BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
XXXXSubmitted Dispute to TransUnion and provided proof from verification source. 
XXXXContinue to ignore proof and have error remain.

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 2022-12-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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 got an inquiry from capital bank and from XXXX XXXX thats not authorized

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I checked my credit report recently and noticed an outstanding loan of {$24000.00} reported on XX/XX/2022 but it does not belong to me. The company reporting the loan is titled XXXX XXXX XXXX which I do not recognize. I have tried looking up contact information for this company online but I can not find it anywhere. The credit bureau issuing this report is TransUnion, and when I tried to file a dispute with them they have claimed there was no fraud found, which is again incorrect as I have never opened an auto loan with this company. The address on the report is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, which further proves this is incorrectly assigned to me as I have never lived in Texas let alone visited this state.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Dear Sir or Madam : I am writing to complain about the fact that Capital One is trying to charge a residual interest fee to my account after I was finally able to pay off the entire balance of {$3300.00} on XX/XX/. I made two payments in XXXX, one in the amount of {$110.00} on XX/XX/XXXX  and then a second payment on XX/XX/XXXX  in the amount of {$120.00}. This left me with a balance of {$3300.00} which I successfully paid off on XX/XX/XXXX giving me a {$0.00} balance. 
On XX/XX/XXXX, I received an email from Capital One notifying me that I am being charged {$62.00} for interest fees. When I contacted Customer Service, I was told by a supervisor that I am being charged a residual interest fee and can be charged a second residual interest fee next month as well, which makes absolutely no sense because the whole point of paying off a credit card bill is so you dont have to pay interest. I have always paid this bill on time as I was signed up for automatic payments to ensure that I wouldnt miss a payment and the fact that I made not one, but two payments in XXXX is absolutely ludicrous that now I'm being charged an residual interest fee. When does paying off a credit card stop?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-27
Company: Santander Consumer USA Holdings Inc.
State: TX
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 30 days late payment on the date XX/XX/2019. 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 2023-05-25
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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 XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-17
Company: Experian Information Solutions 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:
In accordance with Far Credit Reporting Act XXXX account number # # # # # XXXX ( XXXX  XXXX XXXX XXXX ) and account number # # # # # # # # # # # # # XXXX ( XXXX XXXX XXXX XXXX ) has violated my rights. 
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 also states a consumer report ac can not furnish an account without my written instruction

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 2022-04-17
Company: EQUIFAX, INC.
State: CO
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 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 XXXX # XXXX XXXX XXXXXXXX XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX  # XXXX, has violated my rights.

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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My bank, Capital One, has frozen my accounts without notifying me. They have refused to give me the date they froze it or explain why I was not notified to keep checks from bouncing. I am XXXX and this started when I attempted to change my POA at the bank. I have very credible reason for believing the person acting as POA might drain my accounts. A new POA was drawn up by my attorney along with a letter that this person was to have no further access to my accounts. This was taken to my branch by my new POA on XX/XX/XXXX. They faxed it to their legal dept for approval stating it would be XXXX to 7 days. By XX/XX/XXXX it still had not been approved so I had to go in person to move money from savings. On XX/XX/XXXX a check was returned, this was first and only indication I had that my account had been frozen. Even though I was just out of hospital I had to go back in person because they still had not approved new POA. They said someone had called in alleging a third party had called in pretending to be me. They named my new POA as that party. This is ridiculous as she had no need to pretend to be me- she has my POA and regardless, pretending she would not have given her real name!! They refused to tell me who made the allegations even though they knew I was being harassed by the former XXXX to the point of filing a police report on XX/XX/XXXX. I do not feel it is a coincidence that the allegations had to be made that same week. Her threatening behavior has been constant for over XXXX months now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
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: Account status incorrect

Complaint:
Re : XXXX Mortgage # XXXX In 2020, my wife and I were notified by XXXX that we could participate in a forbearance offer due to XXXX. We decided to participate and did so for a period of XXXX months. At the end of that time, we found out that XXXX, without informing us, had reported us to the XXXX credit reporting agencies as 60 days late. When we found out this negative information was on both of our credit reports, we made a huge payment to bring the account up to date. XXXX never told us of the limited time of the forbearance, XXXX months, nor that we would be required to make a XXXX or 3 month lump sum payment. We were mislead at a time when we were thought we were getting some type of COVId relief. Further the failure of XXXX to timely and clearly inform us that the forbearance had such strict limitations and was actually not a forbearance is disheartening. At the very least, we want the negative, 60 day late payment, reported by XXXX removed from the XXXX XXXX XXXX XXXX reports under our names as at the time we were in the agreed upon forbearance offered by XXXX. I have reached out to XXXX as late as last month with no resolution of this issue. Thank you. 
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 2022-04-17
Company: Resurgent Capital Services L.P.
State: AZ
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:
There was a credit card opened fraudulently in my name through XXXX and sold to Resurgent acquisitions LLC. I have never had knowledge of this account but it is reporting incorrectly on my credit report and I have he right to have an accurate credit report. I demand this be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
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:
This is my 12th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX Balance : {$83000.00} XXXX XXXX XXXX Balance : {$83000.00} XXXX XXXX XXXX XXXXXXXX

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 2022-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am a victim of identity theft. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) have fraudulent accounts on my profile that need to be removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13
Company: Lendmark Financial Services
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Back in the beginning part of XX/XX/XXXX I reach out to the regional of the office never got a response back so I had to keep calling the area manager and new area manager finally called me back she stated that she never got my message. Her name is XXXX and I stated to her that I was given wrong information about my account when I made the payment they applied it to the month of XX/XX/XXXX not XX/XX/XXXX so its showing on my credit report that Im in 30 days late theyre telling me that they can not go back and change it and I told him yes you can because I was given the wrong information I have tried on several occasions to have this matter rectified and to have it reporting correctly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
Company: Experian Information Solutions Inc.
State: IL
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 is incorrect personal information reporting on my credit report. 

I have previously requested the corrections, including my ID displaying the correct spelling of my name and correct address. 

Experian, continue to report the incorrect 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 2023-09-16
Company: WELLS FARGO & COMPANY
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
So I got notified that there is a closed account with Wells Fargo, that was opened in my name. I HAVE NEVER HAD WELLS FARGO EVER IN MY LIFE!!!! But yet they are trying to say I had an account, that is now closed, and has an outstanding balance? Ive reported to these people years ago that I didnt open this fraudulent account, but they refused to close it. I had all my information stolen from me twice in the past 5-7 years, which included my wallet, which had my SSN Card along with all my other stuff, while also my phone was apart of that as well.! Ive seen the numerous reviews of the same things happening to other people, but you never know for sure until its at your doorstep. They said the account ended in XXXX I guessand said over {$1200.00} was owed??? Like cmonjust know that this is in fact the course of action, my attorney has advised me to take, which is give them one final chance to rectify this situation, by deleting this fraudulent account and debt, by asking them on a public, government-run, forum so that the message is verified as being legit, and that if they dont comply, then litigation will commence, and that they will be sued to the fullest extent of the law allowed.

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 2023-07-19
Company: Prosper Marketplace, Inc.
State: FL
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:
Prosper Credit. I had a Prosper Credit Card. Admittedly, the account went late by a couple months. However, they closed the account and locked me out of their system. I tried to make payments four different times by phone. They claimed they couldn't find me in their system without my account number. The account was closed in XXXX. It is now XXXX and I have tried unsuccessfully to make a payment every month since XXXX. They would not or could not allow me to make a payment. Their collection people called me today and asked if I'd like to make a payment over the phone... with 4 months of late fees and over limit charges added on ... .as well as continuous negative reporting on my credit report. I'm furious that this is allowed to exist. They should be fined into oblivion. My credit is RUINED because of their inability to funcion

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 2023-01-10
Company: Experian Information Solutions Inc.
State: MI
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 third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortiXXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$21000.00} XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2018-05-01
Company: Experian Information Solutions Inc.
State: IL
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:
Experian has sent a refusal to investigate my credit file claiming a Suspicious Request which is a FCRA violation. Equifax and XXXX have started investigations based on the exact same request, I sent required information i.e. their internal file number. Additionally, Experians delays add up to more than 30 days which also violates FCRA rules. Please investigate this pattern of gross violations of my rights. I plan to take legal action but I want to create a paper trail. 

The items in question are as follows : Experian XXXX ACCOUNTS XXXX XXXXXXXX not mine XXXX XXXX XXXXXXXX not mine XXXX XXXXXXXX never late XXXX XXXXXXXX not mine XXXX XXXX XXXX XXXX XXXX IL XXXX not mine XXXX XXXX {$84000.00} not mine

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 2022-06-17
Company: U.S. BANCORP
State: PA
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 submitted payment through my online banking through Fulton Bank, through which this credit card is cobranded. Fulton Bank submits those funds electronically Via ACH and was received by XXXX on the same day. My credit card record shows that over {$800.00} was posted on 6-10 by XXXX however as of today, 7 days later, I am being turned down when I try to use my card and XXXX representative is trying to tell me there is a hold on those funds. It seems it would not be lawful for them to place a 7+ day hold on funds that were delivered electronically. I have never experienced this issue in the past.

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 2019-02-28
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I was forced to sign more loans with out any information about why I had to sign. Was told in would not graduate if I did not sign and I was not able to go back to class.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation