BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-29
Company: CITIBANK, N.A.
State: MN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
On XX/XX/21 my husband and I wanted to open a Home Depot credit card under his name only. The associate quickly asked if I wanted to be added as a contact on his Home Depot account, and I said sure, and gave her my name and phone number. This is the ONLY information I provided her with. My husband also confirmed later that this was all that was said in this quick exchange. I was made to believe that I was simply being added as an additional contact person to his Home Depot account. She did not in any way disclose that I would be a joint applicant on the credit card and that this would result in a credit check and being associated with the credit card, or I would have declined. How was I even added as an applicant from simply giving my name and phone number???

We just purchased a home and I was the primary applicant, so this additional credit check and new credit line opening under my name so soon after our home purchase made my credit score drop 37 points! We used this to purchase flooring and other supplies ( totaling {$2800.00} of our {$5000.00} credit limit ), so spending over half of the credit limit contributed to such a steep drop in my credit score. It literally shows on my credit report that the day this Home Depot credit card was opened is the day my credit dropped 37 points ( this was after it had already dropped a few points from our mortgage and is in no way associated with the home purchase ).

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 2023-01-04
Company: Experian Information Solutions Inc.
State: NE
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:
The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
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 XXXXXXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
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:
Capital One has made false statements regarding this claim. They have provided conflicting and misleading information. 

The purchase concerning XXXX XXXX XXXXXXXX They advised me they never paid the merchant for the charge. Now they are stating they did pay the merchant for the charge. 

The merchant XXXX is requesting I pay them $ {$3100.00} as well. 

Capital One has spoken to me about this matter several times and the calls need to be pulled I was advised the chargeback was from me spending the funds on transactions. Now in this statement capital is claiming it's a chargeback from the account with the XXXX charge. 

Capital one needs to remove this debt from my account due to the information that was provided by several of the representatives. Sending a statement that they corrected internally is not the fix to this. They record all calls and I'm demanding those call transcripts are provided and should reflect the very statement they send in response to my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
Company: Paypal Holdings, Inc
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
PayPal improperly debited my account {$1400.00} in a case where I sold a canoe on XXXX. Item was clearly advertised as local pickup/no returns. Winning bidder was notified that he could pickup canoe personally, or arrange pickup/shipping in accordance with XXXX/PayPal policies. Buyer was notified in writing that my responsibility would end at time of pickup at my residence. Buyer arranged for and paid for pickup via XXXX XXXX on XX/XX/2017. Canoe was damaged in transport, and Buyer refused final delivery from his own shipper, then filed a claim against shipper and PayPal. PayPal awarded Buyer refund of {$1400.00}, then debited my account PRIOR TO hearing my dispute. PayPal user agreement states that Buyer is NOT entitled to a claim when he/she picks an item up in person OR arranges for item pickup on their behalf. XXXX agrees with my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: EQUIFAX, INC.
State: PA
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:
Equifax has continually lowballed my credit score, XXXX and XXXX have my XXXX score the same equatory to rate as XXXX, XXXX, yet Equifax which has exactly the same listed as XXXX???? 

Please have them correct and upgrade my score, my XXXX is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11
Company: Pinnacle Credit Services, LLC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
In XXXX, I found a negative account for XXXX XXXX on my credit report in XXXX. I never authorized anyone to use my name and social security number to open a wireless account. I made a report to the police department for identity theft. Afterwards, I contacted XXXX XXXX and informed them of the identity theft. In XXXX, I received a phone call from a collection agency and I informed them of the identity theft. The phone calls stopped. I sent XXXX XXXX a copy of the police report this year and no one contacted me to follow up. I contacted XXXX XXXX and one of the agents said the account was flagged fraud and it will be removed from credit report in 6 weeks. He also sent me an email and said " Its good that the person who stole your identity did not use your address too. '' I saw Pinnacle Credit Services on my credit report for XXXX XXXX. I contacted XXXX XXXX and they told me to contact XXXX XXXX XXXX because they handle all of their debt collections. I faxed a copy of my credit report to XXXX and they did not clarify if this debt collection will be removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Problem # 1 XXXX, I received a letter from Carrington stating that my account was placed into a suspense account. I had spoken to XXXX reps from Carrington asking them what and why it was. They both replied that they had no idea because records showed I was on time on all of my mortgage payments. On my third call and after receiving another letter, I spoke to a rep who found out within a minute. She said I was short on my payment because of an escrow change. I told her that it was unfair that now I was charged a late fee for every month, but I paid the charges anyways that same day to clear this up. She told me I had to write a letter to Carrington Research to recoup any late fees I was unfairly charged. I faxed them the attached letter. They refused citing no valid reason. I tried to refinance, but it showed that I was late on my payments numerous times? Refinancing is impossible now because of the negative/late flags on my account. Problem # 2 In my XX/XX/XXXX statement there is a late charge of {$20.00}. I spoke to a rep in XX/XX/XXXX who told me it was a `` drive by inspection fee '' charged because they wanted to make sure I lived at my property. The rep said she was unable to give me any answers to any question, and that if I wanted any info that I was to write another letter and send it to their Research department? Again?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29
Company: BBVA FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
I took out a Homeowners line of credit from BBVA Compass XX/XX/2016. The bank consistently marketd this product to me for over a year by saying the product was a " no brainer '' and had no closing costs. They required I immediately draw XXXX on the line which i did. In XX/XX/XXXX I paid XXXX instead of the min payment of {$75.00}. They then charged me XXXX in closing costs. 
When i called the bank, I was only given the options vis the automated dialer to buy new products, When i ACTUALLY reached a person, she just refered to me another department and the exact same auto dialier came up.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-29
Company: Bread Financial Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Back in XXXX Comenity Bank made several calls to my daughter. I wrote them and asked them to only call my phone and correspond with me. On XX/XX/XXXX they wrote back and stated they could speak to anyone regarding my account when it was delinquent. They have continued to call family members several times per week and refuse to stop contacting my family. They have also harassed my daughter, told her what an awful person I am, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-23
Company: Guild Mortgage Company LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am currently in review for a loan modification and have provided all documents to be considered. I also have a foreclosure sale date scheduled on XXXX/XXXX/15 and need help getting is postponed. Any assistance you can provided with the postponement will be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: Experian Information Solutions Inc.
State: PA
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:
In an attempt to apply for credit, I was denied and checked my consumer credit report. XXXX was the only reporting agency that had a credit score for me, and also had a late payment showing on my XXXX XXXX account. This is completely incorrect! I checked further and saw there were two companies, XXXX and XXXX XXXX XXXX, both on my report as collection agencies. This is definitely fraudulent because I never opened any kind of account with the, or are in no business contract or obligation. I noticed both XXXX and Experian also have collection accounts for me for XXXX XXXX XXXX and XXXX XXXX, companies that I have no knowledge of nor should they have the right to defame me. I have contacted all three CRAs and there still has been nothing removed.

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 2020-04-15
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The following accounts are fraudulent and unauthorized by me, i do not know where these accounts come from other than when my wallet was stolen from the gym. Please remove and block these unauthorized accounts from my credit file. 

1. XXXX XXXX 2. 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 2022-05-04
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: Information belongs to someone else

Complaint:
On XX/XX/XXXX, XX/XX/XXXX I sent letters to XXXX, XXXX XXXX Trans Union ; Requesting VALIDATION of the following inquiries that never had a permissible purpose according to the FDCPA LAW - They have never responded and clearly have violated my consumer rights. 

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 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 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 2018-05-30
Company: CITIBANK, N.A.
State: MI
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:
XXXX XXXX client XXXX XXXX is an identity theft victim. His information was used to apply for a XXXX XXXX XX/XX/XXXX and another application was submitted to XXXX XX/XX/XXXX. Official disputes were sent to each XX/XX/XXXX and as of this date no reply to the results of the investigation have been received. This is a violation of FCRA.

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 2021-09-29
Company: Collins & Hilton Asset Group, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX and XXXX Credit Bureaus are reporting inaccurate information on COLLINS ASSET GROUP with an Account Number of XXXX, Opened last XX/XX/2017 and a Balance of {$4900.00}. 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 2021-09-29
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021. I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the XXXX you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: Spring Oaks Capital, LLC
State: PA
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 recently viewed my credit report and I see several credit accounts reporting on my credit report that should not be there. There is a " XXXX '' revolving account reporting to my credit report and I never opened an account. The account is reporting a {$0.00} balance yet it is closed and has resulted into a collections account from " Spring Oaks Capital LLC ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: ALLY FINANCIAL INC.
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
We paid this loan off XX/XX/2021. Received the paid in full letter XX/XX/2021 dated XX/XX/2021. After numerous phone calls, emails and texts Ally Financial still will not repot the loan as paid off on any of our credit reports. Contacted all 3 bureaus and was told to go back to the Lender to have them correct and let them know it was paid off. all 3 bureaus refuse to help even with the provided paid i full letter without a dispute but they have never worked in the past and new lenders frown on disputes on reports. Ally still says they will send the letters in again and have it marked paid off but we are 2 months past the initial payoff and I am getting no where with any of these places.

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 2021-09-29
Company: National Credit Adjusters, LLC
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Repeatedly have told this company trying to collect that this isnt my debt, they insist that it is. I need and want complete verification that this is my debt

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of inquiry that is still reporting on my Credit Reports : XXXX XXXX XXXXDate of Inquiry XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Account status incorrect

Complaint:
Bank of America is showing an account that is closed, open. It also is showing that in XX/XX/2020 that my account is late 30+ days but in XXXX and XXXX showing that it is current. I am requesting that all Bank of America accounts be removed from my credit report for the reason being that all inaccurate information is being reported and hurting my credit score drastically.

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: LTD Financial Services, L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2022 received first letter claiming that they just purchased the debt along with attempt to collect. 

XX/XX/2022, Disputing the debt requesting debt validation. 

XX/XX/2022, Attempt to collect on debt without validation during the 30 days grace period XX/XX/2022 Attempt to resolved XX/XX/2022 Final Attempt to resolved XX/XX/2022 Debt collector delete my access online Also Multiple robo calls. All calls recorded.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
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:
Hey, this is XXXX XXXX, I am in stress due to you all consistently furnishing inaccurate information on my report making it very hard for me to get a job!

You are in violation under 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated Credit Information and 15 U.S. Code 1681e ( b ) - Compliance procedures maximum possible accuracy. 

To Equifax, Recently I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure were 100 % correct. Under 15 U.S. Code 1681e ( b ) ( 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.

I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me with a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter.

Company response to consumer: Closed with explanation