BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-02
Company: BANCO POPULAR DE PUERTO RICO
State: PR
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:
I have a credit card with Banco Popular de PR. My statements run from the XXXX of every month to the XXXX of the next month. On my XX/XX/XXXX statement my cancellation balance was XXXX, which I paid and posted entirely on XX/XX/XXXX, and balance was left at XXXX. In the XX/XX/XXXX statement the bank is charging XXXX on interest, after I had cancelled my entire balance 9 days before the new statement came out. Bank refuses to eliminate charge. Same thing happened with XXXX and XXXX XXXX XXXX, which did remove the incorrect interest charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX  XXXX Balance : {$580.00} ; XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$580.00} ; XXXX XXXX XXXX  XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX  XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2022-12-09
Company: EQUIFAX, 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:
When I investigated my credit report, I realized that some of the information was erroneous. Equifax and XXXX are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
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:
I have submitted a dispute to both XXXX and Transunion. My dispute was about the " reporting date '' in an item in my report. I had a dispute with XXXX XXXX in XXXX XXXX. I paid the account and then closed the account. XXXX was the issuer of my XXXX  XXXX XXXX card. Upon closing the account my credit score went from XXXX down to XXXX within XXXX hours. No problem, I was 1 month late. Move forward to XX/XX/XXXX. My credit score was back to about XXXX someone reported the XXXX info to the credit bureau XXXX XX/XX/XXXX, my credit score dropped to XXXX. I had a long discussion with supervisor at XXXX  XXXX XXXX and she assured me they did not submit that report, in fact she said they hadn't submitted anything since I closed the account in XXXX. I'm almost sure the question from XXXX and Transunion sent to XXXX XXXX XXXX  was " is the information in the report true ''. Who submitted the data again on XXXX XX/XX/XXXX. After they closed the dispute I talked to them on the phone and they reopened the dispute only they gave me the same answer, the info in the report is true. Yes but who submitted it to credit bureau if XXXX XXXX  XXXX didn't. How can I get my score back to 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 2023-04-18
Company: EQUIFAX, INC.
State: PR
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 XXXX XXXX : 1. Submitted on XXXX XXXX, 2023 File number : XXXX Completed on XXXX XXXX, 2023 ITEM IN DISPUTE : XXXX XXXX XXXX XXXX DISPUTE REASON : I have no knowledge of this account. 

CONTACT INFORMATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX RESULT : Disputed information was verified as accurate XXXX investigated your dispute but the information was verified as accurate. Other information was also updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: Experian Information Solutions 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 asked the credit bureaus to do a verification of everything on my credit report and they did and also stated that everything was accurate. I did a research myself and found inaccuracies on my credit report even after they said they did a full research. In Accordance with Fair Credit Reporting act XXXX Account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, all have 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 2023-04-18
Company: Experian Information Solutions Inc.
State: SC
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 am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

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 2023-07-17
Company: BARCLAYS BANK DELAWARE
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: Information belongs to someone else

Complaint:
I have a Barclays credit card account for a Frontier Airlines card. I checked my credit score on XXXX XXXX about a month ago ( XX/XX/2023 ), and saw that my score went down as there was a new line of credit opened. As I investigated further, I saw that there was {$970.00} in charges to this newly opened Barclays Banana Republic credit card account. I was very confused as I know I only have one Barclays account and I have never shopped at Banana Republic. I immediately called Barclays ( XX/XX/2023 ), reported it as fraud, had an investigation opened and the account closed. I also made an account on IdentityTheft.gov and went through their " Recovery Plan '' which suggested I place a credit freeze and fraud alert on my credit reports as well as an extended fraud alert, which I did.

Today ( XX/XX/2023 ) I checked my credit score again and the {$970.00} in charges were back on my report and the remark on my account now stated " Account previously in dispute - Now resolved by data furnisher ''. Again, I immediately called the Barclays fraud department. They said that their investigation determined it couldn't be fraud as you have to present an ID to get the Banana Republic card. I demanded my account be re-investigated for fraud and told them I will be sending a letter of explanation as well as submitting a complaint to CFPB.

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 2022-11-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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:
Once again I am starting a complaint to fix an ongoing problem. The original CFPB complaint was XXXX. Bank of America said they fixed the problem with my credit card. However, based on the latest statement they didn't do anything. I have a credit card that has a XXXX interest promotion. Yet each month I get interest charges where I have to call the card to have them removed. The spend 30 minutes to an hour each call trying to convince the individual that BoA is charging me when they shouldn't. Of course none of then believe me so they argue with me. Eventually after they do research they realize they are the real problem, not me. Every person I speak with has no clue how to get this to stop and obviously the last person for BoA that worked this same issue didn't either. Bank of America has a very bad reputation for a reason.

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 monetary relief
Consumer complaint received 2022-12-09
Company: Medical Data Systems, 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: Their investigation did not fix an error on your report

Complaint:
I reached out to the MEDICAL DATA SYSTEMS I XX/XX/XXXX via each Bureau who sent my dispute directly to Medical Data Systems. I requested them to please investigate and delete from my credit report. They didn't respond. After they sent this I asked them to send me a breakdown of what they are alleging that I owe, the breakdown of fees, or bills and who the information came from. They DIDN'T RESPOND. I waited until to this matter was followed up with another letter from me on until XX/XX/XXXX to send a reminder letter and they also didn't respond. As of Today I still have not heard back from MEDICAL DATA SYSTEMS I. I am allowed under the XXXX law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to ANYONE, for them to release my medical information to a third party. I understand that the XXXX does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and XXXX authorization - Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you Please note that withholding the information you received from any medical provider in an attempt to be XXXX compliant will be a violation of the FDCPA because you will be deceiving me after my written request. I am requesting full documentation of what you received from the provider of service in connection with this alleged debt. IT HAS NOW BEEN OVER 90 DAYS SINCE THEY HAVE RECEIVED MY ORIGINAL LETTER. Being that they haven't responded means that they couldn't verify the information and therefore not only violated FDCPA but also XXXX. This account, account number # XXXX to be removed from my credit report immediately being that it is inaccurate and violates the regulations of the FDCPA and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: Foursight Holding LLC
State: AZ
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:
First let us talk about the response by Foursight Capital to you on this same issue in a prior complaint. 

They claimed that they had a problem reaching me by phone. XXXX XXXX XXXX XXXX cell phone number has not changed and I have never received a voicemail from them with any pertinent information. 

The stop payment was called in on XX/XX/2022 XXXX day before the payment was due, butthey had already processed the payment XXXX day before the due date, apparently so that they had it on the due date via theXX/XX/XXXXou can verify this date by contacting XXXX XXXX at XXXX XXXX XXXX in XXXX XXXX, because I was there on an appointment to call Foursight and get a pay -off of the loan ' Then they appear to clam that I had to make payments for XX/XX/XXXXmonths at XXXX percent and had no option to pay off the loan sooner, however in 2022 I got XXXXXXXX XXXX quotes as I went from refinancing the vehicle to sell off an investment and paying them off in cashiers check on XXXX XXXX in the amount of {$25000.00}. On XX/XX/2022 they showed the loan as closed on my credit report with a XXXX balance due, but have since claimed that I still owe for a late charge of {$410.00}, apparently for the payment due XX/XX/2022, when they were paid in full XXXX days prior. It is now in month XXXX after they reported the loan paid in full with a XXXX balance. Last week, I went to the Arizona XXXX office and asked about how to get a replacement title. The agent said if all else fails I can pay for a bonded title, but it is expensive, so she suggested I send them a Lein Release first, and so I did that via fax and explained that the return document had to have a wet ink signature, and suggested they return it in the prepaid and pre-addressed Priority Mail envelope that had accompanied the certified check in XXXX. The fax was received, and no XXXX XXXX has been received this week. 

They also admitted that they continued to process the auto pay payments for XXXX more months, until XXXX of 2022, and were applying the payments first to the unapaid late charges and NSF fees created by the failure to stop the auto payment in XXXX, thereby leaving me to pay the charges they created when I paid off the truck in XXXX. Most of the charges were therefore illegal because they were churning a checking account that had been blocked by the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Subject : Inaccurate information on Credit Reports To resolve my complaint with 3 Credit Bureaus with fair resolutions, I mailed a Good Will letter to XXXX, XXXX and XXXX on XX/XX/XXXX and XXXX XXXX XXXX to update my credit report, keep my accounts in good standing, and fix any delinquent late payments, inaccurate information including derogatory remarks, unverifiable/outdated, and incomplete items/information including removing transferred and third party sold accounts. One discrepancy is ( along with several ) is the different numbers of open/closed accounts on all the Credit Bureaus XXXX XXXX, XXXX and XXXX. Each Good Will letter to all three credit Bureaus was sent with the same information. Below is the Finance Company and Credit Data Corporation with Company names, dates and credit report information : On XXXX XXXX XXXX XXXX Credit Report ( XXXX XXXX  XXXX ) ( XXXX XXXX XXXX ) XX/XX/XXXX From XXXX XXXX XXXX XXXX is showing past due and have derogatory remarks but account was removed. 100 % Payment history is excellent with no Hard Inquires. My Credit Cards use rating is excellent with zero balance and credit age 10 months. Low impact on open and closed accounts. XXXX accounts. 

On XXXX XXXXXXXX  - XXXX Credit Report ( XXXX Score XXXX ) ( Credit score XXXX ) XX/XX/XXXX there are derogatory remarks and in collections from XXXX  XXXX  original creditor XXXX XXXX XXXX  {$610.00} opened XXXX ( not in collections and no derogatory remarks on XXXX credit report ). XXXX XXXX XXXX XXXX removed with no derogatory remarks on XX/XX/XXXX XXXX XXXX XXXX. Number of accounts XXXX. 100 % Payment history excellent Credit card use rating is excellent with zero balance on credit card usage but credit age 10 months. Zero Hard inquiries. 

On XXXX ( XXXX  Score XXXX ) XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX original creditor XXXX XXXX XXXX  XXXX  account showing in dept collection {$1700.00}. That account was removed from XXXX and XXXX credit report between XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX XXXX  credit card credit limit {$300.00} was paid on time with no past due amount. XXXX  XXXX  original creditor XXXX XXXX XXXX date opened XX/XX/XXXX high balance {$840.00}, ( but on XXXX report balance {$610.00} opened XXXX. XXXX Closed accounts. 
Please correspond and update all inaccurate information accordingly, Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please see the attached documents, the personal information you are reporting are not mine.

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 2022-12-09
Company: Experian Information Solutions Inc.
State: MD
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded 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 explanation
Consumer complaint received 2022-12-09
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:
I submitted a letter to the XXXX Credit Bureaus to UPDATE these unverified items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-02-21
Company: Bread Financial Holdings, 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 information incorrect

Complaint:
Good afternoon Sir/Ma'am, I sent the credit bureaus ( XXXX, XXXX and XXXX ) letters on XX/XX/2023 asking them to verify the debt on my report they have sent back stating that everything is verified correctly. XXXX is the only credit bureau that sent me back documents within the thirty day period with verification and XXXX sent an email. XXXX is still reporting inaccuracies and have yet to respond. My credit reports are still showing inaccuracies. By law 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

I have listed below the accounts name number and addresses. 

Name : CCB/ ULTA  Account # : XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CCB/ FE21 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: TRUIST FINANCIAL CORPORATION
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:
The presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it may have on my credit, as 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 significant financial and emotional distress this negative rating has caused me and will continue to cause until it is resolved.

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