BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
This is my third attempt trying to fix this problem with Capital One. On XX/XX/, I, XXXX XXXX completed an online application with Capital One for a credit card. Capital One never specified the reason they denied me of credit. Capital One base their decision off a credit score with companys XXXX, XXXX, and XXXX. 15 U.S. Code 1681- Congressional findings and statement of purpose 15 U.S. Code 1681 ( a ) ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. According to the Fair Credit Reporting Act Capital One included Congress law base on a decision expected to be used or collected in whole or in part which in law never disclosed being denied of credit. Capital One is using false and deceptive practices against I, XXXX XXXX the consumer! According to adverse action 15 U.S. Code 1681m you can only be denied for insurance and employment purposes only not credit. I, XXXX XXXX is the original creditor. Capital One also violated 15 U.S. Code 1681a ( d ) Consumer Report. ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; According to the Truth and Lending Act I, XXXX XXXX is the the creditor which only a natural person can be an creditor. Capital One denied me of credit which is impossible to do neither in Congress laws speak of being denied of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I am unable to manage the freeze or unfreeze my credit report with www.equifax.com. They provide a service called myEquifax.com. I have been unable to log into this service for several months. The myEquifax.com service does not allow me to log in, or allow me to reset my password. I also can not setup a new account. When I attempt to get help with the myEquifax.com service using the automated phone line, it disconnects me before I can get any help. The automated phone line asks me questions about my credit report and I answer these questions correctly, but it indicates that I did not and then hangs up. Note I had the same problem with XXXX, in order to unfreeze my credit required that I purchase an account with monthly payments in order to unfreeze my credit report. I believe the same thing is happening with Equifax. So these credit companies are not upholding their promise that consumers can manage their credit report freeze without paying them a monthly fee by " obstructing '' any path for consumers to use their free services. This seems to be a pattern of abuse for multiple credit bureaus to force me to purchase a credit monitoring service in order to view my credit report or managed a freeze on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have reached out several times to have this issue corrected and I have never received a response back. I was out of work due to XXXX and had a loss of income and missed a payment. Before XXXX I had a stellar payment history and never missed a payment, also all my deductions going forward are on auto-draft to avoid any late payments. XXXX XXXX is in clear violation of this matter due to the CARES ACT.

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 2021-10-19
Company: Experian Information Solutions Inc.
State: DC
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:
I had a tenant and employee that committed fraud when they signed the agreement with XXXX XXXX  i did not sign the agreement, the agreement was signed illegally without my support and signature. I did note enter into the agreement the woman XXXX who signed the lease, signed up with XXXXXXXX XXXX not me. I need this removed from my credit it is killing my credit score. The agreement was not entered by me it was fraud i did not know about it until I applied for a loan and my credit score was getting hit by XXXX for a debt i did not authorize, sign or even know about.

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 2023-06-28
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:
I am interested in processing disputes on my credit report to delete an remove all inaccurate information with trasnunion. checking my file ive noticed alot of errors. this is hindering my credit report. review an remove the inaccurate information an delete all errors asap.

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 2021-10-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ME
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Capital one Travel rewards booked me a room in NY on Friday XX/XX/XXXX to the XXXX at the XXXX in XXXX. When our family arrived in XXXX to check in the doors were locked and the hotel was closed. After hours on hold I was informed that the reservation was cancelled ( not by me ) unfortunately this took another few hours for them to confirm. There response XXXX at customer line, Im sorry there is nothing we can do. After more time and countless attempts to speak with someone who could rectify I was informed that is is capital ones policy that it could take up to 15 days to get a manager. They let me know that it was cancelled by their third party vendor XXXX XXXX! Neither of which Capital one or XXXX informed us the customer. They blatantly lied and informed me the sent email, which was never done. Leaving my family stranded in XXXX without a room on busy leaf season. They refused to help or return calls with a resolution except its not our fault. We missed scheduled events and the inconvenience was aggravating. So not only did we not receive what we thought would be a nice get away in a quality hotel. We had to come out of pocket, additional expense, time, aggravation and plenty of frustration! Companies should not be allowed to operate in this manner, leave their customers with out any kind of compassion when they are 100 % in the wrong. They should be ashamed of this, especially when it could have been easily rectified by allowing me to speak with someone who actually cared and could fix immediately by reimbursing me for a room I did not want but needed because Capital one created the problem in the first place.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-19
Company: PRESTIGE FINANCIAL SERVICES INC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have carefully reviewed my credit report in Equifax. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-09
Company: HEARTLAND PAYMENT SYSTEMS INC
State: MI
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX of XXXX I received a collections letter from XXXX XXXX XXXX on behalf of the University of XXXX for a Perkins loan. They said I owed {$4400.00} and needed to pay immediately. We settled on 11 automatic payments of {$400.00}. Monthly, from XXXX XXXX to XX/XX/XXXX, {$400.00} was withdrawn from my bank account. After my last payment was withdrawn in XXXX of XXXX, I considered the loan paid off. 

On XX/XX/XXXX, I received a call from Heartland ESCI claiming that I owed still {$1900.00} on the loan. When I checked my credit report, the loan was also listed there, causing my credit score to drop. I asked for a debt verification letter on XX/XX/XXXX. On XX/XX/XXXX I called Heartland ESCI and they said that I was missing three out of 11 payments for the Perkins loan. I called the University of XXXX  Student Loan Collections Office and they also confirmed that 3 payments were missing. I sent over a copy of my bank statement showing the 11 withdrawals. On XX/XX/XXXX, the student loan collection office at the University of XXXX called me back confirmed that they have found the three missing payments. XXXX XXXX XXXX failed to post them to my account and then closed out my account. Instead of the {$1900.00} I supposedly owed, I owed the remainder interest payment of {$160.00}. The closed account went to Heartland ESCI who then damaged my credit trying to collect on a loan I had already paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
Company: CITIBANK, N.A.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. I discovered it in autumn of XXXX when I tried to open a credit card with XXXX XXXX. I believe my information was stolen after my first visit to the US in XXXX and used from XXXX to XXXX to open a number of fraudulent accounts in my name. Unfortunately due to my absence in the country from summer XXXX to autumn XXXX I didnt even though that it might happen as I didnt share my personal information with anyone except employers. During this time I lived in my home country XXXX and also studied in XXXX. I have all the proofs to this. I started fixing this identity theft issue right after I spotted it, by calling to fraud departments in banks where accounts were opened, contacting all credit bureaus, filing a police report, FTC report, IRS report. I sent proofs to banks, credit bureaus. All fraud data was cleared from my credit reports and after talking to investigation teams, most banks closed these fraudulent accounts but not Citi and XXXX XXXX. I tried to contact these 2 banks numerous times, sent all possible proof that accounts are not mine. But they always resolve these not in my favor for various reasons. XXXX is stating that my name was added to an account as a secondary user, but I dont know or ever knew this person that it was added to. Neither lived on addresses connected to that account. I did provide them with all the info and police report as they requested but didnt get a note that it was anyhow investigated or resolved. I contacted them : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and send a police report around that time. But my name was not yet removed from this account. Citi went even further and started selling this account to credit collection agencies and these started reaching out pushing me to pay for something I never owed. Every investigation result they send me is the same template. The investigation team never reached out to me even after they promised me to get me with the investigator. I contacted them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Please assist, as at this point I dont even know what to do as these banks are straight harassing me with no reason for this messing my perfect credit history.

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 2020-03-31
Company: Flagstar Bank, N.A.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On about XX/XX/XXXX we applied for a mortgage to purchase a property in XXXX XXXX, XXXX XXXX. We were told that Flagstar required only a 10 % down payment and a survey was NOT required. After we applied for the mortgage, on XX/XX/XXXX we received an estimated closing cost for {$55000.00}. The estimated closing costs were revised several more times. On XX/XX/XXXX, we received an estimated closing cost of {$86000.00}. Then on XX/XX/XXXX the closing cost again changed to {$47000.00}. None of these closing costs estimates matched the estimates of our attorney at the time. The estimates were all much higher. The whole process with applying for the loan presented problems. Each time we were told the loan would be closed as soon as we sent document A and Document B. After we sent these documents, then it would be just send document C and document D. Initially based on the initial closing cost estimates the loan was expected to close on XX/XX/XXXX but that did not occur. Finally, there seems to be some fraudulence in the ever changing estimated closing costs and that Flagstar gained representation by our very own lawyer XXXX XXXX. I was notified by the attorney I hired, XXXX XXXX on XX/XX/XXXX that he was no longer representing us and that he would be representing only Flagstar Bank in this transaction. He informed me that Flagstar had contacted him to represent them and he accepted their offer. I learned this information upon trying to determine who hired a surveyor company to survey the property without informing me. It was Flagstar bank. This was surprising because Flagstar ( XXXX XXXX ) told us a survey was not required. After learning that we no longer had a lawyer, our loan officer sent us an email stating all they needed to close was the title and they were unsuccessful in getting in contact with MY lawyer, who was really their lawyer. After informing our loan offer that we no longer wanted to proceed with the loan due to all the false information and inconsistencies, we received an email promptly stating they had received the title. All of the challenges with closing this mortgage has led us to the conclusion that Flagstar Bank is involved in fraudulent practices.

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 2022-04-11
Company: Resurgent Capital Services L.P.
State: PA
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:
The FIRST DATE OF DELINQUENCY REPORTED BY THE ORIGINAL CREDITOR XXXX was XX/XX/2016. lvnv illegally re-aged this outdated debt damaging my credit and refuse to remove it. The FIRST DATE OF DELINQUENCY REPORTED BY THE ORIGINAL CREDITOR XXXX  XXXX was XX/XX/2016 lvnv ILLEGALLY RE-AGED this account and refuse to remove it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: First Advantage LNS Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
In XX/XX/XXXX, I went to court for XXXX XXXX XXXX after i moved out in XX/XX/XXXX. In court under oath both XXXX XXXX XXXX and my attorney agreed that i vacated prior and did not owe any damages and monetary penalties. The lease they tried to use was date XX/XX/XXXX when i signed my lease on XX/XX/XXXX for a one bedroom unit and received a two bedroom that was 3x more then my income and i could not afford the unit. I was the only person one my lease that i signed in person in the office and the lease they were trying to present was done online contacted to the locked account that i had no access to. That lease was thrown out of court on XX/XX/XXXX. XXXX XXXX XXXX sold my personal information to a company called National Credit Audit Corporation, XXXX XXXX XXXX, XXXX, TX XXXX. 
this company is trying to collect over {$12000.00} from me and sent me a copy of the same lease that was thrown out of court and agreed as a fraudulent collection by both XXXX XXXX own attorneys as well as the judge in XXXX XXXX. they have placed this on my credit as a eviction and i was not evicted but moved out.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-31
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: Information belongs to someone else

Complaint:
SEVERAL CREDIT CARDS, BANK ACCOUNTS, LOANS WAS APPLIED FOR USING MY PERSONAL INFORMATION I DID NOT GIVE ANY CONSENT TO ANYONE TO USE MY INFORMATION THESE ACCOUNTS WERE OPEN UP FRAUDULENTLYI am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX and Experian 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 2023-08-20
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:
15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information  ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information This account needs to be deleted immediately!!! 

This is my last written request for the inaccurate information to be delete by law. 


I submitted my dispute for the removal of an innacurate account.The account is XXXX. The account IS also furnished by the same creditor so why is all the provided data different? It shows different date of last payment as well as late payments showing up until XXXX which isn't accurate on a charged off account. There are no more payments so why is it showing late payments still? By law the bureaus are required to report consistent and 100 % accurate and you have failed to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-14
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:
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 response to consumer: Closed with non-monetary relief