BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-30
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the XXXX  data breach and may have gotten into the hands of the wrong person.

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 2020-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
To whom it may Concern I check My Credit and I see That Child Support Has Me Negative on my credit I have proof that its paid in full, Attached with this form will be receipt of full Payment of XXXX I Called The Child Support Enforcement Center, They told me that they would correct the Mistake .... 
well that never Happen, so I'm making this report to help me resolve this matter I only want to do right, if I paid my full balance and have proof why this is not showing on my report that this Account is paid in ful

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 2020-11-30
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2020-11-30
Company: Flagstar Bank, N.A.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
on XX/XX/2020 I recieved a online notice from Flagstar Bank that they would no longer accept ACH payments from my XXXX account. This is the same account that they have accepted payments from for two years. They are mandating that I only use a Personal bank Account to make the ACH payments from. I talked to their customer care supervisor and she took my complaint and said there was nothing she could do since they changed payment providers. I need to know if it is legal for them to deny a mortgage payment via ACH from a business bank account?

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 2020-08-31
Company: EQUIFAX, INC.
State: MA
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:
How are you? Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-03
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
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 recently opened HSBC XXXX XXXX XXXX XXXX Credit Card. One of the main reasons was because of the free airport lounge access feature provided by XXXX. After accessing several airport lounges with the credit card, I was surprised to find the charges on my credit card statement. XXXX XX/XX/18 {$54.00} and XX/XX/18 {$27.00}. When I called HSBC to dispute these charges, I was told that I had to go online and register with XXXX before I can access the airport lounges. I did not see that requirement in the guide to benefits and terms & conditions ( will attach below ). I also called HSBC before my travels to confirm how to access the airport lounges and was told by customer service I only had to present my HSBC XXXX XXXX XXXX XXXX. Below is the email I sent to HSBC : Dear Customer Relations, I am very disappointed with the XXXX XXXX XXXX. One of the main reasons I switched to this card was for the airport lounge access. This is what is stated in the guide to benefits : " Before traveling, clients can log on to the XXXX Airport Experiences provided by XXXX website or access the smartphone app and view a list of participating lounges. '' This is exactly what I did and went to the participating lounges on the XXXX website. 

The guide to benefits also says " HSBC XXXX XXXX Elite XXXX credit card clients present their card or XXXX access QR code found in the XXXX XXXX XXXX provided by XXXX Smartphone app to gain admission for themselves. '' " To gain access to the lounges, a client only needs to quote " XXXX '' or XXXX XXXX XXXX at the participating lounge. Then the client simply presents their HSBC XXXX XXXX XXXX XXXX to the lounge operator or present their XXXX Access QR code. '' I presented the HSBC XXXX XXXX XXXX XXXX. I do not see anywhere in the guide to benefits, that says I must register with XXXX or must download the app. I also called HSBC customer service before my travels and confirmed to gain access to lounges I need to simply present my HSBC XXXX XXXX XXXX XXXX. 

I believe this is fraud and misrepresentation and HSBC should refund the lounge charges. I will be filing a complaint with the Consumer Financial Protection Bureau and pursuing a class action lawsuit. I don't think I am the only premier card holder affected by this. I will take my banking business elsewhere. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
How are you? Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

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 2017-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 balances with XXXX XXXX XXXX and it was turned over to XXXX XXXX XXXX XXXX. The agency has listed each account individually on my and my husbands credit report. We have total Balance of {$15000.00} from datesXX/XX/XXXX to XX/XX/XXXX. That is owed to both XXXX hospital and XXXX XXXX. I Have disputed the amount of accounts listed on my credit report as many companies have advised me that this does not seem ethical to have 132 medical accounts listed individually. These accounts range from {$11.00} to {$2400.00}. I can understand putting the collection balances on my credit report but not listing it 132 times each individually. I have contacted XXXX multiple times to ask them to combine the balances into 1 or 2 balances they have responded that they will not remove the multiple listed accounts, they also advised that if I paid the balance to {$0.00} they will still be listed individually. My credit report is 30 pages long due to 132 medical accounts listed individually.
This should not be legal, it is legal to add collections to someone credit report but not list it individually like that. I have had so many people tell me that this is not legal or ethical.

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 2019-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had an account with XXXX  back in XXXXXX/XX/XXXX. According to MyFico score reports, XXXX  & Transunion showed a 30 day late status for XX/XX/XXXX, while XXXX  showed a 30 day late status for XX/XX/XXXX. See attached. 

I disputed the account history in order to have the report corrected, and at that time, XXXX XXXX XXXX  appears to have added another 30-day late status to each of my reports. 

I only paid this account late one time. In fact, every single other payment aside from that one were made early. If that's not the case, I'd like XXXX XXXX XXXX  to furnish documentation to prove otherwise. 

Clearly this is not accurate, and I'm quite sure they're retaliating against me for the less than favorable reviews I left them on XXXX, XXXX, and 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 2021-02-22
Company: SYNCHRONY FINANCIAL
State: MN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I was trying to make a payment on my new Paypal Credit account, but whenever I would try to add my bank details, I would get the error message " Sorry, that bank is already linked to the maximum number of PayPal accounts. '' even though I do not have other Paypal accounts. This is my checking account, this is my way of paying my bill, and I find it really shady that PayPal is blocking my way of paying my account. It said that it was having security problems and that this would be better, but it did not get better. 

Also, there was an advertised sign-up bonus of {$10.00}, but my first transaction did not go through due to problems on the merchant 's website, and even though customer service said that they would give me my sign-up bonus despite these " technology problems '' they have not.

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 2019-10-10
Company: AMERICAN HONDA FINANCE CORP
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: Account information incorrect

Complaint:
My XXXX credit report incorrectly lists an open auto loan with a balance from American Honda Finance. I sent a dispute with XXXX who contacted American Honda Finance who informed them the information was correct and no changes were completed. I contacted American Honda and they told me that that account was closed with XXXX balance. I contacted XXXX and they told me that American Honda reported the account was still open and there is a balance. Both companies are blaming the other for the mistake yet no one will remove this information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: CREDIT ACCEPTANCE CORPORATION
State: IL
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 account was opened fraudulently on XX/XX/2014 and is left with the balance of {$5400.00}. I've since filed identity theft, sent off a notarized dispute letter with an affidavit, and I'm now filing a complaint as the discrepancy remains reflective on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: ENCORE CAPITAL GROUP INC.
State: CO
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 recently applied for a home loan and was denied do to fraudulent activities. I have never applied for XXXX XXXX  credit cards or have I used this card. I have recently tried to dispute this directly with the bureaus and asked for an Itemized bill, they verified as accurate. This is not fair to me because in fact the information is inaccurate. I have been dealing with identity theft since XX/XX/XXXX. My name is very common and all these items on my credit report have affected my life negatively. I am unable to apply for Personal loans, Credit cards, Car loans, Phone services or even a Home loan. I called XXXX XXXX  XXXX to provide them with a police report number XXXX that I filed with Officer XXXX. I have also had issues with the IRS because of this. Somebody else is using my SSN and/or there's a mistake when these companies are adding them to my report and there not checking for the correct SSN & DOB and just applying it to the first person they come across with my exact name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-23
Company: BERKSHIRE HILLS BANCORP, INC
State: MA
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 was laid off from work due to COVID-19 find out my XXXX and XXXX pmt are late. I call Im they tell me payments were applied incorrectly. I cal back again in XXXX was advised of the same thing and everything would fall into place and be on time so I make my XXXX payment and its reported 30 days late after I was advised when making the payment it would be on time and not reported late. This is been going on for 4months I call and I get we will call you back and no response. Now Im 3 months late on my account when I was advised everything would be Fine and pmts would not be late

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 2018-03-31
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Dear CFPB, I wrote to you a few months ago about XXXX XXXX  who has been pestering me with pre-approved offers on credit cards for many months now - they are FILLING up my mail box with their half-scam product offers, and I called them so many times and they said they removed me from the list, but it just continued. I travel a lot, so often when I return home the mail box is so full of their envelopes that my actual mail and bills doesn't fit in the mail box anymore and is scattered underneath it. 

I have now received a letter from XXXX XXXX saying they have removed my name from the list ( but there were also two new ( undated ) promotional envelopes in the mail box, so I'm not sure I trust this ). 

However, the reason I'm contacting you now is that on top of my incredible frustrating experience with XXXX XXXX today my mailbox was filled to the brim with TEN envelopes offering me pre approved credit cards, not only from XXXX XXXX, but two NEW companies have started pestering me now too : XXXX XXXX and Citibank. I have called both to complain and have my name removed and while Citibank have now held me at a hold for 36 minutes ( still counting ), XXXX was somewhat helpful and informed me that they have gotten my information ( because I have never had anything to do with either one of these three banks, so it is even more insulting that they are spamming me to this degree! ) from one of the three credit bureaus ( XXXX   XXXX and/or XXXX ). They couldn't tell me which one specifically. 

Is there a way that you can PLEASE help me STOP these credit bureaus from sharing ( or selling? ) my personal information to all these credit card companies? I really feel so pestered and tired by this. Often their envelopes come with big red writing " URGENT RESPONSE NEEDED '' etc, and it's so uncomfortable. And most importantly it drowns my normal mail and packs up my mail box. I don't want these credit card offers in my mail box!

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 2020-11-30
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: Was not notified of investigation status or results

Complaint:
For 10 months I mailed dispute letters to XXXX, XXXX, and TransUnion regarding the correction of several inaccuracies on the following accounts XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX  - XXXX  Pursuant to 15 U.S. Code 1692g, letters requesting the validation of debt were mailed on XX/XX/2020 directly to XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  In accordance to 15 U.S. Code 1692g XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  were to provide a breakdown of what the past due balance is for and a copy of the original signed contract from the original creditor. As of today, the credit reporting agencies XXXX XXXX, XXXX, and TransUnion ) and credit furnishers have yet to respond back to the disputes, debt validation, and section 609 requests.

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 2019-03-04
Company: Penn Credit Corporation
State: NY
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:
Frequent or repeated harassment. Pen credit corporation continues to call me in an attempt to collect a debt not owed. I asked them to stop calling several times.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
XXXX pulled my credit and I was pre approved. They pulled three credits at different times bringing down my score.

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 2021-03-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
On XX/XX/2021 I went into my Capitol One credit card app to make a payment on one of my credit cards and to find that a bankruptcy was filed under one of my credit cards. I immediately contacted Capitol One to resolve the issue. 3 days later, what I thought was resolved, actually was placed into collections and my card was " Charged Off '', by Capitol One. I have a credit limit of {$300.00} and had a balance of {$110.00}. I had never been late on a payment and now I'm 2 weeks from applying for a mortgage and this could hinder me from getting a mortgage. I've multiple attempts/complaints to Capitol One credit card and they keep giving me the run around. 
I did not file bankruptcy and i shouldn't be having this issue. 

Please advise on what to do next. 

Thank you for your cooperation XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation