BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My wife dies after a horrible XXXX  XXXX  XXXX. 
We had a card on the account for my daughter that expired. Long story on how we had problems with the postal mail while we were in XXXX TX fighting XXXX but my daughter never got her card. Capital One was VERY familiar with our battle- it was our primary and almost only credit card. When I called to get a replacement card for my daughter - only a couple days after loosing my poor wife- I informed them my poor wife had died and I would need help getting the account moved to my name only- I was immediately transferred to some department that handles this and they cancelled our account and the card and login was immediately useless. 
Listen to the call - I was devastated that my primary credit card was being cancelled in the middle of what was going on in my life. They were heartless and offered no help. 
In the ensuing weeks I have had to deal with MANY financial institutions ( e.g. banks, retirement plans, insurance, etc. ). and they have all been very sympathetic and helpful. 
I sent a letter to capital one to complain and of course have no response. 
I have received a bill from capital one saying its past due - seriously? I need a report of all the charges that have been charged under this account for the 2022 year for taxes but calling customer support only gets people whom can not find the account and then hang up on you. Again, listen to the calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19
Company: AMERICAN EXPRESS COMPANY
State: MA
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 customer service

Complaint:
American Express refused to provide me with the following information when I made a request to it : 1. A copy of my application for the account in question. specifically I would like to see the physical address and the MAILING address that I provided to American Express when I applied for its credit card in 2017. 

2. A copy of every statement that was ever issued on my account while I had this credit card account with American Express. 

3. The history of changes to my address I had on the account with American Express to which American Express had mailed me any materials.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19
Company: Shellpoint Partners, LLC
State: IL
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/2019, I called to initiate a 3 month repayment plan that included the XXXX payment, that would be added into the XXXX, XXXX, and XXXX payment. I spoke with multiple reps and Supervisor 's over the course of a couple weeks to get clarification and adjust payment dates. Each time I spoke with a rep. I asked about negative remarks on my credit reports, and they all stated that their would be no remarks left on my credit report if the instructions of the repayment plan were completed correctly and timely. A complaint was sent to CFPB about the aforementioned issue because I was reported incorrectly for XXXX. The company responded and stated in the attached document, that they did in fact report XXXX to the credit bureaus in error, but found that they did report correctly for XXXX. Attached you will find the response from the mortgage company. My complaint is that the XXXX negative remark is a error as well. The repayment plan was cancelled and restarted, and was to include the XXXX payment, which according to the repayment plan, the XXXX payment had to be received by XX/XX/XXXX to avoid negative reporting. A payment was made on XX/XX/2019 for {$2000.00} which was the initial down payment and the requirement needed to avoid negative reporting for XXXX. This was all advised by the Supervisor I spoke with on XX/XX/2019. She stated that if I made the down payment and returned the documents, negative remarks will not be made. I clarified 3 times before ending the call. The original repayment plan was altered but still included XXXX. The Repayment Plan document states " As of XX/XX/2019 the total past due amount is {$4000.00}. This amount includes all past due payments of interest, principal, and escrow .... Your past due amount is now part of your new total monthly payment amount listed in the repayment plan terms section below. '' It states later on the document ; " The initial payment of {$2000.00} must be received in our office on or before XX/XX/2019. '' Therefore, I should have been protected from any negative reporting for XXXX and XXXX because the repayment plan terms clearly outline that all past due amounts are included and it also includes the down payment date and amount which received on XX/XX/2019. This has now happened 4 times, and twice the company has acknowledged they made a mistake, this complaint and a complaint from XX/XX/2019, which has been sent to CFPB separately, should be investigated and corrected on my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01
Company: EQUIFAX, 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:
I call the credit bureaus and told them i was a victim of identity theft. I was told to send all the proper docs to get these account removed. I sent in everything they ask me to and the accounts are still there.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Transunion has reported on my removed or show proof it was me that applied for credit for those companies. which credit report like 21 inquires that's not mines. As well I have sent a police report and a list of all inquiries to ball inquiries are Fraudulent. I have called and they told me they closed my request to have removed because my police report wasn't real. But Police report has the county of Police name as well the police report number to call and ask if this is a real police report. They are stopping me from get credit because of to many inquires. Here 's the inquires that's Fraudulent XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have reached out to all the above and has file a complaint with CFPB and they all reached out to me ststaing they have no knowledge of what and why Trans Union reporting Inquires in their name on my report when they do not didnt not request credit from me nor has proof i did once i told them i was in a coma for 2.5 months and couldn't talk nor write and has proof from my doctor it wasnt 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 2022-09-15
Company: EQUIFAX, 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 sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a file below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19
Company: National Credit Adjusters, LLC
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: Account status incorrect

Complaint:
On XX/XX/2019 a CFPB complaint was opened against National Credit Adjusters regarding a clear failure to properly notify the consumer Of a debt. 
This complaint number in reference is : XXXX In the companies response they provided a false and misleading statement when referencing the account ( s ) in dispute. 
They have reported and continue to report this information in a negative file to the 3 major credit bureaus. 
They have failed to properly comply with the disputed filed through the credit bureaus They have stated in response to the complaint filed with CFPB that they are not reporting this information to the credit bureaus which is clearly an erroneous statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I had recently sent a letter to cfpb showing that XXXX who took over my account from XXXX XXXX has been reporting incorrect information over the years in regards to my account. I had requested forbearance/deferment on my account over the years due to certain hardships, however during this time XXXX reported to the credit bureaus that my account was delinquent. I also sent a statement to both XXXX, the credit bureaus and cfpb to show the dates that were being reported and that during the time my account was in deferment/forbearance. I have not gotten any results from any of these agencies and my credit report still reflects negative information which is hurting my good standing.it is hindering me from purchasing a home and everything I do get ( credit cards etc ) all have high interest rates because of these negative remarks.also the interest being charged is bogus I took out a loan for XXXX dollars with XXXX XXXX and have been making payments over the years ( sometimes more than the minimum ) and currently owe XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2022-10-17
Company: Experian Information Solutions Inc.
State: NY
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:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

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 2021-03-24
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding my ( XXXX XXXX. The status is reporting late. I find that strange since I dont recall being late at all. Prior to submitting this complaint, I have sent over 3 letters to the Bureaus to have them send the proper validation of this alleged late payment. I have even requested bank statements to be provided to prove that the payments were indeed late. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well ( different open/close dates ). Doesnt this go against the FCRA Laws?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I looked over my credit report and saw some inaccurate information for the second time. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-02-19
Company: Experian Information Solutions Inc.
State: AL
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:
Experian credit report agency recommended me to apply for credit card capital one due to incorrect information database force me to have a inquiry hard on my credit report fraudulent activity happened with credit report agency an capital one false information force me to apply for credit card denied me credit an they not updated my credit score to account I have ok file fraudulent activity happened with my credit score request investigation an that inquiry be removed due false information

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 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Greetings! I am presenting this complaint for 11th time to dispute the fraudulent items on my credit record. I insist immediate removal of these items from my credit report. According to Section 605b of the Fair Credit Reporting Act ( FCRA ), it is the duty of the credit bureaus to ensure the accuracy of the information they furnish. These fraudulent items are evidently inaccurate and are detrimentally affecting my creditworthiness. I have already provided all necessary documentation to establish the fraudulent nature of these items. Furthermore, I have formally requested the responsible creditors to investigate these fraudulent items and REMOVE them from my credit reports. Despite my proactive efforts, these fraudulent entries persist on my credit report, causing substantial distress and financial hardship. This is unacceptable and a clear violation of my rights under the FCRA. I demand to the XXXX, XXXX and TransUnion Credit Bureaus to remove these fraudulent items from my credit report expeditely, and provide me with a written confirmation of the removal. Failure to adhere with this request will compel me to pursue legal action, as I will not tolerate any further damage to my creditworthiness : XXXX : XXXX XXXX XXXX XXXX XXXXXXXX, AL XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$32000.00} XXXX : XXXX XXXX XXXX Balance : {$32000.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$180.00} TRANSUNION : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXXXXXX Balance : {$2400.00} XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX Balance : {$3100.00} XXXX XXXX Balance : {$500.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$31000.00}

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 2023-02-24
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 a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the accuracy of the credit information that [ Credit Bureau XXXX XXXX has XXXX on my credit report. Specifically, I am disputing the following accounts : XXXX XXXX  XXXX XXXX late payment account XXXX XXXX late payment account XXXX XXXX late payment account XXXX  XXXX charge off account XXXX XXXX Charge Off account XXXX XXXX Charge Off account I believe that this information is inaccurate and incomplete and may be in violation of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Truth in Lending Act ( TILA ), and the Equal Credit Opportunity Act ( ECOA ). Under these laws, credit reporting agencies are required to ensure the accuracy and completeness of the credit information they provide to lenders and other entities. 

Therefore, I request that [ Credit Bureau Name ] investigate the accuracy of this information and correct any errors on my credit report. Please also provide me with a copy of my updated credit report once the investigation is complete. 

In support of my dispute, I have enclosed any evidence I have that demonstrates that the information on my credit report is inaccurate. This evidence may include payment records, bank statements, or any other documentation that supports my claim. 

Thank you for your attention to this matter. I look forward to hearing back from you within 30 days, as required by the FCRA. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX : {$0.00} 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 2019-12-19
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:
Hi, I hope you're all doing great. I'll be straight, I need these following accounts to be investigated as they seemed to be either INACCURATE, INCORRECT, and UNKNOWN to me within my knowledge. I have listed the wrongs I have noticed below. Ive actually tried again and again to make sense of what Im seeing. Unfortunately, I cant make heads or tails of this and need your help. Ive found multiple inaccuracies and Im aware that your job is to ensure the accuracy of my credit report. If you would, please investigate these items and send me a new credit report reflecting the changes. I would appreciate it if youd expedite this because I need to apply for a job.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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 was part of the XXXX credit information hack. It is unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by XXXX, XXXX, or TransUnion in the first place. 

XXXX should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. 

Thank you for your time.

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