BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-20
Company: Experian Information Solutions Inc.
State: MD
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:
XXXX XXXX XXXX claim that I owe a mortgage amount of {$120000.00} within my credit report. XXXX XXXX is in violation of Fair Credit Reporting Act and Fair Debt Collection Practices Act. I have disputed the account several times with all major bureaus because it is reporting as OPEN. This account has been CLOSED and CHARGED OFF since XX/XX/XXXX which XXXX XXXX reported back in XX/XX/XXXX within my XXXX credit report. However, they changed from the correct reporting as years have passed. I printed and kept my XX/XX/XXXX XXXX correct documents when XXXX XXXX reported it CLOSED/CO. XXXX XXXX started to INCORRECTLY report the debt as open again starting in XX/XX/XXXX. PLEASE make them report fair and correct within my credit reports. They are adversely affecting my life and I can not get permanent employment due to them incorrectly reporting a charge off as open. XXXX XXXX is engaging in unfair and outrageous methods to collect a Closed and Charged debt and other illegal financial manipulations which are apparent to be intentional.

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 2019-05-07
Company: EOS Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
This complaint is in regards to a debt that has been placed on my XXXX credit report. I have sent letters to EOD CCA at XXXX XXXX   XXXX., XXXX, MA XXXX lasking them to provide me with a copy of a SIGNED copy of a contract exclusively between me, XXXX XXXX, and EOD CCA, stating a contract for repayment. This debt was originally held by XXXX XXXX. To this day, I still have not received these documents. Every time I request this documentation, they send me a statement. I have sent letters to this company on the following dates : XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019 And XX/XX/2019. I still have not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 disputed 3 alleged accounts on the credit report that Trans Union has reserved under my name. They stated the alleged debts were verified. Upon receiving their letter for the alleged accounts which were unverified. I ASKED for the procedures of how these 3 accounts were verified and furnish the documentation for the alleged accounts which to date i have not received. Trans Union have not provided their procedure or documentation i have requested. I believe Trans Union is violating my consumer rights according the FCRA. 

According to FCRA if an account is inaccurate and can not be verified it must be deleted from a consumer 's credit report. I am requesting that they delete the accounts they have on file regarding me. 
I have attached 5 exhibits of our communication through the mail detailing their disregard of my consumer rights.

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 2019-05-21
Company: Lending Club Corp
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Again, I've been contacted by XXXX XXXX XXXX and threatened with legal action by a lady named XXXX. I told her the first time that she called me that I was not to be called at work and she continues to harass me and then laugh when I tell her it's unacceptable and needs to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: EMCC Holdings, LLC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
EQUIANT FINANCIAL SVCS XXXX - This account is not authorized and is therefore fraudulent. I only agreed to in-house financing and not third party loans. My information was provided to this company that opened an account under my name without my consent. My personal information has been breached. It is not authorized and I have never given permission for it to open and charged. Please remove this account from my credit report, all of the inquiries, and block them from placing these unauthorized account on my credit. I am a victim of fraud and theft. I have requested verification of this account. This has not only caused us much financial hardships, but is also a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance many loans I have or obtain new lines of credit. This inaccurate account is being reported in my credit records and is hurting my financial stability.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Purchased a car from XXXX XXXX XXXX XXXX, Ga location, provided my information online also had my dad as a co-signer. Went to the car lot and was informed that i wouldn't be able to use my dad as he was not present at the time. So they told me my limit and had me pick out a car, and sign the paperwork I checked that the loan paperwork had all of the correct information and signed. Months went by and the car never showed up on my credit, call the dealership and informed them of the issue they told me to and i quote " give it some more time ''. Ended up checking my dads credit and the car was on his report, we immediately contacted the car dealer and they kept giving us the run around for over 6 months. We then decided to contact Capitol One Auto finance, they were no help either. Tried to file a police report didn't work police informed me that it was a civil matter. Dealership tricked me into giving them the car and filed it as a repo and had the car resold to wash they're hands of the fraudulent loan. Capitol one has not returned my year worth of payments ( {$7200.00} ) nor my down payment that was my XXXX XXXX  XXXX  that I traded in ( {$2500.00} ). As an American state citizen and a as a flesh and blood living being ( non entity/ non debtor ) under oath to the most high of creation only and provided the facts listed herein XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 already sent disputes to the bureaus and to the creditor asking to remove the late payment marks on my report as I was never late paying the account. I never got any response from them. I sent another letter asking them for any documentation that will prove that I was ever late on this account but did not get any response. 

Also, the way they are reporting the account is incorrect. I am seeing repetitive 60-day marks which is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND I HAVE FOUND AN INACCURATE ITEM THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT HAS CAUSED MASSIVE HARDSHIP ON MY CREDIT. PLEASE RE-INVESTIGATE THIS ACCOUNT AND HAVE IT REMOVED OFF OF MY CREDIT AS SOON AS POSSIBLE.

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 2020-06-23
Company: PNC Bank N.A.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Will not let me link my bank account to my XXXX  account, I am currently with PNC bank and when I attempt to set up an auto transfer program it sent a message saying they were having trouble connecting

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Dear Wells Fargo, My family and I have been loyal customers of Wells Fargo, Wachovia, XXXX  XXXX for 40 plus years. 

My account balance is more than {$25000.00}. 

I am unclear why I have received inferior service from the executive team and the portfolio team. The executive team ( XXXX ) ndicated I would be considered for the most competitive interest rate and she would contact Mr XXXX about this. However, when I spoke with Mr. XXXX on XXXX, there was no competitive rate offered whatsoever. He was out of the office on XX/XX/XXXX so I was not able to lock in a rate. 

I initially had an appointment with him on XX/XX/XXXX to discuss the interest rate. He did not contact me at the scheduled time. I tried to reach back out to him but no one with his team was able to or willing to connect me with him. This led me to contact the executive team. 

I do not understand why the bank is unable to provide me a competitive interest based on my loyalty and account balance. 

I do not feel valued as a customer. We live in a competitive market and your competitors are offering superior customer service and promotions/incentives to customers. 

The executive team has not been helpful or taken any ownership in the concerns raised. This has been time consuming and does not reflect well for Wells Fargo. 

Thanks, XXXX 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 2021-08-05
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: Was not notified of investigation status or results

Complaint:
I have disputed erroneous accounts present with XXXX, XXXX, and TransUnion for many months with little response from the credit bureaus. This is a violation of the Fair Credit Reporting Act and the accounts listed in the attached letters should be deleted.

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 2020-07-30
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was told this debt was paid and considered closed. 

It may be under my old name XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: Lending Club Corp
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I submitted a consumer credit application with lending club bank and was denied. when they sent me the adverse action notice it stated they could not approve me based on things on my consumer report. I called the company and let them know they were violating my consumer rights pursuant to adverse action & Equal credit opportunity act by discriminating against my character and creditworthiness. I also made them aware that they didn't have the right to deny me credit because I'm the one who extended them credit with my credit card. pursuant to 15 USC 1602 Credit Card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. pursuant to 15 USC 1602 credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment. i used my credit card ( SSN ) to incur a debt for personal use. also when I spoke with the supervisor on the phone he was admitting to discriminating, pursuant to 15 USC 1691e they are civil liable for failure to comply under the equal credit opportunity act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-17
Company: United Student Aid (USA) Funds
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I filed a complaint with the CFPB reporting XXXX XXXX/XXXX XXXX 's misrepresentation of the terms of forebearances on their loans, their predatory practices along with their deceptive practice of leading people to forebearances without offering any other options, ( they've been sued for this in TWO states already ) on XX/XX/XXXX. The matter was closed and Navient reduced some of the unfair fees and interest they added to my original loan. I have made regular payments to Navient every single month for at least the last 2 years during my battle with them and did not miss a month.I refused to sign any document that claimed I owed $ XXXX when I know I never agreed to any of that and they no record of me doing so. 
They reduced the loan ( not by nearly enough, by the way ) because they could not deny the fraud that was committed against me. 

On XX/XX/2018 my loan was reported as defaulted to the national credit reporting agencies in an act that can only be interpreted as retaliatory. 
It is no coincidence that this was done barely 2 weeks after I filed my original complaint and XXXX REDUCED the balance of the loan. The letter is attached here. It says the reason they did this was because I " failed '' to enter into a " satisfactory '' repayment arrangement. 
Please keep in mind the ARRANGEMENT they are referencing here required me to agree that I owed them more than 40 THOUSAND DOLLARS for a $ XXXX loan that I have made over $ 10k- $ 13k in payment toward. I refused to agree to that because it was a LIE. 

I proved I did NOT owe them $ XXXX. The PROOF is that they immediately REDUCED the amount they said I owed by {$7000.00} once I filed my original complaint with your office. 
I have attached the balance Navient showed on my loan the month prior to my complaint and the balance immediately after my complaint. 
I want this loan expunged/forgiven if for no other reason than to show criminal operations such as XXXX XXXX/XXXX that they can not continue to be permitted to steal from and abuse people and then punish those who stand up for their rights by maliciously trying to ruin their credit and lives. 
I have reported this entire ordeal to the Maryland State District Attorneys Office as I am aware that XXXX has already been sued for this last year by tow other states.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
the following XXXX  XXXX  account is not mine, this is an inaccurate and fraud account reporting under my equifax credit reports, this has been disputed with them several times, they hare not helpful at all and to some what they are inaccurately reporting these accounts and not even helpful, i have already attached my police report, please find attached. 
please help me to have this one account removed from equifax thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
On XXXX XXXX, 2017 a certified letter ( see attached ) was mailed to XXXX XXXX about the public record reporting negatively on my credit report. In this letter it describes how maintaining this unconfirmed, unverified, and erroneous public record on my credit report has stopped me from obtaining credit and has caused financial damages as a result. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL FURNISHER, they must remove said information from the consumer credit file. I have called the clerk of Court and also obtained written evidence supporting the fact that TransUnion despite what it says in it 's response letter did not obtain information about a Bankruptcy from a credible original source. TransUnion continues to maintain incorrect unverified accounts on my credit report but by far this reporting is the more egregious of them all. TransUnion is in direct violation of Federal Consumer laws put in place to protect the integrity of the reporting process and consumer 's rights to fair and lawful reporting. TransUnion sent a response letter dated XXXX XXXX, 2017 stating the public record was " verified and accurate '' which is a complete fabrication.
Trans Union of course will never be able to provide me copies of all documentation associated with this Public Record Account bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature because it NEVER CAME FROM THE ORIGINAL SOURCE AS THE FEDERAL LAW REQUIRES. 

Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), TransUnion is required by federal law to verify through physical verification of the original court documents all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. 

So TransUnion must be calling the County Clerk a liar because the evidence is clear that this information was illegally obtained by nefarious ways to malign my good name and credit and is clearly a violation of ethical proportions.

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 2021-06-08
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My name is XXXX XXXX, I'm a Citi bank credit card holder for many years. Citi bank sent me an invitation to open a Citi gold checking account. On XX/XX/2021, I open the Citi gold online and I transferred {$200000.00} from my XXXX  XXXX XXXX account. 

I received the debit card after a week, the card number is XXXX XXXX XXXX XXXX. Checking account number XXXX, saving account number XXXX. But when I tried to activate my card, I was told that the account was closed by fraud department I called the customer service and the fraud department a couple of times, they said they couldn't tell me the reason why my account got closed and I would receive my deposit by mail within 30 - 60 days, or I can go to a local branch and ask for a cashier check. 

On XX/XX/2021, I went to a Citi bank branch at XXXX XXXX XXXX XXXX, XXXX, IL XXXX regarding my deposit. The banker XXXX XXXX told me that theres nothing the branch could do because I created and deposited the money online. 

While I was in the branch, I called citibank fraud department and trying to let them talk to the branch to come to a mutual agreement because I felt that I was kicking around by the fraud department and the branch which none of them could help me. My XXXX is locked in citibank and I want to get my money back. 

This is very frustrating and inconvenient for me as I need my money as a down payment for my property in need. Nobody in Citi bank would like to help me out. I'm so disappointed with Citi Bank. They sent me invitations to welcome me deposit XXXX to their bank and locked it away from me. Without this money I cant pay my down payment, I will miss the house I love so much. Its so devastating, I will never use citibank 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 2020-12-15
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: Account information incorrect

Complaint:
In XXXX of 2020 i notified Comenity bank about me being placed on XXXX  XXXX  due to a high XXXX  XXXX. I made them aware that I would not be working and what type of assistance could I get as far as my monthly payments. At the time I was told due to Covid they were not charging accounts with late fees or reporting late payments as long as there was communication between the customer and comenity. I was grateful to hear that I let them know I would be back to work in XXXX. I later notice they still reported late payments On my credit report even though I was told they would not be reported. I spoke to a representative with comenity Who apologized for reporting the error and I was told to send a message to comenitys credit reporting department through my secure account and let them know and they would correct it. They never responded after 30 days so I've then disputed the late payments they responded with agreeing to delete the late payments that were disputed. They never deleted the late payments and now they will not delete them.

Company response to consumer: Closed with explanation