BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
To Whom It May Concern, I am writing concerning my experience with CapitalOne is both a grateful thank-you and a pressing request concerning my account. 

I received my CapitalOne credit card in XXXX of XXXX and took pride in the fact that I routinely made all my payments on time. Unfortunately, in XX/XX/XXXX I missed a payment due to my children becoming sick and then myself. With one child getting better and the next week another child becoming sick and then I became sick as well. I was also told I missed two payments in a row and was 30-60 days late and that's why I was reported as late for XXXX Also I am a XXXX and in XXXX, XXXX and XXXX we had XXXX spread through my facility. I believe XXXX is what my children and I caught in XXXX. People might have started to forget about XXXX, but it's still spreading in waves in Healthcare facilities and Healthcare workers are still battling this virus. I'd appreciate the removal of my late payments from my credit. 

I am a single mother of XXXX children and saving to purchase our first home in the coming year and now I'm not so sure if I can be approved with my unintentional mistake with CapitalOne. I am very sorry. 

Since that incident, I have learned the essential organizational and financial management skills I needed at that point, and my payment history reflects that. I wish to thank you for your renewed confidence in me and for giving me a second chance at a positive relationship with CapitalOne, one that I am determined to keep untarnished. 

Since that late payment does not reflect my current status with your company, Im requesting that you please give me a second chance at a positive credit history by revising those tradelines. I sincerely hope that there is redemption at CapitalOne, and I would like to ask for such consideration. 

I thank you again for the time you have spent reading this correspondence. 

Very hopefully yours, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-03
Company: FIRST ADVANTAGE CORPORATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint:
On the date of XX/XX/2022 I had a background check screening done by FIRST ADVANTAGE with some inaccurate information. I looked at my report it shows that I didn't have an active license in the State of XXXX So, I explained to multiple representatives that I moved from XXXX to XXXX also that I surrendered my XXXX license to the DMV in XXXX Their responds were the information they have received was from the DMV in XXXXXXXX XXXX  says everything is updated on their in. They say it takes 30 days for a dispute then I asked for it to be expedited, then they tell me they don't give time frames out when its expedited. I provided them with all the proof, ask for a supervisor to call me never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09
Company: EQUIFAX, INC.
State: AZ
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:
Hello, My wife and I just paid off our XXXX mortgage, we were never late or have any negative information on our credit, after we paid off XXXX loan in full and it was in good standing, XXXX closed the account with zero balance, my question is why did my wife and I credit score go down between 24-36 points. I thought that when you pay off the loan and you are in good standing your score should go up not down less debt. 
Can someone please explain to me why this is happening, reached out to XXXX they said they reported it correctly, I also reached out to Equifax they said they can't do anything. Where is the justice here for people who are hard working and pay off the debt they owe with never being late. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: Experian Information Solutions Inc.
State: NM
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 three major consumer credit reporting agencies, XXXX, Experian and XXXX XXXX are not responding to my requests to investigate, verify and remove accounts from my consumer credit reports that do not belong to me in accordance with The Fair Credit Reporting Act.

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 2023-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
A checking account was opened in my name without my knowledge. The account has a negative balance as of now.

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 2023-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 had taken out an installment loan which was not paid directly to me all at once but would be once the payments were made. I cancelled the loan mid-contract and was owed a refund for some of the money which I had invested towards the account. I received an e-mail from XXXX that stated I had until XX/XX/2022 to pay the outstanding balance of {$390.00} and that XX/XX/2022 would be the last day to do so. 

I paid the outstanding balance and left XXXX with a {$0.00} balance on my account prior to the date which was set for the deadline to make said payment. However, in XX/XX/2022 I began receiving notifications from XXXX, XXXX XXXX, XXXX XXXX that XXXX had reported my account as a " charge-off '' status, this was not the case as the letter I received from XXXX ( see attached document ) stated I had until XXXX. This was very unsettling and has been very unsettling with me for the past year. 

This account was paid off in full, & I also received a refund for the money I had invested in the account. 

I request the immediate removal of this XXXX account due to several inaccurate reporting including dates, amounts, and several inaccuracies which have affected my credit score among other things.

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 2022-11-03
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Commenity Bank hasn't reported payment and balance information to the credit bureaus since XX/XX/2022. I have paid off 2 accounts in an effort to get a home loan, but it's still showing a balance on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-03
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I'm asking my loan servicer for affordable loan mod. They do not providing me with the full payment history on my account. I need to know how do they came up with the dollar amount to give me a new loan mod.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-24
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XX/XX/2019 I disputed inaccurate incorrect erroneous information damaging my credit file with Equifax via its Online dispute system. I submitted documentation and filed a dispute regarding incorrect inaccurate name and address and phone numbers and spousal information. Equifax received my dispute and stated it would contact me with the results. 

On XX/XX/2019 Equifax contacted me via email and informed me the investigation into my dispute had been resolved and the information was available to me via an online link provided to me through the email notification sent to me. I attempted to access this link on a number of occasions between XX/XX/2019 and XX/XX/2019. 

Finally on XX/XX/2019 I contacted Equifax and spoke with a representative named XXXX who told me the link was available and if I could not access it, then my only options would be to discuss it with her by phone or request my credit report by mail. 

On XX/XX/XXXX, I sent a request to Equifax via Priority Mail requesting my the results of my credit dispute which they have hampered in providing me through broken and/or damaged email links which were never active.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: EQUIFAX, INC.
State: FL
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-17
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:
To whom it may concern, Transunion XXXX XXXX credit union Case # XXXX & XXXX As a consumer my rights have been violated by Transunion & XXXX per The Fair Credit Reporting Act ( 15 U.S.C. 1681 ) Both credit bureaus are stating that XXXX XXXX XXXX IL furnished this information. However, I have a letter stating that " The United States Bankruptcy Court does not report to the credit bureaus and is not responsible for verifying or validating information from consumers ' credit files. 

I contacted the court, and their response is enclosed. It is clear they do not report to you or any credit bureau for that matter ; therefore, verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted 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 non-monetary relief
Consumer complaint received 2022-11-03
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I have a home equity loan with : TD Bank XXXX XXXX XXXX XXXX XXXX, Nj XXXX XXXX XXXX XXXX : XXXX I plan my budget and pay my mortgage payments when money is available. 

On XX/XX/2022, we paid our mortgage in the amount of {$2400.00} The check cleared on Saturday XXXX XXXX. 

On XX/XX/2022, the payment still has not posted. 

I have called the mortgage department numerous times. They claimed in their system the payment was 'lost '. The research department is currently trying to 'find ' it. 

This is the 6th time in 3 years. 

The bank appears to be unable to process checks for mortgage payments. Per tellers, the process is very confusing. But it requires a customer to be vigilant always and check to ensure the process has cleared. 

All the while I am subject to interest on something I paid for 5 days ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Our business has a well funded checking account for more than two years. We have been cut off from accessing that account through credit card and debit card access. Also, we applied to Bank of America for a XXXX loan, which was granted, but after requesting forgiveness through our website login, we have received no documentation for a year. When contacting Bank of America, they claim that they have no ownership, knowledge, or any information. When calling the number that they provide, the people have no knowledge at all of any loan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the negative items that have been reported on my credit report by your agency. I am emotionally distressed to see that there are several late payment accounts, charge off accounts and collection accounts that have been reported on my credit report, including : XXXX XXXX Late Payment Account XXXX XXXX XXXXXXXX Late Payment Account XXXX XXXX Charge Off Account NAVIENT XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge off Account XXXX XXXX Charge Off Account I would like to bring to your attention that some of these accounts have been erroneously reported or are in violation of certain laws. As per the Fair Credit Reporting Act, credit reporting agencies must ensure that all the information they report on a consumer 's credit report is accurate, complete and verifiable. Any inaccuracies or incomplete information can have a negative impact on the credit score of the consumer.

In this regard, I would like to point out that the late payment accounts reported by XXXX  and XXXX XXXX were due to a temporary financial hardship that I was facing at that time. However, I have since then made every effort to bring my accounts up to date and have been making regular payments on these accounts. 
Regarding the charge off accounts, I dispute their validity and request that they be removed from my credit report. The accounts reported by XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX were all included in a bankruptcy filing that I had made in the past. As per the Fair Credit Reporting Act, any account that has been included in a bankruptcy filing should be removed from the credit report after a certain period of time. 
I would appreciate it if you could investigate the validity of these accounts and take appropriate action to remove any inaccurate or incomplete information from my credit report. I trust that you will comply with the laws and regulations pertaining to credit reporting and take the necessary steps to ensure that my credit report is accurate and up to date. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-17
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have attempted to gain access to my account at Experian for the last two weeks and can not get past their phone tree to talk to a human being. Their automated response has informed me that they can not forward me to a specialist.

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 2021-12-14
Company: EQUIFAX, INC.
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 information incorrect

Complaint:
Dating back to XXXX XXXX2021 after receiving a copy of my consumer credit report at my request after being denied credit by a creditor, I was in complete shock as to how much inaccurate information and the number of discrepancies being reporting between all XXXX of the major Credit Bureaus XXXX XXXX, Equifax, XXXX ) within my consumer report. Since then I have mailed in a total of XXXX dispute letters to all three bureaus ( XXXX, Equifax, XXXX ) to resolve this matter as it is damaging my character in regards to my financial situation and ability to repay creditors. I have mailed letters both certified and standard postal on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and the last being XX/XX/XXXX in regards to solving this matter, however the problem still persist and is ruining my financial reputation. As some unverifiable and inaccurate information have been removed/corrected there are still a number of accounts that have not been verified, updated or deleted by request that is still reporting false and damaging information. The remaining accounts that continues to report false information is ; XXXX XXXX, XXXX XXXX, The Bureaus, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Card, XXXX XXXX and XXXX XXXX XXXX The following accounts within each bureau contains discrepancies in regards to the past due balance, rightful owner of the account, payment dates and history, date last active as well as the last payment date. According to the FCRA XXXX XXXX it is the responsibility of the Credit Bureaus to report fair and accurate information within each consumer profile in which they have not done in this particular case. I do understand my rights as a consumer which is why I felt the need to file a complaint with the CFPB as I am not getting anywhere with the reporting agencies and the inaccurate reporting is defamation of character.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: EQUIFAX, INC.
State: WI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-17
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
The reason why I'm following this complaint is because this repossession date is XX/XX/2015 and I spoke to the creditors multiple times over three months and they stated that they have sent a request to this bureau to have the repossession remark removed off my credit report for over three months and it still on my credit report it's been over seven years from the time of the repossession and the remark is affecting me and I have tried my best I've sent numerous letters to this credit bureau and still nothing has happened this is a violation of my rights because I know it should be not it should not be on my credit report no more than seven years from the time the delinquent has happened and it is over seven years now I need this repossession for remark remove my credit report it has been removed off of XXXX XXXX but not this credit bureau.

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