week.

I needed the Dividend for a relevant purchase over six months ago and have still been waiting for it to arrive. I was told by one representative that it was " already sent, '' but it never arrived, then told by another that it was returned as undeliverable ( that would be Citi 's issue, not mine, as I have a correct address listed ), and by another after several attempts to have it sent that it " was sent over a week ago '' ( when it had been sent several months prior ) but that a new card would be expedited to my address at the time and " arrive [ within two days ] '' ( two weeks later and it still has not shown up ).

The Premier card was supposed to have arrived over a week ago, and is needed byXX/XX/XXXX for a relevant major purchase, but has not shown up.

I have moved from the address I previously listed and will be moving again shortly, so I need it delivered tomorrow ( Saturday XX/XX/XXXX ) or Tuesday ( XX/XX/XXXX ) -- no exceptions. The address it must be delivered to is NOT the following, as I have moved : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ID XXXX but is the following : XXXX XXXX XXXX XXXX XXXX OR XXXX I am moving again onXX/XX/XXXXso both cards absolutely must be delivered by XX/XX/XXXX ( doable through overnight or same-day express delivery ). Again, they must be delivered to the following address : XXXX XXXX XXXX XXXX XXXX OR XXXX I did not want to use the CFPB to accomplish such a basic task as receiving credit cards after seven months, but I have continuously been told false things or downright ignored in every other method of contact ( phone, email, online forms, etc ). I even called a few minutes ago and as soon as I explained my situation, the rep went completely silent and did not respond.

I do not have my card numbers ( as the cards have never arrived ), so the only identification information I can give you are the two addresses listed above, my name ( XXXX XXXX ), and my online user ID ( XXXX ). That should be sufficient, however.

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