BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
This is an update to CFPB complaint # XXXX previously submitted on this matter. 

I am an XXXX  person currently staying in XXXX XXXX XXXX to receive medical treatment for several ongoing health conditions. Since my arrival in XXXX last year I have relied on my Capital One Venture Visa Card # XXXX XXXX XXXX XXXX to pay for my medical treatment and other expenses. This card expired on XX/XX/2023. Due to the upcoming card expiration, on XX/XX/2023 I requested that Capital One send me a replacement Venture Visa Card in XXXX. On XX/XX/2023 I received an email from Capital One stating that " a shiny new card is on the way '' and " should arrive by XX/XX/2023 '' ( see attached email ). Capital One further confirmed to me by phone that the replacement card was sent to me by XXXX XXXX. 

As of today XX/XX/2023 the replacement card has not been received. I have made multiple trips to the local XXXX office to inquire about this card. Each trip requires a lengthy transit time followed by standing outside in line under hot sun for an extended period. This is extremely difficult for me due to my ill health. XXXX has stated that no information can be provided about the card without a tracking number for the shipment. Despite multiple requests Capital One has refused to provide a tracking number for the card shipment. Capital One has also refused to respond to the pending CFPB complaint on this matter. 

At this point due to the actions and negligence of Capital One I have no active credit card and therefore am unable to pay my medical and other expenses in XXXX. As a result I am suffering from extreme inconvenience, hardship and emotional distress. 

Thank you very much for your prompt attention to this matter. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
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 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 XXXX XXXX acct # XXXX {$520.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX acct # {$2700.00} ( Original Creditor : XXXX XXXXXXXX ) or XXXX XXXX XXXX acct # XXXX {$800.00} XXXX XXXX XXXX ACCT # XXXX {$330.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX, XXXX, XXXX  XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Delete this account. 
XXXX. 15 US-CODE 16921 XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 
XXXX. 15 US-CODE 16921 XXXX XXXX XXXX Account Number : XXXX Please remove it 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 non-monetary relief
Consumer complaint received 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a 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 non-monetary relief
Consumer complaint received 2022-11-03
Company: Bread Financial Holdings, Inc.
State: DE
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:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX DE XXXX XX/XX/XXXX Transuion, XXXX Letter to remove Inaccurate Credit Information To whom this may concern, This specific letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payment is inaccurate. Please do me a favor and investigate as well as verify that all data for this account is reporting accurately as well as include every notion of date and balance whether reported or not. 


Dispute late payment - XXXX XXXX  XXXX XXXX Account starting ( XXXX ) XX/XX/XXXX XXXX, XXXX and XXXX of XXXX I would like to also respectfully request to be provided proof of this alleged item, specifically proof that these payments were in fact late. By the provisions of the consumer protection laws, I demand that if unable to do so or lacking proof of these payments being late, please update my payment history to PAANL status ( Paid as agreed, never late ) and supply a corrected credit profile to any creditors who have requested a copy of my report within the last six months.

I am also requesting the description of the procedure used to determine the accuracy and completeness of the information. It is my understanding that evidence must be provided within 15 days of the completion of your investigation. I also have read and understand that under federal law, you have 30 days to complete your investigation. 
It is my understanding that you must also validate these particular items with the reporting creditor for accuracy. Please remove any information that the creditor can not verify. Iknow this must be complete within 30days of receipt of the letter, or you must remove the incorrect information.

Please be sure to send an updated copy of my credit report to the above address. 



Thank you ahead of time for your time in this concerning matter. 
Sincerely, XXXX XXXX XXXX SSN : ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28
Company: NATIONSTAR MORTGAGE LLC
State: OR
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I am currently greater than 7 months past due on my XXXX mortgage with Nationstar. After repeated attempts to negotiate with my lender, I have exhausted my options. Unless my own finances miraculously improve in the immediate future, I expect to lose the house. 
The company representing my mortgage ( XXXX XXXX ) has repeatedly circumvented security measures in place at a gated suburban development in order to illegally trespass on an occupied residence under false pretenses. 
XXXX has, on at least three ( 3 ) occasions, conducted fraudulent inspections of my property in the process of illegally trespassing, despite the property being in good repair, interior furnishings and personal items being present in the property and clearly visible, and utility services being active. No reasonable attempt was made to ascertain the livability or current occupancy before the notice of abandonment was posted. Each time the notice of abandonment was posted I notified XXXX that the property was not, in fact, abandoned and/or vacant. 
I have repeatedly attempted to contact XXXX to request written confirmation that they understand that the property is still occupied and being maintained to livable standards, which they have refused. I suspect they will attempt to conduct another fraudulent inspection next month, and have threatened the inspectors with arrest and company with legal action should they do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1959 ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 

XXXX XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1959 ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
The following accounts continue to report on my credit report without my permission, in violation of federal law. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. I'm looking forward to the immediate update and correction of the following items that are harming my credit. 
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 non-monetary relief
Consumer complaint received 2022-11-05
Company: EQUIFAX, INC.
State: NV
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:
do not have any account with this company, I have asked that it be removed and its still present 15 U.S. Code 1681i - Procedure in case of disputed accuracy do they have right of assignment? 

there is no full account number, how is this listed with no account number? 

whe was last activity of the acount? 

if this was charged off then there needs to be a cancellation of debt XXXX, you can not collect on debt that has been charged off i need accurate data points please remove I have been sick with XXXX  for a year and alot of abuse was done to my credit15 U.S. Code 1681i - Procedure in case of disputed accuracy you can not charge off a card and still report it as over the limit, do you see the problem with this account? 




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 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 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 Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Payment Status Charge-off Charged off as bad debt Unpaid balance reported as a loss by credit grantor Worst Delinquency 120+ days past due None Reported Charge Off/Other Derog Balance {$1600.00} {$1600.00} {$1600.00} Credit Limit {$1100.00} {$1100.00} {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: Experian Information Solutions 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:
I currently have a few fraudulent accounts appearing 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 2016-03-28
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX XXXX Mortgage XXXX XXXX, was my mortgage company. They sold my mortgage to another company. The company was the servicer of the mortgage for almost 4 years. XXXX XXXX had the mortgage. The transfer of the mortgage was never recorded in XXXX XXXX records. Then, in XXXX Aurora loan services recorded an assignment of mortgage from XXXX XXXX Mortgage XXXX, XXXX to XXXX. The assignment was supposedly executed in XXXX and the XXXX companies involved did not have the mortgage. The documents were never recorded in XXXX XXXX records until another mortgage company by the name of Aurora loan services bought the mortgage. Since it is supposed to be recorded in XXXX XXXX records within a certain amount of time in relation to the closing date, I feel these companies have acted fraudulently. The assignment of mortgage was allegedly signed on XXXX/XXXX/XXXX by XXXX XXXX Mortgage XXXX, XXXX XXXX XXXX XXXX Mortgage XXXX, XXXX. The assignment was not recorded in XXXX XXXX records of XXXX until XXXX/XXXX/XXXX. Where did this document sit for all that time? This document supposedly sat in limbo and then mysteriously appeared in XXXX, when Aurora loan services bought the loan. I feel there has been fraudulent activity and do not feel that the assignment of mortgage that was recorded is valid or legal. I would also like to add that XXXX XXXX Mortgage XXXX, XXXX and XXXX XXXX XXXX, XXXX are XXXX separate entities. So XXXX XXXX XXXX, XXXX would not have had the legal authority to assign my mortgage to XXXX and why would the recorded document be returned to Aurora Loan Services and not XXXX?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07
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: Information belongs to someone else

Complaint:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT AND INQUIRIES ACCOUNT NAME : US DEPT. OF EDUCATIO Balance details 0 % paid off Balance {$6100.00} Balance updated XX/XX/XXXX Original balance {$5300.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Installment THE DATE OPENED/ DATE CLOSED/LAST PAYMENT DATE / BALANCE ARE ALL REPORTING DIFFERENT ON THE 3 CREDIT BUREAS ALSO THE ACCOUNT NUMBERS ARE INCOMPLETE THIS IS GROUNDS FOR REMOVAL ACCORDING TO THE " FAIR CARES ACT '' ANY FRAUD REPORTED BY CONSUMER MUST BE REMOVED FROM THAT CONSUMERS ACCOUNT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I never applied for this XXXX XXXX $ credit card from XXXX to XXXX. Account # on my credit report is 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 2021-06-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I opened an account with Bank of America two years ago. A minimum balance requirement was part of the opening agreement to avoid monthly fees. Subsequently, and without my knowledge or agreement, the bank began to charge monthly fees to the account even though I continued to maintain the minimum required balance. When I contacted the bank they refused to honor the original agreement, and claimed that suddenly they had the right to charge monthly fees. As part of this assertion, they claimed that they had unilaterally updated the account agreement, and sent me a notice about their decision. I never received the notice, but more importantly, I don't recall ever doing business with somebody that can just suddenly change account agreement terms. My money has essentially been stolen from me. Additionally, it seems I now need to spend more time moving the account, and so my time has been taken from me as well. Please help me to recoup my fees. This behavior seems illegal. 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 monetary relief
Consumer complaint received 2023-08-04
Company: JPMORGAN CHASE & CO.
State: MT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I applied for a Credit card because it included a {$200.00} gift card from XXXX. 
I received an email to prove my identity. I uploaded my current DL to the Chase website. 
Then i received another email asking me to verify the same. I spoke to a customer service agent who transferred me to the Fraud help desk and i was asked to go to the Chase Branch in Billings, MT with two forms of ID and have them verify. I took my US Passport and my Current DL. THESE WERE VERIFIED BY THE CHASE BRANCH OFFICER who faxed or emailed a copy of each to the credit card division. 
I have not received another email and letter asking me again send the same information once again. REFERENCE NUMBER : XXXX I believe this is harassment and putting obstacles in my way so that CHASE can deny my application. 
I have a credit score of XXXX, with a XXXX XXXX XXXX job that pays a six figure salary, so there is no reason to deny my application.

Company response to consumer: Closed with non-monetary relief