BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-06
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$580.00} XXXX XXXX Balance : {$14000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$10000.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  ) XXXX XXXX : {$440.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$450.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2020-12-29
Company: Experian Information Solutions Inc.
State: IL
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:
On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-11-14
Company: USCB, Inc.
State: MN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I went to the urgent care for a possible hernia. The event occured at work but the billing did not process it through worker compensation. 

I went to XXXX permanente office in XXXX to resolve the issue and submitted the proper paperwork in person where I was assured the issue was resolved. 

A balance still appeared on my account when I inquired with billing team they assured me again the issue has been resolved. I did not receive any bills for this balance until I switched insurances and moved to a different state. When billing approached me about the balance I explained to them that the balance was in error and I was assured by their representative that the balance was in error. They did not take any action to resolve this issue. 

They passed this balance onto a debt collection agency without any communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I tried to pay my XXXX XXXX XXXX card on line ... My info was lock, I called the number provided but its a third world country with a broken XXXX. speaking person who I can't communicate with or het my problem resolved ... two weeks later I was still having the same problem so ... .. so I wrote a personal check cut up my card and included a note telling the company of my displeasure and no assistance that could help and suggesting they XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... ..this caused CITIBANK to get upset and refuse my payment which will be late as of XXXX XX/XX/2023. I sent a payment of {$990.00} via check but over a week later they refuse to cash it and close out my account .... I now assume they will delay and delay and charge me a late fee and ding my credit report which should be illegal.I have warned the Company of my report to the FTC and a possible law suit in response to their refusal to accept my payment..... Just wanted a paper trail so when they do their dirty deed I have proof of my attempt to settle my account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: PNC Bank N.A.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Problem with customer service

Complaint:
My mother died on XX/XX/2023. I have been hassiling with pnc bank to get my share of an inheritance from an ira held by pnc bank. I have filled 4 or 5 different forms they keep coming back with excusses as to why they can not disperse the money. The lasI have recieved lie after lie from a woman named XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-13
Company: Alliance Collection Agencies, Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Alliance continues to harass by sending letters after letters without providing what is needed. I have requested many times to provide me with what is the logical under the Fair Debt Collection Practices Act ( FDCPA ). As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. They continue to ignore the request. As of today, my credit bureaus are showing this company violating the Fair Debt Collection Practices Act. I requested validation of the debt and instead, they send the information to the collection agencies ( XXXX, XXXX & XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital one bank NA XXXX XXXX XXXX XXXX XXXX XXXX Capital onXXXX XXXX XXXX XXXX XXXX I request that these inquiries be removed from my report because were not authorized

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit reporting 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:
the other day I checked my credit report to see 5 unauthorized credit inquries on my account that I did not request or authorize and I don't know who made these inquries

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: AMERICAN HONDA FINANCE CORP
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I am a victim of identity theft and a fraudulent car loan was opened in my name to obtain credit!!!! The account is not mine and needs to be cleared out and removed from my credit report and Honda system

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I want to draw your attention on these accounts which are erroneously being reported as late payments on my credit report, despite the fact that I have consistently been a responsible and long-standing customer with a history of on-time payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XXXX XXXX, XXXX my payment that was scheduled in the amount of {$39.00} posted and was later returned due to insufficient funds. The lack of funds was due to the error by The Clearing House, which is the private operator of the Automated Clearing House payments system that works with the National Federal Reserve. 

The Federal Reserve worked very slowly with banks to rectify the situation and pay those who were affected and whose direct deposits did not get deposited as expected. My bank just rectified the situation, on XXXX XXXX, XXXX and the paycheck that was missing was finally deposited into my account. 

Capital One is charging me a {$29.00} fee and no one can remove it. I called on XX/XX/XXXX at approximately XXXX. This recent inability to access my funds in my checking account was not my fault or my banks fault. It was an error on a larger national level and I feel I should not be penalized by overdraft fees, late fees or other penalties. It was the error at the national level with The Clearing House and the Federal Reserve.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting 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:
I did not give anyone working for these businesses permission to access my credit record or conduct any credit checks. 


XXXX XXXX XXXX Date of Inquiry : XX/XX/2023 XXXX. XXXX XXXX XXXX Date of Inquiry : XX/XX/2023 XXXX. XXXX Date of Inquiry : XX/XX/2023 XXXX. XXXX XXXX  Date of Inquiry : XX/XX/2023 XXXXXXXX XXXX Date of Inquiry : XX/XX/2023 This is a grave infringement of my privacy rights and a violation of Sectio

n 1681b ( c ) of the Fair Credit Reporting Act. Please confirm this information with these companies, and provide me copies of any paperwork related to these accounts with my signed authorization for an inquiry. I formally request that you remove these bogus inquiries from the credit file you keep for my Social Security number right away in the absence of any such paperwork with my signature on it. As per Section 611 of the Fair Credit Reporting Act, you have 30 days to finish this investigation.

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 2023-11-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Capitol One wasnt giving me credit for my on time payments and properly transferring funds on time causing my credit unions to charge me over draft fees which lowered my credit score.Also I paid off a previous card balance and they restricted the account after I paid the balance in full.My score dropped over XXXX because of this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: Experian Information Solutions Inc.
State: LA
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:
As of XX/XX/2023, medical debt collections under {$500.00} can no longer be reported to the credit bureaus. I demand that the listed debt be removed from my credit report. 

Account # 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 2021-01-09
Company: EQUIFAX, INC.
State: IL
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: Problem canceling credit monitoring or identify theft protection service

Complaint:
In XX/XX/2020 I put two disputes with the three major consumer reporting companies, XXXX XXXX, XXXX, equifax, for accounts XXXX XXXX, and XXXX XXXX MasterCard, both details are listed in photos below. My problem is the reporting agencies never responded to my disputes except for XXXX XXXX deleting XXXX XXXX, but the other agencies didnt respond nor did XXXX XXXX respond to XXXX XXXX. In XXXX I put a demand to respond to my request again no response ... Please delete both XXXX XXXX and XXXX XXXX from Consumer reports, this is my request that the CFPB so action

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09
Company: CITIBANK, N.A.
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:
I have Filed a dispute in regards to incorrect items on my XXXX  credit Report. it has been well over 30 days and i haven't received any investigation results.

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 2023-11-19
Company: BARCLAYS BANK DELAWARE
State: NJ
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 have try to find a common ground on a dispute with XXXX and also requested on reinvestigation with XXXX and got to the point where they don't respond and haven't since the last 60 days from 2 past disputes numerous disputes have been submitted for this account with no compliance with FCRA requirements. On XX/XX/2022 I sent Barclays a 1099C and they never responded as well. At this point I'm not getting any answers from XXXX nor BARCLAYS BANK DELAWARE. I have sent the attached supporting documents demanding to delete this account since they have not answered back at all with timely fashion correspondence. Please remove this account from my XXXX consumer report.

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 2023-09-25
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: Account information incorrect

Complaint:
My student loans were forgiven under the XXXX plans on XX/XX/XXXX. The balance was reduced to zero and status was paid in full. This showed on their website and on a Mortgage Verification letter. I waited the normal cadence for XXXX, which according to the historical reporting was the final day of the month. No updates were made. I disputed with all XXXX major bureaus and even after an investigation by XXXX, they still claim my balance is over $ XXXX and not closed as paid in full, in spite of I formation o t heir website and on the mortgage verification letter for potential lenders.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
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:
I was in the hospital and missed my credit card payment because I was unable to log in and change my bank account info. When I paid my bill in full using my debit card, I noticed that the app said my count was restricted. 

I called to ask how to unrestrict and they said I could not do it because they closed my account. They said there was nothing that I could do. 

I paid the bill in full that day. Now I am being charged interest? So now the want another {$7.00}. Why am I being charged interest on an account paid in full and that they closed? If I had deleted the app, I wouldnt have known they added on more interest after I har already paid in full. 

I believe they should remove the interest and that my credit report should not be negatively impacted. I called 3 times about the original issue and was denied an issue escalation because they said reopening an account was impossible. I should be allowed to speak to a supervisor and escalate an issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-09
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Credit companies are not giving credit out to people who deserve it. It is not fair I am being rejected credit when my XXXX XXXX is XXXX and I can't even obtain a store credit card. My own car dealership was like your credit is good, what are you so worried about? These companies are not using the same report or they are simply rejecting everyone credit. This is not fair to Americans who are trying to get ahead and are simply being rejected for generic reasons. I spoke with XXXX XXXX at Synchrony bank and she was of absolutely no help. These banks are not using the same credit reports that everyone else is

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 2023-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 15 U.S.C 1681 section 602 A. States/ 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 16818-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate.

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 2019-07-24
Company: EQUIFAX, INC.
State: CA
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:
Through annualcreditreport, I purchased the Equifax XXXX credit score for {$7.00},  however, the website instructed me to call Equifax customer service. After calling Equifax and speaking with 3 different people, they told me 1 ) the credit score was emailed to me but I never received it and 2 ) a Supervisor finally told me there is no such product. My credit card was charged 3  times by Equifax and yet they are saying there is no such thing. I am still unable to access my credit score with them. Checking my credit score using XXXX, Equifax shows they dropped my credit score by 78 points with 5 good changes of on-time payments that decreased my balances and one increase of {$32.00}  on a store credit card. This drastic drop on my credit score for a {$32.00} increase on one card seems horribly wrong! Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01
Company: SYNCHRONY FINANCIAL
State: CA
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:
I submitted an online payment of {$200.00}. to my Care Credit account managed by Synchrony bank on XX/XX/2019. After my account closing date, I received notice of no payment received. I immediately contacted Synchrony Customer Service they claimed the {$200.00}. payment was never received. I was forced to make a double payment to keep my account in good standing, then I disputed the non-payment issue immediately. Some how Synchrony Bank has lost the {$200.00}, and will neither refund it or apply it to my account, because they dont see where it went. I have submitted the information from my credit union, XXXX, showing that the electronic payment was sent and received by Synchrony Bank. While XXXX XXXX XXXX researched the matter, tooth the customer service manager and our local branch manager noticed that in the history of our payments to several different cards, Gap, Walmart, and Care Credit cards all held by Synchrony were bearing the same ACH number. XXXX managers both stated that this is highly irregular and was suspicious, as each individual credit card payment should bear its own ACH number. Synchrony also ran my credit right after my complaint and slashed my credit line down to the point it affected my credit score. They did a similar action to my wife several months ago, affecting her score as well. I feel Synchrony bank is practicing unfair and possibly illegal credit operations. I am again, faxing more information to them today, however, 3 months have passed and I doubt there will be resolution. I would like to either have the monies refunded to me with the same interest they charge me or the same be applied to my Care Credit Account. Thank you for your assistance. 
Respectfully, 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 monetary relief