BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
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 worked for XXXX XXXX where I encountered medical issues in XXXX. I had to file XXXX XXXX   XXXX. I also had to file XXXX XXXX XXXX in XXXX. 

I called capital one and informed them I was on XXXX XXXX XXXX in XXXX and in XXXX. I obtained my credit report and I see capital one has put late payments on my credit file during this time. 

The entire process I communicated with Capital One. Capital One even put me on a special payment plan during this time. Capital One failed to tell me that they would be reporting late payments while I was on XXXX XXXX XXXXXXXX. 

This is unethical. I have written several correspondences, emailed, and called capital one and have received no response to help me with removing these late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 had submitted a complaint about XXXX XXXX XXXX XXXX about a month ago in regards to them listing a loan that is showing as a charge off on my credit reports. I've had multiple loans with them that have all been paid in full and never late. Approx 6 loans. Those loans were reporting current paid in full. There was 1 that was reporting as bad. ( which is incorrect ) all loans have been paid in full and this is also going back to 2012. Today I was notified they removed 4 closed paid loans off my credit reports which caused my credit score to drop. I did not ask them to remove positive information that keeps my credit score in good standing. I had complained that this old loan which is over 7 years old be removed off my report as the information is outdated aside from that all the loans have been paid in full and satisfied. I don't know why they removed 4 loans off my credit reports.

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 2023-06-02
Company: Bread Financial 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:
I missed the payment on my account due to my being seriously sick and XXXX. I have lost out on job opportunities because of these late payment remarks.This is ALL because of the XXXX. I also could not close a home for my family due to this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Informed Portfolio Recovery to stop calling over the phone and to communicate with me in writing only. Instead of communication in writing, Portfolio Recovery keep calling from different phone numbers. The last phone number they used is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-16
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I opened a new Amex credit card in XX/XX/XXXX and have met the spending requirements for the promotion offer ( XXXX points for XXXX spending within 90 days ) for 4 months. I contacted the Amex several times and no responses. I request the offer be honored by Amex as advertised.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
Truist banking has charged me a second stop payment fee to a company I had initially placed a stop payment and paid the fee upon XXXX months prior. This has allowed the company I had originally stopped a payment against to withdraw funds from my account, and when I spoke over the phone to representatives within the company, I was definitely given the runaround, and then I personally went into a Truist banking facility, and was given to separate explanations XXXX from a manager, and XXXX from a member service representative, and neither of their explanations were the same. I complained and demanded a refund for the second stop payment charge. I had to make in order to stop a company from withdrawing funds even though I proved to them and showed them with documentation that I had already paid to stop payment fee. Very unprofessional from the branch manager at the truest banking facility I entered to try to dispute my claim.

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 monetary relief
Consumer complaint received 2023-06-02
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:
Despite multiple written requests, the unverified items in question. listed below continue to report on my credit report in violation of federal law. These items in question. must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items in question., I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-16
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: Account information incorrect

Complaint:
These are accounts are grave errors, and were settled a long time ago ... I was appalled when I viewed my report ... how can settled accounts be sold to collection agencies?? 
The original creditor informed me that these accounts were and can not be verified, so why is Equifax still reporting?? 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX {$200.00} XXXX {$59.00} XXXX {$30.00} XXXX {$480.00} XXXX {$230.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
There is personal information on my credit report that needs to be removed from my credit report. According to the fair credit reporting act 15 U.S.C. 1681. I have the right to privacy. Also according to 15 U.S.C. 6802. No financial institution is not supposed to share my financial information to third party people. 

These are clear violations of my federally protected consumer rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-14
Company: Southwest Credit Systems, L.P.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Southwest Credit System has been informed several times that this XXXX account was involved in identity theft. They refuse to remove this account and have now reported it to all three credit bureaus and they need to remove this. I have attached the Identity Theft Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report 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 2022-12-04
Company: ALLY FINANCIAL 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: Public record information inaccurate

Complaint:
On XXXX of 2021 Ally Bank report an Repossession and then later change it to charge off. 
This is not correct the car was repossession from an former business partner of mind and and since the writ of sequestration was issued wrong Ally Bank owes me an bond or remove the account. If Ally Bank refuse it will leave me no choice but to file suit against Ally Bank under the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: JPMORGAN CHASE & CO.
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: Information belongs to someone else

Complaint:
To whom it may concern on Jpmcb - Card ServiceInquiry from XX/XX/XXXX, XXXXJpmcb - Card ServiceInquiry from XX/XX/XXXX i got hit with hard pulls. I never applied or authorized anything with this company. I had spoke to chase a few times in XXXX and they had said would remove this from any credit reporting agency as this was fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-13
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX and XXXX of XXXX, PHH mortgage reported to the credit bureaus that I had missed two payments of my mortgage. I checked PHH 's system and confirmed through customer service in XXXX of XXXX that I did make attempts to make on-time payments, but there was a system error in processing the payment. Since XXXX, my XXXX checking account was stored in PHH 's system and every month I would login, the account would pre-populate teh account number and i would make my monthly payment. Since XXXX, I was never late with a single payment. PHH customer service confirmed that for an unknown reason, the system dropped a digit off of my bank account number which is why my payments were failing. In XXXX, I had to manually correct the account in their system that was modified somehow by PHH and I paid the account in full to make the mortgage current. In XXXX of XXXX, PHH customer service told me to write a letter explaining the situation ( since it was their fault that the digit of the account had dropped ) and then they would review and correct the blemishes reported to the credit agencies. On XX/XX/XXXX, I submitted a letter to PHH explaining the situation and requesting that the situation be remedied. My request was denied in XX/XX/XXXX, but a letter was never received from PHH explaining why. After months of calling in for more information, i finally was able to reach XXXX ( company ID XXXX ) who was an escalation specialist at PHH. He made two attempts to have the issue resolved and my request granted. The first request was to XXXX ' supervisor XXXX ( company ID XXXX ). XXXX declined my request as no apparent issue was identified - no other information or level of detail would be provided. XXXX then escalated to his technical team. They declined my request bc they said they didnt have widespread reports of issues with their system. I tried to explain to XXXX this was an acute issue, but he said they would not pursue the matter further. This was a system glitch on PHH 's end, they can not explain to me what happened, and have decided to leave the blemishes on my credit even though it's their system that had the glitch. No edits were made by any profile users to my account number.

There was no transparency with PHH 's escalation process and no good reason has been provided other than they don't know what caused the issue, so they are blaming me for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: Southwest Credit Systems, L.P.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I provided proof that this company was falsely representing itself as a creditor which was a deceptive practice and in violation of the Equal Credit Opportunity Act. And where is the proof of payment history of this account? The Credit Bureau chose not to investigate and chose to continue reporting fraudulent practices. That is unethical and damaging as a law-abiding consumer. REMOVE THIS COLLECTION ACCOUNT COMPLETELY FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
Company: Eastern Account Systems of Connecticut, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The medical bill is wrongly billed. Instead of medical office billing government insurance issued from medicate and or workers compensation from the United States postal service they have falsely billed me. I tried contacting medical office but everyone keeps giving me the run around stating I need to speak to another person. I contacted debt collector and they stated I have to specific information such as workers compensation case number and etc. They also said to have my medicate insurance policy number in which led me to call medical office so I can retrieve this old information. I have given all this information to medical office when I was seen and yet they still billed me wrong. I shouldnt have to suffer any longer for medical office mistake. Depot collector should verify information since they took the debt. Both parties need to communicate and vindicate my name / credit because I am not responsible for this debt. Please help me because no one at the medical office is willing to help me with any information of billing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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  and Transunion should not be reporting the collection/chargeoff in the amount of {$890.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account is being reported twice. It is a violation of the Fair Credit Reporting Act to report duplicate accounts and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-07-14
Company: Experian Information Solutions Inc.
State: AR
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:
This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report 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 2019-06-19
Company: Commonwealth Financial Systems, 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:
Collect Agency Common Wealth continue file inaccurate information on credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19
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: Account status incorrect

Complaint:
Back in XX/XX/XXXX my credit union, XXXX XXXX, notified me that they no longer wished to do business with me and that they were closing my accounts. I had a checking, savings, credit card with {$500.00} limit and a line of credit for {$1000.00}. I asked them how i was going to pay my loans off if they were closing access to my online accounts. They said not to worry about it and that they would take of the loans, and they didn't want to have anything to do with me. They made me sign a contract about the loans being paid off by them if I agreed to never seek to do business with them again. They denied me any way to pay off the loans and then 3 years later in XX/XX/XXXX they report my loans as being charged off, leaving 2 big red C-Os on my credit file. I contacted XXXX XXXX in XX/XX/XXXX about the problem and asked them to fairly report what happened. They failed to do so instead they moved the charge off date to XX/XX/XXXX.

XXXX XXXX XXXX is the party that ended the banking relationship with full knowledge that I owed on 2 loans, they denied me access online to pay my loans off. I tried in good faith to pay the 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 2018-10-02
Company: SUNTRUST BANKS, INC.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/2018, I opened a checking and savings account with SunTrust bank and was approved. I began receiving emails with my account information and instructions to fund my account. I just started a new job and was awaiting my direct deposit to hit the account to fund it. Every day since then up until Sunday XX/XX/XXXX, I received multiple emails to fund my account. The requirements stated that we had up to a few weeks to fund the account. Then on Saturday, XX/XX/XXXX, I received in the mail 2 notices that both the checking and savings accounts were closed and if it wasn't my request, to contact SunTrust directly. I contacted the customer service line on Monday, XX/XX/XXXX and was told it was due to bank regulations regarding fraud that they closed my accounts. I later received in the mail, a debit card, a debit card pin and a separate letter stating my accounts were closed by the SunTrust XXXX XXXX XXXX. I was not given an explanation of what might have happened, because I have not committed any fraud. I did get married in XXXX and my name has changed, but it's disturbing to be linked to anything fraudulent when you have not committed fraud. I understand that banks have the right o close accounts at will, but why open the account from the beginning and then suspect fraud as opposed to contacting the customer to ensure they've entered the correct information. Sometimes typos can look fraudulent, but it's just a average customer wanting to bank with a specific brand.

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