BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-19
Company: Experian Information Solutions Inc.
State: CA
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:
This is regarding the case XXXX with Experian and the case XXXX with XXXX XXXX. We have done some extra research and checked carefully and indeed there was an issue with XXXX XXXX, I never requested that but they put a dispute in my account. It seems that they do this kind of things to protect the customers from identity theft ( they could be other reasons too ), in doing so they put a credit freeze on the data of the affected clients, in other words they block the access to their credit files. 
I do not know why they decided to do that but it was negligent from them. The credit reporting was frozen and we did not know about that, when we realized that we called XXXX XXXX and requested the removal of that but they said that it would take weeks. In order to speed up the process we had to pay a fee of {$240.00} to the XXXX ( XXXX XXXX XXXX ) as you can see in the attached document. Anyway because of all the time wasted because of the negligence of XXXX XXXX, we could not get the credit reports on time and we lost the house and the time and money invested in the process. We paid a fee of {$370.00} for the required house inspection, money that we also lost. 
In the case of Experian, we were also calling them many times and talking with different people about our problem with the credit reporting, we were following their instructions, we gave them all the information requested and even we submitted all the requested documents in Black and White PDF files ( as requested ) through their official webpage but still we could not have the credit reporting. We are not sure but this problem with Experian could have been the effect of the dispute that XXXX XXXX put on my account. 
I am attaching here the copy of the email that my wife sent to me requesting the conversion of some documents to Black and White format and my reply with the documents. We already had the other documents in B & W format. I am also attaching a copy of the screenshot from the official Experian website after successfully submitting all the required documents.

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 2023-09-22
Company: EQUIFAX, INC.
State: TX
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:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 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 Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$2000.00} ; US DEPT ED XXXX Balance Owed : {$4700.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX {$3500.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$1100.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$3000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed XXXX {$1000.00} ; XXXX XXXX Balance Owed : {$710.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$480.00} ; XXXX XXXX XXXX Original Creditor : XXXX ) XXXX Balance Owed XXXX {$640.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$100.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/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 response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: EQUIFAX, 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:
XXXX XXXXXXXX summit the mistake to the credit bureaus as me not being 30 days late on my credit card payment in XX/XX/2022. The credit bureaus XXXX, equifax and XXXX removed the late payment but never gave me back my points that I lost from the late payment being reported which was a XXXX point decrease. As a consumer, by law my credit report must be 100 % accurate immediately by the credit reporting agencies updating and/or removing the account listed in my dispute letter attached. The credit bureaus did not give me any points back at all which was wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
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:
I have put in multiple reports, called and emailed the agencies as well as XXXX to rectify this situation. 

My rights under FRCA have been violated by Trans Union, XXXX, and XXXX based upon the following reasons : Reporting a debt as charged off, when it was settled or paid off. 

XXXX XXXX : XXXX the debt was settled when vehicle was returned and resold after taking my payments. Falsely reporting open vehicle loan as closed account causing further denials. Also full account number not reported and improper name reported unable to verify account due to incorrect name information. 


XXXX XXXX XXXX : XXXX XXXX was returned within 30 days due to mechanical failure, dealer refused refund of down payment or to exchange vehicle. XXXX was notified that the vehicle had been left in the companies possession and they refused to issue a refund or exchange faulty vehicle. 

XXXX XXXX : XXXX Falsely reporting information and reporting negative rumors in regards to debt owed and paid. Full account not displayed unable to located debt due to incomplete information lack of consent of debt and acknowledgment XXXX XXXX XXXX XXXX XXXX XXXX  Falsely reporting information duplication of accounts reporting. XXXX XXXX reporting differences in balances and fraudulent information also without my consent.

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 2022-11-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Capital One closed my personal credit card account without my authorization after having it open for XXXX years. The company 's actions will likely negatively impact my already classist XXXX XXXX which I have worked hard to upkeep. I am in the process of purchasing my first home and these actions could have ramifications for me beyond just a lower credit. Why do these financial institutions want you to open an account and then close it for you? I called Capital One and they had XXXX concerns about me being upset and how their actions could affect me financially in other ways. Their answer was to open another account which would also negatively impact my XXXX XXXX because they would have to run my credit again. I am beyond upset with their decision to close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Take a look at the documents attached. I would like the bureau to commence an examination of these accounts, as I have never been tardy with payments, yet they are erroneously marking me as overdue.

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 2022-11-12
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/2022, I opened a business checking account in US Bank online with a promo which gives me {$300.00} within 45 days after satisfying three requirements in 90 days. I have completed the three requirements and after 90 days, I called the US Bank and asked my bonus status. They said they confirmed that I satisfied the requirements, and if the bonus is not deposited until XXXX, I call them again. And after XXXX, I called them again and they said they dont know why the bonus was not given yet, so they submitted my case to their research department. Two days later, the research department left voice message : The business checking bonus is for one business checking account per one business, but I received the bonus before, so my promo has been denied. I swear this is my very first business checking in the US Bank and in fact, XXXX setup my business in XX/XX/2022. I called them and talked to the CS rep but he doesnt know why and I was disconnected. Today, I had a call appointment with a local US Bank rep, but I havent received any call until 20 minutes later than the appointment time.

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 2019-12-23
Company: JPMORGAN CHASE & CO.
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
THE WEEK BEFORE XXXX, prior to any notification at all, my credit limit was decreased by almost 60 %. I had my card not honored at multiple vendors despite my having made a recent large payment toward my outstanding credit. I relied on their representation of my credit limit when deciding to use money to pay down the Chase card rather than use it elsewhere since I have upcoming job relocation expenses. When I contacted CHASE BANK, multiple times over 3 days, I was told that I would receive notification via the mail almost 2 weeks after the credit decrease became effective. Despite having signed up for electronic notifications, I didn't even receive a notification online either. 

I know the credit card companies can usually do what they want, despite the fact that I would have saved back money to pay for an upcoming job relocation rather than the credit card balance if I knew they would reduce my available credit so significantly. But there HAS to be some notification required to the user before such a MAJOR change is made to the account. I now don't have the cash to cover my move for a new job because Chase took my payment and reduced my available credit by over {$14000.00} without ANY prior notice. 

It is also worth noting I have never made a late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-19
Company: Mobiloans, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Loan payment wasn't credited to your account

Complaint:
XX/XX/XXXX - Account Created The last week of the preceeding month was the month the company was contacted. 

The account history since creation has been somewhat consistent with payday loans but three existing mentions are using both payday and closed-end loan, and credit code type references. The payment dates were brought into standing. 

The original agreement was monthly repayment which was switched to bi-monthly after the agreement and verifications were complete. 

The company after a call about the payment change and the schedule, would not communicate about the difference and continued throughout. 

For the months of XXXX of this year, XXXX, the company has extended the preceeding month 's second payment to the following month at a fixed rate of approximately {$95.00}, with no more than {$12.00} fee for late payment which was originally to be included in a monthly payment minus the lateness. However the balance never reflected the dollar value balance supposed accurate. Payments of {$130.00} twice monthly minus a {$95.00} dollar admin, and fixed loan fee, {$3.00} per {$20.00} advance fee, and {$12.00} late fee is a few to many fees per code reference, with no mention for the coexisting references to credit, and the codes for loan ( closed end or open end ) does not seem accurate for an {$800.00} line of credit, nor loan or advance in the state of XXXX XXXX  or XXXX though the company sevices both. 

The schedule for credit is 30 days, and loan 28 days, whereas the advance has two options bimonthly and monthly. 

The repayment lapsed two months during an emergency leave of XXXX XXXX the state the account was created, and into XXXX. With one year of repayment and borrowing, their calculations still seem inconsistent with fixed rates and fees with no explanation and the balance not reflecting payment nor fees I read in the communications with the company. 

They were helpful in time I needed cash fast, but the understanding is different, and those three types of crediting laws are ambiguously not differentiated in the company word usage. 

I think an other reason, such as additional unnecessary information was gathered, for the inconsistency was present.

Company response to consumer: Untimely response
Consumer complaint received 2022-11-12
Company: Experian Information Solutions Inc.
State: MO
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:
There are several things on my consumer report that were the result of identity theft. I sent the consumer reporting agency Experian and identity theft affidavit. According to 15 U.S. Code 1681c2, these accounts and inquiries should have been blocked from my consumer report. However, they were not. Experian sent a letter stating this block was an error. It was not. Experian has violated my consumer rights. According to 15 U.S. Code 1681i Experian is supposed to delete the disputed items during a full and complete investigation. Experian violated this federal law. Experian is still furnishing information without my consent. That is a violation of 15 U.S. Code 1681b. I have never given Experian to furnish anything on my consumer report. 15 U.S. Code 1681n lets me know that any person who willfully fails to comply will be responsible for actual damages up to {$1000.00} per violation. Please note that I will not hesitate to file a suit against Experian for willfully and knowingly violating my consumer rights if this is not rectified within 15 days.

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 2023-08-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ME
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:
I relocated my business early in 2023. At the time, I notified all interested parties of my change in contact information, including my new address. I encountered no issues with any of the ( numerous ) parties updating this information -- except or Capital One. On my XXXX or XXXX phone call, I was finally assured that my account information was updated. 
I recently moved my residence. Once again, I notified all interested parties of my new contact information. Once again, I encountered no difficulties -- except for Capital One. 
In the course of my phone calls with them, I learned that they in fact never updated my address the first time -- and were unwilling to do so unless I purchased new technology that would conform with their protocols. I am unable to provide the " verification '' which they require unless I text or email them my driver 's license or something similar. I am unable to do so, so they tell me I'm out of luck. I have literally spent multiple hours on numerous phone calls only to get nowhere. It is clear that is exactly where the company wants me to get. To be fair, the unfortunate employees with whom I have conversed have all done their best to assist me and were very polite. It is clear that their hands are tied. 
I have been a customer with Capital One for decades. I have never cashed in any of my points, but had been anticipating doing so as I segue into XXXX ( I will be XXXX XXXX XXXX next month ). 
I am concerned for my fellow XXXX citizens who may also be unable to surmount the same obstacles ... causing them to pay their bills late, damaging their credit ( with the potential myriad effects upon their lives ) and have their accounts terminated ( losing points collectively potentially worth XXXX XXXX XXXX XXXX XXXX that they may have been accumulating for decades, like myself ). 
Capital One 's inflexibility on this issue is unlikely to be coincidence. I believe that they are intentionally attempting to exploit XXXX citizens ( who are well-known to frequently struggle with technology and often lack the know-how or resources to purchase new technology ) for profit. At the very least, company superiors must be aware of this consequence and like it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 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 2023-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I'm a casualty of fraud. I'm writing to demand that you block the accompanying fake data from my credit report. I'm currently applying for another advance and these blunders are causing an issue with my FICO ratings revealing appropriately, so any assist you with canning give me with refreshing this data at the earliest opportunity would be incredibly valuable. We are hoping to purchase a house. If it's not too much trouble, 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 2023-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 did a voluntary repo per an agreement signed XXXX that returning it my balance would be {$0.00}. My credit report on all 3 bureos still says something around {$18000.00}. The agreement signed on that date says the balance would be updated to XXXX. I have disputed with all three credit bureos and no changes have been made. Please force them to make these changes to the account balance to XXXX ad theyre required to pet the agreement I signed wi to XXXX XXXX XXXX XXXX and the FCRA 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 2022-11-07
Company: SANTANDER HOLDINGS USA, 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 information incorrect

Complaint:
I purchased a XXXX XXXX XXXX from XXXX of XXXX XXXX and allegedly according to Santander Consumer USA I made agreements with to pay monthly installments of {$510.00} for 75 months and made a {$2000.00} down payment. Although the car had a used sticker value at the time of around {$17000.00}. The initial balance was {$19000.00} and so far ive made 41 installments on this loan 3 of which were late none exceeding 30 days. I still owe a balanced on my credit report of {$13000.00}. The last three months i have not been able to make the payments, due to my vehicle not being able to run for the past 5 months and now needing a new engine because of a mistake a mechanic made on the car. Also my business recently has been running into some low income and the rising costs of my rent, utilities and other bare necessities has been making the payments very difficult. Its is one of a few things that is causing my entire family of six a massive mental hardship. For this has not only lowered my credit score and but the creditor has already threatened to put derogatory marks on my credit and even some instances where they mentioned collections. Which will do nothing but just subtract points from my low credit score. This is something that has prevented me from buying a home for my family as well as withholding my ability to utilize my credit in the ways I intended. The balance is the largest balance on my credit report and can and i can ill-afford and will not be making any future payments to the creditor.

Company response to consumer: Closed with explanation