BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-05
Company: EQUIFAX, INC.
State: CO
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:
NEW COMPLAINT On XX/XX/XXXX, XXXX XXXX XXXX installed an incorrect windshield in my car. I gave them a check for {$100.00} for the deductible. In resolving the issue, the XXXX representative recommended I cancel this check. However, this was not adequately communicated within XXXX and they accidentally sent it to a collections agency, XXXX XXXX debt collection. When I returned a voicemail from XXXX XXXX, the representative would not listen to my explanation, told me she was submitting the case to collections and hung up on me. She would not return my repeated calls. Concerned, I submitted the first complaint to the CFPB and XXXX XXXX 's response on XX/XX/XXXX was " We have been advised by the creditor to remove the account from collections. This will not affect the complainant 's credit. '' However, on XX/XX/XXXX, XXXX XXXX in fact submitted a " New Collection '' on my credit report. I filed a second complaint on XX/XX/XXXX and their response was " We sent a notice to delete the trade line from consumers credit report today. '' As of today, XX/XX/XXXX, the New Collection still appears on my credit report. Please remove this item as soon as  possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
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 fraud alerts or security freezes

Complaint:
When the XXXX breach happened, it was recommended to put security freezes on our accounts with the big 3 credit bureaus. Whereas XXXX and XXXX allowed this for free, TransUnion wanted {$10.00}, but they would put a " Security Lock '' on my account for free, so I did that. Upon attempting later to remove that lock, the online TransUnion account that it had me set up, would not allow me to remove it, only to change it to a Freeze for {$10.00}. I called the listed number. It took 4 separate calls to different numbers. Each time, I was put on hold, then had to give all my identification verification information, then was told I needed to be transferred to another department, was transferred, put on hold again, then had to give all my identification verification information again, then was told I had to call a different number. Every time, it seemed I was getting to the same initial department, and transferred to the same second department. All were offshore call centers. On the 4th call, the second department successfully removed the lock. This was a very abusive experience.

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 2019-07-07
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
The issue is with experian with XXXX XXXX XXXX. I have report fraud to experian and advise XXXX  XXXX XXXX this is not my account.

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 2018-01-25
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX I spoke with a paralegal rep by the name of XXXX @ XXXX XXXX XXXX XXXX XXXX ATTORNEY AT LAW XXXX XXXX XXXX, XXXX, NJ XXXX Office # ( XXXX ) XXXX Toll Free Fax : ( XXXX ) XXXX or ( XXXX ) XXXX I ask this ( ( XXXX ) ), why in fact I have not received ALL payments receipts nor any kind of notifications from this collection agency sinceXX/XX/XXXX & that the last notification was from Attorney XXXX XXXX which is a copy of the letter to the Courts of canceling/withdraw our court date XX/XX/XXXX @ Mag. Dist No : XXXX, MDJ Name : Honorable XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, PA XXXX tele : ( XXXX ) XXXX .. in which I was being sued from XXXX XXXX XXXX XXXX XXXX the matter of their client : XXXX XXXX XXXX vs. XXXX a/k /a XXXX XXXX XXXX XXXX XXXX XXXX XXXX whom I have trouble with in the past year has been rude and totally disrespectful as to my many complaints to this firm simply hung up on me and I call right back and requested the same and which to receive so with the help of CFPB please.. as to the fact that I am up to date with payment to this collection agency and I have no payment record keeping of my own as proof of all payment from this firm ..keep in mind if the firm follows policy of their own we will not have to trouble one another in the future this is not right as I was told I would property review a bill in the mail with the due date and balance of record from this collection agency .. 
Question : HOW AM I TO KNOW WHAT I HAVE PAID AND HOW MUCH IS OWED IF THIS FIRM DOES NOT GIVE ME PROOF AS PROMISED.. 
IF THEY CAN TAKE MY PAYMENTS ON A MONTHLY BASE THEY NEED TO SEND AND HONOR MY REQUEST ASAP.., AS THIS IS LAW.. AND MY RIGHT.. 
this is in their records and this is my formal request as to I will NOT make anymore payments to this collection agency cause I will move forward and dispute the entire debt collections as to their default on their agreement... 

Docket No : XXXX Case Filed : XX/XX/XXXX XXXXXXXX XXXX XXXX File #, Account # or Docket # ( ( ( XXXX ) ) ) XXXX XXXX XXXX XXXX XXXX : ( ( ( XXXX XXXX XXXX a/k/a XXXX ) )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I use a number of financial management applications that leverage fully legal financial aggregation services to pull my checking, savings, and credit account information together. This is imperative to budgeting for my family. Over the course of the last two months, Capital One has taken an active role in blocking my ability to use these 3rd-party services with my data stored in Capital One 's systems. I am filing this complaint in response to discovering that this was not just impacting me, but all Capital One customers -- My financial data is my own and I should be permitted to use my data however I so choose, not just in the prescribed, highly restricted access Capital One offers. In calls with Customer Service, I was told that this restriction is put in place for my own protection, however that is not Capital One 's place to be able to make that distinction -- I get to choose where I bank, how I bank, and with whom I share my banking information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-07
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX XXXX is reporting an inaccurate listing of a Chapter XXXX and Chapter XXXX Bankruptcy on my credit report. Furthermore, I reached out to the Indiana Bankruptcy court and they provided me documentation that they do not give any third party 's or companies information, and they don't report bankruptcies to any credit bureau. They refuse to remove this inaccurate information or provide the verification method.

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 2019-07-07
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX XXXX is reporting an inaccurate listing of a Chapter XXXX and Chapter XXXX Bankruptcy on my credit report. Furthermore, I reached out to the Indiana Bankruptcy court and they provided me documentation that they do not give any third party 's or companies information, and they don't report bankruptcies to any credit bureau. They refuse to remove this inaccurate information or provide the verification method.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-07
Company: Conduent Incorporated
State: AL
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
My card keeps being denied even though there is money in my account. It is nearly impossible to speak to a live person. I lucked up and found a web site that give instructions to beat the automated loop and get to an operator. Took 3 hours but I finally got someone, 1 hour on the phone with them reading scripts and putting me on hold only to end up saying they did not have an answer for me. Ask for supervisor, stayed on hold 2 hours until my phone went dead. I have no way to access the money in my account because the card is denied every time I try to use it. Even if I try to pay online by typing in the numbers. This is my child support and I have bills to pay. The state forces us to get the CS this way yet we have no way to access our money. CRAZY!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Company: CARD Corporation
State: IN
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I have called, emailed, sent documents and I have just recently received a card! Since XXXX my account has been active and someone has been using it so every transaction is being disputed over XXXX dollars I also have a power of attorney but they refuse to talk to her about anything she has submitted paperwork to confirm this as well

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-07
Company: SYNCHRONY FINANCIAL
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Back in XX/XX/XXXX, I purchased a new mattress from Mattress Firm. Against my better judgement, I decided to open a credit card financed by Synchrony to pay for it instead of one of my other cards since there was a promotion of no interest being charged. The credit line was for {$1200.00}. I paid every month, electronically and on time. Back in XXXX  of this year ( XXXX ) I was notified that they decreased my limit ( and left me with {$30.00} credit ) because they pulled my credit report and saw that the score was low ... My score is higher now than it was last year when I got the card!! I contacted them and got the same canned response. My credit reports are fine, and like I said the score is higher. I ended up paying the whole card in full. I heard before opening the card some consumers complained, but decided to take a chance anyways with the promotion being interest free. All I want is to close the account, but wanted to file a complaint first in case the account needed to be open. I want them to remove themselves from my credit report when I close the account. I'll never do business with these crooks again.

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 2019-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Under Rule 5000 FDIC guidelines, a debt can be classified under two options, standard and sub-standard. Sub-standard debts are debts placed into a charge off status, and that takes place on secured debts as posting for 180 days late. As this dispute proves, the dent showing as a charge off status has never been more that 60-days late. Accordingly, the charge off status is fraudulent, and must be removed. XXXX XXXX XXXX has an obligation under its subscriber agreement with the three major credit bureaus to abide by the rules under the Fair Credit Reporting Act, the Fair Debt Collection Practices Act, and the guidelines under the FDIC Act, which gives strict guidelines pertaining to sub-standard debts and charge off status requirements. The charge off status must be deleted permanently.

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 2019-01-05
Company: Experian Information Solutions Inc.
State: PA
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:
Under Rule 5000 FDIC guidelines, a debt can be classified under two options, standard and sub-standard. Sub-standard debts are debts placed into a charge off status, and that takes place on secured debts as posting for 180 days late. As this dispute proves, the dent showing as a charge off status has never been more that 60-days late. Accordingly, the charge off status is fraudulent, and must be removed. XXXX XXXX XXXX has an obligation under its subscriber agreement with the three major credit bureaus to abide by the rules under the Fair Credit Reporting Act, the Fair Debt Collection Practices Act, and the guidelines under the FDIC Act, which gives strict guidelines pertaining to sub-standard debts and charge off status requirements. The charge off status must be deleted permanently.

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 2019-07-08
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I disputed through cfpb and the company i disputed said on the cfpb portal that the items in dispute are no longer on my report and that is not true. Equifax will take unverifiable information off a credit report is in dispute and then pkace it back without providing the necessary documents to do so and they keep practicing it with my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-07
Company: SYNCHRONY FINANCIAL
State: OK
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I was previously employed with XXXX from XXXX, and after my separation from the company I decided to pay some credit cards off, with my XXXX credit card being one. I paid it off on XX/XX/19 to help my credit score, and eliminate a monthly payment. Today, XX/XX/19, I was looking over my accounts as I do regularly, and I noticed that my XXXX account showed a {$0.00} balance, but there was no available credit, so I called the number on the back of my card. I spoke with a representative, and they said my account was closed because of my credit report. One, I didnt request a limit increase, so why were they running my credit without my consent? Two, I made all of my payments on time, so I wasnt a bad or irresponsible customer. Three, my credit score increased due to paying off the cards that I did. I need a good explanation as to why they shut my account down, hurting my credit score, because from where I sit I feel I am being retaliated against for separating from the 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 2018-01-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I tried to deposit check into account on XX/XX/XXXX ... ATM stated hold til XX/XX/2018. Upon waiting for check to clear BOA stated they were closing my bank account without notice I inquired as to why their response was my check was fraudulent and could n't be verified bank check was issued from XXXX XXXX XXXXXXXX in which XXXX XXXX XXXX XXXX XXXX gave me the check. I was able to call to verify check thru XXXX XXXX XXXXXXXX. After back n forth calls with BOA they still have n't told me what happens to my money NIR have they stated when I was to receive me funds. I 've lost a lot of gas patience bills are backed up and I dont know what to do.

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 2017-10-05
Company: DISCOVER BANK
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I have not had or used a Discover Card since 1999. Pursuant to Florida Statute below, they had only five ( 5 ) years to attempt to collect this debt. I continue to receive calls from whatever entity purchased the Discovery Card debt - and this is now unenforceable and these calls are now harassment. I want to file a complaint against Discover Card for continuing to contact me and attempting to collect from me which is in clear violation of Florida Debt and Consumer Laws. This debt is over THREE TIMES past five year maximum amount allowable under the law ( pasted below ). 

Title VIII LIMITATIONS Chapter 95 LIMITATIONS OF ACTIONS ; ADVERSE POSSESSION View Entire Chapter 95.11Limitations other than for the recovery of real property.Actions other than for recovery of real property shall be commenced as follows : ( 2 ) WITHIN FIVE YEARS. 
( a ) An action on a judgment or decree of any court, not of record, of this state or any court of the United States, any other state or territory in the United States, or a foreign country. 
( b ) A legal or equitable action on a contract, obligation, or liability founded on a written instrument, except for an action to enforce a claim against a payment bond, which shall be governed by the applicable provisions of paragraph ( 5 ) ( e ), s. 255.05 ( 10 ), s. 337.18 ( 1 ), or s. 713.23 ( 1 ) ( e ), and except for an action for a deficiency judgment governed by paragraph ( 5 ) ( h ). 
( c ) An action to foreclose a mortgage. 
( d ) An action alleging a willful violation of s. 448.110. 
( e ) Notwithstanding paragraph ( b ), an action for breach of a property insurance contract, with the period running from the date of loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I have several Citi credit cards and applied for them due to benefits associated with the account such as car rental insurance, trip cancellation coverage, baggage protection, etc. I paid annual fees, got inquiries put on my credit, and had new accounts put on my credit. This was to find out that there is actually no insurance on my credit cards starting XX/XX/2019 - they are stripping all advertised benefits. This is false advertising and consumers are being hurt in a devastating way. Citi can not be allowed to advertise these benefits then remove them after consumers have taken a hit to their wallets and credit to get them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: PENTAGON FEDERAL CREDIT UNION
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
In XX/XX/2022 I was buying a new Car for my husband the dealer ships had extremely high rates. I applied with Pentagon Federal credit union was pre approved for the loan. Once i inputted the vin number there system could not pull it up in XXXX because it was a new car. 
I then reached out to customer service about this and they said if the program couldn't pull it up then they couldn't do anything about it. 
on XXXX  XXXX I emailed XXXX XXXX the CEO for PenFed about the issue i was having with there system and being surprised the advanced technology that they had that made the merger with XXXX XXXX XXXX XXXX XXXX such a good thing wouldn't allow me to finance a new car at the 4 % or so rate versus the 11.04 % the dealership presented me with. 

I then receive a call from XXXX this person was requested by XXXX to call me. During our conversation she said that there were a few issues with the system that they were hopping to have worked out in a few month and were going into XXXX  at the end of the month. But that if i go ahead and get the car then penfed would refinance it as soon as they could. She would also let me know how the testing went and when it would be available. 

I never heard back from her. So i went online and try to refinance my car and was declined on XX/XX/2022. As of XX/XX/2022 I have failed to recieve the adverse desion letter from Pentagon federal credit Union. 

I reached out to XXXX on XX/XX/2022 no reply. 

I reached out again on XX/XX/2022 and received a call from XXXX XXXX. She stated that she is requesting the adverse action letter to be e-mailed to me in the next 24-48 hours. She said there is nothing they can do about the denial. Unless i provide documentation to disprove XXXX. But i still haven't received this letter so that i can begin this process and credit reports are only good for 30 days. I asked about the promise of Pentagon Federal credit union to refinance my car and she ignored it. 

At this time it looks like on the loan end Pentagon Federal Credit Union is going to cost me at least XXXX dollars in the first 12 months of ownership from there lack of willingness to refinance my car as they promised.

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