BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-01
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Information is missing that should be on the report

Complaint:
Hello ; how are you?     My credit report states that my oldest credit line is 15 years, but, in actuality, it is more like 27 years.     Please advise. I look forward to hearing from you soon.     Thanks so much ;  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06
Company: CURO Intermediate Holdings
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I was called by a private number in XXXX. I did not answer the call and a voicemail was left. In the voicemail a man told me he would be at my home address between XXXX the following business day to serve me papers due to a lawsuit filed against me. He said that if I was not home he would show up to my place of employment and discuss the papers with my manager. He left a contact number and case number to return the call. When I returned the call a women said she was going to place me on a brief hold to get my paperwork off of the attorneys desk to review it with me. Once she returned to the call she said her company had been hired by Speedy Cash and I was being sued. I informed the woman that she was in direct violation of the Fair Debt Collection Practices Act and ended the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-08-31
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I attempted to get a copy of my Equifax report by phone, because I was unable to do so online as I am a minor. On the phone with the representative, despite repeated attempts to explain that I was a minor and that my social security number had been used to file a false tax return in my name, the agent refused to give me a copy of my credit report stating that there was no credit history. She refused to send anything by mail or email stating this and I had to end the phone call because she was increasingly unaccommodating and rude. I need this information to file fraud claims with FTC regarding my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: Financial Data Systems
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 information incorrect

Complaint:
there are multiple accounts that are supposed to be closed i contacted them all and explained thoes items that i disputed are not mine and needs to be removed and the accounts are supposed to be closed but are still open also

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
This is XXXX XXXX, and I am submitting this CFPB complaint in accordance with the FCRA to formally dispute the unauthorized inquiries listed on my credit report. I never authorized such actions, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604. These actions were initiated without any proof from any of the companies reporting. These inquiries are not factual since I never authorized them. As a consumer protected under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate and up-to-date credit information. The fraudulent inquiries listed on my credit report are in direct violation of this right. I respectfully request that the following inquiries be immediately removed from my credit file : XXXX XXXXXXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  - XX/XX/XXXX. I would like to point out that the FCRA requires credit bureaus to investigate and respond to consumer disputes within XXXX  days. Please provide me with written confirmation that the fraudulent inquiries have been removed from my credit file within XXXX business days. Failure to do so will leave me no choice but to escalate this matter further.

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 2019-04-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I would like more information or clarification with regard to how the credit card company charges interest on your purchases. 

I have attached a copy of 2 statements, from Capital One. XXXX statement is dated XX/XX/2019 and it reflects a balance owed for the amount of {$420.00} and it clearly states in paragraph 1 that is this amount is paid in full by the due date there will not be any assessed late charges. Now we have next statement from XXXX which reflects the balance being paid in full on XXXX and they still assessed a late charge. 

I paid the amount that was requested on their statement and they told me that they can still charge the interest on this balance even though it has been paid in full? 

I have spoken to Capital One and was told because the balance wasn't paid in full in XXXX? that's why I was charged the interest fee in XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I had an old medical debt from XXXX that was resolved with the provider. Capio partners apparently purchased the debt in XXXX of XXXX and immediately put it on my credit report ... not only once, but they duplicated the collection two other times using various names of their same company.They put very similar amounts owed ( must have been willing to take a bit less on one to make it look like two different accounts ) and then you their are two separate names of the collection agencies however they are on EXACTLY the same parkway, " XXXX XXXX '' in XXXX Texas with slightly different suite numbers! They are doing this because I told their collection person who called me that I was in the middle of a mortgate ( mistake # 1 ) and then they IMMEDIATELY generated THREE separate bogus accounts on my credit for the most impact to my score!! When asked to verify, I still have not heard a response and for some reason the credit bureaus have said that the dispute was not supported so the information remains!! How does that happen?? They are literally creating double and triple jeaporady and they are the SAME COMPANY!! Capio Partners and XXXX XXXX   FIRM ... BOGUS and ILLEGAL! Not only that, the original debt was listed as a charged off account with XXXX and I paid it to them! Even if Capio purchased a debt from someone else, it was a charge off and should NOT be reported as an OPEN ACCOUNT on their records, further harming my credit!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Everytime i purchase that involve credit report, that XXXX XXXX XXXX {$5100.00} still shows in my credit report everytime i refinance the house or car or purchase a product. That {$5100.00} has been paid off 2 years ago and i even called XXXX to take out that report but still shows..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: Experian Information Solutions Inc.
State: IL
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  Acc # XXXX has violated my rights 15 USC 1681 Section 602 states I have a right tp privacy 15 USC 1681 Section 604A Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2020-09-15
Company: Eastern Revenue, 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 filed a dispute on the XXXX of XXXX XXXX requesting Eastern Revenue, INC. to verify accurate information on account file # XXXX, creditor being XXXX XXXX. They responded with verification of some else 's information supporting my complain that what they posted on my credit report is not accurate and that I have no knowledge of the account. They stated that the information provided was accurate on the paperwork dated on the XXXX of XXXX. However the name on the paperwork they sent is not my name and the address on the paperwork is not my address either.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: TD BANK US HOLDING COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Re : acct # XXXX XXXX XXXX XXXX XXXX  XXXXTD bank, Bank address XXXX XXXX XXXX XXXX, XXXX XXXX NJ XXXX XXXX I have been a victim of card cloning and TD bank is further victimizing me by ignoring my disputes. MULTIPLE charges were made at a gas station in Florida, amounts over XXXX each, I have disputed these multiple times and TD bank is ignoring me. 
At the time of these charges I was in XXXX having a surgical procedure and stayed at XXXX different hotels ( copies attached and further copies will be provided IF required to prove I was not in Florida pumping gas ). In addition the charges were reported AT a branch in XXXX, IN PERSON and a new card was issued to me after the disputes were submitted in person at the Branch location. 
The day I noticed the fraud, I went to a local TD bank Branch location in PERSON in XXXX and submitted the disputes there. 

I know my first and last name are of XXXX XXXX origin and this automatically has caused TD bank to toss over my dispute. I DID NOT go to Florida, I did not make those charges and If I am being accused of lying, then I am requesting a video surveillance of the gas station image of the person who pumped gas and visited the gas station in Florida. 

I am being discriminated and victimized by TD bank and this matter is causing pain and distress and undeserved financial hardship. 

My contact info ( XXXX ) XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-11
Company: MOHELA
State: NV
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: Problem with personal statement of dispute

Complaint:
I have reached out to Mohela several times in the past few years to update my credit profile for 2 late payments across multiple balances. These late payments were reported inaccurately and they are refusing to update to current. It has adversely affected my credit and what they are doing is absolutely fraudulent. I have no other means of getting this resolved other than going through with this complaint to report them for bad practices. Ive sent letters and emails to their Executive Director, but nothing. It is criminal and a horrible practice with the things they are doing regarding student loans just to make people lives miserable because they wanted to get an education to better their lives.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-25
Company: EQUIFAX, 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:
After reviewing my credit file I have noticed that there are 5 inaccurate fraud accounts listed onto my credit file. I have initiated one dispute yet you still have failed to remove from the credit file you maintain under my name and social. I have enclosed my FTC Identity Theft Report, proof of my identity. Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. I have also contacted all 5 companies yet they have failed to validate any of these alleged accounts so how in the heck are they verifying them with you. Please remove these accounts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: EQUIFAX, INC.
State: MA
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 found two inquiries on my report that I reported should not be on my file. 
XXXX. XXXX XXXX  - XX/XX/2021 XXXX. XXXX XXXX XXXX XXXX XX/XX/2021 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: CITIBANK, N.A.
State: PA
Product: Credit card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Store had signs and employee offered a promotional {$100.00} off my purchase which was over {$1000.00} for signing up for a Home Depot credit card. I did not receive the {$100.00} off and was told to go talk to customer service. Customer service told me it was because it was the weekend and I'd receive a coupon Monday. I said ok fine since I'll make another {$1000.00} purchase soon. I've yet to receive the promised coupon. Employees and the promotional signs indicate that you'll immediately receive the discount upon signing up with your first purchase, which is not the case.

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 2023-07-19
Company: Bread Financial Holdings, Inc.
State: LA
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:
Company has the wrong first delinquent date, incorrect payment history, and the last activity on the account is incorrect. Its been more than 7 years since the first delinquent date and the account should have been deleted by now. A collection agency was also paid for this account and was supposed to have call this company to have it removed from my credit report, but it did not do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27
Company: American Credit Acceptance, LLC
State: NM
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:
Every time I do a deferment they tell me one thing and when I call back its something different Also I question them on my loan to go somewhere else to get a better loan they put wrong information on my credit report when I have all the payments I made they did that after they found out I wanted to get away from the fraudulent company I read their reviews and all that was explained on review I am going through the sand thing lied and said I was late 4 months straight when I have my payments for each month I will send proof

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23
Company: Bread Financial Holdings, Inc.
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I had a Paypal Account that was attached to my XXXX credit card for services. <P/>I paid for XXXX charitable donations in XX/XX/XXXX. XXXX of these went to my XXXX credit card as directed. The second donation went to Paypal Credit/ XXXX XXXX XXXX, which I do not have as I never applied or requested this. <P/>Paypal Credit opened a credit account without my permission. There was an Enforcement Action with you for this problem in XXXX. <P/>I tried to pay this amount off with Paypal as I do not use credit. In XXXX when I called I was told they could not pay this amount off unless I gave them identity information such as social security number, DOB and other identifying information in addition to my credit card number. I refused to give my SS number and birth date so they refused to let me pay off the account that was to have been paid in XX/XX/XXXX/XX/XX/XXXXwith my XXXX. <P/>Since then they continue to charge me large fees, I send a check but it is never paid off as the amount continues to increase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-27
Company: SYNCHRONY FINANCIAL
State: OH
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:
CareCredit credit card XX/XX/2019 due upcoming dental work I opened a CareCredit credit card account suggested by my dentist. This was done via the CareCredit Internet site. 

XX/XX/2019 After finishing all pending dental work, the dentists office made a charge to the account. 

XX/XX/2019 Having neither heard any word from CareCredit regarding the charge nor receiving any paperwork regarding the charge, credit cards, or correspondence, I called XXXX. I spoke with XXXX who stated all information was sent out on XX/XX/2019 to wrong address due to a typo. He stated he couldnt ( wouldnt ) tell me more but did tell me that all my payments were due on or before the XXXX of each month and transferred me. I spoke with XXXX who stated all information including the card had been sent to a wrong address and that a new card had been sent. End of conversations. 
Since neither my wife nor I wanted to fall behind on any payments and take advantage of CareCredits no interest offer, a payment was sent per instructions show on the CareCredit web site. A letter was included with the payment expressing our concern about the situation and the possibility of identity theft. 

XX/XX/2019 I checked status of the payment sent to CareCredit. After following directions, the automated system stated that my account was closed. I then spoke with XXXX who stated the account had not been closed but transferred to a new number and that the payment had been applied. I asked for information on the typo that had sent the information to an incorrect address. She stated that I need to contact the Post Office since it was not the fault of CareCredit. I asked to speak to someone else and ( after about 10 minutes ) was transferred to XXXX in the Fraud Department. I explained to XXXX that no of what I was being told made any sense. I had received a statement with the old account number on XX/XX/2019. That statement was date XX/XX/2019 and was addressed correctly. I had received the new credit card on XX/XX/2019. XXXX stated for security reasons he could not discuss any of this unless CareCredit received a request in writing.

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