BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-12
Company: U.S. BANCORP
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
On XX/XX/XXXX I applied for a new XXXX XXXX BUSINESS visa card. I was approved. Later that month customer specialist XXXX XXXX blocked my card citing " verification purposes ''. 

Since XX/XX/XXXX XXXX XXXX asked for multiple pieces of information from me -- social security card, driver license, business license. All information was sent as requested. The account wasn't reopened and was closed on XX/XX/XXXX citing " violation of cardholder agreement '' however, there was no violation. 

I submitted a complain via CFPB about improper actions by XXXX XXXX requesting account to be reopened. The response was that I needed additional piece of information ( my social security card ) which I faxed again. The account wasn't reopened and customer representative couldn't cite the reason for it. The answer is same " unverified information '' however the bank can't say what information is needed. 

The bank refuses to honor cardholder agreement and refuses to explain their actions.

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 2018-09-18
Company: Credit Technologies, Inc.
State: CA
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:
This company checked my credit or ran a hard credit check on me WITHOUT my consent, without my authorization. Illegal! This should NOT show up on my credit report and must be deleted with all three credit agencies

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: AUTOMOTIVE CREDIT CORPORATION
State: MI
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:
After COVID19 hit I was laid off my company closed down. I contacted Automotive Credit Company to  have my payment deferred. They said they would defer them. Checked my credit reports they marked me 30 days late for XX/XX/2020, XX/XX/2020, XX/XX/2020 when I was told by the representative that they would not report any lates. I ended up paying my loan off early and they lates are on my credit reports preventing me from getting another loan. How can they do this when I had no control over not being able to work due to COVID19. I want the 30 day lates removed from my credit reports. This is so unfair.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01
Company: ERC
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:
Today I checked my credit report and discovered that this company has reported that I owe them a debt. I never received a notice from this company that I owed them a debt. My rights under the FDCPA section 809 were viloated

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I filed a complaint with the CFPB to get validation for the XXXX XXXX XXXX reporting on my credit report. The company stated that they were unable to validate or locate my account. see attachment

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-29
Company: Midwest Recovery Systems
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: Account information incorrect

Complaint:
The collection agency is re reporting a debt from XX/XX/2001 as a new debt. This debt was on my credit report for 7 years which is the statue from the credit reporting act. once that expired the company report as a new debt. I have disputed this debt with XXXX, XXXX, and XXXX. The response is inaccurate and a violation of the credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12
Company: SUNTRUST BANKS, INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
On XX/XX/XXXX I went XXXX XXXX and applied online. I look it XXXX XXXX and tried send Credit Union and you could not send it XX/XX/XXXX at XXXX XXXX. So Saturday, XX/XX/XXXX I tried it again and I could not again. So I want too XXXX XXXX XX/XX/XXXX XXXX XXXX, Account Credit Union XXXX, XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX, Tx XXXX and Social Security number XXXX. I apply XXXX XXXX XXXX {$19000.00} and gave them $ XXXX {$14000.00} total. I apply of 3, so I took XXXX XXXX   Account # XXXX, Sun Trust Bank. It took them 2 hour and not able approve XXXX, Tx. Credit went down 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 explanation
Consumer complaint received 2018-07-31
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
As of XX/XX/2018, this problem has been going on for weeks. Even when they send my a NEW confirmation number, I always get the same response " YOUR INFORMATION DOES NOT MATCH OUR RECORDS!. This is my last STOP BEFORE I Take them to court JUST BECAUSE I CAN'T get access to my credit reports!

They need to fix the problem pertaining to why I can't get access to my reports when I input the same information they send me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-05
Company: GOLDMAN SACHS BANK USA
State: CT
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:
Late fees were charged, then credited then charged again. Called Goldman Sachs on 3 occasions but could not get fee charges reversed. I ended up paying the fees so I could close the account. 
It was theirXXXX XXXX that they bought from XXXX XXXX. 
I never had any late fees or issues until Goldman Sachs took over. 
I found them very difficult to deal with.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: EQUIFAX, 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:
Equifax and XXXX are reporting incorrectly that I am 120 days past due on the XXXX/XXXX   accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 7 and 8 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. These accounts are currently coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-17
Company: U.S. BANCORP
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
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 contacted USBANK to kindly remove the 30-day late payment that they reported on my XXXX and XXXX reports but they refuse to remove it and they are in the violation per the FCRA which states that all information on credit report should be 100 % accurate.

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 2020-08-25
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
XX/XX/20 I went into XXXX XXXXXXXX XXXX at approx. XXXX. I was going to purchase a 6 pack of beer, upon inserting my debit card in the machine, it said approved and to remove the card. I did, the cashier as well and other gentleman at other register ( I believe either manager or owner ) claimed the card did not go through and to reinsert my card I did with the same results.The two gentlemen told me I needed to put my car in again, because they could see it did not go through. I refused and told them I would be checking with my bank, I left the store making no purchase or leaving with any goods. cameras in store could verify that fact. I didn't have my telephone on me at that moment, so as soon as I did I checked my account and both transactions were pending, I called TD Bank immediately, I was told to wait until next day to file a complaint to make sure transactions go through, they did and I called the bank to file complaint. TD bank sent me a letter informing me that I needed to provide a receipt for transaction which I never received anything, because other than them taking my money there was no transaction. I was told to rewrite complaint and fax to fraud dept. I did and received letter in mail saying there was no processing error and they were taking money from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: M&T BANK CORPORATION
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Please review attached documentation. 

First notice of dispute with debt validation request sent on XX/XX/2020 - no validation response from M & T Bank Second notice of dispute sent on XX/XX/2020 - no response from M & T Bank 2nd Debt Validation Letter sent on XX/XX/2020 - awaiting response from M & T Bank

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: CA
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:
This is XXXX XXXX who is submitting this CFPB complaint myself. This item is reporting late as reported in Equifax. Lets correct this immediately. Equifax is required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
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 my identity has been compromised. I don't understand why this happened to me. Please remove these fraudulent unknown accounts from my report as soon as possible. They are not mine. These accounts were open without my consent. 

XXXX XXXX {$330.00} XXXX XXXX XXXX {$1700.00} XXXX   XXXX {$19000.00} XXXX XXXX  XXXX {$500.00} XXXX XXXX {$340.00}

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 2020-08-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have a credit rating over 800, as I always pay my creditors on time, and I pay off all credit card balances every month. This month, Capital One lowered the credit limit on one of my cards from {$11000.00} to {$5000.00} because, they claim, I do not use the card enough. 

It is common knowledge that credit reporting agencies base credit ratings on, among other things, available credit. This adverse action by Capital One will, undoubtedly, lower my credit rating, even though I have never made a late payment and have never allowed this card to go over the spending limit. 

My annual use of this credit card exceeded {$50000.00} per year in XXXX and XXXX, but it dropped significantly in XXXX because of a chargeback dispute with Capital One. The current action by Capital One is clearly retaliatory. I would have disregarded it, however, if it weren't for the harm it will cause to my credit rating. 

In addition to this complaint, I will be consulting with an attorney regarding possible legal action, should I see an appreciable drop in my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
The small bank has reported an " overdraft installment loan '' to my credit report late every month since XX/XX/2014. I told CFPB and they said they sent to branch that over sees credit union 's but I never heard back. Additionally I told the big 3 credit bureaus that I never had an overdraft agreement with that bank, or an installment loan. I lived in another state ( Virginia ) and received no communication from XXXX   after we moved and the account was closed. Additionally I called them today, and they said the account was sold to a 3rd party and they had no control over the 3rd party and couldn't even speak to me about the balance or any loan documents. It is a real shame that no one can provide documents or help to fix this error. One last shot trying to contact everyone before attorneys get involved - I'm sure there are many consumer laws being broken. Please someone help.

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 2018-07-02
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 submitted a complaint multiple times to the credit bureaus regarding my paid student loan with XXXX XXXX XXXX. The loan was opened in XXXX and paid off in full in the spring of XXXX. There is a " failed to pay '' negative on my accts history from XX/XX/XXXX with Experian. Again this loan was paid in full last year. Initially the error on the acct that I made my first complaint was concerning a balance that they falsely reported in XXXX. That was reported to XXXX. They deleted the acct entirely due to my dispute and the XXXX XXXX XXXX   not getting it right. Then a month later I have the same issue, but now with Experian. Once again, I disputed it. The result of that dispute was Experian corrected the reporting of having a balance but change one mistake to another in now having this negative entry of a missed payment. So ... .again I dispute and make a complaint with you guys. To no avail as you seee because I am once again making another complaint for the same acct. I am really fed up with all of the problems with this particular acct and its mistakes. It has already cost me to loss one house that I was trying to close on but I couldn't secure the loan due to these errors. This is my second attempt at making a complaint with The Consumer Financial Protection Bureau and I really don't know where to turn next aside from contacting a lawyer. The failure of the XXXX XXXX XXXX XXXX to correctly report on my loan is drastically effecting my life and the mental anguish behind having to run behind this to correct it is becoming like a second job in which I really don't have time for.

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 2018-07-31
Company: WELLS FARGO & COMPANY
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Person called to tell me I owed XXXX for an account they would not provide the account number for. Person threatened my credit and made up false explanation for why a false debt was just now being collected on after 6 years. I called former bank of which the debt originated and they verified this was false. Person was named XXXX XXXX and claimed they had done a federal background search to find me. The number I was called from was 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 2021-05-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is the second time I have sent out a complaint about this account that I have already paid off. This account needs to be removed and deleted from my credit report due to the debt being paid in full, the following account is listed below : CAPITAL ONE # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2018-03-12
Company: EQUIFAX, INC.
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:
The company i

s Equifax Credit Bureau. Contacted twice. This is the only Credit Bureau reporting this as a negative in my credit. They indicate three negative items on my Credit Bureau report causing a reduced Credit Score. The item in question is : *You have not established a long revolving and/or open-ended account credit history. ( description -- you have not established a long revolving and/or open account credit history -- Your first revolving and/or open-ended account was opened 15 yrs, 10 months ago. ( in your case the age of your oldest revolving and/or open-ended account and /or average age of your revolving credit is relatively " low ''. 15 yrs, 10 months is relatively low? No other Credit Bureau has this listed on my credit bureau as a negative.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-07
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
IC SYSTEMS INC account no.XXXX is appearing wrongfully on my XXXX and XXXX credit reports.I recently disputed the debt with XXXX  as not mine and it was " verified '' as mine within 2 days.During that time it also appeared on my XXXX report.The original creditor is XXXX.This is not my debt, I was not living at the address at the time they say I was delinquent.The debt is an error or belongs to someone else even if they used my ID.

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 2018-09-18
Company: EZCORP, INC.
State: OK
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a call from a law firm called XXXX and XXXX phone number XXXX in reference to XXXX on XX/XX/2018 stating that EZ Corp payday loan company is seeking repayment in the amount of {$3900.00} claiming the debt is still incurring interest daily. EZ Corp was sued for this very thing a couple of years ago and given the order to cease all collection attempts as they broke the law. Now I have not dealt with this company in over 8 years so why they have a collection firm contacting me is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02
Company: Avant Credit Corporation
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I received a letter from Avant, XXXX XXXX XXXX ( second Time ) offering me a loan,,, saying you are pre-Approved .... no where in the letter was any Disclaimer that says unless your credit changed or is not good enough ... we will not honor this letter ...

any way they do this to have people apply for the loan, and than the reject it ... and write back ... you can Continue with XXXX ... sister company with very very high rates,,,,, this is criminal!!!!!! 

my Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX. 
phone # XXXX E Mail. XXXX My personal code # XXXX and the offer expire XX/XX/2018

Company response to consumer: Closed with explanation