BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-04
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
XX/XX/2023 Capital One Attn : Payment Investigations XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Subject : Request to Correct Inaccurate Payment History on Credit Report Account Number : XXXX Case Number : XXXX Dear Sir/Madam, I am writing to request the correction of an inaccurate payment history entry on my credit report regarding my Capital One credit card account. This entry has caused a significant drop in my credit score, from XXXX to XXXX, due to a misunderstanding in transactions when I was trying to close my bank account with an auto payment setup. 

The inaccurate entry includes a late payment and delinquent record of {$25.00} in XX/XX/2023. 
This payment was made on time, and the {$25.00}??? delinquent amount was credited back to my account. 
The drop in my credit score is a result of this misunderstanding and has impacted my financial standing. 
I have never been late on any payment in my lifetime, and maintaining a strong credit history is important to me. 
Enclosed with this letter, you will find a copy of my monthly statement, which clearly shows the credited amount and supports my claim. I kindly request your immediate attention to this matter to rectify the credit reporting error and restore my credit score to its accurate level. 

Request for a thorough investigation into the matter and Removal of the ( ( incorrect ) ) late payment and delinquent record. 
an updated ( 3 credit Bureaus report ) reflecting the accurate information ASAP. 

Thank you for your prompt assistance in resolving this issue. Restoring the accuracy of my credit report and credit score is essential for my financial well-being. Should you require any additional information or documentation, please do not hesitate to contact me. 
I look forward to a swift resolution and appreciate your cooperation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, ca XXXX XXXX, Last 4 ss ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
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/2022 an autopay was applied ( and posted from my XXXX checking account ending in XXXX ) in the statement balance amount to Bank of America XXXX XXXX XXXX XXXX ). Then, on XX/XX/2022, Bank of America took out a duplicate payment from my XXXX account. Creating approximately {$2400.00} credit on my account. I called to resolve the issue when I found out of the error on XX/XX/2022. My phone call was from approximately XXXX hours on this day. I spoke with the Escalation manager, XXXX ( ID XXXX ) and she adamantly refused to expeditiously get my {$2400.00} back to me! We are in a recession and my mortgage and XXXX XXXX credit card bills are due this week... I begged Bank of America to make this right! I begged them to expediate the refund as they " stole '' the money from my bank account. She refused! It will take XXXX days to cut the check and another few weeks for it to mail via snail mail ( XXXX ) to me! I am absolutely horrified that a huge corporation such as Bank of America can steal money from my personal checking account and take their sweet time in returning it back to me ( and it was their mistake )!!! Additionally, XXXX informed me I would not receive interest back! My only request was that they make an exception to policy in light of the economic crisis and overnight the check to me or ... .send it back electronically to the account they stole it from. Neither of which, XXXX would entertain. I want Bank of America to recognize their mistake and give me my money back ASAP!! My bills don't stop because of their theft! To make matters worse, I just obtained this credit card a month ago and this was my first autopay. I have already lost trust in this company and once this is resolved I will be cancelling my card... unless they make me whole! The emotional stress of a corporation stealling {$2400.00} from me with zero accountability is beyond unbearable.

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 2022-11-15
Company: DISCOVER BANK
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
Received an alert that card was being used in XX/XX/2022, called Discover to report it wasn't me. The suspended the card immediately and stated that they'd send a new one, after XXXX weeks later called to report that I didn't receive it and was told it was due to a paymennt being due that they could not send a card, made a payment and was told it would be sent out, couple weeks later called again to state, card had not been received to be that they could not send me a card unless, I called from the number from an extensive fraud alert, that was placed on my XXXX account XXXX called XXXX, not sure how the fraud alert got there, sent them proof of address, copy of ID and a cover letter, called XXXX to verify receipt, the removed extended fraud alert, called Discover back and was told it wasn't removed, waited a week called back and refused to let customer service rep off the phone, after he told me the same, called XXXX on XXXX phone, verfied the information on speaker while rep on mobile phone on speaker. He calmed his attitude and stated he'd heard and will do a soft transfer so that he can explain to a manger that he heard my conversation with XXXX and that he applauds me on how calm I am after reading the notes on how many times, I've called. Once transfered, I got a XXXX on the phone, who stated to me that he told her that I needed a replacement card and they weren't able to send it cause, I had a fraud alert. She was just as unconcerned as all the other managers that I'd spoken to over the last 2 months. I have spent numerous hours on the phone, being transfered to unhelpful managers, having to explain my issue and many departments and inconsistency in the reasons for this issue, never a solution all though, I've done what was expected of me and 3 months later, no results insight.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 have recently contacted XXXX, XXXX, Transunion, and XXXX. 

I recently had a student loan XXXX because I am XXXX  and XXXX  XXXX. 

XXXX and Transunion has this loan as XXXX. That's good. 

My question, and problem, is that they keep reporting late payments from about 5 years ago. I'm XXXX, have XXXX  XXXX  XXXX XXXX, as well as other XXXX  XXXX problems, and it will do no good for me to have the loan XXXX and carry the late payments, which are under dispute. I say under dispute because I received a forbearance or deferment during those times, my income never went up, and thus should've been in forebearance  or deferment. That is proveable as I get XXXX  from XXXX  XXXX  and XXXX. 

Besides that, each of the XXXX entities above claim that the other is the one to delete the " late payments. '' So who would be responsible for doing that and who does what next? 

This is very troubling and confusing. You simply can not get XXXX on the phone... they've set their phone menu up to direct you to their website in EVERY CASE. 

XXXX is so busy that in practicality you can't reach them. 

Only XXXX can be reached on the phone. Otherwise I send messages and they refer to the other party. Now tell me that this isn't a common occurence. People need to know the solution to it, rather than wringing their hands. 

I'd like to get this resolved before I die ... surely my last words wouldn't be that I had late payments on this initial {$15000.00} student loan, that was supposed to be taken off after XXXX service at a low income XXXX. This loan was taken out 35 years ago, and I've suffered enough, with a balance of over {$200000.00} until recently. 

So, which entity starts the process? Who finalizes it? Please help.

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 2023-02-06
Company: EQUIFAX, INC.
State: CA
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 am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
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: Information belongs to someone else

Complaint:
This is my XXXX endeavors 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 XXXX, TX XXXX ; XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX XXXX Updated : XX/XX/XXXX ; XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Owed XXXX {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Owed : {$7700.00} ; XXXX XXXX XXXX  XXXX Balanced Owed : {$0.00} ; XXXX XXXX Balanced Owed : {$2600.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/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 2022-11-16
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:
Credit Bureaus are required to verify the information and status of the account being reported on my Credit Report. But in my case, Experian has kept reporting the disputed account claiming that the information they present is accurate, in which I greatly disagree. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 

XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: Smith, Rouchon & Associates, Inc.
State: VT
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I recently sent a letter to the collection agency after receiving bills from them through the CFPB. The bills were never sent from the original creditor. I was not aware of the debt until I looked over my credit report. I'm not saying the debts are not mine but before I pay anything I would need the proof from the collection agency verifying the debt. I asked for this information one month ago through the CFPB and received a few bills and one of them was a medical bill showing procedures which I think is a violation of HIPAA. The most recent letter I sent certified shows that it's still sitting at the USPS waiting to be picked up. It shows is was delivery attempts and has been sitting there since XX/XX/23. 

Send me the contract I have with this company to collect a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under USC1681. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 items of information, other than records of convictions of crime 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 2022-11-02
Company: EQUIFAX, INC.
State: CT
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
This complaint is for a home equity line of credit ( HELOC ) with Specialized Loan Servicing ( part of the XXXX XXXX ) at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX. 

XX/XX/XXXX : I received a payoff quote of {$120.00}. There was no previous balance due on the account, and the payoff amount was for fees to release the lien. 

XX/XX/XXXX : I submitted a letter to SLS requesting that they freeze my account to so that I may pay the payoff amount and close the account. I submitted this letter per instructions from an SLS rep. 

XX/XX/XXXX : I paid {$120.00} per the payoff quote. 

XX/XX/XXXX : I received an email confirmation from SLS that my payment had been applied to my account. 

XX/XX/XXXX : I called XXXXLS to request that my payment be applied to my account and for the account to be closed. I was told that the payment would be applied within a few days and that by XX/XX/XXXX I should receive a letter from SLS that the lien has been released and account closed. 

XX/XX/XXXX : SLS generated the monthly account statement on this date and the {$120.00} payment is still unapplied. 

XX/XX/XXXX : I did not receive a letter from SLS about releasing the lien and closing the account. 

XX/XX/XXXX : I have still not received a letter from SLS about releasing the lien and closing the account. I called SLS to ask about the status of closing the account. I was told that I needed to submit a letter requesting the account to be closed and a copy of my drivers license. I was not told this information when I requested the payoff quote or when I called SLS in XX/XX/XXXX. The SLS rep said she would escalate my complaint to a supervisor who would call me back to also tell me that I need to submit a letter requesting the account to be closed and a copy of my drivers license. 

I believe the company is intentionally not closing the account and changing the requirements to close the account in order to keep the account open as long as possible and stop from losing a customer.

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 2022-11-02
Company: Experian Information Solutions Inc.
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:
XXXX accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX Collection Account # XXXX 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

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 2023-02-06
Company: Bread Financial Holdings, 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: Credit inquiries on your report that you don't recognize

Complaint:
Hard credit inquiry not authorized by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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. 

Account name : # XXXX, XXXX XXXX, Account name : # XXXX, XXXX XXXX XXXX XXXX, Account name : # XXXX XXXXXXXX XXXX XXXX Accounts name : # XXXX XXXX XXXX XXXX, Accounts name : # XXXX OFFICE OF THE ATTY GENER, have 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 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 2023-09-16
Company: Experian Information Solutions Inc.
State: AL
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:
Remove fraud account from my file. you are violating my consumer rights.

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