BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-26
Company: DISCOVER BANK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I was a loyal customer to Discover credit card pay my payments on time and they closed my account and reported me to the credit bureau for no apparent reason they had me to fill out a 99 form to the IRS to verify who I was IRS verify who I was and it's still closed my account for no apparent reason they also reported me bad on my credit report I really need help and I really need something to be done about this

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I requested a credit line increase today XX/XX/2022 and when I received a denial letter Capital One used a a credit report and credit score that is more than 60 days old ( XX/XX/2022 ). This is a discriminatory act. You can not base a financial decision today on in accurate information. Over the course of 60 days ( 2 credit reporting cycles ) many things can occur. Therefore, it seems illogical that a decision today is based on stale-dated data. 

I called Capitalone to request some assistance in reviewing their credit policies, and they stated they can base their decision on old data and that there is no solution to this issue. They can make a credit decision today based on credit data from 6 months ago. I requested to raise a complaint and requested a ticket number for tracking purposes and they said that its all internal and they notate the account. I asked for the compliance or legal department to address my concern and was advised they dont have one, and that all matters could only be resolved by customer service. 

The REP ID : XXXX Date of call XX/XX/2022 Time of call XXXX EST I believe the actions taken by Capital One are discriminatory and are not in compliance with the Equal Credit Opportunity Act ( ECOA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: EQUIFAX, INC.
State: IL
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:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 43 days later I have not received a response yet. I feel like Im being being ignored and taken advantage of. After taking some time to do research on this matter, I concluded that a failure to investigate these items within 30-45 days gives a reason to immediately remove those items from my credit report. It has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation, due to the stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: Experian Information Solutions Inc.
State: IL
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXXXXXX 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 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 2020-09-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This is not a duplicate complaint, this is a entirely different complaint.PRA informed me on a previous complaint that I was property notified of this alleged debt.PRA provided document with the address:XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX.That is not my address and I have never lived at that address, my address is XXXX XXXX XXXX XXXX XXXX XXXX TX XXXXPRA continue to report this account to the credit reporting agencies.they are in violation of the early warning clause section 623 ( A ) ( 7 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not initiate these inquiries, and I strongly suspect them to be fraudulent. I am formally requesting that you undertake a thorough investigation and take necessary measures to remove them from my credit report. I have enclosed the required documents as evidence supporting my claim.

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 2018-08-09
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: Investigation took more than 30 days

Complaint:
This Complaint is against Equifax XXXX. XXXX XXXX XXXX, GA XXXX On XX/XX/2018 I have sent a dispute letter to Equifax certified via mail tracking # XXXX and letter was received by Equifax on XX/XX/2018. I waited 43 days for a completed investigation and response from Equifax and still did not receive anything in the mail from them. So on XX/XX/2018 I sent a 30-day non-response letter certified via mail tracking number # XXXX and was received by Equifax on XX/XX/2018 stating to Equifax to remove all negative accounts that I have disputed with them on XX/XX/2018 because Equifax failed to show proof of debt and failed to respond to my dispute with in 30 days by law. Equifax then sent me and updated credit report via mail on XX/XX/2018 credit report confirmation # XXXX and in that report they did not update and delete all accounts that I have disputed with them on XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting 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:
Requested companies how did get info. did not request not aware of inquiry.

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 2017-05-25
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: Account status incorrect

Complaint:
I have several collection accounts that have reported on my credit file that have been paid directly to the original creditor. The Credit reporting agency will not properly investigate and removed the item from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. These are the items that need attention to be deleted in my file : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX, XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXXXXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXXXXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: Experian Information Solutions Inc.
State: LA
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, Dept of EdXXXX Acct XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX Acct XXXX XXXX, US Dept of Education Acct XXXX XXXX, XXXX XXXX XXXX XXXX Acct XXXX XXXX, XXXX XXXX XXXX XXXX Acct XXXX XXXX, XXXX XXXX  XXXX Acct XXXX XXXX, XXXX Acct # XXXX, XXXX XXXX XXXX XXXXXXXX Acct XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX, XXXXXXXX XXXX  Acct # XXXX, XXXX XXXX XXXX XXXXXXXX Acct XXXX XXXXXXXX XXXX XXXX XXXX Acct XXXX XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX has violated my rights. 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 an account without my 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 2021-03-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This debt was cancelled by the XXXX XXXX  and shown as charged off on my credit report on the date of XX/XX/XXXX. The account was closed and has no payment history prior to XXXX. The last payment date is XX/XX/XXXX. This is inaccurate and they are using it as a means to continue having this debt on my report. This is recklessness and a violation of my rights according to FCRA. I am very upset with this false information that has led to a negative impact on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
Company: First Credit Services Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I reached out to FIRST CREDIT SERVICES when I found a collection being reported on my credit report. On XX/XX/XXXX I disputed the charge of {$110.00} as that was an account open by my ex-wife under my name and with my personal information without my consent. I told them my situation and even attempted to pay the collection if they removed the account from my report, to which they refused. Then I proceed and dispute the account with them and I never received any paperwork or information regarding the account. I called back in XX/XX/XXXX tired of seeing it in my credit report, they could not locate my account, even when they were reporting to the credit bureau. After 15 minutes of asking for information they found the account, and refused to take payment since I had disputed the account in the past. They have a policy that they don't take payments on disputed accounts. So I had to be recorded that I was not going to dispute with them the Payment and that upon payment I could not dispute said account. I agree that I would not dispute it with them but I would definitely do it with the credit agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Hey so its been past 30 days and i have not gotten accurate results about my auto loan dispute. The only response I've been getting is that its been verified. Well I want to know who verified it. By law in 30 days no result it needs to be remove

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
During Covid 19 Bank of America offered a Deferral program in which I took advantage of due to financially difficulty. I have to approval letters and dates the offer was valid. Our home was on the market to  be sold and we did sale in XX/XX/2020 and the program was through XX/XX/2020. The mortgage is paid in full and the amount paid was {$480000.00} with balance owed and all fees and interest due from the deferral period. We are in the process of closing on a new home and my credit rating
has dropped from XXXX to XXXX on XXXX  'XXXX  reporting system due to Bank of American reporting that I was 120 days late on my mortgage. I have tried calling the bank several times and end up transferred to different people, different divisions and being disconnected from calls.

I plan to go to a local branch tomorrow but once I pulled my report decided it may be best to also submit this information to the most accurate credit reporting agency out of the three. Thank you for your help in this matter. I'm concerned we will not be able to purchase in a timely manner and the closing will not happen for our family.

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 2019-01-24
Company: VALLEY NATIONAL BANCORP
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I received this XXXX tax form this week from valley national bank shows {$200.00} interest income. {$200.00} checking account signup bonus was added to my account on XX/XX/18, however, this {$200.00} was claw back on XX/XX/18. That means i received {$0.00} interest income from your bank on XX/XX/2018. It's not fair for me to pay income tax of this {$200.00}. I contacted the bank, but no one was seemed able to help me.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: Direct Recovery Services, LLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I received a call from someone claiming to be with Direct Recovery. They made it sound as if I was about to be served if I don't respond by XX/XX/2021 at XXXX. My problem is I don't know this company or what they are talking about. Plus they called a family member and left the same message, ( they gave my name ), on my family member 's voice mail. I believe they are not legally allowed to discuss any personal information with anyone but the person they are trying to contact. I am registered on the DO CALL LIST. I have not received any information from this company via the postal service. They are upsetting my family members when they call them and give out my personal information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: JPMORGAN CHASE & CO.
State: LA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
XXXX XXXX  XXXX  account ( checking and savings ) opened by our Mother at Chase Bank, with my sister and I designated as Joint Successor Trustees, in both the Trust documents and her will. The value of the cash assets, at the time of her death XX/XX/XXXX is in the neighborhood of some {$250000.00}. A couple of days before Mom 's death, I brought the Trust documents to my local Chase branch, and they were scanned into Chase 's system and uploaded to their Trust Department. The Trust Department said that Chase can not honor the Trust, and subsequently, Mom 's will with two Successor Trustees. The branch officer filed a complaint with Chase 's Escalated Complaint Department, who said that they can not override Chase policy, but that they could write one check to the Trust? How would that resolve this, when we don't have access to the Trust accounts? In the meantime, my sister found the Deceased Processing Department, which indicated that we should be able to sign signature cards to gain access to the accounts ; and I called Chase 's CEO, spoke to an assistant, who submitted an inquiry and gave me a case number. Trust paperwork, except the Chase Trust Certificate ( which was sprung on us today, and I have no idea what it is ) have been submitted numerous times, the Death Certificate submitted on XX/XX/XXXX. A Letter of Instruction was, today, overnighted to Chase Account XXXX in XXXX XXXX, instructing them to allow my sister and I to sign signature cards at our respective branches.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have become a victim of Identity Theft and have had several credit accounts and collections show up on my credit report over the past few months. With the recent data breaches I am certain my information was leaked from this and shared. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX has violated my rights. 

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 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 non-monetary relief
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
After taken a loan for a degree seeking at XXXX University I obtained severe high interest, negative credit reporting and debt increase as a result. Unfortunately, I have yet to make close to what I owe and unable to pay as Navient request or make what I borrow since graduating. I do hear that there is also a law suit with the school I attended XXXX University in regards.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I open account with Capital One I made a payment never was I told or on their website does it show that they're going to keep my money for 6 days I didn't receive an email stating they will be taking my money I didn't receive notice that when I paid my money they were going to keep it for 6 days 6 days is too much for me not to have {$2800.00} it shouldn't be but one or two business days along with the email stating me they were holding my funds

Company response to consumer: Closed with non-monetary relief