BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-21
Company: DriveTime
State: FL
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:
Noticed an Inquiry on credit report not authorized by me from Drivetime. I contacted them stating i did not recognize this inquiry and to please send proof I requested credit as required under FCRA. They returned with letter attached that DOES NOT MEET FCRA reiquirments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Its about the covid-19 relief program. When people are out of work and dont have money to pay the bill. The program they offered was to enroll in program they require you pay in my case {$430.00}. Just to enroll. Thats not help thats gouging a customer of over 20 years. I asked for a deferral and was denied cuz they are the only company not offering them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Subject : Complaint regarding denied credit extension due to incorrect account status Dear Capital One Customer Service, I am writing to express my deep frustration and disappointment regarding the denial of my credit extension request based on inaccurate information in your system. As per my previous correspondence and the verification performed by Capital One on XX/XX/2023, it was established that the account in question was indeed fraudulent. To support my case, I have provided all necessary documents including a police report, an identity theft affidavit, and a copy of my identification, which clearly indicate that the fraudulent activity occurred without my knowledge or consent. Despite providing this compelling evidence, I am still encountering obstacles in getting credit with Capital One due to the incorrect account status associated with my name. I understand that errors can occur in such complex situations, but I am deeply concerned about the impact this is having on my credit profile and financial wellbeing. I trusted Capital One to rectify the situation promptly and ensure that my credit history is accurately represented. 
Therefore, I kindly request your immediate attention to correct this error in your system and update my account status accordingly. Additionally, please provide me with written confirmation that the incorrect information has been rectified, ensuring that it will no longer hinder my ability to obtain credit or result in any further negative consequences. 
Thank you for your understanding and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
Company: U.S. BANCORP
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I purchased a prepaid card ending in XXXX for {$500.00}. It says it is active and that the balance is {$500.00}, but it gets declined anytime I try to use it. I can not reach the customer service number on the card, no one picks up. 

I need to be able to use this card!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: PENTAGON FEDERAL CREDIT UNION
State: PR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Every year I provide PENFED with a certificate or " Proof of Insurance '' to prove to PENFED that the Condominium complies with the insurance requirements to include Flood Insurance. I provided PENFED with the proof of insurance certificate and spoke with customer service on several occasions to ensure I was in compliance. Notwithstanding, I received a notification from PENFED that funds were withdrawn without my authorization to pay for an insurance policy selected by PENFED for my property even though I already had XXXX and had provided this information repeatedly to PENFED. I have spoken with a customer service agent named " XXXX '' at XXXX XXXX XXXX XXXX, ext XXXX regarding this matter. She advised that until an escrow analysis is completed, that I should continue making the additional {$630.00} in monthly payments ( in addition to the $ 428 monthly mortgage payments ). I would like PENFED to refund this funds to me and to stop these abusive practices which unfortunately occur on a yearly basis. I did not authorize PENFED otr anyone else to withdraw funds from an existing PENFED Money Market Savings account to create an escrow account on my mortgage. I respectfully request a prompt resolution to this matter.

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 2018-10-23
Company: Critical Resolution Mediation LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
it's the same unscrupulous debt collectors based in Georgia, Critical Resolution Mediation. I'm receiving threatening phone calls about a debt I don't owe. They always use the same fake name XXXX XXXX to identify themself. I do not owe the debt they are trying to collect. I have told them so repeatedly, I have requested they send documentation to support I owe this debt by mail and nothing. I want this harassment to stop immediately.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24
Company: LOBEL FINANCIAL CORPORATION
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
A fair and reasonable outcome. Corrected and updated credit report, assistance with locating the vehicle, explanation as to why they insisted a tracking device be placed on my vehicle before I could drive it off the lot and reason that they are now saying that was not part of the contract yet I had to pay extra to have it installed and to drive it off the lot. They even denied my request to waive that as a funding condition. They have also denied my requests to have the vehicle located. All negative remarks need to be corrected and at this point since I am not able to locate the vehicle I need to understand the legal aspect of this so perhaps mediation would be a positive solution. Initially, I just wanted to negotiate the additional interest that was added on to the loan. The principal has all been paid off. The additional interest is in the amount of around {$200.00}. They have refused to discuss or entertain any reasonable solutions I have attempted. Again, the principal is paid

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11
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: Information belongs to someone else

Complaint:
XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX have failed to do their job on the data breach FTC violation that caused my credit report harm Transunion and XXXX has done a great job looking. into the FTC violation but will be added to the security so they can check on updates

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 2020-03-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This collection agency put this business credit card on my credit without any notification or letter notifying me of the existence of this debt. They kept calling my work place and leaving messages about this debt with 3rd parties. On XX/XX/2019 they removed this debt from credit bureaus and even though I requested them to validate the debt they did not and proceed to add the collection item back to mt credit with a different account number. I called the original creditor and could not get any information was told it was sold to this collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23
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: Information belongs to someone else

Complaint:
I have filed several disputes with Experian and XXXX stating the information is fraudulent accounts and have request per my rights to receive validation or verification of these accounts and have not receive anything thing XXXX  has taken several months since my last disputes and Experian refuse to receive or investigate any more disputes concerning these accounts I have sent several letters to both of these companies and they are not sending my the proper paper work XXXX XXXX XXXX XXXX amount of {$1500.00} XXXX XXXX XXXX XXXX amount {$1300.00} these accounts are fraudulent

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 2023-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
Delete all the fraudulent inquiries on my report effective immediately and they include, XXXXXXXX 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 2022-12-03
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-11
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Experian refuses to re-investigate inaccurate information. A certain creditor added negative information on XX/XX/2018 to my file. This place information is in accurate and other CRA have correct it. I have supplied Experian with proof that shows the creditor is reporting false information but they refuse to correct

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 2023-07-17
Company: ALLIANT CREDIT UNION
State: HI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a cash deposit of {$300.00} to payoff another account and the bank split my deposit into 2 amounts and {$75.00} and {$170.00}. I dont have any pending payments out. This is not okay as it will cause me to get more financial charges. Cash deposits are just that cash and should be available right away. This hold makes no sense except to make extra fees. I called spoke to XXXX and a bank XXXX which was a waste of time as they both asked for a receipt which I declined as I dont need the extra paper. Obviously if I am calling to complain this is not a legitimate hold I am complaining of illegal holding of funds they claim to have a payment not made since XX/XX/XXXX and this whole time I had {$22000.00} in my account to cover all expenses since XX/XX/12. They wait till now with my cash deposit of {$300.00} a month later to try and cover it. No this does not sound right a receipt should not be required since I was verified and obviously the one who made to deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
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:
Back in XXXX a police report was filed due to identity theft and was sent to all 3 credit bureaus. 

XXXX Transunion removed inquiries and placed them back due to a glitch in their system I had to file a complaint with the CFBP Fast forward to XXXX after notifying Transunion of this fraud many years ago they continue to let it happen. I have asked them to remove inquiries that I have not applied and was basically told because they are over a year old have no baring on my credit report. I do not care how old they are they do not belong to 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 explanation
Consumer complaint received 2020-07-13
Company: M.L. Zager P.C.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Had a medical procedure on XX/XX/XXXX. After insurance my out of pock responsible was {$250.00} I received notification of the bill in the mail. I paid bill in full via credit card by mail. The charge cleared my account on XX/XX/XXXX. Subsequently I received a bill from a collection agency representing the pathologist demanding payment in the same amount of {$250.00}. I paid this amount also via electronic check which cleared my account on XX/XX/XXXX. On XX/XX/XXXX I received an alert from Experian stating that my account had a negative remark. Upon review I see that there is an entry for {$250.00} in collections reporting as outstanding. Much to my chagrin as I am in the final steps of financing a home. This false entry has caused my credit score to plummet close to 100 points. I reached out to the collection agency and was advised that they would look into the duplicate payment. They sent a letter in the mail stating that the entry would be removed however they only report on the XXXX of each month. which is much too late for my mortgage process. I am praying that this does not cause a negative impact to my mortgage process however something tells me that its going to cost me in paying a higher interest rate. Of all of the times for this to happen ...

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-03
Company: Experian Information Solutions 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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2021-10-15
Company: EQUIFAX, 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
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:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security.

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 2023-07-14
Company: Affirm Holdings, Inc
State: SC
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:
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
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 was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: Experian Information Solutions Inc.
State: MS
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 I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible.

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 2021-05-05
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: Was not notified of investigation status or results

Complaint:
I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX XXXX Account Number : XXXX Balance : {$38.00} Please remove it from my credit report. 

XXXX. XXXX XXXX XXXX  Account Number : XXXX Balance : {$0.00} Please remove it from my credit report. 

XXXX XXXX XXXX XXXX  Account Number : XXXX Balance : {$0.00} Please remove it from my credit report. 

XXXX. XXXX XXXX Account Number : XXXX Balance : {$960.00} Please remove it from my credit report

Company response to consumer: Closed with explanation