BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XXXX/2015, 60 days XXXX/2015, 90 days XXXX/2015 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a credit hit from Convergent Outsourcing inc. on XX/XX/XXXX thats was was unaware of. Convergent is a debt collection agency for XXXX. Ive never had a bill with XXXX or been associated with the address that is attached to the account. The account was opened on XX/XX/XXXX and closed on XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX. The amount they are collecting is {$550.00}. That amount will not be paid from me because I have never in my 24 years of life lived or known of a resident from XXXX XXXX, Louisiana and now Im receiving negative credit hits.

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 2019-07-29
Company: Experian Information Solutions Inc.
State: NV
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 challenge the accuracy and compliance of this listing. I requested that the reporting company provide me with any relevant information and supporting documentation on the following accounts XXXX XXXX XXXX XXXX, XXXX   XXXX but none of them responded in detail, all they send me a is a computer generated paper saying the accounts are correctly verified.. I have provided explicit documentation that proves the inaccuracy, yet bureaus continue to report incorrect information. CFPB remove this error and fix my acconts

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 2021-04-12
Company: Navient Solutions, LLC.
State: AP
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Apply for Military Service Deferment since I am currently and have been serving in XXXX since 2016, I was denied The Military Service Deferment My orders dont say Im serving it on a contingency Assignment! 
Since then Navient say my loans are in default and I join the XXXX after Accruing this debt! 
Since, they denied me they have not responded back to my emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25
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:
THEY HAS STILL FAILED TO PROVIDE PROOF OF ACCOUNT OWNERSHIP WE ARE FILLING A LAWSUIT AGAINST THEM FOR FAILING TO REMOVE THIS ACCOUNT. 



XXXX XXXX XXXX XXXX Account Number XXXX Account Type Collection Terms Date Opened XX/XX/XXXX Account Status Open Payment Status Unknown Payment Status Details - Status Updated XX/XX/XXXX Balance {$1100.00} Balance Updated - Credit Limit - Past Due Amount - High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX Ownership Individual account Original Creditor XXXX XXXX XXXX XXXX XXXX Company Sold-to - Original Amount {$950.00} Comments -

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 2023-09-04
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I disputed an account with XXXXXXXX XXXX with the credit bureau. This account is not validated. The credit bureau is still reporting the account on my credit report although the company did not provide any documentation to validate the account. I has been 44 days since my dispute, which is past the required 30 days to respond.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
On XX/XX/23 I received simultaneous emails of credit card accounts being opened under my personal information with XXXXXXXX XXXX  and Capital One. I do not have any accounts with these companies. Called both banks to submit a fraud alert and cancelled both accounts. Also called XXXX and XXXX to put a freeze on my credit. Tried contacting XXXX and creating an account online but automation would not allow me to speak to a specialist. It directed me to the website which caused an error when I went to create an account and put a freeze on my credit. Was not able to freeze credit on their website. Tried calling several times. Took a screenshot for reference.

Additionally, credit report is showing credit card transactions already one day later.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-20
Company: FEDChex Recovery, LLC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Yesterday, XX/XX/2023 I received a email from a debt collection agency about a book that was apparently owed to a local college bookstore by the name of XXXX XXXX XXXX XXXX XXXX or XXXX XXXX XXXX XXXX XXXX  The email had my old address which is a HUGE PRIVACY/SECURITY CONCERN and it had a debt amount of XXXX dollars which I DO NOT owe. I have tried to return the book 2 years ago back when the book was due but they told me since it was old and they no longer used that version that I could keep it or go sell it. I have tried to return the book twice since then 2 YEARS AGO. It is insane that 2 years later a debt collector wants to come after me. i want the debt collector to know that I WILL FIGHT THIS AND WILL NOT LET THEM PUT THIS ON MY CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX XXXX XXXX. The Items I have identified and  highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2021-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
A couples of weeks ago. I called Transuion XXXX Asking about my credit score and why it is so much lower than XXXX. I was told by the person on the phone that my last 4 digits is being used by someone else. Supposedly they fixed the problem and said I shouldnt have any more issues. Recently I tried to make a pay pal account and was denied and the letter I was sent stated Risk of invalid Identity.I have never had this happen before. I obtained Transunion number from the internet but feel that was a fraudulent company I was speaking with.

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 2021-10-07
Company: ALLY FINANCIAL INC.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with a trade-in

Complaint:
I purchased my XXXX XXXX XXXX XXXX in XX/XX/2018. I co-signed the vehicle for my husband, My husband got laid off right before the pandemic and we decided to possibly trade in the truck because we could not afford my car payment and the truck car payment. We took the truck to several dealerships for trade in and we were told that the XXXX XXXX was a XXXX  Import and no car dealership would buy the truck from us because the truck holds no warranty value in the U.S. The dealership ( XXXX XXXX ) located at XXXX XXXX XXXX, XXXX, IL never told me that I was purchasing a XXXX Import and no dealership will accept a XXXX  Import. I feel hoodwinked. When I contacted XXXX XXXX that just blew me off and told me it shouldn't be a problem. Now I'm constantly late on my payments, I have no other choice but to pay when I can or eventually will have to give the truck back to Ally that finances my car. I asked for my disclosure from XXXX XXXX and Ally and still no response. I would like to get out of this deal because I can't trade in the vehicle, I'm upside down in the loan, I constantly keep getting negative marks on my credit report because I'm late paying. Dealerships should inform customers when they purchase XXXX Import vehicles and educate the consumer on the outcomes/reprecussions when they get a car that was not purchased in the U.S.A

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 2023-10-12
Company: Chime Financial Inc
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I went to withdraw money from my checking account using an ATM machine at XXXX. The machine printed a receipt stating " Unable to Process Transaction At This Time '' and did not receive any cash. My request amount was for {$60.00} of which I had Approximately {$75.00} in my account. Immediately following the ATM machine, I went to transfer the money to someone to pa y a debt and was told I didn't have sufficient funds. I logged into my account and seen that the {$60.00} was deducted from Checking Account. I called the ATM company and they told me that it was a Network error on Chime 's Side. And To dispute the transaction with Chime and they would confirm that no money was dispensed. First Chime told me that they transaction was pending and they couldn't file a dispute until it settled. After 4 days, I called Chime again to dispute the claim. They denied my refund request saying " They did not find any errors ''. I immediately filed another dispute and requested docs to support their decision. They sent me an email with supposed documentation which consisted of an intake questionaire of questions that were asked of me as well as my ATM receipt showing " Tranaction Not Processed ''. I tried replying to all emails that were sent to me from CHime only to get a NON-Delivered response back. My 2nd dispute was also declined for refund of which they sent me another email with the same documents that they state as proof supporting their decision. Every time I call, it takes 15 minutes to get through the computer automated answering service. Only to talk to the dispute department and their supervisors with them claiming they can not directly communicate with their investigation department and said my only option is to reopen the claim/dispute ;. 

Basically, they have called me a Liar by denying a refund for the {$60.00} that was never dispensed from the ATM and have successfully STALLED any progress in settling this problem. The ATM Company and Bank behind the ATM company have both verbally told me they can see the transaction and confirms their knowledge of No funds being dispersed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 examined my finances and developed a careful budget that includes my payment with the creditors I asked for a loan. I want to maintain a good relationship and a good credit score that's why I keep track of my bills. But seeing this is unfair.. I am requesting that you step up and remove the late  payments reported on the accounts because it is completely INACCURATE AND INCOMPLETE in reporting, therefore it must be deleted asap 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 2023-11-25
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quicklyXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: EQUIFAX, INC.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been violated by XXXX on XX/XX/2020. This is the second time I am filing a complaint about the same issue. I am a victim of identity theft and did not give permission to anyone for assumed access to my information. The effects of this matter have been causing me severe health problems and difficulties in my marriage. Equifax is now negligent in failing to comply with

t he U.S. Codes of Law. I know my rights and am protected under the following laws by the United States Court of Law : 15 U.S. Code 1681n 15 U.S. Code 1681o Please have this inquiry removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
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:
I hereby dispute the non-reporting of my XXXX XXXX individual credit card account on my Equifax credit report. It has come to my attention that my individual XXXX XXXX XXXX account ending in XXXX is not being reported to Equifax, which is having a significant negative impact on my credit score and financial profile. I kindly request that the matter be thoroughly investigated, and the necessary actions be taken to rectify this discrepancy in accordance with the Fair Credit Reporting Act ( FCRA ) guidelines. As per the FCRA, creditors are obligated to report accurate and complete credit information to credit reporting agencies such as Equifax. Section 623 of the FCRA ( 15 U.S.C. 1681s-2 ) specifically states : ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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. It is evident that XXXX XXXX has not complied with its duty to provide accurate information to Equifax concerning my credit card account. This has resulted in the omission of crucial credit history data from my Equifax credit report, leading to an unfair and unjust assessment of my creditworthiness. I have verified with XXXX XXXX that my individual credit card account is active and in good standing. All payments have been made on time, and the account reflects a positive payment history. Therefore, the non-reporting of this account is a clear violation of the FCRA and has unnecessarily affected my credit standing. I urge Equifax to conduct a thorough investigation into the non-reporting of my XXXX XXXX credit card account and promptly take corrective measures to update my credit report with accurate and complete information. It is essential that you comply with the FCRA guidelines and ensure that all pertinent account details are appropriately reflected in my credit report. Please keep me informed of the progress of the investigation and provide written confirmation once the matter has been resolved. Thank you for your prompt attention to this matter, and I anticipate a favorable resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
I reviewed my credit report with Lexis Nexis. There is a public record listed on for a bankruptcy. I disputed this incorrect information and received a response stating the information obtain in my credit report was " verified as accurate. '' I contacted them to ask how this information was verified ; however, I have not received a response to that question. I mailed a letter to the court listed in my file and received a response from the United States Bankruptcy Court stating they do not report information to or remove information from the credit bureaus. In addition, my account with Lexis Nexis has a freeze placed on my account since XX/XX/2019. How was this information obtained and who verified this inaccurate information since the US Bankruptcy Court state they do not report anything to the credit bureaus. The US Bankruptcy Court is the only entity that can verify if this information is true and correct, and they state they do not provide information. I have made several calls and written letters disputing this public record and I am frustrated as I am getting nowhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
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: Public record information inaccurate

Complaint:
I reviewed my credit report with all three ( 3 ) bureaus ( XXXX, XXXX and Equifax ). There is a public record listed on all three for a bankruptcy. I disputed this incorrect information with all three bureaus and received a response stating the information obtain in my credit report was " verified as accurate. '' I contacted the bureaus to ask how this information was verified ; however, I have not received a response to that question. I mailed a letter to the court listed in my file and received a response from the United States Bankruptcy Court stating they do not report information to or remove information from the credit bureaus. In addition, I also contacted XXXX XXXX a third party agency and they indicate a freeze has been on my account since XX/XX/XXXX, XXXX.How was this information obtained and who verified this inaccurate information since the US Bankruptcy Court state they do not report anything to the credit bureaus. The US Bankruptcy Court is the only entity that can verify if this information is true and correct, and they state they do not provide information. I have made several calls and written letters disputing this public record and I am frustrated as I am getting no where.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: DISCOVER BANK
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
Discover Student Loans continues to harass me for payments that I am unable to make, and has provided no manageable repayment options that fit my financial needs. I took out a small student loan of about {$13000.00} with Discover to supplement my federal loan package in order to complete my XXXX XXXX XXXX. Unfortunately, I finished my program at the same time the XXXX pandemic was starting, and I have been unable to get a job in my field of study to-date. I have explained this to Discover Student Loan representatives, they offered me a 6 month period of forbearance, and informed me that they would re-evaluate my repayment options once this period ended. When the period ended, they did not offer me any repayment options that were matched my financial circumstances. They told me that I could opt for interest-only payments, but this was still above $ XXXX, and I told them I do not have any disposable income to allocate for this. My financial circumstances are such that I am currently receiving food stamps and XXXX in order to make ends meet. I have had this conversation with multiple representatives from Discover Student Loans, and they apologize but tell me there are no other options. They continue to call me from various phone numbers multiple times a day, including weekends -- I have received calls even while attending church on Sundays. I have asked them to stop multiple times, telling them that I can not make payments and their harassment is causing an undue burden of stress that has severely impacted my mental health and job search ability. They do not care and I am left feeling hopeless with a useless XXXX XXXX and a private student loan that has ballooned to almost {$20000.00} with all of the late fees and accrued interest.

Company response to consumer: Closed with explanation