BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The credit bureaus do not respect the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this 1. " XXXX XXXX XXXX '' Is Inaccurate. I Have tried multiple times to have them fix the situation. I also provided proof that the credit bureaus do not match with each other. 
Amount : {$15000.00} 2. " XXXX XXXX '' Was paid In full, Is inaccurate. Is Inaccurate. I Have tried multiple times to have them fix the situation. I also provided proof that the credit bureaus do not match with each other. 
Amount : {$140.00} 3. " XXXX  XXXX '' Is Inaccurate. I Have tried multiple times to have them fix the situation. I also provided proof that the credit bureaus do not match with each other. 
Amount : {$1400.00} 4. " Account Number XXXX '' Is inaccurate Has no listed information for this account just a debt. Is Inaccurate. I Have tried multiple times to have them fix the situation. I also provided proof that the credit bureaus do not match with each other.

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 2023-05-05
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: Information belongs to someone else

Complaint:
I submitted a letter to the Credit Bureaus to delete these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX 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 2021-01-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Summary of explanation written below is that the Capital One XXXX XXXX failed to get a bill to me on time so I could pay on time. This resulted in a late fee and interest charges. I've called Capital One about this twice now. I don't want to have to keep calling, and I expect all fees to be refunded. 

XX/XX/XXXX - Made first purchase using new XXXX credit card issued thru Capital One Retail Services XX/XX/XXXX - Credit card was declined at XXXX check out. Immediately before leaving XXXX store, I called Capital One Customer Service ( XXXX ) to find out why. Customer Service told me that my account was overdue. I explained that I had not yet received an invoice and this was very disturbing since we always pay our monthly balances on all our credit cards to avoid interest charges. I questioned whether Capital One had a problem getting bills to customers on time considering the XXXX mail rush and Covid, however the customer service representative did not acknowledge any bill delivery issues. I am XXXX, and I have never had a problem with credit card companies getting bills to me on time. 

Took this as a sign that something may be wrong with the credit card, so on the same telephone call I told the customer service representative I wanted to pay off the balance and close the account. The customer service representative allowed me to do this, but only with another debit card ... so I paid off the account on the spot in the store to avoid more problems. 

XX/XX/XXXX - This next day I received the missing bill ( attached ) in the mail. It was post marked XX/XX/XXXX, so it was delivered weeks late and was the cause of the account being overdue. 

XX/XX/XXXX ( not sure of exact date ) - Called Capital One customer service back because I was worried that they added late fees to the amount the charged my debit card to close out the account. I was told they charged a {$27.00} late fee. I told customer service I wanted that refunded. Customer service said I'd have to wait ( for a bill ) and ( I believe I'd need to ) call back to to get a refund. On this second call, this customer service acknowledged that bills had been delivered late to other customers. I don't know if this was due to Capital One bill processing or the Postal Service. 

XX/XX/XXXX ( again not sure of this exact date ) - Received the 2nd bill which showed that Capital One had not only charged a {$27.00} late fee, but also {$12.00} in interest. 

I have not called Capital One a 3rd time to ask for a refund ( {$27.00} + {$12.00} and any other charges Capital One might want to add ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-27
Company: EQUIFAX, INC.
State: MD
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:
My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX XXXX-Date of inquiry XX/XX/2021 XXXX XXXX-Date of inquiry XX/XX/2021 XXXX-Date of inquiry XX/XX/2021 XXXX-Date of inquiry XX/XX/2021 XXXX-Date of inquiry XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09
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:
I have disputed the student loan XXXX XXXX XXXX XXXX account with the credit bureau for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal

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 2022-10-12
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am reaching out in regards of the complaint that I have. I was in the a processing of purchasing a home through BMO Harris Bank. XXXX XXXX who was my lender would approve my application and I give her everything she asked for then she would turn around and decline my FHA application. XXXX done this to me three times. It got to the point that I went inside the branch to file a complaint and requested to speak to her manager regarding this matter. The supervisor of XXXX XXXX got back with me until months later. So I applied again and XXXX approved my loan application again. At this point I was very close to closing and didnt want anything to happen. XXXX went from telling me I need XXXX, XXXX to XXXX at closing for my closing cost. I went back up to the branch at speak to XXXX and the branch manager at BMO Harris bank requesting for her supervisor to please take a look at my paperwork because it just wasnt sitting right with me. XXXX and the branch manager was really trying their hardest to help me with my mortgage loan. The manager finally got back to me in late XXXX of XXXX I was suppose to close on my home that XX/XX/XXXX. Two days before my closing date XXXX XXXX once again declined my loan application. I felt like I was being targeted by her because of my race. Her supervisor XXXX XXXX explained to me that my loan application was going to be declined regardless because she done my paperwork wrong. So at this point the guy that was selling the home no longer wanted to wait on BMO Harris and he felt like that BMO was also discriminating against me. Unfortunately someone purchased the home now. XXXX XXXX told me that she would have someone else help me with my loan but to look for another home. I didnt want another home, I wanted that home, the seller took his house off market for almost a year because he was determine to give me the home for myself and children. But he no longer wanted to deal with BMO Harris. I feel like all of this could have be avoided if XXXX would have stepped in when I requested for her to. When I reached out to XXXX to asked why my application was denied again she ignored me. I felt like this was all a game to them and I was taking as an joke. I even reached out to BMO Harris myself requesting to file an complaint and to speak to XXXX. No one from that bank ever followed back up with me regarding this issue. I was treated unfairly. I also work at a bank and I never done a client how BMO Harris done to 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 2021-01-11
Company: Southwest Credit Systems, L.P.
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: Investigation took more than 30 days

Complaint:
I filed a dispute with XXXX, XXXX, and XXXX  in regards to the incorrect items on my credit reports. It has been well over 30 days, and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
i have no knowledge of this account according to the FCRA this item must be removed

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 2021-01-21
Company: WELLS FARGO & COMPANY
State: VA
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 submitted a dispute with XXXX ( XX/XX/XXXX and XX/XX/XXXX ) to dispute a 30-day late payment that Wells Fargo reported for XX/XX/XXXX and provided them with copies of my Wells Fargo statements showing that Wells Fargo made mistakes and I should not have a 30 day late payment on my account. The payment was done 7 days from when it was originally due and I was never past due on my account ( Wells Fargo has me past due incorrectly on my XXXX statement ). After submitting the evidence to XXXX, they sent the information to Wells Fargo, but Wells Fargo validated the late payment even though I provided evidence and XXXX disregarded the evidence and left the 30 day late payment because Wells Fargo " validated '' the late payment. I have disputed this twice with XXXX on XX/XX/XXXX and on XX/XX/XXXX and XXXX completely disregarded the evidence/documents. I called them today XX/XX/XXXX after noticing my disputes were closed but I was not able to get the results online. They said the disputed were closed because Wells Fago validated the late payment. XXXX confirmed even if they are in receipt of evidence, that they dont actually investigate and will go based on what the creditor says. I have been getting the run around and also XXXX refused to connect me with a supervisor and instead they referred me to dispute this with Wells Fargo. Overall, they confirm they receive the dispute and just forward it to the creditor. No actual independent investigation is done at their end and if the creditor is incorrect - they dont do anything and instead keep reporting the late payment on the consumers account. I hope you guys can help me out with this. 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 2018-10-09
Company: Experian Information Solutions Inc.
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 HAVE LIVED IN XXXX XXXX NEVADA SINCE XXXX AND THERE IS A MEDICAL ACCOUNT ON MY CREDIT REPORT FRO, ALABAMA FROM XXXX, OR XXXX FROM XXXX XXXX HOSPITAL IN XXXX, ALABAMA .. THIS S NOT MY DEBT I HAVE BEEN WITH XXXX XXXX XXXX XXXX OF CALIFORNIA FOR OVER 4 YEARS. NOR HAVE I BEEN TO ALABAMA OR A HOSPITAL THERE. THIS IS NOT MY DEBT FROM XXXX.PLEASE REMOVE FROM MY CREDIT FILE

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 2023-11-07
Company: EQUIFAX, INC.
State: CA
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 submitting this written request for an investigation into specific items that I believe have been inaccurately reported. These items contain errors that are causing me both financial and emotional distress due to their adverse impact. The following items should be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These items should be removed from my credit file ASAP. The items listed are entirely erroneous and require correction. I am aware that, in accordance with the law, you are obligated to conduct an investigation within a thirty-day period. I eagerly anticipate your response. Take note that I am the person making this complaint & I give cfpb authority to investigate this claim and I do not consent to an electronic communications. I request all responses be in writing throughtheusps.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2023, I knew I had been hacked. 

The perpetrators hacked my email which lead them to other accounts My checking account was hacked through XXXX for {$990.00}. Charges were attempted at XXXX and XXXX XXXX but declined. My other accounts with XXXX, XXXX, XXXX, Capital One, and XXXX also had fraudulent charges. Capital One was the only company to challenge me. On XX/XX/2023. XXXX at Capitol One called me regarding my account being linked to my XXXX account. I did not know what she was talking about. She kept me on the phone for four hours. On XX/XX/XXXX, XXXX, she called back each time remaining on the phone for four hours.On the XXXX. She called again, and I hah had it. Capitol refused to give me any information on the the charges, or to let me know who had added themselves onto my account. 
Finally, on XX/XX/XXXX, I was able to file a fraud charges with them. as of today I have no idea what they are doing. By the time I was able to claim fraudulent charges, I realized they were accusing me of fraud. I am XXXX XXXX XXXX with an excellent credit rating. No one should ever be treated this way. Capital One allowed someone else to use my account without my approval. They should be held responsible.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-28
Company: FORD MOTOR CREDIT CO.
State: FL
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 following companies have violated my rights. 

1 ) XXXX XXXX XXXX Account # XXXX. 
2 ) XXXX XXXX XXXX  ( XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX ) Account # XXXX. 

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 any payment on a credit card account under any open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: Experian Information Solutions Inc.
State: FL
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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely UPDATED : 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 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 2021-01-21
Company: Bread Financial Holdings, Inc.
State: TN
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 am a victim of identity theft. An account for COMENITYCB/XXXX  with a balance of XXXX is showing on my credit report. I've attempted to dispute this account with COMENITYCB/XXXX  directly and have been told to submit the attached documentation. As this has been ongoing for several months I am now filing this complaint. Attached to this complaint is confirmation of the identity theft from other companies that have had to do similar investigations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
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:
15 US Code 1681e states that every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title.

I am not satisfied with my previous dispute because I have reason to believe that this company did not follow reasonable procedures when investigating the items that I disputed on my credit report, I believe that the company 's investigation was done by an automated eOscar system which is why the investigation yielded inaccurate and false information 15 US Code 1681i ( Section 5 paragraph A ) states that Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) PROMPTLY DELETE that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

From my understanding this company could be held liable for willful noncompliance under 15 US Code 1681n especially due to the statutory and actual damages i've suffered

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 2021-01-21
Company: Profit Services Group
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.

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