BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-23
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Information is missing that should be on the report

Complaint:
I reached out to capital one. Upon their review they acknowledged receiving about {$11000.00} in payment from XXXX. However, they continue to show this account as open charge off. This account was an accepted payment due to the vehicle being worth only {$12000.00} at the time it was totaled. The company continue to report incorrect information. If an account was paid off over 90, should it not reflect this amount based on the Fair credit reporting act?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: Experian Information Solutions Inc.
State: AL
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, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose

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 2022-04-28
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
HARD INQUIRIES THAT WAS RAN BY XXXX XXXX XXXX XXXX XXXX  DE XXXX ON XXXX XXXX XXXX FOR A CREDIT CARD WITH XXXX  MONTHS REPAYMENT TERMS WITH A DURATION SCHEDULED TO CONTINUE ON RECORD UNTIL XXXX XXXX WITHOUT MY KNOWLEDGE OR CONSENT.
  HARD INQUIRIES THAT WERE MADE BY XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXX  ON XXXX XXXX XXXX REASON UNSPECIFIED SCHEDULED TO CONTINUE ON RECORD UNTIL XXXX XXXX  WITHOUT MY KNOWLEDGE OR CONSENT.

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 2020-10-08
Company: ALLIANT CREDIT UNION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information.

3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the  Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. 
I respectfully request each investigation to be reported to XXXX, XXXX  and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: Chime Financial Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I had fraud on my account, contacted bank on XXXX XXXX XXXX about problem, they determined on XXXX XXXX that no error accrued. Try and try to contact but they ignore me and wont do anything about this problem

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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  account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX  XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX account # XXXX, 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 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a 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 non-monetary relief
Consumer complaint received 2020-02-23
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: Information is missing that should be on the report

Complaint:
I reached out to XXXX  XXXX. Upon their review they acknowledged receiving about {$11000.00} in payment from XXXX. However, they continue to show this account as open charge off. This account was an accepted payment due to the vehicle being worth only {$12000.00} at the time it was totaled. The company continue to report incorrect information. If an account was paid off over 90,  should it not reflect this amount based on the Fair credit reporting 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 2022-04-28
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Document submission is my blank credit report I have attempted to get my Experian report which is constantly denied using I have upgraded to view my credit report. It wont allow me to dispute not at anytime does expieran allow me to view a report on line ever. 
My report today was blank no name and wouldn't download. 
I have been filling reports of the criminal crimes against me are on going. 
Everytime I attempt to remove my credit freeze I get an error fir over a year sorry under maintenance. I have not received an Expieran report since XXXX in addition to Expieran is where all my Aggressive ID theft .Fraud commercial underwriting and fraud business registration since XXXX. In addition my dispute of alias and and old address says it was deleted in my dispute result. However, its a lie because the info still remains when I attempt to dispute anything it gives me an error

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 2022-04-28
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
My social security number has been leak out through this company.

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 2022-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
on XX/XX/2021, the following company obtained an unauthorized credit inquiry report against my consumer profile in violation of 605a [ 15 U.S.C.1681 ( c ) ] Identity theft prevention ; fraud alerts [ 15 U.S.C. 1681c-1 ] by failing to perform verification as outlined within the 15 USC 1681 FCRA under 605A for Identity theft prevention ; fraud alerts on my consumer profile. 
TRANSUNION LLC failed to follow protocol and verification stated within [ 15 U.S.C. 1681c-1, 605A ] profile which states to follow clear guidelines in obtaining and/or release of consumers file of Identity by verification for theft prevention clearly under limitations and verification of release of information which includes calling phone number listed within the consumer file as guaranteed under 15 U.S.C. 1681c-1, 605 ( A ) ( SEE BELOW ) TRANSUNION LLC failed to follow the procedural guidelines as outlined within 15 U.S.C. 1681c-1 605A for the protection of identity theft victims in their conduct and retention of an unauthorized inquiry and release of my consumer profile. 
605A. Identity theft prevention ; fraud alerts [ 15 U.S.C. 1681c-1 ]

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 2022-04-28
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I paid my balance in full to Barclay over a XXXX dollar in XX/XX/2022, I was reviewing my emails and notice an email from Barclays stating I had a balance of {$71.00} this was so confusing to me sense I paid my balance in full. Call Barclaycard the first rep left me on hold for over 20 mints, I called again and I have this gentleman who was very nice, he extra lain to me the reason I have a balance and I explained to him that I should not have a balance since I paid my credit card in full, he try to remove the fees but require a manager, after a few minutes he came back and told me his manager wave Si e fees but not alll of them, I had to pay {$34.00}. I was very upset and still am, i have really good credit, always paid more than the minimum payment, I had always been on time with them and for them to treat people like that, I close my account with them, but some one has to let others know of the bad credit cards companies

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 2017-11-14
Company: RoundPoint Mortgage Servicing LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
I would like to report Mortgage Fraud. We closed a loan on a refinance with XXXX XXXX in XXXX XXXX they paid our property taxes for XXXX upfront and then the previous mortgage company had also paid the property taxes as well. This caused an overpayment for property tax which was refunded by the county Commisioner 's office in XXXX, GA. The refund was sent back to closing officer in the amount of {$1900.00}. The closing officer stated he was instructed by XXXX XXXX to return the refund to them. XXXX XXXX ( XXXX ) stated that they then sent the refund of {$1900.00} over to RoundPoint Mortage around XXXX XXXX. Roundpoint then took refund for Property taxes and placed it in a suspense account instead of returning it to the homeowner because taxes were already paid in full. Then Roundpoint decided to just take {$600.00} of the property tax refund and apply it to principle mortgage and there has been no accountability of the remainder. {$1300.00} is still unaccounted for according to XXXX at XXXX XXXX XXXX. As a result the mortgage was then transferred over to XXXX and with a deficit in escrow it has now caused me injury where my escrow account was short and they advanced monies to pay property tax which led my house payment to be increased over XXXX a month for not having enough in escrow. Where is the refund? As far as I am concern this is theft by mortgage company. You can speak to me or my wife in reference to this incident. I 'm a veteran and this is a disgrace how they do what they want with your hard earn money. Some of these banks are out of control and taking advantage of the average citizen. Please help. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: WSFS FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXXXXXX is listed on my credit report and I have a hard inquiry from this. I do not have any knowledge of this account at all. 

The correct Information for this account is XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: EQUIFAX, INC.
State: AL
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, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The servicing of my mortgage was transferred to BMO Harris Bank in the beginning of 2022. On XXXX XXXX, I received a letter for the City of Philadelphia stating that my real estate taxes weren't paid. My taxes are included as part of my mortgage payment. I contacted BMO Harris Bank and they sent me a letter dated XXXX XXXX that the taxes in the amount of {$2800.00} were paid to the City of Philadelphia on XX/XX/2022. The City of Philadelphia would not accept that letter as proof of payment- they wanted a copy of the cancelled check. I contact BMO 2x in the past month requesting a copy of the check. I still haven't received anything. At this point, the City of Philadelphia has sent the claim to XXXX XXXX XXXX- a collection agency. I did contact them to explain the situation, but they also need proof of payment. I don't have time to continue to call BMO and start from the beginning with the customer service rep and explain the situation. Any help is greatly appreciated. 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 2017-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
DISPUTE GUIDEPRINT XXXX XXXX XXXX Account Number XXXX Account Type Installment Loan Terms 072 Months Date Opened XX/XX/XXXX Account Status Open Payment Status Late Payment Status Details 30 days past due Status Updated XX/XX/XXXX Balance {$12000.00} Balance Updated - Credit Limit - Past Due Amount {$880.00} High Balance {$55000.00} Monthly Payment {$880.00} Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX, FL XXXX Ownership Individual account Original Creditor - Company Sold-to - Original Amount - Comments - Payment History This account was never delinquent as it was paid in full XX/XX/XXXX by the insurance company and GAP insurance due to a total loss.

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 2022-04-28
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act. Experian, XXXX and XXXX have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to the 15 USC 1681 Section 602 A. States I have the right to privacy. 

These addresses do not belong on my report : XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX Incorrect variations of names do not belong on my report : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Correct Name : XXXX XXXX Incorrect employers do not belong on my report : XXXX XXXXXXXX XXXX XXXXXXXX

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 2017-07-10
Company: DISCOVER BANK
State: NV
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 have already filed a complaint with you about this company in trying to reach a settlement on the account. See attached letters from company after I paid an agreed upon amount by check for settlement. Discover will not admit that the account has been settled and yet they accepted our check with this understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
On XX/XX/XXXX, I noticed I was a victim of identity theft because I accessed my credit reports and seen a Capital One account that had a balance of {$380.00}. I filed the necessary identity theft report with the XXXX and the XXXX XXXX Police Department. I mailed it certified mail to XXXX, XXXX and XXXX on XX/XX/2020. Notification was sent XX/XX/2020 from XXXX that it was removed and blocked, and XX/XX/2020 XXXX advised it was removed and blocked. As of today XX/XX/XXXX, I am noticing that the items have been reinserted without proper notifications. I did not receive any mailing from them that indicated it would be reinserted or the information that they found the account to be accurate. Under article 609, they have no signed contract verifying I had many any transaction with Capital One. On XX/XX/2020 I did apply for a Capital One Quick Silver card as a recommendation online from XXXX and was approved. I did provide my information then. XXXX and XXXX also continue to report inquiries on my credit report that have not been authorized by me and were included in my XXXX and police report. I did not have this issue with XXXX 

I have also reached out to Capital One requesting validation of said account on XX/XX/2020 to no response. Instead they have sent me to XXXX XXXX XXXX which is a collection company and even then they have no proof and are not reporting on my credit files. I advised them to stop calling me and harassing me over a debt that is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
XXXX XXXXXXXX inquries XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX inquries XX/XX/XXXX XX/XX/XXXX XXXX XXXX  inquiry XX/XX/XXXX XX/XX/XXXX have contacted company with no results

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 2022-04-28
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Good afternoon Im writing this letter cause I feel overwhelmed due to the high interest Barclays master credit card is charging me every month. 
I try calling customer service to help me lower the higher APR. I also noticed interest charge are super higher the company dont have any values for their customers. The reason I agreed to open this Barclays master card was cause it was a XXXX XXXX XXXX which is not a XXXX XXXX XXXX anymore. Please take a look to see if you guys can help me. Thank you in advance. 

Current balance {$13000.00} Purchase APR 23.24 % Cash Advance APR 25.49 % LATE PAYMENT $ ( XXXX ) XX/XX/2022 LATE PAYMENT $ ( XXXX ) XX/XX/2022 INTEREST CHARGE-PURCHASES {$260.00} Additional details for transaction on XX/XX/2022 titled INTEREST CHARGE-PURCHASES for amount XXXX XX/XX/2022 PAYMENT STOPPED {$370.00} Additional details for transaction on XX/XX/2022 titled Payment Stopped for amount XXXX XX/XX/2022 LATE PAYMENT FEE {$40.00} Additional details for transaction on XX/XX/2022 titled LATE PAYMENT FEE for amount XXXX XX/XX/2022 PAYMENT RECEIVED $ ( XXXX ) XX/XX/2022 PAYMENT RECEIVED

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