BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
XXXX continues to apply unauthorized charges to my CapitalOne ctedit card. 
Contacted them several times : last contact was XX/XX/XXXX - I was told automatic billing error : ref # XXXX - informed me to change my credit card - stated they could not stop charges. 

Disputed charges to CapitalOne XXXX credit card multiple times from XX/XX/2021 - XX/XX/2021. 
CapitalOne filed fraudlent charges and I had to change my card number two times and working on three. case # XXXX XXXX XXXX XXXX - charges were to be blocked without any success.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-03
Company: Experian Information Solutions Inc.
State: AL
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 a victim of identity theft. These accounts from XXXX has been on my report fraudulently the past year violating my fcra rights hurting my ability to purchase a home. XXXX XXXX XXXX XXXX has been reporting on my account fraudulently for over 10 years. 

I wrote to the credit bureau on XX/XX/XXXX requesting an investigation that I believe were outdated. I have received no reply or acknowledgment that an investigation has begun. This is my second request. This is passed the XXXX window and these in accurate fraudulent accounts needs to be removed from my credit file asap. There are even accounts on my report that are not only fraudulent but these accounts have been reporting negative on my credit file for over 10 years. The credit bureaus are not following their own laws. Its been over 30 days. Accounts such as XXXX XXXX XXXX continue to violate my XXXX XXXX rights account # XXXX {$29.00} XXXX XXXX XXXX # XXXX {$190.00} Those accounts have been reporting negative on my profile since XXXX and should be removed asap. XXXX XXXX XXXX has been reporting negative on my profile since XXXX XXXX XXXX  # XXXX fraudulent account as well and refuse to send any validation that verify such accounts. XXXX  # XXXX XXXX  # XXXX. These accounts were all opened under my name and these accounts were not authorized by me. These companies have not verified any information by me. The credit bureau are violating my FCRA rights by continuing to report theses fraudulent inaccurate accounts.

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 2023-01-06
Company: Nelnet, Inc.
State: IL
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:
I have applied for recertification of my XXXX  program and Nelnet refuses to process my recertification saying that my recertification date has not been reached ; nelnet is asking for an almost {$800.00} payment when payments resume! I can not afford such a payment! they refuse to recertify me!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX and Transunion have kept reporting the disputed account claiming that the information they present is accurate, in which I greatly disagree. I am submitting this complaint to you today to request that XXXX and Transunion provide me copies of documents bearing my signature to verify the status of the disputed account. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and Transunion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX and Transunion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. The account below should be corrected : XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$9900.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 value your help in removing a portion of the data in my credit file that came about because of a FRAUD yet I have an ITEMS passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-28
Company: National Auto Lenders, Inc.
State: TX
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:
I have disputed this several times over the past 2 years and it has not been resolved. It is constantly working against my credit score. I am a business owner and my credit is very important to me. I pay all my bills on time. I have also contacted the creditor and have been told that it will be corrected and it has not.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: Paypal Holdings, Inc
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
On XX/XX/XXXX, I made a small deposit ( {$39.00} ) to XXXX XXXX sportsbook using my PayPal account. The purpose of this deposit was to enable PayPal as a withdrawal option for the money I had in my XXXX XXXX sportsbook account. Throughout the course of events, I continued to receive deposit errors for subsequent and larger deposits which lead me to have the attached customer support conversation with XXXX XXXX sportsbook. Per the customer service agent, the only way I could deposit using PayPal would be to add a card to my PayPal account. The other deposit method available to me in the XXXX XXXX app was to add my card directly in their app rather than PayPal. 

From XX/XX/XXXX through XX/XX/XXXX, there were {$34000.00} in withdrawals from XXXX XXXX deposited to my PayPal account. There were times when I then attempted to redeposit to XXXX XXXX using PayPal - and again I received the same deposit errors. So I just retried those deposits using the other method - from my debit card directly in the app. 

On XX/XX/XXXX, in an effort to not lose any more of my winnings, I requested a XXXX month self exclusion from XXXX XXXX sportsbook. I received confirmation of the exclusion on Monday XX/XX/XXXX. This means that I can no longer log in or use this vendor. I then checked the transactions section on my PayPal account and saw that there were a bunch of transactions going back to XXXX XXXX. I immediately contacted PayPal and disputed those transactions since the self exclusion was already in effect. PayPal denied my request within less than a couple hours and sent an automated response. I have appealed this decision multiple times and provided documentation, and PayPal denies the dispute each time.

This has been a gut wrenching experience and Im surely not the only customer who has had to deal with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17
Company: DISCOVER BANK
State: IL
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 recently made a payment for my discover now credit card. When I was making the payment I noticed that I was 2 days late in making the payment. The thing is, I never go a reminder on the due date of my next payment. If I knew, i would have paid it. I recieved no letter nor email. I will like to fix this before being penalized for my lack of knowledge. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: EQUIFAX, INC.
State: NY
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 initially sent a series of letters to the Credit Reporting Agencies as well as the Actual Creditor. 

I am fully aware of how reporting works and found evidence of non-compliance in accordance to the E-Oscar and Metro 2 format. 

XXXX Account ID : N/A " XXXX. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 6 ) ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; ( ii ) a consumer report that is based upon the consumer 's file as that file is revised as a result of the reinvestigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; '' I have never received any of those. 

Please see attached documents of proof of me sending the letter and the agencies receiving them. In addition to that, please note that they are neglecting my request to modify accounts, which would lead to changes on all agency reports ( as per the carbon copy rules of E-Oscar updates ). 

It is very critical that you please investigate and resolve as this is injurious to my character and is obstructing my capability to obtain mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
Im a victim of id theft. I was alerted to the fraudulent application due to credit monitoring on XX/XX/ which is the same day the scammers applied for the credit card. Ive contacted XXXX XXXX XXXXXXXX multiple times via multiple phone calls, certified mall, CFPB complaint, and occ complaint. Its been over 8 months and my credit report hasnt been update the remove the fraudulent inquiry which resulted in high interest on my recent car loan.

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 2023-01-06
Company: EQUIFAX, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
I did not apply for anything in XXXX and XXXX!! Must be XXXX!! I contacted the below creditors and they said it was done online and not in person. They have NO proof I initiated these inquiries, nor written authorization and have failed to provide any permissible purpose. There are no accounts associated with these inquiries and I ask for their removal from my credit report. 

I have already filed a complaint and was told to come here. 

I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. Section 604 of the Fair Credit Reporting Act ( FCRA ) sets forth requirements, called ( permissible purposes ) that must be met before anyone can inquire a credit file. 

If you have no proof immediately of any or one, I would like it removed immediately.

Please have these fraudulent unapproved inquiries below removed from my Equifax credit report as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. 
EQUIFAX MORTGAGE SER XX/XX/XXXXXXXX XXXX XXXX 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 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 XXXXXXXX XX/XX/XXXX My correct name is XXXX XXXX XXXX and XXXX is XXXXXXXX XXXX XXXX  Please delete ALL fraudulent names from my report My current address - XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Please remove all incorrect fraudulent or older XXXX XXXX XXXX addresses off my report, as they are not deliverable to me by the XXXX XXXX XXXX, and they are not reportable as per the FCRA, since they are inaccurate. 
Please add New Employer : XXXX XXXX XXXX. Do not delete XXXX XXXX XXXX  Thank you for your time and help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: American Collection Systems, Inc. (OH)
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX has called me multiple times about a debt. Each time he is rude and will not send out the debit validation letter so I am able to reach out to the original creditor. I have asked him to mail me the original creditor information and he will not do. I know that I can go back to the creditor and validate the debt before I start working with the debit collector. He is rude and I will not continue to harassed and forced to pay something I do not believe to me the true amount owed.

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 2023-01-06
Company: Experian Information Solutions 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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records 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 EXPERIAN XXXXXXXX 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 2021-08-03
Company: COAST PROFESSIONAL INC
State: IN
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I contacted the company listed on my credit report as owning my student loan debt. I was incarcerated for 6 years and a power of attorney did or didnt properly handle some of my obligations, which ones and how they were handled I can not know. So I requested a detailed letter stating that I do owe the debt, payment history, and amount owed. I was told I couldnt be given this information due to privacy concerns. I was then advised to dispute the debt if Coast XXXX  couldnt or refused to prove there was an outstanding debt and for how much. I disputed the debt and it was resolved in that nothing changed in my credit report. So I again contacted Coast XXXX  and asked for the previously requested information. I gave them my address and general contact information and was told they would mail me the information. This was multiple weeks to a month ago and I havent received the information. I feel I have a right to see information about the debt, that it is mine, that I owe on it, that it has or hasnt been partially, fully, or not at all paid. Can I be expected to start payments on something I cant see the details of and have only been explained over the phone? I am unsure. But I am also legitimately unsure how this was felt with by my power of attorney and therefore feel a need to verify the 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 2023-01-26
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CT
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:
Over 15 years ago I took out a HELOC with Webster Bank. Since then I filed XXXX XXXX. The bank was paid {$80000.00} through the Trustee on a balance of {$100000.00}. The XXXX XXXX was dismissed 5 years ago, but the bank still reports me as delinquent. I inquired about my balance not reflecting payments, and the fact that my account was now showing $ XXXX balance despite payments. I paid my attorney to look into this as well. I believe their balance and accrued interest etc is incorrect since they started from the wrong balance. I also believe they have written this account off some time ago. I do not get collections calls, nor do they send me bills. The house we had the loan on was foreclosed on, and sold with a clear title yet they still report an equity loan. Despite many calls, the only information I get is what they claim the balance was and that I should contact my lawyer. Having done all this and attempting to rectify the situation I am now trying to purchase the home I live in and have rented for the past 5 years. This HELOC listing is affecting my ability to make this happen. 

This loan was converted by the bank to a standard equity loan not a line of credit before we filed XXXX  XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
No permissible purpose was given. Pursuant to 15 USC 1681b ( a ) ( 1-2 ). Pursuant to 15 USC 1681 ( a ) ( 1-4 ) the banking system is counting on consumer reporting agencies to report accurate and fair information to my credit file which you haven't. by reporting inaccurate information without my written consent first, you are violating my right to privacy which is in direct violation of 15 USC 1681 ( a ) ( 4 ) and The Privacy Act of 1974. You also cant claimed you verified any accounts unless you an prove you did what you suppose to do Pursuant to 15 USC 1681a ( e ) Which defines " investigative consumer report '' personal interviews with neighbors, family and friends and must show proof via affidavit of fact. Pursuant to 15 USC 1681a ( e ) stats that my consumer report should not include any factual information obtained directly from the creditor. If all accounts are not removed in 30 days as stated in 15 USC 1681i ( 1 ) ( A ), I the consumer will seek remedy 15 USC 1681n ( a ) ( 1 ) ( A ) ( B ) ( 2 ) ( 3 ). ACCOUNTS AND INQUIRIES WERE CREATED FROM UNAUTHORIZED USE OF MY SOCIAL SECURITY NUMBER AND CARD I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THE FOLLOWING ALLEGED ACCOUNTS TO 15 U.S. CODE 1602 ( p ). BLOCK AND REMOVE THEM. PURSUANT TO 15 U.S. CODE 1681C-2. THIS FTC REPORT W ERROR. I ALSO DID NOT RECEIVE ANY SERVICES. This is fraud pursuant to 18 U.S.C 1028 ( a ) ( 1-8 ) and can be punished not more than 15 years in jail or a fine.18 U.S.C 1028 ( b ) ( 1 ) ( A ) ( I-ii ).

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