BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I had a revolving debt with Capital One that was in their collections unit. I was told if I paid the debt it would be deleted off the bureau 's. I recently paid the debt and was told that they now can't do it and it will stay on my credit report for the next 7-10 years. I was recently denied for a business loan because of this situation. I feel I was lied to about the whole situation and that's disingenuous to tell a consumer it'll be handled and nothing is taking of.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Dear XXXX XXXX, I have a credit card with XXXX  XXXX. I made payments on time, but after XX/XX/XXXX payment, I had a hardship. I miss some payments. On XX/XX/XXXX, I contact XXXX  XXXX and talk to a representative about my credit card trying to take it out of the red. Well, the representative helps me in the wrong way. Instead of me paying a {$170.00} in XX/XX/XXXX and {$30.00} in XXXX and leaving a XXXX balance that I owe because it was {$35.00} instead of {$30.00}. There was a balance credit before I made that {$30.00} payment on my XXXX  XXXX card while still in the store I try to make a {$3.00} purchase on my card and it declines. I was upset and embarrassed at the same time. My XXXX  started to hurt while in XXXX XXXX store. I went to see my doctor the very next day. This have became to be unhealthy for me. After making payments I was told that I can't file for hardship, because my account is in good standing and I don't qualify for hardship. I miss 6 payments, because I was sick and lost my job. Why didn't a representative tell me about the hardship program, before a family member made this {$170.00} payment for me. I'm still lockout of my online account online and card. I just talk to a hardship representative today, XX/XX/XXXX at XXXX in central time and was told that I dont qualify for hardship anymore because my account is in good standing. 

Sincerely yours,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX AND TRANSUNION HAS ACCOUNT ON MY CREDIT THATS NOT MINE. 

PLEASE DELETE ASAP.

Accounts:

Account name XXXX --Account number--XXXX XXXX XXXX XXXXAccount numbe--XXXX
Account name XXXX XXXX XXXX XXXX XXXXAccount numberXXXX  Account name XXXXAccount number-XXXX
Account name XXXX XXXXAccount number-XXXX  Account name XXXX XXXX XXXX-Account number--XXXX
Account name XXXX XXXX.-Account number-XXXX
Account name XXXXAccount number--XXXX  Account name XXXX XXXX XXXX XXXX-Account number-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 2023-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 U.S.C 1681. ACCT Name : XXXX XXXX XXXX & XXXX XXXX XXXX 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 2021-02-12
Company: Experian Information Solutions Inc.
State: GA
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: Other problem getting your report or credit score

Complaint:
I am applying for a loan and when SBA pulled my credit SBA stated my credit score with Experian was a XXXX However, I have an account with Experian and when I logged in and check my score its says a XXXX  credit score. Why is there such a different score when I and the SBA are pulling credit scores from the same source? It is not fair that I didn't get my loan because of Experian 's unfair practices. If they are showing a lower credit score by 100 points then I should be able to see it too! I have no late payments on my credit score but they provided a low score to SBA which is not right!!

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 2021-11-01
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check from my XXXX XXXX account to my Chase savings. I did it this way because it exceeded the daily limit for electronic transfers and I thought this would be faster. Chase shows the deposit as of XX/XX/XXXX. They placed a hold until XX/XX/XXXX. The check cleared XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX, the hold was extended until XXXX. None of the funds were made available at any point. My initial email was ignored. I emailed again on XX/XX/XXXX. The response I received was that they had indication that the check would not clear. I provided a copy of the cleared check and asked for more information at which point I was directed to their loss prevention department. After over an hour and 15 minutes of being on hold and the first person being unable to answer my questions, I was told that because they could not verify it had cleared with XXXX XXXX, they extended the hold. There was no indication. This was a local check.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
I have some negative reporting on my report from credit cards. But now the collection agencys have also placed negative information on report also! So for every card there is double negative reporting! Im being double slammed on everything! Its like reporting it twice! There are 4 derogatory credit card items but there is also 4 derogatory collection reports for same item!! How can they negatively report twice for same accounts?? Its ridiculous!

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 2019-02-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX purchased a collections account from XXXX XXXX XXXX XXXX, who bought it from XXXX XXXX, on XX/XX/XXXX. The purchased electronic files that does not include any contract or any other identification. I have asked for copies of all documents Portfolio Recovery purchased on this account and have not received them. Portfolio keeps fraudently reporting this account because they do not have the documents on this account. The keep telling me they are ordering this from the original creditor and have not and it has been beyond 30 days required by law for them to respond. I explained to them this account is not mine- I did not open it and they can not not even show proof of when it was opened. I am demanding that this account is removed from my credit profile immediately- I have filed multiple reports through the Consumer Federal Protection Bureau and they continue to send me the same few statements they have and not the full documents I have requested. The most recent letter they sent on XX/XX/XXXX said to call them to request copies of payment history when I called that same very day and requested this information verbally as well as through the Consumer Federal Protection Agency prior- They are ignoring my complaints on Purpose and does not have the documents needed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX I made a {$1500.00} payment to my citi credit card. The {$1500.00} has been taken out of my checking account at XXXX and paid to citi bank for this account yet citi bank will not release the payment 2+ business days later and doesnt have anyone available to talk to about why this payment is not reflecting on my account. Ive had citi credit card since XX/XX/XXXX, only paid out of one checking account ( the same checking account since XX/XX/XXXX ) and they refuse to release the {$1500.00} in funds they already received from me!? On top of all that, Ive never once since XX/XX/XXXX not paid my account with citi due to insufficient funds. They are thiefs!

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 2021-09-22
Company: SYNCHRONY FINANCIAL
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was sued by XXXX XXXX XXXX. They submitted a robosigned affidavit. The same affidavit that you took action against in case File No. XXXX. The affidavit they sent to the courts is verbatim of the affidavits listed in the above case File of 2015 on page 13 paragraph b. and 14 paragraph c. They have spurned your discipline and are continuing in using these affidavits. I will be glad to send to you what they filed. The judge ruled against me based on thus affidavit alone! This is misleading and deceptive.

Also I tried entering the last four of my SSN, but couldn't so here it is 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 2022-04-15
Company: CAINE & WEINER COMPANY, INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX. XXXX, XXXX  ( XXXX XXXX XXXX XXXX  ) Account status Open Type Derogatory Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original Creditor Name XXXX XXXX  {$110.00} Closed No Info

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: EQUIFAX, INC.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A delinquent trade-line from the company XXXX XXXX XXXX for {$3100.00} still appears on my Equifax credit report despite the fact this account is not mine, the other credit bureaus have removed the account, I have disputed it, and no proof has been sent to me that this account even exist. I am not sure why Equifax would let this happen as I have contacted them multiple times telling them this. They won't let me dispute this item online for some reason. Please help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27
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: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX I sent out my XXXX round of disputes and they still have yet to remove or respond any Information back. I have also spotted many inaccuracies and FCRA violations which is affecting the banking system and I am reaching out to the CFPB as an agent top remove this fraud information from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: Bread Financial Holdings, 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: Account status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on COMENITYBANK. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 
COMENITYBANK/NY & CO XXXX Balance {$0.00} COMENITYBANK/VICTORIA XXXX Balance {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-29
Company: Experian Information Solutions Inc.
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: Old information reappears or never goes away

Complaint:
XXXX XXXX continues to re-age this account. It's well over 7 years old.

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 2023-04-12
Company: TRUIST FINANCIAL CORPORATION
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Trust is the original lien holder for the title on my vehicle which was paid off in 2020. I have been reaching out to them for XXXX  months trying to get a lien release mailed to me so I can register my vehicle in a new state. Despite calling their customer service and being told repeatedly that it would be mailed to me, Ive waited now XXXX  months without receiving the document and I cant drive my car without it. I have even followed up with their Closed Loan Department without any success. The resolution I would like is for Truist Bank to send me my requested Lien Release so I can use my car 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 non-monetary relief
Consumer complaint received 2023-07-06
Company: Experian Information Solutions Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have reached out to Experian regarding a collection that is reported on my credit profile by XXXX XXXX XXXX. I have asked Experian many times to properly investigate/validate this collection because I do not recall signing a contract for the services neither did I sign a contract with XXXX XXXX  XXXX establishing an agreement to pay them anything. I've asked Experian to provide me with an original contract that I signed for the services that were allegedly provided and/or an original contract between me and the collection agency ( XXXX XXXX XXXX ). In order for anything to be reported on my credit report, I have to give my permission. Usually this is done when a contract is signed. Therefore, I asked Experian to provide proof that I gave permission for XXXX XXXX XXXX to report anything on my credit profile. Experian is reporting damaging information on my credit report without my permission.

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 2023-07-06
Company: Experian Information Solutions Inc.
State: WI
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:
Experian is constantly removing points from my score... I have an on going investigation with Experian that I've filled on XX/XX/23 that they still haven't responded to.. Experian lowered my score by XXXX points on today 's date XX/XX/23 because one of my credit cards ( XXXX XXXX ) balance increased by {$95.00}. This account was at a zero balance and the {$95.00} was for an annual fee. I spoke with XXXX XXXX and informed them off what Experian did and they couldn't understand why they lowered my score by XXXX points because of an increase. I've never been late or have I been reported late by XXXX XXXX. I feel as though this is an ongoing thing that Experian is doing. Would like to know what else can be done about Experian that keep reporting negative things on my credit report. From my understanding Experian have been sued for ruing people credit by reporting false information and lowering their scores. I feel as though I'm being retaliated against because of my complaints.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
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:
I recently pull my credit and i noticed a few collections on my credit with banks that i have never did business with. I did not authorized any of these accounts on my credit report.i called XXXX, experian and XXXX to inform them and i was told to send a identity theft report. None of these accounts listed are related to any transaction done by myself.

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 2023-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-07-06
Company: Experian Information Solutions Inc.
State: IL
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:
victim of identity theft and fraud and demand these accounts to be removed from my credit today. AXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: Experian Information Solutions Inc.
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: Investigation took more than 30 days

Complaint:
I purchased a XXXX XXXX XXXX from XXXX on XX/XX/XXXX. XXXX XXXX XXXX XXXX were the bank that financed the car. During the ownership of the car, it needed {$7000.00} worth of repair services that did not make sense within the first year of ownership. I contacted XXXX XXXX to inform them. They put 2 payments in the rear of the loan to assist me. However, the loan was 2 months behind. I did not receive any phone calls or written notifications that the car was in repossession status. I have sent certified letters on XX/XX/XXXX asking for validation and proof on how the car was repossessed. 

I was living in XXXX XXXX XXXX at the time of the repossession. The repossession company violated my rights by taking possession of the car in my underground garage which is locked and only accessible with a remote control. I have been contacting XXXX XXXX for well over 2 years trying to get written proof of everything and I have not received it so I am filing a complaint here and my next move is the Attorney General. XXXX XXXX is well known for their fraudulent practices

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 2019-02-04
Company: Ditech Financial LLC
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I submitted a check for the XX/XX/XXXX payment to Ditect on XXXX-18. The check was in the amount of {$270.00} but was never posted to my account. I have talked to several Ditect reps about the issue and faxed in proof that the check was processed from my bank. They have failed to apply it to the mortgage account. According to one Ditect service rep, issues like this happen often. I fear that this has happened to many of their clients and they are taking advantage of other customers.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation