BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I sent a letter to the 3 Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX Balance Owed : {$620.00}.

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 2022-07-05
Company: Ocwen Financial Corporation
State: IA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is about PMI removal. I had an appraisal done on my property that came in too low to get my PMI removed. I contested this and the company refuses to acknowledge the changes or provide next steps.

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 2018-11-02
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was scammed through XXXX on XX/XX/2018 - by sending money from my chase bank account to another person and I contacted my bank and they said they wouldnt do anything for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: Synovus Bank
State: LA
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 made a payment to First Progress by phone on XXXX/XXXX/2020. The only other way to pay is via XXXX  XXXX  or through my online banking. There is no way to pay directly online. This means that in order to prevent the payments from arriving late, I have to make the payment 2-3 weeks prior to the due date. That is not always possible for me because of cash availability and should not be a requirement. When I called to make the payment, I told the representative to collect the {$10.00} fee that they charge to make payments over the phone. I believe that {$10.00} to allow me to make a payment is excessive, but I didn't want to pay any late fees or have a late payment reported to my credit report. The representative did not take add the {$10.00} fee to the payment I made which left a {$10.00} balance that I was not aware of until I had a 30 late payment. I called to have the issue resolved, and they required me to send a letter. I sent a letter via us mail and they replied via us mail that the information is correct and they will not be making any changes to my account or to the reporting of my account. 

I don't understand why I am being punished for the error of the representative I paid {$10.00} to take my payment. I never checked because I believed I had a {$0.00} balance and had not used the card again. This inaccurate reporting is directly negatively impacting my quality of life. I talked to a friend of mine that told me a lot of people are suffering because of what first progress is reporting and the neglectful customer service we are receiving.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: Experian Information Solutions Inc.
State: CA
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 XXXX XXXX XXXX # XXXX and XXXX XXXX XXXXXXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX XXXXXXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX have 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 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 2019-10-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have had accounts with this bank since 2015. All this time I have had online access to my accounts with no problems. Now Capital One has added an additional security feature that I can not comply with. Because I can not comply with its new system Capital One has blocked my online access.

I have pointed out to the bank that it can not impose a requirement on me that it did not have when I opened the accounts. Such an act is a breach of contract as well as a breach of the depositors ' agreement in effect when I opened the accounts. 

Please prevail on this bank to restore my online privelages.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: DISCOVER BANK
State: WA
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: Card was charged for something you did not purchase with the card

Complaint:
I have been a discover card holder for 10 years. During the time, my identity was compromised and I repeatedly had problems with usage of my card, name, SSN, among other pieces of information. I hope Discover is doing what they can on their end when it is happening with Discover card. 

On XXXX XXXX, 2020, I received a call from Discover card saying that someone was attempting to use my credit card at a hotel, XXXX  XXXX in XXXX, WA, for {$2100.00}. I informed them I was in XXXX, WA ( 100+ miles away ) where I live and that the charge was fraudulent. Discover closed the account and sent me a new credit card as promised. 

On XX/XX/XXXX, Discover rebilled my account for {$2100.00}, claiming the XXXX  XXXX had my driving license information. I will attempt to contact the Driving Licensing center as soon as I can, but they are very slow at the moment due to health concerns. I believe someone has obtained my information somehow. 

Due to needing to use my credit during the ongoing crisis, I have paid the charge rather than withhold the payment, but I expect Discover to refund me and to look into this. 

I have filed multiple police reports. The latest report number is XXXX ( it contains all the previous information ) with the XXXX, WA Police Department. The officer promised to look into photographs from the hotel. 

I have contacted multiple departments at Discover including the executive department. I keep receiving the same information about XXXX  XXXX having my ID information. As mentioned, my information has been compromised for some time and I can document I was not in XXXX, WA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
CapitalOne bank, very difficult to make a purchased. When something happened I need to call them and behaind line with angry-cashier. Omg they request documents drivers license and proof of residency. Do not open credit with them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-28
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: Credit inquiries on your report that you don't recognize

Complaint:
please remove these inquiries and names that do not belong to me. I have attached an identity theft report and have did some research that shows that after receiving this information you have 4 days to block this information from my credit profile 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of you will find all inquiries in the attached report. Also you will find names that are not mines

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 2021-04-02
Company: CITIBANK, N.A.
State: HI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
XXXX ( ID number XXXX XXXX a customer service agent for Citibank was rude and not helpful when I tried to remove someone from my authorized user list. She stated that she needed the social security number of that person. She could not explain why she needed it or give me the option of removing the person without it. 
She was rude and talked over me several times. 
I asked for her XXXX  and she said one is not avaiable and I should call back in 30 minutes. 
I said I wanted a call back and she said she couldn't do that. 
Then she said the call was unproductive and she hung up on me. 
The time and date of the call was XX/XX/2021 at about XXXX to XXXX XXXX. 

In the end, I did not get the person removed and had to call back again to talk to another person to get the name removed.

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 2019-10-12
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I opened saving account in HSBC on XX/XX/2019 at XXXX, CA. The HSBC worker suggested me to open overdraft protection. Actually, she opened Line of Credit for me. And it incurred a hard pull and new credit account which impacted me credit score a lot. I did need overdraft protection and she did NOT tell it would have credit score impact. I want to repair my credit score!!! 

Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-28
Company: I.Q. DATA INTERNATIONAL, INC.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, I received a letter from IQ Data International, advising me I owed a debt of {$13000.00} - related to a personal guaranty I signed on a lease for a business. This corporation ceased operations in XX/XX/XXXX. 

On XX/XX/XXXX, I faxed a note to IQ Data, advising them of the Release of XXXX, signed XX/XX/XXXX - and included the First Amendment to the Lease - highlighting the sections where my personal XXXX was released. 

On XX/XX/XXXX, IQ Data continued to pursue me for this debt that I had demonstrated I had no guaranty for - and I faxed a Cease and Desist notice to them. They have abided by the Desist letter - except for fraudulently reporting this debt as a derogatory remark to XXXX. 

On XX/XX/XXXX, I noticed the derogatory remark on my personal Credit report and faxed a letter to XXXX asking they remove it. I included the information provided to IQ data, and the First Ammendment to the Lease removing the personal Guaranty.

On XX/XX/XXXX, It seemed XXXX hadn't removed the derogatory remark - so I faxed a followup, this time including a XXXX County Court result - showing that in XX/XX/XXXX, the original ebt holder tried to sue me for these debts - and the Court found the case was non-suited ( i.e. it was unfounded and thrown out ). I hoped with this court result would assist XXXX  in correcting their error and removing the derogatory remark. ( Court Case Number : XXXX ) By XX/XX/XXXX, neither IQ data nor XXXX  had responded or changed their derogatory remarks, so I had a lawyer send a letter of demand to IQ data to remove the derogatory remark. 

It has been 10 days since that letter was sent, and no response has been received from IQ Data.

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 2021-06-02
Company: EQUIFAX, 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:
After numerous disputes, XXXX 's mailed me a letter dated XX/XX/XXXX, stating they will instruct all three credit bureaus to delete the reference account XXXX from all three credit reports. I have contacted since contacted XXXX 's and opened numerous disputes, in which the account has not been deleted as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-01-15
Company: TOYOTA MOTOR CREDIT CORPORATION
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: Account status incorrect

Complaint:
I have tried time and time to get Toyota Motor Credit to remove late payments from my account from XX/XX/2022 and XX/XX/2022. I was out of work for a while due to having covid and being in hospital from XX/XX/XXXX til XXXX XXXX from covid. I am an XXXX XXXX and I got it from a patient trying to save their life and ended up with it myself fighting for my own life. I have paperwork and all from being in hospital and have offered to send it. They would not accept it. I have tried to contact CEO however the email is not correct and I seen on news at time once I was released that no late payment should be reported if you had covid which I did. I have not made any late payments since I returned to work and tried playing catch up from the months I was off. All other companies helped me get back on my feet and get the late payments for those 2 months off my report but Toyota Motor Credit which I feel is awful bc I was fighting for my life and now my credit has been punished due to these XXXX late feets.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12
Company: CREDIT ACCEPTANCE CORPORATION
State: WA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
Credit acceptance charges a usury interest rate of 23 % that compounds daily. I did not agree to that rate or the incorrect financed amount they claim that I owe

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 2018-03-02
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am continually being called on the telephone from XXXX firm over an alleged {$510.00} debt. I was under the impression Fair Debt Collection Practices Act ( FDCPA ), and I am requesting validation of this debt.I have fulfilled this balance with two different agencies and I still do not see a update in status. I request this account be deleted because it is not accurateFCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY Complete payment history, the requirement of which has been established via XXXX vs. XXXX and Agreement that bears the signature of the alleged debtor wherein he agreed to pay the original creditor. 
Letter of sale or assignment from the original creditor to your company. ( Agreement with your client that grants you the authority to collect on this alleged debt. ) Intimate knowledge of the creation of the debt by you, the collection agency Im sure you know, under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. You should be made aware that in XXXX XXXX, Plaintiff, vs. DIEM CORPORATION, No. XXXX XXXX UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, 2004, the courts ruled that reporting a collection account indeed is considered collection activity. 
Im sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. Under the FCRA and the FDCPA, each violation is subject to a {$1000.00} fine, payable to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
Company: Bread Financial Holdings, Inc.
State: MO
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:
Comenity Bank/ XXXX has made it extremely difficult to pay my bill each time I called in to pay rep either hung up on me or claimed the system was down there for I was not able to make my payment, I finally spoke with someone who helped me she moved my due date to XX/XX/2020 and insisted I call credit bureaus to have XXXX late removed, it has not yet been removed they also added another XXXX for XXXX but the bill is not yet due because the due date was changed to XX/XX/2020. I have never been late with a payment and believe company representatives have not been helpful during this Pandemic

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-27
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. Here are the list of items that needs attention to be delete in my credit report : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$24000.00} XXXX XXXX XXXX XXXX Balance : {$720.00} XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This information is incorrect i have never been late. 
30 DAYS LATE XX/XX/XXXX XXXX XXXX/XXXX XXXX   ACCOUNT # XXXX. 
30 DAYS LATE XX/XX/XXXX XXXX XXXX XXXX  XXXX 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 2023-10-27
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting 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 account number XXXX is on my account because of fraud, it needs to be removed. I have contacted the credit bureau multiple times about this issue.

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 2021-05-22
Company: LEXISNEXIS
State: NY
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 made a CFPB report a couple of months ago about Lexisnexis violating mhy privacy i feel like my patience its been taking advantage of my request was ignored i feel like i am being taking as a joke. I am well aware of my rights as a federally protected consumer and before i am trying to get the issue resolved outside of the courts but if i continue to be ignored i will have my FCRA lawyer file a suit. As a federally protected consumer i have a right to privacy i never gave you written consent to furnish any report on my behalf no consent is identity theft that is a serious crime i want the bankruptcy removed from all my consumer reports

Company response to consumer: Closed with explanation