BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX, I was reconciling my Capital One checking account statement for XXXX transactions, and I noticed a transaction that didn't match my check register. I looked at the check image online and saw that the check # XXXX had been altered from {$3500.00} to {$9200.00}. I contacted Capital One and opened a case # XXXX and also contacted the police and opened a case with them as well. After two weeks, the funds were returned to my account. I requested Capital One to also reimburse me for the late fee of {$57.00} that I was accessed since the original check was never received by the intended recipient. I received an email on XX/XX/XXXX stating the following... 

'We understand you are requesting to be reimbursed for a late fee you received from a third party after a check you wrote from your account was intercepted and altered. The missing funds from the altered check were credit back to your account on XX/XX/XXXX, and the investigation was completed. Since the third party fees were not charged due to a bank error, we will not be able to reimburse you. We understand this is not the answer you were looking for, but we suggest trying to resolve the issue with the third party. 

If you need any additional assistance, please contact us at XXXX. Associates are available XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Thanks, XXXX On behalf of Capital One XXXXXXXX XXXX XXXXXXXX ' I've tried to contact XXXX numerous times to understand Capital One 's logic to state that the third party fees were charged due to a bank error. I've left numerous voicemails and have never received a call back. 

I'm requesting Capital One to reimburse the late fee of {$57.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: SLM CORPORATION
State: NM
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This is a private student loan debt that I obtained in XXXX from Sallie Mae, I couldn't afford to pay it, I filed for bankruptcy in XXXX including this debt was sold to a third party, XXXX XXXX XXXX, who continues to call, leaving a voicemail and threatening further action. I haven't responded nor attempted to return the calls, I haven't had any communication with Sallie Mae or the Third Party since XXXX. This debt was included in the bankruptcy and is past the statute of limitations for Private Student Loan debt in New Mexico. The debt isn't included on my credit report, but the Third Party keeps threatening further action.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 BEEN A VICTIM OF IDENTITY FRAUD SOMEONE STOLE MY IDENTITY PURCHASED SEVERAL CARS GOT CREDIT CARDS HOUSES AND LOANS. WHEN I CALL THE AUTHORITIES THE PERSON ( S ) FILED A BANKRUPTCY TO HIDE THE FACT THAT THEY HAD STOLE MY IDENTITY. IT WAS PROVEN THAT IT WAS NOT ME WHO OPEN THESE ACCOUNT. MOST OF THESE ACCOUNTS HAS BEEN REMOVE BUT I SEE THERE ARE SOME STILL LEFT AS WELL AS A BANKRUPTCY THAT SHOULD NOT BE ON MY REPORT I HAVE SENT IN PAPERWORK TO ALL THREE OF THE CREDIT AGENCY AND HAVE NOT GOTTEN A RESPONSE

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 2022-10-11
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: Information belongs to someone else

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Again, I was going through my records & noticed the fraudulent account which does not belong to me STILL reposting on my file in Experian. The other bureaus have already DELETED this fraudulent information so my question is why do you still report these damaging records? I have already disputed these items several times and stated that I am an identity theft victim. I even forwarded my FTC report I filed online on their website along with my personal information and documents but still, you chose to continue reporting these items. Credit Bureaus are bound to comply with the FCRA regulation section 605b but you never cared nor paid any attention to my Disputes. You became negligent of the FCRA law and continued reporting this information on my Credit File without Proper Verification or Investigation. Now, I want you to REMOVE these items from my file like the other bureaus have done. 

XXXX XXXX XXXX XXXX, NY 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 explanation
Consumer complaint received 2023-01-31
Company: LD Holdings Group, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I mailed Loan Depot a notice of error with my mortgage account and error with reporting me 90 days late to credit bureaus, I also emailed them, talk on phone to there escalations department and attempted to remedy both errors with XXXX  All my attempts failed and im exhausted. I attached my payment history that they sent to me through the XXXX. It clearly shows I was never 90 days late. 



The second error I mailed, emailed and try to get helpful solution and with the assistance of The XXXX XXXX XXXX  was due to a miss mortgage payment in the month of XXXX that I was not notified about until end of XXXX in which caused this compiled effect of miss payments. I am attaching the email from Loan Depot XXXX XXXX XXXX admitting to an error in there system that my month of XX/XX/XXXX payment was recorded as paid due to a glitch in there system. I was notified of this at the end of XXXX and only because I called about my credit report. They could have attached that payment to my recent XXXX XXXX XXXX XXXX that ended in XX/XX/XXXX. This company reps have been very rude and condescending to me. Im asking for them to give me a helpful solution to this payment I was unaware of for 4 months and that they failed to notified me on. Instead I received incorrect 90 day credit report and Notice to XXXX Letters every month because I dont have the means to pay XXXX payment right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
The chase bank deposit my money with my Prison I'd and ss # card then each time I use card they locked my card .Then had me go into bank with two firms of Id I took my Prison Id and bank card, social security card and 2 addressed letters from county and state.where as the bank won't except prison Id to verify that I was me .So they said they were closing my account and I asked them what happened on 2 payments they were supposed to have paid which they hadn't.The cancelled the electric bill payment for {$1000.00} The another {$1000.00} that was supposed to be cleared on XX/XX/22 which never showed up on card yet was took from account on both cases.Now they said they would close my account and I would receive a check in the mail with in 5 business days XXXX my account was closed but here it is XX/XX/22 and I've not received my money.Chase Bank has caused me a large problem, with electric company and landlord and my mom passed away in AK.last week and I couldn't get there dew to the bank locking me out .Now my landlord is ready to evict me and power company is turning off my power.Food going to go bad I'm going to be homeless but the bank doesn't care about that .I 'm stressed out and it's causing me illness XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 non-monetary relief
Consumer complaint received 2023-02-28
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 non-monetary relief
Consumer complaint received 2022-11-06
Company: Experian Information Solutions 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 sent a letter out on XX/XX/2022 to XXXX, XXXX, and Experian. However, its been more than 30 days and the credit bureau failed to send my investigation back. This is not making sense. 

According to the law 15 U.S. Code 1681i Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency 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 the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2021-07-31
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have been trying to deal with this bankruptcy on my credit report that has the wrong information on it. I initially contacted the Bankruptcy Court by phone about information on my petition that is not accurate. Here are the errors : 1. My zip code on the bankruptcy says : XXXX and the correct zip code is : XXXX. 

2. The last four of my social security number on the bankruptcy is : XXXX and the correct last four of my social security number is : XXXX. 

I decided to go by the bankruptcy court and the lady there gave me a copy of my petition. I have attached a copy of the petition given to me by the clerk office. I also high lighted the incorrect information for you. The case number is : 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 2019-08-01
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:
XXXX XXXX XXXX XXXX ( XXXX ) reported to Experian an account from XXXX   XXXX XXXX in the amt of {$420.00} for services on XX/XX/XXXX. An internal review by XXXX   found on XX/XX/XXXX a XXXX  account specialist erroneously sent the billing to XXXX rather than Medicare and the secondary platinum insurer. Upon discovery, the erroneous action was not corrected and resulted in erroneous information remaining with XXXX XXXX Experian. '

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: U.S. BANCORP
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
My issue is with US Bank. My father 's checking account was compromised when a check of his was stolen from a US Postal mailbox. Early in XXXX I had suspicion that something was wrong when a series of his checks had not been cashed. I stopped payment on these checks on XX/XX/2022 at out local US Bank. On XX/XX/2022 I was going over my father 's account and saw that he was overdrawn about {$2000.00} which surprised me considering the day before he had in access of {$13000.00}. I immediately looked over all his checks and came to find that a {$40.00} check somehow became a {$15000.00} check. I then went to the local US Bank branch and filed a report along with a police report. The branch worker told me it was now in the hands of the fraud dept. For the past 2 months I have not been contacted from the fraud dept nor been able to access anyone who could help me. Every time I call I get the run around. They transfer me from one dept to another and always end up back at the place that I started out. I don't see where this is my problem. The bank cashed a check that had a stop payment on it. What's the point of stopping payment if the check gets cashed anyway? I would like help in getting my father 's money back into his account and all overdrawn fees redeposited. Thx

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 2021-07-30
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: Their investigation did not fix an error on your report

Complaint:
In the month of XX/XX/XXXX, my auto loan was reported to have one 30 day late payment to all credit bureaus. This is not valid as the account has been in excellent standing since XXXX. I reached out to the lender and they advised they would correct this before the next reporting date in XXXX, as it was a banking error. I reviewed my credit report today on XX/XX/XXXX and could see the issue has not been resolved and my credit is being affected thus preventing a refinance on my home to provide for my family. This is causing dire XXXX  on myself and I need your help to rectify this matter immediately. My payment for XX/XX/XXXX has reported on time and the creditor is not responding anymore to my written letters and when we call, I am always placed on hold and the call gets disconnected. I pay roughly {$1200.00} a month for my auto loan so this is a surprise. My husband submitted a complaint yesterday with the CFPB and since we are joint on the account, it is also affecting my credit because of their banking error reporting methods.

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 2019-08-06
Company: U.S. BANCORP
State: DC
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I'm receiving unemployment benefits in DC. I recently opened a new checking account, so removed my old banking information in my DOES account. I received a paper check for the week I removed my direct deposit information and, apparently, the following week 's claim was loaded onto a prepaid debit card issued by XXXX/US Bank. I wasn't aware that I would be receiving a debit card in the mail, until I received a notice last Friday, XX/XX/XXXX ( typically funds were direct deposited into by bank account every Wednesday and the live check was delivered on a Friday ). Clearly, I was expecting the funds on XX/XX/XXXX but hoped the debit card would come in the mail the following day. When the card didnt arrive Saturday, I called DOES Monday. After being transferred to XXXX/US Bank, the customer service rep apologized and said if the card didn't arrive with the mail that afternoon, they could overnight a new card. The card did not arrive a Monday, so today ( Tuesday ) I called back to request a new card. I had to speak with several people ( five total ), all giving me different/contradictory information. I was told the original debit card was requested on XX/XX/XXXX and should have been delivered by today ( XX/XX/XXXX ). I was also told that tomorrow, XX/XX/XXXX, would be the 10th business day since the card was processed so it could arrive tomorrow. Someone else told me the window was actually 5-7 business days. Then I asked about overnighting a new card. I was told that would cost ME {$25.00} ... ..I shouldnt have to pay for a new card that seemingly was incorrectly processed. Then the next person I spoke to, told me my address was wrong in their system ( I had to verify my address with each person I spoke with and none of those agents flagged my address as incorrect ). I was confused as to how my address could even be wrong, since it is correct in the DC DOES system ... ..then that agent decided to deactivate my card, so even if it does arrive with the mail I wouldnt be able to use it. Then the next person I spoke to told me that my address wouldnt be updated until XX/XX/XXXX and, at that time, I could request a new card ... ..She said I could send a fax to verify my new address to expedite the process but I believe this is an unfair tactic as I shouldn't have to verify an address that they had wrong in their system. I have been without my unemployment benefits for days at this point, and it's unclear when I will be sent a new card ... ..this is absolutely ridiculous and I access to my money now ( or within a reasonable amount of time. NOT in seven days plus 5-7 days for shipping ).

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 2023-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I recently checked my credit report and noticed that there were unauthorized accounts being reported as debt to my credit.

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 2023-06-11
Company: EQUIFAX, INC.
State: TN
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:
the following accounts were opened in my name 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 response to consumer: Closed with explanation
Consumer complaint received 2021-07-31
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I went on XXXX  to check my credit score and notice that I have 4 credit accounts open in my name that I have never seen. I have disputed them multiple times stating my case. They are very old but I have always been told they are valid. Today I got statements in mail to prove valid. I have never ever received statements in the past before. Which explains, I am getting a divorce now and my husband is not here to get the mail anymore after all these years. Now I can get everything that is forwarded.i can not prove the past but with my word. I wouldn't be going to this extent of proving myself if I were lying. I am trying hard to get myself a place for me and my XXXX  and thought my credit was good but these disputed credit cards are holding me up and making me live with my parents until it is resolved. So please let 's get this resolved. I have to do this with 4 other cards too. So I will be back on here 4 more times. I did not know about these cards. The mail might have been mailed out to my address but I never received the statements in my hands.

Company response to consumer: Closed with explanation