BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
On Thursday, XXXX XXXX, 2017 I began researching options to refinance my auto loan, which is currently with Capital One Auto. I was able to use XXXX XXXX to see who my best options were. I have always been happy with Capital One and was pleased when they were the first option, I went through the pre-qualification process and was approved. I went on to refinance, I signed a new agreement with them, sent my pay stubs, I even was told they 'd be paying off my other loan, etc. I received a congratulatory email and everything. After about an hour I received a call and an email from Capital One with no information other than a request to call them. I called them around XXXX XXXX ( a few mins after receiving this email ). Once I was able to reach someone I was informed that unfortunately, they were revoking my new loan and that Capital One Auto could n't refinance their own loans. I questioned why the website not only allowed me to even apply after I entered all of my information, including my Capital One Account number but went as far as to approve me and have me sign a new contract. The representative apologized and said " There is a checklist on the first page that states you do n't qualify if you have a Capital One Account ''. I argued, as I printed all of these pages out ; however, I did n't have them in front of me to be certain. I asked that Capital One, under the circumstances, would remove the hard inquiry reported on my credit report as I would now have to look for a new refinancing option. The representative told me no. I pre-qualified, which is the only reason I moved forward with the credit check. This morning I searched the Capital One website for over 30 minutes and did not find ANYTHING that notified a customer that if they had an existing account, they did not qualify. I feel as though the hard inquiry needs to be removed as I agreed to it under false pretenses. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Due to the COVID-19 pandemic, for the first time ever in this account, I accrued a 30 day late payment mark on my credit report. This was all set in motion by the immediate halt to my families income. In all the chaotic mess, I missed my payment in XX/XX/2020. Otherwise, I have never been late on this account before or since. I am making more than the monthly payment amount and the account is actually getting close to being paid off. This pandemic was an unforeseen hardship and it should be held as such.

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 2019-08-26
Company: WELLS FARGO & COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Wells Fargo Bank, NA {$730.00}. This item is reporting negatively and impacting my score monthly as it pertains to a charge off and not current with payments. This is not my account and was opened in my name fraudulently without my knowledge or consent in which to do so.

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 2021-03-31
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
SinceXX/XX/XXXX I have sent out paperwork 4 times and I have been told thru management that they have received the paperwork and then next week " we didn't get it pls send in again '' I call noone can tell me anything but send it in I ask for name change and dispute some things and find info on how to fix and make my credit better and out of the times I called it was unprofessional unpredictable and stressful XXXX had updated it but the rest of them us giving me problems can someone pls help me in this matter

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 2019-08-26
Company: EQUIFAX, 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:
XXXX XXXX XXXX from a loan/lease in 2009. A car lease was purchased in my name sometime in 2009 with XXXX XXXX XXXX. I have been disputing this with them as it pertains to my Equifax & XXXX Credit Reports for  quite some time now to no avail. I have sent them requested documents more times than I can count only to call back a few days later from a follow up to be told that they never received the requested information. Despite the fact that this is not my account the company is currently reporting incorrect information on my Equifax & XXXX Credit Reports showing that the company accepted this as a loss and did it as a charge off and now they are also reporting that the account is not current which is affecting me twice as it pertains to my credit scores and negative information on my account. I was a victim of the OPM Security Breach & the Equifax Security Breach. This item is reporting as a negative and impacting my score  monthly as it pertains to a charge off/not current with payments {$2600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
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: Information belongs to someone else

Complaint:
There is one account on my credit report that does not belong to me I have been going back and forth with the credit bureau and nothing has been happening I have opened a FTC report and still nothing I need to know why this is still on my credit report if it does not belong to me. 
XXXX XXXX - Acct # XXXX XXXX {$0.00}

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 explanation
Consumer complaint received 2019-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 a company named XXXX XXXX claiming that I owe {$900.00} to XXXX XXXX. I have never had dish network. I have not even have cable television in the last 10 years. I've reached out to them repeatedly and the phone call always goes on hold and then hangs up after a few minutes. 

This is NOT my debt and needs to be removed from my credit 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 2020-09-15
Company: ZWICKER & ASSOCIATES
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After receiving notification Zwicker & Associates was suing me on behalf of XXXX XXXX for an invalid debt I contacted them several times. 

Initially, I informed them on XX/XX/2019 at XXXX XXXX CST this debt was not valid and requested verification of the debt on a recorded phone call. I was told they would send me verification of the debt as well as verification of several charges and inconsistencies in the assumed debt. No debt validation was ever recieved. 

After speaking with Zwicker & Associates office manager on a second call on XX/XX/XXXX at XXXX XXXX CST, I was informed they were unable to validate the debt and the suit would be dropped and a release would be completed and sent. 

Without my knowledge and in opposition to their statements and instructions Zwicker & Associates failed to issue the release of debt and lawsuit, proceeding forward with their lawsuit. As I was told the suit would be dropped, I did not appear in court and Zwicker & Associates won a default judgement for an amount 2x their initial debt notifcation. A debt they claimed they would drop, as they were unable to verify as it belonged to someone else with my name. 

After recieveing a default judgement on this invalid debt Zwicker & Associates sold the debt to XXXX XXXX XXXX XXXX who is attempting to garnish my assets and accounts. I am on Social Security, which is exempt and have no assets. Despite this, they are attempting to collect on a debt which they failed and were unable to verify, claiming the debt belonged to someone else with my same name.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02
Company: EQUIFAX, INC.
State: VA
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 have contacted Ally Financial two times in the last 30 days and been advised by two associates and a supervisor that they can not verify, discuss or accept payment for a credit item they claim that I owe.Today I called again and spoke to XXXX who would not give his last name.He seemed to have full access to my account with my personal information, the vehicle related to the account and advised he could see where I had previously called last month.He refused to verify the amount they claim that I owe and repeatedly stated that he could not discuss my account. 
A previous call with a supervisor around XX/XX/XXXX I was told that these were new accounts that were not set-up in the system and that she also had no way to review the information or verify totals claimed were correct.This makes no sense as this account is over six years old and due to be removed by law in just a few months.There is nothing new about this account.She stated that even if I were agreeable to making a full payment she could not process.She further advised i should call back in two weeks which I did today XX/XX/XXXX. 
They are intentionally providing false information regarding access to the account. This is demonstrated by the fact that during my initial call and discussion with an account representative she advised that she could accept {$3000.00} to settle the account and advised that if I were to accept payment would have to be made within 10 days. This contradicts everything the supervisor and second representative said regarding their access to the account and ability to resolve the account. 

These details can easily be verified via a transcript of the calls which per the creditor are recorded. 

This creditor is unable to verify, discuss or settle payment on an account they are actively negatively reporting to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: AMERICAN EXPRESS COMPANY
State: TX
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 would like assistance with disputing a charge on my account for {$1500.00}. It was paid to Amex Everyday Credit Card on XX/XX/18. In total they charged me {$1500.00}. This company has not provided what I was sold, and this is because they misleadingly earned my business. I have attempted to " work '' this out with the merchant and they are non-responsive.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: EQUIFAX, 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:
There are 4 accounts on my credit report that are not mine and a bankruptcy that are not mine they do not belong to me I have not applied for these used this or even applied for this. 

Account Name : XXXX/XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX/XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29
Company: Experian Information Solutions Inc.
State: WI
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 tried several times to remove a public record that is still showing up on my Experian credit report. XXXX investigated and found that the bankruptcy was indeed not mine, and it's not. The record was removed from XXXX and the other 2 credit bureau files. The only one to remain is Experian. They continue to state, " the reporting company verifys the account is yours. '' XXXX has send me a copy of my report which also verifys the record has been deleted. When speaking to the Experian dispute person, she told me they send the dispute to XXXX and they have 30 days to respond. When talked to XXXX they claim they do not receive the dispute from them. So which is it? There is no way for me to get this corrected unless someone else steps in and forces them to do the right thing because they want my credit to remain bad. Experian has been told time and time again that they are reporting false information on my credit report and it needs to be deleted per the FCRA. They are clearly not doing their due diligence in the dispute process. They can't or won't event tell me how the process works. It's clearly a rigged system where no one is held accountable to uphold federal law. I demand the public record be removed immediately or legal needs to be taken.

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 2020-06-26
Company: NEW YORK COMMUNITY BANCORP INC
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have a supreme checking account with nycb which I have had for a long time. The account receives a high interest rate, which has been the case since inception. Recently I noticed that I was only receiving .5 % interest when it is usually 1.5 %. When I called and spoke to a rep they told me that it was due to covid. I was never notified of the switch. This is an unfair practice. Ni keep a lot of money in this checking account and if I was notified when the switch occurred, I would have moved the money. This is an unfair practice ( UDAAP ) as my account opening disclosures state a higher rate of interest. I plan on filing a lawsuit if the Bank does not switch my interest rate back, and back paying me for the interest owed ( from when they lower my rate to when its fixed ). I spoke to others that have this account and they are facing the same issue as I am.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I requested PMI removal from my home as it has been two years and my LTV is 78 %. I will need an appraisal to prove this, which is fine. But the Company demanded my LTV is 75 %, which is against the law. I need you to contact them and demand they comply with the law ( 80 % LTV ). I refuse to order an appraisal through them as they asked if they are only going to deny me when the appraisal comes back as 76-80 % LTV. I can provide proof of their letter demanding the 75 % LTV if you would like. Please contact me for the letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
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 opened a credit card account with XXXX XXXX XXXX XX/XX/XXXX. This account has been in good standing with them into the year XXXX when Bank of America took over. I have always made automatic minimum monthly payments on this account directly from my bank and had paperless statements and communication. As long as I saw the payments leaving my account I didn't worry about the account status. I was aware that Bank of America took over the account in XXXX but since my payments were still leaving my bank account each month I still didn't question my account status until last month when I paid off the balance on this account. Once the account was paid up, I logged in to see my available credit only to find out the account was closed in XX/XX/XXXX for apparently being past due. 
I spoke with customer service on XX/XX/XXXX to find out how this was possible since I was making my monthly payments. Apparently there had been a returned payment on the account in XX/XX/XXXX and my minimum payment each month was no longer covering the minimum due. I explained to the agent that since I saw payments going out each month that I was not aware of this issue and requested that the account be reinstated since it is hurting my credit score. At this point I was transferred to the credit department and was informed that since they do no have " the original terms of agreement '' for this account, they can not reinstate it. 
It was not my choice to have this account taken over by Bank of America, and if they did take over the account there is no reason for them not to have the original terms of agreement. 
I have asked that this account be reinstated on the merit of this being a long time account in good standing. As explained before, I was unaware of the missed XX/XX/XXXX payment and the effects it had on my account. According to my bank statements, I was making my minimum monthly payments. I do not feel that I should be penalized to this extent for one returned payment.

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 2022-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is not done in error and/or third party. I consumer ( XXXX XXXX ) recently review a copy of my credit report and I realize that as a consumer XXXX XXXX XXXX is violating my rights. I have never done any business with XXXXXXXX XXXX nor do I owe them any debt. They are violating my rights by having my personal information with is defaming my character and harassing me according to 15 USC 1692d. They are harming my life and my future. As a consumer I have every right to make sure that my rights are not violate, but yet they are being violated. They have communicate with me at an inconvenient time about this alleged debt which is another violation according to 15 USC 1692c. This debt is false and misleading which is another violation according to 15 USC 1692e. Another violation is that this company is violating 15 USC 1692f. I have attached my ID & SSC to identify me.

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 2022-08-07
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:
1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these Inquiry deleted or updated. These are the items I demanding to be deleted immediately : 1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit 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 non-monetary relief
Consumer complaint received 2021-03-31
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
contacted collection company on XX/XX/2021 to validate debt.. via XXXX never got a response. 
contacted collection company on XX/XX/2021 to validate debt via XXXX still no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: Bread Financial 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: Information belongs to someone else

Complaint:
XXXX  refuses to remove an inquiry even though they have been notified by the creditor that it is a case of fraud. Someone applied for a XXXX XXXX XXXX credit card with my information. Comenity Bank notified the three credit reporting agencies that the inquiry was not mine, and all but XXXX  removed the inquiry from my credit report. Comenity Bank says that they have done all they can and that it is XXXX. XXXX  says that they verified the account and that they are not removing it. I am stuck between a rock and a hard place, as it appears that it will take the Consumer Financial Protection Agency to get the account removed from my credit file.

Company response to consumer: Closed with non-monetary relief