BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-12
Company: Total Card, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I got a credit card from XXXX and I dont want it. I have tried to cancel. You are on hold and no one ever picks up. I did not use the card and I dont want to be charged for the processing fee. Help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: BOK FINANCIAL CORP
State: CO
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Hello, this is regarding a BOK Financial 401k account that I have been trying to roll into an IRA for 3 months. For context, I was able to roll a separate 401k account with a different provider into my IRA in about 30 minutes. First, BOK declined to roll my assets because they require a " wet '' signature on the document form ( which was not indicated anywhere ), rather than accept the digital signature I provided. Now, because they are unable or unwilling to implement an electronic transfer system, my rollover bank rejected the check BOK had mailed to them, and in order to cut a new check, BOK is requiring me to fill out a form and get it notarized in order to cancel the old check ( even though they have received it back ). Their process for a rollover distribution is the most dystopian, bureaucratic, embarrassment to human cognition that I have ever seen, and the only logical conclusion is that they are intentionally making it difficult for individuals to withdraw funds from them ( presumably to inflate their XXXX XXXX for their investors ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02
Company: EQUIFAX, 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:
I have been contacting XXXX XXXX about a card that was opened that has been reporting on my credit reports. I have disputed this unverifiable debt. They have NOTHING with MY signature on it to verify this account is mine. They have closed the account on one bureau, deleted from another bureau, and showing on equifax. This is illegal ; and needs to be DELETED from my credit bureaus. I havent had a card with XXXX XXXX and i have disputed this. they keep updating the dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE RECENTLY BEEN DISPUTING FRAUDULENT LOAN ACCOUNTS THAT ARE MY EQUIFAX CREDIT REPORT AND THESE UNAUTHORIZED LOANS ARE STOPPING ME FROM BUYING A HOUSE FOR MY FAMILY ALONG WITH CAUSING MAJOR DISTRAUGHT I HAVE BEEN A VICTIM OF IDENTITY THEFT I HAVE FILED MY FTC REPORT ALONG WITH MY POLICE AND I HAVE SENT ALL OF THESE DOCUMENTS AND THEY ARE ALL DOCUMENTED AND ON FILE AND THESE FRAUDULENT ACCOUNTS ARE STILL COMING BACK VERIFIED AND I DONT UNDERSTAND WHY ACCORDING TO THE FAIR CREDIT REPORTING ACT THESE ILLEGAL FRAUDULENT UNAUTHORIZED ACCOUNTS NEED TO BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY FOR I HAVE TAKEN LEGAL ACTION WITH MY ATTORNEY TO ASSIST IN MAKING SURE THAT EQUIFAX FOLLOWS THE GUIDELINES OF THE FAIR CREDIT REPORTING ACT THE FOLLOWING ACCOUNTS NEED TO BE REMOVED IMMEDIATELY 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX  XXXX 4. XXXX XXXX 5. XXXX XXXX  XXXX XXXX 6. XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10
Company: Bread Financial Holdings, Inc.
State: IL
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:
The say if you spend {$10000.00} on their card in one year you get VIP membership in their casinos as per their website https : //d.comenity.netXXXXl  After spending that amount and not getting VIP, I contacted then and they said I had to spend it all at their casinos. That was not mentioned anywhere in their website.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX and Transunion are continuing to report a late payment for XXXX XXXX for XX/XX/2023. XXXX agreed to remove late payment in writing to CFPB, however, even after disputing this account in addition to CFPB complaints, no on has updated my account. To correctly remove the late payment reported by 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 2022-09-21
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2018-01-12
Company: PENTAGON FEDERAL CREDIT UNION
State: NC
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:
XXXX XXXX XXXX XXXX run my credit with out my authorization.

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 2022-12-10
Company: Experian Information Solutions 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 opened a dispute XXXX asking CFPB to remove two accounts which are XXXX XXXX XXXX XXXX XXXX. I also asked that the XXXX XXXX be updated to paid as agreed since it shows inaccurately reported late payment on three separate months. 

Today when I called XXXX I was alerted the account was permanently closed due to fraud being reported on account. PLEASE FIX MY ACCOUNT! I had account for 1 year, 4 months with one discrepancy I was asking to be fixed not for the account to be closed. This is disheartening because I value my accounts and this decision was completely adverse to my intentions on getting assistance with this 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 2018-09-13
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Santander Consumer USA auto loan contract at 18 % APR, when diving into the billing of why after so many years our loan amount wasnt changing, it was then explained that its 18 % DAILY interest on the balance owed. 

I was called and solicited by Santander saying i qualified for reduction in payment for 6 months, what they didnt say is that this was going to be interest only payments, and not advise it was hurting me in the long run and tacking on 6 more months to my maturity date. They used words like 'congratulations, you qualify for this 6 month deal '. 

We have tried to argue their billing practices. About 70 % of each payment was going to interest, and even if making payment on same day each month, it seemed to fluctuate which amount was going to the principal. 

We have put in several complaints, even to their Office of the President. They called on XXXX XXXX, my father ( cosigner ) is a veteran, and i told them do not call back on that day. They put in a cease and desist on our account, which included not sending any billing invoices, statements etc! This was not asked for, and they still should be generating the statements online, and that wasnt that case. So we lost all visibility to our account during that time ( approx 3 months ) until we told them to remove that cease and desist we didnt ask for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-10
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
XXXX XXXX potentially negative months {$1500.00} Closed Account info Account name XXXX Account number XXXX Original creditor - Company sold - Account type Unsecured Loan Date opened XX/XX/XXXX Open/closed Closed Status Charge-off Status updated XX/XX/XXXX Balance {$1500.00} Balance updated XX/XX/XXXX Original balance - Monthly payment - Past due amount {$1500.00} Highest balance - Terms 9 Months Responsibility Individual Your statement- This information is still report incorrectly on my credit reports.

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 2022-12-10
Company: EQUIFAX, INC.
State: NY
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:
Equifax is reporting an account from a company named XXXX XXXX that I disputed. They say the XXXX account is verified as accurate. However, I don't have any letters or statements from XXXX XXXX regarding the account. The account is reporting Not_More_Than_Three_Payments_Past_Due ; which is affecting my credit rating. I don't know what this account is. The reporting on the account is sporadic and inconsistent & doesn't make sense. There is no Credit Limit information reported from XX/XX/XXXX ( when Equifax says the account was opened ) through XX/XX/XXXX to verify. Additionally, there is no, Balance ; Credit Limit ; or High Credit info from XXXX XXXX XXXX. But Equifax says the account was open during that time. There isn't Actual Payment info for the entire time the account has been open however there is Payment History reporting from XX/XX/XXXX- XX/XX/XXXX. Equifax is reporting the : Amount Past Due was 1st reported in XX/XX/XXXX & theyre also reporting the Date of First Delinquency as XX/XX/XXXX. Again sporadic inconsistent reporting does not comply with the FCRA. Based on the reporting inconsistency of the account, Equifax is not reporting complete accuracy. The account # ends XXXX I dont have an account with any combination of those 4 digits.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
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: Credit inquiries on your report that you don't recognize

Complaint:
I have repeatedly called and written XXXX and Experian about fraudulent inquiries on my credit report and they refused to address and or remove them. 

XXXX : XXXX. XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX BANK. XXXX XXXX, XXXX XXXX. XX/XX/XXXX XXXX. XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX 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 2023-12-06
Company: Berlin-Wheeler, Inc. (Kansas)
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am filing a complaint against XXXX XXXX XXXX for violations related to a debt allegedly owed to XXXX XXXX XXXX Despite my requests for comprehensive validation under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, XXXX has failed to provide : 1. A signed original contract or agreement.

2. Evidence of their authority to collect the debt.

3. Clear verification of the debt 's legitimacy. 




Moreover, there is a discrepancy in their communication, citing both " XXXX XXXX '' and " XXXX XXXX, '' raising concerns about their accuracy and credibility. 




Earlier, a similar case ( XXXX XXXXXXXX # XXXX ) with " XXXX XXXX XXXX, XXXX '' regarding this account was resolved by removing the inaccurate report. XXXX 's inability to provide adequate validation, as legally required, should result in the same action. 




I request the CFPB 's intervention to ensure compliance with federal consumer protection laws and to address this inaccurate and potentially damaging credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: NAVY FEDERAL CREDIT UNION
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
About XXXX weeks ago Navy Federal had taken all my money out my account because of fraud. I didnt know about it until XXXX after when I tried to pay my rent. I called them and told them that I was aware about every transaction before them taking all my money. They have promised and said I would have all my money back by a certain day and still havent received all my funds. Tried to deposit money but they had still took money out and still havent received {$300.00} that I deposited

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: Kriya Capital, LLC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have submitted two dispute letters and a complaint stating that this account is unknown and it is fraud. The response both time from XXXX, says that the account is verified with no proof sent to me in the mail. I never applied for a XXXX XXXX account. I never filled out and signed a application to set up an account. I never provided a copy of my identification card to verify myself. I never made any payments on this account. This account was set up illegally and without any visible verification. This account was reported fraud years ago and the account was sold from XXXX XXXX ( original creditor ) to credence resource mana account number XXXX. Original balance reported was {$310.00}. Now it is reporting {$210.00}. Credence only change the amount to make it look like the account is justified because of my last complaint. Somehow they have obtained an old address of mine in XXXX XXXX and is using it now to report to XXXX. Originally they were using the address the illegal account was created at. Credence doesn't have any payment history reporting to XXXX and can't provide it because it doesn't exist. payment history on credit report is saying data unavailable. I am requesting this account be removed off of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-12
Company: Upstart Holdings, Inc.
State: FL
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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08
Company: ID Analytics, Inc.
State: NV
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 recently purchased a new car and all of the credit bureaus sent me a report telling me my credit score. Now there is a company claiming it is called XXXX XXXX with a 250 point disparity between 3 major credit bureaus credit scores. I never authorized for this company to have my information and they seem to be fraudulent and committing slander on the American Consumer. XXXX XXXX is fraud.

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 2018-09-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08
Company: EQUIFAX, INC.
State: AL
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:
Creditor : XXXX XXXX XXXX XXXX Credit Bureau : Equifax XX/XX/XXXX Request for Removal of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from Equifax on [ XX/XX/XXXX ] and I noticed an unauthorized inquiry had been made. ( XXXX XXXX XX/XX/XXXX ) I contacted XXXX XXXX  XXXX on several occasions, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile due to identify theft in XX/XX/XXXX, and have yet to receive and investigation report or a removal of this inquiry. 

I request that this inquiry is removed immediately. I have given more than the legal time for XXXX XXXX  XXXX or Equifax who approved this inquiry to provide me with results from an investigation providing signature or valid proof of myself being the person who approved this inquiry. Please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 7 business days of recieving yet another complaint. If there is not a response in a reasonable time as I have given more then the legal time I will have no choice but to file suit which I have had to do in the past. 

Thank you for your assistance in this matter, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 XXXX XXXX XXXX acct # XXXX, XXXX XXXX  acct # XXXX, XXXX  acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX XXXX  acct # XXXX, XXXX XXXX  XXXX acct # s XXXX & XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. Stress i have the right to privacy.

15 U.S.C 1681 section 604 A section 2. It alson states a consumer reporting agency can not furnish a account without 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