BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
First, I apologize this may not be the correct place to ask this question, but we can not find the answer anywhere.

Several weeks ago our customers ' purchases starting getting declined by one credit card company, Capital One. After several days we realized this and suggested the customer 's call Capital One for additional information. However many call us back saying the Capital One call center agent told them they are not blocking the purchase.

One customer conferenced in Capital One while on the phone with us and a manager was brought to the phone. She did verify that they no longer allow the card to be used to purchase our product - we are a XXXX XXXX - although we are selling a legal product.

Of course we realize Capital One has the right to bar purchases but aren't they required to educate their staff about changes and inform the customer?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: Experian Information Solutions Inc.
State: OK
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:
Experian credit reporting has failed multiple times to provide information regarding a dispute on their credit bureau after stating that have sent the infomation. I do have informed delivery and at no time has any mail be sent or certified mail received. Your blanket responses will not be accepted just so you can close your complaints.

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 2020-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2023-01-31
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: Personal information incorrect

Complaint:
I've tried multiple times to contact Experian to delete multiple names/variations from my account, and either they have denied or made false promises. The first attempt was over the phone, and I was denied. The second attempt was through letter ( which included my Identification card and bank statement ). They denied my request and said it was someone speaking on my behalf. The third time I called them to confirm it was me wishing to change my personal information, and they agreed to remove it. They showed me they removed it, but did not. 
I believe they also have multiple names on my record that I'm not able to see.I received a credit report to someone of a different name/possible strange spelling to my residence. 

I have tried multiple times to remove this information in a kind manner, but the information is now damaging. I also has a debt collector coming after me under XXXX of the false names ( XXXX XXXX XXXX ''. When they removed XXXX name, the debt collector changed the name to " XXXX XXXX '' and sent it to my residence. 

Please, help me get these names off my credit report. I only go by the name 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 2023-05-10
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2020-07-16
Company: Statebridge Company
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX I was furloughed from my job. I immediately called my mortgage company, Statebridge Mortgage Co, to make them aware of the situation. I paid my XXXX mortgage on XX/XX/XXXX ( late if paid after the XXXX ). On XX/XX/XXXX they submitted on my credit report that I was 30 days late. This is NOT true. I then filed for a 90 day forbearance which they never filed ... so I decided just to pay the mortgage. Ive spoke to them and they agreed to remove the comment from my credit report ... but havent done so. This has impacted my credit score ... 4 of my creditors have decreased my limits so my CREDIT UTILIZATION has gone WAY UP. So my score has decreased! If you look on my credit report I have ZERO LATE PAYMENTS .... except this one. Can you please help?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: ENCORE CAPITAL GROUP INC.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
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: Old information reappears or never goes away

Complaint:
The reporting agency list an acct # XXXX on my credit report. this account is past the 7 years to be reported, which is a violation of the Fair Credit Reporting Act. 

the last payment of this account was XXXX  This account should be deleted 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 2020-12-04
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Hello, and thank you for your consideration in this matter. My name is XXXX XXXX and I have been a satisfied customer with American Express until now. I applied for a credit line increase on my XXXX XXXX credit card, and was denied. The letter that I received contained a few reasons why I was denied, but I was surprised by the first listed reason : " Your consumer credit report indicates your payment history has been unsatisfactory. '' Knowing this to be false, I reached out to the Chairman 's Office at American Express via email on XX/XX/2020, inquiring why this reason was listed on my denial letter. 

I was contacted by XXXX at the Executive Office at American Express at XXXX XXXX on XX/XX/XXXX, and she mentioned two things. Firstly, that based on what she could see using in-house information, my payment history has been fine with American Express. Secondly, she insisted this information was there because of information American Express received from my XX/XX/XXXX credit report. I checked my XX/XX/XXXX credit report, and there is no mention whatsoever of an unsatisfactory payment history anywhere in this report. This could very well be a simple mistake, but at this point, American Express seems quite certain my credit report is giving this information. This leads me to believe that this reason is appearing on my report fraudulently. 

I will send the XX/XX/XXXX letter and my XX/XX/XXXX credit report dated XX/XX/2020. I hope to hear from your office soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: EQUIFAX, INC.
State: AR
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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX  XXXX {$4000.00} CHAPTER XXXX BANKRUPTCY FILED XXXX CHAPTER XXXX BANKRUPTCY FILED XXXX CHAPTER XXXX BANKRUPTCY DISMISSED XXXX XXXX  XXXX {$4000.00} XXXX XXXX {$590.00} XXXX  XXXX {$500.00} XXXX  {$0.00} XXXX XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: Experian Information Solutions 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:
XXXX XXXX  XXXX XX/XX/2013 {$1100.00} sent : Deployment Paperwork, Police report and identity theft affidavit I contacted the company directly and was given the run a run, nobody wanted to assist in the matter I faxed and mailed requested docuements to the company directly along with each of the three credit bureau.

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 2021-02-02
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My mother had a Chase account and she was a victim of fraudulent activity. 
She then had me put on her account since she was XXXX years old, the fraud was committed by her daughter and XXXX grandchildren when she lived in the XXXX. Chase closed her account and seized if I remember correctly over {$2300.00} or more. I called the fraud department and the guy was extremely nasty. 

Since this all happened my mother moved into my house she can't be alone and I am her son and legal guardian, my name is XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: Shellpoint Partners, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX XXXX took a double payment from my account. I emailed them about it XX/XX/XXXX and was ignored. I was forced to call today XX/XX/XXXX and had to wait on hold. The person on the line was able to put in a request but it will take several days

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: EQUIFAX, INC.
State: IL
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:
To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXXXXXX {$600.00} XX/XX/2016

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Other problem

Complaint:
I'm trying to remove a joint account holder from my account. I added my partner as a joint account on my Bank of America credit card but can't get someone to help me remove him and get the account back to being just me as the owner

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 2019-11-15
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
On multiple occasions starting in 2017, Navient would call me offering options when I couldn't pay. When I spoke to them they would only offer Forbearance. Which I took, because I didn't know what else I could do. I now know that this would increases the money I owe over time. Most recently was last week over the phone. 
I also recently called to try to get a lower monthly payment, which is the reason I wasn't paying. I was immediately put on forbearance and then the estimate for repayment was about $ XXXX month. They just resent a new rate, without my consent or application for {$810.00} which will be crippling. ( Email on XX/XX/XXXX ). It states my payment is due on XX/XX/XXXX. But in my account it says a payment is due XX/XX/XXXX. Overall I find the site hard to determine what is real. 
Over the last 5 years Navient has tacked on extra $ - from {$23000.00} to XXXX and respectively from {$48000.00} to {$67000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I went to the emergency at XXXX hospital for XXXX XXXX XXXX XXXX at the time, even through I got insurance and The doctor even touch me, it just let 's me know you can go to see your primary doctor. I thought I was receive two or three bills from them and after I usually receive a lot call by different phone number who tries to make my life miserable until when I go to credit XXXX this week I saw two different bill but there is one I know {$370.00} and the other one {$120.00} I do not have too idea about it. I got a credit card from XXXX   XXXX it was closed, when I receive a letter by XXXX  XXXX XXXX said I have too much inactivity on this account, current or past delinquency, derogatory public record ( s ) and /or collection account ( s ) Utilization of your credit is too high an make my credit score very low like XXXX. I thought this is injustice and prejudice not because you are receive the letter from the hospital you have to do that because for XXXX dollars to make me lost everything. This is an act criminal at this pandemic virus that the time you chose to do that to me. 
Not only you make me on crisis with my family that mean you are closing all the opportunity I have and you close all the door for 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 explanation
Consumer complaint received 2020-07-16
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX Chase bank closed my account because I received an sba grant. Without notice or warning they completely froze my account and closed it. they did not let me bring documents to prove I was entitled to the grant thats was deposited.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: EQUIFAX, INC.
State: MD
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 repeatedly informed Equifax -- via letters and phone -- about credit inquiries, which I DID NOT initiate or authorize, that continue to appear on my report. 

Equifax has consistently failed to rectify this problem, and my credit rating and ability to obtain legitimate credit has suffered. The following false credit inquiries must be deleted : -- XXXX XXXX, XX/XX/XXXX -- XXXX XXXX XXXX, XX/XX/XXXX -- XXXX ( no date ) -- XXXX, XX/XX/XXXX -- XXXX, XX/XX/XXXX -- XXXX, XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: PAID IN FULL, INC.
State: AZ
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Paid In Full! XXXX & XXXX  XXXX  XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX ; ( XXXX ) XXXX, a collection company, started to call and send letters regarding a commercial lease. We have asked for verification and upon the last letter the collection company did not provide proof that who they were collecting for was the correct entity. 

XXXX the original owner sold the property and dissolved the company. We had been paying a different entity since XXXX. When we brought this up to the collection agency, they responded with : " We have communicated with our client concerning your dispute. Please accept this response as verification of this debt that our client has provided. Our client advises as follows : His lease was and remains in full force and effect through and after the sale. We had a new tenant commence as of XX/XX/XXXX. '' They then added a new name for whom they are collecting for without providing proof of who is the rightful recipient of the debt. 

This has caused much financial distress for us.

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 2020-07-28
Company: PNC Bank N.A.
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
PNC does not allow to securely connect with other services that may withdraw or deposit money. For instance, I have tried using XXXX a debit card for my child to which I can link my bank account to load money for her use and PNC doesnt allow. There are several stock investment services that I would like to use, but PNc doesnt allow linking.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: EQUIFAX, INC.
State: TN
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 want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief