BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-18
Company: SYNCHRONY FINANCIAL
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 received a letter fro
m XXXX XXXX datedXX/XX/XXXX regarding then CAR CARE ONE/XXXX XXXX account for unauthorized opening of an account. Their investigation was completed and the claim was resolved in my favor and they wrote they advised the three major credit reporting agencies, XXXX, XXXX and XXXX to remove the account from my credit report. The charges were removed and I wo n't be held responsible for the debt. It has been sent to XXXX XXXX XXXX  opened in XX/XX/XXXX.
This information remains on my credit report as of XX/XX/XXXX when the XXXX XXXX XXXX refinance agent told me of this information. It does affect my credit score to refinance my home.
Additionally I was told I have 2 other negative accounts that are not mine.
XXXX XXXX/XXXX/ or XXXX in XXXX , Ohio showing late payments on XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX. {$1000.00} XXXX XXXX XXXX for {$940.00}. in XXXX, Florida I have filed a police report with XXXX XXXX Police in XXXX XXXX, Colorado regarding XXXX XXXX accounts and it was investigated and I do have the name and address of the perpetrator in California. I do not know if this is the same individual associated with the above accounts.

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 2023-10-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Bank of america customer for a few years never had problems until bank of america marked my credit card as closed months back with late payments even though ive been actively making payments to this day. 

attempted to make payments for the months they claim are late and tried to contact them but no luck. 

Bank Of America has been falsely reporting things on my credit report and i demand that they remove the late payments and instate the correct status of the account ( 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 2023-09-01
Company: CITIBANK, N.A.
State: OH
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Regarding a XXXX credit card and it is through CitiBank. I use my XXXX cc monthly especially for gas. Recently I used a interested free check to pay for a plumbing bill I had recently. When I make a payment which is the exact amount of my monthly current charges plus additional to go towards my outstanding balance they in turn decide how they want to credit my bill. I have called 3 times to complain with no success. They tell me this is how they do it. This month when I received my statement this is totally wrong. Last month my current cc charge was {$230.00} and outstanding balance {$2300.00} and I paid them {$600.00}. They credited my regular cc charges {$400.00} which will give me a credit towards this months charges of {$200.00} so I only owe {$38.00}, BUT then they only credited {$190.00} to my outstanding balance. What is actually happening they are giving my monthly credit card charges more of my payment for future charges and not crediting to my outstanding transfer balance which I want paid off before the due date. They have already charged me {$120.00} for the use of this interest free funds, but it is not right that they can decide how my monthly payment is credited to my balances. I would like to know if this is legal. If I was not a detailed consumer and didn't realize this was happening it will be harder to pay off my outstanding transfer balance before interest would kick in. This is not fair or right. Please let me know your thoughts.

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 2021-10-27
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
On XX/XX/2021 My Relatives was contacted by Debt Collection Firm that purchased an account from Capital One Bank. The Firm informed my relatives that I was to appear in court and need to be notified leaving the following reference number and Contact Number XXXX. Once informed I reached out to the collection agency to identify the account. I was informed that the account will be purchased from Capital One Bank and that I would have to deal with their Law Firm to resolve the issue. They provide the account number and dates of the previous account for Capital One Bank with the balance of {$3500.00} as the payoff. The representative further stated that I will have to appear in court to validate ownership of the account and that I have an upcoming court appearance. 
History of Account with Capital One I have sent several dispute letters regarding this secured credit card account with Capital One requesting a balance adjustment since closing the account. The account was a secured card account and Capital One already had my funds to secure the balance. Once I requested the account be closed and Capital One to apply the secured funds to the account and adjust the balance no action was taken. Capital One closed the account at the total credit balance with adjusting for secure funds that established the credit limit. The credit reporting of this incorrect balance has caused harm to my credit report and my ability to obtain any further credit. As of XX/XX/2021, I now have a debt collection agency that purchases the incorrect balance and further damages my reputation by treating calls in violation of FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting 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:
My information was wrongfully gained by the companies listed below resulting in inquiries to my credit report. All of the following inquiries should be removed from my credit report immediately : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2022-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 issued a factual complaint and the reporting agencies responded that the information has been verified as accurate. However, I am highly doubtful that any investigation occurred because my report is filled with lots of inaccuracies across all three reporting agencies.

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 2018-05-20
Company: DISCOVER BANK
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I made a payment of {$440.00} towards a private student loan with discover student loans. This payment should have paid the last of the loan off, however while the money was withdrawn from my checking account the payment was never applied towards my loan balance. I have called multiple times and been asked for patience while they attempt to resolve the issue, I have messaged them through their online messaging system with similar results. I have uploaded a copy of my bank statement, as well as a letter from my bank confirming the payment, as they requested and still they have not resolved the issue nearly two months later. I have lost faith that they have any intention of fixing the problem at this point.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12
Company: LJ Ross Associates
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
i have reported this company with the other two credit bureaus and have spoke to all three over the phone stating that i have never lived at this address that keeps only coming back on XXXX and its hurting my credit score bad. I have verified that i was indeed in indentity fruad or some one has stolen my information on the internet. I have never ever in my life have had serives like this under my name due to me living with my mother or family and this debt keep coming back and i dont know why if in fact i reported on this website this very company about a year or so ago. Please help me get rid of this. I can prove by going to the secretary of state of illnois and have my addresses pulled up.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: MoneyLion Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2022 my bank accounts were jacked and someone uses my private information to request a loan with a company called money lion for an amount of {$1000.00} usd. 
A report was made immediately with XXXX XXXX XXXXXXXX my bank and some charges and debits made to my checking account were credited immediately, it took a few months the investigation to be completed and closed by the bank, but recently I applied for a credit card and my credit respond was denied in part because I had a delinquent account unpaid which is this particular loan that I never made nor received many for such company. 
XXXX XXXX sent me copy of the agreement and told me that I made such request of loan. 
Obviously they want me to sent my personal information to them to verify but I told them no way Im goin to provide such information to someone I have not make any transactions ever before.

May request at this time is to get help from your end to solve this issue the best possible way Thank you very much for your help

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-04
Company: ALLY FINANCIAL INC.
State: GA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I received a loan from Ally Lending for electrical work at my house around XX/XX/XXXX. I asked them to make payments out for the end of the month. Also, I was given the promotion for interest free payments until XX/XX/XXXX. Ally Lending has not acted in good faith regarding payments and system access to pay on the account. We have our payments due on the XXXX each month and they have charged interest on this account since XXXX. We have asked for relief on this but no one has called back. This is not a good company for me. I am 100 % on time payments for several years so this has been a set back. 

I filed a complaint with the XXXX  on XX/XX/XXXX so this company has refused to honor the agreement of interest free payments and provide a platform to make payments online. 

This company is trying to act in a predatory manner for payments. My credit is good so I should not have to pay predatory terms to this company.

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 2021-03-03
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I had called our mortgage company to find out why our payment went up for the month of XX/XX/2021 from XXXX to XXXX and the company said it was due to our taxes which was close to {$6000.00} then our insurance was {$2900.00}. The mortgage company said that if I could pay the escrow of the house was {$6000.00}. then my payments would remain the same but it was a fixed loan at XXXX XXXX and fixed XXXX yrs rate and we did not have to pay any property taxes since we are XXXX XXXX XXXX service connected. The mortgage company told me that all we needed to do was find a cheaper insurance for the home and that was all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
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: Their investigation did not fix an error on your report

Complaint:
Ive included a copy of my credit report this alleged account closed 2019 and every month since then Experian has been reporting a charge off status which caused my score to drop how could you report a charge off status on a closed account monthly thats damaging my score drastically and according to fcra accounts should report accurately please remove account from 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 2018-10-16
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have disputed the late payments on this XXXX XXXX XXXX account for months. XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by 5 p.m. on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by 5 p.m. on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 was in the process of applying for Insurance and it was brought to my attention that there is some inaccurate, incomplete and unverifiable information reporting on my credit report. 
I received a copy of my credit report and to my surprise I saw all these inaccurate items that I have previously asked you to block. 
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. 
Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. 
I have provided documents that can prove it. By the way I hope that this does not hinder my ability to obtain Insurance due to this inaccurate information reporting.

I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( i ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.If you can not complete this request, please delete the accounts immediately. 
I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate every piece of information and remove these items below from my credit report. 
Accounts 1. 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 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 2022-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit act XXXX  Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 non-monetary relief
Consumer complaint received 2022-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 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 non-monetary relief
Consumer complaint received 2023-09-21
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to express my ongoing concern regarding an inaccurate late payment entry on my credit report, which HAS NOT BEEN CORRECTED DESPITE MULTIPLE REQUEST FOR RESOLUTION. This matter pertains to an alleged late payment of {$3200.00} on XX/XX/2022, as reported by XXXX XXXX with account # XXXX. I wish to emphasize that this late payment entry is in error, and I have provided substantial evidence demonstrating my consistent, on-time payments to XXXX XXXX XXXX Despite my previous communications and the supporting documentation I have submitted, the inaccurate late payment entry persists on my credit report. Please have this account REPAIRED : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA
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 have had capital one credit cards for over 10 yrs.Never once have I ever filed a dispute Untill this year and it quite honestly it is the worst thing I could imagine that would come from capital one.The consumer and customer comes last. 

Purchase done on XX/XX/2022 USD {$1200.00} goods never recieved capital one sided with Merchant on XXXX card. 

Purchase done on XX/XX/2022 {$1400.00} goods never received.Disputed, capital one sided with merchant. 

Purchase done on XX/XX/2022 {$900.00} good never received.Disputed with capital one quicksilver again capital one sided with merchant. 

At this point am just sick and tired of this and I havent gotten any help from capital one.I need this charges reversed immediately.Im also going to contact the DOJ and senate banking committee on this practices.In my 10 yrs with this company never in a single day have I ever disputed charges Until this year and this is what i get

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: EQUIFAX, INC.
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
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:
There is a XXXX XXXX account number XXXXon my credit report that is still showing on my report that should not be there. It has been over 7 years and they should be dropped off my credit report.

Company response to consumer: Closed with explanation