BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Ive had a checking & savings account with Capital One for several years now. The savings account ( I named XXXX ), I put money in for my son who's XXXX to send him money for necessities, etc. It helped me keep track doing it this way, plus he got checks for working in XXXX, etc. 
Because Im a XXXX & XXXX with serious health issues now, I decided to put my son as a SIGNER or SECONDARY account owner, ( I have his POA as well ) on the savings account so in the event of my becoming incapacitated, he could access the money. They allowed me to do this and even sent a letter addressed to him to my home stating all went through and he is now a signer on my account. 
I went to get on the account to send him some money and Capital One has the savings account LOCKED WITH MY MONEY IN IT ( {$800.00} ) stating " they need more info ''. I called Capital One, they said they need to speak to my son directly to verify some things and need a copy of an ID. I told them he dont have an ID as he's in XXXX but that I do have his POA. 
I told them what I had done and why I was setting up this account with him as a signer and that I had his POA. The told me " they cant do anything until they talk to HIM directly even tho I told them he is XXXX  and can not make a phone call over 5 minutes! They still refused to assist me stating they need to talk to HIM! 
They are also not allowing me access to my previous bank statements or transactions for this account! 
SO, this means they are going to freeze MY MONEY for 8 YEARS until he gets out of XXXX??? This is wrong and they are not honoring his power of attorney above all! 
I am very sick and really needed to just get this set up so I know my son is taken care of if I cant do it anymore. : ( But foremost, I am out {$800.00} on top of it?? : ( I even asked Capital One to just transfer the {$800.00} into my checking account, but they refused that too!! Locking up my money should have NO bearing on them adding him as a signer on my account!! : ( Please help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: Experian Information Solutions Inc.
State: WV
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:
Last year on XX/XX/2022 a XXXX  XXXX account was opened fraudulently using my information. I contacted XXXX  XXXX and notified them that it was fraud. After multiple disputes with XXXX  XXXX and the three credit bureaus every investigation they did apparently verified the information as correct. Of course the information is going to match mine because someone used it to open and use that account fraudulently! The charges happened in a nearby city that I wasnt even in at the time and the user was making minimum payments for about three months. I have no bank accounts that have been paying for it so someone else has. I have never had this card in my possession and I cant even access the online account because they use a phone number for verification. Whoever it was obviously used their number so I do not have anyway of getting any information about the account. Because I refuse to pay for a fraudulent account it got sent to a debt collection agency. I moved out of state at the time however so the court date got dropped. Now the account is showing up on my report as a charge off today! I am not sure what other steps I can take to have this account removed from my credit report permanently. I am certain that XXXX  XXXX is only doing a lazy investigation that does not dig far enough to uncover the information that doesnt line up. I even filed a report with my local police department at the time as well as a report with the FTC. At this point I am at a loss for what I am expected to do.

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 2022-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me. 

1. Did not consent to authorized this inquiry XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
2. Did not consent to authorized this inquiry XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
3. Did not consent to authorized this inquiry XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
4. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXXunder the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 XXXX XXXX Account Number : XXXX Account unknown how do you verify this information this account is in violation it was reported without valid evidence

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 2017-09-05
Company: GLA Collection Company, Inc.
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I have reached out to this company 4 times in the past XXXX months about validating XXXX debts that are showing on my credit report. There has been no response from this company what so ever. I will attach my fourth letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26
Company: LEXISNEXIS
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . Report and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply.My name is XXXX XXXX My address is XXXX XXXX XXXX, XXXX, OH XXXX My DOB XXXX SS XXXX. I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: Meridian Financial Services, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
FOR THE LAST XXXX YEARS I HAVE RECEIVED A BILL FROM MERIDIAN FINANCIAL SERVICE A COLLECTION COMPANY WITH A DEMAND FOR PAYMENT IN THE THOUSANDS. I HAD TO PAY THE BILL IN XXXX BEAUSE THEY SENT THE BILL TO THE CREDIT REPORTING AGENCY WHICH LOWER MY CREDIT SCORE. EACH MONTH XXXX DOLLARS WAS ADDED WHEN I DID NOT PAY. 

THIS YEAR THE BILL HAS CHARGES FOR LATE FEES {$930.00}, AND AS OF XX/XX/XXXX I OWE XXXX. HOWEVER, DURING THE YEAR, I HAVE NOT RECEIVED ONE BILL. THE COMPANY IS XXXX XXXX XXXX XXXX. 

SINCE A BILL WAS NOT SENT TO MY ADDRESS. I AM ASSUMING THAT THIS COMPANY IS HOLDING THE BILL SO THAT IT CAN ACCUMULATE LATE FEES AND OTHER CHARGES. I HAVE XXXX BILLS THAT I PAY MONTHLY AND THEY ARE PAID100 % ON TIME. AS IS NORMAL, I GET A STATEMENT EACH MONTH FROM THESE COMPANIES TELLING ME HOW MUCH I OWE AND WHEN IT IS DUE. WHEN I RECEIVED THIS COLLECTION LETTER THIS MONTH, I CONTACTED THE COLLECTION FOR INFORMATION ABOUT WHY I DID NOT RECEIVE A MONTHLY BILL AND I HAVE NOT RECEIVED AN ANSWER FROM THEM. 

SO IF A BILL IS OWED, LEGALLY, A MONTHLY STATEMENT MUST BE SENT OUT TO THE CUSTOMER. I HAVE NEVER IN THE XXXX YEARS RECEIVED A MONTHLY BILL FROM THIS BUSINESS. 

I WANT A DETAILED BILL FROM THE 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 2021-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1692 ( b ) ( f ) reporting inquiries without my authorization or permissible purpose. I am so disappointed because this matter has needlessly affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

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 2017-09-05
Company: AMERICAN EXPRESS COMPANY
State: VA
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 is XXXX XXXX and I have an account with American Express. I asked for and got an additional card for my wife. This card is tied to my personal account and is not a new account with American Express. This is verified on their website and pre their representative. One week after getting the additional card, American Express added the account to my wife 's credit report as a new account with an outstanding balance! But, it is not her account and she is not liable for the balance due or the monthly payments due. 
American Express needs to remove this information from her credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Currently i have been monitoring my credit and recently found there were 2 credit card accounts where someone has apparently opened them in my name from California, and it was not me. One account is showing as Capitol One ( I HAVE NO CAPITOL ONE ACCT ), the second account is showing as XXXX XXXX XXXX ( I HAVE NO XXXX XXXX XXXX Acct ). I have absolutely NO knowledge of these accounts and i have verified with each of these entities that each of these accounts were not mine nor do i have any knowledge of them what-so-ever. 

I have also provided verification that to each entity the account is NOT mine and they are reporting inaccurately! As of this date they are STILL SHOWING on all 3 credit bureaus as delinquent accounts! 

Please help me get these fraud accounts off all three credit reporting bureaus!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-13
Company: EQUIFAX, INC.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have a potentially negative account from XXXX XXXX XXXX. It has been paid in full and closed, but could continued to show 2 late payments from XX/XX/2018. I have disputed with XXXX XXXX and it still has not been removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: I.C. System, 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: Information belongs to someone else

Complaint:
I recently check my credit report and found negative or pass due on the report that is not my so I had to dispute each one and while it was time consuming slowly it was getting cleaned up but the was a credit card negative report that is not my but the collection agency input the same negative item twice on my credit report and I file a dispute with them three time but each time without giving me a reason or a reply it stays on my credit report. How is that legal for them to report two negative report using the same item? Is damaged my credit badly. The Company I.C. SYSTEM, INC ac # 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 2023-07-12
Company: Grain Technology, Inc.
State: MD
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:
On XX/XX/2023, I received a credit alert from XXXX advising that my account is past due but not more than XXXX payments. I contacted the company, Grain Credit, and advised that this is incorrect. I was making payments and when I login to my portal, it says current. The representative is still saying the account is past due ; however, when I review my statements, it says minimum due {$20.00} and she advised that even though it says {$20.00} minimum due that it doesnt reflect the past due amount and that I have to add the minimum and the past due payment. This is very confusing and also misrepresenting or not clearly stating the past due amount. Ive been making payments and when I login it says current, and so I am requesting this account be removed because the creditor isnt accurately reflecting my account and the statements to any normal layperson looking to pay their bill looks at the minimum due, which is the minimum amount that must be paid to keep the account current. Additionally, Ive been making monthly payments. The company isnt properly representing the minimum amount due either. Either way, Ive been making monthly payments and still dont understand how the account is delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: EQUIFAX, INC.
State: CA
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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-02
Company: EdFinancial Services
State: WA
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 Friday, XX/XX/XXXX, I contacted Edfinancial after receiving news of Biden 's Loan Forgiveness. I saw on the Federal Student Aid website that we were able to request a refund on payments made throughout the payment pause that started in XXXX. I went ahead and asked them to do that but was immediately taken back when they notified me that the processing times would be a minimum of 150 days. I was a pell grant recipient and am therefore eligible for the XXXX in forgiveness. Throughout the pandemic I paid almost XXXX XXXX XXXX payments. 

What's worrying me is that the application for forgiveness starts soon and Edfinancial won't be processing any of these in time for me to receive forgiveness. They stated that our loan balances won't be reinstated until the refund is processed which won't be until XXXX at the earliest for them. The interest rates and payments will resume again in XXXX. 

Edfinancial can not send out confirmation emails or anything to prove that they indeed did send in our request. Seeing other people 's loan providers reinstating their balance after requesting it just 36-72 hours later makes me very concerned that Edfinancial does not have our best interests at heart.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-05
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: DC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My complaint is about XXXX XXXX XXXX XXXX XXXX XXXX ( a collection agency ). For about 3 years I 've disputed 2 items they are entering into MOST ALL consumer reporting agencies in the U.S. ; namely the 3 major credit reporting agencies and tenant screening consumer reporting  agencies. The 2 items I 've disputed myself and through an attorney are as follows : 1. XXXX
2. XXXX XXXX XXXX. 

The above items are NOT MINE! Even though they are NOT MINE, I 've proffered an " Offer in Compromise '' in order to remove these items from ; a ). the 3 national consumer credit reporting agencies - XXXX XXXX and XXXX, and b ). from all tenant screening consumer reporting agencies. At this juncture, I 've rescinded any offer in compromise as FCO refuses to remove them. I believe this violates my protections under the FCRA, FDCA, and because it is more than 3 years old and outside the statute of limitations for DC denies me fair access to housing in the District of Columbia. I want the 2 above items REMOVED IMMEDIATELY w/WRITTEN CONFIRMATION from ALL consumer reporting agencies in the U.S.

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 2023-07-12
Company: Ocwen Financial Corporation
State: WA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Financial Fraud, Banking Fraud, Conversion of Real Estate, Due Process, Illegal Foreclosure by Ocwen Loan Service guised nonexistent entity who subject consent judgment CFPB Case XXXX ( XXXX  ) with XXXX XXXX  XXXX XXXX Counsels are accomplice to outright fraud on homeowners and Court with also perjury submitting a fraudulent Affidavit of Fraudulent Recording presentation for nonexistent entities of fabricated title further misleading The Court. The bottom line is that this fraud causes Victim to be intentional evicted fraud from his house.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I just check my credit through XXXX XXXX website and i noticed two fraudulent account on my credit report along with a bunch of unauthorized credit inquires. Before reaching out to XXXX, XXXX and transunion, i took the time to reach out to each and every company that the fraudulent account and credit inquires was submitted. I did not do business with such company. I always get email from XXXX stating that my information was on the dark web. I was also affected by the XXXX  breach. I have attached the identity theft report along with my social and drivers license.

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 2023-07-12
Company: LAKEVIEW LOAN SERVICING, LLC
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
We have had disputes with our mortgage servicing company for years. Their misapplied payments and suspense accounts. we went as far as filing a bankruptcy which XXXX assured me they would rescind. XXXX raised our mortgage payment from $ XXXX to $ XXXX while we were in bankruptcy.We are current on our monthly mortgage payments... now they want to just raise out intrest rate to double. 

They cant stand that we have held our end of any agreements. 

I need in front of a judge. 
and a company that can stand up to this craziness. 
We need 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 explanation
Consumer complaint received 2022-12-13
Company: EQUIFAX, INC.
State: DE
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 reviewed my consumer report and noticed that I have late payments on accounts that I was never late for. Consumer reporting Agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account : 1. XXXX XXXX XXXX XXXX 2. XXXX XXXXXXXX XXXX XXXXXXXX 3. XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX XXXX XXXXXXXX Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late.

Company response to consumer: Closed with explanation