BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-18
Company: CAPITAL ONE FINANCIAL CORPORATION
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 have a fraudulent account which is showing on my credit report. I have never applied for Capital One and never gave anyone permission to use my personal information for applying to that creditor. I tried to resolve my problem with Capital One but no result. Because of that I'm submitting a complaint to you to help me for removing CAPITAL ONE XXXX Date opened XX/XX/XXXX Balance {$4500.00}, CAPITALONE XXXX Date opened XX/XX/XXXX Balance {$1200.00} and CAPITAL ONE XXXX Date opened XX/XX/XXXX Balance {$4600.00}. Those three accounts are fraud. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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  has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: Bread Financial Holdings, Inc.
State: NC
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:
Comenity Bank is violating 15 USC by failing to mark my credit reports as disputed within 30 days of receiving my written dispute. They have also failed to provide me with complete and accurate investigation results. 

I am requesting that Comenity Bank remove all negative tradelines they are reporting under my social security number to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: OPORTUN FINANCIAL CORPORATION
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX  Has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A SECTION 2 : It also states a consumer reporting agency furnished an account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: Experian Information Solutions Inc.
State: MD
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:
This credit reporting agency has been reporting my personal financial information as a third-party company without permissible purpose. They have reports from XXXX, XXXX and XXXX XXXX negatively impacted my scores. I have contacted this company on several occasions to have them remove. These negative reports off of my credit reporting and they have ignored my requests. 30 days have passed. This is causing me financial hardships and discrimination from other financial institutions as neither of these companies can validate these claims. After several attempts to get them to remove these reports from my file.

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 2020-10-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2019 I was charged {$2800.00} for a car rental that was detained by the police. When I called dollar rental they informed me that they will pick up the car that day. The car agent never put through the request because when I called a month later after seeing a charge on my card she informed me that they never put the request in to pick up the car. She said she would have it fixed and wouldnt be charged for there mistake. I was still charged. They refuse to resolve the issue and my credit card will not remove the dispute since dollar rental is saying charge is valid. My card limit is XXXX but capital one accepted a charge of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: Experian Information Solutions Inc.
State: NY
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:
REGARDING - extension of the student loan repayment pause Due to the economic challenges created by the pandemic, the Biden-Harris Administration has extended the student loan repayment pause a number of times. Because of this, no one with a federally held loan has had to pay a single dollar in loan payments since President Biden took office. 

To ensure a smooth transition to repayment and prevent unnecessary defaults, the Biden-Harris Administration will extend the pause a final time through XX/XX/XXXX, with payments resuming in XX/XX/XXXX. 

HOWEVER - XXXX HAS BEEN HARASSING ME ABOUT LATE PAYMENTS AND INTEREST CHARGES BOTH ON THE PHONE AND IN THE MAIL OVER THE LAST TWO YEARS.

I AM GETTING NEGATIVE NOTICES ON MY CREDIT REPORTING FROM XXXX XXXX ATTACHMENTS BELOW.

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 2022-09-17
Company: FISERV INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A person stole my identity and used the Tele-Check services inside a Casino to withdraw {$980.00} from my Checking Account with XXXX XXXX  XXXX However, due to suspicious several withdrawal attempts by the person that stole my ID, the bank had notified me to verify if that was me. Since I didn't know any of these transactions, the bank has stopped all of payment and advised me to close that account and reopen it with a new account with the XXXX XXXX. 

At the end of XX/XX/2022, I received a Debt Collection letter from TRS Recovery Services XXXX Inc. indicated that I owed {$980.00} and I responded to it a Letter explained that I never went to a Casino or used any Tele-Check services inside a Casino. In the Letter, I told them that Casino has ton of cameras that recorded every moment or services. They can pull out the video at the time of the Tele-Check cashing at their Cash Cage, then they will have the picture of that person that stole my Identity. On XX/XX/2022, I received a Letter from TRS advices me to file this report and provide all the information necessary for them to investigate.

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 2021-06-11
Company: EQUIFAX, INC.
State: SC
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:
Good Day! I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didn't have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed Identity theft/fraud because I did not give them the authorization to run my credit you can see them found attached. Please have these removed asap. I tried contacting them and sending letters and nothing was solved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: Bread Financial 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: Account information incorrect

Complaint:
I have spent almost 50 hours trying to resolve this its extremely frustrating and outrageous. I had an XXXX credit card, I made a purchase back in XXXX for a hair dryer and the cashier was new and accidentally charged me twice for the hair dryer. They assured me that they removed the charge however they DID NOT! This mistake has snowballed into this never ending nightmare which has really had bad effects on my credit report and is now a massive bill in collections even though XXXX has admitted to me on recorded line that they pulled up the transaction and it was a billing error on their end. They said that although it was there fault that they could not do anything to repair the damage because they were not connected to the credit card company! So Im caught in the middle of two corporations and I am getting bullied basically. Its really so frustrating

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I just lost a total of {$1100.00} through XXXX on XXXX XXXX I made one payment of {$100.00} as application fee to one contact through XXXX  for housing application. The man was pretending to rent a room in XXXX WA. After the {$100.00} payment, and that is was all refundable if I did not like the room, he asked me to make an additional payment for deposit and I refused. At that point he stopped answering my messages. I made the payment on contact number : XXXX. 
Then another one reached out to me on the same app. 
I made two payments of {$600.00} and {$500.00} for a total of {$1100.00} to this number as application fee and rental deposit to this person for a room in her so called house in XXXX WA through XXXX XXXX. 
He asked for more and insisted on using only XXXX, pretending that it is fully refundable. After I asked for refund because Am withdrawing my application, he stopped answering. 
I file a police report right away. 
Case # XXXX and contacted my bank to cancel the transaction but they said they are not able to do so.

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 2019-08-28
Company: AES/PHEAA
State: IN
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:
One problem I've had is that I transferred my loan to PSLF in XXXX. At that time I had worked XXXX at two different XXXX colleges since the winter of XXXX, so about 4 years worth of paying on my loans. 
I had my employment certified from both institutions. I called XXXX and they agreed I was eligible for the program. My loans were added and I began paying. It is now fall of XXXX, my payments from the span of XXXX ( my initial hire date ) to XXXX ( when I entered PSLF ) have still not been processed/calculated toward my 120 total payments. 
I called and spoke to them several times over the last few years, including today. I was told that waiting these are called partially processed payments, and that taking two years for the processor is normal. I asked if I could speak to the processor, no. Can I talk to anyone about this that can set some expectations as to when this will move from partially processed to processed, no. Is there any information missing, no. 
Can I know when this will done, no. 
And so on. 
I can't get them to calculate my payments, making it difficult to know what's remaining. Also, I am a salary employee and I take out XXXX ( income based repayments ) but my payments year-to-year have often fluctuated by XXXX of dollars, even with my salary changing maybe 3 to 5 % yearly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-31
Company: Experian Information Solutions Inc.
State: SC
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:
A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following items : 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-19
Company: Experian Information Solutions 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 have requested my credit report and have found some improper information on my credit report. There have been multiple accounts that have been opened without my consent and knowledge. Unfortunately I am a victim of identity theft and my information have been exposed on a data breach and I am in the process of repairing my profile and getting back on tract financially. This was discovered XX/XX/2023

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
Company: Experian Information Solutions Inc.
State: NC
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:
I XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction

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 2022-09-17
Company: Brightfunders, LLC
State: OH
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
Initial contact was made on XX/XX/2022 with XXXX XXXX  Had shopped around for HELOCs and different minimum requirements and closing dates. Proceeded with lower.com because was told could close within 30 days when other companies notified us it would be 45-60. After 45 days attempted to reach loan officer via email and voicemail and did not receive returned call or email for 2 weeks after I left a voicemail for management. That is when we were notified it would be 120 days likely to close. No one contacted us back until they needed a few more things to finalize loan. We were then contacted to set up closing. None of the settlement documents were provided to us nor a loan amortization schedule prior to closing. At closing we were presented with a loan including closing costs that were not previously discussed. We were not provided current rates that were applicable. There was a daily interest rate of $ XXXX with no breakdown or explanation of charges. We have refused to sign closing due to failures in communication during process that we feel would have prompted us to withdraw application sooner. I have all communication in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: Experian Information Solutions Inc.
State: IN
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX SSN- XXXX I have been disputing this for several years and it keeps coming back verify for what reason I do not know this account does not belong to me and is fraudulent and was unauthorized without my permission I would like for this account to be deleted immediately for my credit report I have found a police report which is in the documents this account is fraudulent and does not belong to me 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 2022-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX. Identity Theft XXXX XXXX Account Number : XXXX As A Consumer By Law This Account Must Be Removed Immediately. 
XXXX. Identity Theft XXXX XXXX Account Number : XXXX As A Consumer By Law This Account Must Be Removed Immediately. 
XXXX. Identity Theft XXXX XXXX Account Number : XXXX As A Consumer By Law This Account Must Be Removed Immediately. XXXX. Validate Inaccurate/Reported Late payment XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. XXXX. Identity Theft XXXX XXXX XXXX  Account Number : XXXX As A Consumer By Law This Account Must Be Removed Immediately. XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX, XXXX, XXXX XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX  XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, CA 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 2022-09-17
Company: Self Financial 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:
Two parts outline this nightmare due to selfs predatory lending practices in and inefficient customer service and exorbitant fees. Ive spent my life was perfect credit and only looked to use Self because of the misrepresentations it made on television regarding building my credit. Unbeknownst to me they had signed me up for a credit card as some sort of reward to the end of the term of the first loan which I paid off perfectly however since I did not receive any notice and failed to see where I signed or excepted service of that card I ended up with two late payments for the first time in my life. Self currently has 1000s of these XXXX complaints That clearly defy the fair credit lending act.

Company response to consumer: Closed with non-monetary relief