BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
MY COMPLAINT IS AGAINST CAPITALONE, XXXX XXXX XXXX XXXX XXXX,VA. XXXX XXXX   PHONE.   I PURCHASED VIA INTERNET FROM XXXX FLEA/TICK TREATMENTS FOR MY CATS-XXXX  AND XXXX, ON XX/XX/20 FOR $XXXX USING CAPITAL ONE'S CREDIT CARD ENDINGXXXX. I CALLED XXXX  TO DETERMINE DELIVERY TIME. LADY I SPOKE TO SAID BECAUSE OF COVID19 WILL TAKE A LITTLE LONGER. IT IS NOW XX/XX/2020. NO DELIVERY YET. PLACED 2ND CALLS ABOUT 12-15 DAYS LATER. NO LONGER ANSWER PHONE IN XXXX BUT THE XX/XX/XXXX.TOLD ME THEY COULD NOT HELP ME. 3RD CALL TO XX/XX/XXXXAGAIN SAME RESPONCE. STARTING AROUND XX/XX/XXXX THRU XX/XX/XXXX I HAVE CALLED CAPITAL ONE AT LEAST A DOZEN TIMES AND PROBABLY MORE TIMES. TRIED ALL THE NUMBERS I COULD FIND. ' IT IS MY BELIEF CAP1 IS USING COVID19 TO MAKE THEIR CUSTOMER SERVICE EXPERIENCE 100 TIMES WORSE THAN USUAL.!!' TO SAVE MONEY.  ONLY WANT TO DISPUTE THE CHARGE AND GET MY MONEY BACK FROM XXXX. THANK YOU XXXX XXXX   XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-14
Company: EQUIFAX, 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 am submitting this complaint for you to make an investigation of some accounts with inaccurate information and after checking your response I recognized that some accounts are still incorrect, with a confirmed status. Please help me correct the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2023-08-13
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I address the credit bureau as into regards of the removal of the inaccurate credit info being displayed on my credit reports and to no avail nothing was done. That's a issue, I address the company as well on XX/XX/XXXX ) 17 and they did reply to me on XX/XX/XXXX. I will be enclosing their response letter to me. Also this company filed for a XXXX XXXXXXXX bankruptcy on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
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 is missing that should be on the report

Complaint:
Hi I am a victim of Identity theft and when going over my credit reports from all 3 credit bureaus I dont see the complete account number listed,? There shoukd not be XXXX at the end. I need to see the complete acct number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Capital One has a long standing company policy of ignoring the bylaws of the Fair Credit Act. On XX/XX/2020 I called to dispute a {$530.00} charge from XXXX which was a duplicate billing by this firm backed up by an email I recieved from XXXX acknowledging a credit should had been processed. Once I got my statement from Capital One I saw the credit had not been issued by XXXX  so I called Capital One to dispute the charge. After getting their Customer Service Department to agree it was a worthy dispute they transferred me to their Dispute Department at Capital One. The Dispute person argued with me for over 20 minutes about not wanting to issue the Dispute. This is a long standing approach I have found Capital One 's dispute department does on a regular basis, ignoring the Fair Credit Act. If they don't want to issue the required Dispute on a person 's credit card they simply hang up on the consumer. I want to complain that I have seen this approach by Capital One concerning consumer 's that wish to file a credit card charge dispute possibly costing consumers millions of dollars in " bad credit card charges '' that Capital One does not allow one to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06
Company: EQUIFAX, INC.
State: MI
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:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15.usc 1681 section a : states I have a right to privacy.15.usc :1681 section 604a : section 2 : also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-08
Company: Comerica
State: NV
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
XXXX Direct Express has Violated the Consumer Protection Laws which it's Promises to Pledge and to Protect it's Customers!!! 
Direct Express provides poor online security in terms of Preventing Unauthorized Fraudulent Charges. For example, my XXXX Debit Card has been compromised multiple times. In XXXX XXXX XXXX, my card was compromised 25 times in a one month period for an amount of XXXX. XXXX has done a poor Job in Fund Replacement. Furthermore, there are tens of thousands of customers that have been compromised with identical situations that amounts in the Millions of Dollars ; which Direct Express ignores and looks the other way!! Many of XXXX  Debit Card Customers are SA, SSI, SSDI whom do not have or lack the ability to ascertain the help. Their are approximately 5M XXXX Customers ; which XXXX has only One ( 1 ) incoming line. The average wait time 90 min-2 Hours. XXXX does not provide a download dispute form. The XXXX Reps are mainly of XXXX XXXX XXXX XXXX XXXX XXXX the require command of the English Language. When asking XXXX how and why my card has been compromised... XXXX has No Comment!! This Unscrupulous Financial Institution has more Complaints regarding Unauthorized Fraudulent Charges placed on it's customers cards then Any Other Bank or Banks. Still further, XXXX lacks an email address for it's contact with the outside world!! One may as well go swimming in shark infested water  prior to having the ability to Contact XXXX through their one and only phone line.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-17
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
These are Fraud accounts and they dont belong to me

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16
Company: Experian Information Solutions Inc.
State: MI
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/XXXX, XX/XX/XXXX and XX/XX/XXXX I sent certified letters requesting the removal of a US Bankruptcy from my Credit Report. I am protected by the FCRA laws and guidelines which protects consumers from misinformation being used against me. The credit bureau is not in compliance. I have asked for them to send me a copy with my signature giving my permission to report this on my report, or documents from The US Bankruptcy Court. In reply they have sent me letters stating my account has been updated which there has not been any change whatsoever nor have I received any proof of documentation from anyone.

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 2022-10-04
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
UNDER 15 usc 1692j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. NOW IM CEASEING AND DESISTING The ALLEGED DEBT. UNDER FEDERAL LAW 15 USC 1692c.

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 2020-05-27
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 recently obtained my credit report. There are accounts listed that do not belong to me. Please investigate and remove this account. Please send an updated copy of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights.15 USC 1681 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose

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 2023-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Hi, I've been trying to access my online Transunion online credit report for several months now and I've been through with IT and their supervisors to no avail. I have to physically call Transunion and have a copy shipped to my temporary work address. I understand that I have the right to access, view and dispute my credit report if the services are available online. Please refer to images, I don't even have access to my old credit reports. I have no physical proof of what is being reported by Transunion for several months. The last hard copy I received on XXXX and this is not even reflected as an old report I can request/view via Transunion 's online portal. ( This is outlined on their website )

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 2020-03-05
Company: FACTUAL DATA CORP.
State: IN
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 contacted XXXX ( inquiry XX/XX/XXXX ), XXXX XXXX ( inquiries XX/XX/XXXX and XX/XX/XXXX ), and Factual Data ( inquiry XX/XX/XXXX ). I let each of these companies know that I did not recognize the inquiries that THEY placed on my credit report. I asked each company to provide me with a written consent from me indicating that I agreed to the credit inquiry. After several hours on the phone getting nowhere with each of these companies and getting the runaround, I decided to send a formal letter to them ( each letter is attached ). I have found that most of the companies that are reporting information out on my credit report are receiving their " inquiry '' from a 3rd party and are not the actual furnisher of the data. This fact makes it even more imperative to see the written approval with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: Bread Financial Holdings, Inc.
State: WI
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:
The account with COMENITYBANK/XXXX  account number beginning in # XXXX with a balance of {$8400.00} is currently showing up on my XXXX  Credit. I have notified both parties COMENITYBANK/XXXX as wells as XXXX  and explain to them that i have no association with this account. When i spoke with XXXX  i was told that the account is connected to a name and address that i have no association with. 

My Correct name and address is listed below. : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX This inaccurate account is hindering me from employment as well as housing so I am requesting that Comenity Bank remove this account from my experian credit report being that i have no association with it. I am also requesting that comenity bank send me documentation so that i can forward to my attorney just incase i would have to escalate this serious matter. 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: Experian Information Solutions Inc.
State: MD
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 was looking over my credit report and noticed some information that looked kind of weird. Please investigate this and remove all incorrect and unverifiable information and send me an updated copy of my report please. Thank you. I'm trying to get a house and I can't do it with this crazy stuff all over my credit report. LOL Thank you for all of your hard work and dedication. I appreciate you so much.

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 2020-05-27
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:
REMOVE ALL XXXX  LOANS XX/XX/2017 - Formerly part of XXXX XXXX , XXXX, XXXX  is the largest student loan servicer ... Today 's lawsuit alleges that XXXX has been in violation of the ... 
CFPB Sues Nation 's Largest Student Loan Company XXXX  for Failing Borrowers at Every Stage of Repayment XXXX, Formerly Part of XXXX XXXX, Illegally Cheated Borrowers Out of Repayment Rights Through Shortcuts and Deception

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 2023-01-19
Company: EQUIFAX, INC.
State: LA
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:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate XXXX payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section XXXX ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and XXXX have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
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:
As required by FACTA and in support of my request, I am including a copy of my police report And police report filed with a law enforcement agency. I also hereby request, in accordance with the provisions of FACTA, that you promptly notify the company or companies providing the false and negative information that the information provided by them is the result of an identity theft, an identity theft report has been filed, and an information block has been requested. Thank you in advance for your assistance in this matter. Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: NAVY FEDERAL CREDIT UNION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
on XX/XX/2021 I made a ATM Deposit at the NAVY FEDERAL CREDIT UNION {$440.00} into my checking account ... ..NAVY FEDERAL CREDIT UNION STOLE my cash deposit and placed it on a credit card DURING THIS PANDEMIC!! I do not have money at the moment to pay for that card ... I NEED MY MONEY TO LIVE during these hard economic times .... I feel it was disgraceful to take money from anyone during these rough times..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have advised Equifax several times of XXXX XXXX XXXX inaccurate reporting and they have done nothing about it but continue to report inaccurate and missing information. Credit Limit is missing XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13
Company: CITIBANK, N.A.
State: MA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I am a Citigold Account. I got a letter from Citi on XX/XX/2020 said that my accounts is closing thirty to sixty business days, Citibank will issue you an official check for that balance to the address on file and not giving me any reason. From that day, both of my accounts are blocked and I can not withdraw, transfer or make payment from my accounts anymore. 

I called Citibank customer support many times and visited citi branch and still not get my money back. 

Then after almost 4 months, on XX/XX/2020, I checked my accounts and saw Citibank withdrawal {$130000.00} from my account ending XXXX and {$1800.00} from my account ending XXXX. Total of withdrawal is {$140000.00} ( Image proof of withdrawal I took the screenshot from my account on Citi website 1XXXX ) On XX/XX/2020, I got a check from Citibank by mail only {$120000.00}. Not total of my savings balance of {$140000.00}. 

I attached a lot of proofs showing my accounts balance : My daily alerts summary by email ( daily-summary-email.XX/XX/XXXX) My daily alert summary by sms text message ( daily-summary-text.XXXX XXXX My XX/XX/2020 statement XXXX XXXXStatements.pdf ) And other proofs as well. 

Please review my accounts please?

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 2018-04-16
Company: Flatonia Investments, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Regarding the late reporting of my mortgage account with Envoy, I am disputing this recorddue to the fact that this was in fact paid. This should not report on my credit report as a 30delinquent account for this reason. The reason this is reporting is due to the fact that mymortgage was sold From Envoy to XXXX XXXX, and during this transition period, it appearsthis got mixed up. I received confirmation that my payment was made and had beenreceived from Envoy shortly after my payment was made. I later received information statingthat my payment was not received and that I would have to wait until the transfer of the loanwas processed before I could even make the payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
REMOVE ALL XXXX  LOANS XX/XX/2017 - Formerly part of XXXX XXXX , XXXX, XXXX  is the largest student loan servicer ... Today 's lawsuit alleges that XXXX has been in violation of the ... 
CFPB Sues Nation 's Largest Student Loan Company XXXX  for Failing Borrowers at Every Stage of Repayment XXXX, Formerly Part of XXXX XXXX, Illegally Cheated Borrowers Out of Repayment Rights Through Shortcuts and Deception

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