BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Capital One has closed my account with notification, warning, or apparent reason. This is very problematic because Capital One made material advertising that the account could be used to improve my credit. However, the opposite is true when Capital One arbitrarily closes the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: Experian Information Solutions 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 was not provide any documentation showing this is my debit. i open any inverstation with the credit companies and never receive any proof that this is my debit. But they are still reporting Account name XXXX XXXX XXXX Account number XXXXXXXXXXXXXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$6.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$6600.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Original balance {$6600.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX This letter below was sent to the three credit companies XX/XX/XXXX Dear : According to the fair Credit Act, Section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify through the physical verification of the original signed consumer contract- all accounts you post on a credit report. Otherwise, anyone paying for the reporting service could fax, mail, or e-mail a fraudulent account. 
I demand to see verifiable proof ( an original consumer contract with a signature on it ) you have on file of the account listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the account listed below. 
I demand the following accounts to be verified or removed immediately 1. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) Account # XXXX Unverified Account Please remove all non-account holding inquiries over 30 days. 
After you have finished my request, send me a copy of my credit report reflecting these changes. 
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 2022-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Transunion is showing that I work at XXXX XXXX  which I left in XXXX. Also It shows that I work at XXXX XXXX XX/XX/XXXX. I currently work for XXXX XXXX XXXX. I would like this information removed from 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 explanation
Consumer complaint received 2019-06-22
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Late payments reported for XXXX and XXXX in XXXX. 
I never received a bill requesting payment. I received a phone call from Navient informing me that I was behind on my payments and requesting a payment, which I notified the representative that I never received a bill and that if I would have received a bill I would had taken action to the matter to prevent late payments. Per Navient representative the bills were emailed to me, at this time the representative was informed that email was not my preferred method of communication as that time I did not own a computer, lap top nor smart phone and requested communication via U.S Postal Mail. During that phone call I informed Navient representative that I was unable to make any payments at that time as I was still looking for a job after graduating- ( assuming all calls are recorded ; this conversation may be audible though Navient 's recording system ). The representative recommended a deferment in which I took immediate action and completed all the requested paper work. On XX/XX/XXXX I mailed the Credit Bureau Management for Navient to dispute the late payments reported as I never received a paper bill. 
XX/XX/XXXX Attention : Credit Bureau Management Account # XXXX I am requesting that the delinquent payments reported to the three credit bureaus in XXXX, XXXX and XXXX of XXXX be removed due to the fact that I never received a bill requesting payment. I did receive a phone call some time after that requesting payment because they were late, in which I did tell the representative that I never received a bill. I then took action to apply for a deferment at that time. 




Sincerely, XXXX. 


I did not receive a response to my dispute, it wasn't until XX/XX/XXXX at XXXX when I contacted Navient to follow up with any results in which I was informed that my dispute had been resolved, that they disagree with me and that an email was sent to me with an explanation. I informed the representative that I never received and email then I was told to check my spam or contact my internet provider if I am not getting emails. I questioned why didn't I receive the explanation in the mail by paper, and that this is what happened with my initial bill in XXXX that I never received and that a representative was informed back in XXXX that my preferred method of contact was via U.S postal mail. I have checked all my emails-spam, inbox, deleted and still do not see an email from Navient with the dispute explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
Company: EQUIFAX, 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
XX/XX/2023 i woke up to two alerts from XXXX XXXX at XXXX XXXX  that there was an update on my credit report and a hard credit check was added to my report. 

i recieved two more alerts from Capitol One at XXXX XXXX  that my phone number was updated and i was appoved for a card despite never applying for XXXX. 

I recieved an alert from both XXXX at XXXX XXXX  and XXXX XXXX at XXXX XXXX  that there were new inquiries on my credit report so i need to report fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-16
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:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts from my report as soon as possible. They do not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sincerely request that you address this issue promptly, ensuring my account reflects the accurate information and relieving the unwarranted stress it has caused

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 2022-05-20
Company: TRUIST FINANCIAL CORPORATION
State: VA
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: Card was charged for something you did not purchase with the card

Complaint:
I was given a {$250.00} Visa Truist debit gift card from my mother for XXXX. Yesterday, XX/XX/XXXX, I tried to use it but first checked the balance to make sure the full balance was available. It was not. There were XXXX transactions made on XX/XX/2022 totaling {$240.00}. None of them were made by me. I do not recognize any of the company 's listed in the transaction history. I contacted Truist bank and they were not helpful. They said I had to contact each of the vendors and ask for the money back. I did not contact each company because some do not look like legit businesses to me. I have no idea how anyone was able to obtain the card number because I've never used it and it's been sitting in my home unused. 

The charges went to the following companies : 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 explanation
Consumer complaint received 2022-05-20
Company: EQUIFAX, INC.
State: TX
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 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

XXXX XXXX XXXX, XXXX. 
CREDITOR XXXX XXXX XXXX XXXX XXXX DATE ASSIGNED : XX/XX/2019 AMOUNT OWED : XXXX ACCOUNT NUMBER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. has violated my rights based on the above sections so stated within the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
Please see XXXX. XXXX finally sent the loan modification documents. However XXXX willfully and intentionally delayed the documents in order to take adverse action against me. My house was damaged in XX/XX/2022 by excessive wind and hail. The insurance check required XXXX to endorse it. However, they are refusing to endorse the check and release payment, due to them claiming my loan was delinquent. This is a direct result of XXXX refusing to comply with the modification in a timely manner in order take adverse action against me. Due to delays resulting from XXXX 's actions, I have now suffered financial damages due to materials price increases, and having to come up with {$21000.00} to pay for the roof out of pocket, which equates to {$5600.00} over insurance company 's settlement. This increase is a direct result of Freedom Mortgage refusing to comply with the loan modification in a timely manner.

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 2022-05-20
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I got a card at Macys it was {$100.00} I used to make the payments on time but I got layoff due XXXX and thats why I cant keep pay it, I dont have a job right 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 explanation
Consumer complaint received 2023-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
I have sent 2 certified letters validating they received my drivers license proving it's me disputing my credit report and disputed inquiries. They STILL HAVE REFUSED TO REMOVE 17 INQUIRIES FROM MY CREDIT REOPORT in the last 3 months. This is wasting my money and time. I want the 17 inquiries removed immediately. I have never known anyone to help someone else out and remove inquiries making send proof of identity. I dont know if they were being funny. But this is negatively effecting my credit score. They are fraudulent and/or unauthorized.

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 2022-05-20
Company: Georgia Student Finance Authority
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have a private student loan through Georgia Student Finance. On XX/XX/XXXX my loan was transferred to a collection company ( XXXX then to XXXX ). While with both companies I was in the loan rehab program paying {$300.00} per month for 11 months. In XXXX of XXXX, my file was suppose to transferred back to XXXX. When I called to get reinstated I was told that account went to another servicer and none of my payments were reflected. On XX/XX/XXXX I got a student loan interest statement stating I paid {$3400.00} in interest. The original balance of {$25000.00} is still being reported as delinquent and XXXX keep reporting to the credit bureaus monthly.

Company response to consumer: Untimely response
Consumer complaint received 2022-07-09
Company: EQUIFAX, INC.
State: TX
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 has made multiple unauthorized Inquiries on my credit report the following includes, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX. XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX. 
XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX. XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX. XXXX XXXX XXXX : XXXX. XXXX, XXXX. XXXX XXXX : XXXX. XXXX, XXXX. XXXX XXXX : XXXX. XXXX, XXXX. Remove all inaccurate inquiries I have listed immediately. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX has violated my rights by reporting late payments for the months XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, the following month need to be updated to payed in full. In accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX XXXX XXXXXXXX XXXX has violated my rights by reporting a fraudulent account from XXXX as an individually responsible charge off, thats entirely false in it if itself. I would like the account removed immediately. In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX has violated my rights by reporting a fraudulent account from XXXX as an individually responsible charge off, thats entirely false in it if itself. I would like the account removed immediately. 

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 response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, and XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

I have already disputed these items under sec. 609 of FCRA, but the bureaus did not remove them, nor prove validation.

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 explanation
Consumer complaint received 2023-01-16
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
My credit score is being damaged for unknown reasons, I am the creditor not the debtor I know that my autograph is the credit not the SSN that is my public office and I am the beneficiary to that SSN

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: EQUIFAX, INC.
State: MN
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 ( Acct # XXXX ), XXXX XXXX ( Acct # XXXX ), XXXX XXXX XXXX XXXX XXXX Acct # XXXX ) and XXXX XXXX ( Acct # XXXX ) are All closed accounts reporting on-going negative information after account closure. 
Siting Code 15-USC-1681a2 No written permission given. Also Siting XXXX v XXXX I presume no alleged debt nor therefore any such debt in fact therefore exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: Experian Information Solutions Inc.
State: IN
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: Problem with personal statement of dispute

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 2023-01-16
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/2021 Lakeview Loan Services gave us an escrow payout refund of {$3700.00} but had made a mistake. A entire year later without any notification they have been charging us {$450.00} extra every month for 12 months to fix their mistake. This type of error can easily put home owners in foreclosure if they cant pay almost {$500.00} extra per month for a year. Financial errors of this magnitude are financial irresponsible and a form of fraud and dishonest business practice no matter how common it may be. Its a scheme to attempt to repossess homes.

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 2022-05-20
Company: Experian Information Solutions Inc.
State: MI
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:
Upon reviewing my updates, incorrect information was found in my reports. The Experian Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reported on my Credit Reports : XXXX XXXX Balance : {$340.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Balance : {$490.00}

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