BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/XXXX and XX/XX/XXXX. 

I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Investigation took more than 30 days

Complaint:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

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: Voss & Klein, LLC
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
VOSS Klein repeatedly contacted me, at work, home, cell phone and they do not even have the file, additionally they reported it pn all three credit reporting agencies and have not removed their reporting, despite age of file ( beyond limitations of state- 3 years ) and not being associated with the file

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: CITIBANK, N.A.
State: AZ
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/23 I attempted to pull out {$12000.00} for a medical procedure from my Citi Bank savings account. I was unable to use the ATM card provided by Citi bank due to a transaction limit. I called and discussed different options such as transfers and wire transfers to other accounts that I could utilize to gain access to the funds. Upon discussing this with multiple reps this day I determined Citi Bank was making it very difficult to gain access to the approximate {$19000.00} I had inside of my savings account. I spoke with one last representative after transferring {$10000.00} via wire transfer to my XXXX XXXX account and discussed that I could not transfer anymore or pull even {$800.00} out of the ATM and that I was highly frustrated that even though I had not reached my {$5000.00} spending limit in the past 3 days, I was still unable to pull out cash to cover the remaining balance of my procedure. He walked me through initiating the wire transfer to my external bank account for the remaining amount in my savings account because I feared at this point that I would not have access to these emergency funds in the future. I initiated that transfer on the phone with him on XXXX for {$8800.00} less the amount for the {$25.00} transfer fee, to my XXXX XXXX account ending in XXXX. I received an email stating it was pending.on XXXX I realized the wire transfer had still not recorded into my XXXX XXXX account. I went to my Citi Bank banking account and noticed I lost all access to my Citi bank account. I was unable to log in and see my balance and verify anything. I called to verify the transfer only to find out that my account was closed! It was referred for closure by Citi Bank and they were unable to disclose why. They did not want to disclose my balance at the time of closure and the reason for closure. I stated multiple times I needed access to these funds for medical purposes. I was referred multiple times to the fraud department and verified my identity a number of ways. They refused to worked with me transferring me multiple times and telling me that my funds will be mailed in the form of a check to my address in XXXX days. I feel Citi Bank did not want to release my funds from the very beginning of this entire transaction. They have {$8800.00} of my funds and will not disclose why they can not release it and why they have closed my account. I have included a photo of a transfer to the Citi bank account when originally funded from the XXXX XXXX account I was attempting to wire money back 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 2023-10-17
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the XXXX credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : 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

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 2023-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX Date : XX/XX/2023 ATTN : XXXX XXXX Department XXXX Ive just reviewed my credit report and noticed the following inaccurate item XXXX with account number XXXX Each bureau has different info in the historical payment data this is inaccurate and all lates need to be removed additionally late payments are illegal and you are violating the right to my privacy. refer to 15 u.s.code 1681 ( a ). 
In the absence of any such verification, I formally request that this information be immediately removed from the credit file you maintain under my Social Security Number. 
Finally, please remove all non-account holding inquiries over 30 days old and add a promotional suppression to my credit file. 
Sincerely, 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 non-monetary relief
Consumer complaint received 2023-03-09
Company: EQUIFAX, 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:
This is my OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX Balance : XXXX XXXX XXXXXXXX Balance : - XXXX XXXXXXXX : XXXX XXXX XXXX XXXX Balance : {$300.00} XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX XXXXXXXX : {$700.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$770.00} XXXX XXXXXXXX Balance : {$120.00} XXXX XXXX XXXX XXXXXXXX Balance : $ XXXX XXXX XXXX XXXX : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX : {$730.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXXXXXX 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 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NA XXXX XX/XX/XXXXXXXX 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 XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These are not my accounts. Please remove 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 explanation
Consumer complaint received 2023-12-08
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX is not marking a payment I made on my credit report. Rather than mark my payment current it marked as ND which dropped my credit report XXXX points. I had extended my loan and was told that it would not affect my credit and even paid my car off before the extension was over.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
his is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, not response via mail or email and i am really disappointed about this happened yje account on. I am authorizing this complaint with proof of the disputes i sent out. Now please I attached my ID and utility bill to show who i am

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: EQUIFAX, INC.
State: NY
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. the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX Account number XXXX Has violated my rights. 

DEPT OF ED/XXXX  Account number XXXX has violated my right. 


15 U.S.C 1681 section 602 A. states a consumer 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 1681 c. ( 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 any 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 explanation
Consumer complaint received 2020-04-09
Company: CITIBANK, N.A.
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I closed my savings account with citibank ( account no XXXX ) on XX/XX/2020 via online chat. The account then disappeared from my online login and I thought it was successfully closed. However, today I received a letter stating that I was charged for $ 30 monthly fee on this account and another {$34.00} overdraft fee. Could not reach the customer service by phone or chat.

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 2022-05-06
Company: EQUIFAX, INC.
State: AL
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:
This account was opened in my name and it does not belong to me. 

XXXX XXXX XXXX {$1700.00} XX/XX/2020 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-21
Company: Experian Information Solutions 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:
Company- XXXX XXXX. Account. XXXX. XX/XX/2015. They are reporting on my credit report a negative and inaccurate account I have know idea why its on my credit report. Please have them remove this negative item that is ruining my credit score and life or I will take immediate legal action on their behalf. I would like for CFPB to do a thorough investigation towards this company. Thank you

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 2020-04-09
Company: AES/PHEAA
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Over the last 2 years I have paid my minimum payment via the Pay as You Earn program, with my current student loan service provider. On months where I am able, I make additional payments above the minimum amount due, in effort to payoff my loan quicker. 

For the last 6 months I have seen that the additional payments I made have only been applied toward the interest balance, and nothing toward to the principal balance. I am not clear as to why any additional payments made above the minimum amount due would not be applied toward the principal balance. Also it does not appear that any portion of the minimum payment is being applied to any portion of the principal balance. 

I first tried to reach the service provider via email on XX/XX/2020 via their online portal with no response. I made a call to the service provider on XX/XX/2020, and spoke to someone who explained it is their policy to apply all payments toward the interest, and that I could not apply any payment toward the principal balance, until the interest is paid off. What was not made clear is how the principal goes down, if all I am doing is paying interest, which keeps getting added on monthly. 

The provider could not explain the policy or how this works, nor how I would ever be able to payoff my loan. I tired to equate my situation to auto loans and home mortgages that are paid ahead, where additional payments can be applied to the principal balance of the loan, so they can be paid off faster. The service provider could not explain and continued to say that all payments are applied to the pending interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: Resurgent Capital Services L.P.
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:
Upon reviewing my consumer reports, I noticed that their were a few errors and then after investigating I have realized that somehow I became a victim of identity theft. I am highly disappointed that the XXXX XXXX and LVN funding llc has knowing participating in reporting these accounts without verifying with me. over 40 days has past since I submitted my written request to have my consumer reports corrected and no one has contacted nor fixed it yet!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
this morning I check my credit report and notice that Transunion has opened an inaccurate account ( XXXX XXXX XXXX ) that has been closed since 2017, has damaged my score, and caused me great harm. I would like for the account to be deleted from my credit report. and XXXX XXXX XXXX hasn't gave me my disclosures, per 15 usc 6802b.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-06
Company: Experian Information Solutions Inc.
State: WI
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 : US Department of EducationXXXX for {$22000.00} on XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX  for {$210.00} on XX/XX/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.

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 2022-03-06
Company: Mandarich Law Group, LLP
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
On XX/XX/XXXX2022, Mandarich Law Group , LLP sent me a collection notice stating that I owe an alleged debt. In violation of 15 USC 1692 ( b ) ( 5 ) the letter was sent with a huge symbol on the envelope indicating that they are debt collector and the communication relates to the collection of a debt which exposes my personal business and also violates my right to privacy. The letter also implies that they are an attorney when they are a debt collector. Pursuant to 15 USC 1962 ( e ) ( 3 ) a debt collector may not use false representation or implication that any individual is an attorney or that any communication is from an attorney. 
In response to the letter, I sent them notification that they have violated my consumer rights, I dispute this alleged debt, and I requested an audit trail of this transaction. 

On XX/XX/XXXX2022, I received a response letter from Mandarich Law Group , LLP that stated they will continue collection efforts despite my notice of dispute and in turn, sent me several duplicate copies of loan terms, several sheets of blank paper, copies of documents that are completely undecipherable, and an incomplete bill of sale to prove they even own this debt. They did not provide me the AUDIT TRAIL I requested and in violation of 15 USC 1692g ) ( a ) ( 4 ), the statement of account provided does not tell where these charges and credits were originated or when.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

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 2023-02-27
Company: LendingPoint Holdings LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I want your office to send my complaint number XXXX XXXX for Lending Point XXXX XXXX XX/XX/2023 because after I filed this complaint, LendingPoint keep calling and emailing me to pay {$2000.00} loan which's fake, I did not recognized and consented, they forged my signature ( I always signed my name with my middle initial ). 
False statements representation trying to collect money, I don't know and don't have loans with XXXX XXXX Bank and XXXX XXXX, I only have one loan with XXXX XXXX Mortgage for my house. You can check it with the Credit bureau. 
LendingPoint LLC reported me to the credit bureau and damaged my credit. 
On XXXX, 2023 I paid the {$2000.00} plus {$370.00} interest because they will accrue interest if I don't pay it now, this is a fraud, I want my money back. If you need more information please let me know. ( Please see attached copy of document I sent with my original complaint ).

Company response to consumer: Closed with explanation