BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-12
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: Problem with personal statement of dispute

Complaint:
I am writing this letter in response to XXXX recent correspondence related to my account. The Fair Credit Reporting Act does not demand that all accounts be reported, only that any account that is reported be reported accurately. Therefore, a company does have legal discretion and permission to remove any account it chooses from the credit report. I an requesting XXXX to do that in my case for this account. 
This debt is over XXXX XXXX XXXX. XXXX closed they business in XX/XX/2010 and still they are reporting this debt. 

On XX/XX/2010 XXXX XXXX agreed to make account current and remove all negative marks from my personal credit file. At this time, I called back XXXX because I did not received the written document and this is when I learned that XXXX shut down their operation and refused to make any changes.

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 2021-01-21
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 am a victim of identity theft. An account for XXXX with a balance of XXXX is showing on my credit report. I've attempted to dispute this account with XXXX directly and have been told to submit the attached documentation. As this has been ongoing for several months I am now filing this complaint. Attached to this complaint is confirmation of the identity theft from other companies that have had to do similar investigations.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20
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:
The following " hard inquiries '' are being reported by all three credit bureaus ; ie, XXXX, TransUnion, and XXXX. I did not authorize these inquiries. I have disputed this information directly with the credit bureaus and the requesting companies, and I have not received any acknowledgment of my complaint or any response whatsoever. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2021-06-23
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-07
Company: Upstart Holdings, Inc.
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Was approved ( not stated as pre-approved but actually approved ) for {$2900.00} on XX/XX/2021 then denied on XX/XX/2021 after they received all my banking info and links to my bank account. Really feel like this is a bait and switch tactic to get all your personal information. They replied that so much had changed on my credit that they couldnt actually give me the loan they approved me for. I linked all my bank information to them and I feel like I have been scammed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-12
Company: AES/PHEAA
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On XX/XX/XXXX, I checked my XXXX XXXX account to see that my score dropped 47 points. This happened because every one of my student loan accounts had a balance increase of various amounts that resulted in over {$10000.00} total increase. My problem with this is that I've been out of school since XX/XX/XXXX. I've never received a notification from XXXX XXXX about the accrued interest on my loans being added to my credit report. I'm currently in an income driven repayment plan that has a monthly payment amount of XXXX dollars every month. It doesn't seem fair that I'm following a program based on their recommendation for my situation, but am being penalized by my score dropping tremendously. Further, the information on my credit report versus the loan details is not presented to me the same way, which seems misleading. An example being that one of my loans has a current balance of XXXX. This number has been this amount for over a year now with no accrued interest added to it until this month. So now all of a sudden the accrued interest for this loan has been reported for this account and XXXX XXXX says the balance has increased from XXXX to XXXX out of the blue. When I go to my loan details page, my current balance for this loan still says XXXX. What is reported to me versus what's reported to the credit bureaus is not presented the same way. If they can attach that interest to my loan for credit purposes than the current balance on my loan should reflect that number reported to the bureaus not the same XXXX then another section listed as " unpaid interest. '' I believe that this interest should not be added to my credit report as it has not ever been reported up until this point and it is not reflected in the current balance in the loan details page on my online portal. I feel that I am being penalized for following my repayment plan that was assigned to me by my loan servicer. If my current balance is one thing on my loan details page, it should be the same on my credit report unless the interest capitalizes and is added to the original loan amount. This style of reporting currently used by my servicer makes my loans look like a credit card account and that I'm supposedly borrowing more money and constantly changing every month. An installment loan is not a revolving credit account, thus it shouldn't be treated as one with constant changes in balances. An installment loan is only supposed to affect your credit score if you miss a payment or default. Neither of which has happened yet in seeing a 47 point drop which is ridiculous! This will adversely affect my ability to apply for a mortgage or any other lender based activity that my credit score is based on due to an account that I've never missed a single payment on. My credit worthiness is being depicted inaccurately because of this loan servicer. Please help me resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: Experian Information Solutions Inc.
State: GA
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  Account # XXXX U.S. Department of Ed, # XXXX U.S. Department of Ed, # XXXX U.S. Department of Ed, # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, # XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 an 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 non-monetary relief
Consumer complaint received 2020-12-16
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21
Company: ORG GC GP Buyer, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I had a debt on my credit report from XXXX XXXXXXXX XXXX in XX/XX/XXXX. I disputed the validity of this debt and the reporting company removed it from all 3 bureaus. As of XX/XX/XXXX this debt has re-appeared, this time being reported by GC Services. I have initiated debt validation with them as of XX/XX/XXXX. The biggest issue of this at this moment is the re-aging of this debt. it was originally reported as XX/XX/XXXX and is now being reported as XXXX XXXX. This is a complete violation of 15 U.S. Code & 1681s-2 responsibilities of furnishers to report ACCURATE information. This is completely inaccurate and this collection agency should be reprimanded for their deceitful collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20
Company: KEYCORP
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I had transferred XXXX dollars from XXXX to Keybank on Wednesday night. The transaction was received on a Thursday. It is now Monday and while the money was taken out on Thursday it is still not in KeyBank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: CL Holdings LLC
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Jefferson Capital System is ruthless. This debt is a time barred debt. It on an old XXXX  XXXX  account that is about 15 years old and these people are on my credit report when XXXX XXXX is not. They will not stop calling me now matter what

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 was going over my credit report and I noticed that there are several unauthorized inquires of my report. I do not recall applying for any account for business or credit. I am not sure who would access my personal information for credit or business. These transactions were not originated by me nor did I give anyone permission to pull my credit report. I already own a vehicle. The following inquiries are not mine : XXXX XXXX, XXXX, XXXX, XXXX, XXXX  XXXX, XXXX. I am filing a complaint with the XXXX Police Dept as well.

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 2021-10-31
Company: Netspend Corporation
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid 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 multiple times and was treated poorly and was being told that my funds were not taken when I know how much money I had and my funds were in fact taken. The employees were hanging up on me and acting like they could not hear me. They did not provide me with proof of my funds not being taken and did not help me resolve the issue. I also escalated the issue twice with no resolution. I suspect that the company took my funds themselves due to the way this has been handled. Many transactions are missing from my statement and from my alerts and this is a problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I used my Capital One card to secure a car rental. I rented the car for a few weeks. At the end of every week I was charged a rental fee for extending the contract. However when the rental car was returned the rental car company XXXX charged me for the full amount of the month rental although I was making weekly payments. I provided Captial One with the signed agreements they returned the fees and then recharged me thus my card that has a {$1000.00} limit currently has a balance of {$2100.00}. This has ruined my credit score. I have never been over the limit and or not paid my bill. Capital One refuses to adjust my account. I am not clear why the XXXX they would even allow a charge that is more sufficient than the limit to be authorized. I want this matter clear and my account adjusted properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My husband was primary card holder and always addressed as such. I am not a co-signer of this card and there fore not responsible for this card. Since XX/XX/XXXX which was opened in primary card only in his name. In XX/XX/XXXX-XX/XX/XXXX Bank of America added my name to his bill. My husband was fighting XXXX and I was not aware of my name being added nor did I authorize Bank of America to add my name. When my husband XXXX XXXX XX/XX/XXXX sent XXXX certificate to them. I have contacted them many times of their XXXX  and I am not responsible but they insisted that I was responsible. I have been sent paper work from collection agency that was on XX/XX/XXXX. The next communication was from Superior Court that I have to file an Appearance with the court by XX/XX/XXXX which I have done. 
Please note I have mailed out documents by Certified Mail addressing to OCC regarding this complaint, you should be getting it if OCC forwards this information

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: 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: Was not notified of investigation status or results

Complaint:
I have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: FORD MOTOR CREDIT CO.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are some negative items in my credit report and dont belong to me COLLECTION Account Number : XXXX XXXX XXXX Date of inquiry : XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Mercantile Adjustment Bureau has reported a collection account to my consumer credit file.I do not owe this alleged debt! Mercantile Adjustment HAS NOT SENT any written notice of collection to me at all. This is a strong violation of the FDCPA! If Mercantile Adjustment Bureau has the right to collect in accordance with the FDCPA I am asking for validation of this account. This includes ALL CONTRACTUAL DOCUMENTS stating and proving that I am responsible for this account that I agreed to and authorized the alleged debt in question in which Mercantile Adjustment has reported to my consumer credit file. Mercantile Adjustment has no legal right to attempt to collect a debt as this does not belong to me. Again Mercantile Adjustment has not validated this debt nor sent me any notice of collection

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-12
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX reported this fraudulent transaction to the Credit Reporting Agencies since XX/XX/2013. Someone opened four accounts in my name unknown to me. I requested information from XXXX proving it was me but got none. I filed a dispute with the Credit Bureau but they upheld the Company decision. 
Please advise how to remove this false information from my report. 

Thank you, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-14
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
This XXXX XXXX XXXX 2nd mortgage account # XXXX has been paid. Experian CRA is still showing the account as " Open ''.

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 2020-08-20
Company: SELECT PORTFOLIO SERVICING, INC.
State: AZ
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:
There is an account that appeared while doing a credit check that was incorrect. This account has never been requested by me. It is a second mortgage debt through a company by the name of Select Portfolio Servicing. The account is said to have been opened in XXXX of XXXX   The loan was for {$100000.00} but there is a balance of {$55000.00}. We have never made a payment to this company and we have never been contacted by this company regarding payments or collections. We were not aware that this was on our credit report until we tried applying for a different loan with XXXX XXXX XXXX  recently. We did contact Select Portfolio Servicing directly and we were informed that they could not find that account in their system and they also could not match another account to my name, which is correct as we've never dealt with them before.

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 2021-06-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
My Quicksilver credit card account was charged {$26.00} in interest charges when it should not have been. I paid my balance in full for several months in a row, and despite this, I was still assessed interest on the card. 

My statement was produced on XX/XX/2021 with a statement balance of {$380.00}. I subsequently made a payment of {$400.00} on XX/XX/2021, i.e. the statement balance was paid in full. My next statement was produced on XX/XX/2021, and included the above mentioned interest charge, despite satisfying the full statement balance. I called Capital One to inquire about the charge, to which they responded that it was due to a payment being returned unpaid. 

While I understand that my payment was returned, it was returned on XX/XX/2021, again, this was after the date the statement was produced. And again, I paid the statement balance in full so that I would not have an interest charge, and will pay my next statement balance in full as to not have any interest charges. 

When I called Capital One I explained why I disagreed with the interest charge assessed to my Account and asked if it could be refunded. The Agent said that it could not be, as it was a valid charge. She offered to allow me to speak with a supervisor, and I accepted. I explained a second time with the Supervisor why I disagreed with the interest charge, who then said that it could not be, as it was a valid charge. 

I stated several times that if they would not waive/refund the interest charge, then I would like my communication to be escalated and handled as a formal complaint. I asked several times who I could speak with that handles escalated complaints, such as their department who would typically receive and respond to a CFPB complaints The Supervisor didn't have any contact information for that department and could not transfer my call to that department. The only thing she offered me was a suggestion to write a letter to the corporate office, which she could not even give me an address for. I cant even say with any confidence that my call was logged as a complaint. 

To summarize, I have two complaints : 1 ) I was charged interest when I believe I should not have been, and 2 ) I believe Capital One 's formal complaint management program is not adequate, specifically because a Consumer is not able to escalate concerns of Unfair practices to a Compliance officer or similar role ( not a call center supervisor ).

Company response to consumer: Closed with monetary relief