BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM
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:
I mistakenly double scheduled to pay my XX/XX/2019 Capital One account balance of {$500.00}. Once I discovered this mistake I called Capital One and ignorantly asked for a " refund '' of one of the {$500.00} that I double paid. Capital One did refund that {$500.00} back into my account with XXXX  XXXX XXXX. Then I get my XXXX statement that shows a " Payment adjustment '' of {$500.00} -- shown as a transaction with the {$500.00} added to the actual purchases I made that month. I called Capital One four times!! and again this morning making 5 times, and all they did was refund the {$4.00} interest they charged me on that {$500.00} they insist I must pay. In today 's call, I learned I used the wrong " terminology '' for asking to have that extra {$500.00} refunded, and he hung up on me. I have mailed Capital One headquarters in XXXX XXXX XXXX Utah, all copies of all bank accounts, card statements and long letter explaining what happened, and all I get is a very lame letter advising " since you acknowledged you received the payment refund of {$500.00} to your bank account and we debited you Capital One account for the same amount. We confirmed the balance owed is correct and as of the date of this letter ( XXXX. XXXX ) the  balance is {$770.00} when I had only made in actual purchased transactions of {$160.00}. 
I am desperate as Capital One refuses to acknowledge they did not { " debit '' my account with the {$500.00}, rather they charged my account with the payment adjustment of {$500.00} as actual purchases when it should have shown as - {$500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm XXXX XXXX, and I appreciate your taking the time to delete some of the information in my credit file ; however, there are still other accounts that need to be corrected or deleted. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXXXXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXXXXXX XXXX Balance : {$4500.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XXXX Balance : {$2200.00} XXXXXXXX XXXX XXXXXXXX Balance XXXX {$600.00}

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 2021-06-30
Company: EQUIFAX, INC.
State: KY
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:
The Bureaus failed to provide evidence to support ownership of the debt and they still did not provide me a copy of the signed application with my signature pertaining to the debt in question. According to Fair Debt Collection Practices Act, they must show ownership of the debt. They are in violation of Fair Debt Collection Practices Act because they did not prove validity of the debt, they did not furnish the paperwork required to show 100 % proof that they own the debt and therefore the disputed items must remove the account from my credit report. 

I started my dispute in XXXX this year but there was no investigation made and so I sent a follow up mail on XXXX but until now I have not received documents from the 3 Bureaus. Please help me reach out to them so I can fix the error in my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
I spoke to city of XXXX XXXX and they stated to me that they do not report bankruptcies to credit bureau 's and they didn't know why that would be on my credit and they also gave me some advice to where to look this information update so you're supposed to remove the public information. I was given the attached information.

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 2018-01-28
Company: SYNCHRONY FINANCIAL
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I was late with a credit card payment for my XXXX store card which I fully own up to as I have been working an insane amount of hours due to the huge XXXX outbreak. These people have been calling me every day multiple times a day, often times multiple times in a row. The other day they called 17 times in a row while we were on rounds in the XXXX. This morning they called 19 times in a row. The kicker is if you pick up there isnt even anyone there. This is beyond ridiculous, its outright harassment.

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 2023-11-02
Company: Blackhawk Network Holdings Inc.
State: GA
Product: Prepaid card
Sub-product: Gift card
Issue: Unexpected or other fees

Complaint:
Myself, and the purchaser of the card are military veterans, it was a gift, meaning I do not have the receipt. It is part of the scam the company keeps insisting on perpetrating in order to drag it out. I feel confident it is an inside job because the card was a gift from last holiday and had not even been removed from the sleeve until this year when it was registered on the company website, though it carries a XXXX logo! It was only shortly after registering it that malfeasance occurred with the card! When I checked on XX/XX/23 the card had full value of {$100.00} when I attempted to use the card on XX/XX/23, I was told the balance was XXXX dollars and change. {$94.00} had been charged on the card, without it ever leaving my wallet of possession, hence what is the access point? The registration point for the host company, Blackhawk Network California Inc. These companies have shelf space in every store in this country, therefore in every sense are aided and abetted in committing fraud, when they sell the product, and when customers register it, with someone committing theft on the other side! For the record, there was news coverage in the city I am near about multiple acts of theft this way with other victims telling their stories. And yet, the system continues to enable it. As the other victims, I will never buy, and I will inform others to never buy a gift card again!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
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: Was not notified of investigation status or results

Complaint:
I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back

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 2023-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being 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 non-monetary relief
Consumer complaint received 2022-03-22
Company: EQUIFAX, INC.
State: OR
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:
It was reported false negative information and keep reporting I requested for deletion due to errors of reporting this was paid and closed XXXX and they reported major first delinquent in XXXX of XXXX please delete from my reporting for negative false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-19
Company: Riverwalk Financial Corporation
State: OH
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Car was purchased from XXXX XXXX it was originally XXXX and was then sold to XXXX XXXX XXXX. The account is over 7 years old but company is using the date it was sold and not the original date. XXXX deleted the account however XXXX and XXXX after repeated attempts including giving the documented proof they refuse to remove the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXXXXXX 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
this card is closed due to the merchant going out of business, I still owe on the card and can no longer access my acct online to pay it. I have to try and call every month and try to get through their automated system. They also will not set me up on auto pay even though I have asked. No time frame on when we will be able to access our accts online again or when we will be able too set up auto pay.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-24
Company: Experian Information Solutions Inc.
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 XX/XX/XXXX, I contacted XXXX in regard to my student loans they service. My complaint was that the amounts that I am being billed for are not the amounts that were sent to the University I attended. The amounts that I am being billed for are higher than the amounts that I borrowed. Because the amounts are higher, I am paying more interest on these incorrect amounts. I mailed XXXX a certified letter to look into this problem and correct the inaccuracies. I received a letter back explaining how XXXX calculates interest. They also sent a copy of my promissory note. They did not research or correct my complaint. I then sent three more certified letters XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX asking for them to research and correct the errors. Again, each time they responded with a letter explaining how the interest is calculated. I have attached a ledger from each institution I attended and how much my student loan was for. I have also attached the ledger of what XXXX is billing me for. On each disbursement that XXXX is billing me for, the amount is more than what was borrowed. I have also attached the certified tracking numbers from the United States Postal Service showing where XXXX received my correspondence. XXXX also is billing me different fees that I never agreed upon paying. I requested the contract that indicated I would be responsible for these fees and XXXX has yet to provide the contract and the notification that these fees would be charged. Another issue that I have with Navient is that they have no record of my loan history from XX/XX/XXXX-XX/XX/XXXX but I am being billed for these years. XXXX has violated both the Fair Credit Reporting Act by reporting inaccurate information to the three credit bureaus ; they have also violated the Fair Debt Collection Practices Act by seeking collection of an unjustified amount and by not providing validation of the debt in the amounts they claim is owed.

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 2018-02-14
Company: CITIBANK, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
About 14 months ago, I had unexpected injuries that put me in the hospital and unable to continue working. I reached out to Citi Mortgage to explain my situation and submitted documents/financial information in hopes they could help me get back on track. I did send in documents but the lender kept asking for more and more information and it felt I was continuously sending in document after document, although I had already sent them in. At no point during the review was I provided a designated point of contact and eventually the review was closed because they stated I did not send in all the documents when I in fact did. I reached out to Citi again recently and they advised I had one day to send in all the information again or the foreclosure would proceed. That put a lot of pressure on me and there was no way I was going to be able to send in everything that day. I am now facing a foreclosure sale date in 4 days and out of options..

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 2024-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
XXXX XXXX has just dinged my score, due to a fake debt & has done nothing to actually help customer

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 2019-08-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2019, I submitted a claim for {$200.00} to get my money back. On XX/XX/2019, I went to the XXXX XXXX XXXX and tried to take out {$200.00} and was charged XXXX to use their ATM. I did not receive any money but the money was taken anyway. I had reached my limit on withdrawals and Bank of America 's system stated that the withdrawal had been denied. I called the next day to confirm with bank of America 's phone system and the system confirmed that the transaction had been denied. While the claim was going on, I called bank of America to let them know that their system had confirmed that the transaction was denied but they said they still have to do the investigation since the ATM was not theirs. I figured I would be ok since it was in their system. 

I just received a notice on XX/XX/2019, that the claim was not going to be paid back. Bank of America gave no reason and clearly their own system even stated that the transaction had been denied. I am filing a complaint because I did not receive any money from that ATM and Bank of America has a record of that transaction being denied. I am due back {$200.00}. This has made my account run a negative {$200.00}.

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 2023-09-05
Company: Maximus Education, LLC dba Aidvantage
State: IN
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Dear Sir/Madam, I am writing to file a formal consumer complaint against the Department of Education and related entities regarding false and deceptive practices on my credit report or consumer report. I believe these actions have unjustly impacted my financial standing and creditworthiness. 

I have recently reviewed my credit report and discovered several alleged debts that I am confident I do not owe. These accounts, which are purportedly associated with student loans, are inaccurately reported on my credit report. The false information has significantly affected my credit score and, consequently, my ability to secure loans and access financial opportunities. 

Key issues of concern in this complaint include : 1. Inaccurate Reporting : The accounts in question are not valid debts owed by me. I have diligently kept records of my student loan payments, and these discrepancies are unjustified. 
2. Damaging Credit Impact : The inclusion of these false debts on my credit report has had a detrimental effect on my credit score, making it difficult for me to obtain favorable terms on loans, credit cards, and other financial products. 

Furthermore, I wish to assert my rights under 15 USC 1681 regarding permissible purpose. It is my understanding that consumer reports may only be provided to parties with a permissible purpose under the law. I question whether the Department of Education and related entities had a permissible purpose for providing inaccurate and damaging information to credit reporting agencies. 

I kindly request that the Department of Education promptly investigate this matter, correct the inaccuracies on my credit report, and take appropriate actions to rectify the damage done to my creditworthiness. I believe in the importance of accurate and fair reporting, and I trust that the relevant authorities will ensure this is upheld. 

Please find enclosed copies of supporting documents, including evidence of my loan payments and any relevant correspondence. I am more than willing to cooperate fully with your investigation and provide any additional information that may be required. 

I look forward to a timely resolution to this matter and request that you keep me informed of the progress of your investigation. 

Thank you for your attention to this serious issue. I anticipate your prompt action in rectifying these false and damaging entries on my credit report. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: Experian Information Solutions Inc.
State: TX
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:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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