BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-14
Company: American Coradius International LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received notice from American Coradius International LLC concerning a XXXX debt for {$2600.00}. 
XXXX. I have never had a XXXX credit card. 
XXXX. My account number is nowhere near the same account number they represent. 
XXXX. XXXX has my transaction records that show my expenses, and there have not been any fraudulent activities since 2001. 
XXXX. The letter describes " XXXX XXXX XXXX '' when the actual name of the business is " XXXX XXXX XXXX ''. 
XXXX. I have all three credit companies that I review at least once a week ; XXXX, XXXX, and XXXX. There is no fraudulent activities shown on any of them for the last 6 years. 
XXXX. I have my credit locked by all three companies. 

This is an attempt to obtain money when there is no evidence of inappropriate purchases or another credit issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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  Account # XXXX, has violated my rights. 15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 5 U.S.C. 1681 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

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 2021-02-19
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXX XXXXXXXX, XXXX XXXX, and Comenity Bank XXXX. The Account Opened is XXXX XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$19000.00}. The Account Opened is XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$35000.00}. The Account Opened is Comenity Bank XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$8000.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting 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:
I had identity theft and somethings that are reported does not belong to me. I've contacted the companies and all three credit bureaus. Experian refuses to fix the things that are wrong and false even after XXXX and XXXX has already fixed it on theirs. I don't not give them permission to be reporting anything about me under the fair credit report act. Experian also refuses to take off addresses, names and other information that I have told them does not belong to me. I have hard inquiries that should not be there with companies that I have no business or any dealings with too.

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 2022-09-14
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
XXXX XXXX, after a total loss leased vehicle, keeps all settlement monies even if the payoff amount is less than the settlement. There have been numerous claims that I have worked on that XXXX XXXX is the XXXX. They demand that the whole settlement amount from the insurance is theirs even though the payoff is less than the settlement. My clients are getting robbed by XXXX XXXX. The insurance companies side with them stating that it is in the contract. Just because it is in a contract that no one really reads, the fine print, doesn't mean it's lawful. Please investigate XXXX XXXX as it is really unfair for them to keep the equity that is owned to the people.

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 2023-02-27
Company: Experian Information Solutions Inc.
State: OK
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX XXXX XXXX XXXXXXXX Balance {$5300.00}

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 2022-09-14
Company: EQUIFAX, INC.
State: KY
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:
The car lot i traded my vehicle too over the past couple years has ran my credit multiple times. 8 times within one week. They just ran it again XX/XX/XXXX without my authorization. I have never had a missed payment or high utilization. My credit score has dropped tremendously due to XXXX hard inquiries when i should only have 3-5 if that.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
2 weeks ago I attempted to unfreeze my credit so my wife and I could make a purchase. The person at Experian barely spoke English and was unable to assist me with that task. My account was subsequently locked out and I was told to try again after 5 days. After the 5 days, I went on their website to try and establish an account that would allow me to take care of this myself, but the website will not allow my to do so. So I called again and spent another 1.5 hours with a very nice rep who tried very hard to correct this problem. Ultimately she was also unable to set up an account for me, and unable to get a live person on the phone who could. This is a credit reporting agency that by all appearances seem completely inept. A person 's credit history and report are vital to every American and their financial health. This company should be held accountable to the people who rely on them to do their job properly. In my opinion this situation is totally unacceptable.

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 2023-02-27
Company: Experian Information Solutions Inc.
State: NC
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:
Upon reviewing my current credit report from your bureau, I came across the disputed accounts, and I don't think they are 100 % correct. Would you please UPDATE these ACCOUNTS 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 2022-05-23
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: Was not notified of investigation status or results

Complaint:
I recently checked my credit report and noticed that lots of inaccurate accounts and inquiries, I immediately made a Letter to the respective agencies dated XX/XX/2022 and I wonder why after 30 days I haven't received any response from them so I had to research about my right and found that according to this article { FCRA 611 ( 15 U.S.C. 1681I ) } there's this 15 days additional for the reinvestigation. So I calm myself and waited for another 15 days to passed. Today I couldn't wait for another day it is over 45 days since I mailed them about it but still no response at all. According to article that I read failure to investigate 30 days gives a reason to immediately remove those items from my credit report. I feel like I am being ignored and being taken advantage.

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 2016-11-26
Company: Specialized Loan Servicing Holdings LLC
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Specialized Lending Services is reporting that incorrect information to the credit bureaus

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 2023-10-03
Company: Bread Financial Holdings, Inc.
State: NY
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 this creditor has violated my rights. 

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

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

15USC 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 2022-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
The car lot i traded my vehicle too over the past couple years has ran my credit multiple times. 8 times within one week. They just ran it again XX/XX/XXXX without my authorization. I have never had a missed payment or high utilization. My credit score has dropped tremendously due to XXXX hard inquiries when i should only have 3-5 if that.

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 2022-09-15
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 602 A section 2 ; it also states consumers reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: Bridgecrest Acceptance Corporation
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have notified the following companies : XXXX XXXX and Bridgecrest regarding fraudulent accounts reporting on my credit report. No response by either company.

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 2022-08-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I initiated a consumer credit transaction at the end of XXXX to obtain a credit line increase. On XX/XX/XXXX, I received an adverse action letter from Capital One, discriminating against me. I have attached my response letter as well as supporting documentation regarding this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: SYNCHRONY FINANCIAL
State: OH
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 tried calling the 800 number listed on the inquiry from this company because I have no knowledge of this. However, I was told no information was available

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 2019-01-14
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I have a daily interest mortgage loan. This loan has changed financial institutions several times since I took out the mortgage loan in XXXX. I have had problems paying my mortgage in the past due to an identity theft and the haulting of my Social Security Benifits. I sought help with getting the then mortgage holder at the time to defer my payments. I have since had to file Chapter XXXX bankruptcy. I filed my bankruptcy case in XX/XX/XXXX. During my bankruptcy filing the mortgage changed hands again. A company called Bayview Servicing is now handling my payments for whom ever has my mortgage. My payments of XXXX I often rounded off and was sending XXXX dollars or XXXX.The original mortgage company was applying the overpayment to my principal. This new company is holding my over payment for over a year as unapplied funds. I have ask them several times to apply the funds to my principal. This company is holding my money and it is not benefiting me by lowering my principal. I was told they are holding my money because it is not a payment, I repeat this is a daily interest mortgage. If my payment was a day past the due date the company would not hesitate to take the additional interest from my payment. Bayview has been holding XXXX of my money for over a year. I want these funds and the annual interest it would have saved me had it been applied to my mortgage applied to my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: CITIBANK, N.A.
State: IL
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:
On XX/XX/XXXX, I sent a letter via Consumer Financial Protection Bureau ( Case # XXXX ) to Citi detailing a fraudulent charge posted on my Citi Rewards+ account ending in XXXX. In response to my complaint, Citi claims they " no longer have the means to further assist me. '' This is in direct violation of XXXX 's XXXX XXXX XXXX XXXX https : //www.XXXX.us/en-us/personal/get-support/zero-liability-terms-conditions.html ) that Citi should abide by since the issued card is a XXXX. 

I have provided significant evidence to Citi in order to show that I should not be responsible for the {$1100.00} charge on XX/XX/XXXX by XXXX XXXX XXXX XXXX. There should be no reason the bank would not be able to assist me further with this case. 

I had canceled the original purchase and now the merchant is showing a receipt under someone else 's name for a product delivered to someone else while charging my credit card. I have not received anything from this merchant nor authorized the charge on my card. I should be protected under XXXX 's XXXX XXXX XXXX with no issues at all.

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 2019-01-14
Company: Experian Information Solutions Inc.
State: OH
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:
My mortgage servicer started accepting payments in XX/XX/XXXX after requiring that I restructure my loan.I was only 2.5 month behind in XX/XX/XXXX but they refused to accept any payments once I got back on my feet and drug the whole process out until XXXX. 

Even though I have presented them with proof from their own website that all of my payments since XX/XX/XXXX have been on time they did not correct the reporting error on my credit report. I was even told by a staff member that it should be corrected but after numerous phone calls ( most of which were recorded ) and a very detailed letter accompanied by supporting documents they have not corrected this obvious error. 

Where as I have been current since XX/XX/XXXX my reports show that I did not make a payment until XX/XX/XXXX. 

I can prove my claim with bank statements and a printout from the servicer 's own site.

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 2020-04-24
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:
I still have accounts due to my identity theft case appearing on 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 2023-04-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ME
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:
I opened card with Capital One in XXXX. I made payments on time and had a very good credit report. XXXX XXXX  I fond out that there had been fraudulent charges on my account. I was told my account was frozen. I have not been able to get statements or have access to my account. I have written letters and made multiple calls to Capital One in the past 8 months and still no statements or information about my account until they could " verify '' I am who I say I am. On XX/XX/XXXX I was finally told that my information has been verified and was allowed to be informed what was going on with my account. I was then told that {$5000.00} has been added to my account in late fee 's, interest and charges that I don't agree I made. I attempted to log into my account and I am locked out. I have requested assistance in getting my state ments. No one that I have spoken with is able to get me access. I have been told twice my statement s are in the mail, but yet to receive them. I have receive bill via e-mail stating that over {$3000.00} is due before XX/XX/XXXX. I have spoke with multiple representatives for the fraud and to complain. I have been told that I would receive a call back concerning my account and not receiving calls back. When I do call back, I am on the phone for 1-2 hours repeatedly answering the same questions and told they can not get me back to the representative I recently spoke with even when I tell them there name and contact ID. I am willing to pay on the charges that I charged. However as I was told that My account is frozen and I receive no communication from XXXX XXXX XXXX  on the progress of my account, I will not be responsible for late fees and interest rates. I believe that I should have my account summary to review the charges on my account is made Because my card # is requested I want to add the only card I ever received ended in XXXX. My identity has been associated with a card ending in XXXX, XXXX, XXXX from the conversations with Capital representatives. My identity was also associated with a bank account and the e-mail bill I did receive for {$3000.00} due XXXX is for the account ending in XXXX. No other # s and never received a card

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-19
Company: CITIBANK, N.A.
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 checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXX XXXXXXXX, Citicards CBNA, and XXXX XXXX XXXX. The Account Opened is XXXX XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$19000.00}. The Account Opened is Citicards CBNA Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$35000.00}. The Account Opened is XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$8000.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

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