BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I would like this Deleted from my recordits not fair reporting. I tried several times to pay and they kept blocking my account. Online and app payments were not being allowed. I had a few payments returned due to bank errors, payments were paid the same day they were returned but they still closed my account with no notification to me at all. Then I was able to make payments on the closed account ONE TIME before they locked me out online and on the app ( wasnt accepting payments ) then they charged the account off. Again now as a charge off without any notification to me. They did not even offer a settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To whom it may concern, I sent a letter to Experian XX/XX/. Here is my mailing tracking number XXXX ( XXXX XXXX XXXX ) to remove incorrect personal information from my credit report. 

According to 15 USC 1681, I the consumer have the right to privacy, which this agency has violated being that I did not give them written permission to include such information. Also, according to 15 USC 1681, agencies must be reporting accurate information. This information is inaccurate and i would like it to be deleted intirely.

Along with these violations, the agency has also Violated 15 USC 6802. No financial institution is supposed to share my personal information with any third parties. 

These are clear violations oof my federally protected rights and i would like them corrected immediately. Thanks so much.

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 2023-12-14
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situation.

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 2023-12-14
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

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 2023-11-30
Company: CFAM Financial Services, LLC
State: OH
Product: Credit reporting 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:
I am trying to obtain a mortgage for a house, and for some reason there is a glitch when it comes to XXXX and the XXXX scoring system. Even though XXXX XXXX sometimes has less things than other bureaus my XXXX score for mortgage loan is hundreds of points lower and on a tri merged mortgage report its not showing any of my current accounts that are in good standing which I think is affecting it. Im not sure if this is a glitch on XXXX XXXX side or with XXXX but it is hurting me and causing harm to my credit file and I have been working hard to fix my credit so I can live the dream and buy my family a home. I need your help to make this happen. Its only transunion that seems to be the issue. Thanks

Company response to consumer: Untimely response
Consumer complaint received 2023-12-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Last week I have received letter from Bank of America dated XX/XX/2023 stating that they moved {$130.00} from my deposit account and applied it to the outstanding balance on my business card ending in XXXX. That alerted me to investigate why the was an outstanding balance on my account if I had plenty of money to cover my expenses from my checking account that I understood it will happened automatically. This Tuesday XX/XX/2023 i went to XXXX office to discuss this issue and get some personal service. Well even though the staff was very nice and accommodating, they could not help me beyond connecting me with credit card department on the phone, because my account got closed supposedly for not payment, that I found out at the bank, so thy in turn connected me with the collection department in the effort to collect some {$230.00} that was outstanding according to them even though they transferred on XX/XX/XXXX outstanding balance and no transactions where made since that time. That was news to me for I did not receive any previous communication from them and that should not be a problem because i hold personal credit card, personal checking account and saving certificates with XXXX and I am receiving regular communications from them for this accounts and they are in good standing. my personal account is being automatically being paid from my checking account. Now back to my Business Credit card. 
Effectively on XX/XX/2023 I was charge {$29.00} in fees and {$3.00} in finance charge, XX/XX/2023 {$29.00} in fees and {$4.00} in finance charge, XX/XX/2023 {$29.00} in fees and {$4.00} in finance charge, XX/XX/2023 {$3.00} in finance charges and according to the statement {$130.00} was moved from my privet account to offset payment, and today I was charged {$230.00} to pay off the closed account. When I was doing this requested payment on the recorded conversation with the agent I did say that I am doing it involuntarily. The agent name was XXXX and she introduced her self as a Senior manager and she did say that i can not escalate my case to a higher level and I said that I will file a complain. I was also given a phone number : XXXX in case I have any questions. 
I was denied a due process to correct initially the problem with automatic payment from my account. My reputation got tarnished with the late fees and the closure of my account,

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 2023-12-16
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX are reporting the wrong balance to credit bureau and I was denied credit as a result.

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 2023-12-20
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This account was removed due to identity theft. This account is not mine. The account wasnt validated and/or verified. The account is now reporting again on my credit report. Account XXXX is a clear violation of 15 U.S.C. 1681 ]. ( a ). Account XXXX should be promptly removed to prevent further damages related to the FCRA violation. The information in incorrect. It hasnt been validated. XXXX and XXXX deleted and blocked reporting so this account hasnt resurfaced on my credit profile with them. Experian needs to do the same.

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 2023-10-11
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
There is inaccurate information on my report. Please see the attached letter which gives further details.

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 2023-12-16
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I reviewed my Consumer Reports and noticed that I had multiple late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account ( XXXX XXXX XXXX ) : ( XXXX ) Please investigate and provide Proof with statements Showing that these payments were late 'If proof can't be provided I demand these payments be updated on time as they should be as I was NEVER Late. Thanks I have uploaded proof of my credit report below stating that these payments are being reported inaccurately

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 2023-12-16
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Dear CFPB Representative, I trust this message finds you well. I am writing to bring to your attention a matter of concern pertaining to recent disputes filed with Experian. On the dates XX/XX/23, XX/XX/23, and XX/XX/23, I submitted disputes with the expectation that the Fair Credit Reporting Act would be upheld, ensuring a thorough reinvestigation. 

Upon reviewing my current credit reports, it has come to my attention that there is a notable absence of evidence indicating that the credit reporting agencies have diligently pursued the required reinvestigation process. This oversight is disconcerting, and I believe it is imperative to address this issue promptly. 

I kindly request your intervention in investigating this matter further and facilitating the necessary steps to ensure compliance with the Fair Credit Reporting Act. Your assistance in resolving this discrepancy is greatly appreciated. 

Thank you for your attention to this matter.

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 2023-12-16
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
There are inaccuracies in my credit report, such as incorrect addresses. It's essential to swiftly correct this fraudulent information. Having experienced such issues before, I am diligently working to ensure the accuracy of my reported data. Despite my persistent efforts, I have not received a satisfactory response from the responsible organizations responsible for providing accurate and lawful information. Consequently, I am reaching out for assistance from a higher authority. Your prompt attention to this matter is highly appreciated. ''

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 2023-12-16
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Im disputed this account is not mine : ; I have previously disputed the following accounts and have not receive method of verification please see below request and account information Account info Account name : XXXXXXXX XXXX XXXX Account name XXXX XXXX XXXXXXXX account XXXX XXXX Account name XXXXXXXX XXXX Account number account # XXXX Account name XXXX XXXX account XXXX Account name ; XXXX Account number XXXX account collection and banktuptcy I request for the third time that you provide the method of verification the agency used. i asked : The name of the individual business address and telephone number of the person or business contacted during your reinvestigation. 
The name of the person who verified the dispute with the original creditor The documentation that was used to verify the dispute. 
To date, they have not provided me with a copy of ANY documentation ; Furthermore, they have failed to provide the method of verification as required previous complaint it stated thay they are still working on this account that is incorrect they have investigated these accounts more than 3 times and still no type of verification on accounts.

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 2023-12-16
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello I was born with a twin sister by the name of XXXX XXXX. Our social security number is XXXX digit different and her information appears on my credit report. Right now it is a delinquent account : XXXX XXXX thats been reporting on my credit report and it doesnt belong to me. It belongs to my twin. I XXXX XXXX do not have an account with XXXX XXXX. 

Please erase the XXXX XXXX account off my account asap.

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 2023-12-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was hounded by this company years ago, now suddenly theyre contacting me again. For what reason, I do not know as I am not in arrears with any credit holders

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: CITIBANK, N.A.
State: NC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Representative refusing to post a payment made in XX/XX/2023. I've been making rapid payments ; XXXX posted and the other did not. When I called to make the company aware that a XXXX dollar payment had not posted ; I was treated as if the payment did not matter, and they did not have to post it. The operator kept pretending as if they did not understand what I was talking about. They never posted it which is in violation of the contract that has been agreed upon. They are refusing to post payments. 

Also, there seems to be finance charges applied with no way to see how much the finance charges are. The electronic statement is not listing the finance charges that should be plainly visible.

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 2023-12-18
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
I am an elder person with XXXX XXXX XXXX, and i wor very hard to have a sweet home, due to XXXX XXXX i had a very hard situation and my expenses increased and my incomes decreased, so for that reason a was unable to pay several bills, including my mortgage, i spent all my business and personal savings to try to pay my medical and personal bills. 
Now i am back to continue working i am trying to resolve my mortgage payments, i have been trying to get loans to pay the past due amount and i get some pre-approvals which i have sent it to my lender but at the last time they do not qualify me for the loan so i could not make the payment, then when i spent all my resources to pay the full past due amount, i tried to apply for an option with my lender SPS to at least start with my payments and find a solution for the past due amounts, i spoke with XXXX back on XX/XX/XXXX, she told me my application was denied but they have an special XXXX and that i might qualify for it, she made a financial interview and i told her i was able even to pay more than my monthly payment just to resolve that debt, she told me as this is an special XXXX it takes like 7 days for an update. Then i call on XX/XX/XXXX, and spoke with someone from Ombudsman and he told me i was approved with the XXXX and provided me the new terms and sent a copy of the new terms. Then i called on XX/XX/XXXX to accept the terms and continue with my payments on XX/XX/XXXX and a representative told me they are not going to accept to continue with the XXXX as there is a sale date on XX/XX/2023. Eventhough on their terms says they can postpone when there are 34 days before the sale date and in that day there was 39 days. Then they told me that they will not proceed cause i can not afford cause i told them that, they have recorded calls and they can listen the calls cause i NEVER said i can not afford it, and i showed them my Bank Statement where it shows i can do it. Then they told me they can not proceed as the sale date has been postponed twice in the past. But this is not a postponement at the end as i will start with my payments on XX/XX/2023. We submited a request to continue with the XXXX as all the reasons they gave us are not valid, and i called on XX/XX/XXXX to Ombudsman and i spoke with XXXX, he told the request was denied. I requested a Sup to resolve this situation and they just did not want to take my call. 
I give you permission to share my situation with everyone until this gets resolved. It does not make sense they approved me and then they just tell me they can not proceed with something they approved, like, why did you approve me then?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: Sunlight Financial LLC
State: AZ
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
On XX/XX/2021, I signed a contract with XXXX XXXX XXXX ( XXXX ) for solar panels. XXXX said that they had their own loan company that they worked with and that they could get me qualified that afternoon. ( It was XXXX. ) Before the salesman left that day, I had a loan for {$47000.00} for a solar electrical system with Sunlight Financial, who passed it onto XXXX XXXX. ( I thought that this was odd. ) XXXX XXXX  later, XXXX came out and attached panels to my roof, all the time poking holes in my foam roof membrane, by setting the panels down on their edges and walking on hardware that they had scattered across the roof. After several bouts of trying to get XXXX out to fix my leaking roof, I called Addition Financial to see if they could put any pressure on XXXX. The contract that I had said that XXXX would be paid 30 % at signing, 60 % at installation and 10 % on completion. I was told that XXXX had already been paid and that they were not able to help me. I have since had to file a complaint with the XXXX and it has been determined that XXXX XXXX had not only had abandoned the job but that the XXXX  XXXX  that XXXX used to patch my foam roof necessitates replacing my whole roof. I have no panels installed on my roof, after XXXX XXXX years of leaking and now XXXX has gone out of business. And now I read that Sunlight Financial has filed Chapter XXXX. I have been on the phone for hours this week talking to people at Sunlight and Addition and all I have been able to find out is that an account representative has been assigned to my case and that I will be hearing from them shortly. I have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: Genesis FS Card Services, Inc.
State: WA
Product: Credit card
Sub-product: Store credit 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 have disputed a purchase in the amount of {$1800.00} two times already. I have sent police reports of my car being broken into and my wallet being stolen same day that purchase was made. I also made a police report for the fraudulent charge with XXXX XXXX. I have sent All information they have requested. They are holding me liable due to my driver license being present at the time of purchase. My whole wallet was stolen so of course the thief had my driver license as well. The company will not accept another dispute and is making me pay for the fraudulent charge!

Company response to consumer: Closed with monetary relief