BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-02
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I have a capital one Credit card that has been reporting to my credit reports incorrectly. I have done numerous requests to correct and they keep coming back with entirely different information on each of my credit reports! After my verifications through them as well as the bureaus themselves. XXXX as reporting 1 late with the dates of XX/XX/XXXX. XXXX they reported 2 lates on the dates of XX/XX/XXXX and XX/XX/XXXX. The took the account completely off of XXXX entirely and then it just popped back on with no lates. After tons of hours of verifying, requesting it get corrected, it still reports incorrectly to each bureau and is affected my ability to get credit. It greatly impacts my score and I have been denied credit due to each of the incorrect lates! I need help getting these lates and inaccurate information removed from my credit report as I have done everything I can.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I opened a checking account on XX/XX/2019 with Capital One 360. Due to the limitations of Capital One 's website, I had to initially open it in my name only. Once the account was opened, I was then instructed to send an invitation to my spouse in order for her to become a joint account holder. This was done and my spouse received an email the same day instructing her to log in to Capital One and complete her portion of the joint application. 

When my spouse logged into the Capital One website to complete the joint application, she answered a few questions and upon submission was stopped due to a what was called a security issue. Despite going through this process several time her portion of the application could never be completed. 

Over the course of the next few days, both my spouse and I spent several hours on the phone with Capital One personnel in an attempt to complete the joint application process. And at no point was she given a reason for this failure other than their software sometimes has problems. And worse yet, there was no one willing to step forward and intercede. 

Finally, after getting nowhere with Capital One, I chose to close the account on XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09
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 pulled my credit report XX/XX/XXXX and saw that this collection agency XXXX XXXX was showing up as a collection and that I owe them a debt for {$990.00}. I sent them a certified letter with a return receipt to verify the debt with my signed signature. They sent me a letter back dated XX/XX/XXXX and it was great news that they had concluded its investigation of my dispute and are closing both accounts since I had 2 accounts with them and they are requesting that the three major credit agencies delete XXXX trade lines from these account on your credit reports. Shortly after that I got an update credit report showing they were both deleted but only off of 1 of the 3 XXXX, the other 2 Experian and XXXX only removed 1 and are still showing the other one. I sent them both a certified letter that I had received from the company again requesting that the second account be deleted also.They still have not removed it. I sent another certified letter again with no result so that's why I'm here. I got an alert that something new was on my credit report so I pulled my credit report today XX/XX/XXXX and my reports says a new collection has been added to my reports, again only on Experian and XXXX not XXXX so instead of deleting it they makes it appears to be a new account and my scores dropped by 49 points which is major and drastically. I am going to report this action to Attorney General and the XXXX XXXX XXXX today to see if can get this off of all my credit reports. This needs to be resolved immediately as this is majorly affecting my credit scores.

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 2023-12-17
Company: EQUIFAX, INC.
State: KY
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:
XXXX XXXX IS INACCURATELY REPORTING A DEBT LOAN TO MY PERSONAL CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: EQUIFAX, 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:
To Whom It May Concern, I made an uninformed decision on XX/XX/2016 when I entered into this consumer credit transaction. The only evidence they have is the agreement, and since there is no evidence of indebtness and because of this uninformed decision this contract is null and void. It was not clear and conspicuous.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
After taking a friends advice and reading the FCRA, I noticed that the furnishing companies were in violation of my federally protected consumer rights. The list of accounts I have below have also been attached in my FTC Report. The section of the violations fall under consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : ACCOUNT NUMBER : XXXX XXXX : XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX 15 USC 1681 section 602  A states I have a right to privacy. 

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish any account without my written instructions. 

15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may report any items of information or adverse items other than criminal convictions record which pre dates the report by more than 7 years. 

15 USC 1681s-2 ( A ) ( 1 ) states a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the Information is inaccurate

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 2019-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am a victim of identity theft. These accounts are not mines

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 2019-12-18
Company: Diversified Consultants, Inc.
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I had this service in XXXX Ive had it dropped twice now and they keep putting it on my credit with a different date. Its Diversified Consultants/XXXX XXXX for {$330.00}. They say it was opened in XXXX which is completely false. I want this removed for good!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I did not authorize anyone employed by the companies listed below to make an inquiry and view my credit report. These companies have violated the Fair Credit Reporting Act Section 1681b ( c ). Such companies are not legally entitled to make the inquiry. I have a credit freeze. This is a serious breach of my privacy rights.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 


XXXX  XX/XX/2023 The inquiry was not authorized XXXX XX/XX/2023 The inquiry was not authorized XXXX XXXX XX/XX/2023 The inquiry was not authorized XXXX XXXX XXXX XXXXXX/XX/2023 The inquiry was not authorized

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 2019-12-18
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In my business checking account, the bank withdrew {$7900.00} overnight unknown to me leaving me a negative {$770.00}. In addition there is absolutely ZERO record of any pending transaction or otherwise of {$7900.00} on the transactions page. In addition, the - {$7900.00} happens to be listed on the line where it says deposits on hold for processing! Does that make sense deposit of a NEGATIVE number? There is no evidence whatsoever that I did anything with {$7900.00}, just a withdrawal from the bank with no explanation. I went to bed just fine and I woke up to a mess because, for no reason, withdrew {$7900.00} from my business checking account. I dealt with about 10 different people and departments over a 6 hour span and kept getting passed around and known of them had any answers. The Date is  XX/XX/2019. 

How can your complaint be satisfactorily addressed? 
All I want is my {$7900.00} back as it is my money and not the banks. So, {$7900.00} back in my checking account is a successful 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 2022-10-14
Company: EdFinancial Services
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I requested a refund from edfinancial and have not received it yet. I have received no updates on whether it is being processed or not

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-01
Company: Diversified Consultants, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The week of XX/XX/XXXX I sent a letter to XXXX, XXXX, and XXXX to verify/validate a debt that is on my credit reports. XXXX sent a letter the week in XX/XX/XXXX stating this debt was under investigation. I never received any notification about this debt being verified or validated from none of the bureaus but on XXXX this account is showing as closed, XXXX and XXXX it 's showing disputed by consumers. Diversified failed to verify or validate this debt for account XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-04
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:
XX/XX/2023 Bank of America sent me a letter stating that I have not used my credit card for a while, so they are canceling my Automatic Payment plan on XX/XX/2023. They are now directing me to pay my credit card online or by mail. 
I have multiple issues with this policy change. They have instituted this policy to generate late fee income and unnecessary interest charges. Many customers will not see this letter of Automatic Payment Cancelation and their credit score will be affected when their payment is not be paid. Canceling Automatic Payment will only benefit Bank of America fee income and will hurt the consumer. This action by Bank of America should result in a class action lawsuit that I would gladly participate in.

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 2022-10-18
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Defaulted on loan, worked with mortgage company for mortgage assistance, repayment plan ... Made three timely payments back in XXXX, XXXX, and XXXX. Mortgage company stated did not received signed documents after the three payments were made. Have been working with lender to make payments since last payment was made. A couple weeks ago, I spoke with account manager/specialist, documents were submitted where approved for new plan, latter called mortgage company to make payment ( {$7400.00} ) and get back on a repayment plan. The company stated they did not file the paperwork it was an error on lenders side. Today I called again, approval was given for down payment, but customer service agent stated it was denied. I have made several attempts to make a payment to my mortgage company so I can keep the house. As of today still unsuccessful. I have a call from lender, ( specifically, account manager ) to discuss options again. Also have another call scheduled for XX/XX/26.

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 2019-12-18
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 am a victim of identity theft. Some information which appear on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information.

Also, update my personal information to my credit report.

See attachment for the following : A summary letter FTC Complaint form A copy of my Identity Theft Report Police report proof of my identity ; a copy of my drivers license and Social Security card Proof of address A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On four separate occasions I have sent the ask for documents to all three credit reporting agencies in hopes of removing an Extended Fraud Alert I placed on my credit accounts in a mistaken effort to restrict access to my credit. Somehow this alert is for ten years and turns out was n't needed now I virtually have no credit at all and am denied credit everywhere even with an XXXX credit score, this prevents me from obtaining certain services in my XXXX XXXX fight. In the end my concern with my credit may actually kill 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 2019-12-18
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. Some information which appear on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information.

Also, update my personal information to my credit report.

See attachment for the following : A summary letter FTC Complaint form A copy of my Identity Theft Report Police report proof of my identity ; a copy of my drivers license and Social Security card Proof of address A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that 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 non-monetary relief
Consumer complaint received 2019-12-18
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have a fraud alert on my credit report which is to prevent unauthorized access to my file with Equifax. I ordered a copy of my credit report as I started getting calls from various companies offering me a car loan only to find out these companies had accessed my credit report without my permission even with a fraud alert present. The following companies were found upon my review of my Equifax credit report which were unauthorized : XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX Credit Bureau Dispute XXXX, Texas XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Texas XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, VA XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX, Alabama XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX  XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX  DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
These items were deleted then they reported again without notifying me 5 business days after and certifying that the items was validated properly. XXXX XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX - XXXX, This collection account is inaccurate XXXX XXXX XXXX - XXXX, This personal information is inaccurate XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, and XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NY, 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 2023-09-23
Company: EQUIFAX, INC.
State: TX
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:
Please see CFPB Complaint XXXX. Equifax corrected my credit report after the complaint was filed and confirmed XXXX XXXX XXXX  and XXXX were not reporting. Less than 30 days after we resolved the matter, the accounts reappeared. I have filed 5 disputes and sent 3 emails to the executive office. All of my attempts to resolve have been ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
According to the CRA 's I have been told that I a CONSUMER owes on a debt with CAPITAL ONE Credit Card. I have never been given a copy of the agreement that would verify I have been made aware that I owe. Who is the Original Credit and is there some type paper work that I have signed documentation that validates such debt. Cease and desist till there is some type of XXXX XXXX that will help me go after the real guilty party in this matter. Please do Not send me a Statement it is an can not be proof that I have done business with CAPITAL ONE.

Company response to consumer: Closed with explanation