BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
For the first time I ordered XXXX credit report XX/XX/XXXX I found in my XXXX credit report # XXXX dated XX/XX/XXXX XXXX cards under Capital One Card I tracked five of them ended with last four numbers XXXX, and XXXX I was confused I dont know which one is mine and which is not I found out that Capital One sell cards to another Capital One and both the seller and the buyer claim the debit the cards ended with XXXX or XXXX took me to court it was ended with judgement of dismissal Docket # XXXX copy attached because they did not proof my possession of the cards. Through the credit card report I found two cards opened on XXXX  XXXX, XXXX, two cards opened on XX/XX/XXXX, one card opened XXXX XXXX, XXXX, one card opened XX/XX/XXXX and one card opened XX/XX/XXXX. 
On XX/XX/XXXX I received a letter from Capital One XXXX XXXX XXXX, UT XXXX talking about charge off account in less 30 days if no payment I ignored the letter because it was not my last name ( document # 28 ). On XX/XX/XXXX ( document 27 ), On XX/XX/XXXX ( document 26 ) and XX/XX/XXXX ( document 25 ) letters received from collection agency XXXX XXXX I respond to the last letter disputing the ownership of the card ending XXXX ( document 24 ) I called in Capital One to dispute the ownership and claim a fraud on XXXX, XXXX I received a letter saying no signs of fraud. On XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX I received those letters from collection agency XXXX XXXX I kept calling Capital One with no results I noticed that they are trying to collect information from me to add to their records ( document 18, 17, 16 and 15 ) XXXX XXXX collection agency sell the debit to XXXX XXXX XXXX XXXX collection agency ( document 14 ) I disputed the ownership of the card in my respond letter ( document 13 ) then I received a letter from XXXX XXXX XXXX ( document 12 ), XXXX XXXX XXXX ( Document 10 ), XXXX XXXX , XXXX ( Document 8 ), XXXX XXXX XXXX ( document 7 ) and returned back to XXXX XXXX XXXX ( documents 5, 4, and 2 ) I disputed all ownership but XXXX XXXX XXXX were very aggressive they reported the debit as delinquency account to all credit agencies. 
Please find attached all documents proofs that the last name on the card ending XXXX is not my last name in MASS ID, Passport and SS Card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
XXXX XXXX letters from Bank of America. XXXX letter states they received XXXX applications for a Visa credit card so they are cancelling the XXXX application. The letter did NOT include a phone number to reach out to them for any questions. The XXXX letter states they can't approve the request due to other factors including No deposit or investment balances with Bank of America. Again, they did NOT include a phone number to contact them with questions. I had accounts ( banking and credit cards ) with them about XXXX years ago but closed them all as I was unhappy with their customer service, fees for paper statements/teller transactions and interest rate that I deemed too high. It appears they have kept me active on the marketing side which should have been deleted. When I went into the branch to close out all of my accounts, I specifically told them to remove me and my wife ( who was with me ) from all mailing lists and not to contact us in the future. I was not sure if the application letters were legitimate as there wasn't a contact phone number, until today when the inquiry showed up on my XXXX credit report. In my opinion, they breached my private information by sending out marketing material.

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 2022-09-15
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:
I CALLED ALL THREE CREDIT BUREAU 'S TO FILE A DISPUTE IN REGUARDS TO MY XXXX XXXX CARD. MY ACCOUNT WAS NEVER IN DEFAULT OR LATE. THIS WAS DURING THE COVID19 PANDEMIC.. THIS ISNT FAIR THAT ITS NOT BEEN TAKEN CARE OF AND MAKES ME NOT ABLE TO QUALIFY FOR A MORTGAGE OR A PERSONAL LOAN WHEN IN DISTRESS NEED OF ONE. I'VE TRIED CALLING AND STATED THEY'D FIX THE PROBLEM.. THE EMPLOYEE AT THE STORE WAS THE ONE THAT HAD MADE THE MISTAKE OF CHARGING ME THE EXTRA XXXX XXXX  THAT WASNT SUPPOSE TO BE CHARGED. I'VE NEVER GOTTEN A BILL IN THE MAIL ABOUT IT.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 2023-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am filing a complaint on my own behalf. I have a few accounts that are showing me 30- 60days late and at the time my income was affected by the Pandemic shut down. I am aware that the CARESACT was allowing for consumer protection under the CARES act with creditors offering accommodations. The late payments I'm referring to are from the following months : XXXX ( XX/XX/2022 )

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 2023-07-12
Company: Experian Information Solutions Inc.
State: GA
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, Experian and XXXX XXXX are reporting inaccurate information pertaining to a bankruptcy, all 3 agencies show different information. Under the law all 3 agencies must report same information Experian has file date XX/XX/XXXX XXXX has file date XX/XX/XXXX XXXX has file date XX/XX/XXXX XXXX has Ref # XXXX XXXX has Ref # XXXX Experian has Ref # XXXX XXXX has month of discharge - None XXXX has month of discharge - XX/XX/XXXX Experian has month of discharge - None XXXX shows address - XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX MS XXXX XXXX shows address - XXXX XXXX XXXX, XXXX XXXX, XXXX, MS XXXX Experian shows address - XXXX XXXX XXXX shows Type of Court - US Bankruptcy Court XXXX shows Type of Court - US Bankruptcy Court Experian shows Type of Court - US BKPT CT XXXX shows phone # XXXX XXXX shows phone # XXXX Experian shows none

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 2021-03-17
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: Account status incorrect

Complaint:
XXXX XXXX has failed to prove validation of my debt. They provided me with copies of copies of the contract. That under the Fair Credit Reporting Act is not considered proof/ validation. Validated proof would be the original contract with my wet signature. This account is paid off, so I demand it to be removed from all four credit reporting agencies immediately. They failed to provide proof of my late payments. They failed to remove the late payments and/or remove the account completely from my four credit reports.

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 2021-03-17
Company: EQUIFAX, 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: Account status incorrect

Complaint:
XXXX XXXX has failed to prove validation of my debt. They provided me with copies of copies of the contract. That under the Fair Credit Reporting Act is not considered proof/ validation. Validated proof would be the original contract with my wet signature. This account is paid off, so I demand it to be removed from all four credit reporting agencies immediately. They failed to provide proof of my late payments. They failed to remove the late payments and/or remove the account completely from my four credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Delays in the application process

Complaint:
I have an assumable loan and I called the number to talk to the department that handles assumption loans. NO calls or reps contacted me and can not call to speak to anyone but someone who takes numbers for call backs. Taking 7 business days when I was told it would be up to four business days. I have tried to have a supervisor call me and they have been " messaged '' and they do not call back. I have filed a complaint with the XXXX XXXX XXXX and asked the Escalated Calls dept to help. Even that service center takes phone numbers for someone else to call back. Gets assigned in 24 to 48 hours and they often do not call back. But they " resolve '' the case in 5-10 business days. Meanwhile, my house is not selling on the market this whole time. I have an assumable loan and this can help me sell. This is not timely.

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 2023-05-24
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: Account status incorrect

Complaint:
I've been a loyal customer with XXXX XXXX for years. 

Upon reviewing my Transunion, XXXX, and XXXX credit reports, I observed a missed monthly payment in XX/XX/2022 is listed as a missed payment. 

In XX/XX/2022, I was out of work due to having a medical procedure. I was home recovering which led to financial hardship during this time. Ive had great experience with XXXX XXXX and my goal is to maintain the relationship weve built over the past few years. 

My account history indicates that the past due balance was paid as well as the resulting late fee approximately 15 days later. Further, I have since made timely monthly payments and my account remains in good standing. I realized I made a mistake in falling behind 31 days.

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 2023-10-11
Company: TRUIST FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Since XXXX of XXXX I was getting very little Interest on my Money Market Account at Truist Bank ( XXXX # XXXX ). Twp weeks ago I started to withdraw a total of {$40000.00}. to put into 2 different accounts at another bank. My rates there were over 4 %. I went online at Truist to check my current rate and saw that it was still at .01 %. When I called my local branch of the bank ( XXXX, PA - ( XXXX ) XXXX ) yesterday to question this, I was told that the rates would go down automatically, but UNFORTUNATELY they don't go up unless you call. I was also told that they do not go back to give the interest rate that should have been given in the first place.

I am attaching copies of the last 4 statements. As you can see there were times that I had {$45000.00} - {$50000.00} in this account and received {$.00} - {$.00} interest for the month. The last statement shows that the interest rate was increased to 2.96 % after yesterday 's call. 

Is this even legal?

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 2023-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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: Was not notified of investigation status or results

Complaint:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 use 1681i ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681i ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USX 1681 s-2 A person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or have reasonable cause to believe that the information is inaccurate. 

This is violation after violation after violation. This is causing me stress because I have no hope with this system.

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 2020-05-16
Company: AFNI 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 information incorrect

Complaint:
I received a notification that this company, AFNI reported a XXXX XXXX   balance on my credit Bureau file. I have not had an XXXX XXXX account in over five years and I did not have a balance with them! 
I never received a letter from this company or XXXX  to discuss this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
FILED A COMPLAINT ADJOINING CFPB, XXXX, XXXX & EXPERIAN TOGETHER -- WAS TOLD COULD NOT DO THAT SO THIS VERSION 1 @ A TIME STARTS WITH EXPERIAN TGHE ATTACHED RTEPORT PROVIDED TO MR. XXXX BY A NEW PRIMARY DOCTOR AN EXPERT IN MANY WAYS DETERMINE IN HIS REVIEW OF MEDICAL RECORDS ( THE ONE ' ATTACHED THAT XXXX XXXX : 1. DID NOT HAVE XXXX THEREFORE XXXX XXXX XXXX XXXX BY NUMEROUS MEDICAL ENTITIES WERE NOT NECESSARY & MUST BE DELETED. 
2. THAT AS A XXXX EXPERT DETERMINED THAT MR. XXXX XXXX  IS GREAT & THEREFORE DID NOT NEED A XXXX  THAT DOCTOR WOULD VISITED XXXX XXXX WITHOUT XXXX XXXX CONSENT FOR 3 STRAIGHT DAYS -KEPT PUSHING ON XXXX XXXX TO HAVE XXXX XXXX XXXX XXXX XXXX XXXX THUS ALL BILLING APPEARING ON EXPERIAN CREDIT REPORT NOW OR IN THE FUTURE ASSOCIATED WITH EITHER NEED TO BE DELETED. 
MR. XXXX HAS NOT SOUGHT DAMAGES TO THE MALPRACTICE OF THESE DOCTORS BUT WILL IF CREDIT ABUSE CONTINUES EXPERIAN CONTINUES TO REPORT FALSE NARRATIVES TO HIS CREDIT FROM CLAIMS BY XXXX XXXX, XXXX XXXX & XXXX XXXX XXXX WITHOUT EXPLANATION. 
RECENTLY ALL OF THE ABOVE WERE CONTESTED BUT THE FORM PROVIDED BY EXPERIAN SEEM TO FAIL- THIS WAS REPORTED TO CFPB & SHOULD CONTINUE AS A 2ND COMPLAINT. 
CLAIMS THAT ITEMS LIKE XXXX XXXX WAS SENT TO THE FTC HAS BEEN DENIED AS FTC STATES THEY HAVE NO ACCESS TO CRPB REPORTS. FTC HAS HOWVER ACCEPTED A COMPLAINT AGAINST 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 2021-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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: Was not notified of investigation status or results

Complaint:
XX/XX/2021 - I noticed accounts on my report that didn't belong to me. I immediately sent in a dispute to XXXX, TransUnion, XXXX. 

I didn't hear back so I sent on letters again for a demand for a comply XX/XX/2021. 

Today is XX/XX/2021 and Its sad i still haven't even heard back from these Companies yet.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: ERC
State: CA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I originally disputed this account with XXXX and XXXX XXXX account number # XXXX. I informed the company this was not my debt. At that time I was told that I would not be having this on my credit. Long story short it was on my credit report and now a debt collector has obtained this debt and is harassing me for money. {$180.00} payment. I informed ERC I am the victim of identity theft and I was informed by XXXX XXXX I need to re file a police report. I explained I would not be refilling any more police reports as I previously filed already. I never contracted with ERC or XXXX XXXX XXXX for services and no longer wish to be harassed by these debt collectors and I did not give my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 tenth 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 ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$930.00} XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} US DEPT ED XXXX Balance : {$930.00} US DEPT ED XXXX Balance : {$1300.00} XXXX XXXX  Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX  XXXX Balance : {$760.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXXXXXX Balance : {$3300.00} XXXXXXXX XXXX XXXXXXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX : {$130.00} XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, MO XXXX XX/XX/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 2020-11-22
Company: AmerAssist A/R Solutions, 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: Was not notified of investigation status or results

Complaint:
I have an account from Amerassist AR Solutions on my XX/XX/XXXX report. I sent a validation letter and didnt getting anything confirming that it was me. I would like this account deleted. It does against the FCRA because they didnt verify the debt. I will attach what was send for validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2022-02-05
Company: BB&T CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
Please refer to your XXXX. 

This account is for a XXXX car lease through XXXX XXXX XXXX from 2014 ... 8 years ago. I was put into collections because my last payment was for {$490.00} instead of {$490.00}. That is a difference of XXXX cents. 

I have XXXX children in college, and this is continuing to hurt my credit with all three credit agencies.

Company response to consumer: Untimely response