BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-13
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
Company: BARCLAYS BANK DELAWARE
State: NJ
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:
XXXX  by   XXXX   XXXX   provides a shopping venue for hundreds of vendors including  XXXX ,   XXXX   XXXX  ,  XXXX ,  XXXX , etc. When you make purchase through the website, the vendor provides a cash-back to  XXXX  college savings account. In addition, there is a 1 % cash back from the Barclay credit card and a 4 % cash back from  XXXX  into the college savings account when you pay for your purchase with a Barclay Upromise credit card.
  XXXX   XXXX   XXXX    provides a 2 % cash back on rentals purchased through the   XXXX   website. This past  XXXX , I arranged for three separate car rentals from  XXXX  at three separate times through the  XXXX  website link for a total coast of {$1300.00}. I completed the three rental purchases and paid with a Barclay  XXXX  credit card.
The first reservation was made on  XXXX   XXXX , 2017 for a rental beginning   XXXX    XXXX , 2017 for {$970.00}. The second reservation was made on the same day for a rental beginning   XXXX    XXXX  for {$290.00}. The third reservation was made on  XXXX   XXXX , 2017 for that day for a cost of {$73.00}. All of the reservations were made through the  XXXX  link.
I did not received my 2 % cash back from  XXXX  and submitted an inquiry through  XXXX .  XXXX  responded that  XXXX  stated that I " clicked on a banner ad which rerouted and completed the transaction on the merchant website instead of the  XXXX  site. '' When I asked fro specific details about this banner, I was told " your last click was not through   XXXX   ''. No explanation was provided about the specifics of this ad banner, the mystery click, and how I was transferred to the   XXXX   website from the   XXXX    website. I am attaching the emails related to my inquires and the  XXXX  responses.
As a result of this claim that I transferred out of the  XXXX  site,   XXXX   will not pay the 2 % cash back and  XXXX  will not pay the 4 % cash back. Barclay has paid the 1 % cash back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: Flagstar Bank, N.A.
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Flag star bank recently received my Mortgage account from XXXX XXXX. They did an escrow analysis then raised my mortgage payment from {$3500.00} to {$3700.00} saying theres a {$170.00} mortgage shortage according to what the Maryland says it would cost to rebuild my home. I was not satisfied with their explanation. $ XXXX on my mortgage creates a serious hardship and seems excessive especially since theres plenty of monies in escrow to handle everything. I have talked to my Homeowners insurance company and the Maryland XXXX XXXX XXXX and they also feel that the increase is excessive.

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 2019-07-24
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 CONTACTED TRANS UNION AND THE STATED THEY CAN NOT FIX THE FACT THAT EVEN MY OLDEST ACCOUNT IS 20 YEARS OLD AND  APPEARED 11 YEARS CAN NOT DO NOTHING. THEREFORE I NEED ASSISTANCE TO MAKE IT AS IS SUPPOSED TO SHOW 20 YEARS. 

THANKS 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 2023-07-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Inaccuracies in Consumer Report Dear Capital One Auto, I hope this letter finds you well. I am writing to bring to your attention several inaccuracies present in my consumer report, specifically related to my dealings with Capital One Auto. Attached to this letter as Exhibit COA-111, you will find the evidence supporting my claims. 
It has come to my attention that the consumer report provided by your organization contains information that is not accurate or reflective of my true credit history. These inaccuracies are causing significant challenges for me in securing credit and adversely affecting my financial well-being. 
In light of this situation, I kindly request that Capital One Auto conducts a thorough investigation into the inaccuracies in my consumer report and takes immediate action to rectify them. It is essential that the information provided to consumer reporting agencies accurately represents my creditworthiness and financial standing.

I understand that Capital One Auto has an obligation to ensure the accuracy and reliability of the information it reports to consumer reporting agencies. As such, I expect your organization to promptly correct any inaccurate or misleading information that has been furnished on my behalf.

I kindly request that you provide me with a revised and accurate consumer report that reflects the correct and updated information within the shortest possible timeframe. Additionally, I request that Capital One Auto notify all relevant consumer reporting agencies of the corrections made to my consumer report.

I trust that Capital One Auto will handle this matter with the utmost urgency and ensure that the inaccuracies in my consumer report are rectified in accordance with the Fair Credit Reporting Act ( FCRA ). Prompt resolution of this issue will not only protect my rights as a consumer but also contribute to the fair assessment of my creditworthiness.

Thank you for your attention to this matter. I look forward to receiving a written response within 30 days acknowledging the receipt of this letter and providing a timeline for the resolution of the inaccuracies in my consumer report. 
Yours sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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 requesting again in regard to the inaccurate and unknown things on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 non-monetary relief
Consumer complaint received 2023-02-16
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:
This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items immediately. 

XXXX XXXX XXXX XXXX XXXXXX/XX/2021 XXXX XX/XX/2021

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 2023-04-11
Company: KEYCORP
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
On XX/XX/XXXX, in response to XXXX advertisement from XXXX XXXX XXXX, I tried opening a checking account that offer {$540.00} bonus, after meeting certain requirements. The bank system did not allow me to open the account, I contacted the Bank and kept trying for almost XXXX XXXX MONTH. A financial institution in AMERICA, had flawed systems that couldn't open a simple checking account. 

On XX/XX/XXXX I received an Email that my application was not approved. Then on XX/XX/XXXX I received an Email from XXXX XXXX XXXX informed me to try again ( for the XXXX time ) to apply for the checking accoung. I applied and was approved, over a month later, i still haven't received the DEBIT CARD. 
The Bank System is FLAWED, it still today XX/XX/XXXX the bank showing my Mailing Address wrong, and my physical address wrong. On XX/XX/XXXX I emailed the bank copies of my Driver 's License and social security card as they requested for account opening. 
THIS Bank should stop advertising until it's systems are fixed. It's so painful especially to see a Bank in the US with Flawed Systems trying to take money from innocent American Citizens. I don't trust this bank to have my hard earned money direct deposited into it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Upon closing my account, I was assured by their customer agent that I had paid my entire bill and I would be refunded {$55.00} for the annual fee they had charged to my account that day. All of my purchases had been completed 6 days prior. I asked my refund in the mail. 2 months later I found out that one of my purchases had posted late and I had an outstanding balance of {$22.00} dollars. They did not notify me of this correctly and misinformed me that this payment had posted since payments made days after it had already posted successfully. They then charged me a  XXXX  dollar fee. When I asked them to remove it I had to speak to several customer agents. They then said they would call me back with an agent from their team to resolve these disputes and never did. Total scammers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft and have provided documents such as police report and affidavit of identity that and company will not delete the information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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 I reviewed my credit report and found late payment on the dates below : 120 days past due as of    XXXX   2014   ,    XXXX   2014    90 days past due as of    XXXX   2014    60 days past due as of  XXXX   2014 ,   XXXX    2014  30 days past due as of  XXXX   2014  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 2022-12-14
Company: Experian Information Solutions Inc.
State: AZ
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 ( FCRA ) these creditors have violated my rights for these accounts : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX Due to the following : [ 15U.S.C. 1681 ] Section 602A states that I have the right to privacy.

[ 15U.S.C. 1681 ] Section 604A, Section 2 states that a consumer reporter agency can not furnish an account without my written instruction or consent.

[ 15U.S.C. 1681 ] Section 603 Section 2A, Subsection ( iii ) states that communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons. 

I've attached my driver 's license and proof of current address.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
Company: Aargon Agency, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This Company, which I have no contract with nor have I received service from, reported a collection account against my SSN in the amount of  XXXX  with  XXXX ,  XXXX , and  XXXX  credit reporting agencies. I requested verification and they false recorded me in terms of agreeing with this debt and or me making payments for their satisfactory to keep attaching this debt to me. I requested to obtain written agreement verifying I personally agreed upon this debt and account however Aargon Collection Agency failed to provide adequate to No information at all regarding proof of being my consensual account. Considering they do not have a contract with me for the goods or services they have provided or have they provide adequate proof. I AM NOT OBLIGATED TO PAY FOR THIS ALLEGED DEBT.

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 2023-08-13
Company: EQUIFAX, 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:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I disputed a charge from XXXX for a defective air mattress. The air mattress had a hole in it and deflated within 5 days of purchase. Bluebird rep disputed the whole charge which was incorrect. The charge disputed should have been only XXXX plus tax. Blue bird by American Express denied charge stating no money was due. No other explanation was given By blue bird American Express. I faxed a copy of the receipt and told rep I only wanted to dispute XXXX dollars which is price of defective air mattress and tax. 

The product was defective. I contacted XXXX, XXXX refused to give me my money back. 

I submitted a complaint with help me with my bank .gov they stated to contact CFPb. I just want my money back, I shouldnt have to pay for a defective product.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I dispute the validity of this entire debt. I request validation of this debt per Texas Finance Code. I have disputed this debt with the credit reporting agencies. Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code if you fail to meet code requirements. Delete this tradeline if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) For the purpose of validation provide me with : The name and address of the original creditor, the original date of default or non-payment of the debt with original creditor, the date the debt was transferred from the original creditor to the third party debt collector, the original balance, the current balance, how much you purchased this debt for and any fees added by your agency. Sec. 392.303 ( a ) ( 2 ) and Texas Surety bond information as required by Sec. 392.101. I am invoking Texas Finance Code 392.202 CORRECTION OF THIRD-PARTY DEBT COLLECTOR 'S OR CREDIT BUREAU 'S FILES. I request immediate notification by mail if this alleged debt is sold or transerred per Sec. 392.301 ( a ) ( 4 ). Please note I am fully prepared to pursue my rights for the harm this innacuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter; and ( 2 ) actual damages sustained as a result of a violation of this chapter. I emphatically suggest you get your files in order as I am a litigeous consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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 I reviewed my credit report and found late payment on the dates below : 30 days past due as of  XXXX   2013 I  am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
REACHED OUT TO XXXX, EXPERIAN, AND XXXX IN A XXXX OF XXXX TO DISPUTE VIA PHONE OR ONLINE TO HAVE THIS REMOVED AFTER BEING DENIED FOR A HOME A PROVIDING PROOF THIS IS INACCURATE REPORTING AND THIS INFORMATION WAS NOT FURNISHED BY THE COURTS. THEY CAN NOT TELL ME HOW THIS WAS PROVIDED AND WHO GAVE THEM THIS INFORMATION SO, THIS SHOULD 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