BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-10
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I applied for capital one credit card online because I suspected mine and my daughters information had been misused with them in the past. They were the only card at the time that would not deny my appication. Then, when I got the card that I provided my social security number and current spelling of my name XXXX XXXX XXXX, they sent a card with the incorrect spelling of XXXX XXXX instead. The card needed activation. My phone number is compromised and therefor I was not able to activate it. I already have been told by police that I have " lost my identity '' although I dont really know how to get it back. after attaching my card to the user name XXXX and they implied that I had a checking account with them in the past that I am not aware of they allowed me to change the password to the online user XXXX. I insisted I need a fresh foot to stand on and I should be able to activate the card. They said, no, we will activate it for you. I was very upset and said to them '' Do NOT '' but they said it is too late and they said you can use the card now. Since I had no other at the time I began to use it. Then, I called them again about some other problems. Then, I noticed that the card they gave me was not reporting in realtime on the CRA that I had access to. They escalated to supervisor and said that they had 30 days to put it on my CRA report but as soon as they put it the account was deleted without explanation. I told them that I have learned how to swim in fraud as I have no other choice at the moment. Then, they called and said that I am not responsible for the balance but did not explain why as it were all my purchased. They also would not close the card. I disputed it with transunion and it was deleted XX/XX/XXXX they send a letter saying taht I am in erroer because my claim with CRA is not fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
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:
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. 
XXXX Account # 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 a account without my written instructions 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 2023-07-07
Company: Experian Information 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: Investigation took more than 30 days

Complaint:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

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 2023-02-22
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:
I have a agreement with WITH XXXX XXXX XXXX {$41.00} monthly and the account will never carry late fees until paid off. Ihave been paying the agreed amount automattically each month without fail. They are reporting me past due. I am NOT past due.

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 2023-07-07
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:
I submitted a letter to the Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 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 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 2023-07-08
Company: Southwest Credit Systems, L.P.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Your company is reporting an account on my credit report inaccurately. I have never opened or given permission to anyone to do so. How did you obtain my personal information? It Is Violating, Intrusive and Illegal. 

These accounts were opened fraudulently, I'm very upset that you have included this inaccurate information on my credit report. 
I have wrongfully been denied credit recently due to the intentional inaccurate information that has caused me a world of trouble financially and emotionally.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: Experian Information Solutions Inc.
State: CA
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 AM A NATURAL PERSON & CONSUMER FILING THIS COMPLAINT. 
DO NOT CLOSE THIS COMPLAINT STATING THIS IS NOT ME! 

The tradeline being reported has a derogatory rating which has caused me serious financial and emotional distress. This has caused defamation to my creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics. 

In order to rectify this situation and ensure my rights have not been violated in any way, I have sent multiple letters and complaints challenging the completeness, accuracy and integrity of the information XXXX XXXX is furnishing. 

LIST OF INACCURACIES FOUND ON XXXX XXXX CREDIT REPORT : ACCOUNT # ACCOUNT TYPE ACCOUNT STATUS DATE OPENED HIGH CREDIT CREDIT LIMIT LAST REPORTED DATE LAST ACTIVE DATE OF LAST PAYMENT PAYMENT HISTORY XXXX XXXX was required to notify me later than 5 days before furnishing the negative information to the consumer reporting agencies, in writing that such furnishing of information was going to take plaXXXX This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). However, I never received documentation that XXXX XXXX complied with this requirement.

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 2023-07-07
Company: Experian Information Solutions Inc.
State: LA
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 had a loan with XXXX XXXX in which I defaulted on the loan. The loan was in collections & the company was in the process of obtaining a court ordered wage garnishment. I received a letter from the attorney representing XXXX XXXX with the outstanding balanced owed. Mailed them a money order for the amount requested yet they are still reporting a balance on my credit report. The balance owed was approximately {$740.00}. There should not be a balance owed on this account.

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: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Yes my name is XXXX XXXX XXXX in present date today is XX/XX/2023 I called Experian today at XXXX XXXX  and spoke with XXXX Representatives from different departments dispute Department and membership Department each kept throwing me back and forth saying it is the responsibility of the other department finally I got upset and told them I would report them there's some misinformation on my credit report that is not being shown they have my credit card usage at {$9200.00} of credit I have over XXXX worth of credit that's not being reported not as dead but as credit I could charge up I asked them to resolve this but they kept throwing me from person to person and not giving me a supervisor when I requested for a supervisor so finally I gave up and told him I would be reporting them now the information on my credit report should show that I have {$24000.00} of credit well they're only reporting 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 2018-05-15
Company: GREAT LAKES
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: Account status incorrect

Complaint:
I've tried contacting the company that holds my account via mail and email to inform them that several of my closed accounts are stating paid in full with 90 to 120 of late payments. This information is incorrect due to me still being enrolled as a XXXX XXXX XXXX at the time a XXXX XXXX XXXX XXXX. My loans were consolidated and paid. The company has yet to update my correct account information. 
Accounts Listed below XXXX DATE OPENED XXXX XXXX XXXX XXXX DATE OPENED XXXX XXXX XXXX XXXX DATE OPENED XXXX XXXX XXXX XXXX DATE OPENED XXXX XXXX XXXX XXXX DATE OPENED XXXX XXXX XXXX XXXX DATE OPENED XXXX XXXX XXXX XXXX DATE OPENED XXXX XXXX XXXX XXXX DATE OPENED XXXX XXXX XXXX XXXX DATE OPENED XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The TransUnion credit bureau is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}. Please update.

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 2022-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I recently pulled my credit report on XX/XX/XXXX and saw many fraudulent inquires on my report. I did try to call and dispute these but was advised by the Transunion XXXX that I needed to file a FTC report and then write the company back with my dispute. The Inquiries that have been reported only report are not mine. Below is the list and dates 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 Again these inquires were not made by me and are fraud and need to be removed from my account.

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 2018-05-15
Company: TRANSWORLD SYSTEMS INC
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
This company has ruined my life. They are reporting Im deceased and Im alive. I was XXXX and a hospital commuted malpractice and now is falsely reporting things that has delayed my tax return, caused problems with jury duty, and got me denied among other things. This isnt fair and Im not dead. I pray to XXXX people stop saying that and speaking bad things on my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I HAVE TRIED TO ADDRESS THIS ISSUE WITH YOU SEVERAL TIMES BANK OF AMERICA FORGED DOCUMENTS WHEN REFININACING MY LOAN AND LIED ABOUT OUR FINANCIAL STATEMENT IN ORDER TO APPOVE THIS LOAN WITHOUT OUR KNOWLEDGE. I HAVE FILED 2 COMPLAINTS WITH YOUR AGENCY WITH NO HELP FROM YOU AT ALL! WE HAVE NEVER RECIEVED A RESPNCE FROM BANK OF AMERICA THEY CALLED AND SAID THEY SOLD THE LOAN SO IT IS NO LONGER THEIR ISSUE, WHEN THEY FORGED THE DOCUMENTS, IT WAS WITH BANK OF AMERICA. 

IF YOU CAN NOT HELP CONSUMERS AGAINS FRAUD FROM BANK AND THEIR LOANS THEN WHO CAN? WHO HAVE DONE ABSOLUTLY NOTHING ABOUT BANK OF AMERICA COMMITTING FRAUD!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: Experian Information Solutions Inc.
State: TX
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 am submitting this CFPB Complaint in accordance with the Fair Credit Reporting Act to request your assistance in removing charge off accounts from my credit file. These accounts have been reported inaccurately, which is negatively impacting my credit score and financial well-being. 
XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$0.00} I would appreciate your assistance in addressing this account that is still being reported on my credit file with a zero balance. I want to bring to your attention that this account have already been paid off in full. Therefore, I kindly request that you conduct an investigation and consider removing this account, as it seems to be having a negative impact on my credit score. Furthermore, I would be grateful if you could provide me with a detailed report outlining the measures taken to rectify the inaccuracies on my credit report. 
XXXX XXXX XXXX XXXX Balance : {$2200.00} This account has already been paid off, as I was informed that it would be removed once the full payment was made. The balance reported for this account is evidently incorrect and misleading. I would greatly appreciate it if you could promptly provide clarification regarding the reason for this inconsistency. The balance seems to be clearly inaccurate, and I kindly request that you rectify the issue by either setting it to XXXX or considering the removal of the item from my record. Despite my attempts to resolve the issue with the creditors, the charge off accounts remain on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX my bill for account SYNCB/WALMART ( XXXX XXXX. XXXX, XXXX ) did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

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 2020-09-30
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
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:
USAA Federal Savings Bank failed to meet their legal obligations pursuant to 15 U.S. Code 1666. ( a ) ( 3 ) ( B ) ( ii ) by failing to send a  complete written explanation to the obligor ( XXXX XXXX XXXX ) of the investigation conducted by the creditor. On XXXX XX/XX/2020, a USAA CEO member relations representative stated that only a partial written explanation of the investigation was required and that further investigation details would only be passed via non-written means ( i.e. telephone ) and can not pursue the matter further due to Visa policy. Specifically, USAA has refused to provide a detailed record of the telephone contact attempts ( i.e. a list of call dates and times ) to me during this investigation. Additionally, the USAA CEO member relations representative acknowledged that their credit card dispute representative did refuse to contact me regarding my case but offered no written explanation for this contact refusal. I have over 1 dozen documented attempts to receive a full written explanation of USAAs investigation and transcripts of those attempts are included with this complaint. As USAA failed to comply with this legal provision [ 15 U.S. Code 1666. ( a ) ( 3 ) ( B ) ( ii ) ] and the obligor continues to make substantially the same allegation with respect to the error, the creditor ( USAA ) has further responsibility to continue their investigation to remedy the credit card error regardless of another financial services company 's policy ( i.e. Visa ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28
Company: U.S. BANCORP
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:
I had an auto loan with US Bank and the vehicle was totaled back XXXX. XXXX XXXX issued a check for {$29000.00} to US Bank on XX/XX/2019, so I thought the loan had been paid off. In late XXXX I receive a statement from USB that my payment was late. I contacted USB and was told they never received the payment. I called XXXX and they cancelled the first check and sent another one. In XXXX I receive a statement showing the loan still outstanding and now I owed 2 month of payments. They also reported me 60 days late with the bureaus. This time I called XXXX first. They contacted USB and was told the 2nd check was never received. I called USB to inquire on why they keep losing the checks. I was told that the check had to go to the loss claim department so I let XXXX know and they issued a 3rd check on XX/XX/2019. They told XXXX that they would reduce the loan to the original payoff and report to the bureaus to correct my payment history to not reflect the late payment. I received a notice from USB on XX/XX/XXXX that they reported me late to the bureaus again. I decided to dispute with the bureaus and just learned that USB claimed the payment history is correct. None of this was my fault and they have hit my credit score by about 100 points  and I'm furious about it. US Bank is run by incompetents!

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