BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was contacted by someone posing as XXXX XXXX, the country music singer, on XXXX. This person ( s ) somehow had my contact info and told me I had to comply with his requests or he would turn me over to the law for falsifying a credit application to Capital one in which my income was inflated. I receive XXXX and make little money. I was afraid to tell anyone about this so I complied with his requests for several months. I finally told me mother, and that is when she called the sheriff 's department, we filed a police report, called Capital One, reported the fraud, and have now hired an attorney because Capital One is suing me for around {$3500.00}. My mother is acting as my " next friend '' as per our attorney. I want this person ( s ) prosecuted and punished so this never happens to anyone else again. It is frustrating that others take advantage of people, and I hope this issue is resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-24
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: Account status incorrect

Complaint:
the depart of education accounts are on my account are showing incorrectly

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 2022-04-08
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:
Upon reviewing my credit file, incorrect information was found in my reports. The XXXX/ExperianXXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX Balance {$2600.00}, XXXXXXXX XXXX Balance {$2300.00}, XXXX XXXX XXXXXXXX Balance {$3100.00}, XXXX XXXX XXXXXXXX Balance {$95.00}, XXXX XXXX XXXX Balance {$380.00}.

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 non-monetary relief
Consumer complaint received 2022-04-08
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 keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint, not some company or not any other third party. It's been over 35 days and you are still reporting these items without permission and that is fraud.

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 2022-08-25
Company: EQUIFAX, INC.
State: OH
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 am a natural person, I am a living human being, I have rights under 15 USC 1681 Equifax is governed by 15 USC 1681 and they violated my rights numerous of times I demand accounts listed below be removed because according to 15 USC 1681 I have the right to privacy and I did not give Equifax written permission to furnish these accounts Accounts XXXX XXXX XXXX bank XXXX XXXX XXXX bank

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: Andreu, Palma & Andreu, PL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Andrew, Palma, Lavin & Solis, PLLC is filing for false judgments to be paid in full, but Ive never missed a payment with them. This is absolutely disgusting because my payment arrangements began in XXXX for {$35.00} a month for the first 3 months and {$100.00} a month afterwards. I sent {$35.00} in XXXX XXXX, {$50.00} In XXXX XXXX, {$100.00} in XXXX XXXX, {$100.00} in XXXX. XXXX, and {$100.00} in XXXX. XXXX. I only had to give them {$300.00}, but they received {$380.00}. Yesterday I received mail asking for the payment in full, but we have a payment arrangements and I dont have that type of money to pay in full. I dont know if they are preparing for the pandemic and people being unemployed or what. In the past, I called and was placed on hold and no one came back to me. Yesterday I mailed a letter to them. I dont know if debt collectors are essential workers while under a safer at home order. But I sent all of my payments in and they are breaking our agreement without cause.

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 2022-03-17
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: Account information incorrect

Complaint:
XXXX XXXX XXXX {$14000.00} Closed Account number XXXX Account status Closed Date opened XX/XX/2014 XXXX XXXX XXXX XXXX XXXX, IL 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 2022-04-08
Company: Experian Information Solutions Inc.
State: FL
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:
Please review the uploaded letter. There are inquiries on my credit report that I did not initiate or authorize.

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 2022-03-16
Company: ALLIANT CREDIT UNION
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 information incorrect

Complaint:
ALLIANT CREDIT UNION {$14000.00} Closed Account number XXXX Account status Closed Date opened XX/XX/2014 XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-26
Company: Experian Information Solutions Inc.
State: NC
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:
There are many mistakes appear in my report without my understanding.

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 2022-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account information incorrect

Complaint:
XXXX  XXXX received my tender of payment on an account, kept it ( theft and fraud ), didn't credit my account, closed all 3 of my XXXX  XXXX accounts, added late charges and reported incorrect balances on my consumer report. XXXX  XXXX dishonored a lawful tender of payment. 

XXXX XXXX is in violation of 15 U.S.C 1691c ( adverse action against a consumer )., 15 USC1691- Adverse Action and discrimination against me, 15USC1681 ( S ) ( 2 ) - Willfully reporting inaccurate information to a consumer reporting agency. XXXX XXXX kept my payment and didnt apply it to my account.18 USC CHAPTER 47- Fraud and false statements I am aware and know that any transaction to discharge debt liability is in accordance and compliance with UCC 3-104, 3-311, 3-603, 3-415, 1-304 and that any documents transmitted on behalf of the debtor to discharge debt liability on behalf of the debtor are in full accord with HJR 192 ( June 5, 1933 ), Public Law 73-10, UCC 3-419, 3-11, 3-603, 3-415, 1-104 and 10-104/2A-104. 

I have been met with resistance in a matter that shouldn't be this hard to remedy. If federal laws are not upheld I will initiate the litigation process against 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 2021-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
file a dispute on XX/XX/2021 with Transunion, XXXX  and XXXX about inaccurate things and unknown things on my credit report. To this date 95 days I have not received a response yet. It has been well over 30 days and I havent received any investigation results. I feel like I am being taken advantage of and being ignored on my disputes. Also, it has been over thirty days with no compliance to the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681 ) enacted by the United States Congress. By their findings, it is now my legal right to have these accounts and inquiries ( FCRA 15 U.S.C. 1681n ) removed. If not deleted I will fill for limitation due to the stress you have caused me. My information was also impacted by the XXXX  data breach and may have gotten in the hands of the wrong person. I DEMAND THESE ITEMS DELETE RIGHT AWAY.

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 2020-04-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Its been almost a month and Im still locked out of my account. Which is current. Ive contacted web support as well as customer service several times. Yesterday ( XX/XX/20 ) I was on the phone for an hour attempting to get it resolved before it just hung up. I woke up today thinking maybe the rep continued to work on the issue despite her call dropping and nope. She didnt. Im still locked out of my account. How am I supposed to continue paying my bill on time if Im locked out of my account during a pandemic. Wait times are through the roof for customer service. This is absurd.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Upon reviewing my credit file, incorrect information was found in my reports. The TransUnionXXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/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 2020-04-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
XX/XX/XXXX My partner and I went into Capital One Bank in XXXXXXXX NJ  to open up a business bank account, from the start we were told that you have to be a customer for more than a year to apply for the PPP loan we never asked or implied thats why we were there. I was asked a bunch of questions which I deemed was unnecessary to ask plus I had a hard inquiry done on my credit. And when it wasnt enough I was told to come back to complete the process because they had to get verification From corporate to open the account I was never told a hard inquest would apply and it was used to verify my partner and I. I left very disgusted and plan to close my personal accounts cause if they can profile me in that manner for trying to open a business account, I can imagine what treatment Ill get as a personal account customer ...

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I contacted Carrington mortgage, XXXX XXXX XXXX, XXXX, CA XXXX, XXXX, because they were charging me late fees. I have NEVER missed a payment. They changed the payment amount in XX/XX/XXXX but since I was overseas I did not get the message. Apparently escrow analysis was done and they changed the amount of the escrow payment - making my full payment to fall short of what they were charging. The fixed rate principal and interest did not change - their analysis of the escrow taxes or insurance did yet they felt inclined to hold my payment " in suspense '' until the next payment arrived then " applied '' the previous payment. <P/>They held my money, not applying it to principal nor to my regular payment justifying charging me late fees. This seems quite unfair. They are refusing to waive or reverse any late fees even though I have made my mortgage payment to them without fail and on time for more than 15 years. <P/>Apparently Carrington Mortgage holds peoples money in their bank without credit or interest. This seems illegal to me. Please investigate their practices and charter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with signing the paperwork

Complaint:
Hi! My name is XXXX XXXX! I am a naturalized US citizen. 
It is an unusual situation.I/we were able to get the loan but the process was very discriminative.On XX/XX/XXXX we ( my wife and me ) bought a car with a joined car loan from XXXX  XXXX  XXXX XXXXThe process were smooth.The dealership informed us our loan company going to be BB & T XXXX 
On XX/XX/XXXX more than then 3 weeks later the dealership called me saying I need to provide my green card bc we are not going to get our car loan.We were was shocked.Anyways I told the dealership I dont have a green card any more because I AM A US CITIZEN since XXXX XXXXWhich also proved by my NC Drivers license which has a star in it! They had copies of it! They said than I have to provide additional evidence of my citizenship! 
Of course I felt awkward and upset because the dealership and the bank didnt give me a straight answer why they need more evidence! I felt I getting discriminated and profiled bc my name.It never happened before! My wife who is a US born citizen did not have to provide any additional evidence of status.It is clearly profiling. 
However eventually I did provide the copy of my passport.Far as I know we will get the loan. 
However my complaint is : -If the loan company requires evidence of citizenship they need to do it in the moment of the car purchase.Not almost a month later. 
-As a US citizen I have a constitutional right to not get questioned, harassed or blackmailed about my status for any purpose.Outside of DHS or other Federal Agencies. 
-After I got my citizenship I did register the change with Social Security Services so it should be in the credit or personal records. 
If the bank wants to research my status than they can do it if they really want it! Its not right to blackmail the customer! 
-It is a such a sensitive subject bc I worked hard and did it the right way to become a citizen and get accepted! Also did it with a goal to not be harassed or blackmailed about my status anymore! 
Sincerely : 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 2021-06-12
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Section 4021 of the Cares Act amends Section 623 ( a ) ( 1 ). of the FCRA ( 15 U.S.C. 1681s-2 ( a ) ( 1 ). Now, a furnisher of data to the consumer reporting agencies that allows its customers to defer payments, make partial payments, modify credit terms, or make other arrangements for its customers affected Covid-19 should not report the account as delinquent, but should continue reporting it as current, unless the account was delinquent before the Covid-19 related deferral or modification, and has not been subsequently brought current. These new reporting requirements are retroactive to XX/XX/2020. Due to Covid-19 forbearance program regulations, it states that no late payments are to be reported to the financial credit bureau during the time of covids forbearance period. I have late payments on my credit report, I want removed because I am a victim of Covid-19 and legally Freedom Mortgage Corp should not have them there.

Freedom Mortgage Corp, declined to assist me with this matter, disregarding the law, Congress put in place.

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 2020-04-24
Company: Comerica
State: OK
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
There were 2 charges on my direct express card from XXXX, one on XXXX and one on XX/XX/XXXX, both for the amount of XXXX. I called and spoke to direct express to dispute the charges and was told a packet would arrive in 3-5 days. Nine days later i recieved the dispute form and faxed it back immediately. I called to make sure that the information was received an was advised that it had been and that my claim had been denied for " general reasons ''. When I spoke to XXXX they told me that the card was being used by someone named XXXX XXXX and that I needed to cancel the card because they could not block it from being used again. The business that took my money knows that it wasn't me because the name on the account didn't match the name on the card, but the rude lady at direct express touted that " a very extensive investigation with lots of research '' was performed. When asked what was used to back up the denial she had no answer. She then began to repeat the decision is final over and over when i requested to speak to supervisor.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
XXXX XXXX " XXXX XXXX '' sent me a regular quarterly report on my rating by the 3 major credit agencies ( XXXX, TransUnion, & XXXX. As to TransUnion, they showed credit activity of someone named " XXXX XXXX XXXX '' ( my name is XXXX XXXX- no middle initial ) ; it also showed employers, etc,, for XXXX XXXX XXXX where I was never employed, and similar errors arising from the mistaken consolidation of my records with his. I called TransUnion last week and told them about it, and they said they would correct it and send me a correction. The sent me a correction which dropped all reference to " XXXX XXXX XXXX ''. BUT the purportedly corrected report showed a number of credit accounts where the account numbers are not mine, and it also failed to show a number of my own accounts at the same banks, etc., I called them again this morning, told them about it, and they said they would transfer my call to " special handling '' -- but they did not transfer its=, hung up ( after a half hour on " hold '' ), and I finally realized that this outfit is just hopeless. If there is some way to get these people to pay attention to correcting their own sloppiness and behave responsibly, please help!

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 2021-08-18
Company: Navient Solutions, LLC.
State: WA
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:
1. Navient is my student loan servicer. 

2. They are reporting my student loan status to XXXX and XXXX as " Paid or paying as agreed. '' which is correct BUT to XXXX as " Was delinquent 180 days or more past due date. '' which is NOT correct!

3. I wrote Navient in XX/XX/2021 and asked for a summary of the months where they claim I was 180 days delinquent. Their attached letter is dated XX/XX/2021 (? ) and addressed to someone named 'XXXX  XXXX. It is not responsive to my request. 

4. I wrote XXXX to dispute the incorrect information. They responded saying that Navient has confirmed the entry.

Company response to consumer: Closed with explanation