BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023 I deposited a check into a new account for XXXX and they put a hold on the check until XX/XX/2023 m, due to circumstances they were unable to make an outbound call the the entity that cashed the check, they refused to take any other form of verification and restricted my account cause me to be late on my bills and run the risk of my car being repossession and putting my living hood at risk as I might lose my job if I dont have a car or any access to my funds. The check 100 % will clear and not be returned but yet they still want to restrict my account and refuse to give me my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: Westlake Services, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Ive emailed them in XX/XX/2022 to remove the open loan off my credit because it is fraudulent I was told to file a complaint with FTC The loan amount is for {$13000.00} 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 2023-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
I XXXX XXXX they keep reporting me late I keep writing them theyre halfway communicating with me they dont have a phone number to be rich theyre not corresponding to any of my emails My account has a XXXX balance on them. Im paid up in full and they reported me late and when I ask them to correct it, they went and reported me 60 days late the next day to be funny. This company is purposely trying to mess up my credit 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 non-monetary relief
Consumer complaint received 2023-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 was a victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items : 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  Balance {$0.00} ; XXXX XXXX XXXXXXXX Balance {$5500.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/2022.

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 2022-05-26
Company: CITIBANK, N.A.
State: CA
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:
Our XXXX XXXX Credit Card ( XXXX ) ( XXXX ) from Citi was hacked sometime before XX/XX/2021. The hacker was able to create a FAKE Digital Account Number XXXX, and used it make 48 unauthorized transactions ( XXXX XXXX XXXX XXXX ), totaling {$3500.00}, with post date between XX/XX/2021 and XX/XX/2021, before locked out by Citi. I alerted Citi of the frauds by phone on 3 different occasions XXXX XXXX XXXX ). In response, they issued us 3 new credit cards ( XXXX, XXXX, XXXX ). Because of all the ongoing problems/disputes, we did not activate any of the new cards, and requested Citi to lock all 4 XXXX  until things get resolved. They issued security credits on15 fraudulent transactions but payed us back only on 12 of them ( XXXX XXXX XXXX  XXXX ). The last time we received an update notice from Citi on " We're looking into the transaction ( s ) you disputed '' was from XX/XX/XXXX. 2021 ( XXXX XXXX ). Nothing has happened so far yet!

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 2023-02-21
Company: Kriya Capital, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Every year about this time a debt collector contacts me and saying I owe XXXX XXXX XXXX {$10.00}, XXXX. I do this every year and it hurts my credit score. I want it permantly fixed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-16
Company: Experian Information Solutions Inc.
State: FL
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 accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 15 u.s.c 1681 section 602 A. States I have the right to privacy. 15 u.s.c 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, CA XXXX XX/XX/XXXX To whom it may concern : TransUnion XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Charge-Off [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ] Dear Sir/Madam, I am writing to dispute the charge-off listed on my credit report for [ XXXX ( XXXX ) - ( XXXX ) XXXX XXXX  - XXXX XXXX ]. I have carefully reviewed my credit report, and I believe that this information is inaccurate and misleading. I kindly request that you investigate and remove the charge-off from my credit report as it is negatively impacting my creditworthiness. 

I am disputing the charge-off for the following reasons : 1. Lack of Validity : The information regarding this charge-off has not been properly validated. I have previously requested documentation from the original creditor validating this debt, but they have failed to provide adequate proof of ownership and verification.

2. Inaccurate Reporting : I have identified discrepancies in the reported dates, amounts, and details associated with this charge-off. I have supporting evidence, including bank statements and correspondence, which contradict the information on my credit report.

Based on the Fair Credit Reporting Act, I request that you conduct a thorough investigation into the accuracy and legitimacy of this charge-off. Please provide me with copies of all documentation supporting the validity of this debt, including the original contract and any subsequent assignment or purchase agreements.

If you are unable to validate the debt within the allotted time frame or find inaccuracies in the reported information, I kindly request that you remove the charge-off from my credit report promptly. I emphasize that I am seeking fair and accurate reporting as mandated by the law.

Enclosed with this letter, please find copies of the relevant documents supporting my dispute, including correspondence with the original creditor and any relevant account statements. I appreciate your attention to this matter and your prompt resolution.

Please provide me with written confirmation once the investigation is complete, along with any updated credit reports reflecting the removal of the charge-off. Additionally, please inform me of any actions you have taken or plan to take regarding this dispute.

Thank you for your assistance in resolving this matter. I look forward to a swift and favorable resolution. 

Sincerely, 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 2023-06-21
Company: Merchants' Credit Guide Company
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
MERCHANTS CREDI/ XXXX # # # # # # XXXX CHARGE OFF is illegally accusing me of owing them {$1000.00} this account/debt was written off/canceled by the original party and sold to Merchants credit guide for a profit. I never had an agreement with Merchants credit guide. I also never recieved a 1099c form after the account was canceled by the original parties. By law, any debt canceled by the party is now considered INCOME. After a debt is canceled, the creditor may send you a Form 1099-C, Cancellation of Debt showing the amount of cancellation of debt and the date of cancellation, among other things. I NEVER RECEIVED THE 1099C EVEN THOUGH THE ORIGINAL CREDITOR HAS FILED TAXES ON THIS ACCOUNT AS A LOST AND COLLECTED COMPENSATION FROM MERCHANT CREDIT GUIDE TO RELEASE THE ACCOUNT. THAT IS ILLEGAL AND I WILL FILE CHARGES IF THIS ACCOUNT IS NOT REMOVED FROM MY CONSUMER REPORT. INCOME IS NOT APART OF A CONSUMER REPORT. I HAVE THE RIGHT TO CLAIM THIS ACCOUNT AS INCOME.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Remove late payment, collection, false hard inquiries

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 2022-12-06
Company: EQUIFAX, INC.
State: CO
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 was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX there is some inaccurate information reporting. 
XXXX Date of inquiry : XX/XX/2022 Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX  Date of inquiry : XX/XX/2022 Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/XXXX I applied for forbearance since my husband left me and I was not working at the time, loan care granted me 6 months. I also then started applying for a loan modification and have since gotten them docs requested and in a timely manner and the same docs so many repeated times.fast fwd to now XX/XX/XXXX and they have denied me a few times stating that my docs would expire and they have never sent me to and under writer because of this, I feel they are trying to get me to lose my house. I have every spoke to external emplyess that say they show they have all docs requested yet loan care still asks for my divorce decree and child support docs over and over along with other docs that never expire. My spoc. Is never reachable, never emails me back I have escalated this to a few different supervisors and no one ever calls me back. This company has been the worst mortgage services I have ever dealt with XXXX owning my home. This has been such a huge weight on my shoulders and seems no fixing in sight since they can just keep changing the rules of the game when I have complied with all they have asked and plenty more. Why is this so very difficult when I have tons of stress going on in life any ways and fear losing my home for me and my XXXX kids this frustrates me to no end and Im feeling hopeless.

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 2023-01-30
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2022-08-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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:
On XXXX XXXX I attempted to purchase airline tickets for an up coming XXXX Bonding trip from XXXX on XX/XX/2022 thru XX/XX/2022. I purchased using XXXX in which it was later cancelled due to declining it wouldve make my card limit wouldnt been over the daily purchase limit funds for {$1400.00}. On XX/XX/2022 XXXX  XXXX XXXX. they sent an email stating they can Cancellation : XXXX was indeed cancelled. On XX/XX/2022 about XXXXXXXX XXXX. I went the XXXX airport and stood in line 3 hour to purchase the ticket from an agent. I didnt inform the agent then that they cancelled my original reservations, and they should refund those funds. The agent didnt find anything so she couldnt cancel it either. I called Capital while at the counter to complete my transaction and see if the hold for {$940.00}. That email confirmation notice was via email. I at the airport and called Capital One to see if check my card had availability and it did. It was charged in the amounts of {$570.00} & {$210.00}. 15 minutes after the counter purchase with an agent one person decided not to go there XXXX refunded {$71.00} over the phone that same day. The Capital Once agent stated that {$940.00} should fall off and still had enough to repurchase the tickets while he was on the phone that day it was about XXXX. eastern standard time. Please refund my funds back to original form of credit card payment. XXXX is known for not wanting to refund after 24 hours. However, they had already done that and the lady at ticket counter didnt find flights that was done the night before as well. I urge you to please reconsider and return those funds back to card asap. I try ot keep my usage down or pay off within that same month. Im already dealing XXXX XXXX XXXX XXXX XXXX and grieving, Im XXXX and have XXXX issues that I take medication for. This has caused me more stress than I need right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: Square Inc
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Last night, on XXXX, XX/XX/XXXX. Somebody hack into my square hey account in used my virtual card information to make purchases on multiple Website. I contacted square immediately after I was made aware of these transactions and while they were still pending. They said they would get back in touch with me shortly and make sure to inform all merchants involved about the fraudulent activity that occurred so they wouldnt process the transactions. Well, upon checking my account this morning on Monday, XX/XX/XXXX. Square and all partys involved approved of 12+ transactions, consisting of nearly {$4000.00} to be completed. I am considering filing a lawsuit on every party involved with the criminal activity that took place. I will make a decision regarding this shortly. All parties involved that have already been verified and approved the transactions include XXXX XXXXXXXX XXXX, SQUARE. All other parties involved but didnt approve the transactions or still pending include CURRENT FINANCIAL INSTITUTION, XXXX XXXX XXXX XXXX XXXX and XXXX. Possible parties that might be involved but have not been confirmed include XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; that means it's illegal to put derogatory or late payments on my credit report it also is not open it's closed and there's a monthly balance stating XXXX dollars means it need to be corrected and updated the previous dispute you said it was accurate about me being the cosigner my signature is under the buyer that means this is fraud

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 2023-06-21
Company: Southwest Credit Systems, L.P.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am in receipt of a letter from Southwest Credit System informing me that they are handling the " collection '' of account # XXXX for {$160.00}. However, after reviewing my records, I am unable to find any documentation of any contractual relationship between Southwest Credit System & myself, legally listing you/your company as a person/company entitled to enforce a commercial claim against me. I mailed a letter demanding proof of contract to substantiate Southwest Credit System 's claim. I legally demanded you/your company to provide me with a certified copy of an original contract, BEARING MY WET SIGNATURE, specifically naming the above company as a person entitled to enforce a commercial claim against me. My legally demanded requested information was ignored and Southwest Credit System continues to report this fraudulent ( on Southwest Credit System 's behalf ) and unverifiable item on my XXXX, XXXX and XXXX reports. Southwest Credit System has yet to provide a underlying credit agreement, no proof of ownership and provided no legal basis to report " late payments '' or any information to consumer reporting agencies. As a ramification due to this fraudulent account on ( Southwest Credit System 's behalf ), I was discriminated against & denied my right to be extended credit. Nevertheless, I have suffered emotional and mental stress because of this false and negative credit bureau reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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:
My mother paid off an entire bill when it was due last month and still got charged interest or late fees How can that be? ( we had joint accounts because I was repairing my credit ) I was making monthly payments as well but Capitol One kept telling my mother that no payments were made for months, ( my bank statements will verify this is not true ) We requested for the account to be closed permanently and was charged a fee. Capital One has the worse customer service, banking issues and credit account problems. Capital One uses a call center with most of the customer service people didn't understand what I was saying and kept putting me on hold, a manager I spoke to wasn't helpful. I want this account CLOSED, my mother called several times and yet this account is still open. I called but was told since I am not the primary account holder I can not closed the account. This account is still open. 

How many phone calls and complaints does a person need to make in order to close a credit card???? 
My mother and I have called to close this account and to no avail late fees/ interests were charge after it was paid off.

Company response to consumer: Closed with explanation