BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I am writing today in regards to my account with Capital One account # XXXX. The reason for writing today is in regards to the late payment which is showing on my report in XX/XX/2021, due to Covid I was unable to make the payment in XX/XX/2021. As soon as I was able to, I got my payment made and caught up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-31
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/2021, I reported to Citizens Bank, in XXXX, NY, that it appeared that my checking account had been affected by fraudulent activity. Despite my strong password, somehow, an internet site called " XXXX XXXX XXXX XXXX CA '' seemed to have infiltrated the XXXX website and debited my account. Citizens did eventually credit the account pending an investigation. However, as a result of that fraudulent debit, a recurring bi-weekly transaction that I had scheduled for at least 6 months resulted in an overdraft status. Despite my attempt to credit the account and transfer funds to cover the debit transaction, Citizens Bank has continued to charge my account multiple overdraft fees of {$37.00} and subsequently began charging me " sustained overdraft fees '' of {$30.00}, seemingly every other day. This is so ununscionable, it's mind-boggling. 

This experience is really causing serious hardship for my finances and my mental health. 

I am already being impacted by reduction of income and funds due to COVID-19 which has now been exacerbated by this fraudulent activity that appears to have been caused by lax security systems on the Citizen website.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
They XXXX XXXX is reporting inaccurate information to 3 credit bureaus which negatively impacts mycredit score for a 1 missed payment XX/XX/2014 for {$57.00} in which they never sent a bill or sent it to an incorrect address a mistake on their part-/ this happened their error 4 yrs ago and their mistake should have no bearing on my credit score! I want them to correct their error with all credit bureaus onvolved also when I paid off my balance in 2014 I told them to close my account which they also have not done!! Their services are very poor to say the least!

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 2018-12-20
Company: NAVY FEDERAL CREDIT UNION
State: WI
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 sent all three credit bureaus a certified letter to investigate this Navy federal cu hard inquiry XX/XX/18 and XX/XX/18 from my credit reports. It has been well over 60 days and still not heard from any of the bureau. This violates the FCRA laws that are in place to protect consumers. The bureaus are to report accurate information and respond to disputes in a timely manner. This hard inquiry has caused hardship to me and stress as well as I being denied credit and home loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
Hi & How are you doing? Im little confused how the late payments is reporting on my credit report. Basically, I am requesting this investigation under the authorization of the Fair Credit Reporting Act 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report. 

What I am disputing : The late payments you have reported to the three credit bureaus. 

My basis for this dispute is that this account was always paid in a timely manner, during the months in question, which you have reported as being late.

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 2018-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 sent all three credit bureaus a certified letter to investigate this XXXX XXXX XXXX  hard inquiry XX/XX/18 and XX/XX/18 from my credit reports. It has been well over 60 days and still not heard from any of the bureau. This violates the FCRA laws that are in place to protect consumers. The bureaus are to report accurate information and respond to disputes in a timely manner. This hard inquiry has caused hardship to me and stress as well as I being denied credit and home loans.

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 2018-03-27
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I filed a previous complaint with CFPB a few weeks ago regarding my student loan that was transferred servicers from XXXX to XXXX. I had a loan modification several years ago through XXXX XXXX. My interest rate was reduced to 0 %. When my loan servicer was changed from XXXX to XXXX, my interest rate increased to 1 %. I filed the complain with CFPB, XXXX came back and said that there was an issue and all loans that were at 0 % increased to 1 % but that this issue has since been resolved. They said that my interest rate was back at 0 % and the issue has been resolved but I went on their website just now and my interest rate is still listed as 1 %. In addition, my payment history shows money applied to interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: Experian Information Solutions Inc.
State: IN
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:
XXXX XX/XX/2020 I sent a dispute letter to Experian to review accounts listed on my credit report that are inaccurate. I have yet to receive any correspondance from the credit bureaus regarding this matter. I have called Experian to rectify the situation and I am never able to get through.

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 2018-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 sent all three credit bureaus a certified letter to have this closed account deleted/ removed from my credit reports. This XXXX XXXX account was closed XX/XX/18. I haven't heard anything from them and this violates the FCRA law that States, the bureaus have a responsibility to respond to consumers in a timely manner. This has caused my credit score to decrease and has caused stress and hardship on my family.I am I n the process of shopping for a home loan and have been denied credit.

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 2018-12-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
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 sent all three credit bureaus a certified letter to have this closed account deleted/ removed from my credit reports. This capital one account was closed XX/XX/18. I haven't heard anything from them and this violates the FCRA law that States, the bureaus have a responsibility to respond to consumers in a timely manner. This has caused my credit score to decrease and has caused stress and hardship on my family.I am I n the process of shopping for a home loan and have been denied credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: Experian Information Solutions Inc.
State: TX
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:
I have no idea where these credit inquires come from, I have written the 3 major credit bureaus twice to dispute these inquires, I did not give anyone from these companies permission to run my credit, I don't know how they obtained my personal information but i don't know any of these companies. I have asked Experian, XXXX, and XXXX twice to remove these inquires because I have no idea where they came from

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 2020-05-10
Company: I.C. System, 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:
I have disputed this account and have reached out to the company/creditors MANY time2. s but failed. This account is being reported inaccurately and incorrectly on my credit report.

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 2018-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 sent Transunion a removal letter to remove XXXX XXXX from my credit report dated XX/XX/XXXX After receiving letter from XXXX that they are closing the account & removing item from Credit Bureaus. 
The item is still being reported even after proof was sent to Transunion.

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 2021-05-31
Company: Alpine Credit, Inc
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I disputed this account under identity theft before. It was removed yet now reappears on my XXXX  report. Collections is dated XX/XX/2017 and now has damaged my credit score twice. This is against the Fair Crediting Act laws. I'm also a veteran and utilize the VA system as to avoid medical bills outside their jurisdiction. This is not my account as I also have a police report from XXXX Police Dept in XXXX, CO. Of a women using my personal identifiers after being arrested. She used my previous last name of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to TransUnion was XXXX XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XXXX XXXX  XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2400.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$640.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$540.00} XXXX  XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$640.00} XXXX  XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$740.00} XXXX  XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$470.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$660.00}

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 2021-05-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I had a Capital One Bank Credit Card which I closed out in XXXX of XXXX. There is a credit balance on the card Of {$54.00} I was told would be mailed to me in the form of a check. It has now been almost six months and Capital One has refused to send me the balance claiming there is a restriction on my closed credit card account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
On XX/XX/XXXX and on XX/XX/XXXX I submitted two separate applications for a credit card because an affiliate said I had good to excellent chances for being approved ( XXXX XXXX, XXXX  XXXX XXXX XXXX ). I have not missed any payment since XXXX and I have also resolved 2 accounts that were sent to collections in XXXX. My XXXX  report shows that the XXXX  account that was settled in XXXX and was transferred to XXXX. XXXX   shows that had been satisfied and closed ; However, my XXXX  report shows the account in delinquency and does not show the servicing transfer to XXXX  where I paid the account in full. The credit analyst did not even bother to see the discrepancies on my report. 

Additionally, AMEX stated the reason for denial was : 1 ) Too many credit card accounts on which, in our estimation, you have not paid a majority of the balance in recent months. ( XXXX  ) This is completely a lie, if you look at my XXXX  Report it shows that not a single student loan or active credit card has been payment late. I have been making my payments on time since XXXX.

2 ) The maximum utilization on your credit card account ( s ) is too high ( XXXX  ).

Too high? I pay off my credit card bills every month on their due date. Are you serious? Currently, I am using 20 % of my utilization XXXX $ XXXX out of & XXXX ) XXXX ) You have a serious delinquency on one or more of your accounts. 

I have a 100 % payment history since XXXX. Are you serious? I dont have a single account in delinquency.

4 ) The ratio of revolving account balances to their credit limits is too high.

My ratio is 20 % and is going down every month. What are you talking about?!? 

DO BETTER AND FIX THIS!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-06
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:
Ive sent numerous letters asking the credit bureaus to verify the accuracy of several accounts, these letters was sent as dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I asked them to send proof of their verification ( i.e. Original Signed Documents with my signature ), as well as Accuracy as to who owns the account. Experian is reporting the account as XXXX XXXX XXXX XXXX   XXXX XXXX is reporting the same account XXXX under a different name with different amounts, payments made, terms. Therefore Experian nor XXXX truely investigated, verified, and or validate any account I disputed but stated they did. Due to there negligiance it has hurt opportunities for employment housing and credit.

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 2018-12-20
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX  incorrectly calculated my impound account required contributions then sold my mortgage to ShellPoint. During the transfer, ShellPoint entered the wrong SSN in their records for my account. ShellPoint also sent the notice and customer welcome package to the wrong address. 
I asked XXXX XXXX  where to send payments, they started they sold my mortgage to ShellPoint. But XXXX didn't have my new account number nor the information to send payments. 
I was able to find a website with Shell Point 's contact information. When I called, the automated attendant required my loan number and social to proceed. After several attempts, I was able to talk to a person, who refused to help, since my SSN didn't match their records. After several more attempts I was able to speak with a supervisior who gave me my loan number, payment, and payment address after I verified my identity via alternative means. They were able to fix my mailing address on my load record, wouldn't fix my SSN. They gave me a fax number to send my identity documents, which turned out to not be a valid number. 
I called back, they have another number, I have faxed Shell Point several times over a the past four months with no response. 
In addition, I am still making nearly double the payment I should be, since the impound issue hasn't resolved. 
My payments should be closer to {$1800.00} per month, but I've been billed approximately {$3500.00} a month by ShellPoint.

I feel ShellPoint is trying to steal my home by making nearly impossible to make payments by inflating my payments and making difficult to contact them and resolve their poor record keeping.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31
Company: AMERICAN EXPRESS COMPANY
State: MI
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:
My spouse tried to use the refer a friend link I shared with her to open a new account. Upon opening of this account, I was promised 7,500 Delta SkyMiles. The link was not working properly. We contacted the bank and were told to " delete our cookies and refresh the webpage and reapply ''. We follow these instruction, however the Skymiles were never awarded as promised. I have reached out to the card company many times, however, they are unwilling to resolve this problem and deny any errors on their end. At the end of the day, you have a customer who opened a new credit card, and then several weeks later, his spouse opened a new credit card and these folks refuse to add about {$75.00} worth of airmiles to my account. This company is worth billions and they can't resolve this simple dispute and take no ownership. We did what we were told to do. We deleted the cookies and refreshed the webpage and reapplied for a line of credit and these points should have posted to my account as promised. They got what they wanted - a new customer ... But I didn't get what they promised - 7,500 Delta SkyMiles.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20
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:
THESE ACCOUNTS AND ADRESSES DOES NOT BELONG TO ME

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21
Company: EQUIFAX, INC.
State: OK
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:
My loan payments were always sent on time. I keep explaining this to Equifax but they keep on saying that the accounts are accurately reported and they have verified it. The accounts were not reported correctly and I would like it fixed. Please CFPB step up and correct the status because I was never late on my XXXX XXXX XXXX.

Company response to consumer: Closed with explanation