BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
An unauthorized charged was made on my Capital One credit card from XXXX XXXX. When I noticed about 2 days later I contacted the company who told me that I had to cancel and didn't want to return my money back. This service was not used and told them I purchased this service for only 1 year and never authorized them to charge my card on a yearly basis especially when I was never notified. I called the credit card company and filed a complaint about XXXX XXXX illegally charging my account. And I also told them to close my account and issue me a new credit card. They did. They requested information from XXXX XXXX which cleary stated that " customer did not use service but didn't call us to cancel ''. I called them and they keep giving me the run around since last year.. Capital One then told me that I should settle my case myself since I " willingly give my credit card information to them '' that they had the right to change me. I presented them a letter which stated i did not authorize XXXX XXXX to use my credit card. Then Capital One went ahead and replaced the charges on my new credit card and refused to give me my money back. Theh keep referring me back to XXXX XXXX and XXXX XXXX keeps referring me back to Capital One. This is the worse credit card company that prey on law-abiding citizens that has no morals nor ethics.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-15
Company: WELLS FARGO & COMPANY
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX XXXX have submitted multiple fraudulent cases against me through XXXX XXXX Court. The first case docket # XXXX XXXXXXXX XXXX for a credit card i never had and Wells Fargo XXXX XXXX i contacted them when i received a wage execution and I informed them this account doesn't belong to me and i never lived at that address. I was the victim of ID thief several times I was sent a packet and affidavit which i completed and sent a copy of the police report certified return receipt mail which i did get back and XXXX said they dont have it i told her someone signed for it and they still continued to harass me and try to garnish my wages. Fast forward this company sent me another wage garnishment for another account now with Wells Fargo that also doesn't belong to me, I called the office spoke with XXXX XXXX and explained to her i sent everything they requested from the first case forward it to this new case. I lived at the same address for XXXX and has never received not one notice from them other than the wage execution notice. Which is strange because they have my correct address. Every 6 months to a year im fighting the courts for these random judgements from different NJ counties and im not aware they even exist and when you contact these companies your victimized and treated like a criminal. All my reports are frozen and somehow the fraud manages to get through. Here i am again spending money to file motions to prove I'm the victim and the courts collect the filing fees and allow these debt collectors to file motion without proof is ridiculous. I think these debt collectors are doing name searches instead of doing due diligence. It doesn't belong to me. I am the victim.

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 2022-04-10
Company: EQUIFAX, INC.
State: NC
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:
i received a copy of my credit report and noticed there is information reporting that i have no relation to. My information has been exposed in a data breach and has been misused without my permission. I have contacted my attorney who plans to assist me in this matter shall these items not be removed from my credit report. Under fcra 605b, fcra 609e, this information must be permanently deleted from my credit report within 4 business days of receipt of this information. I will be following up with each agency to ensure that this matter is taking care of promptly. Please add a extended fraud alert to my credit profile and contact me before opening any accounts XXXX the following accounts are accounts that have no relation to me : XXXX XXXX # XXXX {$440.00}, XXXX XXXX # XXXX {$390.00}, XXXX XXXX # XXXX {$51.00}, XXXX # XXXX {$110.00}, collection account # XXXX {$17.00}, XXXX XXXX # XXXX {$1000.00}, XXXX XXXX # XXXX {$320.00},

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: Experian Information Solutions Inc.
State: MA
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:
Dear Mgr ; How are you? Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate ( XXXX # XXXX )? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

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 2023-11-28
Company: CITIBANK, N.A.
State: TX
Product: Credit 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:
A duffle bag was purchased from the company XXXX for {$85.00} on XX/XX/XXXX, but was never sent. The company stated they would provide tracking information when the bag was shipped, they never did. The company ceased to response to all of my efforts to reach out to them. I attempted to contact them XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX with no response ever received. I filed a dispute with my credit card company, Citi Bank, on XXXX when it was clear that the merchant had no intent of providing the product I purchased. They contacted the merchant on XXXX and the merchant did not respond until XX/XX/XXXX. The dispute was resolved in the merchants favor on XX/XX/XXXX, leaving me to still pay for the unreceived product. Citi Bank never asked for any supporting documentation from me, showing that I never received the product and tried multiple times to reach out to the merchant.

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 2023-02-15
Company: Mid-South Adjustment Co., Inc.
State: CA
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:
i received a letter in the mail from Mid-South Adjustment Co., they said I owe money to The Department Of Veteran 's Affairs. My federal tax refund went to them not me, {$200.00}.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: SLM CORPORATION
State: CT
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Good evening, I contacted Sallie Mae XX/XX/2022 to request for a loan modification that Sallie Mae suggested that I take as I had just lost my job. They said they could not help me because I was NOT in a financial hardship yet and to try calling back in a month. As I have been trying to contact Sallie Mae for the last 3 days which are XXXX XXXX, XXXX, XXXX around XXXX each day, I'm getting a recording indicating to call back between normal business hours between XXXX & XXXX XXXX  Eastern standard time. I live in Connecticut and was calling hours before they closed. I need to get in touch with them as every day that goes by my credit report is taking a hit. 
Thank you for your time and attention in this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: Santander Consumer USA Holdings Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/22, I sent a letter regarding inaccurate things on my credit report til this day over 30 days later. I have not received a response yet. I think I am being ignored on my disputes by my auto loan company. Section 611 ( a ), it states that a failure to investigate items within 30 days gives a reason to remove immediately from my credit report and it has been over 30 days so they should be deleted promptly. I demand these late payments be updated or will file for litigation. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person and they are currently being investigated by the FTC. I have attached the following documents : my ID, my social security card, and original disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: Experian Information Solutions Inc.
State: NY
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:
Time has already passed but up until now, I havent heard any kind of response from the 3 Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. However, if they failed to do so, they are obliged to remove the account which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the account I am concerned of : 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 2023-11-28
Company: Experian Information Solutions Inc.
State: TX
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:
The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
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 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 non-monetary relief
Consumer complaint received 2022-03-01
Company: CAVALRY INVESTMENTS, LLC
State: NY
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 am filling this CFPB complaint for collection account CAVALRY PORT account number XXXX. It was XXXX of XXXX when I started to see and dispute this account. In XX/XX/XXXX, the reported balance in this account was {$4000.00}. And after a few months of monitoring my account I noticed that every month the balance is getting higher. From the initial balance of {$4000.00} In XX/XX/XXXX now XX/XX/XXXX the balance reported went to {$4300.00}. First, I dont know this agency and I never signed any agreement to pay anyone extra fee or money in this account. I am very upset seeing the changes in the balance to the account I am not even aware of. In just a year CAVALRY PORT was able to add {$310.00} to this account. In XX/XX/XXXX I wrote directly to CAVALRY PORT to request for validation of debt to see what contract I have from them but until now I havent received anything from them. CAVALRY PORT failed to provide me validation of debt and failed to prove that the balance they are reporting is accurate. I was not given a choice but to file this complaint because I might not know how much more they can add and try to collect from me. I need the original agreement of this account and I need to get a response regarding this concern. Because of these violations, I am expecting this account to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: SLM CORPORATION
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: Investigation took more than 30 days

Complaint:
Based on explanation you provided in previous complaint ( complaint is attached ), your financial institution stated on the record that you engaged in discrimination based on place of origin and my application for loan was denied based on discrimination. 
My original question of the complaint was clearly stated : If the Sallie Mae was engaged in discrimination. 

Your answer on record was : We do not discriminate against applicants regarding any aspect of the credit transaction on a prohibited basis. 

And I want to emphasize this quote : PROHIBITED BASIS this is word game, Because this is antonym of this word is PERMITTED, ALLOWED which leads us to conclusion that you still engage in Allowed Discrimination. 
My conclusion is : Yes I was discriminated based on allowed/permitted discrimination, but it doesnt change the narrative, because it is still counted as discrimination. 

Your actions is hurting my feelings, my well being and its violates United Nations Declaration of Human Rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
Company: EQUIFAX, 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: Experian Information Solutions Inc.
State: CA
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 sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

Company response to consumer: In progress
Consumer complaint received 2022-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
XXXX XXXX XXXX XXXX. XXXX # XXXX. 
I HAVE FEW IN ACCURACY IN MY CREDIT REPORT. I TRY XXXX FIX WITH MY ALL XXXX CREDIT BUREAUS BUT THE SAID THAT ITS CORRECT.

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 2023-11-28
Company: Experian Information Solutions Inc.
State: TX
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 3 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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 2023-01-19
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I submitted a dispute to have account removed from my credit report and all negative information associated with the account. I requested this on XX/XX/2022 under the debt bondage repair act as I am a XXXX XXXX XXXX. I submitted my dispute via XXXX XXXX and it lost as under review this is beyond the allotted timeframe the agency has to remove the information according to law. A consumer reporting agency must block adverse information within four business days of receiving a consumers submission. 
A consumer reporting agency must notify the consumer within five business days of receiving a consumers submission if additional information is necessary to complete the submission or if any of the required documentation is missing. 
Consumer reporting agency requests regarding additional or missing information are limited to situations where : the consumer reporting agency can not reasonably confirm the consumers ( or consumer representatives ) appropriate proof of identity ; the consumer did not provide a victim determination ; or the consumer reporting agency can not properly identify the adverse items of information. 
A consumer reporting agency does not have discretion to challenge a consumers determination that an adverse item of 1022.142 ( e ) ( 1 ) They did not reach out to me within 5 days nor did they remove the information within 4 days so I could move on to my other disputes one at a time. This is a direct violation of my rights as a victim of trafficking and consumer and federal law. I want this information removed so I may continue my other disputes and regain my freedom and life.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
I have recently been informed that there is a negative information reported by XXXX, XXXX and Transunion in the file they maintain under my social security number. 
I challenge the accuracy and compliance of this listing. I have requested that the reporting company verify the accuracy of the information disputed, but failed.. I request that you take further action. Either send me evidentiary documentation supporting your verification or delete the accounts from my credit report within thirty days XXXX XXXX XXXX reported as 30-60 days late, XXXX  XXXX XXXX  ( transferred/sold account ), XXXX/XXXX - reported charge off, XXXX XXXX/XXXX - reported closed/late account, XXXX/XXXX reported as open an account/transferred

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: LEXISNEXIS
State: NJ
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:
i recieved a letter from my insurance company that credit check from lexis nexis adversly affected my rates attempted to get the report for over two months now twice they have said its in the mail its not

Company response to consumer: Closed with explanation