BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-25
Company: Experian Information Solutions Inc.
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:
XXXX and Experian are not properly investigating the multiple disputes I have submitted via mail and by this agency. I have disputed the false and deceptive reporting of XXXX over 6 different times. This company is violating my right to a fair and accurate report and even reported back to the consumer that my complaint is FRIVOLOUS! This is a real and valid complaint. XXXX has not provided myself or any credit bureau Validation that I owe them ANYTHING. These are not my accounts and the credit bureaus are not investigating these seriously doing a careless job.

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 2019-08-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
I deposited 2 checks for the payment of a sofa and a pair of boots. I deposited the first one on XX/XX/2019 for {$1900.00} and the second on XX/XX/2019 for {$1800.00}. I was sent extra money to pay " movers '' to come on behalf of the buyer to pick the items up. Once Capital One cleared the checks, I waited until the funds were fully available and they emailed me saying it was okay to rip the checks because they had gone through. I then proceeded to pay the movers and was called shortly after to inform me that they were fake. The bank then took the money away meaning that the XXXX payments I made using the money from the checks was replaced with MY OWN MONEY ALREADY EXISTING IN MY ACCOUNT. I proceeded to put 2 claims on both XXXX transfers as I would not have touched the money from the checks, had the bank not failed to clear them. I was told numerous times by Capital One representatives on the phone that the first XXXX transfer had already gone through but that the second one was pending still and that the money had not reached the recipient. I now know that both recipients were fraudulent and given that my own personal money replaced the checks funds in the XXXX transfer, I am entitled to getting my money back. Numerous bank representatives told me on the phone and in person in the XXXX XXXX branch that since I had my own money in the account, I was entitled to get it back as what I am arguing is that the bank wrongly cleared checks and told me to proceed to use the funds and then refused to help me get my own money back once they reversed their checks and sent my own money in the XXXX transfers. I did not authorize my own money to be sent, I authorized the check 's funds to be sent which the bank cleared and SHOULD NOT HAVE. Please help me get my money back. The conversations with the bank are all recorded and all the evidence of their wrong doing is there. I was already told in a previous complaint that they were trying to get the money from one complaint back and after they kicked me out of the bank, froze my account and left me penniless for almost 3 months, they have failed to help me get out of a problem that they got me in the first place.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
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:
The credit card for this account has been paid in full and closed, yet the credit card company has yet to remove this item from my credit report, therefore effecting my credit rating. This negative item is also preventing me from being able to become a first time home owner. 

The account was opened on XX/XX/XXXX and paid and closed on XX/XX/XXXX. The amount of time that has passed, it should have been permanently removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I, XXXX XXXX am a victim of identity theft, There are fraudulent accounts on my credit profile that need to be removed immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/2020 ( all 3 bureaus ) 60 days late as of XX/XX/2020 ( all 3 bureaus ) My accounts are set up on automatic withdraw. I believe I made my payment to you when I received my statements.

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 2023-01-10
Company: CREDIT ACCEPTANCE CORPORATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
XXXX XXXX XXXX  case was closed XX/XX/XXXX. XXXX XXXX XXXX  sent a written notice that all accounts were paid in full. Info on XXXX XXXX XXXX shows that Credit Acceptance Corporation balance is paid in full - principal and interest, however ; Credit Acceptance Corporation states that {$8000.00} is owed despite what the XXXX XXXX XXXX says, what National Data Center shows, and my credit report. On XX/XX/XXXX of XXXX, I called Credit Acceptance Corporation twice, and asked to be emailed copies of the contract signed and detailed info on how {$8000.00} is still owed. The first rep stated that {$8000.00} is owed and claims he sent the requested email. The 2nd rep, stated that {$6000.00} is owed and claims he sent the requested email. I have yet to receive the information I requested from them. They did not send any copies which is a violation of the Truth in Lending Act.

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 2020-05-05
Company: Navient Solutions, LLC.
State: NY
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
They were contacted and told of my XXXX. I am in the process of submitting paperwork yet they call incessantly. Ive reminded them multiple times that I have a deferment and my daughter that the loan was for has all her loans in deferment and that Im working on the application for forbearance. I have also specifically asked them to stop calling and threatened contacting you and the attorney general. I receive at last 3 calls a day, most before XXXX or around XXXX. Today I received one at XXXX on the nose. My daughter picked up and told them she used to work for compliance for debt collections and that calling that early and late, that incessantly and after they were told to stop is illegal and that we would be contacting you she was hung up on.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
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:
All three reporting agencies I have submitted disputes with. They either dont do nothing or the actual dates and info gets changed. Or they wont remove items. When I know they have been altered. And they have removed items and then XXXX weeks later they add them back on and I have disputed that as well. But overall they dont do justice as in fixing or deleting anything

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 2018-03-15
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I am a XXXX XXXX veteran who after refinancing proceedings with Wells Fargo Bank took place, paid a XXXX County of Maryland state and county tax bill. I should note that I am a first time home owner. The bill arrived XX/XX/XXXX for the period of XX/XX/XXXX to XX/XX/XXXX. The amount paid in full came to {$440.00}. I have an escrow account with my mortgage through Wells Fargo but my bank is XXXX XXXX  of Maryland. The amount was paid to XXXX County Maryland on XX/XX/XXXX and I have my bank statement copy for proof. Since there is no system in place to not have bills be mailed out for existing escrowed account mortgage holders, I've tried on numerous attempts to get my refund from Wells Fargo Bank ( Mortgage and Escrow Division ). I have gotten nothing but a run around and been told that the amount would be refunded. My last attempt yielded nothing after communication with a Wells Fargo Manager whom I faxed my copies of the tax bill and my bank statement to after their fax number was given to me. I have also tried contacting a XXXX XXXX XXXX ( Director of the Office of Budget and Finance for XXXX County ) concerning possible resolutions of escrow situations and bills mailed to taxpayers. It has been since XX/XX/XXXX that Wells Fargo Bank has faulted on my refund with one excuse after another. Please investigate and I will await your response to this dilemma. Thank you

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 2017-11-17
Company: EQUIFAX, INC.
State: IN
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:
REFER TO COMLIANT XXXX, TILA VIOATIONS, FCBA, FDCPA, T.C.P.A, FCRA AND OTHER STATE CONSUMER LAW INFRACTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15
Company: LendingPoint Holdings LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On or about XX/XX/2018, I was alerted by XXXX  Credit Bureau that I had a collection debt in the amount of {$13000.00}. This collection debt was reported by XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
TransUnion is reporting MULTIPLE hard inquiries on my credit report. XX/XX/2018, i sent a letter to the credit bureau asking them to promptly remove these inquires because they are unauthorized, i have gotten no response. I stated that i contacted and sent letters out to the companies who are reporting this fraudulent activity on my report and no response from them as well & still no help from TransUnion. Here are the 25+ Fraudulent inquires that are reporting on my report that i DEMAND removal of : 1. XXXX ( TWICE ) 2. XXXX XXXX 3. XXXX  XXXX 4. XXXX  5. XXXX XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX  XXXX XXXX 8. XXXX XXXX XXXX 9.XXXX  XXXX XXXX 10. XXXX XXXX XXXX 11. XXXX XXXX XXXX XXXX 12. XXXX XXXX  XXXX 13. XXXX XXXX XXXX 14. XXXX 15. XXXX XXXX XXXX 16. XXXX XXXX XXXX 17. XXXX XXXX XXXX 18. 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 2020-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
refer to cfpb compliant XXXX. 

My compliant is this credit bureaus has not complied with fcra guidelines and provided me proof of their investigation. 

This credit bureau has not furnished to me in writing the proof of the investigation of my complaint filed back in XX/XX/XXXX with in 30 days on the inaccurate reporting of 3 different bankruptcies inaccurately listed on my credit file. 

This credit bureau is in violation of FCRA for non compliance of inaccurate data furnished on my credit file and not providing me proof ( i.e. signed petition of bankruptcy ) XXXX  not reporting correctly and I need the Proof! 

XXXX  vs. Transunion XXXX and FCRA and Congress says the Burden of Proof is on the credit reporting agencies.

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 2023-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This is a request to verify the documents used to publish these account to my credit report. The FCA requires that specific documents be provided to the credit bureaus in order to publish item on a persons credit report. This is a official request to produce the documents used in order to do that. The original wet signature must be included. Please forward all document to my address listed.

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 2018-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have XXXX credit cards counts that should show paid to XXXX one of them is closed the other is still open.

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 2020-05-01
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: Information belongs to someone else

Complaint:
I recently tried to rent an apartment and got declined due to someone using my name and information! The following accounts are fraudulent : 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. I have filed a report with the XXXX Police Dept and a complaint with the CFPB.

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 2018-03-15
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I am a cosigner on my sons student loans. The interest and balance keep going up. Navient is hard to deal with, get information from as well as any negotiations. How can a balance keep going up after paying for 10 years? It is impossible to repay. They were never forthcoming, made us believe this could actually be paid off. Very predatory, basically a scam. There needs to be some recourse for all the students who got stuck during this time period of 2008 till present. 
The mortgage company 's that did this had to make good why isn't this company held responsible?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: EQUIFAX, INC.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
On XX/XX/XXXX, I went to The XXXX XXXX store located in XXXX XXXX in XXXX XXXX XXXX, FL to buy 3 brushes and a shower cap. When I approached the register to pay for the items the store manager asked if I wanted to join their reward programs for discounts and I said to her sure, I just want to make sure that it is not a credit card and she replied : No, this is not a credit card, this is just a reward program I noticed that she asked for my drivers license but I didnt think it was a red flag because I thought that she needed it in order to have me join the reward program. Later about 2 weeks later I received a XXXX credit card in the mail, and I was furious! I called the bank, and they didnt know how to help me. I proceeded to call XXXX XXXX  corporate Office : XXXX and they created a case number:XXXX and apologized for what the employee did. I just reported the fraud to Equifax, and they need a report from FTC/ CFPB. I only own 2 credit cards : the XXXX card for my business and an extension of my husbands XXXX XXXX XXXX Credit Card. Therefore, I am not used to applying for Credit Cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
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: Their investigation did not fix an error on your report

Complaint:
XXXXXXXX XXXX is reporting that this card is mine, and I have never filled out an application for this card. I was added as an authorized user but I was asked to be removed XX/XX/2022 by the account owner. After several disputes XXXX and Equifax have failed to provide XXXX XXXX from XXXX 's verifying that I am the actual account holder

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: Experian Information Solutions Inc.
State: GA
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:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, and XXXX XXXX XXXX Account # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

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 2018-03-15
Company: CITIBANK, N.A.
State: NM
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 I was overcharged on my Visa card by the XXXX XXXX for a TV they claim I broke. The TV was not functioning well as we were trying to view it hence it was already broken but the motel manager tried to blame it on me and charged me for a total of {$300.00}. I then disputed this charge with the Best Buy Visa card sponsored by Citibank and after waiting two months for a resolution they told me I was responsible for these charges. the only supporting documentation they sent me was a copy of my registration invoice for XXXX XXXX  on XX/XX/XXXX and a copy of the detailed Folio from XXXX XXXX  of the broken TV charges. This seems wholly inadequate documentation on the part of my credit card company, it appears no real investigation of the charges were pursued. I never was informed of these charges by the motel and although they claimed that they sent me documentation of the repairs, I never received such by certified mail or any sort of mail.

My credit card company was made aware of this and apparently made no attempt to adequately dispute these charges on my behalf.

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 2021-09-21
Company: OneMain Finance Corporation
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: Investigation took more than 30 days

Complaint:
I have requested that some accounts on my consumer report be investigated. I sent letters to the three major credit reporting agencies requesting these accounts be investigated and the investigation took well over 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In XXXX an automatic payment was changed but continued to be drafted from the other account so payment was declined. I did make an automatic payment online. I called Carrington in XXXX during the grace period because I was no longer able to access the online payment portal. They informed me due to the returned payment I could no longer submit the payments online and they were not sure at that time if the automatic draft would be processed. One person I talked to said it was no longer active, someone else said it might still come out. I had no way to access this online to confirm it. The payment did automatically draft in XXXX. I called again and they assured me automatic draft is no longer active and said I must use certified funds such as cashiers check money order or XXXXXXXX XXXX. My bank sent a bill pay check but the check was returned and the auto draft still came out of the bank. In XXXX the bank check was returned and my mortgage is now late because they dont consider a bill pay check directly from the bank certified funds. So basically the only payment they are accepting is ones with additional fees attached. It is my opinion because they are considered a debt collecter that they are deliberately hindering my ability to make timely payments.

Company response to consumer: Closed with explanation