BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-27
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Letter to Capital One on XX/XX/XXXX : Recently I learned when applying for a new loan that I have a 30 day late notice on my credit from XXXX of XXXX. This was a credit card invoice that was emailed to me over XXXX during a time that I was traveling overseas. When I returned, I immediately paid the bill and have not missed a payment since. Would it be possible to remove the notice after all this time or at least issue a Letter of Deletion? I would be very appreciative. Thank you, They responded on XX/XX/XXXX with a form letter saying " they were unable to change our reporting on a courtesy basis '' The outsized damage to my Credit and my ability to obtain a mortgage at a reasonable rate is completely out of proportion with missing XXXX month of a credit card payment, and would be an appropriate focus of the XXXX in the interest of the many with this kind of issue. Does an entity like Capital One benefit monetarily by maintaining reporting even after the issue is resolved? Surely their economic benefit is no match for my loss.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-10
Company: Experian Information Solutions 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:
A letter was sent to Experian on XX/XX/2022. To date, I have not received a response from them regarding my request for a thorough investigation of several accounts being reported on my credit report. It is my understanding that Experian is in direct violation of my rights to receive a thorough investigation within 30 days of requesting.

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 2015-12-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
A merchant charged my credit card without my knowledge or permission. Because I knew the merchant and had authorized an initial payment the credit card company let him charge an additional XXXX without calling or verifying the information with me. I did not authorize this charge and they wont take it off, even though I reported the fraud as soon as I saw the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
Good Morning, In regards to the Equifax promised XXXX  XXXX credit monitoring & free credit report freezing. 
Not only have my credit accounts been compromised, but Equifax continues to be negligent with helping consumers protect their credit. I went to www.equifaxsecurity2017.com/ as instructed by Equifax announcement. I filled out the Equifax form to get free credit protection. Equifax then sent me an email saying that they would send me another email to finalize my enrollment and activate my product. It has been 7 days since then and I have not received an email from Equifax to complete the enrollment. 

I ca n't freeze my accounts until the process is completed. So my credit is still vulnerable. 

I called the Equifax call center and they did n't have any info about activating my product, but told me to call another number. How do I know who is on the other end of this 'other number '? My confidence in Equifax is null. 
Please help consumers protect their credit and make Equifax follow through on their promiss.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19
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 fraud alerts or security freezes

Complaint:
I have tried to correct issues with my Experian credit file for several months. My problem is that I can not unfreeze or freeze my Experian credit file. Attempting to create an Experian account to manage my freeze status results in an error and instructs me to contact their support number. Numerous calls to Experian 's support center result in case numbers, but their support agents can not resolve anything. My calls have been escalated to Experian 's dispute department, and nothing is ever resolved. 

From what I've gathered from the support agents I've interacted with, the issue with my Experian account is that security questions can not be generated because I had a fraud alert on my file because of problems with my address. I submitted documents ( social security card, utility bill, driver 's license, etc. ) several times proving my identity and current address. Yet, every time I call, the support agent tells me to submit documents proving my identity for my Experian file to be corrected. Nothing has been resolved to this date. 

I started this process with Experian back in XXXX of XXXX, but were are in XX/XX/XXXX and they have yet to resolve the issues with my Experian account. The issue with my account prevents me from requesting my credit report and changing the freeze status on my Experian account. The issue with my credit file is only with Experian. I DO NOT have issues with my XXXX  or XXXX credit file. The issue is only with Experian. 

I have many case, dispute and escalation numbers I can share with you. 

Please help me resolve this issue with my Experian credit file.

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 2022-05-02
Company: PENTAGON FEDERAL CREDIT UNION
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: Information belongs to someone else

Complaint:
I have inquiries on my report that I did not initiate.

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 2018-08-03
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I've been trying to resolve the multiple negative student loan accounts on my credit report. The credit bureaus ( XXXX, XXXX, Equifax ) are neglecting to verify the accounts properly to determine which ones are duplicates or original. Due to poor communication and investigation I'm requesting that all accounts be removed. All of the loans in question were recently consolidated but the negative accounts that been reported are hurting my scores, ability to obtain credit and hindering my home buying process. I also have an excessive amount of unauthorized inquiries that i have no knowledge of and when I try to dispute them they tell me that they belong to me and factual when they're not.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
On XX/XX/2018 I disputed four enormous accounts on my credit file that I have listed below, on XX/XX/2018 I received a letter back from the credit reporting agency stating the debt was verified as accurate. After much frustration I then sent in a letter requesting the method of verification used to identify these enormous accounts as indeed belonging to me. I clearly stated my rights according to FCRA and also asked for names, address, and phone number of the furnishers they spoke with, I also asked that they respond within fifteen days. I sent my letter through certified mail and it Was well over 15 days since they have received it without any response from the credit reporting agency which I believe is a complete disregard to comply with the FCRA laws. 

The four accounts in question are listed here. 
XXXX  XXXX XXXX XXXX Account # XXXX. XXXX XXXX XXXX XXXX Account # XXXX. XXXX XXXX XXXX Account # XXXX. XXXX XXXX XXXX Account # 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 2023-05-10
Company: EQUIFAX, 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've handed along something that needs to be removed or blocked. According to FCRA section 605, credit bureaus must delete any records that were listed on an ID THEFT REPORT. I'm including this report again because I foresaw it in an earlier letter. My attorney has been informed of my objectives and is willing to think that Credit Bureaus are to blame for their stubborn rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I recently closed on a mortgage loan with Wells Fargo on XXXX XXXX. As part of the closing, I was offered a discounted single payment PMI amount and chose to proceed with this payment of {$4700.00}. The representative failed to inform me of all of the possible ways to remove PMI which would include reappriasing the property or refinancing. Witholding this information strictly limited my ability to choose the option that was best suited for me and indirectly led me to choosing an option that was favorable for the firm.

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 2020-07-09
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: Was not notified of investigation status or results

Complaint:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXXXXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : SETF/WOFC, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX AUTO FIN XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEFENDER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CASE XXXX XXXX XXXX XXXX CASE XXXX XXXX XXXX XXXX CASE 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 2020-07-09
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Equifax has not adequately investigated inaccurate information on my credit report. XXXX XXXX and XXXX XXXX XXXX have both reported inaccurate information that has been disputed by Mr. XXXX and his attorney, XXXX XXXX. 

The XXXX dispute has risen from XXXX 's illegal inflation of Mr. XXXX 's bill. Mr. XXXX has no contractual obligation to XXXX. Mr. XXXX has repeatedly notified Equifax that XXXX 's reporting is inaccurate. In their invesigation, XXXX presents their allegations in the form a XXXX generated bill. XXXX has yet to present a contract or any obligaition in writing or with Mr. XXXX 's signature. Equifax has failed to execute due diligence and appropriate investigation into this matter. 

Additionally, Equifax continues to report a paid item from XXXX XXXX XXXX XXXX XXXX XXXX that has both an inaccurate date of first delinquency and status. Mr. XXXX has notified both XXXX and Equifax of the inaccuracy but Equifax continues to report. 

These actions have slandered Mr. XXXX 's good name by causing his credit rating to decrease. Even after notifications, Equifax continues to report these inaccuracies. 

Mr. XXXX demands that Equifax remove the inaccurate items and immediately pay the full sum of {$30000.00} restitution for slandering his good name, failure to accurately investigate credit items, and other damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
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:
I received a copy of my EXPERIAN credit report and found the following item to be in error. Account : XXXX XXXX XXXX XXXX XXXX Please remove this inaccurate information from my credit report. This negative account is not reporting to XXXX nor XXXX. Please provide evidence proof of the alleged debt, including specifically the alleged contract or another instrument bearing my signature or delete immediately. I have attached the letter sent to Experian and proof of identification.

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 2016-05-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MT
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
I requested a credit line increase, the reason why I did n't get one was, " We are unable to obtain your most recent monthly payment data from the credit reporting agency. '' Very unlikely reason since every time the wind blows, I get a alert about my credit report from them. Plus, it 's no where to be found on their reasons for denials.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20
Company: AES/PHEAA
State: MN
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 had disputed multiple late payments where my student loans should have been on deferment. I 've resubmitted it multiple times and finally had them remove the remarks and disputes due to trying to get an fha home loan. Still the disputes took WAY longer than 30 days, some of them were still open from 3 years ago. They repeatedly advised me of dates my deferments would end but started reporting those dates as late with XXXX XXXX XXXX. I 'm actively paying the loans now as deferment is no linger required but it has decimated my credit report by the tune of 51 late payments. I should have none for two reasons. One, it took more than 30 days to complete the disputes and two, my loans should have been on deferment anyways.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28
Company: DISCOVER BANK
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
Today, XX/XX/2019, I spoke to both, chat reps and phone reps to Discover credit card. I do love their services and features. I did get to transfer my balance with their awesome balance transfer feature and promotional APR of 0 % for 18 months. However, I figured Discover would allow more funds at different times to be transferred from other creditors which was my plan from the beginning. I wasn't aware that I needed another promotional offer to do multiple balance transfers on the same credit card. I never saw any rules or terms for that. I figured all creditors have the feature to perform balance transfer as long as its from other creditors and not within the same creditors. So the reps told me that I can not perform anymore balance transfers without a promotional offer from them. What's worse is that all reps confirmed that they do not know when the next promotional offer will show up in my account. They don't know and can't give a time frame. It's at random times, which is not clear. What criteria would I need to get another promotional offer? I feel that, they don't want customers to fully take advantage of their 18 month 0 % APR promotional offer which does help customers who want to be responsible for their debt. I was very disappointed with an ambiguous, arbitrary gray answer and ultimately I feel that Discover is more likely trying to burn off some time in months before allowing me to have this feature again so I can stay as their customer past their 18 month offer with the availability to transfer more funds halfway or later through the promotional timing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: SYNCHRONY FINANCIAL
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 made what I believed to be a final payment on an Ashley Advantage credit card issued by Synchrony Bank for a purchase made at Ashley Furniture. The payment was made on XX/XX/2020. I received no response, but assuming that because the account was paid off it wasn't unusual to not hear from the company. 

On XX/XX/2020, I received a letter stating that there was an overdue balance of {$12.00}. I immediately paid it. Even though I believed it had been paid off, I didn't want to risk a negative credit report for {$12.00}. Unfortunately, it was reported and shows up as a negative on my report. This negative is affecting my credit rating. 

The account number is ( was ) 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 2023-07-07
Company: Experian Information Solutions Inc.
State: NJ
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:
It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following accounts listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX Balance : {$0.00} DPT ED/XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$260.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  TX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$1200.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-19
Company: WELLS FARGO & COMPANY
State: CA
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:
On XX/XX/2023 I was once again charged for a return of {$150.00} after I disputed the transaction months ago on XX/XX/2023. This has caused me once again to miss payments. I did not hear an update from this dispute for months up until now when they took the money back out of my account. I would like my funds returned because this dispute is over 3 months old and was valid.

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