BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 was shocked when I reviewed my credit report and found late payment on XXXX, XXXX & XXXX of 2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: CITIBANK, N.A.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
There was an unauthorized wire transfer from my account in the amount of $ XXXXI received {$9000.00} back but the other amount was denied.

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 2021-01-29
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
America first credit union is automatically switching all checking accounts to a paid premium amount. We have be to call in to opt out of the automatic $ XXXX monthly charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29
Company: Experian Information Solutions 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:
Experian is not reporting my Mastercard ( revolving account ) on my credit profile history. I have 2 credit card accounts through XXXX XXXX. 

1. XXXX  XXXX Visa ending in XXXX XXXX. XXXX  XXXX Mastercard ending in XXXX XXXX XXXX communicated to all 3 credit bureaus including Experian to report these accounts onto my credit profile history. 

I've attached this letter that XXXX XXXX wrote me notifying me of this. And yet to-date, Experian still is not reporting my Mastercard on my credit profile history these revolving accounts -- -attached is a screenshot of my Experian.com account showing only 1 revolving account ( Visa ) being reported -- should be 2 revolving accounts XXXX XXXX Visa + XXXX XXXX Mastercard

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 2019-10-29
Company: LAKEVIEW LOAN SERVICING, LLC
State: NC
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:
I have two mortgages with lake view/XXXX XXXX they have misapplied payments to one of the loans causing the other loan to appear as delinquent. After several phone calls, and submitting a dispute they still reported negative information to the credit bureau. This has caused me to be declined credit, and a visit from someone to my home stating foreclosure is pending.

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 2023-02-24
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: Information belongs to someone else

Complaint:
I have an items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I " I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX  XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Balance : {$720.00} ; XXXX XXXXXXXX Balance XXXX {$200.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; 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 2019-10-29
Company: FIRST NATIONAL BANK OF OMAHA
State: DC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have an account with the creditor. I was NEVER contacted to say my account was closed! They just closed it without my knowledge. I called to make a payment and then I was told it was closed. So I didn't pay anything. I had XXXX XXXX!! I called to tell them. How could i pay ANYTHING when im having XXXX. They could have been understanding!! What if this happened to them. Always try put yourself in the other person 's shoes to see how they feel. I have credit cards and NO ONE just closed my acct without me knowing! This was very unprofessional and not fair!! I need my acct open! I will pay it!! It just needs to be opened because I didnt not request for it to be closed! I had XXXX! Be fair to me who had to undergo XXXX! I'm not thinking about a bill on the XXXX XXXX! You have to understand that

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 2019-10-29
Company: Experian Information Solutions Inc.
State: NY
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: Other problem getting your report or credit score

Complaint:
I am unable to unlock my credit reports on all three credit reporting agencies. I have supplied them with letters requesting to unlock my reports. 
No action was taken. No response. My credit reports are still blocked. 
I started this process one year ago, and in some cases three times to the same agency.

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 2019-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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: Other problem getting your report or credit score

Complaint:
I am unable to unlock my credit reports on all three credit reporting agencies. I have supplied them with letters requesting to unlock my reports. 
No action was taken. No response. My credit reports are still blocked. 
I started this process one year ago, and in some cases three times to the same agency.

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 2023-05-30
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCT Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a accounts without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of these items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) 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 2021-11-02
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:
Inaccurate information has been reporting to my credit report. I recently pulled my reports and noticed that the account of XXXX ACCT # XXXX had been reporting incorrect information to my credit file. This means that the account has not been correctly verified which should cause in deletion. I have attached a copy of the file and it shows the inaccuracies to the different bureaus reported. Date opened is inaccurate between the bureause, last reported, date last active, date of last payment, as well as payment history. The account shows reported as CO in XXXX to experian ok for six straight months to Equifax after being reported as charged off to XXXX. It also shows 30 days late to to XXXX for free months of XXXX and XXXX and ok to Equifax for those same months. It reported as 30 days late, 60 days late and 90 days and 120 days late for the months of XXXX through XXXX to my experian account but reported as ok for the same months to my Equifax report. The innacuracy between the bureaus reporting should cause in a deletion of the account from my file

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I've had a credit card with wells fargo bank for the last 7 years in the amount of {$1200.00}. I used the card in the beginning for college. I maxed out the amount of the {$1200.00}. I have been paying the required minimum of {$90.00} a month. One year I did ask the bank for a reduced amount to lower my payment. They closed the credit card line and lowered my payment but did not lower the amount or the interest rate. I now currently owe over {$3400.00}. In the last 7 years I have paid roughly {$7000.00} and the bank is still wanting me to pay off the {$3400.00} for a {$1200.00} credit card loan.

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 2019-08-16
Company: DYNAMIC RECOVERY SERVICES, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have asked about the validity of this claim several times with all three credit reporting agencies. No one can validate it but refuse to remove it. From what I understand, it is from a XXXX utility company. No one can furnish me with any other information. This is not my bill. I want this removed from all three credit reporting agencies. Thank you for your assistance!

Company response to consumer: Untimely response
Consumer complaint received 2022-09-27
Company: Experian Information Solutions 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 # XXXXXXXX XXXX XXXX XXXX has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to be removed. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my hand written instructions.

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 2020-02-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have in my possession evidences and proof that show actions of common law fraud, unjust enrichment, and restitution ; Fair Debt Collection Practices Act ( FDCPA ) violations ; Fair Credit Reporting Act ( FCRA ) violations ; counts of Racketeer Influenced and Corrupt Organizations Act ( RICO ) violations, GRAMMLEACHBLILEY ACT ( GLBA ) violations and CCPA ( California Consumer Privacy Act ) by all parties involved listed above. 

XX/XX/2019, I received a copy of my full credit report via XXXX and noticed immediately, major errors with four accounts associated with the name or variations of the name XXXX XXXX, XXXX  and 12 Capital One. I wrote letters via Certified mail requesting validation of the four separate entities that were listed as they were respectfully listed. Please be advised that the information reported about these three accounts was purposely entered to be misleading, incorrect and incomplete. 

Capital Ones website states this account was never assigned to XXXX XXXX XXXX, XXXX. As stated on Capital One records for the account ending in XXXX, it is stated Your account has been charged off and has been acquired by another party. Blacks Law Dictionary Second Edition defines the term, Acquire as, The action of buying or gaining the possession of property. That party is listed XXXX XXXX XXXX XXXX, - XXXX. 

XXXX XXXX XXXX XXXX failed in their legal obligated duty as debt buyers to notify me when they purchased my debt from Capital One ( along with my nonpublic Personal Information ). This notice would have allowed me a window to dispute any duplicate accounts or validity. Subsequently, by not being disputed, they then became account stated. Meaning they created a new contract unbeknownst to me with XXXX XXXX XXXX XXXX for every tradeline listed on my credit report. Fortunately, I did dispute these accounts during that time with XXXX XXXX. XXXX XXXX had the tradeline Capital One Bank USA removed from XXXX  and XXXX  but remained on XXXX. This is the reason why when I received my credit report on XX/XX/2019, the account listed as, 12 CAPITAL ONE N.A, the comment says disputed my customer. The name was just changed. 

XXXX XXXX XXXX XXXX, currently has 86 companies and 74 people registered at the address of XXXX XXXX XXXX XXXX, SC XXXX, all of who seem to operate and function in different roles in each different company, all who of which are to be included but not limited to being included in this notice of intent to sue .The XXXX XXXX owns XXXX XXXX XXXX , where XXXX XXXX is CEO/Owner/Founder, XXXX XXXX XXXX plus others,. This confusing chain of ownership is proof beyond unreasonable doubt that alter egos of these companies exist and the principle business of the affiliates is debt collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29
Company: GOLDMAN SACHS BANK USA
State: FL
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: Card was charged for something you did not purchase with the card

Complaint:
I was alerted to possible fraud on my account by Goldman Sachs ( XXXX XXXX ). I immediately checked the transaction. The bank had flagged the two subsequent ones and declined them but the first one went through. I called them and notified it was fraud. My account number was changed and then days later I saw a temporary credit for the amount. It was {$2500.00}. A few days later I receive two emails. The first one saying that they ruled in favor of the merchant ( the merchant is in the XXXX, I live in Florida ) and that I would be responsible for the charges. The second email stated my account was closed! The entire account was closed. I called them to ask what was going on. They said because my account was closed they could not help me. They were extremely unhelpful. I explained that this was clearly fraud, the merchant had tried to charge my card after the initial charge and it was declined, and then another fraudulent charge was also declined. I had immediately contacted them. They could not provide me with any documentation why they ruled in favor of the merchant and why they closed my account. I am enclosing copies of everything I have.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29
Company: Debt Recovery Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have disputed this debt with the collection agency and submitted to them documents they have asked me a month ago, they said this is under investigation and they are sending it out to their partners that was a month ago, this week Saturday on the XXXX XXXX my credit fell behind 80 points due to a remark from this collection agency a negative remark that I am late 5 months, I called and asked to speak with a manager and he confirmed this is still under investigation but yet added a late remark on the account he told me he will remove this remark but he didnt he said this is a recorded phone like he is the manager name XXXX and assumed me this remark will be removed as its still under Investigation yet he still didnt- why would they add a remark when this account is under investigation yet why would the manager confirm he will remove this remark and NOT remove it? I have done everything they have asked me to do, to send detailed insurance information to send insurance on the day of service they asked me yet I havent heard anything back from them but they add a remark?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Several fraudulent collections are reported on my credit report. I discovered it, and I contacted and sent an FTC identity theft report to the collection agencies and the credit bureaus to remove the derogatory remarks from my credit report. I have been a victim of identity theft and have informed all the credit bureaus, collections agencies, and credit card companies that these accounts are derogatory and do not belong to me. Someone used my personal information to open fraudulent charges under my name without my permission, consent, and knowledge. I have requested that the collection agencies, credit bureaus, and credit card companies send me debt validation documents regarding these fraudulent accounts, but they have not responded. I want these derogatory, fraudulent accounts removed from my credit bureau and never reported on my records. The collection companies are XXXX XXXX XXXX, credit card company XXXX XXXX, Jefferson Capital Syst, and the credit card company is XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: SECURITY FINANCE CORP
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
I had just gotten out of the hospital and recieved a phone call from sunbelt credit who go through security finance and when I explained to them that I was able to make a payment because I had just gotten out of the hospital the woman on the phone XXXX who goes by XXXX started to cuss and yell at me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
The credit bureaus don't answer the phone and the on line dispute center has not worked in over a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
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: Account information incorrect

Complaint:
On XX/XX/2021, my home burnt down in the XXXX XXXX I contacted my mortgage company and filed a forbearance on my loan due to this. My forbearance was approved as of XX/XX/2021. A few weeks later, I got a notice stating my forbearance was canceled. I called back and told them of this error, they then stated they re opened my forbearance and it was all in effect again. I continued to get past due notices in the mail from them so I again called back in XXXX of 2021 to confirm my loan was still in forbearance and I was told it was. I called again on XX/XX/2021 to verify my account standing for a new mortgage I am trying to obtain. During this call I was told I was removed from forbearance again and my account is showing past due. They re submitted my forbearance to a manager to get it reinstated, however it still reported to my credit companies I was past due on my mortgage. I was in contract for another home already and this error from them ruined my family from being able to buy a new home and has made us remain homeless until this is corrected.

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