BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-13
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have a credit card with XXXX XXXX department store. My credit limit was {$2200.00} dollars with only one late payment reported on my credit history with the credit card. In XXXX, I received no mailer ( although they said that they mailed one ) that my credit limit was being decreased. The decrease was not due to my credit history with XXXX XXXX, but with a recent pull of my credit report. XXXX XXXX reduced my credit limit to just {$14.00} above my balance. This limit would be me over my new credit limit once the interest posts ( about $ XXXXmonth ) for the current month. When I called, the representative told me that the credit reporting agency determines the credit limit. After talking to a supervisor, they said that it was due to information received from the credit reporting agency. My issues and questions are as follows : 1. Why would XXXX XXXX pull my credit report again after establishing credit with them? 
2. They do not offer automatic payment options ( only one time early schedule ) which seems predatory because then they have a greater chance of missed payment and increased fees. 
3. Because they decided to decrease my limit, they have made it look like I have maxed out my credit limit ( which damages my credit ) when they actually decided to decrease it by {$800.00} in less than a week before statement cutoff time. Prior to the decrease, I used 59 % of my credit limit, after the decrease, I am 99 % of my credit limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: OneMain Finance Corporation
State: OK
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:
Not applicable to me, Fraudulent Account on my credit report I have sent in numerous letters in attempt to verify and get this resolved off my credit report, I have also sent letters to XXXX, XXXX and other reporting agencies and they all keep pointing the fingers. 

The company states that they can not find me in their system yet the company is listed as inquiry on my consumer report. I would like this inquiry and others removed expeditiously as they were opened without my written or informed consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29
Company: WAKEFIELD & ASSOCIATES, INC.
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have received multiple calls regarding medical Debt. 
I am under age but currently do not live with my parents.I have stated to the collection company multiple times, not to contact me and to reach out to my parents. They continuously continue to call my personal cell phone number in attempt to collect debt. I spoke with them today XX/XX/2019 and stated the same thing, after telling them I was a minor they demanded my date of birth after giving it to them they confronted me that I was lying. It was a very stressful situation and did not know what to do. I am not use to dealing with this type of calls, and I began crying about the situation. I feel like I am being harassed and confronted every time they call. My brother in law tried giving them a call to inform them about the situation to let them know to contact my parents, but the representative insisted that my name is on the debt. We tried explaining to them that they can NOT contact a minors personal cell phone to collect the debt and he disagree with me and said that her name is on 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 2019-01-29
Company: SUNTRUST BANKS, INC.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On Sunday, XX/XX/2019 I attempted to withdraw cash from a Suntrust ATM, however, upon putting in my card, there was no option to withdraw cash. Assuming the machine was simply out of order, I drove to another Suntrust but encountered the exact same problem. Upon contacting my parents, I learned they had the same issue that day. So Suntrust was essentially making it impossible for us to access funds. I had to drive to another bank and pay a {$3.00} fee to withdraw money. Now Suntrust has charged me an additional {$3.00} fee for using another ATM. This is absolutely ridiculous- their machines aren't working and they are going to charge me for getting my funds out via another bank? This seems an awful lot like holding my money for ransom.

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 2021-12-02
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint:
Last XXXX around XXXX Well Fargo number XXXX call me about an activity that saying my card was used in Alabama in the amount of & XXXX and {$300.00} @ XXXX XXXX. the person I was talking to said that if i want to reedem my account/money back I need to tell them the code that he will sent on me, and because its a Wells Fargo number I did trust and give the code that they sent me. And after that he keep on sending code and ask me the code over and over again like 20x and I also tell them that code cause thats what they want just to get back the money that was used in Alabama. I didnt think that it was a scam cause i trully trust that it was a Wells Fargo staff/representative so i give all they wanted, the call was almost an hour long. And after that call I check my online bank and I saw that all my money was gone and I call the Wells Fargo number that was indicate on the online app right away and report all what happen.Wells Fargo give me a claim number but then after over 10days I received a call from them saying my claim was denied. I dont know what to do I was scam for almost {$17.00} thousand .Please help me how to return my money back that I earn for how many years. Just in case please reach me out at my email address XXXX, my phone number is XXXX my name is XXXX XXXX XXXX. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
XXXX XXXX established a loan with One Main Financial. Due to personal circumstances including the finalizing of a divorce, he became behind on payments. In the winter of XX/XX/XXXX, he was offered a settlement amount of {$1300.00} which was pain in XX/XX/XXXX. A letter, which unfortunately was lost in changing housing situations, was received documenting the account as paid in full. No further communication or efforts to collect the debt were received from OneMain Financial until XX/XX/XXXX. 

After repeated phone calls without messages - sufficient enough to disrupt his work day - XXXX spoke to a representative who then stated XXXX was months behind on payments. The representative failed to identify himself appropriately. When XXXX disputed the information verbally, he was advised that payment needed to be made or further debt collection practices would occur.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
The company did not address showing this as consumer closed. They can keep their apologies. One loan I had for 7 years. They failed to send me disclosures and terms of agreement before they closed out the accounts. The company failed to give me proper notice of the closings until they actually closed the accounts. Per the attachment they did not notify me of the recourse until it happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX  Account : XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX  XXXX - Account # XXXX has violated my rights 15 U.S.C. 1861 section 602 A. States I have the right to privacy. 

15 U.S.C. 1861 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a 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 explanation
Consumer complaint received 2022-08-13
Company: EQUIFAX, INC.
State: MN
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 want to know why it is that every time something positive happens on my credit report my score reduces or stays the same I have was told by the reporting agencies that if I paid off a collection that was on my account that my score would increase at least by XXXX points it has stayed the same I've paid off this debt the debt was not mine and I was forced to pay it off understanding that I would be increasing my score by XXXX points if I did so I did my part they did not do their part I want to know why I'm being targeted and anything that positive that happens with my credit my score goes down or stays the same I don't understand why they're doing this I would like you to help me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 want to know why it is that every time something positive happens on my credit report my score reduces or stays the same I have was told by the reporting agencies that if I paid off a collection that was on my account that my score would increase at least by XXXX points it has stayed the same I've paid off this debt the debt was not mine and I was forced to pay it off understanding that I would be increasing my score by XXXX points if I did so I did my part they did not do their part I want to know why I'm being targeted and anything that positive that happens with my credit my score goes down or stays the same I don't understand why they're doing this I would like you to help me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
1. Changed CD interest payment dates in the past from 15th to 14th, in order to short change us in the upcoming payment. 

2. Made my husband look like, he owns XXXX XXXX XXXX. 

3. There are two CD maturity dates, CPO 360 insists the wrong date is the right one. 

4. Falsified records and changed the rule whenever they wanted. 

5. My website does n't look like bank website. 

There are a lot more, but I will let my report speaks for itself.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: Idaho Housing And Finance Association
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I reached out to the Company via this Platform and received a response that is not any where near what I was told by the representatives that I have dealt with. 

They claim that a letter was sent that in conjunction with what was done. I was told By their XXXX XXXX that seeing as we were trying to get our loan refinanced as not only have housing prices risen but that rates had dropped and we wanted to lock in the better rate that we had been given. 

What prompted this was the fact that our house price had gone up without explanation and when reaching out could not get anything from them until they called trying to collect the amount that was left off. That is one reason why we wanted to refinance as the communication is beyond poor. In the previous complaint they addressed this portion and that is it. 

What was failed to address was the rep said he was getting with credit to keep any late notices off so that we could get the refinance completed and that it would hold off for 60 days so that this could happen due to their noncommunication. 

It was not a week later that this hit according to the lender that we are trying to use that this hit after talking to him. This is a case in point as to why we want to go else where no one here sticks to what they say.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Inacurrate and fraudulent accounts reported 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 non-monetary relief
Consumer complaint received 2019-05-13
Company: SYNCHRONY FINANCIAL
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 put in a letter here about how there was 2 fraud hard inquiries that were not authorized by me made on XX/XX/2019 for XXXX  XXXX and jc penny. I got a letter back saying some ip address I am unaware of. This ip address was used on both applications. I was told by customer service to submit a letter and than when I got a letter back basically implying I did make these inquires which is in accurate I have made every attempt to call any # on the letter and have told each person I have spoken to that I need a rep to call me back so we can resolve this matter as I don't want my credit score effected by something I did not do. 

There was a letter in mail from a women XXXX XXXX who I have left over 10 messages with to call me to no call back. I have spoke to others at synchonry back and just keep getting the run around. It's been over 30 years and I feel that under the fair credit act this should be reversed since I have no idea with all due respect how this happened and clearly was not made by me. 

In the letter it stated there was attempts to call me but I never got any said calls. If someone can please finally help me with this nightmare.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-13
Company: FIRST ADVANTAGE CORPORATION
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Okay, so every time I apply to job & the company runs a Background check it always come back inaccurate.The charges & criminal history is not mines, I have no criminal background.Me & this person so happen to have the same name unfortunately for me.I have called first advantage & filled multiple disputes and it continues to happen time after time after time.I Just want my name cleared cause this misunderstanding been costing me jobs.I would really appreciate it if I can talk to one of you to verify who I am.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: PREFERRED CREDIT INC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
None of these fraudulent accounts are related to any of my legit transactions. Recently I was checking my credit and I found these accounts that don't belong to me. These accounts are the result of identity theft. I don't know who the perpetrator is and I need these fraud accounts removed as soon as possible. My personal information was a part of the XXXX  Data Breach in XXXX and I assume that is when my identity was stolen. 

These are the fraudulent accounts : XXXX  CARD that opened last XX/XX/XXXX, XXXX  XXXX  that opened last XX/XX/XXXX, XXXX XXXX XXXX XXXX that opened last XX/XX/XXXX, XXXX XXXX XXXX  XXXX XXXX  XXXX  that opened last XX/XX/XXXX, and XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX that opened last XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: EQUIFAX, INC.
State: AZ
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:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
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:
I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my 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 2019-01-29
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
First of all, your categories did not cover my complaint. So it is actually none of the above I just chose ANYTHING to get to the next page. You guys need a category that is called customer service complaint. There is no way to talk to a real person at Experian despite the seven different phone numbers that they ostensibly provide to '' contact customer service '' it doesn't matter what you do you are dragged to the same rat Maze and given only two measly choices one is putting a fraud alert on and one is ordering your car there are no options to talk to an agent AT ALL!! Experian has something on my credit report about me that says my social security number was used with an old address of mine and when I read who the inquiry was it was something I did not understand and that I needed Experian to translate since the title of the inquiry was some initial, XXXX a couple of other words, and then the word experian ... despite two hours of searching on the internet and everything I could find the same 800 numbers for Experian from their website telling me to reach out to them through XXXX or XXXX or some other kind of nonsense. They need an 800 number that actually works, that one of the options is to talk to an agent. That they have so much of my personal information and they're getting paid to do a job and with no way of anyone to actually speak to them.

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 2019-01-29
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:
I have been a victim of identity theft so I reached out to the 3 main credit bureaus XXXX, Experian, and XXXX to have them to delete the fraudulent accounts and they have refused to due so. I have even provided them with a identity theft report in support. The account is listed below : XXXX XXXX XXXX in the amount of {$5800.00} on the date of XX/XX/2018 it was opened. 

I ask that you remove this account from my credit report. Thank you!

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 2017-12-18
Company: Early Warning Services, LLC
State: NJ
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:
XXXX XXXX is reporting incorrect information on behalf of XXXX  of XXXX.

Company response to consumer: Closed with explanation