BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-29
Company: EQUIFAX, INC.
State: LA
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:
For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 50 days and again 10 days ago The investigation took longer than 50 days This is a Direct Violation of Fair Credit Reporting ACT Section 611 ( a ) ( 1 ) ( A ) As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filling a compliant with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14 XXXX ), you will be liable for your willful non-compliance. Please remove all Fraudulent accounts as I have no knowledge of these accounts due to the Equifax Data Breach/ Identity theft. All is being investigated by the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08
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 ACCOUNTS DISPUTED DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME, PLEASE REINVESTIGATE THIS MATTER AND HAVE THESE DEROGATORY ACCOUNTS OFF MY CREDIT FILE FOR THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT.

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 2023-10-05
Company: Maximus Education, LLC dba Aidvantage
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with forgiveness, cancellation, or discharge

Complaint:
I was a student at XXXX XXXX XXXX and upon graduation found employment at an XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for the better part and when I applied for another graduate program and doctorate I was denied application because my records could not be confirmed or found.

My records were apparently misplaced during a relocation or campus transplant. At any rate I have loans for the programs I completed but not records on file.

I have made several attempts to contact the school and institutions responsible for the loans but they have all failed to assist me. The program I was in has since expired and the program must be completed again in its entirety.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: BANCO POPULAR DE PUERTO RICO
State: PR
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Hi worked fot XXXX XXXX  XXXX XXXX XXXX and I had a Retirement Plan ( XXXX ) with this company. I received the Quater Statement when it shows the distribute the money I had, which I dont request. I call the customer service of XXXX XXXX XXXX, and they told me the servicer in XXXX XXXX of the XXXX its Banco Popular XXXX XXXX XXXX. That day I call they to request information, and they told me they send me a check on XXXX by mail, check that I never received. That same day I request the stop payment and the process to get my funds direct deposit on my Banco Popular account. They told me this process could take maximum 10 business days, which has been passed. I called once again to customer service and they told me, the " XXXX '' its working with other matters and they will start sending the funds a month after my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
First of all this account was settled for half of it faced value {$4500.00}, I made 8 paymentsat {$100.00} per month as agreed. But the new account was never recorded. It has been almost a year since I have been making payments toward it but XXXX refused to update my account. I called them and asked them to correct the balance shows, they said yes but nothing was done about it. I would to see the balance agreed upon and credit for the payments I made.

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 2019-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
On XX/XX/2019 we received an email from XXXX XXXX that a debt was allegedly owed. On XX/XX/2019 XXXX XXXX received a lawful Debt Validation affidavit that went unrebutted along with Disclosure Statement with questions unanswered. On XX/XX/2019 XXXX XXXX received a Fault in Dishonor Notice in regards to the Disclosure Statement not being answered question for question. On XX/XX/2019 XXXX XXXX received a Default in Dishonor Notice with the disclosure statement still unanswered. On XX/XX/2019 XXXX XXXX Received an Estoppel Notice for which the only mail they sent afterwards was the alleged promissory note for the student loan which did not answer any of the question from the Disclosure Statement. Please See Attached Documents :

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 2023-03-02
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/XXXX we have made an online payment of {$4100.00} from our primary bank 's ( XXXX ) bill pay service to an American Express charge card that we use for business expenses. Later that weekend we have discovered that our payment did not go through and upon further investigation found out that we had accidentally sent the money to the wrong account number which was from American Express but not the correct card. The money went to an American Express card that we had a long time ago but which is has not been active for a more than 4 years. 

That following week we had made a number of calls to customer service centers. We began by contacting American Express, no matter how many times we tried to say that we have the proof of payment they would always state that the account number that we sent the money to has been transferred to XXXX XXXX and we should contact them instead. 

Upon contacting XXXX XXXX with the same account number and proof of payment multiple times and speaking to multiple people each one of them told us that they can not locate an account with that number and they can not locate a transaction using the trace ID from the proof of payment. 

At this point we were sure that the only way to return our money was to go to our bank directly ( XXXX ) and ask the claims department to get it back. However, even there we were told that there was nothing they could do since we were the ones that initiated the payment. After calling in a circle atleast one more time we decided to speak to a banker at our local branch to try to find a solution to the problem. Unfortunately when our appointment time came, the only information they could provide us is to call back American Express with the proof of payment since on XXXX 's side there is nothing they could do. 

We are exhausted and no longer know what to do as each one of the three banks that are involved are sending us in a circle. We hope that bringing attention to this issue can resolve the situation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-06
Company: BARCLAYS BANK DELAWARE
State: MA
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 booked a holiday vacation using a Barclays credit card, at XXXX XXXX in XXXX XXXX from XXXX, through a third party ( XXXX ). Upon returning home I received a fraudulent charge on my credit card for {$1000.00}! I disputed the charge on my credit card and also called XXXX XXXX XXXX. They told me it was for a damaged mattress and linens! I have no clue what they are talking about!! They sent me no proof, such as time dated pictures, or any photos. I have concluded that they have the wrong room number and want to stick some old lady with charges. It is disappointing that my credit card company did not properly investigate charges and is holding me responsible. Next time I travel I will take photos of my room before exiting.

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 2023-10-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
I am writing to express my profound dissatisfaction and disappointment with my recent experience while applying for an auto loan with Capital One Auto Finance on XX/XX/2023. My encounter with your company has raised significant concerns, which I believe warrant immediate attention and resolution. 
My primary concern revolves around the manner in which my credit application was handled. I was shocked to discover that Capital One Auto Finance ran multiple hard inquiries on my credit report without obtaining my explicit consent. This not only had a detrimental impact on my credit score but also blatantly disregarded the standard industry practice of seeking customer consent before conducting such inquiries. This action reflects a lack of transparency and respect for customer rights. 
This experience has led me to believe that Capital One Auto Finance discriminated against me, primarily due to erroneous information on my credit report. 
I wish to emphasize that the negative reports on my credit history are false and do not accurately reflect my true financial standing. The Equal Credit Opportunity Act makes it illegal for creditors to discriminate against the consumer, in light of these inaccuracies, is nothing short of discriminatory. I had expected a fair and impartial evaluation of my loan application, not one influenced by inaccurate data. 

I kindly request that Capital One Auto Finance conducts a thorough investigation into the mishandling of my credit application, including the unauthorized hard inquiries and the discriminatory actions. It is essential for your company to rectify these issues promptly to ensure fairness and transparency in your lending practices. 
It is my sincere hope that Capital One Auto Finance will take appropriate steps to rectify these issues and improve its customer experience, as advertised, in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: ENOVA INTERNATIONAL, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Subject : Urgent Request for the Removal of Inaccurate Collection Account - Immediate Action Required Dear Consumer Financial Protection Bureau, I hope this message finds you well. I am writing to you today in my capacity as a consumer who has always maintained a perfect credit history. Recently, I received a concerning notification regarding a collections account that has been erroneously added to my XXXX credit report. The account in question is with " XXXX CASHNETUSA, '' and I wish to bring to your attention the serious issue at hand. 

Firstly, I must emphasize that this account does not belong to me. I have never had any dealings with " XXXX CASHNETUSA, '' nor have I ever authorized or initiated any financial transactions with this entity. Upon contacting " XXXX CASHNETUSA, '' they confirmed that an account was indeed opened using my Social Security number, but it was done without my knowledge or consent, and the account is not associated with my real name. 

This inaccurate and unauthorized account is not only damaging my previously impeccable credit history but also causing significant distress and concern. As a consumer, I understand my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), and I firmly believe that I should not be held accountable for this fraudulent account. 

In accordance with the Fair Credit Reporting Act, I am formally requesting the immediate removal of the following inaccurate and unauthorized collection account from my XXXX credit report : Account Type : Collection Account Name : XXXX CASHNETUSA Derogatory Amount : {$2300.00} I would like to draw your attention to the following provisions of the Fair Credit Reporting Act, which support my request for the removal of this erroneous account : 15 U.S.C. 1681 Section 602 A : This section affirms my right to privacy and protection from false or misleading information on my credit report.

15 U.S.C. 1681 Section 604 A Section 2 : This section prohibits consumer reporting agencies from furnishing information about an account without the consumer 's written instructions. In this case, I have never provided any such instructions to include this account on my credit report. 

I kindly request your prompt intervention in this matter to ensure the removal of the erroneous collection account, " XXXX CASHNETUSA, '' from my XXXX credit report. This false information is causing undue harm to my creditworthiness and financial reputation. 

I would appreciate it if you could investigate this issue, communicate with XXXX and " XXXX CASHNETUSA, '' and take all necessary actions to rectify this situation immediately. 

Thank you for your prompt attention to this matter. I eagerly await your response and resolution of this issue, which is of utmost importance to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: Resurgent Capital Services L.P.
State: TX
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:
15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX XXXX XXXX is reporting this information.. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted Overview with the Internal Revenue Service against ALL entities involved will be filed if any and all derogatory information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: Experian Information Solutions Inc.
State: AZ
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 had multiple Hard credit checks that were fraudulently ran. 
I never authorized multiple hard credit checks and for the ones I recognize they were only supposed to be soft credit checks not hard inquiries. 
Experian is refusing to allow me to dispute them for fraud because they said its not associated with identity theft because I a disputing that they were not authorized as hard checks but rather soft inquiries. Also some were made in error and when calling the companies involved they had no issue with having them removed and informed me to initiate the dispute to dispute them with Experian to have them removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Since the initial claims were submitted, I have not been given XXXX solid reason as to why the claims were denied. The agents on the phone do not know anything and can not explain anything or guide along the process. I have also tried to send multiple rebuttals for each claim and they still have not been able to refund the fraudulent transactions on my account. It has been several months now and every time I speak with them over the phone, they have no idea what is going on. I have given sufficient evidence and explanation to support my claims and they have not requested any further documentation from me to support my claims. I have provided multiple documents including police reports, letter to FTC, documents showing proof of fraudulent bitcoin transactions, proof of identity, and many more.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-24
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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-08-21
Company: Experian Information Solutions Inc.
State: IL
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 absurd that I have consistently made timely payments for this account and have never been overdue. I kindly request that you promptly update my account to reflect this accurately.

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 2023-11-18
Company: ALLY FINANCIAL INC.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened an Ally Bank account to take advantage of the {$200.00} welcome bonus and to try the bank out. I met the direct deposit requirement, which they have confirmed multiple times. This was on XX/XX/. I was supposed to receive the bonus within 30 days. It is now close to a month later. I have called multiple times, been told its escalated, been told by their XXXX account I would be contacted, etc. I have not been. They only tell me its a busy promotion. Thats ridiculous. They have failed to live up to the agreement.

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 2023-10-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
In XXXX, I filed a CFPB Case : XXXX against Capital One in reference to an unauthorized inquiry. Capital responded in a letter that the hard inquiry will be removed. The inquiry has yet to be removed. I've contacted Capital One over the phone and didn't get resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/21 served a civil lawsuit notice. 
XX/XX/21 checked my credit report and this debt was not found anywhere on my report. 

I never knew this debt existed. I was never sent any collection notices. I was never called about this debt.

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