BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit 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 have two accounts with Capital One Credit. I have had these accounts for years. I started keeping a debit and credit register on my accounts in the same manner that I keep a bank account register. In the last month the totals on my charges by the company were {$150.00} dollars more than the total calculated charges. I track interest and my payments. This account is used for many small online purchases as well as several monthly recurring charges. With the balance being {$150.00} more than I expected I decided to close my account. I had made a purchase on XX/XX/2023 through XXXX for {$66.00}. The payment had cleared by XX/XX/XXXX, I mark in my register when the payments clear. On Saturday XX/XX/2023 I was very certain of the over charge situation. I spent all day eliminating the Capital One Walmart Card from all my associated accounts. So last night I paid off the entire listed amount of {$1400.00}. I phoned Capital One to close the account. Suddenly the {$66.00} was treated by the person on the other end of the line as a new, and as yet uncalculated in the total, charge. I had to pay an additional {$66.00} to bring the balance to zero. I printed out the register at XXXXXXXX XXXX and it shows the charge in the registery. I printed out the charges again at XXXX XXXX and the XXXX charge has miraculously evaporated. I contact customer service at which point they tell me their system is 'updating '. The XXXX charge that went through ( check with XXXX ) on the XXXX of XXXX is still missing. I tell the customer support person that I have the print out showing the charge was previously on there, suddenly it appears back on the registery. There needs to be financial forensic analysis of all US accounts handled by XXXX. This stealing has become a school of education for their citizens and needs to be stopped. Best of luck.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: Experian Information Solutions Inc.
State: OH
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:
Good Afternoon to whom this may concern I still have questions regarding my account. I was unaware of the status of my account until it showed up on my credit report as of the end of XXXX. I have spoken with several representatives and sent emails regarding these issues. I was told that XXXX does not report good standing to the credit agency and that my status would be that way for the next 10 years. That is why I disputed with the agencies. I guess I was misses informed by my lawyer because I was told that this account was included in my bankruptcy and that they could be discharged because federal loans can be included in a person 's bankruptcy if the Judge agrees. I also was informed that XXXX is not a federal agency so that's why my loans became due, but then I'm told that these are federal loans. If these are federal backed loans or federal loans, repayment did not go into effect for federal loans until XXXX so why was I hit with late payments? It also comes at a time when I'm trying to secure housing for myself and children, and everyone knows they use your credit score. ; due to these repeated past due charges I can not find housing. This is very devastating to myself and my family. I'm XXXX yrs old and to have to go live with a parent in a XXXX apartment with XXXX kids is totally embarrassing. In the past I have never been late with any of my student loans, and I feel this is very unjust. XXXX has not reported anything to the credit agency regarding these student loans for years, then all of a sudden late and dropped my credit score XXXX points crushing my dreams and belief in the federal systems. Last question : How is it that if this is not a federal loan XXXX can use the federal IDR for these loans. This all is not fair, and it is ruining my life. I've been told that XXXX could remove the late payment status with a Goodwill letter. Is this possible in my case I have completed all forms needed for IDR and also looking to consolidate these loans, so this confusion doesn't happen again. XXXX does not tell the truth 1 rep says these are not federal loans the next rep says these are federal so why doesn't the federal law apply.

Company response to consumer: In progress
Consumer complaint received 2021-05-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I started a money transfer ( USA to XXXX ) with XXXX. XXXX took the amount of {$500.00} on XX/XX/XXXX, from my Bank of America checking account. XXXX had to cancel the transfer I started, and refunded the money to my bank account. 
XXXX claimed that they refunded the money to my account on XX/XX/XXXX, but until now I don't see that money in my account, I can only see the money was taken on XX/XX/XXXX with the Authorization number XXXX. 

I have called many times XXXX, and they always reply the same, that the refund was successfully done at their end. While calling to Bank of America, they told me there are no transactions on hold or rejected from XXXX. 

This is the response received from XXXX : " Since transaction was rejected transfer was cancelled on XX/XX/2021. However, our initial attempt to complete transfer failed. A second attempt to refund was done manually on XX/XX/2021 which was successfully completed on XX/XX/2021. '' Until now, I have not received the money XXXX {$500.00} XXXX in my Checking account at Bank of America after all this time. 


Transfer started date : XX/XX/2021 Transfer cancellation date : XX/XX/2021 Authorization number : XXXX Reference number : XXXX Cases opened at XXXX : XXXX, XXXX, XXXX, XXXX Refunded XXXX date : XX/XX/2021 2021

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 2021-09-23
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX XXXX XXXX  and tin used to financially abuse my credit report by constantly putting on and taking off late payments that were made in compliance with the change of payment date from the XXXX  to the XXXX during the pandemic. Within the past 30 days they have made six changes to my credit report as my loan officer has been documenting everything like I have. They have recently blocked my account balance from being shown after they lied to the credit bureau that my balance was over {$2900.00}. I can not speak to this company because their representatives are uneducated disrespectful southern customer service representatives that are trained in collections not customer service. My Exhusband is responsible for this account, I paid two months out of my own money and instead of updating the balance they reported the balance almost twice as much to the credit bureaus. They know exactly what theyre doing it is one lady that handles this account and I would like to know her legal name. Consumer finance needs to investigate this company to the very end.

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 2022-11-21
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: Their investigation did not fix an error on your report

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX Credit Bureaus was XX/XX/ 2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified account without any proof provided, within the time allowed by law, is not authorized. The account listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX : {$160.00}

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 2023-04-05
Company: EQUIFAX, INC.
State: PA
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:
With respect to XXXX  XXXX : 15 U.S. Code 1681, I, being a consumer, am entitled to an accurate and complete consumer report. I am writing this today insisting to delete the following unauthorized information below in my file. These accounts being reported are fraudulent. I never gave this company written consent to report anything on my credit report nor did I give this company written consent to have access to my consumer report at all. No consent is identity theft violation of : -Privacy act of 1974 -15 usc 1681b ( a ) ( 2 ) Cc : CFPB 1700 G st NW , Washington , DC 20552 FTC XXXX XXXX XXXX XXXX XXXX Washington , DC XXXX Attn General XXXX XXXX, XXXX XXXX XXXX XXXX XXXX pa XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28
Company: Atlanticus Services Corporation
State: MA
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:
Dear XXXX/FORTIVA/ cfpb ; XXXX XXXX XXXXn , ****see attachments**** I need you to start a new investigation regarding the account listed below : I disputed this account with the credit bureaus 30 days ago, and they stated that you verified the accounts. Im confused, how did you verify this account when Its accurate? I know that all furnishers must have procedures in place to report accurately to the credit bureaus. I would like to see a copy of the procedures that your company have in place to make sure that they comply with the law and that the account listed above is reporting accurately.

These incomplete and inaccurate items are causing harm to my credit score and I need it fixed ASAP. 

Please fix this situation and get back with me within 30 days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
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: Personal information incorrect

Complaint:
I am writing to bring attention to the fraudulent personal information associated with my identity. There are certain accounts and transactions that have been falsely linked to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is of utmost importance to address this matter promptly, as it has had a detrimental impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if required, pursue legal action to safeguard my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: EQUIFAX, INC.
State: GA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and Equifax credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX  XXXX XXXX Balance : {$140.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: EQUIFAX, INC.
State: HI
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 frustration and disappointment regarding your bureau 's handling of my identity theft claim. Despite providing extensive documentation and evidence, it appears that my case is not being recognized or treated with the urgency it warrants. As a victim of identity theft, I have endured countless hardships, both financial and emotional, due to the actions of the perpetrator who maliciously stole my identity. I reported this incident to your bureau on XX/XX/2022, accompanied by substantial evidence, including FTC reports, to substantiate the authenticity of my claim. XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX. Please delete these accounts ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
TransUnion has failed to remove incorrect information from my credit report despite contacting TransUnion multiple times, and despite other major credit reporting agencies removing the same information and has taken months to still NOT address my dispute. 

Both of these accounts are being listed as an auto loan on my consumer credit report. This alleged agreement by the governed law UCC is indeed a credit sale. 

TransUnion has not been furnished with any documents suggesting or validating that this an auto loan. As the alleged debtor, no money or goods have been loaned to me. Per section 15 USC 1681e, I am entitled to an accurate, complete and verifiable credit report and requires that consumer reporting agencies to adopt " reasonable procedure to assure maximum possible accuracy and integrity of the information '' contained in consumer reports. TransUnion intentionally and irresponsibility reporting false information. You, ( TransUnion ) as a consumer reporting agency, are aware of the tax laws and obligations. You assumed a vital and responsibility role to assure the maximum accuracy of information in consumer reports you furnish. The fundamental properties of this retail installment contact are not applicable and does not constitute as being an auto loan. XXXX XXXXXXXX XXXX XXXX does not have an enforceable contract as an auto loan for me, XXXX XXXX, for these accounts, so you can not furnish this account as an auto loan. 

This is indeed an actual factual inaccuracy that could have been covered by a reasonable investigation. 

You need to REMOVE and BLOCK the following accounts from my consumer credit report immediately. 

University XXXX XXXX XXXX XXXX Account XXXX XXXX University XXXX XXXX XXXX / Account # 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 2023-10-06
Company: ALLY FINANCIAL INC.
State: TX
Product: Credit 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 purchased a bottle of XXXX from XXXX on XX/XX/2022 for {$40.00}. They sent me XXXX bottles and charged my credit card ( AllyXXXX ) {$190.00}. I called the company and said I wanted to return all for a refund. They advertised 100 % refund within XXXX XXXX They refused, and offered to reduce the price by 50 %. I refused and asked for a refund. 

I filed a dispute with AllyXXXX  credit card. They just today XX/XX/2022 refused my disputed and send a vague letter say I did not provide enough information ( without specifying what information was missing ). 

I called today to appeal the dispute, and the Ally representatives were less than helpful. I asked for more specific information as to

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 2023-11-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I had an account before and my account was closed for some reason. I got my money in the mail a few weeks later no problem. I have a credit card in good standing, and Im trying to reopen a new savings account and checking that way I can use this bank as primary for all my funds/credit but it gives me a error anytime I try to open a new account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: EQUIFAX, INC.
State: NE
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX Credit Bureaus was XX/XX/ 2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified account without any proof provided, within the time allowed by law, is not authorized. The account listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX : {$160.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Capital one asked me to verify my deposit now they are asking for more documents than my loan originator asked for this is unfair and invasive and a witch hunt that was triggered by a call from an ex girlfriend to them and she even told me they discussed specific information about my account with her which is against the rules. I intend to seek legal representation. I will gladly provide the cfpb with documentation verifying the deposit belongs to me. I will also provide a statement showing the disbursements with the last 4 of my capital one account showing. The Sba even approved my loan forgiveness application sba  # XXXX  and sba # XXXX ( screenshots below with loan numbers and my email address ) so therefore capital one is unlawfully holding my funds. I contacted the i team as well. Furthermore my account reflects legitimate use for ppp funds which is rent for a part of my business- not that I have to explain that to my bank because it has already been explained to lender and sba and approveed which is reflected below in attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: U.S. BANCORP
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Elan Financial continues to show a paid off account that they wrote off on my credit report. Creditor never provided me with a 1099c and has written this debt off. Elan must conform with Form 1099 IRS regulations. Please provide me with a 1099c or and remove this 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 2023-06-26
Company: Experian Information Solutions Inc.
State: TX
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 wanted to update you on my ongoing situation with a credit agency. Despite my numerous attempts to rectify the errors by certified US postal mail, I have only received a generic stall letter. The credibility of my correspondence has been questioned and the agency has indicated that further verification is required when I clearly provide three forms of identification. My unfortunate discovery is that this agency may be resorting to unlawful tactics to delay the resolution of my debt claim. I understand that the debt collection industry is notorious for using predatory tactics to exert pressure on people to pay debts that they are not obligated to pay, and I believe that this is what is happening to me as well. 

Despite my attempts to communicate with the data furnisher, they have failed to provide any substantial evidence to support their claim. This led me to request that the credit reporting agency launch an investigation into the matter to ascertain the validity of the debt being reported. 

It is my belief that the agency is employing stall tactics to avoid investigating my dispute. The two generic email I received outlined frivolous reasons why my investigation would not be looked into.

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