BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have send over 5 requests to Transunion They are not updating my report or removing inaccuracies- They have not given me a copy of my report. They sent 1 generic letter!

They are the ONLY reporting agency reporting these!

Reporting inaccuracies XXXX - says Im a co-signed on a count never provided proof of debt validation XXXX XXXX Account- has a person same name with a totally different sob and social from me and still reporting the fraud XXXX- states a late payment it it was paid off early in full never was late ever!

The inquires attached were done without my consent. Signature or acknowledgment and they wont remove after contacting them three times they have failed to protect my rights by law and harming my score and credit account with inaccuracies they also have not update zero balances on accounts that have no balance since XX/XX/2021 I want them held accountable

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 2021-08-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I SENT IN LETTERS REGARDING INACCURATE REPORTING FALSE ITEMS ON MY CREDIT REPORT. I DID RECEIVE A RESPONSE HOWEVER, IT DID NOT FIX THE EXISTING PROBLEM. I WOULDN'T BACK DOWN REGARDING MY DISPUTES TO SHOW ALL OF THE INACCURACIES AND DECEPTIVE PRACTICES OF THESE CREDIT REPORTING AGENCIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have tried numerous times to have my creditors review and update my credit information to no avail. I printed out all XXXX credit bureaus, credit reports and I 've also sent the disputes trying to update all my information and as of now my credit report is still the same I paid off all of my credit cards with revolving interest and the majority of my accounts with a large balance and I still have a low score. I 'm currently in the process of purchasing a home but I can not purchase my home with my credit score being so low. I sold my previous home in order to pay off all pending loans and credit card balances and no change as of yet. Please help!!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Experian is very reckless with their reporting tactics on consumer 's credit reports. I found a tantamount of inaccurate information on my account from my name, to my address, to my social security number, to wrong information on my accounts, wrong status, and reports of derogatory items that were 10 years old and generic entries made by Experian on my accounts that lingered old accounts way past its statute of  limitations. Experian is the only reporting agency that shows more that a XXXX point gap on my account consistently from other reporting agencies. It showed that there were close to XXXX unauthorized inquiries made on my report and I tried to report that to them and got nowhere. My credit report shows a reflection of another person as I do n't recognize my name, social security number, my accounts, my address, or the XXXX inquiries on my report. This whole ordeal with Experian has caused me financial hardships because it has damaged my credit in many ways that seems unfixable. I 've reached out to Experian many times but received nothing in return. Experian needs to be held accountable for their reckless behavior on my report that has caused unnecessary hardships. I could n't get a student loan to finish school because of their carelessness.

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 2021-08-12
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
experian upload refuses to accept uploaded info ( proof attached ) supplementary information for active dispute in account of XXXX XXXX XXXX XXXX. 
acct will be involved in litigation naming experian

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 2017-10-10
Company: ALLY FINANCIAL INC.
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Ally Financial has been very aggressive trying to collect unpaid balance from GAP insurance. I am not liable for shortage, I was paid up to date with them at the time of loss. They are calling my house 15 times per day, and calling in late evening hours past XXXX when my children are asleep..

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 2017-10-10
Company: Convergent Resources, Inc.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This company has illegally re aged this alleged debt that I owe. They have also reported their debt collection agency as a an open account on my credit report. which makes it seem like I opened new accounts and defaulted on them. these deceptive practices have hurt my chances to obtain credit. Now I will be forced to take legal action against this agency unless they delete these erroneous accounts from my credit report immediately.

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 2015-07-06
Company: ALLY FINANCIAL INC.
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I financed a vehicle through Ally Financial in XX/XX/XXXX. I missed XXXX payment and was unable to pay the late fees which accumulated and turned into payments. Although I continued making the payments. The car was repossessed in XX/XX/XXXX when the late fees totaled XXXX car payments.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I reviewed my credit report and XXXX has listed my XXXX payment as delinquent. My payment due date is the XXXX of each month and my XXXX payment was submitted on XXXX XXXX. It was not past due as indicated on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
What is the complaint about? 
Capital One negligently refuses to credit my account from a third party vendor ( XXXX XXXX for a purchase XXXX {$670.00} XXXX back in XXXX XXXX, XXXX even though that vendor XXXX XXXX XXXX agreed to credit my account {$570.00} minus a {$100.00} change fee on XXXX, XXXX, XXXX. I have spoken to Capital One customer service reps for months in XXXX trying to confirm that they received the information that they needed from me and not once did they say the information they needed was delayed. They failed to process my return in good faith and were deliberate in continuing to keep the amount on my credit card. Not only that, multiple rebills appear on my statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
A charge of {$240.00} was made to my Credit card account on XXXX XXXX. I became aware of the fraud when I received a box of XXXX pills in the mail. I called synchrony Bank and found out the charges were made on this account. I also found out 2 other fraudulent charges were also made. I was the victim of fraud/identity theft and did not make/ authorize any of those charges. Synchrony Bank did not say anything about me returning or keeping the product, but I did attempt to. I was unusable to locate an address for return, but found a phone number on the invoice. When I called it I was told they were a distributor of many products and would need more information from me. As my identify/information was already compromised, I refused and hung up. Since I was unable to return the product and was distraught, I threw the pills away. The bank did open up a claim review, but is holding me liable for the purchase of the keto pills as the purchased item ( s ) were shipped to your address and you authorized, participated in, or benefited from the purchase. Yes it was sent to my home, as this was part of the stolen information, but in no way did I authorize, participate in or benefit from the purchase. I would never take such an item! I explained this to them. I am being victimized twice! Once by the fraud and once by the bank who is suppose to protect my information and me from fraudulent purchases.

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 2017-10-10
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Yesterday I received a notification that I had a new inquiry on my credit report. I purposely added a fraud alert on all three credit bureaus a few months ago to avoid this from happening. The credit bureaus are out of control right now and do not care about us consumers. I did not authorize anyone to run my credit for any reason yesterday. The following fraudulent inquiry need to be removed immediately. They are violating my privacy rights by just letting anyone pull my credit. XXXX XXXX XXXX - XXXX/XXXX/2017.

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 2021-08-12
Company: CITIBANK, N.A.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I made a {$1500.00} purchase from XXXX XXXX for XXXX washer and dryer on XX/XX/2021 using a XXXX Credit Card d/b/a Citi Crad. On XX/XX/2021 XXXX attempted to deliver them but would not install the appliances. Complaint made and assured installation on XX/XX/2021. Delivery opened boxes on street, loaded and brought into my home and hauled my old appliances out before informing me they would not install the new appliances. A complaint was made again ; then, XXXX staff arrived on XX/XX/2021 to install but did not complete the installation, parts were missing, and no warranty was provided. I made a complaint with XXXX Credit Card to dispute charges, as well as, consumer fraud complaint with the XXXX XXXX XXXX  and XXXX Board of Directors. XXXX Credit Card representative, XXXX, would not initiate the billing dispute on XX/XX/2021. So, I made a payment {$1400.00} to prevent a past due occurrence which appeared to be the intent of XXXX Credit Card and leaving a balance of {$190.00}. After a second call on XX/XX/2021, XXXX Credit Card initiated the billing dispute but continued billing me, sent me to collections, continuously sent past due statement and reporting me to credit reporting agencies while the billing dispute was pending! A letter dated XX/XX/2021, stating a {$1500.00} credit and/or refund with adjustments was going to be issued but I continue to receive invoices with interest, harassing phone calls from collection agencies, and e-mails stating past due balances. Meanwhile XXXX is not addressing incomplete installation of my appliances, missing parts, and no warranty issued for my appliances! XXXX tells the XXXX XXXX XXXX ( i.e., XXXX  ) they were working the customer but the actions by XXXX toward me is different and fraudulent ; lies and gaslighting me ( i.e., the customer ). This has been going on since XX/XX/2021. Given the letter dated XX/XX/2021, stating credit/refund and adjustments, I continue to be harassed, bullied by XXXX Credit Card d/b/a Citi Card and it's agents ( i.e., collection agencies ) even after requesting a cease and desist order! I received a letter acknowledging my request but the harassment continues in retaliation for my complaints! XXXX XXXX and XXXX Credit Card consumer fraud activities are with impunity thus far!

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 2017-10-10
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XXXX XXXX, XXXX, I signed a lease for a new vehicle. The dealership made errors on the paperwork multiple times, and the paperwork was not finalized until XXXX ( XXXX ).  Our payment due date per the Lease contract was on the XXXX of each month, but because the paperwork was not finalized, we never received a Periodic Statement ( required under Regulation B ) for the first month. At the end of XXXX, we finally received a Periodic Statement dated XXXX/XXXX/XXXX showing a due date of XXXX/XXXX/XXXX, showing the total amount due as {$440.00} ; the amount includes 2 monthly payments ( XXXX and XXXX ) of {$210.00} each, and a late fee of {$10.00}. 

There are two Regulation B violations here, one of which I was able to rectify by contacting the company 's customer service phone number. When I alleged a Regulation B violation, the customer service representative did not know what Regulation B was, but nonetheless agreed to waive the late fee of {$10.00} on the XXXX payment, and remove the late fee from my credit report. 

Second, I asked that my due date for XXXX be changed to XXXX/XXXX/XXXX, which is 21 days from the date of the periodic statement as required by Regulation B. The customer service representative, their supervisor, and the supervisor 's manager all refused this request saying that it was not possible. They informed me that I could exercise a lease option to change the due date ( an option which I only get once ). I informed them that the due date change should not count as my request, and that instead it is the earliest due date allowed by regulation. The manager was combative, telling me that " regulation B is your regulation '', and that his system would not allow him to change the due date for 1 month, or to not count the change as a request per my lease option.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: Statebridge Company
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10
Company: EQUIFAX, 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts Credit Bureaus post on a credit report. Otherwise, anyone paying for Credit Bureaus reporting services could fax, mail or email in a fraudulent account. 
I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) Credit Bureaus have on file of the XXXX XXXX XXXX XXXX account .Ive Been trying to verify this account for four months from XX/XX/XXXX -XX/XX/XXXX and the Credit Bureaus failed to positively verify these accounts and has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I made a purchase at XXXX using my XXXX Credit card ( XXXX XXXX ) in the amount of {$12.00} on XX/XX/XXXX. 

In XX/XX/XXXX I noticed the amount had not been auto-paid despite the fact that in XXXX I enrolled in autopay. I called in and spoke with an associate to pay off the {$12.00}. She was very kind and said she took care of it. 

On XX/XX/XXXX I noticed that not only was the {$12.00} not paid off, a late fee was added meaning my call in XXXX had not in fact resulted in a payment made. I spoke with a young man who said the associate who assisted me in XXXX accidentally left a dollar on the payoff resulting in a further late fee on my account. He assured me that it did not actually go to collections which I found out later it did. 

At no point in time was I informed of any bills being sent to collections. 

I pulled a credit report in XX/XX/XXXX and saw that my credit took a negative hit due to a XXXX payment of a XXXX charged. I called XXXX  credit card services and spoke with XXXX who informed me that the charge was sent to collections in XXXX and that if the associate I spoke with in XXXX had assisted me correctly it never would have gone to collections thus negatively hitting my credit. 

I asked XXXX to pull the XXXX call logs and simply listen to them and hear that I called and made a good faith effort to pay. She said to do this I would need to send a certified letter to this address and then XXXX Credit Card Services will pull the call records. I sent a letter via certified mail to the name and address of Comenity Bank that XXXX told me to send a letter to. The letter was sent and confirmed receipt XX/XX/XXXX ( tracking number XXXX XXXX XXXX XXXX XXXX ). 

I received a letter from XXXX XXXX " Customer Care '' team on XX/XX/XXXX stating " We are in receipt of your letter ... requesting a goodwill adjustment to the information reported on your credit files. After reviewing our records, we find that we are unable to make any adjustments. If you have any questions, please write us back. '' My letter was detailed and requested a copy of call logs for proof that I called and tried to make the payment. 

I am horrified that an associate did not properly apply my payment and that I now have a hit on my credit due to her error. Credit is not something to be taken lightly and I have always taken my credit seriously. I am saddened that XXXX did not take the time to write a personalized response addressing why they could not make the adjustment. 

Furthermore, the request I am making is NOT goodwill, it 's to correct an error on their part. Please assist!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10
Company: Prosper Marketplace, 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts Credit Bureaus post on a credit report. Otherwise, anyone paying for Credit Bureaus reporting services could fax, mail or email in a fraudulent account. 
I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) Credit Bureaus have on file of the Prosper Marketplace Loan account .Ive Been trying to verify this account for four months from XXXX XXXX XXXX XXXX and the Credit Bureaus failed to positively verify these accounts and has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 
CAPITAL ONE- Balance {$0.00} -Date Opened : XX/XX/XXXX CAPITAL ONE BANK USA N-XXXX XXXX Balance {$0.00} -Date Opened : XX/XX/XXXX CAPITAL ONE BANK USA - Balance {$0.00} -Date Opened : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation