BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-02
Company: Experian Information Solutions Inc.
State: AZ
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:
The Name, address, place of employment, and phone number is not correct on my credit profile. I have asked Experian to update and delete this information but the have not honored my request stating that the information has been verified. 

If there is an account which comes back verified pursuant to 15 U.S.Code 1681a ( e ) there must be an investigative report with the source of the report coming from interviews of family and friends and the results can not contain factual information. No such verification based on an investigative report exists. 

The reporting of this information negatively effects my credit as inaccurate reporting can be a concern of identity theft and other persons information may be link to my personal credit profile.

A consumer reporting agency may furnish a consumer report in accordance with the written instructions from the consumer to whom it relates. Please provide the written instructions that I, the consumer gave to Experian which has authorized this furnished account. 

A consumer reporting agency must maintain reasonable procedures to assure maximum possible accuracy of furnished information on my consumer report. 

1681n ( a ) ( 1 ) ( A ) - willful failure to comply with any requirement under the FCRA is damages up to {$1000.00}

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 2023-04-04
Company: Experian Information Solutions 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:
This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX Balance : {$1200.00} XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1300.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  XXXX ) XXXX Balance : {$100.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
On XXXX I purchased a house for {$250000.00}, i put around {$12000.00} down. Unknown to me, the same date, I also signed a second loan called " Home Equity Credit Line '' for {$50000.00}. I was unaware of how this loan worked as I did not have 'equity ' on the house upon signing the loan documents. I received checks and a credit card from the lender XXXX XXXX and I was told i could use it to buy anything i wanted and that it had a limit of $ XXXX on it. When i tried to use it, i was told that i was maxed out! I tried talking to a XXXXXXXX XXXX Supervisor and was told that someone was going to call me. They never did, so i figured it was a mistake on their part and just forgot about this issue, and continued to pay my mortgage on time. In XX/XX/2019, i was interested in pulling some equity to fix my house. A broker working with us found a second mortgage that had not been paid on. This is when we found out about this equity line of credit. I had not received any statements or phone calls from the bank about this. Now they are saying i have to pay {$50000.00} plus {$50000.00} in interest over the last 12 years.

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 2019-11-07
Company: Conn's, 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 status incorrect

Complaint:
On XX/XX/XXXX, I called Conn 's because I difficulty making my payment online and removing old financial accounts. Therefore, the payment I scheduled for XX/XX/XXXX were cancelled so I could get more information from Conn 's. I called Customer Service and the representative told me I had 3 accounts but he could not open any the accounts on the system. I asked for a supervisor ( XXXX ) where he stated my account was charged-off so I needed to speak to Recovery department. XXXX transferred to the Recovery Dept.  and I spoke to XXXX that told me I had a balance so my current account was placed there also. I asked her why would a current account be placed in the Recovery Dept/Charged Off. XXXX says because I had cease and desist calls. That did not make sense. Cease and Desist calls only pertain to calls not charge off accounts. I asked why were they trying to collect anything from accounts discharged in a Chapter XXXX Bankruptcy in XX/XX/XXXX. In addition, it wasn't legal what they were doing. They stated it was legal if I still owed money and hung up. I contacted the Bankruptcy Attorney and she called them which wasn't received very well. They told her I needed to get a Power of Attorney but I only needed a letter giving her permission to access to account. I faxed the letter to Recovery Department and they've refused to allow my attorney to get information about the account. 
Due to me involving my bankruptcy attorney to resolve that issue, they placed derogatory information on my credit report XX/XX/XXXX. Conn 's Appliance reported a derogatory status on my credit report in the amount of {$34.00}. I did not receive any notices, emails or told by customer service of any past due amount when I called. I have no idea what the {$34.00} past due amount and would have paid with my payment on XX/XX/XXXX. I do not feel it should be reported to credit bureau if the customer wasn't notified, emailed or had not been conveyed to the customer. A business shouldn't harass, attempt to intimidate a customer into making payment on discharged accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Claim ID : XXXX and Claim ID : XXXX. My account is overdrafted because Bank of America has been super slow in investigating my original CFPB case. My agent calls me at the most inconvenient time, and when I try to call during his work hours, I get sent to voicemail. My agent 's name and contact is XXXX XXXX, Officer ; Resolution Specialist, Regulatory Complaint Operations, Bank of America, XXXX Extension : XXXX, Case number : XXXX XXXX. It has been months. Bank of America did not do a full investigation into my 2 claim ID fraud cases above, their system just took my money and overdrafted the rest, they did not even bother to ask the merchant for a refund, Bank of America has handled this situation unseriously, I will go public on my XXXX  with a following of XXXX XXXX if I don't get this issue solved in 15 days. I want my entire money back or I will also sue. I want the {$4400.00} and the {$420.00} back into my account with an apology.

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 2019-09-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/2019 I signed up for a Capital One Savor One card, with an offer on the Capital One website for a {$500.00} bonus when you spend {$3000.00} within the first 3 months. I did spend over {$3000.00} in that time, and have been waiting for a notification that my bonus has been applied. It has now been 5 months so I called Capital One to ask about the bonus. They stated that a Savor One card offers only a {$150.00} bonus which had been added to my rewards balance, and that I must have been confusing the offer with the Savor card which offers a {$500.00} bonus. After researching the issue it was brought to my attention that there was an apparent " glitch '' in Capital One 's website offering the {$500.00} bonus for the Savor One card which I applied for. Capital One sent out emails to customers stating that they would be honoring the {$500.00} reward for customers affected by the glitch. I never received this email or the full bonus. I called Capital One again and they said again that I must have been confused with the Savor card, and that there was no such advertisement for the Savor One card, and have refused to honor the {$500.00} offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25
Company: AMERICAN EXPRESS COMPANY
State: NM
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
After opening a brokerage account at XXXX XXXX, I was offered to sign up for their XXXX American Express credit card with the employee. We went ahead and processed the application. Was not told of or mentioned any restrictions. The offer was for XXXX MR points after {$5000.00} in spend per the terms I was given. 

On XX/XX/XXXX around XXXX I gave American Express XXXX a call to confirm the promotional offer was on my card and was confirmed by two different agents AND was given the promo code on my account, which was XXXX : XXXX I've met the {$5000.00} minimum spend by a lot and was not given the points that I was advertised. American Express employees confirmed with me on XX/XX/XXXX on a recorded phone cone that I was eligible for the promotion and that no issues existed. They should be held responsible for their advertisement and what they told me on the phone.

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: Account information incorrect

Complaint:
I have contacted XXXX regarding XXXX late payments theyre reporting on my credit. When the Pandemic first happened and I was financially impacted, I notified them and they told me my payments were suppose to be in forbearance. They assured me that they werent reporting late payments at all because of the Natural Disaster of C19. Upon me checking my credit report the ending of last year, I seen they have reported as late payments. I have been contacting them via Mail and also over the phone. This is hindering me tremendously! Those XXXX years was very tough for me. Not only did I loose more than 50 % of my income but I lost my mother at the same time. I had to pay for her funeral expenses. I also told XXXX the same. They assured me that I wasnt going to be affected. But I am. I have improved my payment history since the world opened back up.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07
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:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2019-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
Credit report is showing Several accounts from XXXX XXXX beginning in XXXX and XXXX. These accounts have no pay history recorded, but is stating that the account is charged off. How can this be. This is very inaccurate. Please delete this account from my account immediately. 

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 2019-11-07
Company: Navient Solutions, LLC.
State: CA
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:
Today I was addressed an issue as I was trying to purchase a vehicle at a dealership that I was delinquent in credit because of a student loan that is on my record. The student loan that I apparently owe money to has already been dealt with years ago in the past which I have already paid off my student loans for my XXXX. I got in contact with Navient and they informed me that they have no prior history of any payments towards the student loan that I have already paid on record. As Ive been doing my research I noticed that Navient has had Five lawsuits against them, which included that they have processed payments incorrectly and created obstacles to payment by providing bad and in accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
The following Capital One Walmart MasterCard credit card account : XXXX is a fraudulent account. The account was opened fraudulently. Its not my account. I never applied for the Capital One Walmart Credit Card. Its a fraudulent account from the result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX sent a letter referencing information I should have received about servicing enhancements. The referenced information was never received. As a result of " Servicing Enhancements '',  XXXX created new loan numbers that were credit reported in addition to the original loan numbers. Consequently, the addition of the new loan numbers had an adverse effect on my credit score and rating. I am currently in the process of obtaining a home loan. Due to the negligence of XXXX XXXX XXXX XXXX XXXX incorrectly reporting 4 accounts to the credit bureaus, including 2 original accounts and 2 new accounts, the adverse effect of the new loan numbers negatively interfered with the home loan process. Thus, I requested immediate removal of the new loan numbers from my credit. Additionally, due to the damages caused to me from the negligence of XXXX XXXX XXXX XXXX XXXX, I requested our relationship be terminated immediately. I offered to settle the original accounts with immediate removal of the all accounts from my credit to release XXXX XXXX XXXX XXXX XXXX from the damages caused by negligence in unauthorized new loan numbers and credit reporting. XXXX XXXX, XXXX Representative, has been rude and has not resolved the issue. After sending him documentation of the adverse effects to my credit and a resolution letter, he maintained that the company " reported correctly '' and the company rejected the offer to settle.

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 2023-04-04
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:
I am requesting again in regard 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, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the 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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: Incomm Holdings Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
This card is a MyVanilla debit card. Last XXXX you helped resolve an issue where they prevented me from using this account from XXXX to XXXX. They have done it again, effective today. The expiration date for this card is " XX/XX/23 ''. Not having received a replacement card yet, I called their main number on XX/XX/XXXX around XXXX. 
After a half-hour wait for an answer, the person told me that they were NOT going to send a new card, apparently until I called and requested one. He said a new card would be sent within 10 days. This morning, my online account is " inactive ''. How am I supposed to activate my new card if the account is " inactive ''? Also, what about using my EXISTING card and funds between now and the end of XXXX? They have prevented me from using my current card and funds, and wait 10 or more days for the new card. What is the matter with this company? Can they do ANYTHING the right way?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: Experian Information Solutions Inc.
State: MO
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 this letter to inform you of the Bankruptcy inaccuracies, HIPPA Violations, inaccuracies, errors, and Violations on my consumer report. I mailed the letters to the Bureaus ( transunion, equifax, experian ) on XX/XX/XXXX, 2021/XXXX XXXX, 2021/XXXX XXXX, 2021 and I have not received any response to this matter from XXXX, XXXX nor Experian. They havent responded nor input a Notice of Dispute within the 30 day time frame. Please assist in getting this matter resolve because they have not replied within 30 days. As a result, thats a violation. Thats protection under the FCRA Section 623 and that {$1000.00} fine.

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 2021-09-02
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
after reviewing my credit report I sent a dispute letter to XXXX, Experian and XXXX  on the inconsistent accounts and inaccurate information account XXXX XXXX this account status, date opened, last reported, date last active and date of last payment is all reporting inconsistent and inaccurate information dollar amount ( {$29000.00} ) account XXXX XXXX XXXX XXXXthis account status, no. of months terms, last reporting date, date last active and date of last payment is all reporting inconsistent and inaccurate information dollar amount ( {$230.00} ) account XXXX XXXX XXXX XXXXthis account number, date opened, last reporting date and date last active is all reporting inconsistent and inaccurate information dollar amount ( {$280.00} ) account XXXX XXXX XXXX  XXXXthis account date opened, last reported date and date last active is all reporting inconsistent and inaccurate information dollar amount ( {$100.00} ) account USDOE/XXXX XXXX this account status, date opened, last reported, date last active and date of last payment are all reporting inconsistent and inaccurate information dollar amount ( {$50000.00} ) account XXXX XXXX XXXX this account number, account status, date opened, no. of months term, last reported, date last active and date of last payment are all reporting inconsistent and inaccurate information dollar amount ( {$29000.00} ) these accounts are furnished by the same creditor so why are these account reporting differently? it is your duty to ensure that all information reported consistent and most importantly accurate and you have failed to do so. please deleted this erroneous items immediately.

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