BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-19
Company: Exeter Finance Corp.
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I, XXXX XXXX entered into a consumer credit transaction with XXXX XXXXExeter Finance on XX/XX/2017. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but XXXX XXXXExeter Finance took cash. The finance charge is suppose to include insurance, but XXXX XXXXExeter Finance made me purchase insurance separately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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 was made on my credit card on XX/XX/XXXX for {$1000.00} for an XXXX XXXX XXXX XXXX. Due to the coronavirus it was cancelled and refunds were supposed to be sent out. This notification was made on XX/XX/XXXX that refunds were be charged back within 5 business days ( XXXX ). This is the last communication i received from the vendor and have been unable to get a hold of them since. I have attempted to call CapitalOne to dispute this charge numerous times after the five business days to no avail. I have waited for over 3 hours each time on hold. 

CapitalOne, unlike every other large card provide, does not provide online disputes nor an email to contact them. It is exclusively a call center and mail. I feel that a Company this size should have the technology to manage its customers. With living in XXXX County, TX, we are under a shelter in place order and can not go out to mail anything. While I am sheltering, I still have to work 70  hour+ a week from home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
In XXXX or XX/XX/2019, right around the time I was contacting all the credit bureaus about the name change dispute, I attempted to access my annual credit report through XXXX XXXX, XXXX, and, while I was able to get one from XXXX, I was not able to get one from Equifax until I ordered it by telephone in XXXX since I am completely XXXX. 
A few days ago, somebody told me that XXXX  offers a credit boost, in which they consider telephone, internet, and utility as a means for building credit. I tried to sign up for this, but when I answered the verification questions, only one of those questions matched what they had on file. everything else they had was based on random information. I tried to create an account two times, but I was not successful. 
I called XXXX  during business hours at XXXX ( XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, but both of these numbers only led to an interactive voice response system with no way to be transferred to a live person to have this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have asked both XXXX, XXXX, and Comenity ( New York & Co ) to correct the information on my report. This account has been paid off and I was promised a DELETION of this tradeline. The account was closed, then I paid this account off on XX/XX/2020. This account is still showing as an open balance on my XXXX  report, and possibly all of my credit reports ( XXXX  and XXXX  XXXX! The refusal for these companies to correct their reports has COST ME ALOT in higher interest fees when I have tried to apply for credit! will these 3 companies be paying back the financial damages they have caused my credit???? Or will they be deleting the tradelines of XXXX/Comenity New York and Co? 
It is totally unfair that I should have to wait TEN MONTHS for the correction after I was promised it would only take 30 days!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19
Company: DISCOVER BANK
State: OH
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:
Booking # XXXX : XXXX cancelled the outbound flight from XXXX and reissued outbound from XXXX, 60 KM/40 miles away and three hours earlier (!!! ), a significant and unreasonable itinerary change. 

Discover Card was tricked by XXXX inaccurate documents and dispute # XXXX was prematurely closed without action. Dispute was also deleted from customer online portal, precluding upload of supporting documents. 

Pursuant to " Enhancing Airline Passenger Protections '', 76 Fed. Reg. 23110-01, at 23129 ( Apr. 25, 2011 ) and 49 U.S.C. 41712, as well as European Union Regulation EC 261/2004, please kindly REFUND original airfare for {$680.00} to the original form of payment ending in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Equifax is reporting a XXXX XXXX acct # XXXX this account is closed How can there be a past due amount for {$7300.00} with Equifax still reporting on this acct as of XX/XX/2020 my limit on this card was {$4500.00} how is my balance higher than my limit. 

XXXX is reporting XXXX XXXX XXXX XXXX XXXX same acct # XXXX with my credit limit of {$4500.00} a balance of {$7300.00} acct closed last report XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
These companies consistently make it next to impossible to change your security freeze status. When I try to temporarily lift a security freeze through XXXX 's website, my browser informs me that the page can't be loaded because it is not secure. 

These companies put zero effort into online security and that is the reason data breaches have occurred in the past. A functioning government would ensure these problems were addressed. How many millions of man-hours have been spent in frustration trying to navigate these sites? They have the resources to do better and the financial information they store should be better protected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have asked both Equifax, XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX  XXXX to correct the information on my report. This account has been paid off and I was promised a DELETION of this tradeline. The account was closed, then I paid this account off on XX/XX/2020. This account is still showing as an open balance on my Equifax report, and possibly all of my credit reports ( XXXX  and XXXX  )! The refusal for these companies to correct their reports has COST ME ALOT in higher interest fees when I have tried to apply for credit! will these 3 companies be paying back the financial damages they have caused my credit???? Or will they be deleting the tradelines of XXXX XXXX XXXX XXXX XXXX?

It is totally unfair that I should have to wait TEN MONTHS for the correction after I was promised it would only take 30 days!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Transunion reported inaccurate information on my credit report provided to them by a collection agency. I disputed the collection through Transunion stating the information was inaccurate. They did not properly investigate and they left the false information on my credit report. 
If Transunion would have requested proof of the debt before placing it on my credit report, they would have seen it was false. Its my understanding that not only a creditor but the credit monitoring companies have a responsibility to report accurate information and investigate disputes by verifying that information. 
The collection report filed by XXXX XXXX XXXX is set for deletion, although if Transunion would have investigated the dispute properly this collection would never have appeared on my credit report in the first place. 
Transunion had a responsibility during my dispute to investigate for accuracy and failed to do so.

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 2016-10-07
Company: WELLS FARGO & COMPANY
State: MA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Wells Fargo has not complied with any of my legal requests for debt validation, recordings, copies of the note to prove who owns the property. Where the property was recorded. Discharges from the XXXX and XXXX proving they used the XXXX they scammed me for was really used for said purpose. They responded to the CFPB that the XXXX was used to payoff existing mortgages. They sent you a copy of what they filed with the Title company to steal the XXXX. They love scamming the elderly. Again, I live on social security and have recently retired because the XXXX I worked for have retired. I 've been a XXXX for over 35 years. I 've worked in the XXXX. The debt validation letters should follow Massachusetts Fair Debt Collections Practices Act Practices Act '' as codified at 15 USC 1692, which stipulates that a debt collector must, if requested, provide validation of the alleged debt, i.e. validate the debt, per " The Fair Debt Collections Practices Act '', " FDCPA ''. The debt collector ( Foreclosure Attorney, Bank, Alleged Lender ) is mandated under " FDCPA '' to cease and desist ALL collection activity until validation of the original note is provided.

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 2015-06-05
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Receiving unwanted marketing/advertising

Complaint:
My Credit Report issued by any and all credit agencies included a list of all businesses who have check my credit and ordered a copy of my Credit Report. There were a total of XXXX businesses in the list during the year 2014 alone. None of the businesses had my permission to obtain my Credit Report. They acted illegally in obtaining my Credit Report. 
During said time, I was shopping for better insurance on my home and car on the internet. 
I was also shopping for a refinancing of my home mortgage with a small amount of " cash out '' of my equity to pay enormous medical bills not covered by my health Insurance. 
Neither of these reasons should affect my Credit Rating, but they do, for reasons I am not aware of. 
All of the companies in the list should and must be eliminated from my Credit Report. Their need for information on my Credit Report is purely speculative in nature, and prejudicial as any negative statement on my Credit Report. They have usurped their need to my demand for privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
i HAVE SENT THEM MY LETTERS TO REMOVE MY FAULTS AND NEVER GOT ANY REPLY AND ITS BEEN OVER 60DAYS

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28
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: Investigation took more than 30 days

Complaint:
I have been trying to work with the Credit companies to get this remove and its been over 60 days

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME ACCOUNTS THAT WAS REPORTING ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT FILE. BECAUSE OF THESE NEGATIVE ACCOUNTS IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THESE NEGATIVE ACCOUNTS AND HAVE THEM REMOVED OF MY CREDIT FILE AS SOON AS POSSIBLE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06
Company: EQUIFAX, INC.
State: WA
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:
Equifax is reporting false information on my credit report. We have submitted 3 times now all documentation proving this to be true and accurate beyond refutable information at this current time. Here are the exact accounts they claim I have not submitted. XXXX Acct. # XXXX. Acct. # XXXX.. XXXX/XXXX  Acct. # XXXX All three of these accounts were paid in full and came out of my checking account XXXX ending ... .XXXX. I will be submitting bank statements as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am disputing hard inquires on my credit report because this is fraud and does not belong to me. 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 response to consumer: Closed with explanation
Consumer complaint received 2021-06-19
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: Information belongs to someone else

Complaint:
There are accounts on my credit report that were open fraudulently by a former partner who was abusive towards me. These accounts are reporting on my credit report with Experian, XXXX, and XXXX  and want them remove as I never consent for the accounts to be open. Having these accounts on my credit report cause me XXXX  and traumatized me since I was a victim of domestic  violence as well as identity theft. 

The accounts reporting on my credit report include : XXXX XXXX  XXXX account shows paid off XXXX XXXX  XXXX account shows paid off XXXX XXXX XXXX XXXX account shows paid off XXXX XXXX XXXX- account shows paid off XXXXXXXX XXXX XXXX XXXX XXXX  XXXX account shows paid off XXXX XXXX  XXXX which was formerly own through XXXX XXXX - collections XXXX  XXXX XXXX - Balance of XXXX XXXX XXXX- Original debt XXXX was paid off XXXX XXXX  XXXX Amounts of XXXX and 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 2020-03-28
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: Investigation took more than 30 days

Complaint:
I have been trying to work with the Credit companies to get this remove and its been over 60 days

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 2016-07-26
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
The questions used to verify my identity had nothing to do with me and therefore could not be answered correctly. Because of this I was unable to verify my identity and therefore could not get a copy of my credit report. I am afraid this is because someone has been tampering with my identity as my drivers license and as card were stolen earlier this year.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
This has actually happened with two credit cards, XXXX XXXX and Kohl 's, and both occurred after I thought I'd submitted a payment or set up an auto payment. Both times I apparently didn't hit the confirm button, or made some other mistake because each time the payment was not received ( I have since paid the bills off, but I was charged late fees ). My question/complaint is this -- and I ask here because I can't find any information anywhere about this issue : neither credit card let me know my account was past due. Neither account let me know that a payment was not received. Had I known, I could have simply paid the bills the next day or as soon as they let me know. Are credit card companies permitted to not let customers know that they have an outstanding payment? I have alerts set up for my XXXX XXXX XXXX and my Kohl 's card, which I rarely use. They do not send me paper bills ; everything is via email or on their websites. At what point do credit card companies feel they should tell a customer that their payment is overdue? Are they allowed to say nothing until the lay payment ends up being reported? Since everything is on paper or automated now, this seems like a little loophole for companies to quietly collect late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have few student loans from XXXX XXXX. The XXXX XXXX loans from them was on XX/XX/XXXX, XXXX XXXX loans was on XX/XX/XXXX. But based on Equifax 's credit file my loan starting dates are XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I am attaching the letter that I received from XXXX XXXX that shows the loan dates and amounts. I requested EQUIFAX to investigate the accounts but after 30 days they bring the conclusion that everything had been reported accurate. It 's a clear violation to FTC rules. Please ask them to remove the in accurate accounts to remove off my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-18
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: WA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
This company is scamming off of innocent people who just want to buy a car and improve their credit. First, they do not allow you to choose a car, they give you the one on the lot in the worst condition. for example, I purposely stated that I did not want a XXXX and that is the only XXXX they would let me have. I have since found out that the car is worth only {$200.00} and they charged me {$11000.00} for it with a 34 % interest. Since I bought this XXXX XXXX XXXX a year ago I have had to replace, the starter, the engine, the CAT, the ERG valve, the wheels, the tires, fix the alignment, complete new brakes, the heat and A/C do n't work, etc. The engine light is on even after their " mechanics '' claimed to fix it ... twice. The majority of what is wrong with the car is NOT covered on their horrible warranty. I have put over {$4000.00} worth of repairs into this car. I would like to also add that they have praised me for having perfect credit with them but yet the first time I was 5 days late on a payment the disabled my starter and would n't take even a partial payment to turn it back on, suffice it to add that I was willing to pay the full payment in 6 days but they refused to cut me any slack.They are charging me {$400.00} a month for a piece of garbage. I tried to trade it in 4 times and all said I was " upside down on the car '' which means I owe more than it 's worth. I AM looking into legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed