BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-29
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I received an email alert saying I have a new document to read on my Victoria Secret credit card account online ( in XXXX of this year ). In the letter stated they were closing l my credit card due to inactivity. I had a XXXX  balance on it and had it for over a year. In XXXX of this year we had this COVID 19 pandemic. I obviously wasnt worried about using my credit card to buy bras  panties ect when my grandfather was on his death bed for a couple of months. I tried re applying and the operator said they usually do not re open closed accounts. I dont understand it was on good standing besides the 2 times I was having bank issues and my checks bounced. But that wasnt the reason for the closing because I changed my bank continued making payments and purchasing. Id love to open a new card. I tried already and got deed. Its on my credit report and Im worried it has impacted my score. This same exact thing happened with my XXXX XXXX  credit  card and my XXXX XXXX credit card. I need some advise on what to do. 

My credit score was quite good and I'd love to have kept it that way. Unfortunately thats not the case anymore

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
Transunion, XXXX  and XXXX  are all reporting incorrect balance on my auto loan with XXXX. In addition to making all regular payments on time. I've made multiple PRINCIPAL payments to expedite paying down the loan. Each credit reporting agency is reporting a loan balance of {$12000.00}. XXXX is reporting a loan balance of {$11000.00}. This has happened for two consecutive months. Failure to report my account accurately is against the Fair Credit Reporting Act Laws. I have bank statements as evidence and statements of facts.

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 2019-09-10
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I get an email on XX/XX/19 that access to my checking account has been blocked for some unknown reason. I call up on XX/XX/19, go through the gammet of questions they ask to confirm my identity, including them sending a text message to my phone and me reading the text to the service representative. I then am told there is nothing they can do for me and that they are working on a solution without any explanation of what the issue is, what their solution is, etc. leaving me without the ability to access the account where my bi-weekly paycheck is deposited, from which my bills are paid, for seemingly no reason whatsoever.

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 2020-11-13
Company: TRANSUNION INTERMEDIATE 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 am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft and fraudulent actions. I have filed the attached FTC Report, and I also reported the issue to the companies where the accounts were opened. I am seeking your assistance to please remove and DELETE the accounts that were opened by fraud as per FCRA Section 605B ( a ).

This fraud under my name and personal information are unacceptable. The listed accounts are unknown to me and they are inaccurate. My payments have been stellar and I dont remember missing a payment. Please block or remove these accounts from my credit report, pursuant to the Fair Credit Reporting Act, and send the required notifications to all furnishers of this 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 explanation
Consumer complaint received 2018-05-07
Company: CL Holdings LLC
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-01
Company: Massachusetts Educational Financing Authority
State: DE
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Denied loan

Complaint:
I applied to refinance my private student loan with MEFA and was denied. The reasons for the denial are unacceptable. My credit score is XXXX. They stated that I do not meet their minimum qualifications. There is no explanation what exactly they based their decision on.. I believe they denied my application due to age discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: CAVALRY INVESTMENTS, LLC
State: DE
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been charged with owing money because someone used a credit card issued at XXXX XXXX through XXXX in the amount of more than {$3400.00}. This was from 2017. I have not had an account with XXXX since the XXXX and have never had an account with XXXX XXXX. I have contacted XXXX and XXXX XXXX, and both have no information about me, but the debt remains on my record. Neither XXXX XXXX nor XXXX is able to do anything else to resolve this issue since they are not able to find me in their system. My ID protection adviser through XXXX has asked me to file this report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-17
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
equifax, XXXX, XXXX XXXX and XXXX XXXX have failed to do anything sent police report and hacking reports

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
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:
There are inquiries on my report from these companies that I do not recognize. I have made an attempt to contact the company to have it corrected and to prove that it was fraud without resolve. I have filed a formal police report in XXXX, AL. The case number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit 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:
OK HAD LEFT AN ACCOUNT GO DORMANT THEN I NEEDED CLOTHES FOR MYSELF AND MY VETERAN PARTNER XXXX XXXX  ANYWAY THEY LET SALES GO THROUGH I SENT BACK THROUGH CERTIFIED MAIL A LARGE BOX OF RETURNS FOR THEM THEY DO NOT CREDIT ME AND I AM NOT PAYING THEM THEY CLOSED OR DIDN'T CLOSE OR I CLOSED I FEEL AWHILE AGO. 

IT IS THE MOST FREQUENT CALLER OR PUPPY SELLERS IDK

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17
Company: Early Warning Services, LLC
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Dates : XX/XX//2019 ; {$250.00} : Tried reaching the person phone number, IM him but he removed from group does not pick up the call. 

He has an advertisement in XXXX and send some documents to support him. 

There is no company involved I transferred to the person through XXXX. 
I have his full billing address that too post paid from XXXX. 

XXXX XXXX XXXX, GA, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I am bank of America 2 years ago I got strange checks deposit then withdraw done in XXXX while I am leaving in Delaware .Now bank of America want me to pay it.

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 2018-02-02
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
On XX/XX/2018 I received an alert that I have a debt. First of all I dont know where this came from. The address listed on this account isnt mine so how could this debt be for me? I have phone services with XXXX XXXX XXXX, I never had any mobile services with XXXX so I am unaware of this error that your company is reporting inaccurately. I have contacted the Police department and this is being investigated as to where this came from. I have filed an FTC Complaint and I am now forced to take legal actions for accusing me of owing a debt to your company. If this debt isnt removed there will be consequences and fines when we are due to be in court I will be suing for damages that you have caused and the distress on my life and credit file. Your company reported an error on my report. I will forward all records of documents to my lawyer and we will begin the process of taking this court immediately. I asked your company to verify and signatures, documents or any contracts bearing my signature along with the steps your company took to verify this debt. I called an explain that this account didnt belong to me and Im unaware of it and the rep told me I would have to pay no matter what. You cant force a bill on a consumer because the name and the social apprears on the account. I am an identity theft victim and I my files have been leaked in the XXXX  credit breach. I believe this may be the reason for this debt. If you continue to place error accounts or information on my credit without doing a thorough 100 % validation that this debt belongs to me then it must be removed by law because youve violated my rights and laws within the FCRA sections 609, 611, 612, 605 and FACTA.

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 2019-09-10
Company: Mr. Cooper Group Inc.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
How do these people get away with what they do to people!?!? They told us, In order to do a moderation you cant make payments on the account until the moderation has gone through. Well, 8 months later after a very lengthy conversation back and forth of why the moderation was never sent to the under writers. Literally things like the phone number was in the wrong place so we had to resend the documents or the address was to low, or the name wasnt legible, you name an excuse, they gave it to us. So once they said too much time had gone by and wed have to start over again, I said no way, because for one they put our house into active foreclosure!!! It set to go for sale on the XXXX. We are trying to send them the money. They dodge our calls, put us on hold and hang up, give us bogus ways that they know wont work to get the money to them because they want our house! Not to mention, every time I call them they tell me this amount is good until the sale on the XXXX, then I finally get someone, by getting around their dodging us and the amount goes up XXXX $ more in 2 days!!!!!!!! 
Im lost and only have a few days left. Someone please help me and let me know what to do. We cant loose our house because they want our oil and gas land!!!! Please HELP!! Tell me what I can do to stop this! We live in a small town and dont have attorneys-that are big enough to take the case. Im so lost. How do they get away with this???? Why is this legal??? Why isnt there more help out there for people being victimized by these big banks????

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I don't know how to go about getting this corrected so I was told to file a complaint if things on my credit were incorrect. My name is XXXX XXXX XXXX XXXX live at XXXX XXXX XXXX XXXX OHIO XXXX. My DOB XXXX My SS # XXXX. I found an incorrect spelling of my name ( XXXX XXXX ) not name please delete it. I was looking further into my file I found addresses that I never lived at. Please delete the following unknown addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX PL XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17
Company: KEYCORP
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, I emailed KeyBank and advised them that I have not received statement on my mobile/online banking for over 6 months. Instead, When I click to download my statement, a notice appears telling me that my account is undergoing technical difficulties. Again, I have been receiving this same notice for 6 months or more now. KeyBank responded XX/XX/XXXX, apologized and stated that the issue would be corrected in 4 to 5 business days. My confirmation # for this complaint is XXXX. On XX/XX/XXXX, I logged in to KeyBank again, to view my statement and make a payment. There was no statement and In its place, another notice that my account is undergoing technical difficulties. I Have paid my loan monthly and on time b/c I have received statements in the mail. I have not seen a statement for the month XXXX. I have not received it in the mail, and it is not posted online. I will gladly make payment but need to view my statement first. I do not wish to receive statements via mail, and would prefer statements be posted to mobile site for convenience. Either way, I at least need to see my statement. I e-mailed KeyBank again on XX/XX/XXXX regarding this issue and have had no response back. I Am disappointed with KeyBank service. I have had several issue in the recent past. This now my 3 CFPB complaint. It is the only way things seem to get resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
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:
I HAVE SENT NUMEROUS NOTARIZED AND CERTIFIED AFFADAVIT TO THE CREDIT BUREAUS IN REGARDS TO BANKRUPTCY AND THE ACCOUNT UNDER THE BANKRUPTCY I SENT CERTIFIED LETTER TO THE COURTHOUSE IN REGARDS TO IF THE COURT REPORT ANY INFORMATION TO CREDIT REPORTING AGENCIES SUCH AS XXXX  XXXX AND EXPERIAN AND THEY WROTE ME BACK SAYING THE COURT DOES NOT PROVIDE ANY INFORMATION TO CREDIT REPORTING AGENCIES THESE AGENCIES OBTAIN THEIR INFORMATION THROUGH PUBLICLY AVAILABLE MEANS EVEN THOU THE LIE AND SAY THAT ITS HAS BEEN VERIFIED THAT GOES AGAINST THE FCRA THEY ARE LIARS SAYING THEY VERIFIED THE LETTER SENT BACK FROM THE COURT HOUSE SAYS THEY DO NOT PROVIDE ANY INFO

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 2021-06-01
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
The account should be deleted but still appears on the credit. It has been 7years however it is still there.

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 2020-07-29
Company: Specialized Loan Servicing Holdings LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Specialized Loan Services was provided documentation to show when payments were made for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, indicating paid within the same month and should not reflect 30 day late against my credit report. 

Specialized Loan Services agreed to remove the 30 day late for XX/XX/XXXX and XX/XX/XXXX however have not done so to date nor have re-reported to credit bureaus as promised. 

The organization also request proof of payment for XX/XX/XXXX for review for consideration of removing both 30 day late for XXXX and XX/XX/XXXX. Proof of payments have been provided, however still no updates nor updates to my credit report. 

I ask for speedy review and response, especially during unprecedented times such as these, as I need to be able to use my credit without inaccurate blemish to sustain my business. And wish to not spend unnecessarily resources on litigation of this matter, as I believe Specialized Loan Services will do the right thing here.

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 2021-06-29
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal has closed my account without giving a reason as to why. I was following their terms of service and wrote to them after the fact but all I have received is an automated reply telling me nothing. I depend on PayPal for my business and I feel i am unfairly treated by them. The email linked to my PayPal account is : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: Kriya Capital, LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
this account was removed by CFPB from all three credit reports due to not being verified as being mine 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-22
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
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 XXXX**** ; XXXX XXXX** ; XXXX XXXX XXXX XXXX**** ; XXXX XXXX XXXX XXXX**** ; XXXX XXXX XXXX XXXX XXXX**** ; XXXX XXXX XXXX**** ; XXXX XXXX ( Original Creditor : 12 XXXX XXXX XXXX ) XXXX**** ; XXXX ( Original Creditor : 11 XXXX   XXXX ) XXXX**** and 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 2018-06-14
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:
I have disputed XXXX XXXX since XX/XX/2017. Each time it comes backs as verified. I have asked them what method they used to verify that the accounts were in deed mine. They have not submitted to me the information i requested in accordance to the FCRA they are required to give me that information. What they did do was remove my accounts that were in good standing. I had to call the companies to get them to add them back to my credit report. They also have added a personal statement that I did not authorize. It is causing me to to have issues with creditors. I asked them to remove it. But they have not. Also asked the. To remove the hard inquiries that I didnt authorize. And that is not done. 

Also I sent In the verification that I have settled my account with XXXX XXXX. And the collections company called XXXX XXXX is still showing.

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