BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-10
Company: Bread Financial Holdings, Inc.
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
PayPal signed me up for a credit card without my clear consent. I read a report by the CFPB in 2015 about the same kind of event. They allegedly signed me up for a credit card automatically when my PayPal account could not cover a cost. They never reported the credit card inquiry to any credit bueruo. When I notified the company about this they said that they did not have to report it. They have been incurring late fees on it since it has happened. They refuse to clear the debt despite me not having signed up for the credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: ERC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that ERC would verify the debt. So I took it upon myself to ask ERC for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/2021. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
About 6 months ago my girlfriend tried to transfer {$1000.00} from her checking account to mine through capital ones XXXX transfer service. ( Both capital one accounts ) The transactions usually take a day to go through so we waited and still no money. So we call in and get bounced around to different representatives for about a week untill they finally send us to someone with power to do something. This rep admitted to capital one having issues with this service and said he would look into it. Finally calls us back and says that have it figured out and that a check would come in the mail, but still nothing. We call again and now he says there was a issue and it was rejected. Now, when we call he is not in the office today and we call multiple times a week. I just want my money back that they stole/lost.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: Experian Information Solutions Inc.
State: WI
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 am so stressed and so disappointed that this is happening to me and my credit report. Not only is it very embarrassing, it is clearly either your fault or the company 's fault for reporting this inaccurate information. Remove late payment annotations and update to paid now or as agreed.

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 2022-01-13
Company: I.C. System, 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 the late payments showing on my account for IC SYSTEM which was already fully paid years ago. They are reporting in my account as 60 days late however this account has already been paid and it is closed therefore it should not be reporting as late.

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 2017-10-10
Company: EQUIFAX, INC.
State: NC
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 XXXX XXXX, my husband and I sent a letter to Equifax requesting that they investigate errors on our credit report. My husband received the results of his investigations in XXXX. Several more weeks have gone by, but I have yet to receive my investigation results from Equifax. I have called and written follow-up letters, but I still have n't received my updates.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent a letter to Experian two months ago, and they have yet to respond.

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 2017-08-14
Company: FORD MOTOR CREDIT CO.
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Ford has been reporting me 30 days late when I am not 30 days late. They are in violation of the FCRA and they will not fix the issue. Nobody there will help nor do they know what they are doing. I make my payments every single month so how can I have random 30 day late payments!!? If they claim I am in fact 30 days late then they need to prove to me that I am. I have contacted an attorney who handles this type of law and the next correspondence will be from him. Its like these creditors can do whatever they want and say whatever they want and nobody makes them responsible. Why is n't the CFPB investigating them? I see many of these same complaints! They are affecting my financing and affecting my credit picture with this inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10
Company: SYNCHRONY FINANCIAL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have been an account holder with XXXX XXXX 's credit card services for more than 11 years and have never made a late payment on this account. On XXXX XXXX, XXXX, there was a payment due on this account in the amount of {$14.00}. At that time, I did not realize that there was a balance owed on this account as I had previously been carrying a credit on this account in the amount of {$61.00} since I had overpaid the account during a previous billing cycle. I paid the {$14.00} balance which had increased to {$16.00} after fees had been accessed on XXXX XXXX, XXXX. On the day, I made this payment, I realized that the payment had exceeded a 30 day period and I was concerned that a late payment would be reported on my credit report, so I contacted a representative ( recorded conversation ) to confirm whether my payment would be reported as late. During this conversation, I was informed that I would not receive a late payment report on my credit report because they do not report a late payment until the account is 60 days past due. Unfortunately, when I checked my credit report, it is reporting late with all three credit bureaus XXXX XXXX, XXXX and XXXX XXXX in XXXX XXXX and my credit limit was reduced from {$4000.00} to now only {$100.00}. I contacted the XXXX department with XXXX XXXX 's credit services today, XXXX XXXX, to see if they would put in a request to remove this late payment reporting on my credit since I was previously told on XXXX XXXX, XXXX by the representative that I would not receive a late payment report since my account was not 60 days past due and as a courtesy since I have held this account for over 11 years since XXXX and HAVE NEVER BEEN LATE, and unfortunately, I am unable to get any resolution. Not only have I ever paid this account late, I have also never been late on any of my other credit accounts and this account and all of my accounts are current. I am frustrated because this late reporting on my credit profile has damaged my credit profile and has caused a decrease in my credit scores by over XXXX points. I am only requesting that they consider that I have been a long time account holder and have never paid this account late and make an exception to correct this late reporting on my credit report. Thanks so uch

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 2020-10-05
Company: EQUIFAX, INC.
State: NJ
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:
Dear Sir or madam, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 



Credit reporting laws ensure that bureaus report only 100 % accurate information every step must be taken to ensure the information reported is completely accurate and correct. 

The following information therefore needs to be re-visited. I respectfully request to be provided proof of these inquiries were in fact authorized with an instrument bearing my signature for legitimate business purposes. Failing that, the unauthorized inquiry must be deleted from the report as soon as possible : INQUIRES The listed inquires were without authorization, and no legitimate business purposes. As such, it is a very serious error in reporting. Please delete this misleading information, and Supply a corrected credit profile to all creditors who have received a copy within the last 6 months or the last two years for employment purposes. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. Under federal law, you have 30 days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy of the completeness of the information is hereby requested, to be provided within 15 days of completion of your re-investigation. 

XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Nj XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10
Company: Experian Information Solutions Inc.
State: CA
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 sent this company a dispute letter to dispute several INCORRECT AND INACCURATE pieces of information. I wrote them a letter dated XXXX XXXX, XXXX. Listed are all the inaccurate and incorrect information being reported including liens that I 've personally verified with the courts which have been removed from their records since last XXXX XXXX, XXXX. This proves how inaccurate and incorrect this company 's reporting is ; this also proves this company 's violation of FCRA. They did not conduct any investigation. Attached to this complaint is a copy of the letter I sent this company last 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 2017-10-10
Company: EQUIFAX, INC.
State: FL
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:
Yesterday I received a notification that I had a new inquiry on my credit report. I purposely added a fraud alert on all three credit bureaus a few months ago to avoid this from happening. The credit bureaus are out of control right now and do not care about us consumers. I did not authorize anyone to run my credit for any reason yesterday. The following fraudulent inquiry need to be removed immediately. They are violating my privacy rights by just letting anyone pull my credit. XXXX XXXX XXXX - XX/XX/XXXX. Secondly, XXXX is the XXXX. I have constantly complained to them that I had inquiries that I did not authorize. I complained sooooo many times and they do not care!!! The following FRAUDULENT inquiries from my XXXX report need to PROPERLY investigated and removed IMMEDITALELY!!! # 1- XXXX XXXX XX/XX/XXXX # 2- XX/XX/XXXXXX/XX/XXXX, # 3-XX/XX/XXXX XX/XX/XXXX, # 4- XXXX XXXX XXXX  XX/XX/XXXX # 5- XXXX XXXXXX/XX/XXXX, # 6- XXXX XXXXXX/XX/XXXX # 7- XXXX XXXXXX/XX/XXXX, # 8- XXXX XXXX XX/XX/XXXX # 9- XXXX XXXX XX/XX/XXXX, # 10-XXXX XXXX XX/XX/XXXX# 11-XXXX XXXX XX/XX/XXXX, # 12- XXXXXX/XX/XXXX, # 13- XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-14
Company: Systematic National Collection, Inc.
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I have received another attempt to collect letter from Systematic National Collections. They are not licensed to collect in the state of Utah and this is illegal to do. I have attached the proof of my most recent attempt to collect letter I just received in the mail. I also attached the proof that they are not licensed in Utah. They also still have not sent debt validation which is also illegal to continue to collect on a debt that they can not validate. If Systematic does not stop contacting me about this debt and delete this from my credit report I will contact my local Attorney Generals Office.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I called Navient in XXXX of XX/XX/XXXXto renew my reduced interest repayment program and give my new financial information. Since that time, my financial situation has changed again. I called on XX/XX/XXXX to give updated income and debt/income information. They told me that it could not be reviewed again until XX/XX/XXXX and that I was locked into that monthly repayment amount. I advised that over and over that my financial situation changed since then and they still would not review my account with me to possibly adjust my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14
Company: CAVALRY INVESTMENTS, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
{$600.00} amount I disputed with the collection agency, they refused to delete. I have never entered into a verbal or written agreement or contract with this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-14
Company: Experian Information Solutions Inc.
State: OH
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:
I have been trying since XXXX 2017 to get my XXXX card to update on my 3 reports after a three was call XXXX finally updated. Upon several more attempts equifax and experian for some reason wo n't update it. XXXX bank has sent me a letter stating they have reported to all three several times and to contact them directly to figure out the problem. When I call the two they say they report what is sent to them. My husband and I have spent 100+ hours on the phone back and forth and nothing seems to be getting solved. Can you please help. I have the letter if I need to fax to you I will.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
In the beginning of XX/XX/XXXX I was trying to apply for a checking account with capital because I received a letter in the mail for apply for a checking & a line of credit. I applied and was denied. Before I tried to apply in XXXX I applied in XXXX and was denied then. I am trying to purchase a house and I need to have this inqury removed, Please. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Yesterday I received a notification that I had a new inquiry on my credit report. I purposely added a fraud alert on all three credit bureaus a few months ago to avoid this from  happening. The credit bureaus are out of control right now and do not care about us consumers. I did not authorize anyone to run my credit for any reason yesterday. The following fraudulent inquiry need to be removed immediately. They are violating my privacy rights by just letting anyone pull my credit. XXXX XXXX XXXX - XXXX/XXXX/2017.

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 2017-08-15
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
citibank funded a defective product that was disputed through Best Buy and Citibank It was then turned around and sold to a company called midland funding. This matter pertains to violation of fdcpa and abusive debt collection. I ask that the cfpb look into this matter immediately

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 2022-08-24
Company: SYNCHRONY FINANCIAL
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
XXXX XXXX Synchrony Bank issued a complaint in the District Court For XXXX XXXX XXXX. Synchrony Bank stated that I was served a summons. This is incorrect. I was not served. The complaint is for an alleged debt. I have not been able to dispute this debt yet Synchrony Bank is suing me for the alleged debt. XX/XX/2022 I sent a Cease and Desist via certified mail.

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 2017-10-10
Company: KEYCORP
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Made a deposit on XXXX XXXX in the afternoon, bank is holding it until Thursday XXXX XXXX because I had {$2.00} in the account and made a deposit. So due to me spending money in my own checking account, and then depositing a payroll check from XXXX XXXX a hold was placed on the check. So the excuse is invalid because I 'm only using my banking account how I see fit ; within their guidelines, even. I 'm not sure the last time a multi-billion dollar company bounced a {$360.00} check, so there 's no reasonable doubt to be had. So there 's no legal reason to have had a hold placed on the deposited check. Even though it was deposited online, according to the " Check XXXX XXXX '' even an electronic image is handled as a real check. The excuses are bland, murky, and have no place being thrown around in what should be a professional, efficient environment. It 's completely illegal to do this in the first place, according to the " XXXX Funds XXXX XXXX ''.

Company response to consumer: Closed with explanation