BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-10
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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 XXXXXXXX Balance : {$0.00} Date Opened : XX/XX/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 2015-11-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
I have XXXX unsecured credit card accounts with Capital One Bank. In XXXX 2015, I applied for a credit limit increase and was denied for arbitrary and unfair reasons. The explanation given was the following : ( 1 ) Too many missed payments on other monthly accounts. 
First, I do not have ANY missed payments or collection accounts reporting on either of my credit reports. Secondly, and to justify the denial, Capital One Bank stated that my credit utilization rate was too high. My credit utilization rate may be higher than 30 percent, however this has nothing to do with my ability to repay my accounts on time each month. 
As a matter of practice, credit card issuers make their money off credit account holders such as myself ; That is those who routinely carry a balance. Therefore, the reasons for denying the credit limit increase have nothing to do with my ability to pay my bill on time. Also, the request was made almost 6 months ago and I currently have a higher credit score than I did at that time, however still am not eligible for a higher credit limit. 
I also believe that due to the number of CFPB complaints made against Capital One Bank, I am being denied credit with the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: EQUIFAX, INC.
State: MO
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 XXXX XXXX on XXXX XXXX as this was an account that was included in my bankruptcy. XXXX sold this to the collection agency after I had already had a XXXX collection agency removed in XX/XX/2020. This is not owed. I have disputed with XXXX and both collection agencies and they still reported it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
On XXXX XXXX I tried to log into my Capital One Credit Card Online Banking, I could n't because the system told me it was blocked. 
When I called the customer service department, one representative told me : My account has been closed because was market as fraud from the XXXX credit bureau, upon a dispute that I 've filled up for a late payment that still was showing up in my credit report since XXXX 2015, after a year ago when I was making all my payments on time. 
They told me I have to call them ( XXXX ) so they can send them ( Capital one ) a letter so they can open my account once again. 
I called XXXX and they told me I have to call Capital One once again because they have nothing to do with that. I have to get in contact with XXXX operators and XXXX managers at Capital One, XXXX operators and XXXX managers at XXXX, plus the uncomfortable waiting time ( Approximated 10 minutes for each person ) And NO ONE, NOBODY could give me a reasonable answer of WHY they 've closed my account? 
From : You have to contact the credit bureau, we ca n't give you an answer, you have to contact them and then we 'll see if we can re-open it, sir I have told you 4 times I CAN NOT GIVE YOU AN ANSWER to the phone hanging up at Capital One twice. 
I had such an awful night, without mention that that night I need it to send some money to my mother in XXXX XXXX and the only way I could do it was with my credit card. In top of everything, without any explanation they shut down my credit score to XXXX, when I was paying my credit card on time since XX/XX/2015 to fix my credit score. 
So, because I could n't have an answer, a letter, a message, or a simple justification from Capital One, nor from XXXX I only can ask to my self something .... Did they closed my account because I was paying on time and they was n't making any money out of me? Did they closed my account because I was paying some collection bills to fix my credit with the same credit card I was as well paying on time, every 15 days? 
I wish someone could give me an answer, because at the end of the day, the results of building and fixing my credit score, turns into a nightmare for me and I totally get the opposite results, because now I do n't have credit and I have to start all over again thanks to Capital One and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I was surprised and appalled to find out that third parties are reporting bankruptcy to the credit bureaus. I was erroneously led to believe that it was the court house and/or Pacer who were reporting to the credit bureaus. So I sent a letter asking how each entity obtained this information. In return, I was told various things from public record or the court court house. 
I immediately looked into this and learned that the NEITHER the Court House NOR the Pacer systems reports to third parties or the credit bureaus. 

Therefore these companies fished for information from public records. They then used the fished information to turn a supposed bankruptcy from a private matter to a public matter, which is a direct violation of my consumer rights. Credit Bureaus are NOT supposed to use Public Records for their reports! 

I did not authorize any third party reporting of supposed bankruptcy. Furthermore, the claim that the Courthouse or Pacer reported the information to a third party or a credit bureau is fraud. 

I demand that the supposed bankruptcy and any accounts associated with it, be removed from my consumer file, immediately. Furthermore, I demand that other third parties and three credit bureaus follow suit.

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 2023-12-07
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
XXXX XXXX Account Closing notification Keep calling customer number and multiple visit to the branch.

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 2022-01-22
Company: Navient Solutions, LLC.
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 status incorrect

Complaint:
These student loans have been defaulted for years due to amount unable to pay. These accounts were closed and due to be removed however they were reported active after 8 years nonactive. This is past statue of limitations and should not have occurred. 
Please help. 
This school previously attended in which loans are from are from a closed down school back in 2007 due to fraud against students. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
A certified letter ( Tracking number : XXXX ) dated XX/XX/2021 was sent to TransUnion showing inaccuracies found on my credit report requesting these inaccurate items to be removed from my credit report. This deletion request letter was accompanied by supporting factual evidence from my credit report. 

As of today, more than 50 days have elapsed since this deletion request was filed with TransUnion. Again, on XX/XX/2021, a second letter was sent to TransUnion demanding that they comply with the deletion request as mandated by the Federal Regulations ( FCRA section 609e, 611, 623 ). 

TransUnion has continued with the unlawful reporting of inaccurate information that has resulted in the loss of employment, business opportunity, denial of credit, and loss of financial standing. To this very day, TransUnion has failed to provide a proper investigation as mandated by FCRA and court rulings that require a proper investigation with supporting evidence. TransUnions act of unlawful and inaccurate information reporting continues to go on unabated with full knowledge of their willful and negligent conduct that undermines my credit as a consumer. 

I hereby request the involvement of CFPBs assistance in ensuring that TransUnion complies with the regulations outlined by 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 explanation
Consumer complaint received 2022-11-13
Company: EQUIFAX, INC.
State: MD
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31
Company: LAKEVIEW LOAN SERVICING, LLC
State: OR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2019 - I made a one time payment from my personal checking account to cover my brother 's mortgage in the amount of {$1400.00}. I specifically told them this was to be used 1 time and to not save my account information for future payment processing. 
On XX/XX/XXXX, my brother called his mortgage and made his XXXX payment by phone, using his own account information. He even sent me a message thanking me again and told me he made his payment and was getting caught up on things. 
On XX/XX/XXXX, the mortgage company drafted his XXXX mortgage payments in the amount of {$1400.00} from my account without authorization. 
I called in on XX/XX/XXXX and XXXX. They informed me only that they did see a payment on XX/XX/XXXX and again on XX/XX/XXXX and that the next payment due was XX/XX/XXXX. They said my brother, XXXX XXXX, would have to contact them. 
XXXX called in on XX/XX/XXXX and was told the refund would take a few days due to the Holidays. I checked my account in XX/XX/XXXX and it still was not refunded. I tried calling all day yesterday and could not get through. I was able to get through today and they confirmed they would not tell me anything without my brother on the line, ( even though they did confirm he had called in on the XXXX and provided permission in regards to the account ). They said it was only good for that day. 
My brother works in the field and doesn't have service to sit on hold for hours to get this resolved. I'd like my money refunded and I'd like the {$34.00} fees refunded 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 explanation
Consumer complaint received 2017-06-23
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I submitted a request to the Department of Education for the forgiveness program and was told I did n't qualify for it because of the type of loan I had. I graduated in XXXX and the only type of loan that was available was the FFEL. It is n't my fault that they type of loan that is being forgiven does n't include the type that I have. I was n't allowed to change and would n't get any credit for the payments I have made. I still have over {$30000.00} outstanding and having been working at a nonprofit since XXXX. This needs to change. I was misled or would have attempted to refinance long ago so that I would have the 120 payments credited towards my forgiveness. I need help in getting this rectified

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: Experian Information Solutions Inc.
State: IL
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 sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

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 2023-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
In accordance with 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. 

Account name : # 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

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 2022-01-22
Company: SYNCHRONY FINANCIAL
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: Credit inquiries on your report that you don't recognize

Complaint:
My credit report shows 19 inquiries made in the last 120 days. These are inquiries I did not approve. The companies are listed on my report as XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX and XX/XX/XXXX, SYNCB on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX TV on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXXXXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX  XXXX on XX/XX/XXXX, SYNCB WALGREENS on XX/XX/XXXX, XXXX  on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX  XXXX XXXX XXXX  on XX/XX/XXXX XXXX XXXX card on XX/XX/XXXX. I also had a credit card with XXXX XXXX XXXX my social security number but incorrect name and address in XX/XX/XXXX. I was able to contact that company and file a fraud claim with them.

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 2023-02-03
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 have been disputing these inaccurate accounts on my credit reports for some time now. XXXX XXXX and XXXX XXXX are reporting accounts that I did not open or authorize and have filed an FTC for and submitted to each credit bureau and yet they are still reporting these accounts. According to the law these accounts were supposed to be deleted from my reports within 7 days of the credit bureaus receiving my FTC report. I have not received any documents from XXXX XXXX, XXXX XXXX or any of the consumer reporting agencies regarding these accounts with sufficient proof this debt belongs to me. These accounts are also reporting multiple inaccuracies which is illegal. It is my right as a consumer to obtain all documents pertaining to accounts on my reports at my request. It is the responsibility of all consumer reporting agencies to properly investigate disputes and ensure they are reporting accurate information on a consumers reports. I am demanding that these accounts are deleted from my credit reports!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX - XXXXThis is inaccurately reporting on my report. 

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 explanation
Consumer complaint received 2023-02-15
Company: Grain Technology, Inc.
State: OH
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:
Ive had issues with logging into their app since I received my loan. I notified them of the issue and screenshots. I was unable to make payment because app would never fully load. I finally figured my only option was to delete and reinstall. Once I did that, I was able to log in and pay however, they still reported me past due. They were made aware of the issues and I sent them pictures of what the app was doing. They alleged they would look into the reporting. They came back and confirmed and error but refused to update my credit bureau report.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently applied for an apartment and I got denied. I don't understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see iterns ; that aren't mine. I got in contact with the police and FTC. I don't understand what's going on but these items are not mine and they all need to be deleted from my credit report XXXX/XXXX.XXXX, XXXX ( acnt # XXXX, ) XXXX  ( accnt : # XXXX ), XXXX XXXX XXXX ( accnt # XXXX ), XXXX XXXX  XXXX ( accnt XXXX ), and these inquiries are not mine either XXXX/XXXX   XXXX  XXXX, XXXX, XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX. Please help me.

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 2021-07-10
Company: EOS Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never had a record with this authority/leaser. I attempted to get in touch with you a few times and request verification of possession however you neglected to send me the important documentation to demonstrate that I actually own this record.

Company response to consumer: Closed with explanation