BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-22
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 am trying to fix my credit report and noticed all these hard inquiries on my report I did not authorize or make. I tried to contact the credit reporting agency transunion and have not been successful. Tried to send them letters and callled multiple times every time being told something completely different. And still nothing has been done or changed. 
According the the 15 USC 1681 law there should not be any damages on my report its a defamation to my character. 
XXXX XXXX XXXX XXXX XXXX 
Inquiry : XXXX XXXX, XXXX + Miscellaneous ( XXXX ) XXXX XXXX  XXXX XXXX : XXXX XXXX, XXXX + Miscellaneous ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX + XXXX  ( XXXX ) XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + XXXX  ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : 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 Inquiry : XXXX. XXXX, XXXX + XXXX ( XXXX ) XXXX XXXX/XXXX  Inquiry : XXXX XXXX, XXXX + XXXX  ( XXXX ) XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Miscellaneous ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Miscellaneous ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + XXXXl ( XXXX ) XXXX

Company response to consumer: In progress
Consumer complaint received 2023-06-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Captial One intentionally lied to disqualify a dispute request. 

After more than a year of frequently calling, waiting and checking and being told to submit documents several times - I was told that the case was disqualified at the start for being 10 days late to a paperwork submission deadline. I HAD NO NOTIFICATION OF THIS DEADLINE. 

I was told ( after 1.5 years ) that Capital One expects customers to log in and frequently check a hidden " documents '' area to get notifications. They do not provide direct notification and disqualified my request retroactively because of this excuse. 

Then, they lied saying the issue was fully resolved. I believe them, but later discovered that they corrected ONLY ONE OF TWO FALSE CHARGES. 

This is plain fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-12
Company: United Collection Service, Inc (FL)
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I attempted multiple times to recieve more information on the debt owed and the collector refused to give me any information but wants me to settle debt. Collection has been removed from all credit bureaus due to lack of information except XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: Experian Information Solutions Inc.
State: MN
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:
Experian ; I am filing a formal complaint/dispute after review of my credit report. You are reporting incomplete credit reporting on XXXX XXXX account number XXXX. The payment history is missing. This is FCRA violation, all information must be 100 % accurate and verifiable. Please remove this violation immediately and please provide me a updated credit report showing the deletion. 

Thank You, 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 2017-11-13
Company: MORTGAGE LENDERS OF AMERICA
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We signed a purchase agreement on XX/XX/XXXX to buy a home at XXXX XXXX XXXX XXXX, FL XXXX. The lender was mortgage Lenders of America. The MLOA loan number is XXXX. We were told the closing would be on XX/XX/XXXX. The closing did not occur until XX/XX/XXXX. During the entire process were not advised that any additional time was needed. We were only advised during the last week of XX/XX/XXXX. that a POA was needed because the co-borrower was not in the US and would not attend the closing, which was known by lender. As a result the co-borrow had to travel on short notice from Panama to Florida causing an unexpected travel expense of approximately $ 750.On XX/XX/XXXX the closing did not occur and we were told by the lender it would be the next day and day by day the closing date changed to the next business day. Finally on XX/XX/XXXX the closing occurred. As a result of these daily delays we encountered unexpected hotel and meal expenses of approximately {$1200.00}.
Daily complaint via emails were made to the MLA Loan Officer, XXXX XXXX. I also complete the MLA survey with all the same info and described their services as unsatisfactory, disorganized, not consumer friendly, among other negative terms. MLA made no further contact since the closing. We would like MLA to reimburse us for all the unexpected, unplanned travel, lodging expenses. If MLA is willing to pay those expenses, we will supply all credit card receipts and any expenses not charged to a credit card.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a standard 30 year mortgage with Citizens. Citizens assumed the mortgage about 1 year ago. I am current on all my payments -- in fact, I regularly pay about XXXX months in advance. 

MY ESCROW ACCOUNT IS SIGNIFICANTLY OVERFUNDED. Despite at least five phone calls to the Citizens escrow department over the period from XXXX to XX/XX/2022, the issue was never resolved. 

The ESCROW STATEMENT sent by Citizens to me ( dated XX/XX/2022 ), has an OBVIOUS ERROR on the table on page XXXX of the statement. The computer or person populating the statement ERRONEOUSLY assumed ( for some obviously wrong or possibly bad faith reason ) that there would be {$0.00} of payments to the escrow account in the ( at the time future ) XX/XX/2022 and XX/XX/2022 periods. The statement therefore ERRONEOUSLY calculates a starting shortfall that needs to be made up with an additional {$150.00} / month top up escrow payment by myself over the coming year. The math is OBVIOUSLY, and simply, wrong but Citizens has never corrected it or generated a new escrow statement. When I made my phone calls to Citizens in XXXX and XXXX, THESE TWO ESCROW PAYMENTS HAD ALREADY BEEN MADE, so I can only assume that the Citizens escrow department is either completely incompetent or acting in bad faith. No one ever responded knowledgably, or helpfully, to my concerns. They either ignored me completely or forwarded me to another phone rep that they indicated -- probably dishonestly -- was a manager. 

Not only should I not be contributing {$150.00} / month additional money into the escrow account, but several thousand $ should be refunded to me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
they are reporting my name as XXXX XXXX XXXX, I DONT KNOW WHO XXXX IS, BUT I HAVE SENT IN MY CORRECT INFORMATION ALONG WITH MY ID AND MY BILL AND THEY ARE STILL REPORTING THIS ON MY FILE! 

I NEED MY CORRECT NAME ON MY REPORT ALSO MY ADDRESS IS XXXX XXXX XXXX XXXX XXXX, CA XXXX NO OTHER ADDRESS SHOULD BE LISTED

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27
Company: Experian Information Solutions Inc.
State: KY
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:
On XX/XX/XXXX, I was checking my credit report through XXXX XXXX, and found that an old account loan for my automobile purchased in XX/XX/XXXX from XXXX XXXX XXXX XXXX was showing that I owed an amount of {$990.00} toward the balance. However, the account was paid in full two years ago in XX/XX/XXXX, and I had received a release from the XXXX XXXX XXXX. I called the bank on XX/XX/XXXX, to discuss the issue, and the bank representative confirmed that they had mailed a release from the loan in XX/XX/XXXX, but I would have to make a " consumer complaint '' against them in order for the report to be corrected.

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 2018-11-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Account # from when account was active : XXXX Account # according to Credit Reports : Equifax - XXXX / XXXX - XXXX /XXXX - XXXX I have already submitted a complaint ( # XXXX ) with you all regarding the actual company ( XXXX XXXX  XXXX XXXX ) providing the information but this morning I received emails from Equifax stating that my disputes ( Conf # 's XXXX & XXXX both XXXX XXXX   for duplication of accounts and inaccurately reporting a CLOSED account as OPEN ) were complete. I called and spoke with 2 different reps who both confirmed that XXXX XXXX replied that the info is correctly reporting. I proceed to explain to the young man that 1. I only ever had 1 account with XXXX XXXX  XXXX XXXX which began XX/XX/XXXX. That truck was repossessed in XX/XX/XXXX, they refused to give the vehicle back to me. How on earth can they report this balance as open when it's C/O after they refused to give me the vehicle back. He explained because the balance is still owed and was never sold. So then I asked him to explain the duplication, his response was it's not the same, account ending in XXXX has a {$0.00} balance and shows as " Sold/transferred '' & account ending in XXXX has a balance of {$11000.00} and shows " Charged off and Open '' ... hmmm, this all is a big conflict and it's like whatever the creditor says is what goes and it's not fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
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: Investigation took more than 30 days

Complaint:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I pick this All Inclusive Resort called XXXX XXXX XXXX in XXXX XXXX I showed up Check in went to the room the room wasn't the room I requested to be facing the Beach it was a room facing the Pool it was Dirty Blood on the Sheets mini refrigerator was empty I went to Front Desk to Complain all of a sudden no one spoke XXXX but they spoke XXXX when I was Checking in plus it was a Holiday XX/XX/XXXX a family member came to see me they chased him off the Property for not having some Bracelet but he was only coming to see me not stay I went to the Buffet on the Property same day to eat as I was Biting into the Bread I noticed something XXXX in my Bread it was a Mosquito bake into the Bread I threw up went back to the front desk to complain still everyone was acting like they spoke no XXXX so I had my family member pick me up to go stay somewhere else because I was getting no where with the Resort or XXXX so I Disputed it with Capitalone but they telling me that they can't do anything about it I didn't even spend one night at this Resort because of the Conditions no one should have to go through on Vacation I want my Money back {$710.00} it was Completely Horrible with the worst customer service never again very Nasty

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
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: Their investigation did not fix an error on your report

Complaint:
Despite my multiple efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a profound impact on my life, causing immense stress and XXXX. It is crucial to reiterate that I never authorized any of this information to be associated with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-04
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
You have no category to cover my specific problem. Lowe 's XXXX  Card expects my payment I said to them I refuse to pay for something that is defective and impossible for me to return. I also cancelled my Lowe 's XXXX  Card. XXXX XXXX admitted that XXXX XXXX sold me a defective product. I have no way of returning the defective product. Both Lowe 's and XXXX XXXX refused to pick up the defective refrigerator and provide me with a refrigerator that is not defective. I am XXXX XXXX XXXX in ill health and can not possibly move the refrigerator and I am unable to transport the refrigerator in my XXXX XXXX XXXX. I was told by XXXX XXXX the defective refrigerator must be returned to Lowe 's here in XXXX Florida at their XXXX XXXX store location to do a refund or exchange is what XXXX XXXX told meXXXX I had made several attempts to negotiate with the management at Lowe 's in person and by phone I spoke with Lowe 's on several ocassions between XXXX and early XXXX. XXXX XXXX 's had phoned me several times and I also spoke with them by phone several timesXXXX Lowe 's insisted that I must return the defective refrigerator for a refund or replacement. They give me no legal recourse.

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 2023-06-30
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Hi, I'm trying to file a complaint about an ongoing issue. I'm not sure that I've followed the correct prompts or that I'm reporting the most appropriate agency. 
The issue is that i currently have multiple injuries due to mostly work related incidents. I'm awaiting further medical treatment and unfortunately can not work until these medical issues are resolved. They interfere with my daily functioning. 
However, there seems to have been a gross level of privacy violation. I am currently involved in a housing program that requires either participants are gainfully employed or they must receive Social Security. My Social Security benefits were denied as they claim medical records from one of my treating providers weren't submitted. The hospital claims that..that isn't true. 
In the meantime, I reside in a group setting that is not really good for my mental or physical health. The participants dress up in bank colors... .red and yellow.. ( Wells Fargo ) ... .royal blue and white  ... ( XXXX ) and start violent arguments in closed confines. I think the thought is they're going to cause a staged raucous. And a result gain access to a purse and a bank card. There have been multiple violations with lost property at the security check..including items such as social security cards XXXX and driver 's licenses. I have made several police reports yet highly dysfunctional behavior continues. Thank You for your time and effort in resolving matters of this sort.

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 2019-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 don't recognize this accounts. I never applied for this, I don't have any contracts or agreements with this companies.

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 2023-03-20
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding your failure to provide proof of reinvestigation in response to my dispute. 
On XX/XX/2022, I submitted a dispute to your company regarding XXXX XXXX XXXX ( Collections ), XXXX XXXXXXXX ( Collections ), XXXX XXXXXXXX XXXX ( Collections ), XXXX XXXX ( Collections ) XXXX XXXX XXXX XXXX ( Collections ) and XXXX XXXX XXXX ( Collections ). As part of my dispute, I requested that you reinvestigate the information and provide me with proof of the reinvestigation, as required by the Fair Credit Reporting Act ( FCRA ). 

However, despite multiple requests for proof of reinvestigation, I have yet to receive any documentation from your company showing that you have completed a reinvestigation of the disputed information. This failure to provide proof of reinvestigation is a violation of my rights under the FCRA and has caused me significant harm and financial loss. 

I am requesting that you immediately provide me with proof of reinvestigation for the disputed information, as required by law. Additionally, I request that you remove any inaccurate or incomplete information from my credit report and take any other necessary steps to ensure that my credit report is accurate and complete. 

If I do not receive a satisfactory response to this complaint, I will be forced to pursue legal action to protect my rights under the FCRA.

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 2022-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXXXXXX. ( address : XXXX XXXX XXXX, XXXX XXXX XXXX, IA XXXX ) was pursuing me for four year old credit card debt. This case was eventually brought before a judge on XX/XX/2020, and I represented myself pro se in the case vs. the company 's lawyers. The case was dismissed by the judge ( on the court docket it says 'Dismissed by Court ' ). After this, XXXX XXXX stopped pursuing me for this debt. However, XXXX XXXX is still updating my credit report each month regarding this debt. I would like XXXX XXXX to respect the judge 's decision and cease reporting this dismissed debt to my credit report. I have tried to contact both XXXX XXXX and the company 's legal firm on numerous occasions via phone and email, but I have not received a response.

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