BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-17
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:
Capital one is double billing me for something that XXXX decided to give as a courtesy for lying about the hotel room received when booking online. The hotel advertised one image and put me in a complete different room. 

XXXX gave a {$91.00} credit and for some reason CAPITAL ONE has removed that charge from my account. 

See attached screenshot from better business bureau complaint where it shows the XXXX office of XXXX sent the credit to my account. 

This credit had nothing to do with dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17
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: Account status incorrect

Complaint:
Credit Bureau is reporting inaccurate and fraudulent account information from XXXX XXXX XXXX. CFCB has current case # XXXX against XXXX for providing altered and fraudulent account statements from XXXX XXXX  XXXX XXXX In XX/XX/2019 XXXX XXXX XXXX  report that no money is owed to them and that XXXX XXXX surety bond pays the final amount due to them. Transunion and XXXX also keep reporting debt owed as a rental agency even though court documents with eviction dismissal, account documentation and rental reports pulled in 2019 show and have been provided several times show that no money is owed to any rental property. 

I have been filing complaints against this credit bureaus on this issue since XX/XX/2019 to no avail. 

I am providing legal documentation again : 1. Emails from XXXX XXXX XXXX that {$2800.00} for sure deposit and that {$0.00} is owed to XXXX. 
2. Recently pulled court documents stating eviction was dismissed in my favor and {$0.00} amount is due. 
3. Rental background report pulled in 2019 by realtor stating {$0.00} amount due to XXXX XXXX  XXXX XXXX 
4. Current investigation into XXXX submitting an altered and fraudulent account statements

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 2020-09-29
Company: Commonwealth Financial Systems, Inc.
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: Experian Information Solutions Inc.
State: IL
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over 719XXXXXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX  hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are XXXX consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX XXXX and XXXX That was after attempting to contact XXXX more than 21 times. XXXX is an XXXX company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX year old XXXX PLEASE HELP ME PLEASE im XXXX now.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-11
Company: Maximus Education, LLC dba Aidvantage
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
When I received my first email to begin paying Aid Advantage I tried to access my account. I dont have any login information from them, so I tried entering my SSN and birth date. The automated system told me this was incorrect. Ive tried many times calling Aid Advantage in an effort to access my account and have things fixed. I have sat on hold many times waiting to take to a representative. I am unable to get through to anyone and they dont give you an email address just a phone number for customer service issues such as this. It is impossible to reach anyone on the phone and I cant login to my account to begin payments. Now I am incurring a ridiculous amount of late fees even though I am unable to access my account due to their system errors with my SSN and birth date.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
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:
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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-06
Company: EQUIFAX, INC.
State: OH
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:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-18
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on NAVY FEDERAL CR UNION. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21
Company: STERLING JEWELERS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to KAY JEWELERS agency because I am having difficulties with buying a house and applying for new credit cards. I paid the charge-off and do not owe anything, but the mark in my credit reports prevents me from achieving the desired results. I am kindly requesting KAY JEWELERS agency to remove this ( charge-off from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
all three agencies not updating balances on a monthly basis and affecting scores, cant dispute online says to wait til updates which have been over a month since the last update. get run around called card agency states they have already sent to the credit agency. call credit agency they say call the creditor. also, the XXXX score process paid down credit card balances to almost nothing owed and credit score lost points. being penalized for paying seems like.

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 2023-08-14
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01
Company: TransferWise Ltd
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I opened my account this year on wise.com. My account got deactivated on XXXX XXXX for no reason communicated, and my XXXX $ got stuck on it. I applied for refund after that but no money was refunded till date. It's been about 5 months and after asking them many times, money has not been refunded to me. Please remove this website as they are using corrupt practices to steal people 's money. They are thieves that playing with people 's emotions and teasing them by looting them, and ignoring theirs emails after the SCAM.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16
Company: AFNI INC.
State: TX
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:
Hello, I am a victim of Identity theft. I have never once entered a consumer credit transaction with XXXX XXXX. Please refer to the attached documentation below. I tried to contact XXXX XXXX XXXX registered agent but I could not locate the applicable agent. Whats even more confusing is that it states that the account has been purchased by another lender. This maybe a mix up or a misunderstanding so im hoping we can resolve this now to prevent further legal proceedings.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I have sent letters to you requesting that you remove inaccurate, incomplete or unverifiable accounts from my credit file. To date you have failed to comply with the requirements of the Fair Credit Reporting Act by ignoring my requests. Be advised that I am considering filing a complaint with the FTC due to your noncompliance with the FCRA. I have kept all records of my communications with you, including the letters I have sent, proof of your receipt of the letters, and evidence of your noncompliance. It has been over 45 days since your receipt of my original request to investigate the remove the following accounts, and you have failed to comply with the FCRA. In good faith, I ask that you please reinvestigate the following items, and promptly remove inaccurate, incomplete or unverifiable accounts : I ask that you remove the following unauthorized inquiries that remains on my credit report. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 6 ), I also request that you provide a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. By law, this information must be provided to me within 5 business days after the completion of the reinvestigation.I DO NOT CONSENT TO E-OSCAR FOR VERIFICATION.

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 2023-02-14
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My former apartment complex, The XXXX, sent me my move out statement that showed I didn't owe them anything after my move out on XX/XX/2022. I was also told by the office that if I should owe a balance they would allow me 30 days to pay the amount owed before sending to collections. Less than two weeks after the initial statement showing nothing was owed to them, I was sent to collections for an amount over {$500.00} and was not notified until my new apartment complex manager let me know that my previous apartment complex had just called her to try and keep me from getting an apartment at my new complex claiming I owed them money despite the statement I had from them showing I didn't. Then a few days later I received a collection letter from PCI ( ProCollect ) stating I had been reported for debt collection and that I could dispute or ask for validation of the debt. On XX/XX/2022 I went to the ProCollect website and completed their contact us form with my reference number provided in the letter and I disputed the debt and asked to be contacted. I never heard back from ProCollect despite my attempt to establish contact to discuss the collection attempt so I could provide my documentation and the slander that was attempted by the apartment manager in trying to keep me from getting a new apartment for me and my XXXX children as a single mom that was not notified and given false information by my former apartment management. I receive several calls from them but they never respond when I answer the phone and instead the call disconnects. They are reporting to my credit report and it doesn't seem right considering I had made attempt to dispute the debt and reach a resolution with ProCollect.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02
Company: AMERICAN EXPRESS COMPANY
State: MI
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:
My identity is stolen and someone somewhere is using it to apply for XXXX, American express and XXXX XXXXXXXX credit card as me. It seems they have collected a loan from XXXX and trying to create bank accounts using my information. I have received alert from experian of hard credit inquiries which is affecting my credit score badly. Please I need help. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-02
Company: OneMain Finance Corporation
State: FL
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 went on my credit report and I have some. Unauthorized hard inquiries that I did not authorize. I called the company they say they didn't see where I applied for any loans, but didn't take it off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There has been a delay in getting answers and a resolution regarding my Equifax settlement funds. During my call on XX/XX/XXXX, I asked the representative for the date the check was sent out and tracking number so I can provide the information to authorities. The representative at XXXX was not able to provide me with this information. I asked for a supervisor and was told 'the supervisors are busy '. 

I asked if they had another number they can provide me and was told there was no other number for their court appointed equifax settlement department. I was told another inquiry would be put in and I would receive a call back from XXXX but was not told when I would receive a call back or who would be calling me stating they can not provide me with any supervisors names in the Equifax specialized department. 

I was told a representative called me on XX/XX/XXXX ; however, my records do not show a phone call from XXXX. When I asked if the supervisor would be using a different number to call back I was told the only number used by their supervisor is XXXX which is an answering service. I was told that scheduling a call back was not possible. 

Upon requesting the date the check was mailed out, tracking information and confirmation a stop payment was placed on the check ; I was told the inquiry would be escalated to the administrator ( with no name or contact number ) - again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: Experian Information Solutions Inc.
State: GA
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 am not a co-signer on this loan XXXX XXXX XXXX and this needs to be removed from 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 explanation
Consumer complaint received 2023-12-02
Company: Early Warning Services, LLC
State: FL
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: Investigation took more than 30 days

Complaint:
Happy Day, I have been trying to get my information removed from Early warning as I have called and spoken with XXXX multiple times over the years as well as stopped by several branches since XX/XX/. I have spoken with the risk department, customer service, management, and collections via phone. I do not have any outstanding accounts with this company. I do not owe any money to this company. I was not able to get any documents from early warning or any other reporting agency verifying what is owed or any account information. XXXX has also stated on their recorded line they do not have my social, name, email, phone or address linked to any account. I love XXXX, however this is affecting my ability to use and maintain my actual bank as well as open other accounts. I have managed by other means as this matter has taken a back seat until recently. I was unaware I can not use my XXXX XXXX  benefits or open additional accounts as needed. All my accounts are restricted. I am only filing a complaint because I would love to get this resolved. I am only asking to be removed from early warning as I have been trying to figure out what account needs to be addressed and this has not been provided in the last 2 years which far exceeds the 30 day limit for a response, so I am bringing it here. I am led to believe this was simply a technical error, which is fine as long as it gets corrected. I need to maintain my financial health in order to maintain the health of my home. The company itself is awesome but I am kind of stuck due to this misunderstanding. My partner has recently become paralyzed due to a horrible accident, my financial situation has changed and I really need this resolved so I can support my household during this difficult time. Thank you for any assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
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: Account status incorrect

Complaint:
If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and

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