BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-04
Company: Experian Information Solutions Inc.
State: MA
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:
Experian is erroneously reporting my account held by XXXX XXXX XXXX XXXX  XXXX Current report has my XXXX account listed under Closed Accounts as well as Adverse accounts. It also shows the account as two months late payments. This is adversely impacting my credit score by over XXXX points. XXXX XXXX sent Experian a letter stating account should be stated as CURRENT and should be reporting as PAID AS AGREED WITH NO PREVIOUS DELINQUENCIES ( see attached letter from XXXX XXXX sent to myself and Experian on XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-04
Company: Global Lending Services LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
I called the company & they could not give me any information. 
XXXX XXXX Global Lend XX/XX/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 2022-05-04
Company: ALLY FINANCIAL 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: Credit inquiries on your report that you don't recognize

Complaint:
I called the company & they could not give me any information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have never been late on this account until this past month, XXXX 2017. I have had the card for at least 5 years, maybe 7. The payment issue was due to a Capital One system issue where it automatically linked a new checking I 'd opened with their XXXX XXXX group. Upon resetting my autopay, the XXXX checking ( there was little description of what checking account ) was chosen as the payment account verses choosing the XXXX checking that has been linked to the card payments all along. 

The XX/XX/XXXX payment bounced a couple of times. I kept resending it as I was baffled by the return. I called XXXX and nothing was hitting their systems. I called Capital One and after much research ( it was n't clear to them either at first ), we determined the mis-linked account. At this point the payment was not 30 days late and she informed me nothing would be wrong with the account-she even refunded the {$15.00} late fee as a curtesy. I immediately instructed her to debit XXXX for the full card balance that day. The card had a {$0.00} balance ; it now has a negative {$15.00} balance. 

Subsequently the card stopped working, no notice from Capital One. No calls, no emails. I had to call in to work out they 'd cancelled the card! It is a secure card I set up many years ago, so they have my deposit. They also told me I 'd have to re-apply for a card. 

By cancelling the card, Capital One has impacted me in 3 ways : 1 ) Where 's the large deposit plus account balance of - {$15.00} going to go? The chat agent said it would be refunded, but not sure if this is the case. 
2 ) The credit report will read " closed by credit grantor '' which is negative and awful vs " closed by consumer ''. I 'll have to spend my lack of time fighting that now.

3 ) I 've lost one of the oldest lines of credit which helps my FICO and I 've never had a late payment. 

I find this whole experience to be a way for Capital One to quickly secure my deposit for their bottom line and it 's wrong. The lack of communication is flat out incomprehensible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Please REMOVE any and all fraud alerts and freezes on my credit file.

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 2022-05-04
Company: Carvana Group, LLC
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I took out a car loan with Carvana in XXXX of XXXX : managed by XXXX. Per the contract I signed on XX/XX/XXXX, with financial agreement attached here, the details of my financing were at described below. 

Loan of XXXX XXXX XXXX interest to be paid over 72 months. Total interest to be paid would arrive at approximately XXXX. I would have monthly payments of {$200.00} with one final payment at {$190.00}. The payments of {$200.00} would cover the applicable principle and interest for a given month. 

I was told there was a delay in the car delivery and I had to sign a new contract. The carvana representative told me that the new contract had to be signed because of the change of delivery date. Recently I was reviewing my loan payments and found that I was charged about {$600.00} more than my original loan contract. I contacted XXXX on XX/XX/XXXX who confirmed the higher loan amount was the correct loan information they received from Carvana. 

I contacted Carvana on XX/XX/XXXX who had sent me a contract that was dated XX/XX/XXXX. This contact was the second contract I signed that the representative told me was just for an updated delivery date. This new contract had a delivery fee and altered taxes that amounted to the roughly {$600.00} difference between the first and second contract. Additionally the financing terms were different as well. There was a higher interest rate and the {$600.00} higher principle to the term. 

This was never expressed to me when I was informed I had to sign a new contract. I was explicitly told the new contract was just to update the delivery date. 

When I contacted Carvana on XX/XX/XXXX about this issue I was told to contact a representative in the contract department : a XXXX XXXX. The representative I spoke with on XX/XX/XXXX told me he would inform XXXX of the situation and XXXX would get back to me in a few days. I also sent him an email containing the original contract I signed so he had that information : to the email I was given for XXXX, XXXX. I had not heard anything from XXXX after 1 week and sent a follow up email. As of writing this, I have not heard anything from XXXX or Carvana regarding this bait and switch on the contract terms. 



Both contracts are attached to this email.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19
Company: ALLY FINANCIAL INC.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. 

I enclose copies of my requests to the companies, asking them to validate my debts, and the receipts showing that I sent these letter certified signature request. You will see in my letters dated XXXX XXXX XXXX and XXXX XXXX XXXX that I have repeatedly made these offers. Ally Financial on every occasion has either overlooked or ignored my requests to exercise equity in redemption and by refusing to acknowledge that right they have refused to accept payment in the process.

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 2019-07-23
Company: Preferred Collection and Management, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
They put two charges a derogatory marks on my credit that do not belong to me. They were in my ex wifes daughter name and not my child. XXXX took them off right away snd I submitted a dispute the min it showed up. I have XXXX XXXX   and am in good standing and even contacted them and they agreeded not mine. This debt comp preferred cms out 106 ) 5 then 107 two times on my credit snd they are 1000 % not mine. They called once a long time ago and a year later it shows up on mine. I haven't lived with my ex in 2 years. I request it be taken on and removed just as the other credit B did.https : /XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23
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: Old information reappears or never goes away

Complaint:
I was a victim of identity theft. XXXX XXXX XXXX, and XXXX XXXX has refused to remove the negative information from my 3 credit reports. I want my clean record back for the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Old information reappears or never goes away

Complaint:
I was a victim of identity theft. Bank of America, and XXXX XXXX  has refused to remove the negative information from my 3 credit reports. I want my clean record back for the future.

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 2021-10-15
Company: Bread Financial Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
They threatened to take my social security benefits from me after being off do to being XXXX  with XXXX XXXX. Im on XXXX  XXXX now. They call me everyday threatening me, Im a single mom of XXXX children

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-06
Company: Experian Information Solutions Inc.
State: CA
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:
XXXX  does not have a credit score for me which is hindering my credit utilization it's getting really difficult with all three credit places that I don't have a credit score yet

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 2022-05-04
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 is missing that should be on the report

Complaint:
Identity theft has happened to me. I've attached my ID and a copy of my identity theft report to verify that this dispute was lodged by me. These charges are not included in the list since I did not make them. I meet all of the requirements for Blocked and Removed entries on my consumer report under 15 USC 1681c-2. Failure to comply is a as a consumer, my rights have been violated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Hello CFPB, I had sent in some sensitive documents for example, birth certificates all the documents that XXXX, transunion and XXXXXXXX request to freeze minor credits. XXXX had prompt service in gave my freeze pins for my XXXX XXXX  children.I sent in the information around XX/XX/2021 I have not heard anything from XXXX or Transunion. When, I try to call the company I can not talk to live a person, and when I did the customer service person said they do deal with that kind of thing. Im concerned about where me and my children sensitive documents went or who has them at transunion 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 2017-10-29
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Ive disputed a chapter XXXX bankruptcy several times XXXX, XXXX and XXXX XXXX to no avail. It is inaccurate but XXXX refuse to correct it or remove it.

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 2021-07-22
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: Account status incorrect

Complaint:
My consumer rights have been violated pursuant to 15 usc 1681a ( 2 ) ( B ) any item on my consumer report and consumer file that was originated through a credit card, in this case my social security card as defined in 15 usc 1602 ( l ), it should be excluded. I am demanding that the accounts be deleted from my consumer report and consumer file immediately as they are violations of my rights as a federally protected consumer under title 15 chapter XXXX. 

Pursuant to 15 usc 1681i ( 5 ) ( A ) I should be notified of reinserted accounts within 5 business days of the account 's reinsertion. I was not notified within 5 business days of this action, therefore, I demand that the account be permanently removed from my consumer report and consumer file immediately as this is also a violation of my rights as a federally protected consumer under title 15 chapter XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23
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:
On my previous dispute to XXXX / Transunion, XXXX FALSELY ACCUSED ME The request to block information was based on a material misrepresentation You have agreed in writing that the information was blocked in error You knowingly obtained or should have known that you obtained possession of goods, services, or moneys as a result of the blocked transaction or transactions. Therefore, we are declining your request to block one or more of the requested accounts. 

I DID NOT OBTAIN ANY GOODS, SERVICES, MONEY of any of these accounts. 



I have reported XXXX and Transunion to the office of my attorney generals office : XXXX XXXX, as my rights under the FCRA 2009 have been violated by both of these consumer reporting agencies, I have absolutely no idea what these accounts are, I have never opened a account with these creditors and want this removed. I have notified my local Police department ( XXXX XXXX county sheriffs ) of these fraudulent accounts and have made a police report ( # XXXX ), also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud/identity theft reports with them along with contacted my local FBI field agenct office in XXXX XXXX to report these accounts In my previous CFPB report to XXXX it was claimed that they had sent the information to the credit issuers in question that I sent a FEDERAL AFFIDAVIT The Federal Law as explained to me by my Attorney Generals office is that ; Section605B ( a ) requires CRAs to block the reporting of any information that the consumer identifes as information that resulted from an alleged identity theft, within 4 business days. 

The fraudulent account that I am requesting be blocked and asking XXXX to cease and desist reporting are. XXXX XXXX : {$3700.00}, XXXX XXXX XXXX {$4600.00}, and inquiries with XXXX, and XXXX, I have never applied for any XXXX  product or XXXX PRODUCT, please delete these inquiries as I have never applied. 

The inquiries are ; Inquirer Name XXXX Inquiry Date XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX AUTO ; Inquiry date : XX/XX/XXXX XX/XX/XXXX XXXX CARD ; Inquiry Date XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 2019

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 2019-07-23
Company: Netspend Corporation
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I would just like to cancel my card order.

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 2022-05-04
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I, XXXX XXXX, sent Equifax a letter on XX/XX/XXXX, disputing the validity of the bankruptcy they are reporting on my credit report. They responded that they verified this information through XXXX and the court. I went directly to XXXX XXXX and the court. I went directly to XXXX to dispute the item in question and XXXX  could not verify this item so they deleted it from there database. The court provided me with a letter indicating that they do not report to the credit bureaus. I then went back to Equifax on XX/XX/XXXX, and showed them the the deleted bankruptcy from XXXX XXXX informing them that it they could not reveal how they truly verified this item then it needs to be deleted according to the FCRA. I also informed them that the courts do not provide information to the credit bureau.They have once again refused to delete this item which is imploding on my ability to purchase a home and causing me to pay thousands more in interest every year. 
I than filed a complaint through the CFPB on XX/XX/XXXX and was not given any information on why they close my case. This item needs to be deleted from my credit report if it can not be verified within 30 days. I also made phone contact multiple times and was unable to get clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23
Company: M&T BANK CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I opened a dispute with M & T bank for 4 transactions that i did not recognize. Claim number : XXXX. Card ending in XXXX. All 4 transactions were done on the same day on XX/XX/XXXX. M & T bank honored 3 of the 4 transactions. The 4th transaction that M & T bank did not honor was for XXXX for the amount of {$130.00}. The reason for the denied transaction was my email was found on " XXXX XXXX XXXX  ''. I used XXXX  XXXX in the past and the phone numbers are not that accurate let along emails. Also was stated because i have used XXXX group on XXXX XX/XX/XXXX that my XXXX transaction must be me. I have never used XXXX group before. Why would 3 out of the 4 transaction be honored and the 4th denied if they all happened on the same day.

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 2019-11-21
Company: Pendrick Capital Partners Holding, LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Amount they said that I owe them is XXXX. The company name is pendrick Capital partners II. I do not know where this money or The bill they talking about

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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 checked my credit score via XXXX XXXX, which indicates I owe a balance of {$190.00} on a Capital One credit card. The problem is that I do not have any account with Capital One. When I spoke to a Capital One customer service representative, she indicated that I do not have any account Capital One. My concern is that this issue is resolved, and that no fraudulent account exists on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-13
Company: GLA Collection Company, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
GLA collections has been calling someone else 's phone several times a week leaving voicemails with my name & that it is a collection. I got my credit reports & they are on my credit reports for the following : XX/XX/XXXX for {$1200.00} XX/XX/XXXX for {$280.00} XX/XX/XXXX for {$140.00}. 
I sent GLA Certified letters asking them to remove them from my credit report & XXXX if these debts are mine on XX/XX/XXXX. They only sent itemization of the accounts & nothing else on XX/XX/XXXX.

Company response to consumer: Closed with explanation