BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-20
Company: Experian Information Solutions Inc.
State: AL
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:
This is my 3rd time trying to fix the errors of this alleged account. I wrote two letters both XXXX and XXXX of XXXX, but yet inaccuracies still remain. I have attached a photo proof below of the inconsistencies and inaccuracies that have been continuously verified. The date of last activity in different across all three bureaus XXXX  shows XX/XX/XXXX, Experian shows XX/XX/XXXX and XXXX  has XX/XX/XXXX. Please tell me how this information was verified by the same creditor but still report inconsistently across three bureaus? I have a right to an accurate credit report please delete this unverified inaccurate account immediately. 


Account Name : XXXX Account # : XXXX Account Name : US DEPT ED Account # : XXXX Account Name : US DEPT ED Account # : 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 2023-06-21
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX I deposited a check for {$390.00}. Initially Chase said the my funds wouldnt be deposited on the XXXX and then changed it to XXXX. After speaking with customer service, they were able to contact the issuing bank and verify the check. However the two representatives I spoke with both claimed that they could not verify the check makers number in their private system and still refuse to give me access to my funds or cancel the deposit so that I can cash my check elsewhere. They also refuse to call the company that issued the check in the first place because none of the numbers can be verified in their system. One rep told me that the verified number is the one that the company uses to register their business with the state. However, even after I looked up that number, they continue to tell me its not verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07
Company: HYUNDAI CAPITAL AMERICA
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX, I received an email from XXXX  that I had been marked delinquent on a Kia Motors Finance bill. My credit plummeted more than 100 points. I turned my Kia in that past XXXX for a XXXX. I called Kia the second they opened on Monday and it turns out I had a {$120.00} payment from something that they screwed me over with for not returning it to them. 

I paid it right then and there and then asked for it to be taken off of my credit because I had absolutely no contact from Kia that I had owed anything. They asked me for my address and I gave it to them and they told me that it didn't match my address on file. They had my old apartment address. However, I had in my hands ( miraculously saved ) a lease end kit that they had sent to me at my house -- -thus proving that my address was SOMEWHERE at Kia , They told me I could write a letter to dispute, but there is no phone number or email address to get in contact with the credit department XXXX I did that day and also opened a dispute with XXXX. 

Both disputes came back saying that they were not in the wrong and that it will stay on my credit until XXXX of XXXX. I have 6-8 years of on time lease payments to Kia. I paid that bill the second I knew about it ( from XXXX, never from Kia ). I have NEVER missed a payment on anything. At one time, there were five Kias in my family 's driveway. I called the number at the bottom of the Kia letter and was told that a manager would call me back in 24-48 hours. 

A very rude manager called me back and basically told me it was my fault for not changing my address and they had searched the system to send me the lease end kit, but could not answer my question as to why that same courtesy wasn't given when I was not responding to a bill that was way less than my lease payments. She told me I could open a credit dispute with XXXX  and in the middle of telling her that I had already done that she claimed that she could no longer hear me, jumbled out an 800  number with no warning and hung up. I called back the number that had called me, talked to a lady that gave me another number to call, and called that number. That woman told me that the original manager was giving me the number to the credit union and that she disconnected the call.

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 2021-10-05
Company: EQUIFAX, INC.
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:
XX/XX/2021 i was under the impression that my mortgage payment was processed with XXXX XXXX. i was unaware until the following month XX/XX/2021 when i received a 30 day late payment notice 3 days after making the scheduled payment for that month. this prompted me to investigate what what could have happened so i checked my bank statement from the previous month and that was when i realized the payment had not been processed. i immediately make a second payment and called XXXX XXXX to understand how this could have happened and to have the reporting removed.i spoke to XXXX XXXX who started a dispute and requested 3 months of my bank statements to prove i had no intention or reason that a payment could not be made. at that time i had an open dispute with XXXX. on XX/XX/2021 i received a resolution that it had been corrected. i was unaware it was also reflecting on my XXXX  and equifax so i called back in to start another dispute on XX/XX/2021 and spoke to a woman ( did not get her information ) and she told me it would be corrected and removed by XX/XX/2021. since then i have called XXXX a number times and have been left on hold for more than 2 hours by one rep. and been brushed off by a number of others. now they are refusing to remove the incorrect reporting from XXXX and equifax. this has destroyed my credit to the point that my credit cards have all been cut to XXXX limits and i can not refinance my house because of the drop in my credit score. i have exceptional payment history on all of my open accounts. this missed payment was in error i believe to the website being under construction at the time of the missed payment. in either case when i was aware a payment had been missed i paid it immediately. i dont know how to prove a website error so i am requesting a goodwill adjustment. i ask for consideration especially in these time where so many have deferred or defaulted alltogether. i am a good paying customer and i intend to keep it that way.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: BANK OF THE WEST
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
To whom it may concern, I was caught in a fraud of free shopping. I have attached a letter and evidence in the attachment, please take a look. I need your help to push the XXXX banks to cancel all the disputed transactions, and refund to me. 


Regards 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 2023-05-23
Company: EQUIFAX, INC.
State: AZ
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 applied for the Class Action Settlement for the U.S Department of Education on XXXX my application number is # XXXX For the School of XXXX XXXX XXXX I received My Approval of my Borrower Defense Case Under Exhibit C of the Sweet v. Carbondale Settlement on XXXX. The approval letter states the Department of Education will Discharge My Federal Stu loans, Provide a refund for any payments made, and Delete the Credit report trade line associated with the discharge loan ( s ). The Chief Operating Officer on my case is XXXX XXXX his contact information is XXXX. As of today XX/XX/2023 It is still affecting my credit, it has since lowered my credit score by XXXX points.This should have been frozen and unable to affect my credit rating. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Capital one credit card services has been reporting a fraudulent account to the CRA 'S, I have attempted to talked to the co. that this account was opened not be me, I sent disputes to The XXXX CRA 'S seeking identity theft as well as asking for the verifying documents that support the claims that this account belongs to me, I have got no documents such as the application and any other info that would suggest that this fraudulent account belongs to me. This account is definitely affecting my creditworthiness, and according to the FCRA Laws that are in place for the consumer if this is clearly unlaw because it states that within the dispute the CRA 'S should be able to report and issue supporting documentation to the consumer when it is requested as to how this verification process of this account was obtained, and they have not with the 2 attempts that i have tried in wrinting disputing this account with Capitol one.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-25
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have student loans reported on my credit saying no payments received. I disputed this and the credit bureau said the US Department of Education says the information is correct. I have my student loan payment garnished from my check in the amount of 15 % every payday. I tried contacting the US Department of Education and they said my loans are with the collection agency named XXXX XXXX XXXX. I called them today XX/XX/19 and spoke to XXXX on a recorded line. He said that I am going to remain in default until my loans are paid in full and they are not required to report to credit bureaus. He said my payment is not considered voluntary and therefore my status will not change. I was told I could only come out of a default status by letting the garnishment continue and making a separate payment to them. That is absurd. A payment whether voluntary or involuntary is still a payment being received. He also stated that I have a balance of {$130000.00} and on the US Department of Education student loan website my balance is {$110000.00}. How can I make a payment and owe collection fees that high? This is unconscionable.

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 2023-05-18
Company: Bread Financial Holdings, Inc.
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:
I do not recognize inquiry from CCB/BreadXXXX  made on XX/XX/XXXX with removal date of XX/XX/XXXX. The other inquired was made by CCB/BreadXXXX on XX/XX/XXXX with removal datw of XX/XX/XXXX. Vendor has no number to call and they do respond to mail. 

my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX SSN XXXX. 

This appears on my XXXX, XXXX and XXXX Credit. Report. I wish to have both inquiry remove from all Credit Bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12
Company: Experian Information Solutions Inc.
State: MO
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:
The three reporting agencies ( experian, XXXX and XXXX XXXX have reporting a bankruptcy in error. They are you a company ( XXXX XXXX ) to verify the information thru public records. This is against the verification rules. Public records can not be verified or checked for errors. The US bankruptcy courts provided me with a letter stating they do not verify nor provide any information regarding court proceedings. Therefore the agencies can't properly verify the information in credit report. By doing so the are violating federal law and XXXX rules.

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 2020-07-13
Company: Carter-Young, Inc.
State: AL
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:
In XXXX of 2020 I had my credit pulled while looking for a mortgage and saw accounts that were a result of Identity theft. These accounts have been reported to the credit bureaus and to date have not been removed. I would like to complain because I am a victim and the companies have yet to remove the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and XXXX have got into the hands of the wrong person.

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 2020-09-13
Company: Experian Information Solutions Inc.
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:
Experian credit has 2 mortgages reporting XXXX XXXX XXXX XXXX sold to XXXX XXXX, XXXX was settled in XX/XX/2020 Please have Experian updated as they refuse

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 2021-10-05
Company: CMG MORTGAGE, INC
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:
XX/XX/2021 i was under the impression that my mortgage payment was processed with cmg financial. i was unaware until the following month XX/XX/2021 when i received a 30 day late payment notice 3 days after making the scheduled payment for that month. this prompted me to investigate what what could have happened so i checked my bank statement from the previous month and that was when i realized the payment had not been processed. i immediately make a second payment and called cmg financial to understand how this could have happened and to have the reporting removed.i spoke to XXXX XXXX who started a dispute and requested 3 months of my bank statements to prove i had no intention or reason that a payment could not be made. at that time i had an open dispute with XXXX. on XX/XX/2021 i received a resolution that it had been corrected. i was unaware it was also reflecting on my XXXX and XXXX so i called back in to start another dispute on XX/XX/2021 and spoke to a woman ( did not get her information ) and she told me it would be corrected and removed by XX/XX/2021. since then i have called cmg a number times and have been left on hold for more than 2 hours by one rep. and been brushed off by a number of others. now they are refusing to remove the incorrect reporting from XXXX and XXXX. this has destroyed my credit to the point that my credit cards have all been cut to XXXX limits and i can not refinance my house because of the drop in my credit score. i have exceptional payment history on all of my open accounts. this missed payment was in error i believe to the website being under construction at the time of the missed payment. in either case when i was aware a payment had been missed i paid it immediately. i dont know how to prove a website error so i am requesting a goodwill adjustment. i ask for consideration especially in these time where so many have deferred or defaulted alltogether. i am a good paying customer and i intend to keep it that way.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2023-04-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Capital One repossessed my vehicle XX/XX/XXXX  after I made a payment XXXX, XXXX XXXX. With further examination of my retail installment contract given to me by a dealership they recommended and partner with, XXXX XXXX XXXX XXXX of XXXXXXXX XXXX. My finance charge for the loan was falsified. It was {$11000.00} lower than the actual finance charge I was supposed to get. I did not notice that it was incorrect due to the finance charge being provided inconspicuously on a black and white form. Ive been making payments on a vehicle that is under an invalid unlawful contract for almost 2 years now. Ive had problems with this dealership before, they falsified an extended warranty prior to this incident which added XXXX to the principal agreement in which I had to fight tooth and nail to get reimbursed. Capital One and XXXX XXXX XXXX XXXX  actions are in direct violation of multiple acts including The Truth and Lending Act, The XXXX XXXX XXXX XXXX, The Fair Credit Reporting Act, and The Fair Debt Collection Practice Act. The unlawful and malpractices of both companies violate my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On Tuesday XX/XX/XXXX American Express collections department called one of my relatives numbers. Upon answering, the debt collector released all information regarding my account to the individual.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
Company: JPMORGAN CHASE & CO.
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 belongs to someone else

Complaint:
On XXXX XXXX Account Name JPMCB CARD Account # : XXXX Date opened : XX/XX/XXXX the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. 
XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, DE XXXX Phone number ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07
Company: EQUIFAX, INC.
State: AR
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 sent me an email that it looked like my personal data may had been compromised. I opened it up and reviewed everything and there was several unknown inquiries and accounts that certainly did not belong to me. I pulled my credit to make sure, and these accounts I am reporting are definitely not mine. Please delete these accounts from my report. 

XXXX XXXX XXXX XXXX {$22000.00} XXXX XXXX XXXX XXXX {$130.00} XXXX XXXX   XXXX {$1700.00} XXXX XXXX XXXX {$480.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation