BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-13
Company: EQUIFAX, INC.
State: GA
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 XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Transunion credit reporting agency removed my mortgage history from my credit report my mortgage company stated they reported my payment history I need Transunion to put my payment history back on 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 2021-04-22
Company: CITIBANK, N.A.
State: CO
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 always paid my account on time every month through the website that the company provides and i always received notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and I tried disputing it with the company because I had paid it and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have happened since they have intermittent problems with their website. Please help as this is affecting my ability to get the best rates on a home loan and this was not my mistake.

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 2021-04-22
Company: EQUIFAX, INC.
State: CT
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 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: EQUIFAX, INC.
State: GA
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:
In XX/XX/2020 an derogatory account was reported for the amount of XXXX. I am filing a claim under FCRA Section 611 ( a ) ( 1 ) ( A ) .I am in desperate need of this account being removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
Company: The CBE Group, Inc.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX got a charge on my account for an account that is not mine. Its charged me {$380.00}. This is an fraudulent account and I have no idea who opened this account in my name. I did not approve or authorize myself to an with XXXX XXXX. I have no idea what is this. I looked it up and its cable. I never had a cable account in my name or got cable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: GOLDMAN SACHS BANK USA
State: OR
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:
XXXX XXXX with XXXX XXXX XXXX did a balance transfer, consolidating our small credit card debt. Goldman Sachs/Apple Card received our check and cashed it but never applied it to our account. I reached out to Goldman Sachs/Apple Card and said they would investigate ; they came back and said they couldnt find the payment and that they were sorry, but nothing more we could do. XXXX then reached out to Goldman Sachs/Apple and sent them the canceled check showing where they cashed our check and applied it to someone elses account, and they are still refuse to admit their error and fix it. XXXX and I have tried to reconcile with them they deny they ever got the payment. XXXX sent them another letter on my behalf trying to reconcile this, and theyve yet to respond, and that was a month ago, we have canceled checks showing they cashed it, and I have the statement we used to send them the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 reached out to you guys about some items on my credit that not mine. I thought this was taken care of but there are still items on my credit that are not mine. I've contacted the FTC and my local police and I'm doing this on my own behalf. XXXX   XXXX/XXXX, XXXX  XXXX XXXX, and XXXX. Please have these removed from 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 explanation
Consumer complaint received 2019-08-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On or around XX/XX/2018, I reported 30 days of Charges on by business debt card estimating to discrepancy of XXXX to Bank Of America and the XXXX police dept.. Sometime in XXXX claim denied due to charges made with pin use. In that conversation, I explain that I realized that the 2 business accounts ( XXXX XXXX ) I had one was the primary account and sub-account and the original report I stated I had possession of the card. I realized I did not and sent in a statement correcting the original report.I also learned from that conversation the charges had been made during my working hours, so I submitted a detail report of the time card. I then followed up with the XXXX police dept who stated they record the incident but do not do an investigation because banks usually pay. requested an investigation that did not start until early summer because the officer assigned was not available. Officer ( XXXX cell phone XXXX ) reports back to me that he can not obtain the actual transaction to investigate with the vendors the fraudulent activities was made at because BOA will not release to him. I spoke to the store manager of one of the places the card was used and they state card transactions can be traced back a year if I can obtain information of detail times the card was used each transaction.

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 2019-08-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
Capital One Bank offers overdraft protection. The line of credit account is listed along with the checking accounts. The full-service access online and the mobile app allow the transfer of funds between all accounts entrusted to Capital One. 

Over the last two payment cycles, the online ability to transfer money and pay off the line of credit has not been functioning. You can choose the " account from '' to begin the transfer process but the " account to '' does not include the line of credit account. 

I called and alerted Capital One. They informed me that Capital One is having issues with the feature, which allows customers to transfer money and pay down their line of credit. 

After I paid the balance over the phone, I registered a complaint with the Capital One customer service representative. I informed them that the inability for customers to complete the transaction online is suspect and that " it was convenient for Capital One to sit on this money and draw interest. '' The representative said that there was a way to pay by calling customer service. I responded by informing the customer service agent : 1. At no time was I informed that Capital One was having issues with the online feature, which allowed me to pay down my line of credit through the online transfer of funds option.

2. At no time was I informed via email or some other mechanisms while in the act of transferring funds online that the feature was not working and to call customer service. 

Capital One is not informing their customers about issues with the online transfer of funds and causing unsuspecting consumers to become delinquent. In addition, I feel I have the right to pay off the balance of my line of credit, and if there are technical issues with the ability to do so, Capital One should inform their customer immediately as to how to proceed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
Company: Leap Credit, LLC
State: MS
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I applied for a loan online on XX/XX/XXXX and received an email stating that my application was approved on XX/XX/XXXX. The email stated I had 3 days from the date of this " confirmation email '' to cancel the loan by calling their customer service toll free number. I tried to call numerous times throughout the day to cancel the loan on the day I received the confirmation email, XX/XX/XXXX. No human ever answered at their customer service number. Instead, I was asked to leave a voice mail. I left a voice mail and recorded the call on my end stating that I wanted the loan cancelled and to not under any circumstances deposit funds into my bank account. No one ever called me back. I emailed customer service demanding that they cancel the loan and expressed my frustration that no one answers their " customer service '' line. I eventually got an email response saying that the loan first had to be deposited into my account before the loan could be cancelled and that it could take 2 business days for the funds to show up in my account. I replied to that email stating that I emphatically did not want any funds deposited into my account and to cancel the loan. At that point, there was no further communication. I am filing this complaint here, have filed a complaint with the XXXX and have filed a complaint with the MS attorney general 's office. I am fully aware that Leap Credit is a predatory lender but to not be able to cancel the loan as advertised, hassle free, and avoiding any charges, interests or fees is totally unacceptable and illegal.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I was shocked when reviewing my credit report and found a late payment on the date below : XX/XX/2018 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
Hello, I checked my credit score and received inquires on my account that I did not receive any credit card or morgagte or anything from these places I checked and seen all inquires have been on my account which is hurting my score and I have not received the product and did not hand sign a application.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-01
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I lost my wallet in XXXX of 2020, my account with chase was compromised due to fraud, I contacted Chase they issued me a new debit card and account number which didn't work, then told me i had to bank elsewhere. I recently received a email that funds were being withdrawn from my account and had no idea why.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
XXXX XXXX   XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX I have several issues on my credit report that need attention dealing with my current address and my actual name. 
XXXX XXXX  XXXX is my only name please remove any other spelling. 
My DOB is XXXX My SS is XXXX I have not XXXX XXXX XXXX XXXX # XXXX  XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH 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 2019-06-20
Company: CITIBANK, N.A.
State: CO
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:
CITI CREDIT CARD They closed my account had over XXXX in points with the account paid all my balance on time dont even know why they did that tired calling them no answer they citi representative said send you a letter never did in the first place they jest closed my credit card account

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 2019-06-20
Company: AES/PHEAA
State: DC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Fedloan Servicing has under-counted my qualified payments for the Public Service Loan Forgiveness program. The company says that it reviewed my account and added two more months of qualified payments. However, I am missing 8 -10 months of payments. I filed a complaint with this office before but the office only reported back what Fedloan Servicing said. I hope this office does more than simply report back on what Fedloan Servicing says.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I respectfully request that the company offices provide me with competent evidence that I have any legal obligation to pay them or else remove the account from reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
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: Account information incorrect

Complaint:
XXXX XXXX Credit card is reporting a 30 day late payment in XX/XX/2019. I paid the account from the wrong bank account on XX/XX/XXXX. I realized my error and I paid the account current on XXXX XXXX. The payment was reported to the credit bureau as 30 days late when it was not 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I respectfully request that the company offices provide me with competent evidence that I have any legal obligation to pay them or else remove the account from reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
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:
Back in XXXX of XXXX I was robbed gunpoint and my wallet was stolen from me containing my State ID, social security card and bank/credit cards. A police report was filed and I called Experian to let them know I needed to freeze my account. The gentleman I spoke to informed that he did so and it was all taken care of. Fast forward to now XX/XX/XXXX, Ive noticed my credit report is bombarded with inquiries that I never authorized. Evident that the people who stole my personal information are trying to obtain credit under my name. Ive reached out to the company by phone to no prevail, and even through certified mail with return receipt so I know they got my complaints.As require by FCRA any information reported as fraudulent should be removed from the consumer credit file, please remove any other address, other than my current to prevent others to use my name. I'm reporting this as an effort to clear my name. This has hurt my credit score substantially and Experian refuses to resolve this issue

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 2019-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 have written transunion and XXXX   several times regarding my credit report ( XX/XX/2019 ). I have requested that the following credit reporting agencies remove incorrect information and accounts showing on my credit report. I I have requested that the following accounts be removed immediately due to the information being incorrect and does not belong to me. I have also requested that the agencies provide me with their method of verification and proof of contracts from the following accounts : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( {$590.00} ), XXXX XXXX XXXX ( {$3800.00} ), XXXX XXXX ( {$280.00} ) and XXXX XXXX XXXX ( {$680.00} ). Transunion and XXXX has failed to provide me with proof of contract and has not removed the following accounts on my credit 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 2019-05-17
Company: The CBE Group, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
HAVE BLOCKED THERE NUMBER. DO NOT HAVE ANY OUTSTANDING BILLS. THEY HAVE BEEN CALLING FOR OVER THREE WEEKS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
On the date of XX/XX/2019, I made an online purchase at XXXX in the amount of {$280.00}, for a floor rug, using my XXXX store credit card. When the rug arrived at my home, it was the incorrect rug and I immediately returned this rug to the shipping fulfillment center provided by XXXX and requested an immediate credit to my XXXX   card, offered by Comenity Bank. XXXX accepted the return and stated that a full refund would be provided to the card within a few business days. 

I received communication from Comenity bank that they were discontinuing the store card with XXXX and in the process of this severed relationship, XXXX XXXX stated they were no longer able to refund my account and that they would send me a check for the {$280.00}. It is now XXXX and I have made several attempts to resolve this with XXXX   XXXX customer service. On each occasion, I have been advised that I should expect a refund within 7-10 business days. I have several emails from reps for XXXX XXXX, ,XXXX   confirming this, yet I have still not received a refund check. All while continuing to be charged interest on the comenity bank card for this amount

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-17
Company: EQUIFAX, INC.
State: FL
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:
i recently sent letters over 60 days ago to this bureau and they are disregarding a regular consumer dispute. I am very stressed and concerned, i have been sending letters before this and still no response.

Company response to consumer: Closed with explanation