BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-20
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: Their investigation did not fix an error on your report

Complaint:
I've contacted XXXX XXXXXXXX & they told me I've never missed a payment, yet Experian refuses to remove me from being listed as late on XXXX on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Experians job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please remove the late dates from this account : XXXX XXXXXXXX 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 2017-06-20
Company: Experian Information Solutions 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 XX/XX/XXXX, I went into XXXX XXXX XXXX XXXX on XXXX, XXXX , Texas and spoke with member service in regards to inadequate information on my credit reports. An Officer of the bank provided a letter in regards that I was never late and this account should be close with no negative remarks. This account was closed in XX/XX/XXXX; however the bank officer I spoke to at the time of closing my account did not show a balance owe to this account. The bank charged me a NSF fee after the account was closed which I do n't understand. I paid this account in XX/XX/XXXX in order to open an account at another bank. I submitted this letter and dispute the information online with Experian ; however, Experian updated reflected this account was charged off XX/XX/XXXX instead of XX/XX/XXXX once the account was closed. I disputed this information again with the bank because Experian stated they updated my information based on the creditors statement. This action caused my score to drop 24 points.

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 2019-12-04
Company: Comerica
State: KS
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
I have a DirectExpress card. I receive my SSDI on the third and my XXXX son 's receive SSI on the XX/XX/XXXX. All three go to the same card. When I used the card on the XX/XX/XXXXit was fine. When I went to withdraw from the card on the XX/XX/XXXXto pay my rent and utilities ... I was unable to use the card. In fact the message I received was that I was not an authorized user. I thought perhaps it was a glitch so I attempted to use the card at a store where it was denied. I then called the number on the back to obtain my balance and was immediately sent to a recording and placed on hold for over two hours and then hung up on. This has happened multiple times over the last 2 days. Today on XX/XX/XXXX I attempted to withdraw from the card again and received the same message so I attempted to set up an account on their website to find out what was going on with my card only to be unable to do so. The card is completely locked and the website states that all my information is wrong. I have attemped to contact DirectExpress countless times at all hours, I have contacted the bank Comerica Bank that issues the cards ( only to be told they have no access to the accounts ), I have contacted the XXXX XXXX XXXX, and am now contacting you. I have literally reached a dead end and have no idea what to do at this point. I currently have a call into my governor, congressman, and my attorney as I genuinely feel this may be a case of internal fraud. The fact that they are failing to contact me back and are continuing to hang up on me only feeds that belief. It is my hope that filing this complaint will help resolve this issue in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach 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 2017-06-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
This complaint replaces complaint XXXX. It is not a duplicate. I needed to give a more clear view of the transactions. These transactions were not authorized by me. Typically, I check my account every week. I did not do so as I typically would during these last few months. I receive e-statements online and not paper statements via email. However, I did not notice the transactions until I filed the dispute. Upon doing so, the card was cancelled and a new card was issued. I am not aware or recall any of these transactions being authorized by me. In addition, the dispute department failed to honor my dispute based on groundless claims such as log in attempts to my account coincides with transactions which is ridiculous. I log in to my account almost everyday whether I am making transactions or not. In addition, I informed the representative I kept my pin number on my card which could have made it easy for someone to use it whether I had my card in my possession or not.
The team had 3 weeks to investigate and decided to take me through the stress of waiting for a decision. A decision that could have been made in a few days at best. Why send me a new card to only reject my claim? I am upset about the way they do business and how a simple solution has turned into something complex. The money is not a lot of money to me and it is not worth the hassle Capital One is putting me through. I do not recall these transactions and unless they proved the transactions was made by me .... The dispute should have been honored and I should have been issued a refund. Period!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: CARS Acquisition, LLC
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have had to make disputes twice already against car financial services for incorrect reports they have made to transunion. Which they finally corrected after telling me they could not remove the incorrect info. Then XX/XX/2022 they once again have reported false information to transunion stating that I am 30 days delinquent in the amount of XXXX $ I made that payment via automated system through my checking account on or about XX/XX/2022. As of XX/XX/XXXX car financial does not even hold the loan for the account. I have repeatedly had problems and discrepancies about monies owed to them.In one day their mishandling my information caused my credit score through transunion to drop XXXX points

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12
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: Investigation took more than 30 days

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 credit score. 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 2019-12-04
Company: Carvana Group, LLC
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with signing the paperwork

Complaint:
I am currently in the process of buying a XXXX XXXX XXXX ( Vehicle-ID XXXX ) with Carvana LLC. Everything for the loan is done, my income is verified, I signed the contract electronically and I requested delivery of the vehicle for XX/XX/2019 or XX/XX/2019. The only thing that is missing, is the bank confirmation, that the required down payment of XXXX ( XXXX XXXX ) $ is not currently in my account available I am out of State and will return on XX/XX/2019, and the XXXX $ will be available on XX/XX/2019 early in the morning. Carvana does not charge the account until the vehicle is accepted by the customer, so I asked their Customer Service Person, to please hold the vehicle until XX/XX/2019. I was ( pretty rude ) told that they can not do that and I should look for another vehicle and then go through the procedure again. I know for a fact from a friend of mine who bought a car from Carvana, that they did exactly this -holding a car for 6 days. ( I will get a written statement from my friend ) BTW-Carvana provides delivery service between 5-15 days after the deal is done. It would cause me a potentially very substantial financial loss, if Carvana could not hold the vehicle until XX/XX/2019. Actually it would only be an extra 2 days from their normal delivery date.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: Experian Information Solutions Inc.
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:
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states i have the rights to privacy 15 Usc 1681 Section 604 ; It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B ; A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2017-06-07
Company: KINGS CREDIT SERVICES
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received extensive XXXX services approximately XX/XX/XXXX my daughter received some minor services on the same date XXXX XXXX 2 to be exact they charged for 4 total she never received 2. I paid up until XX/XX/XXXX and I continuously asked for an itemized statement showing that the 2 charges of {$180.00} each totaling {$360.00} were removed and that I would not pay any additional money until I received this statement. on XX/XX/XXXX I went into the office and spoke to an employee XXXX who stated my account balance was $ 300- {$400.00} but he did n't understand the accounting of it and that XXXX who was in charge was on vacation and he would have him call me 2 weeks passed and I called and left message with XXXX for XXXX to call back he never returned my call. On XX/XX/XXXX XXXX text me stating my account would go to collections for non payment I advised him I have never received an itemized statement as I had requested he stated I could request from collections agency. I received a collection letter on XX/XX/XXXX in the amount of {$740.00} I will also be sending a letter to them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: CITIBANK, N.A.
State: CO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Hello, I applied for the Home Depot credit card today ( A Citi store card ). Upon being approved for the card, I was shown a credit limit of {$600.00}. I then got an email advising I had a credit limit of {$1000.00}. I find the contradiction to be a major problem in keeping terms understandable to consumers. 

I called Citi cards and they further couldnt / wouldnt give me ( a consumer ) any information about the due date, bill cycle or talk to me about how the APR was calculated. Total stone wall job. I am a consumer just trying to get the basic details about how the card worked and no one wanted to give me the information. As a consumer, how are we supposed to know any of the terms of the credit cards we sign up for when these organizations refuse to provide it? Further, how can they offer a different credit limit in two different documents ( both of which I have ) and not honor the {$1000.00}? 

Citi cards also *asks* callers for their cell phone number so they can send the cell phone number a text - which makes no sense. Why wouldn't you text the number you have on file? Think about it - I am an XXXX - you ask for my number and I give you a number and you text it - I give you the code - you now have access to my information. This is a major security loophole if you ask me. 

After being a customer with Citi cards for nearly 2 decades, I am having to file a federal compliant because I cant get the credit line I was already approved for based on a hit on my credit or any information about the card. I think these folks need more regulation and I need a resolution. 

Thanks, I talked to : XXXX - Credit Supervisor Team 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 2022-04-06
Company: Experian Information Solutions Inc.
State: NM
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:
There has been a violation of my privacy as well as my consent to what is being shown on my credit report under the Consumer Law, 15 USC 6802, which states : Under the GLBA, financial institutions must deliver notices to customers regarding the collection and information sharing policies; providing customers with the choice to opt-out if they do not want their information shared with nonaffiliated third parties. 

My information that I consider to be very private and confidential has been shared without me being aware, and I was given zero notices to have any choice to opt-out of anything.

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 2017-06-07
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
My name is  XXXX   XXXX   XXXX  and I got a car loan from Santander consumer USA. The loan was to mature  XXXX . The original cost on the car was  XXXX . I put down  XXXX  dollars and my monthly payment is  XXXX  for 60 months. So far I have paid  XXXX  dollars plus and additional  XXXX  each month to submit my payment over the phone which abruptly stopped about 6 months ago. Just to make a payment I paid an additional  XXXX  dollars t o Santander consumer USA.      On top of all this, I has contacted the company about 3 months ago to pay off when I was told that an additional  XXXX  dollars has been added to my account. I was given a 10 days grace period and have been paying my bill on time for the pas t 5 1/2 year s until I was told that I was charged  XXXX  dollars for each day after the due day of   XXXX   XXXX   for all these years. I contacted them and they refused to do anything. Please help me,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: SYNCHRONY FINANCIAL
State: WI
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, 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2020-05-07
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:
BEING A VICTIM OF AN IDENTITY THEFT, I HAVE BEEN TRYING TO REACH OUT TO THE BUREAUS AND TO THE XXXX XXXX REPRESENTATIVE. SOMEONE STOLE MY INFORMATION AND THE ACCOUNT AND THE CHARGES ARE THE FRAUDULENT. I HAVE SENT TO THEM ALL THE APPROPIATE DOCUMENTS THEY HAVE REQUESTED, I AM CONSUMER WHO HAS BEEN A VICITM OF THE IDENTITY THEFT.

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 2019-12-04
Company: Experian Information Solutions Inc.
State: VA
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:
XXXX XXXX continues to call me at work despite being asked not to contact me. XXXX XXXX   has reported inaccurate information to the credit bureaus. Specifically, XXXX XXXX  is reporting late payments. I had a special payment arrangement in place with a set amount.

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 2022-12-20
Company: Experian Information Solutions Inc.
State: VA
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 XXXX XXXX, and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
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 XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/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 2021-06-10
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
On XX/XX/XXXX at XXXX EST and XXXX EST, each time we attempted to resolve this matter with XXXXXXXX XXXX XXXXXXXX Credit Card service ( Comenity Bank XXXX XXXX. The first time the customer service rep sent us to the main menu after 30 minutes trying to resolve the problem and the second time the customer service rep hung up on us. 

The problem we need resolved is this. We received a {$50.00} certificate coupon. We called XXXX XXXX XXXXXXXX to ask how we can redeem it. We were told we needed to make a purchase adn when the amount reflected on the statement, we could then have the credit applied. Now that we made a {$71.00} purchase, XXXXXXXX XXXX XXXXXXXX has notified us that the credit can only be made at the checkout of a new purchase via the physical store or online. 

We received conflicting information. Either way, we are entitled to a {$50.00} ceritifcate coupon and we ask the company it be applied toward our current balance of {$71.00} so that our new balance show as {$21.00}. 

Our Certificate Coupon is XXXX

Company response to consumer: Closed with explanation