BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-15
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:
I have an account with a company which is XXXX XXXX and my wife have one well they have her account on my report.

Creditor : Ally Financial Amount : XXXX account # XXXX I sent a dispute letting them know the XXXX XXXX XXXX    XXXX account XXXX is a fraudulent account in the amount of XXXX its been 2 months but haven't been taken off the report. The same company XXXX XXXX XXXX XXXX has two accounts on there the other is XXXX in the amount of XXXX this has been embarrassing to say the least I pay my bills on time and are being penalize by this breach in security. 
Also there is unauthorized inquiries that is causing my score to suffer greatly. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX All Banks 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 explanation
Consumer complaint received 2021-07-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
Problem is with the holding of payments for 2 to 3 days when purchases get deducted instantly.

I've also requested a line increase year over year for the past 5 years without success.

Capital One seems to be okay with processing charges on a minutes notice but my payments stay in transaction limbo for 24 to 72 hours and the only reason they give is, that there are transactions pending.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06
Company: USCB Corporation
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: Investigation took more than 30 days

Complaint:
I have reviewed a copy of my credit report and I show company XXXX XXXX ( Original Creditor : 01 XXXX XXXX XXXX ) account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.

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 2018-12-14
Company: Machol & Johannes, LLC
State: NM
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a garnishment through my bank account at the beginning of this year. This garnishment was processed without me being notified via written correspondence, phone call nor being properly served. I disputed the garnishment and a couple of months later the funds were returned. A second garnishment was initiated, again without proper notification, via my employer and the funds were collected in full in three installments. I have all the documentation reflecting the full payment of the garnishment. To my astonishment, on XX/XX/2018, the same company, garnished the same debt, already paid via the three monthly installments from my employer. They again failed to contact me in any way, and have illegally taken my money, causing me distress.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Equifax and XXXX are reporting 2 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 5th dispute letters to Equifax and XXXX since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: Shellpoint Partners, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I filed a previous compliant today # XXXX. 
I would like to add that I would like to dispute the legal and foreclosure fees that I'm currently paying as the process was started in error. The foreclosure fees assessed where made after the payment was made of {$2100.00} and a request for assistance was made twice prior to this foreclosure step which caused the additional fees. I would like to know if I could pay the 3 months mortgage that is showing behind and make other arrangements for late fees as the mortgage repayment plan is high. Thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15
Company: CITIBANK, N.A.
State: MO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Credit card company forcing arbitration

Complaint:
I called Citibank executive office and asked for XXXX and a guy named XXXX XXXX laughed at me and made more Deragotory comments after my initial complaint about racial discrimination. That call took place XX/XX/XXXX at XXXX and there is a screenshot attached. Futhermore the vehicle is now damaged from the leaking and has also ruined my garage. Here are 3 videos you can download files to large to attach. The video can be downloaded for free as a guest at this links - 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 explanation
Consumer complaint received 2021-07-14
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
We DO NOT have any student loans but Navient is calling relentlessly. It is in error, there are not students with loans at this address or phone number XXXX They call at least 10 times a day.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15
Company: CITIBANK, N.A.
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 information incorrect

Complaint:
My XXXX XXXX XXXX credit card was use I try many times to file a dispute with my bank and my claim got denied. I have filed police report XXXX and I was not aware of the charges made on my XXXX credit card and I did not authorize the purchase on my account. I also have 8 hard inquiries that Im unaware of as well and I have no knowledge of the information use to untainted credit use of my personal information. I am requesting that all 8 hard inquiries be removed from my credit report for all 3 credit bureaus XXXX XXXX and 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 2018-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have paid in full to tax lien in California. but they not release the lien from my credit report. I have filled dispute with transunion credit agency but still not remove lien 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 2018-06-15
Company: EQUIFAX, 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:
I have an account with a company which is XXXX XXXX and my wife have one well they have her account on my report. 
Creditor : XXXX XXXX Amount : XXXX account # XXXX I sent a dispute letting them know the XXXX XXXX XXXX  XXXX account XXXX is a fraudulent account in the amount of XXXX its been 2 months but haven't been taken off the report. The same company XXXX XXXX XXXX  XXXX has two accounts on there the other is XXXX in the amount of XXXX this has been embarrassing to say the least I pay my bills on time and are being penalize by this breach in security. 
Also there is unauthorized inquiries that is causing my score to suffer greatly. 
XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX , XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX All Banks XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15
Company: Southwest Credit Systems, L.P.
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 writing to request a correction of the following information that appears on my credit report [ XXXX, XXXX, XXXX ] Account Name : XXXX XXXX XXXX- XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX- XXXX XXXX XXXX Im the victim of identity theft and I dont recognize these accounts on my report. Please provide evidence the following account belongs on my report and that my rights have not been abrogated. In the event that no record exists, please delete this damaging account information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: HI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
I had a capital one credit card closed I tried to contact capital one to reopen but they want me to reapply which I know will hurt my score. This card has the second longest history of all my cards. I am XXXX and the card had a 7-year history.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I received a direct deposit to my checking account on XXXX for {$60000.00}. There was a 4 % charge upfront ( {$2400.00} ) and a 0 % promotional for 12 months. I was charged additional interest on XX/XX/XXXX and XX/XX/XXXX. When I called customer service, I was notified that I was subject to 16.49 % interest along with the 4 % upfront. 
I have transacted this direct deposit with Bank of America 10+ times since XXXX. I am certain that the promotional was offered on the website. I certainly would not sign up for 20.49 % all in interest. When I asked for some evidence, the customer service person said that everything happened on the website and that there was no evidence of the rate that was communicated to me. 

I paid off the credit card and closed the account XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-06
Company: FIRST NATIONAL BANK OF OMAHA
State: IA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XX/XX/2021 Re : XX/XX/XXXX FNB XXXX XXXX XXXX XXXX XXXX, NE XXXX Dear Credit Bureau, I recently received a copy of my XXXX  credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. 
I understand that you shouldnt be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from credit file because it is making it very difficult for me to acquire credit. I have sent this letter certified mail because I need your promo response to this issue. Please be so kind to forward documentation that you have had the unauthorized inquiry removed. 

Sincerely, XXXX XXXX SSN: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 2020-10-12
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:
I have reviewed my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft. The accounts that are on my account that are not mine. I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. It could also be possible you are mixing up these accounts with someone that has a similar name as me. Either waythese accounts are not mine, and I would like them immediately deleted. Once deleted, please inform all other credit reporting agencies. If somehow these accounts are verified, I would request you send me all documentation, including letting me know who provided any information to you, so that I can conduct an investigation, or otherwise pursue my legal remedies for reporting things on my credit that are not and never were mine.

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 2021-07-14
Company: BANK OF THE WEST
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Banking fees charged to my account excessively. The more funds added to my account the more fees popped up. Opened account XX/XX/XXXX. No additional fees up to Mid XXXX. 

XXXX deposited {$13000.00} fees assessed were {$240.00} XXXX {$28000.00} fees assessed {$70.00} XXXX {$14000.00} fees assessed {$1000.00} As of today XX/XX/XXXX ... .My account is $ XXXX I have had to take out 3 loans and I am still unable to keep a positive balance. I have made disputes and requested my account be reviewed and I have only received {$700.00} returned to my account. Deposits are being made but I can no longer keep up with my growing negative balance. Please help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I sent multiple dispute letters for couple of months and still haven't received a response from the credit bureaus regarding this account : XXXX XXXX Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
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: Account information incorrect

Complaint:
I don't have an account with this company XXXX  EDUCATION. My loans have been settled from XXXX and the only loan I have is a private with another l lender. 

This company XXXX XXXX has never been in contact with me via mail or phone. I've disputed several times and the credit agencies are not investing properly.

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 2021-07-14
Company: TD BANK US HOLDING COMPANY
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 have viewed my consumer credit report and notice some unathurized inquries that has been placed on my account on XXXX by XXXX XXXX XXXX XXXX Under 15 u.s. code 1681b-permissle purpose of a consumers report ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTIONS of the consumer to which it relates. I XXXX XXXX never gave XXXX, XXXX  AND XXXX_any written consent to report anything on my consumer report, NO consent is identity theft .a copy of the law is attached along with this dispute letter. and to add on the 3 major reporting bureaus are also at fault due to the fact that their are well aware of the following subchapter 15 u.s code 1681b ( a ) ( 2 ) ... I AM ASKING THE CREDIT REPORTING AGENCY TO PRODUCE A CONTRACT BETWEEN ME AND THE CREDIT REPORTING AGENCY LISTED IN THIS AFIDAVIT SHOWING THAT I GAVE YOU PERMISSION TO FURNISH THIS REPORT IN THE FIRST PLACE ... BY CHANCE THAT YOU DO HAVE THIS CONTRACT I WANT A SENIOR EXECUTIVE STATING THAT I GRANTED MY PERMISSION TO FURNISH THIS IN THE FIRST PLACE ... PLEASE DELTE THESE INQUIRES

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28
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: Account information incorrect

Complaint:
The finished my payments with XXXX XXXX XXXX in XX/XX/2018. They are FALSELY reporting to all major credit bureaus that I finished my payments with them in XX/XX/2018. 

I have called and emailed them over 10x and they keep saying " they are working on it ''. first called them in XX/XX/2018 and it is now XXXX. My credit score and report are negatively effected because of their negligence. They are a XXXX XXXX dollar company yet can't figure out to fix an error on a credit report. 

I need them to fix this ASAP and they refuse or act incompetent. 

It does make any sense why they can't simply fix what they are reporting and provide the accurate, correct 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 2018-06-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 information incorrect

Complaint:
My Bank of America credit card was use I try many times to file a dispute with my bank and my claim got denied. I have filed police report XXXX and I was not aware of the charges made on my visa credit card and I did not authorize the purchase on my account. I also have 8 hard inquiries that Im unaware of as well and I have no knowledge of the information use to untainted credit use of my personal information. I am requesting that all 8 hard inquiries be removed from my credit report for all 3 credit bureaus XXXX   XXXX  and 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 2018-06-15
Company: National Credit Systems,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 writing to request a correction of the following information that appears on my credit report [ XXXX, XXXX, XXXX  ] Account Name : NATIONAL CREDIT SYSTEM- XXXX XXXX XXXX XXXX   XXXX  NATIONAL CREDIT SYSTEM- XXXX XXXX XXXX Im the victim of identity theft and I dont recognize these accounts on my report. Please provide evidence the following account belongs on my report and that my rights have not been abrogated. In the event that no record exists, please delete this damaging account information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28
Company: The CMI Group, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have paid this debt through a closing attorney and the Credit Management LLC said they would send a letter via email stating the debt was paid in full and they did not send it to me nor XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief