BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-10
Company: Experian Information Solutions Inc.
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX Balance : {$4200.00} XXXX XXXX XXXXXXXX Balance : {$23000.00}

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 non-monetary relief
Consumer complaint received 2020-07-15
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
MERCANTILE ADJMNT BUR Paid-However creditor left on report as open collections. And needs to be removed. 
XX/XX/2019 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-02
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
In XX/XX/XXXX I applied for a Citi card because they had an offer for a {$250.00} statement credit to book a flight. I applied through Citi and not the airline. I called them in XX/XX/XXXX and told them that I didn't apply correctly and I may have to cancel the card and reapply to get the credit. I was told that I would still get the credit and I didn't need to cancel. On XX/XX/XXXX, I'm ready to book my flight through XXXX XXXX. I called Citi again to make absolutely sure that I would get my statement credit. I was told that I would get it. I booked my flight through XXXX XXXX using my new Citi card. A couple of weeks later on XX/XX/XXXX, I check my credit account and I don't see any credits. I call Citi the same day. I was told that I do not qualify for the credit. The agent said that they would file a dispute and I would get written notice in a couple of weeks. I received a letter on XX/XX/XXXXstating that I don't qualify for the credit because the credit is only for flights. I call Citi on XX/XX/XXXX. I was again told that I don't qualify for the credit. I was eventually transferred to a senior agent. She told me that if I found proof that I was offered the credit she would apply for the credit. I was very angry at this point. I threatened to cancel both of my Citi cards, but I did not instruct her to cancel either card at this point. I eventually hung up on her. I checked my account on XX/XX/XXXX as I was doing my monthly bills and I saw a message that my card had been cancelled. I called Citi the same day. The agent said that the notes said that I requested to cancel my card. I said that this is incorrect because my flight is next month and I'm sure that I wouldn't get my travel benefits such as preferred seating and checked bags free. He said that my card is cancelled and there's nothing he can do about it. He does agree that I should have received the {$250.00} statement credit, but it's too late to fix it now. I ask for his supervisor. He says that there's nothing he can do. I tell him to cancel my other Citi card as I want nothing to do with 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 2019-03-02
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 have written this company several times to remove this misleading account on my credit profile. They refuse to remove this fraudulent account that is ruining my credit rating that is preventing me from obtaining a mortgage. 

I have reported to ftc and sent Experian the paper work. They have still failed to send me proof of original contract for the fraudulent account. I need this fraudulent account remove immediately.

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 2019-03-02
Company: Paypal Holdings, Inc
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
I purchased this ring on line from XXXX. On line price was {$20.00}, I was charged unit price {$16.00} on XXXX receipt ( attachment 1 ), charged on PayPal $ XXXX % tax = {$17.00} on XX/XX/XXXX. 
I returned the ring on XX/XX/XXXX because I did not like how it looked on me and it felt too thick and not comfortable. ( see attachment 2 return receipt ) On XXXX order status ( attachment 3 ) it list item as Shipping Status : Return. This is correct, the item is returned. 
Attachment 4 is XXXX return receipt for the item. It shows my item as returned and credited at {$20.00}. XXXX refunded my momey to PayPal, but PayPal did not refund my money to me. 
I filed the dispute with PayPal on XX/XX/XXXX. PayPal denied my request for money refund, I never quire understood why. Pay Pal does not have a call number to call or email, and I had to follow their process to request my refund money. 
After I was denied a refund, I appealed the case with PayPal, and on XX/XX/XXXX I was informed that We reviewed your transaction ( s ) and are denying your case ( s ). This decision was made because we never received documentation that proves you are due a credit. ( attachment 5 ) In summary, I should be given my money back from PayPal. I retuned the item and was given a receipt of return from XXXX. I was given a copy that XXXX refunded my money to PayPal ( attachment4 ) PayPal is refusing to give me my money they state they never received documentation that proves that I am due this credit. 
Can you please help me and recover the {$17.00} from PayPal? 
Should you have any questions, please let me know. 
PayPal Dispute Case ID : XXXX Transaction Amount : $ XXXX Dispute Amount : $ XXXX Transaction XXXX Transaction Date : XX/XX/XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-30
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: Their investigation did not fix an error on your report

Complaint:
I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: HI
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:
Capital One is reporting unvalidated negative information on my credit profile to the three major credit bureaus ( XXXX, XXXX, & XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I, XXXX XXXX XXXX identify as a natural person and consumer. My federally protected consumer rights have been violated pursuant to 15 U.S.C 1681 Permissible Purpose of credit reports. The Fair Credit Reporting Act has been put in place to ensure that consumer reporting agencies maintain fair and equitable reporting. The attached letter contains accounts that are not fair and equitable to me as the consumer. I sent the attached letters XX/XX/2021 and I have yet to receive any response from the consumer reporting agencies listed. Please investigate this issue immediately. I am prepared to seek all proper remedies in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
I want an investigation with XXXX XXXX as their seems to be an hard inquiry on my credit report with transunion. I investigate my report on XX/XX/2022 through TransUnion. The date the hard inquiry was reported was on XX/XX/2022. This was never establish through me because I was in process or preparing with filing XXXX XXXX XXXX. The date I filed bankruptcy was XX/XX/2022.

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 2022-10-26
Company: Experian Information Solutions Inc.
State: IL
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:
I abhor this! I've sent complaints and sent disputes for months, but I've seen no response to my complaints. I'm being hurt and under a lot of stress as a result of this.

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 2019-03-26
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My name is XXXX XXXX and my wife and I took a used vehicle loan with XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX. We were unable to keep the car and had it Voluntarily repoed. 

They sold the vehicle at a auction and we never got a amount owed from the sale. Now XXXX is reporting late payments on a account that shows still open from 4 years ago on the car payment. Also that we owe a amount we have never seen. States account is still open and active. This is deceptive meant to destroy my credit. Also shows a bogus bank account when I had a savings account with them that I closed as owing money. Both accounts have been reported as recent as XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-02
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I requested a loan modification workout out in XX/XX/XXXX due to the Department of Treasury approval of a 30 % cut in my pension effective XX/XX/XXXX. I am XXXX and receive social security. Approximate XXXX XXXX my request was denied by a phone call from a rep at Shellpoint Mortgage/XXXX  XXXX ( investor ) informing that Shellpoint offered that my payment be extended for 10 years and reduced to {$640.00} from {$730.00} but the investor denied it and said the only option available is to increase my mortgage and stay at the 7.75 interest rate, and asking that I bring my account current. I am now making partial payments of $ XXXX monthly. I appealed the denial in writing and then on or about XXXX XXXX, I received another phone call from XXXX XXXX ( point of contact ) informing that the first denial was a " computer error '' and still they will not modify because the " numbers don't support it '' and any modification would increase my payment, which is ridiculous. I asked to see all documentation and the calculations of how they arrived at this conclusion. He said he would have Shellpoint make that information available to me. On XXXX. XXXX I attempted to make a payment via phone but was transferred into various loops that said no one was available to speak to me. I believe Shellpoint has no intentions of provide a loan mod. I have $ XXXX in equity and their intent is a financial advantage. I have requested many times that I be allowed to pay my own taxes. That alone would give me some relief. They refuse. My XXXX statement now shows an increase of {$7.00}. While this is minimal, why did my payment increase? One of the issues with this company is that they never put anything in writing and each time I speak to a representative, the story changes.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: Genesis FS Card Services, Inc.
State: VA
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 have contacted these two companies several times in regards to validating information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To whom it may concern, You are in Direct Violation of the Fair Credit Reporting Act has violated several of my rights. 
Please see following accounts below. 
Indigo-XXXX XXXX XXXXXXXX I have requested an application after I was advised from the customer service agents at the above companies that the application has incorrect information on this. I was advised that pay stubs were provided and I do not work for XXXX XXXX ( I havent work for them since XXXX ). 

US 15 USC 1681 Section 602 A. Clearly states that I have the right to privacy US 15 USC 1681 Section 604 A Section 2 ; It also states a consumer reporting agency can not furnish an account without written instructions.

US 15 USC 1666B : A creditor may no treat a payment on a credit card account under an open ended consumer credit plan as late for any purpose. 

Please remove these late payments and account and update my credit report as you are in violation od several laws under The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18
Company: NAVY FEDERAL CREDIT UNION
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
On XX/XX/XXXX i spoke with XXXX XXXX about a business loan. He explained to me that I could apply for XXXX term loan and a credit card visa and a Business Line of credit XXXX he told me to request these amounts we emailed in correspondence he never got back with me after we spoke on the phone prior to the two emails he sent stating to provide tax returns after he told no financials were needed upto XXXX. I requested a call from his supervisor he has ignored all my emails and phone calls. i spoke with several representatives and they have told me someone would be calling me i never recieved a call spoke with another represenative at the beginning of XXXX she advise me her Boss XXXX would be giving me a call never recieved a call. They have really bad reiviews on the business side and I would like for the hard inquiry to be removed immediately do. my credit score with XXXX is XXXX and i refuse to have a inquiry that was given to me due to lack of product knowledge on Mr. XXXX XXXX 's behalf and the unprofessionallism to an consumer and a member of the institution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18
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: Information belongs to someone else

Complaint:
I have disputed the late payment status reported on the account XXXX XXXX XXXX USA NA, XXXX XXXX BANK, XXXX BANK DELAWARE, and XXXX CREDIT UNION, with the credit bureau for several attempts, to no avail.. They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please

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 2017-01-24
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
fraud inquiry on my credit report from synchrony bank ( Walmart credit card ) I 've tried a number of times to contact Walmart and synchrony bank to only here 45 days and it should be removed it has been well over a year.

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 2019-03-26
Company: Diversified Consultants, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Wife received phone call from Diversified Consultants claiming an old XXXX  bill was owed. She advised them please send all billing statements from the first time the account was opened so we could go over what bills were paid and what bills were not paid. Associate claimed they would send the information so we could verify the billing was correct. We moved all lines from XXXX XXXX or XX/XX/2018. All numbers were ported to XXXX with all phones from XXXX being paid off ... .. XX/XX/2018 Diversified placed collections account on Credit report without verifying information. XX/XX/2018 Sent a verification of debt letter to Diversified Consultants and disputed claims with all 3 credit bureaus. Three credit bureaus came back as information was verified. nothing received from Diversified. Mid XX/XX/XXXXafter the 30 Day sent another letter for Diversified to respond within 15 days ( allowing 45 days for them to send billing information ) ... .. Today is XX/XX/2018 Nothing has been received from the credit collections company. This has already been sent back to XXXX once before due to another collection agency being told and shown it was paid off. I want this removed from the credit report and all three bureaus updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-02
Company: World Omni Financial Corp.
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My dad and I purchased a " XXXX XXXX XXXX XXXX '' in XXXX before he passed away. My dad was my co-signer. Since my dad 's passing I relocated to XXXX, XXXX. I fell back on some payments due to not having the finical help I had with my dad in XXXX. I began looking for employment in XXXX so I can start making payments on my vehicle and paying off my other debts. It took me some time to find employment. I immediately contacted XXXX XXXX to let them know about my financial situation. They asked me to fax my dad 's death certificate over to them to verify that my dad was deceased. Which I found rude and they were not compassionate and had no sympathy. 
I did as they told me. I faxed my dad 's information and my vehicle was towed anyway. 
My car was sent to an auction and I have been contacting XXXX XXXX to update me information about making payments but I keep getting the cold shoulder. 
I need some one to help me with getting my car back please. I have been getting to work late because I don't have my car. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: Resurgent Capital Services L.P.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
i HAVE CONTACTED ALL XXXX CREDIT BUREAUS AND FILED DISPUTES REFERENCING RESURGENT A CREDIT COMPANY WHICH BOUGHT AN ACCOUNT I HAD. APPARENTLY THE ACCOUNT WAS PURCHASED TWICE AND THE AMOUNTS ARE DIFFERENT. THEY ARE REPORTED DIFFERENTLY ON MY CREDIT AS XXXX DIFFERENT ACCOUNTS AND XXXX DIFFERENT AMOUNTS. I HAVE REQUESTED THE ORIGINAL DOCUMENTATION FOR THE ORIGINATION OF THE LOAN AND THEY HAVE NEVER PRODUCED SUCH. THEY JUST WAIT A FEW MONTHE THEN RESUME WITH COLLECTIONS. THEY HAVE GOTTEN MORE AGGRESSIVE MORE RECENTLY.

Company response to consumer: Closed with explanation