BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-18
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am being ignored. This is the second letter I have written to Experian disputing items and they have failed to respond within 30 days. I did not provide written permission or instructions for the identied accounts to be reported on my consumer report. The identied transactions are not information related to any transactions by me as the consumer. I have been in constant communication with Experian and it's been more than 30 days without them responding to my disputes. According to consumer law, they must remove the disputed items from my consumer report because they have not responded to me within the 30 day time frame allotted by law. The next step is for me to pursue legal remedy if these items are not deleted from my report immediately. ( see attached )

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 2022-10-11
Company: SYNCHRONY FINANCIAL
State: CT
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 had a payment agreement with XXXX. XXXX never appeared on my credit report. When CareCredit was purchased by Synchrony Financial, they went back and retro-dated numerous late payments, including 30,60 and 90 day payments. They stated that even though I had a payment agreement in place with them, that it was not enough to cover the minimum payments.

One credit reporting agency reduced this to two late payments on my report, however all three reporting agencies still have these late payments 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 explanation
Consumer complaint received 2023-02-25
Company: Early Warning Services, LLC
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023, I attempted to purchase a puppy from XXXX. The owner said his name was XXXX XXXX. The phone number I was given was XXXX. I sent this individual {$810.00} but had to send them in increments. Through Zelle, I sent this person three {$200.00} amounts, {$100.00} and {$110.00}, which amounts to {$810.00}. They were a fraud ; I never received my puppy, and their site is still scamming people.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: Block, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Block inc doing business as cash app Allowed a person to unlink biometrics, remove password cash out all my money then did the loan feature and withdrew a loan. I reported do not allow when the alert came thought and they still allowed the fraudulent transaction I reported to the police and they still had the nerve to say it was me.. it went to a XXXX XXXX in which I have never had never used. I have them detectives information and they still allowed the fraudulent withdrawal XXXXXXXX XXXX XXXX XXXX XXXX XXXX cash out XXXXXXXX XXXX loan XXXXXXXX XXXX  Then they locked card And NEVER returned my stolen money!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: SLM CORPORATION
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I received a 1099C on XX/XX/2023 for the full amount of my student loans serviced by Sallie Mae. Once I logged into my account it was still showing a balance owed. I reached out to a customer service representative by way of chat and she proceeded to tell me they were not honoring the 1099C. I also sent a security by registered mail to XXXX XXXX  XXXX on pertaining to this promissory note and they forward the documents to Sallie Mae. Sallie Mae sent me a letter advising me they were not honoring the restrictive endorsement on my security and had received the documents from XXXX XXXX  XXXX XXXX XXXX. However, they have yet to return my security back to me. Later I received the 1099C and my account is still showing an outstanding balance. I've uploaded the 1099C to an email I sent for follow up with still no response as of yet and still no return of my security. 
I wish to have my account closed out, run back to me my tender, my security and forward my security interest to my XXXX XXXX  account because I also provided instructions with my security advising I rescind the security interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: Westlake Services, LLC
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:
Pursuant to 15 USC 1692c. ( C ) I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with me through any and all mediums. Pursuant to 15 USC 1692c. ( c ) ( 2 ) - I am invoking my specified remedy as a consumer, and original creditor I am demanding all of the following : XXXX out the balance on this account. Grant me my title lien free. Pay the attached invoice and compensate me for every violation labeled in the attached exhibits. Deletion from all consumer reports

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 2021-02-22
Company: LD Holdings Group, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX I applied for a cash out re-finance with Loan Depot for my 2BD/BA condo. 

After being conditionally approved and paying for an appraisal which came back successful, sending tax and income documents, I was told that Loan Depot no longer re-finances high-rise condos. 

Loan Depot had successfully helped me re-finance on the same proprety unit in XX/XX/XXXX. 

On XX/XX/XXXX - I get the following email from my Sr. Loan advisor at Load Depot " Yes at this time we are not refinancing high-rise condos. XXXX was advising that we had to decline the loan. '' I'm out {$500.00} dollars and spent 2 month sending paperwork all to have it fall on the floor due to no fault on my own. I have not been made hole and this has caused all types of anxiety and stress due my interest rate of % XXXX and qualifying for much lower rates due to my credit score and good payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: EQUIFAX, INC.
State: CA
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 deep dissatisfaction with your decision to decline my identity theft claim. It is essential to clarify that your organization lacks the authority or legal position to determine whether I have been a victim of identity theft. Only I, the individual directly affected, can ascertain this fact. Your refusal to acknowledge my identity theft claim compels me to take this matter very seriously. Should you persist in declining my position, I will not hesitate to consult with my attorney to pursue all available legal remedies to rectify this situation. I trust that it is in both of our interests to avoid such an unnecessary legal course of action.I reject your offer & advise you to process my dispute per FCRA laws. Otherwise we will be seeking a legal remedy in this matter. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I have disputed an Jpmcb account with all three bureaus ; its appears the credit card was opened in XXXX of XXXX  with a credit card limit of {$7100.00} and a negative balance of {$1000.00}. I have notified all three bureaus that I was XXXX  when this account was opened along with documentation from my probation officer. I received notification that the account was verified accurate. It was impossible for me to receive any goods or services from JPMCB during this time frame,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03
Company: Nelnet, Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have recently paid off my Student loan debt and I need that to reflect on all 3 Credit Bureaus. Below is the proof of Payoff not only from the IRS but Nelnet Inc. themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Hello, I have been trying to contact all three credit bureaus to get the Security and fraud alerts removed. I have had no success with getting anyone on the phone and their automated system has not been working out well for me. Please remove those alerts asap so that I can move into my apartment. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
ON XX/XX/2018 RECEIVED AN ALERT THAT A CHANGE TO MY CREDIT REPORT HAD TAKEN PLACE! ... .INVALID INQUIRY ( LISTED ON CREDIT REPORT ) FROM APPARENT UNKNOWN RESOURCE!! I HAVE NO DEALINGS WITH COMPANY IN QUESTION. NO APPLICATION FOR EMPLOYMENT, CREDIT, ETC. EXIST!! 

INQUIRY LISTED AS : XXXX XXXX UTILITIES AND FUEL XXXX XXXX XXXX  XXXX XXXX, TX XXXX ACCORDING TO XXXX XXXX, THERE IS NO RECORD OF SUCH ENTITY!!

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 2022-10-11
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
My mortgage loan ( with XXXX XXXX ) disappeared from my credit report- it was being reported previously for the 12 years I've had it. All of a sudden it dropped off my credit report. I contacted my mortgage company and they show my loan and have contacted credit agencies but the loan is still missing 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 2021-01-05
Company: Experian Information Solutions Inc.
State: LA
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:
Today was almost 60 days since I've sent dispute dated XXXX2020 for the complaint and for Deletion of those inaccurate and unknown accounts on my credit report. But, there's no response yet. I'm a victim of XXXX  Data Breach and it cause to me a lot of stress. I demand to REMOVE all that inaccurate and unknown accounts on my credit report. Or I will file a litigation.

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 2022-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Hello, I have been trying to contact all three credit bureaus to get the Security and fraud alerts removed. I have had no success with getting anyone on the phone and their automated system has not been working out well for me. Please remove those alerts asap so that I can move into my apartment. Thank you.

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 2023-10-07
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Unexpected or other fees

Complaint:
On XX/XX/XXXX and XX/XX/2023 I was assessed a {$15.00} fee for an incoming domestic wire transaction. I am currently expecting an incoming international wire transaction. I could not find any clear information on the chase Bank website about how much Chase charges to accept incoming wire transfers, whether there is a way to avoid them, whether the amount charged is different for international wires. I called customer service and the employee was also unable to find this information. 
The lack of transparency is what I object to. This should be readily available information.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-03
Company: BARCLAYS BANK DELAWARE
State: MD
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:
Barclays Bank Acct # XXXX the account has been paid and it is still reporting as a negative 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 explanation
Consumer complaint received 2023-02-25
Company: EQUIFAX, INC.
State: GA
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 recently received a copy of my credit reports. The credit report showed my student loans which I did not authorizie. I understand that it shouldn't be allowed to put on my file unless I have authorized it. 

According to 15 U.S. Code 6802 ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

I notified the Credit Bureaus on XX/XX/XXXX and XX/XX/XXXX also XX/XX/XXXX. 
Notifying them that they do not have my legal consent to share my information. 
The amount of my Student loan is XXXX. 
I notified them stating that I have sent letters certified mail because I needed prompt response to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 am writing to dispute certain accounts that have been furnished on my consumer report by your agency. These accounts should not be furnished in my consumer report as they are in violation under 15 USC 1681b - Permissible Purpose of Consumer Reporting Agencies.

Under 15 USC 1681b, any consumer reporting agency may furnish a consumer report under specific circumstances, and no other. Subsection ( 2 ) of this statute clearly states that a consumer report can be provided " in accordance with the written instruction of the consumer to whom it relates. '' I have never provided written consent to any consumer reporting agency to report the accounts in question, which directly violates my rights as a consumer. The absence of consent implies identity theft, a serious offense that undermines the integrity of my consumer report. 
I am formally demanding the immediate deletion of the following accounts from my consumer report : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX ( Unauthorized Inquire ) XXXX XXXX open date XXXXXXXX XXXX XXXX open date XXXXXXXX XXXX XXXXXXXX open date XXXX XXXX XXXX open date XXXXXXXX XXXX XXXXXXXX open date XXXX Furthermore, I would like to draw your attention to 15 USC 1681c-2, which states that a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information resulting from an alleged identity theft. I have filed a report with the Federal Trade Commission ( FTC ) regarding identity theft and have been assigned the reference number [ XXXX  ]. As such, I kindly request that you comply with this statute and block the reporting of the aforementioned accounts not later than four business days after the date of receipt of this letter.

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 2023-04-09
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2022-10-11
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Equifax credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and delete from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date opened XX/XX/2016 Balance : {$820.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: Creditors Bureau Associates
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Upon checking my consumer report. I see that your company is saying that i owe you a medical debt. I have not did any business with your company. I didn't give your company authorization to access my information. Any information open by your company is not mines and is considered fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Equifax credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and delete from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX Date opened XX/XX/2020 Balance : {$5200.00}

Company response to consumer: Closed with explanation