BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-05
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
4 months on end I have attempted to get these three credit bureaus to erase inquiries from Capital One that I never initiated. They have turned the Blind Eye to both an FTC report and a cfpb complaint. I was a victim of the XXXX in 2017 and have struggled ever since and repairing what is an ongoing spiral of my credit history and I would appreciate it if this XXXX XXXX paid attention to the fcra and the rules of government. Most importantly 640b in regards to identity theft in the rules surrounding those incidences. Please remove the Capital One

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: HW Holding, 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 information incorrect

Complaint:
I have sent this collections creditor two letters asking for full validation of the debt that they are trying to collect from me and reporting against me on the credit reports. I have a right to understand the charges being held against me. To date, I've yet to receive any answer, but yet they are allowed to be reporting against me on the credit report, whether the information is right or wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
On XX/XX/2021 I sent a letter to XXXX  informing them that they had incorrect information listed as my name and Address. 

on XX/XX/2021 I sent a second letter as I have received no response and the information is still listed incorrectly

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25
Company: EQUIFAX, 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:
Upon receiving recent notices that I've been the victim of identify fraud, I started retrieving and reviewing my credit reports for errors. As such, I've noticed a few items that are completely incorrect in their status reporting or they are simply not mine. These have been previously requested to be disputed and either no response was provided andor no action was take as I've been told that the information was previously investigated. 

The credit item in question that's presently reporting as Paid Collections under the name XXXX. This item is reporting on all three of my reports. 

Then something called XXXX XXXX XXXX is reporting only on my XXXX report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-09
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:
On SundayXX/XX/2023 I awoke to notifications from my credit monitoring service that there were new late payments being shown on my credit report on all three bureaus (Transunion, XXXX XXXX.) from XXXX servicer.  I quickly checked my account and found that it was in good order on line.  This has caused my credit score to drop XXXX points and is making approvals difficult.  

I am not late.  Even though I have been making payments, at the moment, all payments are paused by the Cares Act, specifically addressing how credit reporting will be done:

d) REPORTING TO CONSUMER REPORTING AGENCIES.During 
the period in which the Secretary suspends payments on a loan 
under subsection (a), the Secretary shall ensure that, for the purpose of reporting information about the loan to a consumer reporting 
agency, any payment that has been suspended is treated as if 
it were a regularly scheduled payment made by a borrower. 

I hope that his is taken care of by Nelnet, but retain my right to litigate if necessary.

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 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
15 usc 1681i ( 5 ) The reseller determined that the item of the information is incomplete or in accurate as a result of an act or omission of the reseller, not later than 20 days. 

Remove late payments XXXX  XXXX XXXXXXXX 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 2023-05-30
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 non-monetary relief
Consumer complaint received 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
i pulled my credit report recently and notice unauthorized inquiries from the following companies. 

XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/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 2022-07-07
Company: CL Holdings LLC
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 information incorrect

Complaint:
I have sent this collections creditor two letters asking for full validation of the debt that they are trying to collect from me and reporting against me on the credit reports. I have a right to understand the charges being held against me. To date, I've yet to receive any answer, but yet they are allowed to be reporting against me on the credit report, whether the information is right or wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
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:
On XX/XX/XXXX we became aware that someone had ordered a copy of my credit card to be sent to NY, a state I don't live in nor have ever lived in. I called CapitalOne right away and told them to cancel the card. They agreed to cancel that card and issue a new card with a new number. I also complained about the {$16.00} " Fast Card Fee '' and was assured that it would be refunded to the account. 

I never received a new card. The next thing I know I get a letter saying that they investigated for fraud and determined that there was no fraud and that I am responsible for the charges. I also received a bill for the same card number, which was never cancelled, with thousands of dollars charged to the card for transactions I do not recognize. Moreover, I received notice that they closed the account for violating the terms of the agreement, which damaged my credit score. 

I called CapitalOne again right away ( XX/XX/XXXX ) and asked why this was allowed to happen as I told them to cancel the card more than a month ago as soon as I realized someone had ordered a card fraudulently. No explanation. They agreed to open a case at that time and start investigating. 

It has now been over two weeks and I am still getting the run around. My account is still closed, my credit is still affected. None of this should have been allowed to happen. If CapitalOne had closed my card on XX/XX/XXXX as they said they would do, all of this could have been avoided. 

As if this weren't enough, CapitalOne claims that they did not send the first letter saying that they investigated and have no record of the case number on that letter. We called a phone number in that letter and gave the person on the phone sensitive information. I have twice sent this letter to CapitalOne 's abuse department for confirmation that it was indeed a fraudulent letter but they have not responded to that either

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-15
Company: FC HoldCo LLC
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
We requested a payment history from Flagship Credit Acceptance, this was sent showing payments through XX/XX/XXXX. The history was correct, the issue is when making a payment via the website it states we are currently paying on XXXX XXXX XXXX, 5 half month payments have been made since the payment history was sent which actually has the vehicle paid through the end of XX/XX/XXXX. I have contacted customer service multiple times only to be told that they have contacted thier back office team to look into the issue and it will take 30 days to resolve the issue. This issue has been going on for 2 months, which was the reason I requested the payment history to begin with, we were stuck paying payments on XXXX for 2 months, then it finally changed to XXXX. Based on the payment history they sent us amounts are being applied to principal and to interest. We aren't trying to make principal only payments, my wife works a XXXX XXXX  so she wants to make sure she is paid up ahead of time to take care of the months she doesn't work. Just to add one of the times customer did work through the payment history with me and stated that one of the half month payments was recieved but not applied to the account, this wouldn't fix the current issue but I don't understand how this happens either. I also noticed that the account number on the payment history doesn't match my actual account number on the website and I don't understand this either. I am extremely frustrated and concerned that all the payment my wife has made to get ahead have been a waste of time. When she is out of work and the website still says XXXX and she doesn't make a payment they will try to say she is in default when she really isn't.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04
Company: Experian Information Solutions Inc.
State: TN
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:
Hello, I have tried to resolve this with the bureaus and the bank, XXXX XXXX XXXX XXXX, and they either ignore me or try to push the problem to the other entity. 

What happened was that I opened an auto loan with XXXX XXXX right in the middle of COVID, and my account was never set up properly where I could link my normal bank account to the XXXX account to pay the bill. 

I couldn't go in and solve this problem because it was during the middle of Covid. At the time, everything was on lockdown, so I didn't have any funds in the account, and online, no way actually worked for my bank, XXXX, to link to XXXX for a bank to bank transfer. 

Therefore, they registered that I had missed two payments and was severely delinquent on my account. 

The lender I worked with never reached out to me to resolve the issue when I couldn't link my accounts with theirs to pay the bill when the bank branches were closed during covid, and the online website didn't work. 

I'm not asking for anything out of line or impossible to achieve ; I have even paid more than my fair share to the bank ahead of schedule in an attempt for them to correct their report. 

I am only asking for the false, derogatory marks to be removed. I think this is pretty understandable considering both parties are to blame and that I have already made up for the payments and added more. 

As far as other people are thinking about looking to get a loan with XXXX, I know they have lower rates, but they really have to work on their back end where they don't trash people 's credit if there is an error. 

I also do not appreciate the fact that I have called them multiple times and made efforts to reach their manager, and they either put me off or tried to push the problem on the bureaus or someone else instead of helping their customer. 

Hopefully, this helps resolve this issue and that something good can come from my situation.

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 2022-07-07
Company: National Credit Systems,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 information incorrect

Complaint:
I have sent this collections creditor two letters asking for full validation of the debt that they are trying to collect from me and reporting against me on the credit reports. I have a right to understand the charges being held against me. To date, I've yet to receive any answer, but yet they are allowed to be reporting against me on the credit report, whether the information is right or wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: GOLDMAN SACHS BANK USA
State: CT
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
My parent burned down on XXXX last year Apple spoke about hardship program but none was applied even tho my reason to call was to ask help. The bank changed the address too many time to vague address. Was advised to pay off my account and re apply rather to re open the account since my Apple XXXX was compromised. Today I was adviced to re apply twice. Already explained the bank the need to rectify my info or verify it, rather they said apply again 30 days from now when they know there need to verify my info since my credit is locked.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: CITIBANK, N.A.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Once again XXXX us reporting inaccurate information about this same lender Citi ( CBNA ). 
I am submitting the information fron the lender statement about my account as well XXXX credit report showing the wrong amount balance. The amount the are reporting isnt what i owe after statement was closed out. 
This is an on going scenario with XXXX and as a result i have lost a number of credit opporunities due to this. 
It seems like they dont take the time to really investigate, and my reporting to the CFPB seem wasteful. I take this seriously as i monitior my account daily and dont think this should be happpening to any consumer.

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 2023-02-22
Company: EQUIFAX, INC.
State: MO
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've been disputing the same information that has been deemed fraudulent on my behalf. The Consumer Reporting Agencies are not doing their jobs thoroughly. I've sent in FTC reports. I have not received any investigation consumer report from the CRA 's under 15 USC 1681a ( e ). Like why even exist if they're too lazy to follow the FCRA guidelines? But, instead of doing their investigation they're only just matching information which is not an investigation.

15 U.S. Code 1681c2 Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

( b ) Notification A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I just had 3 recent hard inquiries on my credit all happen simultaneously on XX/XX/XXXX and I believe there may be some fraud going on.

The 3 companies listed on inquiry details were : SyncB XXXX XXXXXXXX XXXX XXXXXXXX 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 2023-09-15
Company: AMERICAN EXPRESS COMPANY
State: MN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
About XXXX months or so ago I agreed to an offer American Express was offering for XXXX Membership Rewards ( MR ) for opening a Business Gold Card and spending {$10000.00} within 3 months. I met the spend requirements and received the MR . Per my usual process I moved those MR to XXXX XXXX. 

Move forward about 3 months and I see my MR balance is XXXX. I contact Amex and they tell me to call their MR number. I do and the lady said they are investigating and would send me the reason and resolution steps in 7 days via mail. I never received anything. 

I called again, and was told I didn't meet the spend on the card and no way to reverse. I ask to investigate as I met the requirements and wanted to know what happened. They said ok and will get information in writing in 7 days. This never came. 

I then chatted with the online rep who told me to call again. I said I have tried and they can not do anything. 

So now I am stuck with a XXXX MR balance, no way to resolve the issue. I am not able to open any new Amex cards nor refer anyone. Amex is treating me like I am a criminal and did something wrong, but they can't tell me what or how to fix. 

I have been an Amex member for over 16 years without issue prior, spent a lot of money on their cards. I don't deserve this type of treatment, let alone not even being clear on what I did or didn't do. 

My ask from Amex is to wipe the negative XXXX balance of MR to XXXX, and remove the limitation of new Amex cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: Experian Information Solutions Inc.
State: CT
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 contacted Experian XXXX times to file a dispute on XXXX XXXX XXXX. My account was settle and closed back in XX/XX/XXXX through their lawyers. Since the account was paid as agree in settlement I have contacted XXXX XXXX XXXX times including today XX/XX/XXXX to request them to update the account with the credit beaurers as the account has been closed and settle. They inform me that the account has already been reported to XXXX, Experian, and XXXX as account settle for less and closed about XXXX months ago. However this credit companies refuse to update my account and lastly the representative from experian today stated that my account will obligated remain on my credit report as open despite the bank who I borrow from stated the account has been reported as settle for less and closed.

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