BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-11
Company: Experian Information Solutions 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 information incorrect

Complaint:
I have been disputing since ( XX/XX/19 ) till Now. Every time i disute these account and ask for validation i never get the correct response or proof. 
( XXXX XXXX ) XXXX I have submitted XXXX to XXXX nothing has taking place. 
( XXXX XXXX ) XXXXXXXX XXXX  XXXX Also submitted proof and fix the inaccurate that my report has. 
( XXXX XXXX XXXX  ) also disputing inaccurate in Uniform alignments. 
( XXXXXXXX XXXX XXXX XXXX ) Wrong Dates ( XXXX ) Also disputed and nothing happen only updated accounts with no proof. 
( XXXX XXXX XXXX ) Account Charged Off and reporting balances wrong dates ( XXXX XXXX XXXX ) Account Charged Off also reporting wrong dates, balances and payment history. 

All Three Credit Bureaus update account but dont show proof of account and reporting in accurate on 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 non-monetary relief
Consumer complaint received 2021-05-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: HI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I opened a secured capital one card in 2018. I put in {$500.00} to secure a {$500.00} limit on their card. We were told that as long as the account was kept in good standing, we could request to have it turned into a unsecured capital one card if it wasnt automatically done in 6-12 months. Its been 3 years. Not only has it never been changed to an unsecured card, but theyve never increased the limit. Since we opened this card, we got another capital one unsecured card as well as other unsecured cards. So after 3 years, I called & talked to 4 people. 2 reg customer service & 2 senior supervisors who not only couldnt help, but had no more info that general account balance, payment info, etc. that you can get on the app. They also said there was no higher supervisor. In the end I wasnt given any info on how to upgrade my account to an unsecured, why it hasnt become an unsecured or anything really on that. In fact, they wanted me to fax my card terms & info sent from 2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25
Company: WELLS FARGO & COMPANY
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Wells Fargo has made it incredibly annoying when trying to pay a credit card payment. I called in to make a payment with a debit card and was told that to use my debit card I would also need to provide my routing and account number. I don't have access to this information and I know there are plenty of other people out there who also don't carry this stuff around with them. I want to make a payment with a debit card but I can't because to use a debit card they want ACH information. This seems strange especially since debit cards are often used to avoid giving out routing and account number. This is incredibly frustrating.

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 2022-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
In XX/XX/2022, I found out my current account was closed due to non-usage and spoke with the credit card company and was advised of the new policy of the card account 's new procedures and was advised the account was going to be reinstated. Since XXXX the account has not been reported to the three bureaus as open/never late and I was advised the credit card company would do so. It is now XXXX and the credit card company has not done so I also asked the three credit bureaus about the account status and that I have a current balance and would be advised of the update. The credit bureaus are saying that the account is still closed when as of today I have a current balance.

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 2022-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
Transunion furnished 2 items on my consumer report that where fraudulent and deleted the items proving they did not investigate the items initially to furnish them on my consumer report cuasing me harm, deletion is admission to this and I demand remedy for these law violations. Please see attachments

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 2022-09-08
Company: CITIZENS FINANCIAL GROUP, INC.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Please see attached. Previous complaints continuously closed out and the requirements from the alleged debt collector were not fulfilled. The company has been notified to cease and desist communications and collection of any alleged debt, and has ignored the cease and desist entirely-please see attached screenshots and documentation. The language is abusive towards me and is in violation 15 1692e, this is affecting my reputation and my health.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: Phoenix Financial Services LLC
State: PA
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 filed two ( 2 ) disputes in regards to the erroneous collection account on my credit report. I disputed the validity of the debt however Phoenix Financial Services has continued to violate the FCRA by reporting the negative account to the credit bureaus and refusing to supply me with documentation validating the debt. The collection agency and credit bureaus have both failed to provide any documentation that supports that the collection account belongs to me. I have made several attempts to get this erroneous account removed, however the credit bureau continues to " validate '' the collection account without doing their due diligence and without providing any documents, contracts etc that connect me to this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20
Company: American Liberty Mortgage, Inc.
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
I had a schedule closing on my property on XXXX XXXX, 2017, but the buyer wished to close on the XXXX, 2017 instead. Even though this was a day neither me or my realtor could attend closing. I left the state on XXXX XXXX, and was able to sign the closing then. I had a closing date of XXXX XXXX because I was buying another property in Florida, and needed my loan to be closed in the beginning of XXXX, but being promised that the property would be closed on XXXX XXXX, I went ahead and accepted the new closing date. On closing date, XXXX XXXX, the buyer showed up and didnt have all his documents ready, and asked to get a few more days to be able to collect all these. The buyer requested XXXX XXXX, 2017, but it actually didnt close to XXXX XXXX, 2017. And for that to happened I had to pay out of pocket to overnight a document to the closing agent, and this was {$54.00}, I was promised by the buyers loan consultant, XXXX XXXX XXXX NMLS : XXXX phone number XXXX, that I would get reimbursed for this cost. I accepted these conditions because I was also promised that my per diem from the original closing date was going to be paid for during the extra time, plus a {$100.00} gift card. These promises were put into an addendum for my property closing contract. It is now XXXX XXXX, almost three months since closing date, and I still havent received anything from the buyers lending office ( American Liberty Mortgage, XXXX XXXX XXXX XXXX XXXX, CO XXXX ) .Me and my realtor have contacted the office about this and tried to figure out what is going on. They have told both of us that they are taking care of the matter, but they still have not done anything about it. I contacted the owner ( XXXX XXXX phone number XXXX ) on XXXX XXXX for the company and he said that he talked to XXXX XXXX and told him to fix the matter that same day. Nothing was accomplished so we contacted the owner again the day after and told him about our dissatisfaction in his company and employee. We have n't heard anything back since then. They have treated us really unprofessional, and XXXX XXXX has been really rude in emails to my realtor. Something that should have been handled on the closing date of the property, has now been taking almost three months and still have n't been handled. This is outrageous for a loan company, and very bad customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20
Company: Ditech Financial LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
Company - ditech Started dealing with them on XXXX XXXX, XXXX until present I was provided with incorrect information to pay off my loan. I was told that I could pay it monthly until it was paid off However, this company lied and reported my account past due to the credit agencies. I had not missed a payment. I was not given a date to pay it off -- just pay until it was paid off. I have contacted them. But to no avail. As of XXXX XXXX, XXXX, it was paid in full. I am requesting the company to correct my status with the Credit Bureaus to PAID AS AGREED. Also, this company has reps that provide incorrect information on a daily basis. Please advise. Thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: Experian Information Solutions Inc.
State: NJ
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:
on XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. 
to this day over 30 days later I have not received a response yet I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2021-09-24
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm writing you regarding my credit card payment and the error that has occurred to reporting my account. I was notified that the auto pay system rejected a payment that was made on the banks end. I spoke not only to XXXX XXXX  but also my bank in order to get this issue resolved. The customer service representative that I spoke to transferred me to different agents and they did not assist me in getting this unfair and error on my account resolved which resulted in not only in an unfair, unjust and incorrect reporting of a 30 day late payment to my credit files with XXXX, XXXX and Experian. I have submitted a dispute with my bank whom processes payments to XXXX XXXX  to with a formal letter of resolve and proof of the error is attached for your review. In addition, I have also corresponded with the respective agencies and Creditors listed within this complaint. Im requesting you to handle this as per my rights under state and federal laws that protect me as a consumer. I want to make it clear that Im not making this request an error. My information was incorrectly reported which is why Im writing you for a resolution. I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance.

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 2017-09-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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:
Bank of America sent me a letter saying they were closing 2 of my credit cards with them for " Inactivity on this account ''.
These are my oldest credit accounts. I was given absolutely NO warning of this happening and out of the blue my accounts were shut down. Since these are my oldest accounts, my credit rating will drop significantly because of this. Again, I was given no warning in any way or form of this happening. I just got a letter out of the blue saying my accounts were closed.
When contacting the customer service rep about this, I was told there is nothing they can do to activate a closed account. This is absurd. My credit score will fall by about 50-100 points because these are both my oldest accounts. I also bank with Bank of America and have done so for a while. I do n't understand how this could happen.

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 2017-10-17
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I never asked for a fruad alert to be placed on my credit ... I have went threw different measures to get it off my credit, Ivhavecwrote a letter and called and still no removal please remove the alert from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14
Company: STERLING JEWELERS, INC.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The account was never turned into collection. Kay jewelers is the creditor. The account has a balance of {$2000.00} and was opened on  XXXX / XXXX / 2014 . I have filed police and identity theft reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: Experian Information Solutions 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:
XXXX XXXX XXXX XXXX  XXXX i believe this company violated code 15 USC 1692c section B. 
communication violation. 
this company is also reporting on my credit every month as a collection.every month it is noted as a C for collection, when it is a collection they are not supposed to mark on the month notes.

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 2022-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
XXXX XXXX XXXX # XXXX and XXXX XXXX XXXX # XXXX Violations Permissible Purposes of consumer reports 15 USC 1681b ( a ) ( 2 ) States that any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates 15 USC 1681 ( a ) ( 4 ) states that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy

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 2017-06-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ID
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I became delinquent on my credit card bill k in XXXX. In XXXX I made arrangements with to settle the account for less than what was owed. The agreed that if I paid one lump sum the account would be marked as paid in full. In XXXX XXXX I received an letter from XXXX XXXX XXXX, XXXX collecting on the debt. I sent a dispute letter and they replied with copies of my monthly statements from XXXX to XXXX. I received a confirmation letter regarding the status of my account but have disposed of it because so much time has passed. I have also switched financial institutions and do not have access to statements showing the payment. I am trying to receive a copy from the financial institute. The disputed balance is XXXX due XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: EQUIFAX, INC.
State: IL
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:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my consumer rights 15 USC 1681e ( b ) Accuracy of Report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Permissible Purposes of consumer reports 15 USC 1681b ( a ) ( 2 ) States that any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates 15 USC 1681 ( a ) ( 4 ) states that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20
Company: Experian Information Solutions Inc.
State: NV
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 student loan was suppose to be deferred until XXXX. Late XXXX/early XXXX, they reversed my deferrement for no reason and without notice. Immediately than reporting to all 3 credit bureaus that I was late and it dropped my score 100+ points, At this time I was trying to get a new mortgage and this issued caused me to not be eligible for a regular loan and in turn the mortgage companies that I turned to all told me that to be eligible I would have to pay XXXX {$23000.00} in one lump sum to be able to receive my mortgage. We were in the process of selling our 1st home so this meant a LARGE portion of my profit was going to go to XXXX that messed up my credit score causing me to not be able to receive a regular loan. That amount was paid HOWEVER trying to contacted XXXX repeatedly for them to fix the " late payments '' because I was NEVER late, it was deferred and they withdrew the deferred with no explanation, even when I called they could not tell me. I would like my {$23000.00} refunded as well as an updated credit score stating that I was never late and the rest of my student loan forgiven. I was and still am emotionally drained from this because the student loans are haunting my credit score for no legitimate reason. I believe this is some type of scam because they sure will answer when a {$23000.00} payment is being made to them but wo n't answer me regarding my " late payments '' that I was never late on.

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