BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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:
Prior to XX/XX/XXXX, Capital One listed one account on all three of my credit reports in Charge off status, as payments has ceased in XXXX of XXXX. I had initially attempted to engage with a debt consolidation company to help manage this account, but this was unsuccessful. In XXXX of XXXX, I called Capital One to discuss options to settle the account and remove the negative reporting from all three credit bureaus. At the time of our negotiations, the only negative report on this account was the charge off status. Capital One agreed to settle for less than the full balance and change the account status from " charge-off '' to " settled for less than full balance. '' Capital One sent letters to all three bureaus in XX/XX/XXXX, XXXX, XXXX, and XX/XX/XXXX. At the time of this complaint, XXXX and XXXX  continue to report my account status as charge-off and has only added a comment stating that the account was settled for less than the full balance - as such, this report continues to be reported to lenders as a charge-off account. Furthermore, XXXX  has added 4 late payments, 24 charge-offs, and 1 negative report to the account - as such, XXXX  continue to report to lenders 29 total negative reports in relation to this account, which is inconsistent with previous reporting, and inconsistent with the settlement agreement between Capital One and myself. I contacted Capital One, XXXX  and XXXX in XX/XX/XXXX, which led to Capital One sending a letter to all XXXX agencies dated XX/XX/XXXX requesting the remove of the negative reporting. I contacted Capital One, XXXX  and XXXX in XX/XX/XXXX, because the negative reporting remained, which led to Capital One sending a letter to all 3 agencies dated XX/XX/XXXX, requesting the remove of the negative reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
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: Their investigation did not fix an error on your report

Complaint:
I recently reviewed a copy of my credit report, and after carefully going over everything on my report i noticed their were a bunch of unauthorized inquires on my report. I Sent Equifax two letters disputing the information that they are reporting. I sent my first communication to them on XX/XX/2018I received a response from them advising me that they validated the information and to contact the creditor directly. I sent another communication on XX/XX/XXXX and received the same response. so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute.. In addition, as part of your investigation, please send names, business address and phone numbers of those who made unauthorized credit inquires so I may contact them directly. I am asking for this because my credit is being unjustly degraded because of these unauthorized inquiries. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-20
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:
Recently I sent letters questioning the inaccuracies reported on my report by these 2 bureaus. These letters were sent over 45-60 days and I have yet to hear anything regarding what they have found. Its really upsetting because this is the SECOND time this year I've had to come to you guys because they have NOT been honest, accurate, or on time ever! Through this stressful long hard year in 2020 I have no other options I just want these inaccuracies removed so that I can move on to accomplish and succeed and not be looked down upon by these inaccuracies on my report. The rules are the rules and we can not continue to let them hold people back from the mistakes these credit agencies make. Please hear me out and act accordingly as since the 60 days has past and no response, these inaccuracies should be removed now!

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 2020-12-20
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
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 90-120 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 2018-06-05
Company: Bread Financial Holdings, Inc.
State: TN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
XX/XX/XXXX, XXXX and XXXX. I contacted XXXX XXXX because my credit limit was lowered without prior notification for ( 3 ) cards I have with them. XXXX , XXXX, and XXXX XXXX. I reached out to them because when I logged in online my available credit was {$0.00}. After contacting them I was informed that a letter was sent to me on XX/XX/2018 which was ( 2 ) days before I noticed this issue. A letter that I still have yet to receive. The ethical thing to do would have been to notify me first advising that on my next statement that my credit limit would decrease. This would at least have allowed me the opportunity to make a payment that would provide me with an available credit balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX, my XXXX account was hacked. 3 credit cards on file were compromised ( 2 cards were mine, one belonged to my father ). I noticed unauthorized charges on my 2 cards, reported them to fraud divisions at Citibank and XXXX, cancelled the cards and closed my XXXX account. I also recently filed police reports and a report with identitytheft.gov. 
My Citibank Diamond preferred card had 2 unauthorized charges on it, one for {$420.00} and one for {$410.00}, both made on XX/XX/XXXX. 
According to XXXX, the merchandise was delivered to my home on XX/XX/XXXX, therefor Citibank closed the case and did not reimburse me or investigate any further. I DID NOT make the 2 purchases, nothing showed up on my XXXX account showing these purchases, and NOTHING was delivered to my home ... I DID NOT receive any merchandise. 
Upon speaking with XXXX, they revealed the first name of the person who made the purchases. It was not me or anyone I know. I have an email from XXXX confirming that this purchase did not come from me or my account. Citibank is ignoring this information and is holding me responsible for the charges because a delivery was made ... but obviously intercepted by the thief who stole my card.

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 monetary relief
Consumer complaint received 2021-11-09
Company: AMERICAN EXPRESS COMPANY
State: NJ
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:
Debt Collector, AMERICAN EXPRESS closed my credit card due to non payment of an alleged debt. As a consumer, credit was extended to me through the use of my social security number that is linked to an account attached to the strawman XXXX XXXX that was issued to my parents at my birth. AMERICAN EXPRESS can not issue credit as banks do not have the power to do so. This credit transaction is already being paid for through my account at the treasury thus, I have open ended credit. Since this was a consumer credit transaction I should have received the proper disclosure form for rescission under the Truth In Lending Act in which AMERICAN EXPRESS did not disclose to me. That is a violation of 15 USC 1635. I also disputed this alleged debt and since it was in dispute AMERICAN EXPRESS was to return to me all payments that I have made to them in which they did not which violated 15 USC 1692h in the Fair Debt Collection Practices Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-12
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: Their investigation did not fix an error on your report

Complaint:
I contacted the Experian advising them that Chapter XXXX bankruptcy REFERENCE # XXXX was showing on my credit and this was inaccurate. I was victim of identity theft and my filed was also mixed with someone with a similar name. I contact Experian on XX/XX/2019 around XXXX XXXX PST and spoke with a rep in disputes name XXXX ask them how they verify this bankruptcy and was told that information was verified through XXXX XXXX. Also, FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii )  regarding procedures and results of reinvestigation states if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available Experian is required to conduct investigations of disputed items with the furnisher which they have on my report as US BKPT CT CA XXXX XXXX  of information. The Bankruptcy Court should be the furnisher of information, not a third-party source such as XXXX XXXX. I contacted the US Bankruptcy Court in  XXXX XXXX, CA. They advised that no bankruptcy shows under my social security number but they are people with the same name. The court could not provide any additional info. They also advised that no one has contacted them trying to verify that this bankruptcy is mine. Experian needs to remove this bankruptcy off my credit immediately because this is not 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 2021-11-09
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: Personal information incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately : Wrong Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX Employer : XXXX XXXX  Date Updated : XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20
Company: U.S. BANCORP
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I obtained several Digital Prepaid Visa cards [ XXXX XXXX XXXX ] through the XXXX rewards program, and all of the cards would be applied to my digital wallet via their website where I can view the cards and balances and transactions. I currently have six cards active and have been using and viewing the cards balances online. Recently I used one of the cards to a XXXX XXXX  application for XXXX. After I entered the information and XXXX accepted it. I went to log into my XXXX  account again to check my balance and was surprised to find that the card disappeared from the list of prepaid cards. If I did not specifically look for that particular card I would not have noticed it disappeared from the relatively large list of cards that I have. I am currently contacting the company regarding this but no one is picking up the phone currently. But this is a huge breach of trust a financial company can inflict upon a customer, to remove a card without any notification or clue or email, so that the customer will not notice and take action because it is not listed in their account anymore and easily unnoticed from the list of cards they currently have. Such a company can profit out of this because they will obtain all the funds on the card once it has expired in 6 months all without the customers knowledge. Such a practice must be reported and brought out to light or financial companies will take advantage of customers trust through practices such as this in which customers have no control over.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: EQUIFAX, INC.
State: MD
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:
Equifax did not properly secure my protected personal identifiable information from intrusion. As such, it appears my full name, Social Security numbers, birth date, addresses, and possibly driver license number is cross-matched to each other and in the hands of criminals who can use this data to breach any number of accounts in perpetuity such as my banking and financial data, medical data, legal complaints, political data, and any other number of sensitive accounts. 

Further, I am unable to secure these accounts because they ask for the very personal information that is breached in order to verify my identity and approve a change. 

Equifax is currently offering a limited credit monitoring service, which does n't even activate immediately. Even this had to be sought out by what I saw in news reports, which in turn link to a third-party website asking for social security numbers plus last name and a waiver of all class action recourse in order to discover if one is among the breached accounts. This is insufficient to the need created by their negligent protection of my information, which I did not give them myself, but which they curated as their business from other businesses.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12
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: Their investigation did not fix an error on your report

Complaint:
XXXX ; Experian and XXXX are reporting incorrectly ( 90 plus ) days late on the DPT ED/XXXX partial account number ****XXXX and on the XXXX partial account number - ***XXXX. ( Please see attached copy of my credit report. ) These accounts have been brought current and are no longer in past due status. This incorrect reporting of lates is harming my credit score and these line items need to be brought current to accurate report zero late payments. I have contacted the ( 3 ) bureaus to resolve this issue however, I have not been successful.

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 2015-08-31
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Tried to obtain my annual credit reports. XXXX was no problem. Equifax and XXXX both were unable to send. Equifax questionnaire asked questions but none were related to any information about me. XXXX did not even ask questions simply stating they were unable to send online. Both want me to mail my requests and submit my PERSONAL information via the mail which I feel further exposes me to credit theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-04
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Equifax continues to report this incorrect information from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. The refuse to block the fraudulent information. I am again sending an updated police report and would like the information blocked from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
XXXX XXXX charge me for three days XX/XX/XXXX XXXX XXXX and a late charge later they took off the late charge but I never stayed on XXXX XX/XX/2022! This was in XXXX XXXX XXXX XXXX at XXXX XXXX, next to the XXXX  I was charged for all the different taxes and surcharges for the XXXX even though the room charge looks like it was removed according to my credit card company it looks like I was charged to stay all the way to XXXX XXXX Ive been fighting this for almost 3 months now and my credit card company wants more information what the problem is I havent been able to get the XXXX XXXX management can you send me a receipt for the bill nor have they ever replied to me ever since I have sent the messages!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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/XXXX I sent dispute letters to XXXX, XXXX, and Transunion credit bureaus and I have not received responses. None of the bureaus are following the laws to respond to me within the allowable timeframes. It has been over the 45 days since I sent my letters was supposed to received their investigation responses by now. This is causing me financial distress and keeping me from qualifying for a mortgage. I am deeply disappointed with the inconsistencies and plain incorrect information reflected and do not understand why it is taking so long for them to address. I demand that they immediately remove these accounts from my credit reports.

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 2020-06-25
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
i sent 4 different letter to account resolution service on XX/XX/2020 about items on my credit report with different alleged balances that they say i owe. i have attached the letter below in the complaint for your reading.

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 2022-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Hello, I am creating this complaint because I am attempting to remove negative items from my credit report that I have no recognition of. I have explained to all 3 credit bureaus XXXX, Transunion and XXXX of the following accounts inaccuracies and for them to be removed. They responded that the information was accurate and it will remain on my report. 

Account Inaccuracies : Account # 1 : XXXX XXXX XXXX XXXXXXXX .... 

Account # XXXX : XXXXXXXX XXXX XXXX  XXXX XXXX .... 

*These 2 accounts were identified as fraud and I have asked for them to be removed across all 3 bureaus if they can not provide any information that these accounts were in fact mine. 

Account # 3 XXXX XXXX XXXX .... 

*This account was categorized with the 2 accounts above and was removed by XXXX. Neither XXXX or Transunion has removed the account. 

Residence Inaccuracies : Another reason I believe that this information is inaccurate because there are multiple addresses across each bureau that I have never used for credit purposes. 

Address # XXXX : XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX Address # XXXX : XXXX XXXX XXXX XXXX PA XXXX XXXX Inquiry Inaccuracies : Account name XXXX XXXXXXXX XXXX  Date of request XX/XX/XXXX Account name XXXX XXXX XXXX Date of request XX/XX/XXXX *These inquires are not reporting to all 3 bureau and I do not recall Inquiring about these loans/cards. I asked for these to be removed because I claimed these as fraud.

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 2023-06-12
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:
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 response to consumer: Closed with non-monetary relief