BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Capital One sent my payment to a closed acct. I tired to contact XXXX from capital ones office of the president stated that she contacted XXXX they told her that they could not recoup funds because the account had just been closed. But The XXXX account was actually closed XXXXXXXX XXXX XXXXXXXX. I have contacted Capital One more than XXXX times to resolve this issue. As well as myself another rep from Capital One called XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX verified that they returned the payment XX/XX/XXXX. They provided a trace number and re-verify that the XXXX account has been closed since XX/XX/XXXX. When she tried to explain to her XXXX the information. they told her that I needed to talk to XXXX. My business is not with XXXX. My business is with capital one. I should not have to contact someone else when the party responsible needs to do their job. Please review that phone call. at this point I feel like its retaliation for filing a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: EQUIFAX, INC.
State: IL
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 was never been late on these accounts. I always pay my debt on time. I believe this is a mistake reporting. Please check on the following account and update the error on the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: SYNCHRONY FINANCIAL
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX  has been asked to provide a signed document of release of judgement for over a year since the debt has been paid. They provided an unsigned copy but have not released the judgement which is causing financial hardship as I am disabled and unable to obtain a clear title to sell my home. Several calls and requests have been made.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
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 contact these companies to ask why my credit was ran and that my identity was compromised and that i have a ID SECURITY ALERT on my ssn .... and ask them to remove them ... .see below... and no one responded at all XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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 2022-02-10
Company: Verisk Analytics Inc
State: WI
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to email LCI several times and i have never received a response to my emails nor did they acknowledge that they received it nor have a received anything in the mail from them I am filing this complaint violation of my privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I disputed accuracy of late payments Department of Education/ XXXX ( All 8 accounts ) on XX/XX/19.  Experian changed the dates the accounts were first reported, while XX/XX/XXXX and XX/XX/XXXX updated the date of last activity. I received and will upload a copy of a letter from XXXX on XXXX stating that they would not update records as everything reported was accurate. This is willful noncompliance as you did not follow reasonable procedures to ensure accuracy, you are recklessly reporting inaccurate information, failed to investigate any errors, and caused further harm to my credit report and my credit score to decrease.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: Amsher Collection Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
A Fraudulent XXXX account was opened under my name and social security number, on XX/XX/XXXX in a state I have never been to or lived in. Upon contacting XXXX, they stated I do not have any outstanding accounts, for that reason I do not have an account number to provide. The account I can not get any information about was turned over to XXXX Attorney group by XXXX XXXX XXXX number # XXXX. They also agreed this was Identity theft. I filled a police report with XXXX Police XXXX. in XXXX, CA where I live, # XXXX and provided that to all parties. I thought this issue was resolved after contacting all parties involved and providing all of the necessary documents and proof that this account was not opened by me and is indeed identity theft, only to discover XXXX placed me back into collections on XX/XX/XXXX. I am now having to redo the entire process again to clear my name and credit. The victim has to jump through a XXXX hoops to clear their name, when they perpetrator had no issues using my information to open a fraudulent account. XXXX recommended I file a complaint through this sight. I was not contacted by any company regarding this collection. I only discovered it when I reviewed my credit report. When I provide the companies information in the following questions it's for your reference only, not because I receive any type of communication from them about this collection. I had to research and contact them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XX/XX/2022 XXXX Unauthorized Inquiry XXXX XXXXXX/XX/2022 - Unauthorized Inquiry XXXX XXXXXX/XX/2022 - Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this

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 2018-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
1. REGISTER LETTER NUMBER ( S ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

( A ) SERVICED ON THE ENTITY : TRANS UNION ; XXXX XXXX XXXX XXXX XXXX  PA XXXX.

2. CERTIFICATE AND PROOF OF SERVICE ACCOUNT TRACKING NUMBER ( S ) XXXX ... XXXX   ...

( A ) ENCLOSURES : NOTICE OF RESCISSION ; AFFIDAVIT OF FORGERY ; LOAN DEBT VALIDATION REQUEST ; NOTICE TO CURE 3. REPORTING AGENCY HAS DEFAULTED ON ANSWERING THE VALIDATION DEMANDS AND THEREFORE MUST REMOVE THE MISTAKE FROM THE RECORD.

4. THIS ERROR IS AN INJURY AND TRESPASS ON THE HOLDERS CREDIT INTERESTS. WE REQUIRE A REMEDY.

5. ALL CLAIMS ARE REGISTERED, CERTIFIED, AND TENDERED TO ALL PARTIES INCLUDING FEDERAL AND STATE AND MUNICIPAL PUBLIC/COMMERCIAL EMPLOYEES -- - CORPORATE STATE OF CALIFORNIA.

4 ( A ) PLEASE SEE THE ATTACHED DOCUMENT : RETURN_RECEIPT. 6.
KNOW THAT ... THE ATTACHED CERTIFICATES AND PROOF OF SERVICE ARE EVIDENCE OF CLAIMS FILED.

7. NO PERSON/MAN/WOMAN HAS PROVEN THE LOAN AGREEMENT.

8. WE REQUIRE DISCHARGE AND DISPOSAL BECAUSE THE LOAN IN QUESTION IS CAUSING A FALSE AND INJURIOUS REPORT ON THE PERSON AND THE HOLDER 'S RIGHT IN INTERESTS.

9. UNDER PENALTY OF PERJURY ; WITHOUT PREJUDICE ; ELECTRONIC SIGNATURE BY HOLDER/OWNER OF NAME : XXXX XXXX XXXX, ALL RIGHTS RESERVED WITHOUT RECOURSE.

10. NOTICE U.S. CODE : TRUTH IN LENDING ACT -- 5.1635. Right of rescission as to certain transactions. ( a ) Disclosure of obligor 's right to rescind a transaction subject to this section the rights of the obligor under this section. The creditor shall also provide, in accordance with regulations of the Bureau, appropriate forms for the obligor to exercise his right to rescind any transaction subject to this section. ( b ) Return of money or property following rescission. When an obligor exercises his right to rescind under subsection ( a ), he is not liable for any finance or other charge, and any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a rescission.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Call logs 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
I did contact CapitalOne Auto finance department to make payment arrangements on the auto loan to get any past due balances caught up. They stopped for two weeks and emails continued. Payment arrangements are being upheld to make sure auto loan is being paid up to current. These calls need to stop. 

Also emails have been sent consistently every day about my auto loan past due.
Contacted them on

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 recently received an alert that there was a new account reporting delinquent to my credit from transunionXXXX XXXX. They advised of an account with XXXX XXXX. I have never heard of this company at all and have no relationship with them now, in the past, or ever. I disputed this with transunion and they completed the dispute in less than 2 weeks, saying item valid and to remain on my credit report. 
Lastly, this is upsetting due to the fact that the credit reporting agency and XXXX XXXX in turn advised me that my information has come up on an internet breach so they should have looked into this matter much further. 

I have attached a copy of the alert for my information being breached as well.

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 2022-05-21
Company: EQUIFAX, INC.
State: NJ
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:
Noticed a few accounts on my report that I do not recognize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Collections

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: CBC Companies, Inc.
State: IL
Product: Credit reporting 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 report abuse of trust by a former co-worker in the process of processing the AUTO loan and where they took advantage of my good will and conducted a whole process of strong consultations with different banks and financial companies, through deception, manipulation and tricks. unscrupulous The car process is requested by XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Please see attached data / Digital backup ). XXXX XXXX asked me to help accompany her to her office ( XXXX XXXX ) on XXXX because she was being offered a car and she wanted to know the amount of the monthly payment and financial responsibilities. - First. They checked her credit and her credentials. ( SSN ) And the salesperson who helped her at that time told her that her credit score is incredibly low and that she needed to present a guarantee and contribute a higher premium to the AUTO. Given that the monthly fee would be approximately USD XXXX XXXX XXXX. 

Having this information, XXXX XXXX suggested to the seller that she try my personal credentials ( SSN ) to see the numbers and take advantage of my credit history and see if the monthly payment could be lowered. 

So, XXXX XXXX was a very heavy amount for her finances. She was looking for an average fee of approximately XXXX XXXX 

I acted in good faith and with the healthy intention that we would try the alternatives and that she would make the best financial decision for her budget. She and the sales associate assured me that only 1 inquiry would be made to the credit bureau and that it would be smooth. And it would not affect my score in the slightest. situation, which is NOT true at all. 

At no time do I request and/or provide my authorization for multiple inquiries to be made for credit validation and I NEVER request to be the main debtor and/or co-debtor in this credit process. 

Here, the deceived, used and useful fool has been my person. And I was almost scammed, due to this bad practice and abuse of trust from my former co-worker.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
Company: Blackhawk Network Holdings 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: Account information incorrect

Complaint:
Why was I given a card in the mail after closing my account five years ago and why dose it say charges from New York when Ive never been there in my life Im not paying anything if thats what you want

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
Company: Experian Information Solutions Inc.
State: NC
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:
Reporting accounts included in bankruptcy and discharged incorrectly on my report and should be removed.

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 2021-08-24
Company: GreenSky, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Last year, I filed a complaint with the CFPB for a Rooms to Go debt that was agreed to be settled and paid. The amount originally owed was {$300.00}. The amount was settled for less than the amount owed. See the attached. Also, please reference the CFPB complaint from last year. 

However, this debt is still being reported to XXXX  and XXXX, but as a delinquent charge off for a {$3000.00} credit line, which is entirely inaccurate. Additionally, they have an old address for me, which is also inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: Colony Brands, Inc.
State: DE
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 recently received an alert that there was a new account reporting delinquent to my credit from XXXXXXXX XXXX. They advised of an account with Midnight Velvet. I have never heard of this company at all and have no relationship with them now, in the past, or ever. I disputed this with transunion and they completed the dispute in less than 2 weeks, saying item valid and to remain on my credit report. 
Lastly, this is upsetting due to the fact that the credit reporting agency and XXXX XXXX in turn advised me that my information has come up on an internet breach so they should have looked into this matter much further. 

I have attached a copy of the alert for my information being breached as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
Company: LTD Financial Services, L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had an account with XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX The balance was XXXX ; however the status should be deleted because I paid for delete by settling the amount. I paid XXXX ref # XXXX with agent XXXX XXXX at XXXX XXXX XXXX via the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14
Company: ERC
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Some used my social security number to get a XXXX account ( fraudulent account ) and did not pay. I contacted ERC informed them it was not my account to remove it from my credit. They requested proof with my credit report, ID and SSN. They informed me via email I would receive a claim packet to complete in order for them to investigate to remove the item from my credit report. After waiting for a week I received no claim packet. I contacted organization again and am given excuses they can not discuss it with me because its not my account. It should be removed from my credit but they refuse to investigate and to remove the item.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-08
Company: AMERICAN EXPRESS COMPANY
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with cash advances

Complaint:
American Express XXXX me about atm withdrawal benefit and features. When I went to use the atm cash withdrawal ... it would not work as communicated to me. I then call CS back and received a different story. Second time trying the process did not work, after multiple times with different customer service against and hitting my frustrations level on the tenth time callin CS I decide to be at the atm at the same time. One the agent found out I was using his instructions while standing at the atm he then told me it wont work. I then ask for his supervisor AMX at that time was unwilling to help me with my issue. I ended up closing the account give how good is the product when they do a bate and switch and you cant use the card. Dont what to pay an annual fee when you cant use the benefit they advertise and try to promote.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-22
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Chase Bank is repeatedly assessing late fees to my mortgage account, when I have never been late on a payment in 12 years. I have been billed over {$200.00} in the last 4 years.

Company response to consumer: Closed with explanation