BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 had someone access my credit profile for accounts that I do not recognize. I have had my wallet stolen and my credit, I.D . was used not sure how many accounts were opened. My current address is XXXX XXXX XXXX XXXX, OH XXXX. My name is not XXXX XXXX or XXXX XXXX please delete them from my credit file. 
XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX , I do not own these phone numbers please delete : ( 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 explanation
Consumer complaint received 2018-07-12
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Notified on XX/XX/2018 by CapitalOne Master Card of charges on our card ending in XXXX at XXXXXXXX XXXX. On Sunday morning at about XXXX I called their Fraud Dept.. Three charges were made that night as follows : XXXX XXXX XXXX XXXX XXXX for {$3000.00}, XXXX for {$15.00} and then again for {$17.00}. CapitalOne cancelled that card and removed these charges from this card and took action to issue a new card. Today CapitalOne notified us of a new charge to XXXX XXXX for {$380.00}. I called CapitalOne as this charge showed against the new card that we have not received as yet. XXXX a Fraud Account Mgr. indicated that this charge was allowed against the cancelled card because a number of attempts was made to process it. She indicate that this happens at Visa and MasterCard. It appears that there is a flaw in these credit card  systems that allows a fraudulent charge to be processed against a protected cancelled card. It appears that there is a programming issue in these credit card companies that is putting consumers at risk.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have an account with Capital One Their was a late reporting on this account in XX/XX/2014 I spoke with to a supervisor her name was XXXX XXXX was her badge number. She gave it as a reference and told me the late on the account would be removed, I recently pulled a credit report the late is still reporting on my account. I need this late removed as the supervisor promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I applied for a Citi Priority account on XX/XX/18. I received confirmation of my account number XXXX the same day. I received a letter dated XX/XX/18 that my account is open. I received a second letter dated XX/XX/18 that my account is closed because they couldn't verify my information. 

How does this make sense? Did Citibank approve my account without verifying my information? Or did they approve my account then changed their minds. This is the second time I've tried opening an account. The first was denied proactively for the same reason. Before, they didn't give me the opportunity to verify my information. Now they seem to be messing with me again. 

I have already received my welcome package of checks, ATM card, and PIN number.

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 2020-05-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/20 a request for validation, not verification was sent. On XX/XX/20 I received a letter telling me they received my validation letter but failed to give me information I requested to validate the debt. There letter to me stated I owe XXXX. Lastly, this debt was sold by the original creditor to a collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24
Company: JPMORGAN CHASE & CO.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I have an account on my credit report from Chase auto-this car was stole off the dealership while I was signed my contract. My old business partner stole this vehicle, the car salesmen gave him the keys to test drive the car without the salesperson in it. I was told that the loan would not fund and that I wasn't responsible for the car. Well, the dealership did fund the loan with Chase auto and I tried everything to get this loan undone. I filed a police report three years ago, tried to put the car  through my car insurance, and I tried to help chase get the car back-but I couldn't get anything done. I had great credit and didn't want to have this account report negatively, but I didn't have a choice. I filed all of the fraud paperwork that chase told me to do and submitted it. I thought it was done, because I didn't hear anything from chase. I started the process to get a home and this account is showing on my credit. I once again filed a fraud aff, through the FTC fraud website, I was very specific in my filing. Chase auto recovery department is now calling me to collect this debt-and Chase credit department respond to XXXX stating that the debt is valid ed. I can't file a police report, because the car is not in my name, and I can't put it through my car insurance because the car was also not in my name. So, now I'm fighting with the credit reporting company, and now getting debt calls from Chase demanding to know where the car is and when am I going to pay the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
DURING THIS COVID-19 PANDEMIC I WAS ENCOURAGED TO LEARN ABOUT PROTECTING MY CREDIT FILE AND PERSONAL IDENTITY. I WAS TAUGHT TO REVIEW AND INTERPRET MY CREDIT REPORT AND THE RELATED ACCOUNTS. AT THIS POINT I NOTICED A NUMBER OF MISINFORMATION AND ASSOCIATED ACCOUNTS THAT WERE FRADULENT. SINCE THEN I HAVE MADE SEVERAL ATTEMPTS TO REACH OUT TO THE INDIVIDUAL DATA FURNISHERS, CREADITORS AND BUREAUS TO FIX THESE ISSUES BUT TO NO AVAIL WITH EXPERIAN AND XX/XX/XXXX. XX/XX/XXXXWAS ABLE TO HELP ME BY REMOVING AND DELETING THESE ERRONEOUS ACCOUNTS AND INFORMATION. THIS INFORMATION HAS COME UP BECAUSE I AM IN JEOPARDY OF BECOMING HOMELESS DUETO THE PANDEMIC AND IN THE PROCESS OF APPLYING FOR HOUSING MY CREDIT FILE INDICATED THIS ERRONEOUS INFORMATION TO MY SURPRISE AND THIS PROHIBITING ME FROM GETTING ME AND MY FAMILY HOUSED.

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 2020-05-18
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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my 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 2021-09-02
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I talked to the company and explained to them I was going through a hardship at the time and thats why I made a late payment one time only and it was XX/XX/2018 on my Discount Tire card by Synchrony Bank. I have never been late before. And they said they will remove the late payment since it was only one time. And I see the late payment still on my credit

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 2020-07-13
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 belongs to someone else

Complaint:
Fraudulent accounts have been added to my credit report causing me grade harm, and compromising my ability to obtain credit, my identity was used to establish these accounts, I Have learn that this report had to be completed as one of the steps to report this incident.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10
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: Credit inquiries on your report that you don't recognize

Complaint:
I have called several time to ask to have the inquiries removed and was told that they cant do that and that a creditor can pull my credit without my consent. I know that is not true and want the inquiries removed that I did not authorize.
Transunion advised that there were not inquiries, I attached the report showing them listed.

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 2018-03-30
Company: DISCOVER BANK
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
On XX/XX/XXXX, I found myself unemployed. By the middle of the month, XX/XX/XXXX, I realized that I ( probably ) wouldn't have a job on XX/XX/XXXX, so I called all of my student loan holders and request that my loans be put into forbearance until XX/XX/XXXX. 
XXXX XXXX and XXXX XXXX were able to process this request and I was approved on the spot, as my payment history is flawless. 

Flawless, too, is my record with XXXX XXXX XXXX. HOWEVER, they were unable to process my request due to " an issue in the system, '' and they promised to call me back the next day. They did not, so I called on Friday the XX/XX/XXXXand was told 1 ) that they would take me off of auto-pay so to avoid overdraft. 2 ) they are still unable to put my loan into forbearance due to the same system error. 3 ) they recommended that I simply NOT MAKE A LOAN PAYMENT instead of entering forbearance. 4 ) they have submitted my application and would call me when I was approved. 

On point # 1 - I was lied to. When I logged in, my account was still set to auto-pay in the first week of XX/XX/XXXX. 
On point # 3 - My concerns about what this would do to my credit rating were dismissed outright. 
On point # 4 - Please see below. I was lied to again. 

My next level of communication was through the website mailbox system. The response I received was that I need to call in to get my loan status changed. 

So I called today, XX/XX/XXXX and was told : 1 ) No one had *started* a forbearance request. 2 ) I should simply not pay my student loan for 60 days. 3 ) The forbearance request will be started and my auto-pay will be cancelled today. 4 ) Putting my loan into forbearance will accumulate so much interest, and increase my monthly payment amount that I'm better off just making payments when I can. 

And then I was " transferred '' aka hung up on ... so I doubt that my friends at XXXX XXXX XXXX processed anything on my behalf.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-05
Company: Continental Credit Control
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This is for an XXXX I did that was supposed to be covered by my insurance but the employee didn't take my information down correctly. Now I'm left with a huge bill that should of been covered by my insurance. I've already paid off the true amount I owe but they still won't take me off their computers as paid.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . XXXX, TX. XXXX XXXX : XXXX XXXX Dear XXXX XXXX : This is my final attempt to contact you regarding my request for your company XXXX XXXX to remove the XXXX air conditioning unit and any and all other components installed in my home on XX/XX/XXXX-XXXX, 2016. I have tried to resolve this matter with you ( XXXX XXXX ) and XXXX XXXX XXXX since XXXX XXXX, 2016.  Ive contacted XXXX XXXX XXXX Credit Card to dispute the charges of {$13000.00} and to conduct an investigation in to the manner in which this account was opened. I have made several attempts to resolve this mater amicably. XXXX XXXX has not made any attempts to contact me regarding removal of this unit. Your company called and offered me {$500.00} weeks ago and last week XXXX called asking for my email address to send me some sort of warranty information. Each time I requested the removal of the unit and each time I was told that they would have you call me back. To date I 've yet to hear from you. Therefore youve left me with only two ( 2 ) options Ive listed below 1. I could have a XXXX Authorized Specialist remove the above referenced unit and deliver it to your office at your expense. 2. I could have a XXXX Authorized Specialist disassemble the above referenced unit and store it in my garageand charge XXXX XXXX a storage fee. 3. I want you to realize that you have removed to working units from my property when I ask you to leave them. You have lied to me, stating the EPA requires you to remove units or be fined XXXX dollars. I have verified this EPA. and it was found that you lied. Please contact me within five ( 5 ) days from receipt of this letter ( no later than XX/XX/2016 ), so that we can settle this matter. If no response by XXXX XXXX, XXXX, I have no choice but to pursue the above referenced options. Your prompt attention regarding this matter is greatly appreciated. You XXXX only contact me via email at XXXXXXXXXXXX. Regards, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-09
Company: Assured Financial Partners
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
First equity collocation for a amount i paid today XX/XX/2019 the lady name was XXXX at XXXX XXXX XXXX XXXX extension XXXX she said I owed XXXX XXXX XXXX XXXX she threatened to put me in XXXX and said if i did not pay i would have to pay lawyer fees of XXXX so I paid it and she said she would email me a receipt never got it

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-10
Company: Santander Consumer USA 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 have recently obtained a copy of my XXXX credit report. it showed a credit inquiry by your company that I do not recall authorizing. it is my understanding that you are not allowed to put an inquiry on my file unless I have given you express authorization to do so. Please have this inquiry removed from my credit report because it is affecting my loan applications and making it very difficult for me to acquire credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-03
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: Old information reappears or never goes away

Complaint:
I have tried on multiple occasions to try and get information correct on my credit report. XXXX  continous to report and address XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX XX/XX/XXXX I have never lived at this address or in that town and the apartment has sent this to collection with XXXX XXXX XXXX to collect on a debt that is not mine. I also believe that this collection is over the seven year mark too. I have also written to XXXX XXXX and the two Bureaus XXXX   and Equifax concerning the balance that continues to be reporting. This was a voluntary repossession in XXXX. The car was sold and the new balance was never reported and the bureaus refuse to investigate the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have filed XXXX XXXX for the past 6 years with the IRS. I dont use an EIN as I am an XXXX XXXX and get paid. Cash or XXXX   deposits. When COVID hit, my business started going under. I utlitized the SBA grant and received a grant deposit of {$1000.00}. Not the loan. I was told my account was high risk and my account was frozen and is under investigation. I went to the branch days before and they agreed to remove the funds until they completed the investigation and allow me full access to my account. They then froze my account Sunday after removing the SBA funds and lifting my account. I have proof of my tax filing and the SBA loan was deposited into my account with my legal name on it. I filed the application with my legal name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-29
Company: Experian Information Solutions Inc.
State: MA
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 disputed the account because I noticed it was on my credit report and I did not authorize this account. To dispute this account, I mailed a dispute letter, a copy of my FTC report for identity theft, a copy of my police report for fraud/impersonation/identity theft, 3 forms of personal identification ( copies of my driver 's license, my social security card, and one of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( s ) on which the account was listed, in an envelope sent to the creditor of the account and I also put copies of the same documents in envelopes sent to all three credit bureaus ( Experian, XXXX, and XXXX XXXX via USPS certified mail with return receipt, this was more than 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their 30-day allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the account, and thus the account must be immediately deemed invalid, fraudulent, and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this account on my credit report because the account was not validated within the required 30-day timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this account from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases. 

The account was already charged off as well so the creditor does not even have the right to report information about this account since they charged off the account to a collections company. 

The account was also deleted from my XXXX report as well so in order to correct the inconsistencies between the Experian, XXXX, and XXXX credit reports, the account needs to be deleted from the Experian and XXXX credit report. 

The information for this account listed on my credit report is : XXXX XXXX, BALANCE {$42.00}, OPENED XX/XX/2014, ACCOUNT 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