BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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 received a fraudulent charge of {$80.00} on my Capital One credit card. I let Capital One know- I HAVE NEVER RECEIVED GOODS/SERVICES for this fraudulent {$80.00}. 
Expecting me to cave in and pay for something I have never received, they corruptly charged interest on this item, which is now {$190.00}. 
I will fight to the end for what is right, on this fraudulent charge. 
I never received these goods or services and will not pay for something I never received. 
Capital One is a corrupt bank and the world needs to know about them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: EQUIFAX, INC.
State: VA
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: SYNCHRONY FINANCIAL
State: RI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

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 2019-07-31
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:
This problem with XXXX  has started back around XX/XX/XXXX when I filed a dispute against the record they filed on my credit report as XXXX XXXX XXXX. To this day XX/XX/XXXX it is still listed on my credit report as reinvestagton in process. I was disputing that XXXX listed different amounts where it says Past Due and the amount thats charged off. What is also inaccurate is the last date of payment. The last payment I had made on this account was XX/XX/XXXX. Under the fair credit reporting act any investigation that takes over 30 days must be removed. By this incorrect information staying on my report i a paying 14 % interest on the new car loan that Im current on now. I get lower credit offers than what i should qualify for otherwise.

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 2019-02-06
Company: STERLING JEWELERS, 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:
MY NAME IS XXXX XXXX XXXX I AM A VICTIM OF FRAUD IVE REACHED OUT TO THE CREDITORS AND INFORMED THEM THAT THESE ACCOUNTS WERE OBTAINED FRAUDULENTLY. 


LIST OF FRAUDULENT ACCOUNTS 1 ) XXXX XXXX XXXX 2 ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
FAIR CREDIT REPORTING ACT/REGULATION V. Section XXXX of the FCRA and Regulation V generally provide that a furnisher must not furnish inaccurate consumer information to a CRA, and that furnishers must investigate a consumer 's dispute that the furnished information is inaccurate or incomplete. 

I've disputed the accuracy of my payment history on XXXX of my capital one accounts. Disputes made through each credit reporting company and all continue to come back verified as accurate. I've sent certified mail and called reguarding this information and requested documents that show the verification. I have yet received and documents and the inaccurate reporting still shows on my credit profile. 
Delete the late payment history and update the accounts and report them properly to all XXXX credit reporting companies. XXXX, XXXX, and XXXX, each credit reporting company should all have the same exact information nothing should be different.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06
Company: AVANTE
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
There is a collection listed which does not belong to me. I never received a notification or have ever been contacted by this company. I only know about it because I had my credit pulled. Please help me The account shows as Avante # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08
Company: PNC Bank N.A.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XXXX XX/XX/2018 I desposited my school refund and a cashiers chque in the total of amount of {$47.00}, XXXX. 

The monies were available for more than thirty days which my bank PNC then determines the cashiers check was fraudulent and took all the monies back with out an investigation. Are banks insured by FDIC? 

Never in my life have had a check bounce. How will my bills get paid? PNC took all money back and spoke with an investment bankers who said they were not suppose to go in my account and do that without an official investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them 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 2022-12-02
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 called the 3 Credit Bureaus after I purchased a credit report with Experian on XX/XX/XXXX. After receiving a copy of my report, I saw these UNVERIFIABLE accounts on my personal profile, I noticed that there were erroneous accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus on XX/XX/XXXX. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, XXXX, and XXXX, and hoping that these accounts will be corrected. 

XXXX/DEPT OF ED XXXX Balance : {$2400.00} XXXX/DEPT OF ED XXXX Balance : {$4000.00} XXXX/DEPT OF ED XXXX Balance : {$9000.00}

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 2023-05-17
Company: EQUIFAX, INC.
State: MI
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:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-22
Company: Bread Financial Holdings, Inc.
State: MA
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:
In XXXX of 2022, my AAA Visa card was owned by XXXX  XXXX XXXX. I disputed a charge and notified bank. In XXXX, XXXX  XXXX XXXX resolved dispute and sent me a letter confirming charge would be removed. 

In XXXX, 2022, Comenity Bank took over this card from XXXX  XXXX XXXX. They sent my account to a collection agency saying I owed for the XXXX, 2022 charge plus interest. I sent Comenity ( by registered mail ) proof that this charge had been resolved by XXXX  XXXX XXXX. Comenity sent me a letter saying that since they received notification for the XXXX charge in XXXX, I was not eligible for the refund. 

Comenity was NOT the bank holding the card in XXXX of 2022. XXXX  XXXX XXXX was and they resolved the issue. Comenity resurrected a dispute for a charge from another bank and are ignoring my proof that it was resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
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 recently pulled my credit report and XXXX XXXX has my personal information that i did not consent to. this is violating my rights of privacy and needs 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 explanation
Consumer complaint received 2021-08-13
Company: EQUIFAX, INC.
State: NJ
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:
FRAUD ALERT : Proof of COVID deferment was submitted by XXXX. XXXX REFUSES to review official letter. FCBA IS NOT RESOLVED as indicated in letter from XXXX XX/XX/2021. Which is contrary to XXXX  ' results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: EQUIFAX, INC.
State: NH
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:
On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$16000.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$2000.00} ), XXXX XXXX XXXX ( Date Opened XX/XX/XXXX, Balance : {$4000.00} ) XXXX XXXX XXXX  ( Account Number XXXX, Date Opened XXXX XXXX, XXXX, XXXX XXXX {$76.00} ), XXXXXXXX XXXX XXXX  ( Account Number XXXX, Date Opened XX/XX/XXXX, Balance {$0.00} ) .Its been over XXXX XXXX  and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-19
Company: TMX Finance LLC
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
when my car was stolen, I reached out to my insurance company XXXX about the theft. after the police recovered my vehicle, XXXX would not allow me to repair my vehicle and claimed my vehicle to be total loss. when payment was to be issued for the amount of my vehicle, XXXX claimed that my title had an outstanding loan with Title Max. knowing that I have never took a loan out with Title Max I reached out he them about the inaccurate information. when I reached out to Title Max I spoke to a manger by the name of XXXX XXXX. he stated it showed in their system they paid a loan to my finace company for my car. I provided him documents that showed I paid my car off in full and his information was inaccurate. XXXX for title max then stated the loan had been written off in their system and they were no longer able to collect on the loan. I advised XXXX that the loan was fraudulent and that I have had I identity theft in the past and I sent all information certified mail to XXXX and title max showing my identity theft and giving them opportunity to prove if the loan was accurate. this loan was supposedly taken out in the same year as my id theft case. title max never responded to the identity theft package, but instead contacted XXXX to have the check sent over to them for my car. so instead of XXXX issuing the check for my stolen vehicle to me, my money was sent to title max because they claim the loan that was written off in their system could be reopened if paid off. even after proof was brought to both XXXX and Title Max that the loan was fraudulent Title Max still told XXXX to send them my money. I have a police report from XXXX county from 2014 when my id theft case was open, I have an id theft affidavit, a FTC complaint number for id theft, and a payment receipt when I aid my car off from my loan company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: Global Lending Services LLC
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XX/XX/XXXX traded car. Never late with Global Lending. Contacted Global Lending all was fine payment made XX/XX/XXXX for XXXX reversed with help from my bank and them. XX/XX/XXXX calls came. I contacted company got car from all was fine. Contacted Global Lending they said they would let me know. Next thing I know started getting calls called XXXX XXXX XXXX they said they have the title all was handled. I called Global Lending they stated I still owe them the money for XXXX {$570.00}. I worked with them they were looking into it. Next thing I know I am getting calls at least 6 or 7 a day. I said ok I will pay just so they would leave me a lone. I tried they said no this account is closed. You will have to send a money order, cashiers check or XXXX XXXX. I said no. They said they want the payment. I then called and spoke with another overall manager XXXX XXXX said yes they made a mistake and released the title so yes the account is closed. He said he would take care of things and call me back. I got this call and he said well we still want the money. He said send it to the XXXX XXXX XXXX I said if the account is closed how will this be applied. He said we will take care of this. He then informed me that it is going on mine and my husbands credit as delinquent payment. I said we don't owe it and the account is closed. This conversation ended shortly after. Then a tow truck showed up to repo our car. This guy was great he looked a vin and said sorry. I called Global Lending they said we owe money. This repo was sent out by collection dept. Later on in the week another repo came he backed in driveway I ran out he said pay or he is going to repo my car. I said I don't own it don't breach the peace he pulled out of driveway and said ok. I called Global Lending they said this was sent from the delinquent side. Then they started calling my work several times a day. I had this blocked and the calls at least 10 a day came on my phone now they are calling my husbands work over and over again as well as him. He is going to loose his job. It is going on his credit as well as bad credit payment history. I was always on time never missed a payment. I am trying to build up mine and my husbands after our bankruptcy. Please help fix this. I am really trying hard to fix everything. This is messing up our credit. They are leaving messages and calling constantly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
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: Old information reappears or never goes away

Complaint:
I sent out a written request to the three major reporting agency ( XXXX, Equifax, and XXXX ) via XXXX on XX/XX/22. The letter provided current personal information that should be used to properly identify me, the consumer. In my correspondence I also asked that all other personal history be deleted because I was concerned that I might be susceptible to identity theft. I have attached a copy of the receipt from usps and a copy of the document that was sent out on that day. Neither of the three credit reporting agencies has yet to respond to my request or have taken any action to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: EQUIFAX, INC.
State: TN
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:
This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report inaccurate information on the fallowing account. I recently sent you a request to investigate the information previously disputed on my consumer report on XX/XX/ your company has not fixed issue. It is still reporting inaccuracies on my consumer report. Please investigate these accounts and send me an updated report with these changes. As these companies are in direct violation and is subject to 15 U.S. Code 1681i ( a ) and 15 U.S. Code 1681i 5 ( a ) ( i ). Your company is also reporting a chargeoff/collection acccount, I have not recived a 1099c form this company please provide me with one do not update this account delete immediately! 

ACCOUNT NAME : XXXX XXXX XXXX  ACCOUNT # : XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
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:
TransUnion reported correctly on XX/XX/XXXX a XXXX account had been paid in full, raising my score XXXX points. On XX/XX/XXXX they reversed it back to the amount before payoff, lower my credit score XXXX points. I checked with the other two major credit bureaus and they have it correct ( as paid off ). I also checked with my XXXX bank and they verified the correct information had been sent to TransUnion. I have filed 3 request for corrections and TransUnion keeps saying I still have a open account and owe on it.

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 2022-02-09
Company: Freedom Mortgage Company
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Started a refi, initiated by Freedom Mortgage, our existing company, on XX/XX/21. Numerous roadblocks and hurdles, some of which make sense and some are a mystery to me. Received someone else 's paperwork via mail during process. Call placed by workers apparently working from home, using cell phones not connected to company, who introduce themselves and ask for private info so I can prove who I am. When I refuse and call the main line passed from person to person without end. Refi still not done. Told today via email that I must pay off my HELOC with another company because Freedom Mortgage will not honor subordination agreement from my credit union ( standard agreement that credit union states they have used many times with this company and others ) because Freedom Mortgage wants the subordination agreement to say that the mortgage agreeement can increase to an unspecified amount because " of the CARES Act ''. I've tried to reach someone at Freedom Mortgage to ask for more information and have been unsuccessful. 
Biggest concerns : Shared someone else 's personal financial information with me Ask me for my information on a " unsecured line '' Unprofessional communication/passing me from person to person and giving reasons that don't make sense...

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 2023-08-22
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: Information belongs to someone else

Complaint:
I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENTITY THEFT.

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