BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To whom this may concern, I am writing this complaint to express my tremendous financial distress that I have been facing due to the car accident I had on XX/XX/2022. As a result of the accident, I have had to deal with various issues that have affected my health, finances, and credit score. Unfortunately, I have also been forced to deal with the consequences of the delinquencies on my auto loan and credit cards from XXXX XXXX XXXX, Capital One, XXXX XXXX, and XXXX. I am highly disappointed that XXXX XXXX XXXX failed to inform me of my outstanding auto loan balance, which resulted in delinquencies on my account. My XXXX XXXX Liability Adjuster/Claims Resolution Representative, XXXX XXXX XXXX XXXX me that I would have the option to add the remaining balance to my new auto loan once the claim was settled. However, I did not receive any notification to make a payment on the account to prevent any delinquencies from occurring. As a result, my credit score has been negatively affected, which has brought me further financial distress. Furthermore, Despite my efforts to stay current on my payments, my credit score has dropped from a XXXX to a XXXX, and I have had XXXX missed payments on my credit cards. My income has taken a massive hit since the accident, as my business has only generated {$8000.00} between now and XX/XX/2022, compared to the {$10000.00} a month gross income I was making before the accident. The back and neck soreness that I am experiencing has further added to my physical and financial burden. To make matters worse, I was not informed by my insurance company that I was supposed to show up to the arbitration hearing, which they later settled for 70 % leaning our way which I believed if I was there it would've been 100 %. I urge you to take my complaint seriously and to take the necessary steps to rectify this situation. I look forward to hearing back from you with a positive resolution. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-16
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-16
Company: EQUIFAX, INC.
State: TX
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 accounts stated below has violated my rights : XX/XX/XXXXXXXX - Account # XXXX XXXX XXXX - Account # XXXXXX/XX/XXXXXXXX - Account # XXXX XXXX XXXX - Account # XXXX 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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've sent in information in XXXX and waited for a reply. I should have had some kind of tracking with it because the company never replied. I'm am simply trying to resolve some issues with my credit report. They are addresses I never lived at, names I don't go by, and misspelling etc, with never accounts they I don't recall opening and that flat out are not mine. I had some documentation from XXXX showing that I was a victim of the data breach that they had a while back so I'm sure that where most of this stems from. I've reattached the information in this complaint.

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 2023-03-07
Company: CITIBANK, N.A.
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX my payment of {$240.00} was electronically sent by my bank to Citibank. Payment was due on XXXX. Citibank waited 4 days to credit the payment and then charged me {$30.00} late fee and {$8.00} interest on the past due amount. This is the second time this has happened. Only at Citibank. 

The first incident was the exact same scenario. Wait a day to credit the account and charge late fees, easy. That incident was resolved and credited back but now all subsequent charges will not be credited. How does that work when they are at fault? 

Citibank can do or say what they want, they are the ONLY credit card company I deal with that has this problem. Why is that? How much are y'all making by doing this? 

I have had my account with Citibank since XXXX  and I have never been late with a payment until recently. How is that? Especially when it's electronic from another bank? Let me reiterate, this does not happen with any other credit card company except Citibank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
hello there, yes, I had cleared up a 2016 negative balance that was in my checking account last, and the month of XX/XX/XXXX payments, last month I had wanted to open a new account with the same bank, and several others they told me they was unable, because it was a fraud issue.

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 2019-08-02
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Interoffice emails from banking officer internally deleted. One of the six survived & XXXX XXXX started a review. They can't go d deleted emails or review. ( Repetitive patterns of lies and incompetence as in poor follow through modification reqhezts. Can't find those either ). 
Hired attorney to find out why they didn't let me apply. They stonewalled him, still did not let me apply & now say they would only communicate with him in the bankruptcy but this was two years before the bankrt (? ). Absolutely Kafkaesque! 
XXXX said they would not let me apply for a new loan ( illegal ) & said the advertised rate on the radio was not offered ( violation of her in advertising ). Repetitive patterns of illegality. 
XX/XX/XXXX bankruptcy filing withdrawn on XX/XX/XXXX, not dismissed in 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 2020-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
1/XXXX  XXXX XXXX, does not show my payments. I have NEVER EVER missed a payment. They got the money did not post it. 

2/I never went to XXXX XXXX XXXX, that was fraud.

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 2023-03-02
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: Old information reappears or never goes away

Complaint:
In response to my previous complaint Experian advised that the data providers confirmed that reported info is accurate. However, they did not provide any evidence nor did they indicate when the old information will be deleted according to their records as it is over 7 years old. Therefore, please re-investigate and delete the following accounts as the last payments on these accounts were made more than 7 years ago : XXXX. XXXX XXXX XXXX account XXXX XXXX. XXXX XXXX XXXX account XXXX XXXX. XXXX XXXX XXXX account XXXX XXXX. XXXX XXXX XXXX account 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 2021-03-11
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:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER TO OPEN FRAUDULENT ACCOUNTS IN MY NAME I MA VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX TransUnion and XXXX CRAS. On XX/XX/2021, I mailed XXXX TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2023-11-29
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I review my credit report, I realized that same information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance Owed : {$8900.00} XXXX XXXX XXXX Owed : {$3200.00} XXXX XXXX XXXX Owed : {$8900.00}

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 explanation
Consumer complaint received 2022-04-09
Company: CAPITAL ONE FINANCIAL CORPORATION
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 status incorrect

Complaint:
The XXXX XXXX and XXXX XXXX FCRA states ...... If you made an arrangement with a creditor they can not report your payments as past due. This is as long as your account was already current. This applies to agreements made between XX/XX/XXXX and XXXX  days after XX/XX/XXXX or XXXX days after the XXXX national emergency ends. ** XXXX XXXX XXXX XXXX XXXX reporting late payments to my credit report from months XXXX XXXX XX/XX/XXXX XX/XX/XXXX and XXXX - XX/XX/XXXX. However, I had followed all steps of making a valid payment arrangement which was approved in writing by XXXX XXXX  via the cares act with this company during the con reed periods however the company is still reporting inaccurately to all XXXX of the national credit agencies I was current before and after that time also. you are current on payments and make special arrangements, creditors must report the account as current. Late and missed payments CAN NOT be reported if you have already made arrangements.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This all started when I attempted to transfer {$300.00} from my company issued Bank of America XXXX XXXX XXXX to my XXXX checking to cover {$96.00} worth of overdrafts and bills on XX/XX/XXXX. I went ahead and attempted to pay said bills thinking that the problem was resolved and my account was no longer overdrawn ... until I went into my mobile banking and discovered that one of the bills had incurred another overdraft and the others remained unpaid two weeks later. On XX/XX/XXXX, I attempted to get an account number or some way to pay the bills and was told by the representative that there was no way to access that information. In response, I asked to speak to someone higher up the chain or for a corporate number to see if there was any way to address the issue and only got the mantra of " I can't access that information. '' or " Your bank didn't allow the transfer. '' I have suffered significant damage to my credit as a result of the failures of both Bank of America and XXXX to notify me of the failed transfer in a timely manner. To further the issue, XXXX has disabled my access to online banking on or before today, XX/XX/XXXX, which is a huge issue as I am expecting funds to be deposited that are sufficient to cover all the damages incurred as a result of this mess but do not want to take action until I know they are available. Both companies have been named as I do not know for sure which one I should hold responsible and have had trouble with both in the past. Please, help me sort this out quickly as it could cause me the loss of utilities and a place to live. Files can be provided as needed or should be within company databases.

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 2023-11-29
Company: Experian Information Solutions Inc.
State: NJ
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 just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2023-11-29
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
MY SIGNATURE & ADDRESS DOESN'T MATCH WITH ANY OF THESE CREDITORS THAT'S REPORTING ON MY CREDIT REPORT. I NEED PROOF OF MY SIGNATURE, NAME & ADDRESS TO CONFIRM THE VALIDITY OF THESE TRANSACTION/S.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-02
Company: Bridgecrest Acceptance Corporation
State: KY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I purchased a XXXX XXXX XXXX from formally XXXX now Bridgecrest XX/XX/XXXX I made a down payment of {$2500.00} on XXXX dollar car which should have took my balance to {$8300.00} however I ended up with paperwork saying $ XXXX I made all of my payments on time until running into hardship with having to get the car fixed as well as the car was picked up and serviced for a recall I reported to XXXX after few weeks that I had began to smell gas fumes I didn't feel safe continuing to drive the car I asked to be assisted in getting another car or returning the car I was told by XXXX that I could return the car when I purchased it if I was unhappy with no further obligations due to begin a buy here pay here lot when I tried to do so while looking for another car due needing to continue to get to work bridgecrest would not work with me and told me the information that XXXX XXXX gave me was inaccurate and that I still needed to make payments on the car even when it was in the shop so after not getting help I decided to return the car on XX/XX/XXXX there were issues after another with this car I was sold a lemon after the car was return the car was resold without notice neither was I given a balance all warranty contracts were canceled in XX/XX/XXXX and money was applied back to the balance of the car. there is no way possible that I should owe $ XXXX own a car that I do not have and this was thrown on my credit report with out proper notice this is against the CFPB however on XX/XX/XXXX I requested a 10 day payoff to see what the balance was after canceling all the auxiliaries that was never told to me that i was purchasing until I read the paper work the balance came to XXXX on XX/XX/XXXX as I was still making payments on this car before returning prior to XX/XX/XXXX there is no way that this should be on my report nor should I owe them anything I have reached out and tried to resolve with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: Nelnet, Inc.
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have been on about six 40+ minute phone calls and collectively about 18 hrs of time on hold or on a call back list for my student loan repayment. I finally was approved for my IDR SAVE program on my loans. I was told over the phone my monthly payment would be $ XXXX. Then, on XX/XX/XXXX, after being placed on administrative forbearance since XXXX while interest started accruing on my loans again while Nelnet processed my IDR application I receive a message in my account saying I owe $ XXXX for 12 months starting XX/XX/XXXX. So I set up my auto debit. I logged into my account on XX/XX/XXXXXXXX   to ensure everything was still set up as planned and see that my loan payment is now due on XX/XX/XXXXXXXX  and I owe {$450.00}. I call Nelnet, talk to Patience, was told there was a glitch and that I did only owe {$9.00}, she would fix it that same day. I check my account today XX/XX/XXXXXXXX  and my account now says I have several due dates, the first one on XX/XX/XXXX for now {$460.00}. So I call Nelnet again, now XXXX tells me I owe the {$460.00}, plus the {$9.00}, plus {$1100.00}, plus {$1600.00} and only some of my loans were put on IDR plan due to a glitch and that they should all be put on the IDR plan in the next 4-6 weeks to have one single payment of about {$23.00} once resolved. She then put me on my third administrative forbearance while this paperwork is processed to put all my loans from the same school for the same degree all on the same IDR SAVE plan as they should have been in the first place according to her and everyone else Ive spoken to. During these administrative forbearances to keep my account current/not appear that Im missing payments, Ive accrued {$4300.00} of interest to date, which will continue to climb DAILY while I wait for new paperwork to process over the next 4-6 weeks. I want all my loans on the SAVE program just as I applied for and confirmed with the first customer service person I spoke to for $ XXXX and I should be reimbursed the interest accrued during all these administrative forbearances since XX/XX/XXXXXXXX  until whenever the situation is remedied. Why should I be penalized for your company failing to complete my application and correctly apply the program to my loans due to this glitch?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: EQUIFAX, INC.
State: TX
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: SYNCHRONY FINANCIAL
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: Old information reappears or never goes away

Complaint:
1. ) I had a XXXX account that closed on XX/XX/XXXX and it is still shows on my credit report Disputed Accounts. I owe {$0.00} to XXXX and this account shouldn't appear in my credit report. 
2. ) Another account that's shown in my credit report Disputed Accounts is XXXX/XXXX. This account was closed on XX/XX/XXXX. I also owe {$0.00} on this account and it shouldn't appear in my credit 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