BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I received a pre approval letter fromn Capital One to apply for a Spark Business Card. on XX/XX/XXXX. I applied online and instatly approved for {$5000.00} for my XXXX. on the same day i was asked to proved for a document that shows my social security number as well govenment issued ID which i provided. Capital one pulled my my credit score/history on XX/XX/XXXX. on XX/XX/XXXX, i received a letter saying that my application denied due to incompleter information or can not be verified. I called the number provided on the letter and spoke with XXXX initially and then XXXX ( supervisor ). they said that my application denied since they could not verify who I was. I told them that i provided my ID, SSN and a Letter from IRS showing my LLC information, plus you guys pulled my credit score on XX/XX/XXXX so i was not sure what else they need and i asked for them to let me know what else i need to privide. Their response was that they already decided before receiving full information and unable to reverse the decision but they would be happy approve if i re-apply. I submitted all requested document for verification on XX/XX/XXXX and the deadline to submit is XX/XX/XXXX so I am not sure why They decided to reject my application. Both representative seem to not be honest about the situation and could not be able to discuss further. I told them that the process to repply is easy but it will affect my credit score since there a hard credit inquiry with every application. both staff said, they are not familiar with how credit inquiry works and could not help me further.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: ENCORE CAPITAL GROUP INC.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20
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: Investigation took more than 30 days

Complaint:
Our mortgage has been with XXXX for a very long time. The mortgage payment has been fixed at {$4500.00}. All my payments have been on AutoPay from my XXXX XXXX XXXX account and have always been sent to them via check. Then XXXX changed the loan amount due to the inbounds ( taxes or insurance changed ) and didn't properly notified us. They claim that they send a letter informing about the change, but both I and my husband were out of XXXX XXXX for few months due to business travel and didnt receive the letters. No one attempted to give us a call to tell us about the change. When we came back I received a returned check with a letter that the amount we sent to XXXX was lower than the payment amount and they could not apply the partial amount to our mortgage. In addition, they did apply lower amounts for several months before that and just send us a separate letter asking for additional payments. As a result, XXXX returned the check and reported 30 day late for XX/XX/2019. After I found out about what happened, I immediately paid XXXX and XXXX balances in full and switched to the autopay on XXXX to prevent this situation from happening in the future. I asked XXXX to correct the late payment on my credit report via goodwill adjustment, since it wasn't my fault and I've always made all my payments on time not only with them, but also with other banks and credit companies. However XXXX completely refused to cooperate and remove the late payment from my and my husband 's credit report. We're asking you to help and resolve this situation.

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 2020-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 having trouble getting approved for the type of credit that my file deems me worthy of. I am going to provide the proper information which will allow you to verify and identify the erroneous information that is appearing on my reports. I recently found that i was a part of the breach of 2017 which crippled me. 
My File number with Trans-Union is : XXXX. 
I have also filed a report with the FTC which I have included in this complaint. 
FTC Report # XXXX. 
Here are the accounts that are that are showing ; Account Name : XXXX XXXX XXXX Account Number:XXXX Balance : {$2500.00} Account Name : XXXX XXXX XXXX Account Number:XXXX Balance : {$1400.00} Account Name : XXXX XXXX Account Number:XXXX  High Balance : {$2500.00} Account Name : XXXX XXXX Account Number:XXXX Balance : {$1400.00} Unauthorized Inquiry 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 2023-09-02
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am writing to urgently seek the Consumer Financial Protection Bureau 's intervention concerning severe discrepancies in my credit report, which have gravely impacted my financial well-being and threaten the stability of my family. 

Background : I have identified inaccurate and potentially fraudulent reporting by certain creditors in collaboration with credit bureaus XXXX and Equifax. Despite presenting substantial evidence of these discrepancies, the negative accounts persist on my credit report, obstructing my ability to secure a home loan at a pivotal rate. 

Please see the attached supporting documents for all details relating to matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/2022 XX/XX/2022 XX/XX/2022, XX/XX/2022, XX/XX/2022, and XX/XX/202XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I was was a victim of identity theft. I have sent USPS certified mail with return receipt requested evidence sent back to me showing that this information below and attached was received by experian. XXXX XXXX XXXX XXXX XXXX is a fraudulent account. I filed a complaint with the FTC attached and the attorney general of Georgia where the fraudulent credit account company has corporate headquarters. Experian has been provided all of this information I have called them I have put a fraud alert on my account that I had to pay for after they refused to specifically put a fraud alert statement on the trade line for National credit systems directly. They then requested that I provide them a police report which I do not have to provide them only the FTC complaint because the issue has spanned several states. I have found a previous identity theft complaint with the FTC for a similar issue in another state last year. Experian sends me in circles they asked me for documentation multiple times that I have sent they asked me for proof of identity which I have sent multiple times and uploaded into their system and the simple fact that I'm a victim of identity theft doesn't make me feel comfortable to contact their fraud department when it is just a call center and continue to send information that they say they don't get. Are they part of the fraudulent activity and my data breach? I have to ask myself this when they keep losing all of my information that I upload into their system and I mail certified mail that they send me back a card and stated it was received and signed off on. I have reason to believe that Experian maybe the root cause of my data breach. They send me from person to person at their company they constantly hang up on me and do not resolve the issue and they do not respond to CFPB. complaints and I do not respond to any of my information that I have mailed them which I have also attached. They were also sent a C & D. 

All of the attach documents along with a copy of the front and back of my identification and a consumer energy bill and a copy of the trade line on my credit report and a copy of all of the different information that I have supporting the FTC 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 2022-09-06
Company: Credit Karma, LLC
State: ME
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:
I use the credit karma app and they have told me that I have been approved for a loan or credit card and that it would go on my credit report for just a soft read of my credit report. That was a lie I have so many hard inquiries now that my XXXX XXXX tanked. Any advice will help thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: ENCORE CAPITAL GROUP INC.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/2021 I received a call from a person ( family member ) I know telling me to call MCM Midland Credit Management. credit and she stated that I owe them {$890.00} on an XXXX credit card. she left 2 telephone number to call back. I contacted Midland a man answer and told me that he didn't call but the lady was not available/ her line was busy. She called back I told her she violated Federal laws, by calling a family memeber and dicussing possible information pertaining to me. She got angry and loud with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28
Company: CORELOGIC INC
State: IL
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:
Unauthorized inquiry/ inquiries.

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 2022-09-06
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: Investigation took more than 30 days

Complaint:
I wrote a letter to TransUnion on XXXX about my consumer credit report. I requested an updated version of my consumer credit report ( Violation # XXXX ) I still haven't received till this day. I asked them who is XXXX XXXX? When was this name added to my consumer credit report? Who authorized the name change? ( Violation # XXXX ) My questions went unanswered. I asked them why don't I have a XXXX XXXX? My question still went unanswered. On XXXX, I requested a {$500.00} loan from my XXXX XXXX XXXX XXXX XXXX. I was denied. I requested a {$250.00} loan from my bank and I was denied again. I received XXXX statements of credit denial due to the fact that my bank based their decisions from TransUnion Credit Reporting Agency. On XXXX I applied for XXXX XXXX XXXX and received a denial letter based on the inaccurate TransUnion consumer credit report. I have more denial letters from my past. On XXXX, I finally received a letter from TransUnion dated XXXX file # XXXX in reference to my letter dated XXXX and all it contained was RE : unable to locate credit report dispute request. ( Violation # XXXX ) It took them more than XXXX  days to investigate and respond on my account. They also completely ignored all of my request.

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 2018-07-18
Company: Navient Solutions, LLC.
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: Account information incorrect

Complaint:
My loans were in forbearance until the month of XX/XX/XXXX. In XX/XX/XXXX however I took 2 summer classes which should have put my loans in a deferment status. Navient has not reported since XX/XX/XXXX the correct status thus a 40 point drop in my credit score. When I called them they said its now in deferment as of XX/XX/XXXX and will reflect on my future report however I will not be able to get those points back. They stated the information was delayed but on their part in updating me being in school.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21
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: Account status incorrect

Complaint:
i FILED A COMPLIANT WITH cfpb AGAINST XXXX XXXX XXXX because they reported a payment late on an auto lease when it was not The account in question was with XXXX XXXX XXXX XXXX I got an apolgy from XXXX and a promise to correct the status XXXX and XXXX subsequently corrected my report ... Trans Union did not I have disputed with TU 3 times ... spoken on the phone with TU for hours and still my report shows this account as 30 days late for the XX/XX/XXXX payment which is absurd because i never made a payment in XX/XX/XXXX XX/XX/XXXX or XX/XX/XXXX because the car was turned in early I received a final bill and it was paid by the XX/XX/XXXX due date I don't know what it is going to take to get TU to fix my credit report. I am at my wits end with them and hopeful that the CFPB may get some action.

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 2021-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
I want to report the misuse of my PERSONAL INFORMATION. I did not give consent to the credit bureaus to report a bankruptcy on my credit report. By law this information is considered private and I want this information removed. The bankruptcy reference number is XXXX. The credit bureaus ( XXXX, XXXX, and transunion ) are reporting this information without consent. 
Please reference the XXXX law 15 US code 1681 a, 4 : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

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 2023-09-02
Company: M&T BANK CORPORATION
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-issue: An existing modification, forbearance plan, short sale, or other loss mitigation relief

Complaint:
I have applied and received assistance to bring my mortgage current. After my forbearance period I advised M & T that I applied for New York State Homeowners Assistance Fund. My account was approved and the balance has been Paid. However M & Ts single point of contact team keeps calling saying its an attempt to collect a debt and stating they have to go over options with me. I advise the representative that I am current and she confirmed that she see this information. She said well how are you going to pay for XX/XX/2023, has your income changed will you need to explore other options like a short sale. I was very upset and felt that M & T is harassing me and integrating me. I immediately call my non fee attorney and she suggested that I do this because they have a history of wrongfully calling and harassing clients.

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 2023-09-02
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
XXXX equifax is not reporting all of my accounts witch my creditors are reporting to them monthly

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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: Problem canceling credit monitoring or identify theft protection service

Complaint:
I logged onto Transunion to check my credit score. It required a credit card number, which I assumed was necessary to verify my account. I checked my score and then was surprised to receive an email stating that I had subscribed to a service for {$29.00} a month. When I went back on the site to see how this had happened, I noticed that there was a mention at the very bottom of the screen about the subscription service -- but at NO POINT during the process of submitting my credit report request was the fee or the fact that it was a subscription EVER mentioned again. This is the definition of an abusive and deceptive practice. They HID the fact that I was committing to spend {$360.00} a year for a service that is supposed to be available to me for FREE a minimum of once a year. Their web site provided no clues as to how to obtain the FREE credit report -- instead it steered me to a paid subscription. I was able to get this charge reversed, but I am livid. This is truly a misleading, deceptive and abusive practice and it should be stopped.

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 2023-10-12
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have a Bankruptcy on my credit file tact is more than two years old. The Bankruptcy in question is listed on the credit bureaus website as Discharged. My case was discharged and closed at the same time. I have certified court documents stating that the estate was closed. I asked the credit bureaus to update the information they have listed on my bankruptcy status from discharged to closed. I included copies of the court documents in my request. Transition and Experian investigated my request for weeks and still took no action in updating the status of my bankruptcy listing. They sent letters to me explaining that after their investigation the actual bankruptcy is valid, and completely ignoring the fact stated in the certified court document and by my request that the listing of the bankruptcy be updated to closed.

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 2019-12-01
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account of {$16000.00}, {$4100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Landing Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$16000.00} -This is not my account. 

XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4100.00} -This is not my account.

Company response to consumer: Closed with explanation