BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-13
Company: NAVY FEDERAL CREDIT UNION
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: Investigation took more than 30 days

Complaint:
It's been over 30 days and the creditor has not updated the information nor provide proof or documentation in regard to a late payment. 
They have not supplied this information and they must delete the alleged late payment on my credit report. Under federal law, they had 30 days to complete the investigation and by failing to do so, the items must be deleted from the report as soon as possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
CapitalOne SavorOne card is supposed to come with an early spend reward : Earn a one-time {$200.00} cash bonus once you spend {$500.00} on purchases within the first 3 months from account opening. XXXX XXXX XXXX  I applied for this credit card when this was offered and used it according to the terms. I did not get the reward amount that was promised. 

Upon further investigation, it seems that the {$200.00} offer did not apply to my account. The {$200.00} offer did not appear in my credit card information sheet that I got after the card has been approved. 

The representative over the phone was not able to identify the reason for this. There was no indicator that could be used to determine how this offer disappeared. 

I find CapitalOne 's application process to be extremely misleading, because at no point in the application process am I supposed to believe that the {$200.00} cash bonus is not applied to all SavorOne cards. I could only possibly be aware of this after the card has been approved. 

Reasons for this could range from discrimination to false advertising or tactics like bait-and-switch.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: Experian Information Solutions Inc.
State: FL
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 request Experian AND XXXX to provide verification and substantiation for certain items on my credit report that were previously blocked due to fraud. I have recently obtained additional information pertaining to these blocked transactions, which suggests that there may be factors necessitating further investigation and clarification.In light of the newly acquired information, it is imperative that Experian establish the veracity of the initial decision to block these items, in accordance with the Fair Credit Reporting Act ( FCRA ). Under the FCRA, I have the right to request evidence and documentation supporting the reasons behind the blockage, specifically in the following contexts :

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 2023-09-13
Company: Experian Information Solutions Inc.
State: PA
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 asked experian and XXXX on numerous occasions to do a investigation on account that have a similiar nmae to be remove experian and XXXX  still have accounts and names such as XXXX XXXX which seem to be very different from XXXX XXXX so why insert this name as well as accounts on my credit file. I understand that XXXX XXXX is a very common name but to insert another individual name all together is just wrong and these company should be held accountable for this because my score dropping XXXX points for these accounts from DEPT OF EDUCATIONXXXX and I can't move forward in my life into this investigated so I'm asking ofr help before seek legal counsel.

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 2021-03-29
Company: ENCORE CAPITAL GROUP INC.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Midland Credit Management XXXX & XXXX ( used a law firm named : XXXX XXXX XXXX ) and sued me and received a judgement for an account that was included in a Police report because that account and amount were fraudulently opened. Amount on record is XXXX!! I forwarded the companies both of them repeated copies of the Police Report # XXXX. Both companies have harassed me contacting me and being very rude. They will not tell me yes they received the information! They went to court and placed a Judgement on my personal credit!! I have the police report that NOTATES this account is FRAUD. I NEED help, because XXXX & XXXX and XXXX will not remove this collection account even after I sent in the official police report! Please help me I just tried to contact All bureaus but they will not remove this collection / judgement accounts from my credit. How can they legally sue me for something already been proven as Fraud??

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-17
Company: EQUIFAX, INC.
State: GA
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:
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 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 a 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have never been presented with any affidavit that would provide validity to your assessment, and its my understanding and belief that no such paperwork exists. Please provide Creditor? Debt Collector Declaration, affidavit of validation of debt creditor. 
TRANSUNION XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$2100.00} XXXX XXXX XXXX ( CLOSED ) XX/XX/XXXX Shows PAYS_AS_AGREED on XXXX nor XXXX Please update to PAYS_AS_AGREED XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX Shows PAYS_AS_AGREED on TransUnion nor XXXX Please update to PAYS_AS_AGREED XXXX XXXX XXXXXXXX XXXX Last reported XX/XX/XXXX Does not appear on XXXX nor XXXX PLEASE UPDATE FOLLOWING ACCOUNTS AS THEY REPORT ON XXXX AND XXXX XXXX XXXX XXXXXXXX ( CLOSED ) Summary {$19000.00} Owner INDIVIDUAL XXXX XXXX Account Status PAYS_AS_AGREED Date Opened XX/XX/XXXX XXXX XXXX XXXXXXXX ( CLOSED ) {$3000.00} Account Number XXXX XXXX Reported Balance {$0.00} Account Status PAYS_AS_AGREED Date Opened XX/XX/XXXX XXXX XXXX  XXXX ( CLOSED ) Summary {$1100.00} Account Number XXXX XXXX Reported Balance {$0.00} Account Status PAYS_AS_AGREED Date Opened XX/XX/XXXX 15 u.s. C 1681b Permissible purposes of consumer reports reported without no written consent 15 usc 1681c -identity theft prevention : fraud alerts and XXXX XXXX alerts without my written consent it is considered identity theft 15 U.S. Code 1681c2 - Block of information resulting from identity theft. a statement by the consumer that the information is not information relating to any transaction by the consumer. 
If credit bureaus are notified about anything on credit report because of identity thrift, they must remove because i never gave consent 15 US CODE 1681A LATE PAYMENTS reporting to my consumer report is ACCORDING to 15 US CODE 1681A titled definitions rules of construction para 2 titled exclusions and sub para a subsection I state that transactions are not included in the consumer report. If there has been an OVERSIGHT, please update to be paid in full. 
15 U.S. Code 1692g - Validation of debts 15 USC 1681 SECTION 602 15 U.S.C. 1681 ] ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

15 USC 1681 SECTION 604 A section 2 ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-29
Company: CCS Financial Services, 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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05
Company: Phoenix Financial Services LLC
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I received a letter on XX/XX/XXXX from Phoenix Financial Service claiming I owe a medical debt of {$1200.00} from a service from XX/XX/XXXX. The service being referred to was paid for by my medical insurance in either XXXX or XXXX. Phoenix Financial Services is stating they are trying to collect a debit that you owe to XXXX XXXX XXXX XXXX. In the letter, it states if I pay within XXXX XXXX XXXX XXXX, I only have to pay {$890.00}. I do not owe any amount of this debt. This debt was paid in full by my medical insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18
Company: Credit Karma, LLC
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I first reached out to Credit Karma about the incorrect information being displayed for my Driver License and state of residency under their application. They reached back and stated that they would close my account to prevent any fraudulent activities and to reopen it I would need to send documents like Driver 's license and SSN for verification. After completing the process the information remained on my account as I waited for 2 months for any changes to take affect. I later reached back to Credit Karma on XX/XX/XXXX about the same issue and stating I never even resided in the state where they had on file for drivers license and that they were clearly mixing up my information with someone else of maybe similar names. On XX/XX/XXXX I reached out to credit karma again about the numerous attempts of resolving this issue and finding out there source from whom they get the information to try and dispute with them. On XX/XX/XXXX they responded claiming that there has not been any changed because they receive their information from XXXX  and that they can only update as soon as XXXX  updates there information. On XX/XX/XXXX credit karma reached back stating that the information regarding my XXXX  listed on there application is tied to the address entered on my Credit Karma account and also the states Motor Vehicle Commission. Conversations continued back and fourth for months me reaching out to XXXX, XXXX, XXXX, and even my local XXXX, to correct any information that may have been on any of those records. I reached back to them on XX/XX/XXXX stating I did all the above including receiving driver 's abstract from XXXX and none of the information they had matched what Credit Karma was displaying. They later replied on XX/XX/XXXX stating the information they had came From XXXX records and because of that they were unable to edit that information. Clearly this has gone no where now for almost 2 years and I need help your help hopefully resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: EQUIFAX, INC.
State: IL
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-14
Company: EQUIFAX, INC.
State: TX
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:
This is my repeated endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$450.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$1300.00} XXXX XXXX XXXX XXXXXXXX* Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$600.00} XXXX XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I need assistance with an overpayment made by my servicer XXXX to cover my property taxes for this year. XXXX has taken 2 disbursements in the amount of {$2600.00}, these have been pulled from my escrow account. Since my loan was sold to XXXX near the time off the 1st installment due date- ( 1st Due date XX/XX/XXXX ) the first installment was already covered by XXXX XXXX XXXX 

I have reached out to XXXX county who has provided the information : This is in response to your two email inquiries. As of today, we show that the first installment was paid by XXXX XXXX with EFT payment on XX/XX/XXXX. The second installment was paid by XXXX with check # XXXX for {$2600.00} on XX/XX/XXXX. 



We show that there are no double payments. If your lender states that the check was cashed, please contact your lender, and send us a copy of the front and back of the cancelled check. 



Thank you, XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX will not issue a refund for the overpayment they have pulled from my account which was erroneous. They will also not send a copy of a cancelled front and back check to verify the payment was pulled by the County. This essentially is misallocated funds, theft from my account as they have not applied it to a County Tax as they should have. 

Additionally when reaching out to this agency- I have spent more than XXXX hours speaking with staff. I could not be connected to a Supervisor or manager. After requesting a call back customer service agents read notes stating I have been contacted by a supervisor- which is false- I have no record of any calls in my call log on the dates notated. During these calls I also get placed on extended holds and the reps disconnect the line after an hour of waiting. Its as if this agency wants to make you wait so long that you give up on your call.

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 2023-06-02
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2023, I was online looking for a private money lender that could refinance my rental property. I came across a company called XXXX XXXX located on XXXX XXXX XXXX, XXXX, VA XXXX. I was told to make a down payment of {$7500.00} for a XXXX loan. I did the wire transfer of {$3500.00} and XXXX transfer of {$4000.00} but up to now, I have not received any funds. I reached out to my bank Truist, but they are not assisting me. 

Bank information where I sent the money. 
Bank Name : XXXXXXXX XXXX Account number : XXXX Routing : 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 2018-06-18
Company: CITIBANK, N.A.
State: MI
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 have complained to XXXX multiple times about a recurring charge of {$380.00} from XXXX on my account. The have sent me two new cards and reversed the charges but can not seem to be able or unwilling to stop the recurrent fraudulent charges. I have spent hours of my time resolving this monthly and wasted time on the phone with XXXX as well. 


XX/XX/XXXX {$650.00} XX/XX/XXXX {$360.00} XX/XX/XXXX {$240.00} XX/XX/XXXX {$380.00}

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 explanation
Consumer complaint received 2023-10-17
Company: EQUIFAX, INC.
State: GA
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  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 a 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. XXXXXXXX XXXX XXXXXXXX was reflected as a late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

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