BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-16
Company: EQUIFAX, 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: Account status incorrect

Complaint:
XXXX XXXX  used to be a Philadelphia based bank, now it is owned by an international parent. The bank has this month filed a delinquency on my credit report despite I havent done any business with them for many years. I dont know what I have to do to deal with this hostile international institution that took over my Philadelphia bank and I stopped doing any business with for years. Isnt it enough for me to stop doing business with this foreign corporate raider that took over my friendly bank and fired the staff with whom I had decades-long relationships? Now years later I see they are attacking me on my credit report for no reason with a delinquent account report? I have not done any business with them for years ; they are predatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
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 paid this company {$5000.00} on XX/XX/XXXX of XXXX. They claimed they have reported to the credit bureaus, but my credit has taken a hit & it still shows that I owe them money till this day. I have spoken to them today, XX/XX/XXXX of XXXX, to just get told that I have to file a dispute the credit bureaus & they cant do nothing else to help me, saying that they supposedly reported it already to the bureaus. But its been well over 120 days since my payment & instead my credit has gotten worse since then. They also have stated to me that they will contact the collection agency they hired & notify them that I have settled the account, but that remains untrue. The collection agency still shows up on my credit stating that I owe them money & that they havent received any notification from the bank I paid off. Which tells me that the bank is lying to me & has been continuously hurting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
Capital One is the WORST bank ever. For the last 5 years they have tried their very best to put my small woman owned business at risk for closing. I will start with the latest nonsense that happened last week, XX/XX/XXXX. A contractor mailed a check from their bank, XXXX XXXX XXXX ( which I found out is just as bad as Capital One ). I digress, my customer told me that their bank " flagged a check '' as fictitious, but to have me deposit the check. I deposited the check as I had been told, and less than 3 days later the check was returned and my account was flagged. I went out of town for 5 days, when I learned that this check bounced in my business account, but also my personal account. Capital One locked me out of my accounts while on holiday. I spoke with numerous Capital One reps from the Recovery Department, again on holiday when after 2 hours of callbacks, getting placed on hold, a lovely CS rep was able to remove the block from my personal account. I learned that the replacement check for the " fictitious '' check was not going to clear for 5 business days, and it didn't matter that I had to pay my employees health benefits, payroll, rent, etc. Finally, after arguing with Capital One about the unfair treatment of ME ( their customer ) ; they told me that if we bounce anymore checks, they were going to drop my company as a customer. The utter nerve of this bank who has caused me more grief than any other institution, threatened me! I am the victim, NOT Capital One! They deserve punishment for ruining my vacation, and causing my XXXX  to become intolerable. This is NO WAY to treat long term customers. Capital One needs to formally apologize to me for treating me as if I were the criminal bouncing checks all over. I hate Capital One, and will be removing my personal and business funds. Meanwhile, I expect satisfaction for the stress, aggravation and the payment of every bounced check this has caused. Capital One Bank must pay for what they continue to do to my small business.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: Experian Information Solutions Inc.
State: FL
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-15
Company: JPMORGAN CHASE & CO.
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
There was fraud that started using XXXX from my Chase account on XX/XX/XXXX. I reported it to the local Chase Bank ( XXXX  XXXX XXXX. XXXX ) and we began the process. The account was then frozen and online banking was no longer available. 
The person ( XXXX ) continued to move funds using my personal checking, business checking, personal savings, and business savings. To this, I received alerts daily via email that Chase was declining the transactions, but it kept me from doing anything online. I was using to XXXX number to see if there was a balance in any of the XXXX accounts to go withdraw available funds. 
Through research and mulitple bank visits, it was discovered that they had added phone numbers to the accounts to use XXXX to move funds. The agent even called the person 's phone thinking they were calling me, only to realize it wasn't me after I gave the correct number. 
Now they are asking me figure out a new claim amount because they have paid back what was reported. Amounts are not correct... therefore there is balance due.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Chase XXXX credit card has the new benefit as {$50.00} hotel credit on the Chase Sapphire XXXX. I met all the terms and completed my hotel stay on XXXX XXXX with Chase and paid in full {$150.00}. However, upon my statement issued, I haven't seen any credit posted yet. 
I called the customer service and three different representatives all acknowledged that I med the criteria and it is strange that I didn't get the credit. However, they all refuse to issues the credit or submit the escalation request on my behalf. The issues remains unsolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10
Company: SYNCHRONY FINANCIAL
State: CT
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:
On XX/XX/2019, I received mail from multiple sources informing me of credit card accounts that had been opened, activated, and used in my name. I had not opened any of these accounts and I realized someone had done this fraudulently. I began contacting the appropriate businesses to notify each of the fraudulent nature of the spending, I froze my SSN with the major credit reporting agencies, and I filed a police report with my local police department providing them with all of my relevant documentation. I have since requested credit reports from each agency and I have updated the police case file with additional evidence that has come my way regarding other fraudulent activity. 

Throughout the fraudulent activity, over {$4500.00} was spent in my name in at least three different accounts that were opened at various large retail outlet stores including XXXX XXXX, XXXX XXXX, and Dick 's Sporting Goods, through store credit cards accounts ( financed through XXXX and Synchrony Bank ). At least one week passed between the first fraudulent activity and the date when I got the first bills in the mail which alerted me to the situation. As for breach of personal information, it is my understanding that my name, address, cell phone number, and social security number were all included in whatever information was taken and used against me in this case of identity theft.

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 2023-07-03
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: Information belongs to someone else

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 XXXX Account name : XXXX XXXX XXXX XXXX Account number:XXXX  Account name : XXXX XXXX Account number:XXXX  Account name : XXXX Account number:XXXX  Account name : XXXX XXXX Account number:XXXX  has violated my rights. Or list of inquiries 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 2023-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 hope this letter finds you well. I am writing to formally request the removal of late payments from my accounts. I understand the importance of accurate credit reporting and am reaching out to seek your assistance in rectifying the information associated with my account. I understand that your policies and procedures must be followed, and I am prepared to provide any necessary documentation or information to support my request. If there is a formal process for disputing or requesting the removal of late payments, please guide me on the steps required. XXXX XXXX XXXX XXXX XXXXXXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or XXXX - XXXX XXXX  customer service representative.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-15
Company: EQUIFAX, 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 is missing that should be on the report

Complaint:
This company is removing a XXXXXXXX  XXXX account off my report that was never disputed they also removed a self lender account of my report that was never disputed they keep fraudulently disputing things that I never disputed with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
These accounts are reporting late as reported in my XXXX Credit bureaus. These accounts should not be showing the current status of XXXX and XXXX  days late since its already been paid for. It seems impossible to accrue late on an account that has already been paid. Please report the payment status positive and update all late from reporting on these accounts. 
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 explanation
Consumer complaint received 2021-04-14
Company: Nelnet, Inc.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XXXX I signed up for Auto Debit of my payments and received email confirmation. 
On XXXX I signed up for Auto Debit of my payments and received email confirmation. 
On XXXX I have AGAIN signed up for Auto Debit of my payments and have received email confirmation. 

Their failure to keep an Auto Debit ON has harmed my credit score and is a system failure at the MOST BASIC level of financial services - automatic payments. 

As frequently as this has occurred I would be surprised if others are not impacted as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I request that they remove this inaccurate information about the late payment I have stated that I have never been late

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 2023-11-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
There is a debt forgiveness program that I was attempting to apply for online. ( Credit Wise ) which is powered by capital one. Because I didnt have access to an old XXXX XXXX account on a mobile application they put me through a series of questions and transferred me to XXXX different people. The gentleman attempted to update information but because I didnt have access he couldnt provide service. He then sent me the following link to process a copy of my drivers license on the fourth attempt it was successful on my end. He ever he denied me saying it failed on his end. I called XXXX they gave me the same problem and then told me I had to take it up with capital one and they would be able to pull my credit report to better assist me in the matter in which they couldnt. How am I suppose to clear my debt if I cant update them with information. So they are allowed to take my money but I cant access or update my information?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
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:
I canceled my original card ending in XXXX and got a new card XXXX due to fraud issues. A Charge of {$250.00} was placed on my new card number XXXX on XXXX XXXX XXXX by XXXX XXXX XXXX XXXX I disputed the charge on XX/XX/2022, Capital One removed the charge but then reinstated the charge on XX/XX/2022. Capital One claims the company XXXX XXXX  has the right to charge my card due to a recurring monthly fee. To my knowledge I had no such agreement with XXXX XXXX XXXX XXXX is willing to refund the money but Capital one has not returned the money to XXXX XXXX 
I have made 6 phone calls to Capital one, I have 18 emails with XXXXXXXX XXXX. XXXX XXXX wants to resolve the issue, Capital one is clouding the issue by insisting on an official cancelation notice. 
Capital one claims that I failed to respond to a letter, but they Cap one never sent me a letter. All of the calls with Cap one are recorded, therefore there is proof that Cap one told me that no company could charge my new card number XXXX issued in XXXX XXXX XXXX without my express permission..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This account is reporting late reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify from themselves, but they failed to neither verify nor update me about these complaints. Please update the late payments from this account. 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 2023-12-18
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2022-02-15
Company: Experian Information Solutions Inc.
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: Old information reappears or never goes away

Complaint:
The following XXXX XXXX account was charged off as of XX/XX/2019. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history which to my understanding, charged off accounts should NOT include an active payment history. Need I remind you, this also falsely manipulates the statute of limitations.

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 2023-11-14
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have 3 Accounts that do not belong to me on my Experian credit report. Companies have not provided me with a wet signature or contract. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX those accouts does not belong to me

Company response to consumer: In progress
Consumer complaint received 2023-06-21
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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