BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Two weeks ago I was approached by the resident of a prior address to notify me they had turned away a Service processor looking for me. I contacted the Service processor and she could not find my file claiming to have returned it due to my no longer living there.

The only indication she gave to the former resident was that it is for a credit card debt owed to " Capital One ''. I have no personal credit card with Capital One and have disputed this with them in years past as XXXX will detail below. 

I don't know how to find out if they are filing a suit against me, if they are claiming I'm not responding to a judge nor how to address the situation. I have contacted Capital One and they claimed to have charged off and sold the debt and they no longer have anything to do with the account that purports to have my credit tied to it. 

XX/XX/XXXX - I received and responded in writing to a reply to my fourth or fifth dispute to XXXX XXXX, Capital One and possibly one other credit collection agency. Their response lists that I am disputing that I ever signed for, applied for, nor had direct personal responsibility for the discharge of debts on the business credit card issued originally by Capital One. Their reply states to the dispute " A result of identity theft or fraud '' and " Accuracy of Credit Reporting '' ( ON MY PERSONAL CREDIT REPORT ), that according to them " We are uncertain of what you are specifically disputing ''. 

I have sent this same contention as a written dispute from my personal credit file directly to Capital One starting in approximately XXXX of XXXX. I was a part of a business with administrative help that applied and obtained cards for those members/ principals of the business. I found fraud on some of the statements and the business partnership disolved with no assets or activity since approximately XXXX of XXXX. I sent letters disputing the individual fraudulent charges and the personal credit responsibility of the account throughout the period ending XXXX of XXXX. I'm now concerned that the issue is still affecting my credit and being dealt with in a court system I don't have the financial capacity nor proper notice to deal with. 

I'm not sure who to approach given Capital One 's denial of the account ownership and the failure of XXXX XXXX to provide anything beyond statements of an account that should NOT be on my personal credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/XXXX, I accepted an 0 % balance transfer of {$10000.00} from Citibank associate with my card ending XXXX to pay off another credit card for a fee of {$300.00}. I made the minimum monthly payments in XXXX to keep that interest free until XX/XX/XXXX. In XXXX Citibank sent me an erroneous statement that stated that " Your next Autopayment of {$10000.00} will be deducted from your account on XX/XX/XXXX. My spouse contacted them on XX/XX/XXXX, to pay the bill online but a few minutes after paying the full amount of {$10000.00} realized her error and pursuant to the rules that Citbank has ont he credit card called before XXXX that same day to cancell the payment. She called and cancelled that full payment, spoke to XXXX XXXX XXXX on XX/XX/XXXX at XXXX XXXX, to cancel the payment and he agreed to cancel it but would not give her a confirmation order and would not give her his last name but gave her an employee number. She again called Citibank on XX/XX/XXXX when we received notification the full payment was about to be made form Citibank. She spoke to someone in customer service and was placed on hold for over a half hour. Finlly she was able to speak to a supervisor named XXXX on XX/XX/XXXX and they recognized that the payment was cancelled but refused to stop the payment, claiming they needed to see acknowledgement that the payment was paid. They refused to stop the payment or provide their last names. They refused to provide any reference numbers for the cancellation requests. They refused to stop the payment or deal with us in a financially responsible manner. Their customer service is appalling. We paid {$300.00} for a loan of less than a month and they won't recognize our stop payment request or refund our {$300.00} fee. Its infuriating.

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 2021-03-08
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 status incorrect

Complaint:
I have a credit card from XXXX  XXXX XXXX  XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX  XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me two 30 days late. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX  XXXX XXXX  XXXX XXXX with no successful resolution. Experian, XXXX, and XXXX  reporting me 30 days late in XX/XX/XXXX and XX/XX/XXXX. There was an error on their part. I was never 30 days late twice.

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 2019-04-30
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I will refer to XXXX/CitiBank as a single entity as both parties are responsible and neither has taken any action to correct the issue. In XX/XX/2018 I was charged a {$2.00} fee on an Instore XXXX   credit card by CitiBank. I had not used the card in some time and was unaware of the existence of any fee. Without making a single purchase the fees kept compounding and eventually reached a balance of {$220.00} dollars. The entire amount was based upon late fees that originated from a {$2.00} dollar fee issued by XXXX. XXXX made no attempt to contact me and alert me of the fee. My XXXX card was closed and I received a negative credit report that subsequently decreased my credit score. 

As soon as I became aware of the beforementioned excessive balance I paid it off despite the fact that the fees were not valid. I paid it off in attempt to limit the damage done to my credit. I attempted to get assistance in correcting the fees from both XXXX and CitiBank but neither provided a resolution. After doing some research it appears this is a common issue with customer of XXXX/CiitBank. I saw numerous similar reports on the Consumer Financial Protection Bureau website.

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 2023-11-02
Company: EQUIFAX, 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-08
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 : Chapter XXXX Bankruptcy Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX has violated my rights. Or list of inquiries XXXX5 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 explanation
Consumer complaint received 2023-06-05
Company: Experian Information Solutions Inc.
State: NC
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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2023-10-15
Company: EQUIFAX, INC.
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Like I said before I have medicaid and medicare so I shouldn't owe no bills at all and it should be removed for good off my Equifax report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: Fidelity National Information Services, Inc. (FNIS)
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:
Ive reached out to Chex System in regards to a paid debt XXXX XXXX XXXX and dispute because it was showing incorrect information. I sent in documents and communicated. Now company is saying the will no longer take any dispute from me and should be against the law to keep inaccurate information on my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Dear Consumer Financial Protection Bureau, I am writing to complain against Capital One Bank for closing my credit account in XXXX. I opened the account in XXXX as a secured credit card, and I made all of my payments on time every month. In XXXX, Capital One called me and said that there was a security alert on my account and that they needed me to verify my identity. I told them that I was on XXXX  leave from work due to XXXX  and that I could not go to the post office to mail them a copy of my ID. I asked if there was any other way to verify my identity, such as emailing or texting them a picture of my ID, but they refused. 
Capital One then closed my account, which was my longest-standing credit account. This has had a negative impact on my credit score, making it more difficult and expensive for me to borrow money. 
I believe that Capital One 's actions were unfair and discriminatory. They refused to allow me to verify my identity in a safe and convenient way, even though I was on XXXX  leave due to XXXX I am requesting that the Consumer Financial Protection Bureau investigate Capital One 's practices and take appropriate action. 
Thank you for your time and consideration. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Due to covid I was laid off from work : I live in California and we were completely closed down. I struggled and made payment for the 1st 5-6 after covid started but I depleted my savings. I applied for a covid forbearance plan from SPS and that went back and forth and eventually I was approved for a repayment plan ; which would increase my mortgage payment by about {$1400.00} This doesn't help I asked if they could add the balance to the end of the loan and I have not heard back from SPS. Please help me make my payments again ; I was not late on my mortgage and struggled to make payment through all of 2020. Please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: Experian Information Solutions 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 19th 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 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 2021-07-02
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
This company ignore my written request by certified mail, more than a month ago, on XXXX XX/XX/2021. 

XXXXXXXX XXXX XXXX  reports : Online Delivery Unavailable We are not able to deliver your free Equifax Annual Credit Report online. 

How to Request by Mail To request your free Equifax Credit Report by mail, please fill out the attached form ( PDF file ), along with the documents described below, and mail them to : Annual Credit Report Request Service XXXX XXXXXXXX XXXX XXXX, GA XXXX I have already requested the free written credit report my certified mail on XXXX XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: Nelnet, Inc.
State: PA
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:
Prior to returning to school last XXXX I was making payments on my loans with Nelnet loan servicer. I had my payments set up on autopay and when my school reported to NSLDS that I had returned full-time Nelnet automatically put me in an in-school deferment without my permission and zero notification. THIS IS UNACCEPTABLE. Every XXXX of interest I have paid against this loan is GONE and has now increased and been reported to the credit bureau reducing my credit score. Student loan servicers should not be allowed to stop taking payments without the consumer 's permission or any notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: MOHELA
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I had applied for the XXXX income based repayment plan ( now XXXX ) for my student loans in relation to PSLF ( Public Service Loan Forgiveness ) in XXXXXXXX XXXX XXXX. As of XX/XX/2023 the application is still not processed by MOHELA and states that it is under review still. Loan payments are restarting and the payment amount does not reflect what it should be on the income based repayment. I have been on hold hours with MOHELA numerous times and not been able to speak with anyone!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: Experian Information Solutions Inc.
State: NV
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 acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 usc 1681i ( 5 ) i waited 30 days and received my investigation and notice everything was still the same. 
the consumer reporting agencies which is equifix, experian, and XXXX did not modify or removed anything. the date open is not correct, date last active is not correct on all three credit reports, date of last payment is not correct on XXXX credit reports. 

which is violation.this is impacting me from moving forward to a new apartment for my family. 

I attach my previous credit report and my new credit report to show how Experian, XXXX and XXXX violated my Rights

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 2023-10-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE
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: Their investigation did not fix an error on your report

Complaint:
Fraudulent cards was posted to this account and when I called to tell capital one they never removed the charges

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
I need to update my last name with Coinbase. I have submitted required documentation to them several times, and it has been rejected every time. My first record of this rejection was on XX/XX/XXXX ( twice ) and XX/XX/XXXX ( 4 times ). 

I submitted a help request on XX/XX/XXXX ( Case # XXXX - Got married, changed last name ) and got no resolution. The ticket was then closed by Coinbase completely unresolved. 
I submitted an additional request on XX/XX/XXXX ( Case # XXXX - Issues updating legal name ) and, after repeated requests, on XX/XX/XXXX they told me they couldn't update my name because my driver 's license is expired. It's not expired. It expires in 4 months. 

I don't know how to change my name to ensure that I can retrieve my funds. This lack of service and rejection of accurate data feels deceptive at best.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-15
Company: EQUIFAX, INC.
State: FL
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.

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 2023-01-26
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: Account information incorrect

Complaint:
After many efforts, I need your help to have information removed from my credit report with Equifax, XXXX, XXXX, and XXXX XXXX XXXX XXXX ( XXXX ). 

From XX/XX/XXXX to XX/XX/XXXX, I have requested on 4 times ( each ), for the credit bureaus and reporting agencies to remove inaccurate information, information that should not be on my credit report, and information not submitted by its furnisher. 

During the same time period, I notified furnisher providing information by letters to the credit bureaus to no longer share my account information with anyone besides myself. I also requested the furnisher to remove information that should not be on my credit report or inaccurate. 

ITEMS TO CORRECT : Remove XXXX XXXX XXXX This account was included in bankruptcy and charged off the furnishers profit and loss, thereby changing the status ( which is no longer a debt ). Needs to be removed from credit report with Equifax, XXXX, and XXXX. 

Also notified ( mailed 4 letters to 2 address each ) the furnisher, XXXX XXXX XXXX and who has willfully not complied with my requests. 

Remove XXXX File transferred to Dept Of Ed / XXXX and is now a duplicate file and has not been removed by Equifax. 

Remove XXXX XXXX XXXX This file just appeared on Equifax, and I do not have a relationship with this company. 
This is a medical debt that infers I had radiology services ( HIPAA violation ) that I have no knowledge of. I called them and they got aggressive and hang up on me after insisting I owe this debt. I emailed them a cease and desist letter and demanded they remove this from my credit report. 

Remove Bankruptcy I provided XXXX, XXXX, and XXXX with a letter from the court stating they do not furnish information to the credit bureaus. The bureaus were all reporting different information, court location filed incorrect, wrong amount, wrong type, and wrong dates. 

After the bureaus received the court letter, they updated the information based on what the one bureau was reporting, instead of removing the inaccurate information. The information was not furnished by the originator the court. Bankruptcy should not be on my credit report. 15 U.S. Code 1681c ( 6 ) ( a ) ( 1 )

Company response to consumer: Closed with explanation