BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NH
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 had filed a dispute against XXXX XXXX on XX/XX/XXXX. Claim # XXXX for {$200.00} as the refrigerator that was delivered to me was missing the internal shelves. XXXX had refunded me {$380.00} which you will see as a credit on my account and this refund was due to scratches and external damage on the exterior of the refrigerator. When I asked XXXX to refund me for the internal shelves, they said they wouldn't refund me for the shelves and would refund me only for the external damages and those shelves cost {$200.00} and that's why I disputed only {$200.00}. 

When I initially opened this dispute, I had clearly mentioned to the bank that the credit of XXXX was for external damages and I still need credit for the internal shelves that XXXX is refusing to give and hence this dispute. 

I got a letter from the bank on XX/XX/XXXX stating that " thank you for letting us know that you no longer wish to dispute the {$200.00} and we are closing this dispute '' - Are you serious? I never ever called you to cancel this dispute. you guys closed it on your own without any consent which is ridiculous. When I called the bank they stated that XXXX already gave you a credit of {$380.00} so we canceled this dispute. Are you serious? Did you even read my initial claim properly? I need this dispute reopened and {$200.00} back from XXXX or the bank whoever wants to give it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18
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:
After receiving a current copy of my credit report, i discovered some entries that were identified as inquiries which qualified for deletion from my report.

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: Experian Information Solutions Inc.
State: IN
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 am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation.

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 2023-02-23
Company: LEXISNEXIS
State: TX
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 PREVIOUS COMPLAINT WAS CLOSED! BECAUSE SOMEONE CLAIMED I HAD REPORTD IT BEFORE. 
NO! I HAVE NOT REPORTED LEXIS NEXIS BEFORE! AND I WANT MY COMPLAINT DEALTH WITH SERIOUSLY! 

Lexis Nexis has gathered all my life 's history without permission and put it out in their database to sell to companies requiring my insurance and driving history and companies that are not in the car or house insurance business such as XXXX XXXX. I do not have a relationship with XXXX XXXX. Lexis nexis should only provide pertinent insurance and driving record and some records there are more than XXXX XXXX XXXX and should not be used in decision making process of the requesting entity. Lexis nexis put 's in credit reports and scores in their database which they shouldn't and the reports are inaccurate and out of date. Lexis nexis is in the business to make consumers look as bad as possible so they can justify their fees which result in consumers paying a much higher rate for insurance for the consumer. I have reached out to Lexis Nexis to remove all my personal information not necessary to getting a quote for auto and car insurance, and told them to freeze my report but they have refused to do so, claiming it is a " permissible purpose '. I have include the report Lexis Nexis is providing to anyone who asks. This is an invasion of privacy and is against the law. Lexis Nexis has placed a link in my XXXX credit report XXXX XXXX XXXX XXXX so third parties can request my Lexis Nexis report. This is against the law. 
XXXX XXXX TO OPEN PDF IS ( supplied by Nexis Lexis ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11
Company: Experian Information Solutions Inc.
State: OH
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 filled a dispute with EXPERIAN, regarding that an account that is showing on my credit report that I did not authorized to be open. 
The account is : XXXX XXXX - XXXX XXXX, and EXPERIAN came back saying this is a valid account, but did not provide of Affidavit of Debt or documentation that I actually opened the account. The other 2 credit reporting bureaus removed the account because they were able to verify that this was not my account.

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 2015-12-23
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I submitted a complaint over a month ago. That complaint is XXXX. 
I have still not received a copy of the investigation and full copy of my credit report. I was recently denied credit due to inaccurate Equifax information, but I do not a full copy of the report so I can not dispute the specifics. I am attaching the credit denial letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
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:
THE DISPUTED ACCOUNTS AND INQUIRIES HAVE BEEN CASUING SERIOUS DAMAGE TO MY CREDIT REPORT AND I AM NOT LIABLE TO THOSE REPORTING. THEY ARE INACCURATELT PLACED ON MY CREDIT FILE AND HAVE BEEN REPORTING FALSE TRANSACTIONS. I AM REQUESTING IMMEDIATE REMOVAL OF THOSE DEROGATORY MARKS AND INQUIRIES THAT HAVE CAUSED MY REPORT TO BE MEDIOCRE. PLEASE INVESTIGATE THIS MATTER AND HAVE THOSE REMOVED.

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 2020-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
To whom this may concern : On XX/XX/XXXX, TransUnion received my follow up letter via certified mail ( see attachment ). This follow-up letter was in regards, to my fourth letter dated XX/XX/XXXX, regarding your refusal to delete unverified information and unauthorize inquiries from my credit report. As of today XX/XX/XXXX, TransUnion has not responded to my request. 

Despite five written requests, the unverified information listed in my letters still remains on my credit report. By not replying in a timely manner to my fourth letter dated XX/XX/XXXX ( which you received on XX/XX/XXXX, via certified mail ), and my fifth letter dated XX/XX/XXXX ( which you received on XX/XX/XXXX, via certified mail ), TransUnion has not only violated federal law ( Fair Credit Reporting Act section 611 ) but has also failed to provide me with a copy of any viable evidence, bearing my signature, showing the accounts are being reported accurately. 

As TransUnion has now violated federal law, by not properly investigating and responding within the required timeframe, and I have evidence, via certified mail receipts, TransUnion must now promptly DELETE all unverified, unauthorize, inaccurate, or incomplete information from my credit report. 

Below are the unverified accounts : XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Below are the unauthorized inquiries : XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX 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 2021-10-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
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: Card was charged for something you did not purchase with the card

Complaint:
In XX/XX/2021 I received a bill for {$99.00} dollars and change on my MasterCard from capital one. This charge was for a subscription from XXXX. I had been getting these charges every year for awhile. I would call capital one and dispute this charge and they would issue me a new card and disallow the charge from capital one. The problem was, they would then give my new card number to XXXX and the next year it started all over again. I am being charged on a reoccurring charge that I did not authorize nor want the service. I tried to call XXXX, but the phone numbers provided to me by capital one and rivals are bogus. I had to end up paying XXXX after added fees. For a fraudulent charge from rivals and they were helped by capital one.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-13
Company: NAVY FEDERAL CREDIT UNION
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We have recently applied for a mortgage with Navy Federal Credit Union, approximately one month ago. In the very beginning we sent the loan processor our paystubbs and she was aware of our employment status ( my husband W2 and myself 1099 ). She then forwarded our information to the underwriter who which had our file for more than a week before notifying us that we were not approved due to me being a XXXX XXXX  They have known that I work XXXX  for one month prior to them deciding that they were not going to approve us for our loan. They advised us to pay for the appraisal during this process, so we did and it was performed ( prior to them giving us an approval and already being aware of our employment status ), so now we are out money for the appraisal. We have had multiple loans with NFCU in the past, never missed any payments, and my husband and I both have strong work histories. I believe they are in the wrong to not only deny us for a mortgage loan, but also have us pay for an appraisal prior to them even looking at our file to see if we even qualify before we paid out money to appraise a property we would never have a chance to own. I believe their mortgage loan processing practices are not ethical and I would like for someone to look into this for me. We have lost much time, money and heart over this past six weeks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: Experian Information Solutions Inc.
State: AZ
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 have filed multiple disputes beginning in XXXX of 2022 in regards to inaccurate items on my credit report. It has been well over 30 days and I have yet to receive any investigation or verification results. In accordance to the fair credit reporting act this creditor has violated my rights. According to 15 USC 1681 602 states that I have the right to privacy, section 604 ( A ) ( 2 ) No one can furnish information on my credit report with without my written instruction.

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 2021-02-26
Company: SELECT PORTFOLIO SERVICING, INC.
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I purchased my home XX/XX/2001 for XXXX in the first home buyer program with a fix rate of 8 % and now 19yrs later I owe XXXX my principal is XXXX and my interest isXXXX a month Ive made three attempts to lower my interest rate so now its 6.375 % I didnt know all these years what was being done to me, I could never get my balance down I started off with XXXX XXXX XXXX XXXX XXXX for some years and then without me asking they sold my account to Select Portfolio Servicing which Ive been dealing with for some years now please help me with answers

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Please see attatchments.

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 2019-02-14
Company: EQUIFAX, INC.
State: CA
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 XX/XX/XXXX I notified XXXX, Equifax, and XXXX of multiple unauthorized inquiries on my credit. I notified the credit bureaus that I submitted requests to each individual inquirer to show I authorized the inquiry and had no response from them. 

Since XXXX until now the 3 credit bureaus have not sent me proof nor removed the credit inquiries. 

I again notified the bureaus in XX/XX/XXXX that it has been more then 90days and I have not received anything showing proof of authorization or removal. 

From my understanding the Bureaus have 30 days to investigate and if they can not provide me any proof then the inquiries must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
Hello, XXXX XXXX shows up on my Experian report twice as a debt. 
On XX/XX/2013, it shows up as {$280.00}. And on XX/XX/2013 for {$680.00}. In california, the statute of limitations is 4 years, but these collections keep showing up on my account.

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 2020-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 filed disputes with all 3 major bureaus for accounts opened in my name that do not belong to me. Someone has been using my personal info to get accounts in my name and I went to the police station. I also filed an identity theft report because someone has obviously stolen my identity. The bureaus have done nothing and I sent them everything they asked for along with the disputes so I don't understand how they can not remove them.

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 2023-03-02
Company: CREDIT ACCEPTANCE CORPORATION
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
On XX/XX/2023, I entered a consumer credit transaction, not a loan with Credit Acceptance. I entered a consumer credit transaction agreement without transparency regarding the process of the consumer credit application being a financial asset. I now know that my signature is what created the security. According to the Federal Reserve Act Section 16 Part 1 and 2. The application was deposited into the Federal Reserve Bank for the dollar amount of the consumer credit transaction. I am the holder in due course and the XXXX. This is what makes this a fraudulent transaction. Credit Acceptance was already paid when they deposited my credit application into the Federal Reserve Bank. Now they are reporting a balance on my credit report as a debt. How can I owe a balance when they have already paid for the transaction. Credit Acceptance knowingly and willingly entered into a false and deceptive consumer credit transaction with me. the consumer. Credit Acceptance accessed my ( XXXX ) Treasury Account, only to make it appear as though they were loaning me money ( application ) and charge me interest. There was never any money given to me in this transaction. Credit Acceptance was also asked to show where they loaned me physical cash from their own assets and as stated earlier, they never responded to the debt validation/notice of dispute request. This entire transaction is fraudulent and misleading. Although I wish to resolve this matter amicably, I am prepared to seek compensation for damages for Defamation of Character, Securities Fraud, Trust Fraud, Fraud, Embezzlement and RICO. 
Credit Acceptance also violated numerous TILA and FDCP laws regarding fraud and my consumer rights. I know that I have a right to ask for debt validation according to Federal Law. Credit Acceptance has ignored all requests thus far. 
I also asked them for a copy of the actual contract with my wet ink signature and they mailed me a picture of the electronic signature agreement. 
I mailed Credit Acceptance a Debt Validation letter requesting a financial ledger regarding this fraudulent account and they mailed me a 1 page document called ACCOUNT NOTICE, still attempting to collect on this fraudulent alleged debt. I also intend to reach out to the IRS for an audit and an investigation of Credit Acceptance financial business practices. As of the time of the filing of this complaint, Credit Acceptance has not reached out to me to try to come to some type of resolution.

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 2023-05-07
Company: Experian Information Solutions 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:
There are late payments being reported inaccurately on my 3 consumer reports. They're all reporting something different ( EX-XXXX  ). I have reached out to all creditors and 3 bureaus and all give me the run around

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have a loan being managed by AES, the original balance was XXXX. Over 12 years I have paid : Principal Paid : {$66000.00} ; Interest Paid : {$34000.00}. I may have paid a couple of days late one or twice and deferred by one month once or twice - nothing that should account for the XXXX that seems to have been applied to nothing. Other than that, I've always paid on time. My balance has gone down XXXX in 12 years. I have paid XXXX towards the balance and it has gone downXXXX. When I call and ask how this is possible, no one will investigate or help me figure it out. I don't know who else to turn to. Accountants always tell me they don't specialize in student loans. Considering how much recent scrutiny of AES ( pheaa ) I am concerned my account isn't being handled properly. Any help is greatly appreciated. thank you

Company response to consumer: Closed with explanation