BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-12
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Their investigation did not fix an error on your report

Complaint:
XXXX, XXXX and XXXX of 2020. At the beginning of Covid, Capital One has reported late payments on my credit report for these months. I thoroughly explained to Capital One that a bank error ( due to Covid ) caused some type of payment reversal. The bank explained to me that this was their error and apologized. However, their apology did not fix my problem with this reporting on my credit report. I wrote to Capital One, XXXX, XXXX  and XXXX  explaining the problem. No one as helped. They know darn well when the pandemic hit, lots of businesses experienced all type of problems of computer issues due to staffing etc. This issue caused a significant drop in my credit report. I had been trying feverishly to stay on top of my credit after experiencing problems in the past. I vowed to never be in that situation again unless some tragic happened that prevented my from paying my bills. This was not the case at all. I had plenty of money in my account to cover the XXXX XXXX monthly payment. It was not until months later that I found out about this error after reviewing my credit report. This has caused me great undue stress and I want it fixed ASAP! Or I will push further and be a thorn in the side of Capital One, XXXX, XXXX and XXXX They can clearly see that I had a 3-4 year perfect pay history on this account. They shouldve taken this into account after I pointed out the error and explained what happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
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: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-29
Company: LendingPoint Holdings LLC
State: MI
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 have been refinancing my mortgage and financial institution advised me not to make payment to Lending point this was going to close before next payment is due. However there was issues with my mortgage they didnt submit documents on time and I missed one payment with Lending point. I brought account current and I always make payments on time. I received message on acct stated that Lending point will remove this mark on my credit. They never corrected my credit. I just ask for one time courtesy. I am trying to refinance again and I cant complete because this mark on my credit reduced my fico score. In this difficult time dealing with covid, when everyone is struggle with making payments I am always on time and I dont understand why Lending point refused to work with me. I am asking to correct my credit and remove mark 30 days on my credit. If you need to speak with me, please email to XXXX or phone XXXX XXXX XXXX thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-06
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: Account status incorrect

Complaint:
I do have have a XXXX Bank Credit Card which i closed on XX/XX/2015 on good standing and is reported as charge-off to the credit bureau 's. So, i called all the credit bureau 's and disputed the account being charge-off as i paid all of it in good standing and closed it in a good standing with a XXXX  balance on it. 

As a result XXXX and XXXX have verified my account and they have removed the charge-off from my credit file and closed it appropriately. But, Experian did not remove it from the credit file which is seriously affecting my credit score and daily life. 

So my Experian scores are always being very low with a serious deliquency on the account which is causing me very serious problems in my daily life. 

There is always a great difference in my credit scores because this such as : My current Experian Score : XXXX My current XXXX score : XXXX My current XXXX score : XXXX As you see above there is always a 100 point difference between the scores which is a serious problem for me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: EQUIFAX, 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:
Please help! I noticed some fraudulent accounts on my credit report. They're hurting my score drastically. I have submitted a complaint with the Federal Trade Commission and need these accounts to be removed immediately. 
15 U.S.C 1681 Section 604 A Section2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

Under the law of section 695 of the FCRA, you have 4 days to comply. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: Experian Information Solutions Inc.
State: PA
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 have tried multiple time to send in disputes and call to dispute these accounts with no response. Please investigate and remove these inaccurate accounts from 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 non-monetary relief
Consumer complaint received 2023-03-09
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Last night, I rec 'd an alert from XXXX XXXX starting that I applied for a CC with XXXX XXXX. I've never applied with XXXXXXXX XXXX. I called XXXXXXXX XXXX XXXXXXXX Fraud Dept XXXX and XXXX XXXX advised their was an Application ID # XXXX that was TD= Turned Down but she couldn't view the date. 
She advised me to reach out the 3 credit bureaus and FTC and XXXX XXXX I am requesting a freeze 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 2020-10-20
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
In XXXX I realized that I became a victim of identity theft from someone using my debit card info to apply and setup XXXX accts for their personal gain .I noticed the transactions and contacted my bank reissued me a new card and it started happening again disputed the items again in XXXX and was now told these charges are valid. XXXX a large amount of money came out my acct from bank of America stating all charges were valid and temporary credit was taken back I opened dispute several times to be told the same thing over and over from bank contacted XXXX XXXX said it doesn't issue refunds contact your bank .I call my bank they tell me to contact merchant but I'm out of almost XXXX  between my 2 accts .and I open investigation again with a police report, and I called XXXX and XXXX couldn't give me full name but issued me partial names of 10 accts under 1 card since XXXX Bank of America has issued me 9 different cards due to fraud but say all charges are valid and I also received a letter from XXXX   stating I'm in their data breach but low and behold I still cant get my money back thays been lost over a 11 month span and I alerted them on several disputes and bank of America linked them all together and will not give me my money back .this has put me and my family in a financial crisis with all the fees and loss of XXXX is substantial to anyone to lose especially when it's your mortgage payments. Also I've asked bank several times to provide me proof that charges were valid and the bank stated they dont have any written proof from merchants but analyzed and said it's off their knowledge. I am requesting written contractual agreements with my signature on them.to validate their claim of authorized charges .which Cant be produced because I never authorized any charges. I still request bank provide me written documentation with my original signature on receipts or contract to validate and prove that charges were authorized by me. I request validation of all charges with written documentation with my original signature on the document for validation .please provide

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 2020-11-29
Company: EQUIFAX, INC.
State: AZ
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:
As per case # XXXX, Equifax, in witness of the CFPB, had accepted my claim and provided a resolution of removing the fraudulent collections account. Once the case was closed, Equifax, behind the CFPB 's back, went ahead and added it back to my account. I don't know if this is in error, but it is a very concerning matter that the CFPB ought to look into to make sure these large financial institutions don't engage in large scale fraud. Please make sure that Equifax 's agreed upon resolution from the previous case is enforced.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: Experian Information Solutions Inc.
State: NJ
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 am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XX/XX/2020

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 2023-07-05
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: Account information incorrect

Complaint:
XXXX XXXX ( XXXX XXXXXXXX ) transferred all consumers to XXXX ( XXXX  ) in XXXXThe last time XXXX reported to experian was XXXX, before said transfer. According to experian I owe XXXX in student loans because the XXXX XXXX report are still reporting a balance as well and the new XXXXXXXX loans are reporting a balance. I confirmed with XXXXXXXX XXXX that my loan balance with them is XXXX yet experian has been reporting a balance of XXXX from XXXX XXXX  it has been 4 months since the transfer and they have not updated with experian. I was unable to get a home equity line of credit because my fico score was XXXX point to low. Undoubtly caused by the XXXXXXXX XXXX misreporting my student loans. I am positive that I am not the only one whose credit report shows debit to XXXXXXXX XXXX they dont actually owe

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 2023-05-15
Company: EQUIFAX, INC.
State: FL
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:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-03
Company: Navient Solutions, LLC.
State: HI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Im XXXX years old. I graduated from XXXX  in XX/XX/XXXX and University of XXXX XXXX in XX/XX/XXXX. I have a XXXX  in XXXX and XXXX in XXXX XXXX. I XXXX XXXX XXXX XXXX for 4 years and XXXX XXXX XXXX XXXX for 1 year. I then switched careers to the XXXX XXXX where I have been working as a XXXX  and XXXX  for the XXXX XXXX XXXX for 11 years. I have applied for loan forgiveness multiple times only to be denied. First, it was my loan was the wrong kind and I should consolidate. So, I consolidated. Then I had the wrong repayment plan. Its always something. I have been in public service for over 20 years total since before I went to college. I have paid off all my loans. I have literally been making payments for 18 years. I pay over 100 dollars a month. I have never missed a payment. I still have XXXX dollars to pay off. I am seeking loan forgiveness and I am just getting the run around. I should have been forgiving for my time as a XXXX  and again now as a XXXX. I need help with this. I have paid enough. There are some class action suits that I am looking to be part of. My loan used to be Sallie Mae and it is now Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
Company: EQUIFAX, INC.
State: NJ
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:
Equifax, XXXX  and XXXX  have violated my rights by reporting incorrect accounts that don't belong on my credit report. I have written these companies 3 times and I haven't seen or received any updates. This is unfair that I have to deal with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-03
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
Filed bankruptcy with XXXX XXXX in XX/XX/2012 but they never reaffirmed. I continued to pay then loan was sold to XXXX XXXX .... loan is current but still not being reported to any credit bureaus.

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 2021-11-01
Company: Kikoff Inc.
State: AZ
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:
Under 15 USC 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other. 2 ) In accordance with the written instructions PER the consumer to whom it relates. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, never gave XXXX, XXXX, or XXXX written consent FROM MYSELF to report anything on my consumer report, No Consent is IDENTITY THEFT. Concerning the account listed below as a consumer I Am demanding a deletion of all account as it relates, Immediately. I, XXXX the executor, have a legal right and security interest, under federal law ( 49 USC 14301, UCC 9-317,12 CFR 1026.23 ) to cancel this transaction, only collecting the proceeds not assets, without any penalty or obligation from the above date or any later date on which all material disclosures required under the truth in lending act have been given to you.When canceling this transaction any lien or other security interest on my property arising from this transaction is automatically void. I am also entitled to receive all proceeds of which this account is owed. In addition These accounts have not been validated and must be removed pursuant to FDCPA, FCRA and Federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: JPMORGAN CHASE & CO.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
XX/XX/2022 XXXX XXXX XXXX " XXXX '' were made 2 payments from our account in XXXX " XXXX '' XXXX XXXX XXXX of {$40000.00} and {$18000.00} to account in XXXX ( XXXX ) XXXX XXXX  XXXX BUILDING ( HSBCCNSHXXX XXXX XXXX 
The payment was made from buyer to seller to finance the product. 
The intermediary bank ( JPMORGAN CHASE BANK , N.A . ) informed that the payment can not be processed in accordance with original instructions due to sunctions under the Russian program under regulations issued by the OFAC. 
In order to apply to XXXX for a Payment Release License, XXXX XXXX must obtain confirmation of the payment blocking date. 
However, since XX/XX/2022, the JPMORGAN CHASE BANK , N.A . has ceased to respond to all requests fromJSC " XXXX XXXX and does not send a message about blocking these payments. 
XXXX XXXX XXXX " XXXX '' asking you to oblige the Bank to send to us the specified confirmations of the date of blocking payments. 
With best regards, CEO XXXX " XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-21
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: Personal information incorrect

Complaint:
IN REGARDS TO : EQUIFAX XXXX. XXXX XXXX XXXX GA XXXX EQUIFAX CONTINUES TO REPORT FRAUDULENT INFORMATION ON ADDRESSES THAT DO NOT BELONG TO ME AND WHERE THOSE ADDRESSES WHERE USED TO OPEN FRAUDULENT ACCOUNTS IN MY NAME. NEVER HAVE I LIVED AT THESE ADDRESSES ON MY CREDIT REPORT EXCEPT FOR MY HOME I'VED LIVED AT SINCE 2004. THIS IS A TOTAL INCONVIENCE OF THE INACCURATE REPORTING AND THEN BEING ON THE LIST OF THOSE MILLIONS AFFECTED BY THE EQUIFAX DATA BREACH. THEY REFUSE TO CORRECT THEIR ERROR AND MAKE THINGS RIGHT. I HAVENT BEEN ABLE TO RECEIVE AN UPDATED EQUIFAX REPORT AS REQUESTED. IM TIRED OF ALL THE SHENANIGANS DEALING WITH EQUIFAX THATS WHY IM FILING THIS WITH YOU ALL AND MY NEXT STEP IS THE FTC AND THE XXXX AND THE ATTORNEY GENERALS OFFICE IN XXXX GA TO GET THESE MATTERS RESOLVED.

Company response to consumer: Closed with non-monetary relief