BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I opened a money market 360 account with Capital One in order to obtain a bank account bonus of {$500.00}. The bonus code was : XXXX and the terms were to deposit {$50000.00} or more by XX/XX/XXXX. It did NOT state the balance had to be above {$50000.00}. I completed {$50000.00} in deposits on XX/XX/XXXX. I called on XX/XX/XXXX to see why my bonus had not been paid. They claimed it was because I had not obtained a balance of {$50000.00} even though this was not stipulated in their terms and conditions. The terms and conditions are attached below : Open a 360 Money Market account and deposit at least {$50000.00} between XXXX XXXX ET on XX/XX/XXXX, and XXXX XXXX ET on XX/XX/XXXX. 
When you open your account, enter your promotional codeXXXX. ( Please do not share this code with others. ) Deposits must be from another bank ( transfers between Capital One accounts will not qualify ). 
If you have or had an open savings product with Capital One after XX/XX/XXXX, youre ineligible for the bonus. 
This offer can not be combined with any other Capital One Bank or Capital One 360 new account opening offer. 
Bonus is only valid for one account Capital One will deposit the {$500.00} bonus money into your account within 60 days after completing the above conditions. If your account is in default, closed, or suspended, or otherwise not in good standing, you will not receive the bonus. 
All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to express my profound frustration with the way my multiple attempts to rectify fraudulent items on my credit report have been handled. Despite my persistent efforts to have these fraudulent entries removed, they persist on my credit file, causing severe financial and personal distress. These fraudulent entries have had a profoundly negative impact on my credit score, making it difficult for me to access credit, obtain loans, and even secure employment opportunities. I have followed all the appropriate procedures for disputing these fraudulent items, including submitting supporting documentation and adhering to the regulations outlined in the Fair Credit Reporting Act. Despite my repeated efforts, the fraudulent items persist on my credit report, and no corrective action has been taken. I am deeply concerned about the harm this situation is causing to my financial well-being and overall quality of life. I have attached copies of all my correspondence, dispute letters, and supporting documentation to this complaint for your reference. I expect a thorough and prompt investigation into this matter to remove the fraudulent items from my credit report. I kindly request that you provide me with a written response detailing the results of your investigation and the actions taken to rectify my credit report within 30 days of your receipt of this complaint, as required by the Fair Credit Reporting Act. In addition to the removal of these fraudulent entries, I also request that the credit bureau furnish a written statement detailing measures taken to prevent such fraudulent items from reoccurring in the future. This is crucial to ensure the protection of my credit and to prevent others from experiencing similar hardships. I am fully willing to cooperate and provide any additional information or evidence required during the investigation process. Failure to address this matter in a satisfactory manner will leave me with no choice but to pursue legal action to remove these fraudulent items and seek damages for the financial harm inflicted upon me. I am asking for your assistance to remove the following fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: CITIBANK, N.A.
State: AR
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
This dispute is against Universal Citibank card. They dramatically increased my interest rate after 20 years because of a recent forgotten late payment. The CFPB says they can't do that if paid within 60 days. They have so far not offered a reasonable explanation. All they said was it wasn't illegal, which is not true.

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 2021-01-30
Company: Credit Systems International, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Credit systems international has mailed out over 30 pages of documents that contain my medical records, diagnosis codes, procedures and more. This company failed to supply a release form with my signature that gave permission for them to access my medical records. They did not supply a HIPPA release form that gave this collection agency access to my medical records.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I the consumer was not given a explanation how to exercise on how I can exercise a nondisclosure option of nonpublic personal information.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
It is absurd that I have consistently made timely payments for this account and have never been overdue. I kindly request that you promptly update my account to reflect this accurately.

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 2022-07-27
Company: Experian Information Solutions Inc.
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: Was not notified of investigation status or results

Complaint:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I was awarded funds through the XXXX program for struggling Floridians on XX/XX/2022. My mortgage company, Paramount Mortgage has yet to apply my payment to my mortgage account balance. XXXX has ensured me on multiple occasions that the funds were sent to Paramount Mortgage in the amount of {$13000.00}. Paramount Mortgage notified me that they did receive the funds initially, but now they are saying they haven't. Paramount Mortgage hasn't given me a consistent story yet. This is the 2nd complaint that I have filed and they have yet to respond with a detailed answer. Fees are steady being applied to my mortgage account while they are holding the funds that are rightfully mine. I may just be another borrower to them, but my home is much more to my kids and I. I am desperately seeking assistance to save my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Card was charged for something you did not purchase with the card

Complaint:
I opened a credit card with Bank of America in XXXX and I had a XXXX balance prior to getting incarcerated in XX/XX/XXXX. 
There was charges made to my card on or around XX/XX/XXXX that wasn't me or authorized by me because of my incarceration and I was release XX/XX/XXXX so It couldn't have been 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 2023-12-11
Company: EQUIFAX, INC.
State: PA
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:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC XXXX regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
We received a letter from Bank of America refusing to speak to my husband regarding all details concerning this Mortgage even though I sent a signed certified letter to them on XX/XX/2023 ( Certified Mail - # XXXX ) authorizing this. 

In the most recent letter we received, they claim they never received such authorization. Yet, in the same set of correspondence they acknowledge having received my certified letters. 

Finally, it appears Bank of America, in response to valid complaints, is committed to saying " we have nothing to substantiate your claims '' which to a lay ( non attorney ) person means -- " We are not going to seriously look at your complaint, so sue us ''. We don't believe you have the resources/deep pockets to pursue a lawsuit where facts can be discovered to prove the truth of what you claim even though we know exactly what is taking place. We'll take your money, but we can care less about you. '' Sadly, this appears to be true. I maintain hope that something can and will be done.

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 2023-02-15
Company: EQUIFAX, INC.
State: MS
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:
I need clarification as to why you are reporting certain information on my report. 
Please review the following : Inquiry Account : XXXX XXXX XX/XX/22 Please send me documentation with proof of my signature showing that I in fact applied with this creditor otherwise remove this unverifiable inquiry from my credit report. 
After you have completed my request, send me a copy of my credit report reflecting these changes. 


XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hello I have several accounts reporting on my credit that is fraud and is not mine I did not open them it is violation of the ( FDCPA ) to report inaccurate and false information to my credit report I have never had validation of any of these accounts and I will send in verification of my identification where I have lived in the past 15 years and I will like for these accounts to be deleted from my credit report this has been so much stress on me and if its not deleted due to fraud and incorrect information and I dont recieve any validation that this was me who opened these accounts that I previously disputed before that was stated they were verified which I dont know how when I did not open them I will take out a lawsuit cause Im clearly sending in a copy of my identification where I have resided for past 15 years thanks

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 2024-01-05
Company: Express Recovery Services, Inc.
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My daughter was in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ( XXXX XXXX XXXX XXXX Utah ) for a major health event. I cover her health insurance and made sure to contact the billing department early and provide documentation that myself and her dad ( who are separated ) are both legally responsible to pay XXXX of all her bills. As such, billing was split accordingly- although this took repeated effort. I maxed my out-of-pocket and paid all bills owed on my account for her. XXXX XXXX Billing office has record of this and confirmed this recently. They also noted that I was paid in full and the balance remaining was due from my daughter 's father. I have received no medical bills since XXXXXXXX XXXX XXXX I received XXXX individual bills from a collection agency, Express Recovery Services XXXX Inc. in my name for what appeared to be my daughter 's dads ' bills. I called XXXX XXXX billing and they noted that I was paid up and they weren't sure why the credit agency had sent me the bills. The notes that they had access to ( Express Recovery Services ) showed that I had paid my balance back in XXXX. The credit agency had been unable to collect from my daughter 's dad and so decided, I guess, to go after me - despite knowing, having written documentation from the hospital billing office, that I had already paid my balance. This is completely unethical. I called the credit agency right away and explained that I didn't owe anything, had paid in full, and would be contacting XXXX XXXX billing to discuss the matter. I also noted that I intended to reach out to my attorney about the matter because I was so tired of dealing with the issue. To date, since that initial conversation back in XXXX, I have not heard from them ( credit agency ). However, given the egregious nature of this action by Express Recovery Services, who sought me out on their own and not at the request of XXXX XXXX, I strongly believe there should be some action against them. This was an effort to intimidate me into paying for my ex 's bills probably because they knew I did pay my bills. I suspect they've done this to other people who are divorced/separated from their former partners. If I had the funds, I would sue them.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
After reviewing my credit report, I spotted some inaccurate late payment accounts that need reporting and correction through your company. 

I attached on this complaint the PDF copy of the dispute letters I sent to the involved Bureaus. I also sent them my personal documents.

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 2023-12-11
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
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:
XXXX, XXXX  .tranunio I have done online disputes disputes by mail and called there fraud depts about in authorized disputes and the always say they were validated and accurate which ifalse is have filed complaint with fcra filed a identity theft report called each individual inquiry 1 company removed it These are the inquires that Still remain and are so called validated By bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These r violations 15 u s c 1681 section 602 a states I have a right to privacy 15 u s c 1681 604 sec 2 also states a consumer reporting agency cant furnish a account without my written permissin

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 2023-12-11
Company: EQUIFAX, 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'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 explanation
Consumer complaint received 2022-08-09
Company: AES/PHEAA
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I was informed that refinancing my private student loan with Fed Loan Servicing ( Federal Student Loan ) would qualify me for the XXXX XXXX XXXX XXXX. I have been making on time payments since I XXXX XXXX XXXX XXXX XXXX  and have XXXX for a XXXX XXXX XXXX since XXXX to the present. I refinanced my loans in XX/XX/XXXX and my credit score was negatively impacted by over XXXX points. I applied for the Public Service Loan Forgiveness program in XX/XX/XXXX and sent an updated one in XXXX of XXXX. I have seen a number of people have their loans forgiven in this time period in which they applied after I did. I now received a letter from XXXXFed Loan that my loan would be transferring to a new Federal student loan servicing company, XXXX. In the letter, it states that this transition may affect my credit score. I have been waiting patiently for an updated count on my public service loan forgiveness since XXXX. It is now XXXX and my loans are being transferred to another company and my credit score will be impacted again. I am unable to make purchases and receive good interest rates because of this. The public was told that in order to qualify under this new waiver in XXXX of XXXX that we had to refinance. There was no choice. I have done everything required and I know that my loans should have already been forgiven under the new waiver. I have called numerous times to Fed Loan Servicing and to XXXX XXXX with no information be given. They continually tell me that they have no further information for me and that I just have to wait. It would be ok if it was just waiting, but now it is impacting my credit so negatively that it is unfair to me as a consumer. I have also filed a complaint with XXXX XXXX and they were reviewing the complaint. I later logged on to check the status weeks/months later and it shows that it was closed, but there was never any email or feedback to me. This is extremely upsetting and concerning that there is no rhyme or reason as to the processing of Public Service Loan Forgiveness applications. Again, I originally consolidated in XXXX and filed in XXXX right after my consolidation. The state of XXXX  can verify that they have certified my XXXX  twice already and still no movement from Fed Loan or XXXX XXXX. I am very concerned that on XX/XX/XXXX my loan again is going to be transferred and my credit score impacted significantly. This has impact on future home buying ( mortgages ), car purchases, etc. I am hoping that someone can assist me.

Company response to consumer: Closed with explanation