BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-12
Company: SUN LOAN COMPANY INC.
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The Credit Bureaus are reporting inaccurate information on XXXX  XXXX XXXX ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: Bread Financial Holdings, Inc.
State: WY
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 opened a account with wayfair/Comenty bank, ( Comenity bank XXXX XXXX XXXX XXXX, Ohio XXXX ) they are the ones who turned this in to the credit agencies XX/XX/XXXX I had a PERFECT payment record until XX/XX/XXXX, towards the end of XX/XX/XXXX my Father was diagnosed with terminal XXXX XXXX I live in Wyoming I Immediately flew back to Indiana to be with my family he had a emergency Operation around the first of XX/XX/XXXX it didn't go good he died a couple weeks later on XX/XX/XXXX this was a Very traumatic event I can send death Certificate if necessary it was during this time for the first time EVER I was late when I got back to Wyoming the XXXX of XXXX and immediately made my payment now is when my problem begins Comenity bank turned this into the credit reporting agency 's didn't know this unit sometime later when trying to acquire loan I contacted Comenity bank trying to explain my situation that's when the problem started they have lost my account, Number XXXX comenity bank/ Wayfair were in the process of parting ways I was cought in the middle I contacted both comenity and wayfair they have no account information I have been going through a credit repair program but this bad report is still on my XXXX report I need it removed Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: EQUIFAX, INC.
State: CA
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: TRANSUNION INTERMEDIATE 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: Public record information inaccurate

Complaint:
XXXX and Transunion are reporting a bankruptcy on my credit report that was never filed on me. My husband filed bankruptcy and I was never included in the bankruptcy. I am asking that they send me proof that I was on bankruptcy papers and where they got them from because I verified with the bankruptcy people that they do not give out info to the credit bureaus. Please give me documentation that shows I am listed on a bankruptcy filing that you have proof of the info on the filing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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 a charge card with Kohls Department Store. I check my credit weekly, because it's important to me. I checked today and Kohl 's department store charge card reported that I was late. They reported it to XXXX on XX/XX/2020 and XXXX on XX/XX/2020. I haven't checked XXXX. When I reached out to them today they advised me I was late XX/XX/2020. I paid my account balance off of, {$77.00} today before I knew they reported me. I NEVER received a statement. I NEVER received a phone call. Because if I did I would have paid it in full. During this Pandemic my mind was more concerned about where I'm getting my next pay check to feed my family. Like most Americans I'm scared to death and my Kohls account of {$77.00} missed my mind to pay it on XX/XX/2020 to avoid a credit report. This is the biggest health care crisis and this is what Kohl 's department stores does to help it's customers during this!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-12
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Suntrust Bank XXXX XXXX is reporting inaccurately on my Credit Report,

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 2021-05-14
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
Not sure of date however i believe it was in 2019 that my vehicle was repossessed however i went the same day and paid all neccessary fees in which my vehicle was returned. I went to check my credit and was told there's a repossession fha is hurting my credit profile. I have paid all my debts and doing my absolute best to repair and this is the only thing in the way. I'm in search of help to remove this negative cloud off my credit report profile. Please any help in the right direction please. My car loan is from Fifth thrid bank i called them to assist and they forwarded me to this website

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25
Company: Hunt & Henriques
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX v. XXXX XXXX XXXX XXXX no. : XXXX XX/XX/XXXX, 20 09, XXXX filed a limited jurisdiction complaint against me, in XXXX XXXX Superior Court, alleging a single Common Counts cause of action on an open book account in the amount of {$3600.00}. 

I was never properly served with the summons and complaint in this and did not have actual notice of the lawsuit The process server company does not exist, which means the process server name and server # may be false, and the phone number listed for the process server company is registered to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XX/XX/22 i got alert from XXXX  saying a had account added to collection for XXXX this account is absolutely fraud the name is similar and address is only similar in XXXX this is not my account XXXX XXXX XXXX knows this account needs to be removed immediately I have filed police report and ftc report I also have obtain lawyer

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 2021-11-12
Company: CAPITAL ONE 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to the 3 Credit Bureaus last month. And now we are in XX/XX/XXXX and still nothing from them. That means the bureaus have not complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Remove these following accounts completely from my credit report : Capital One Bank Usa XXXX Balance {$9000.00} Open Date XX/XX/XXXX ; Capital One Bank Usa XXXX Balance {$0.00} Open Date XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01
Company: CITIBANK, N.A.
State: MA
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:
XX/XX/XXXX, I was charged {$1400.00} at Bloomingdale 's department store in XXXX for an online purchase. 

Citibank called me, asked me if I made the purchase, I said no, they reversed the charge and credited my account the amount. 

XX/XX/XXXX, I received notification that the charge was being re-issued after Citi claims they were provided information showing the charge was shipped to my house in XXXX, and that the investigation was closed. I called Citi, Bloomingdale 's, back and forth, both company 's kept saying the other would handle the dispute, neither did. Citibank did tell me that in order to recover my funds, I'd have to prove the item was never shipped to my address. 

Bloomingdale 's finally put me in touch with their own Fraud Research Group who told me that they had information stating that someone contacted Bloomingdales after the purchase was confirmed online from an unknown number and changed the shipping address to an address in XXXX, XXXX. I attempted to give this information to Citi at their original request, but they maintained the investigation was closed. This was still in XX/XX/XXXX. XXXX XXXX has given me a XXXX tracking number, which I've since forwarded to XXXX and asked for their help regarding this matter. 

I've also taken matters to the police in 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 2021-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
Hello, this is XXXX XXXX I want to submit this complaint because I have sent three rounds of dispute letters to TransUnion. One for the illegal collection fees on the account. And two asking for the original contracts of the supposed account. Three, asking for method of verification. After all this accounts remain with no method of verification and illegaly reinsertion of collection agency once already removed from credit report.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03
Company: GOLDMAN SACHS BANK USA
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:
I was issued an apple card on the month of XXXX. On XX/XX/XXXX, a fraudulent charge on a XXXX in New York state for XXXX was made using the same number as my card. The charge was flagged and declined by Apple/Goldman Sachs ad a new card was issued. However, the declined charge was posted on my monthly balance despite beiing declined. I called Apple card 8 times and repeatedly told me that a provisional credit will be issued within days, but was never issued. Is mystifying to me that a charge was declined but Apple still charged me and is not issuing the provisional credit. This is theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: Benworth Capital Partners LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
I applied a 2st draw and a 2nd draw PPP Loan through XXXX XX/XX/21 then they sent my application to my lender which is Benworth and I got approved and funded XX/XX/21 but until now I haven't receive my money yet, I keep contacting them but I can't reach them out because all their contact numbers are disconnected and even their emails are not responding too, I reported this because I don't know where to ask some for help. I am hoping that you'll take a necessary action about my complain..Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third-party involved. 

I XXXX XXXX, consumer, natural person and original creditor of an open-end credit plan was denied my right of credit by Capital One Bank . 

Capital One Bank ( USA ), N.A. d/b/a Capital One has now denied my right of credit to me, XXXX XXXX, consumer , natural person and original creditor of an open-end credit plan. I was notified of this transgression of my rights, specifically 15 USC 1601 the Truth In Lending Act by Capital One Bank ( USA ), N.A. d/b/a Capital One. on XX/XX/2021 via U.S. mail. Capital One Bank ( USA ), N.A. d/b/a Capital One. is out of regulation and has violated 12 CFR 1002 and has officially discouraged me even though it has been clearly regulated that I am protected from the beginning of an application process to the end of the application process. How is it that Capital One got what they wanted out of the application process but I did not benefit as well? Pursuant to 15 USC 1602 definition of the Truth In Lending Act I as a natural person possessing an open-end credit plan was harmed by Capital One Bank ( USA ) , N.A. d/b/a Capital One. Card Adverse action taken against me denying my rights, of which the civil damages pursuant to 15 USC 1640 ( a ) ( 2 ) ( A ) ( iii ) are up to ( {$5000.00} ) Capital One Bank ( USA ), N.A. d/b/a Capital One. is now civilly liable to pay me for the damages and honor my open-end credit plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Report. 

I have been patiently waiting on their response to the written requests I sent in TransUnion. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX  XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date 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 2017-08-25
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: Public record information inaccurate

Complaint:
When pulling my credit report through XXXX there is a judgement in my name at the XXXX County Superior Court 2 for XXXX XXXX XXXX XXXX. I have contacted the XXXX County Superior Court and Clerks office about this judgement. They sent my copies. I do not see this judgement as well as the XXXX County court. It is not in their records. 
I have contacted XXXX XXXX XXXX XXXX and they stated that the account was closed. 
I am disputing this because the judgement is keeping me from proceeding with my line of credit. My credit counselor has advised me to take care of my judgements in order to help my credit score. I have taken care of everything but this account is incorrect. 
Please help me to get to the bottom of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: EQUIFAX, INC.
State: TX
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 # s : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: Shellpoint Partners, LLC
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
To : CFPB From : XXXX XXXX Re : Shellpoint mortgage not honing pour modification on new porched loan & not allowing payments to be made having reps steer owner into short selling property at discount A. My property was under modification under the previous lender named XXXX XXXX XXXX. When Shellpoint Mortgage become the new lender, they did not honor the old agreement ( loan modification ) that was set in place by previous lender. 
B. Once Shellpoint Mortgage took over the property loan an additional letter was received with an incorrect amount owed and updated terms which stated that I had 30 days to notify them if anything was wrong with the information documented regarding my account. I responded to Shellpoint Mortgage via certified mail that the balance that was incorrect and that my loan was modified days before they obtained the loan. I also notified Shellpoint that the loan should reflect a different balance with the past due payments being placed on the end of the loan per the loan modification program.

C. I contacted Shellpoint Mortgage and they made the change on the amount of the loan but told me to wait on the paperwork regarding the loan modification program, I could not make a payment until this was updated which could take up to 60 or 90 days.

D. After I waited 90 days ; they told me my mortgage wasnt under the loan modification program and the balance needs to be paid in full of the old lender ( XXXX XXXX XXXX ) as well as additional fees. 
E. Shellpoint Mortgage refused to refinance the current loan/mortgage and shared they will send paperwork out to start a short sale of the property. 
F. What happen next ; while I was under the loan modification they took the liberty to put late payments on my credit report in a deliberate attempt to stop me from looking at other lenders to keep my property while not honoring the agreement and putting false information on my credit report. 
G. What I would like to take place is for Shellpoint Mortgage to remove all negative information from my credit reports while this matter is under investigation because this is negatively impacting my lively hood and ability to seek additional financial assistance to rectify the past due balances on my mortgage. Shellpoint Mortgage failed to follow the Fair Debt Credit Act and their reporting practices needs to be investigated further. 
H. Lastly, I would also like for them to comply with the original loan modification agreement filed with XXXX XXXX XXXX before the mortgage was sold to Shellpoint Mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
i see that a loan was placed on my credit that i did not apply for or get funds for i have no acknowledge of this account or funds i did not apply nor authorize.

Company response to consumer: Closed with explanation