BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ATTENTIVELY REVIEW my format writ composed DECLARATION of Not Proven Compliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT XXXX XXXX data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA CDIA XXXX  to COMPLAINT reporting. FEDERAL laws dictate that any and all derogatory or potentially injured reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACts ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now. Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. 
I would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership responsibility allegation of a derogatory item that i see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report i have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA, compliant, XXXX XXXX compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : The following allegation require immediate deletion, do so now and here!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I'm am recent Victim of three online scams containing financial fraud and identity theft. 
I want to place a fraud alert and security and or credit alert and freeze on all three credit files in my name with the three 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 non-monetary relief
Consumer complaint received 2020-12-03
Company: CITIBANK, N.A.
State: ID
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: Card was charged for something you did not purchase with the card

Complaint:
I agreed to pay shipping charges only for free samples of facial cream and gave the company my credit card number. I received the sample and didn't order any more of the product as it was not something I wanted. Beginning XX/XX/2020 and XX/XX/2020 I was billed on my Citicard the amount of {$94.00} from XXXX and {$97.00} from XXXX. I immediately contacted my credit card company and contested the charges with the promise that it would be investigated and to not pay the charges. The following month on my XXXX bill, I received the charges of {$99.00} from the XXXX and {$100.00} from XXXX. I tried calling both companies both months and received no answer.I also contacted the credit card company and spoke at length with them once again. In between these, my account was closed and another opened. The bank had sent the closed account to collection and I spoke with them, also was told not to pay the contested amount. At this point my protest has been denied by the Citibank and I was told I must pay the full amount plus interest and late charges. Case closed by the credit company. I did receive a second shipment of the facial cream and returned it immediately and was told my account was closed. The CitiBank is now threatening to report me to the credit reporting companies and therefore wreck my credit rating. XXXX, XXXX XXXX XXXX and XXXX  XXXX I have NO product what so ever for any of these expenses being charged. Not only have I been charged for items I did not order but the credit caard company will not support me in this matter,.

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 2022-09-04
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:
I, XXXX XXXX, am filing this Complaint because I previously disputed 2 in accurate accounts showing on my Credit Profile, XXXX XXXX XXXX # # # # # XXXX & XXXX XXXX XXXX # # # # # XXXX on XX/XX/2022. I made XXXX, Equifax XXXX XXXX aware that these accounts are inaccurate and I demand to have these accounts removed immediately. Per Fair Credit Reporting Act anything thats showing on a consumer report must be 100 % Accurate, 100 % Complete, and 100 % Verifiable. Therefore, these accounts arent showing as such so I demand to have these accounts removed. XXXX, Equifax XXXX XXXX keep sending me verified responses without any further proof. Please Delete these Accounts, XXXX XXXX XXXX # # # # # XXXX & XXXX XXXX XXXX # # # # # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I, XXXX XXXX, am filing this Complaint because I previously disputed 2 in accurate accounts showing on my Credit Profile, XXXX XXXX XXXX # # # # # XXXX & XXXX XXXX XXXX # # # # # XXXX on XX/XX/2022. I made Transunion, XXXX XXXX XXXX aware that these accounts are inaccurate and I demand to have these accounts removed immediately. Per Fair Credit Reporting Act anything thats showing on a consumer report must be 100 % Accurate, 100 % Complete, and 100 % Verifiable. Therefore, these accounts arent showing as such so I demand to have these accounts removed. Transunion, XXXX XXXX XXXX keep sending me verified responses without any further proof. Please Delete these Accounts, 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 non-monetary relief
Consumer complaint received 2019-03-27
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: Public record information inaccurate

Complaint:
I RECENTLY PULLED A CREDIT REPORT AND NOTICED SEVERAL ITEMS THAT DID NOT BELONG TO ME. THERE WAS A XXXX ACCOUNT(XXXXXXXXX) WITH A BALANCE OF $XXXX, XXXX(XXXXXXXXXXX), XXXX XXXX   (XXXXXXXXXX), A BANKRUPTCY (ref # XXXXsb/COURT: Us bkpt ct ca la),I HAVE NEVER FILED FOR BANKRUPTCY NOT SURE HOW THIS INFORMATION BECAME ATTACHED TO MY FILE BUT IT IS WRONG. THOSE OTHER ITEMS LISTED ARE ON MY REPORT AS A RESULT OF ID THEFT SO I AM ASSUMING THIS BANKRUPTCY IS A PART OF ALL THAT.

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 2022-09-04
Company: PENTAGON FEDERAL CREDIT UNION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Hello, I have been disputing this for years now. I'm requesting something with my signature on it. Every time I ask for something, they send me an old credit card statement. I would like to put this on record that this should not be on my credit report and it is causing lots of damaging. I was advised to make this clear for when I seek help. THEY are not showing me how to are proving this account is mine.

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 2022-08-09
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$890.00}

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 explanation
Consumer complaint received 2022-09-04
Company: CITIBANK, N.A.
State: WI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Opened account with Citibank ATM card XX/XX/2022. Deposited {$10000.00} into said account. Was suppose receive bonus after 120 days. Have companied to them but have received no satisfaction.

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 2021-07-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
This is a formal complaint against Capital One located in XXXX, VA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, Capital One has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: Santander Consumer USA Holdings Inc.
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/XXXX I applied for a auto loan through XXXX XXXX of XXXX. On XX/XX/XXXX after taking possession of the car I realized that the dealer lied on documents saying I only made half of what I actually make monthly. They stated that i have a monthly income of XXXX dollars monthly when I in fact make choose to XXXX dollars a month. Santander XXXX XXXX is who agreed to finance the loan. With a APR of 24.07 % at 75 months for a XXXX XXXX XXXX XXXX with a sticker price of XXXX, I'll have paid an additional {$24000.00} for this car over the life of the loan. More than 2 times the actual value or asking price. I contacted Santander on XX/XX/XXXX to use what my options were as far as a cooling off period to possibly return the car without a penalty to my credit. At that time they claimed to have 0 record of me, my account or my vehicle. Santander just recently settled for some odd XXXX XXXX dollars for providing predatory auto loans so this seems to be a common practice of theirs

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Good Day, I am reaching out for your help due to my bad experience I sent an reinvestigation requests regarding my credit report over six weeks ago and I have not received any reply. I have will upload the actual reports of all the discrepancies showing of accounts being late and wrong information on my profile by way of certified mail. To date, my file as been placed in archive and am ignored by XXXX. I must assume that it is flagged as " suspicious ''. i NEED ALSO A HARD COPY OF REPORT MAILED TO ME WITH ALL THE SHOWING THE UPDATED STATUS OF PAID AS AGREED. NO PROOF WAS SENT OVER 45 DAYS.

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 2018-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
There has been several errors on my credit file and According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify the accuracy of accounts listed. I have complained about this issue before on previous accounts. Please remove all non-account holding inquiries over 30 days old.XXXX, XXXX XXXX, XXXX, XXXX XXXXXXXX. Please add a Promotional Suppression to my credit file. There is a bankruptcy account that is not accurate on my file Please delete it is in error. This account is in error please delete 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 2020-12-03
Company: American Student Assistance
State: MA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hi XXXX XXXX XXXX / ASA ; How are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 

Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
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:
Per the FCRA the credit bureaus are to ensure that only accurate information is reported on my report. The following accounts have been listed on my report without my written consent and per section 15 USC 1681, I do not allow for these accounts to be published on my report. These accounts have also never been verified as accounts that even belong to me, due to these facts the following accounts are inaccurate and need to be removed from all my reports immediately. The accounts to removed are as follows : XXXX XXXX XXXX XXXXXXXX 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 2018-05-19
Company: Waypoint Resource Group, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was just notified by my credit monitoring service that a new collection account was added to my credit files. I have never received any communication from this company notifying me of any alleged debt. This behavior is a clear violation of both the Fair Debt Collection Practice Act and the Fair Credit Reporting Act. I have since submitted a certified letter requesting debt validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/2023 I contacted Truist Customer Service with regards to a promotional offer I received in mail and email. The promotion offered a {$400.00} bonus for opening a new checking account. The requirements were 1 ) open a new Truist One Checking account, and 2 ) complete at least two qualifying direct deposits, totaling {$1000.00} or more and be made within 90 days of account opening. After confirming my eligibility I went ahead and opened a Truist checking account. 

On XX/XX/XXXX, I contacted Truist Customer Service to ask why I hadn't received the bonus. The customer representative told me that I was eligible and I should have received the bonus. After an hour ( ONE HOUR ) on the phone, the representative told me that I hadn't met criteria # 2. However, my records ( Truist banking statements ) show the following direct deposits : XX/XX/2023 {$1000.00} XX/XX/2023 {$1000.00} XX/XX/2023 {$1000.00} XX/XX/2023 {$1000.00} XX/XX/2023 {$1000.00} XX/XX/2023 {$1000.00} XX/XX/2023 {$1000.00} XX/XX/2023 {$1000.00} After ANOTHER HOUR the representative told that I wasn't qualified because I had another Truist One Checking account. The representative told me they couldn't find the account, and by the way it doesn't appear on my banking statements, doesn't appear to my online portal, and frankly doesn't exist. 

In addition, my account was charged {$3.00} the past four months. And since the account earns no interest, every time I transferred to another bank, they will charge me another {$3.00} fee. 

How remarkably terrible customer experience and poor service.

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 2022-09-04
Company: Experian Information Solutions 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:
I, XXXX XXXX, am filing this Complaint because I previously disputed 2 in accurate accounts showing on my Credit Profile, XXXX XXXX XXXX # # # # # XXXX & XXXX XXXX XXXX # # # # # XXXX on XX/XX/2022. I made XXXX, XXXX XXXX Experian aware that these accounts are inaccurate and I demand to have these accounts removed immediately. Per Fair Credit Reporting Act anything thats showing on a consumer report must be 100 % Accurate, 100 % Complete, and 100 % Verifiable. Therefore, these accounts arent showing as such so I demand to have these accounts removed. XXXX, XXXX & Experian keep sending me verified responses without any further proof. Please Delete these Accounts, 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