BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I received an invitation from Capital One to open a 360 checking account with a Promo code of XXXX, that after I met the requirements of the using the code and having two direct deposit of XXXX or more within 60 days of opening the account, I would receive XXXX as a bonus for opening the account. When I received the invitation I did live in the " targeted area '' but I was moving a week later. On XX/XX/XXXX I called customer service and explained the situation to them and specifically asked them that if I wait to open my account after I move to Florida, would I still get the bonus. The customer service rep said yes, just as long as I entered the promo code and make the 2 deposits. I move to Florida opened my account, entered the code and actually have had 3 deposits within the 60 day timeframe and I have not received the bonus. I called back on XX/XX/XXXX to find out what was going on and at that time I was told that I was not eligible for the bonus and basically was told false information regarding what was the " targeted '' customers ie : they had to be already capital one credit card holders to receive the offer, which is completely untrue. On XX/XX/XXXX, I faxed in a official complaint and explained the situation and asked them to make the situation right and to contact me. I still have not heard anything or received the bonus. If I was not eligible to receive the bonus when I moved to Florida then why did n't the computer tell me this when I entered the promo code? The fact that I met all the qualifications and entered the XXXX promo code, I feel like I am entitled to the promotion. I have also attached the complaint letter I sent to Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: FIRST NATIONAL BANK OF OMAHA
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:
This complaint is to report the inaccurate credit reporting by FNB OMAHA. The FNBO OMAHA account XXXX should be immediately deleted from my credit report due to incorrect information. Each of the credit reporting agencies are reporting different information. How can this be possible when all data furnished should be the same? XXXX is reporting nothing, XXXX is reporting that I was late 15 times and XXXX is reporting that the account is closed with no payment history whatsoever. There are so many inaccuracies within this account, and I demand that it is removed immediately. I was also not mailed a 1099c for the write off of this account. At this time, I am only asking for the deletion of the account. According to the law, I can take this to small claims court due to the many violations and inaccuracies. If so, I will be seeking compensation for {$1000.00} per violation. I am requesting for the deletion of this account for inaccurate reporting. I will attach the letter my credit report showing the inaccurate information.

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 2022-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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, XXXX, XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 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 explanation
Consumer complaint received 2023-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-08-07
Company: Freedom Mortgage Company
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The mortgage company is refusing to endorse the final check for repairs made to the house. Payments were broken up into 5 separate checks. Checks 1, 2, and 4 were all endorsed with no issue and only the statement from the insurance company on what the check is for. Check 3 we accidently endorsed before sending it to the mortgage company and it took nearly 2 months for it to be returned to us. We have sent them everything the insurance company included with each check, a statement from the contractor stating we had paid them in full, and a paid in full final invoice from that company as well. Today I sent the statement from the insurance company on what was paid out and why, pics of the work, and a lien release. We still can't get the check endorsed to repay our savings which was used to pay off the contractor. This has been going on for 3 months.

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 2020-02-24
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
Experian credit services has advertising their " Boost your credit score '' program -- simply go onto their website and enter your information, and watch your score increase.

The process is your payments to utilities is to be included in your credit score, obviously if they are paid promptly and correctly to each utility company.

What Experian doesn't divulge is that you have to have at least 3 months of current utility bills ( before XX/XX/XXXX, I paid 7 1/2 years of utility bills without one single late notice from any utility -- water, gas, phone, cable ) Experian couldn't use any of that information since you ONLY QUALIFY if they can verify 3 months prior to your initial date of applying ( my applying date was XX/XX/XXXX ) Not only was this not disclosed when applying for this " Boost '' service, but now my personal bank account , soc sec # and past addresses and phone # is on Experian 's site for no usable purpose. Experian won't even speak with you until you have this personal information entered into their system and obtain a membership # with them. 
SInce credit companies can go back and review 7 years of prior credit, do credit companies really want us to believe they can't also review our utility payments???? What nonsense! Total bait and switch.

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 2020-11-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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 PAID KOHLS IN FULL XXXX XXXX XXXX XXXX WI XXXX AND THEY AGREED TO REMOVE IT FROM ALL CREDIT AGENCIES BUREAUS AND DID NOT!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: EQUIFAX, INC.
State: MO
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:
I have been receiving in the mail for a while now about me owing child support money. Im not quite sure what any of that is about because my kids live with me and I have never been put on child support. I also got denied a credit card from XXXX  XXXX due to a low credit score. I have pulled my credit and I saw various child support items and loans on my account that does not belong to me. I strongly believe my identity has been stolen. Please remove these items from my report. XXXX XXXX {$450.00} XXXX  XXXX {$1300.00} XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX {$830.00} XXXX XXXX XXXX $ XXXX XXXX XXXX  XXXX {$1000.00} XXXX XXXX {$1400.00} XXXX XXXX XXXX {$450.00} XXXX XXXX  XXXX {$1000.00} XXXX XXXX {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Since XXXX, I have been challenging things on my credit. There are items on my report that are not mine. There are duplicate accounts shown for the same erroneous items. I have not received any response from the credit bureaus. It has been 7 months of me trying to get the incorrect items removed. The Dates of my most recent letters are below : XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 There are 38 Inquiries on my XXXX that I have continuously asked to be removed. 
There are 25 Inquiries on my XXXX that I have continuously asked to be removed. 
There are 22 Inquiries on my Transunion that I have continuously asked to be removed. 

There are 3 Derogatory Marks on my XXXX that I have asked to be verified for 7 months. The bureaus have had months to do so and yet they still have violated the FCRA by leaving these items on my credit report. They are : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX is listed twice, it's a duplicate fraudulent account! 

There are 3 Derogatory Marks on my Transunion that I have asked to be verified for 7 months. The bureaus have had months to do so and yet they still have violated the FCRA by leaving these items on my credit report. They are : XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX is listed twice, it's a duplicate fraudulent account! 

There are 4 Derogatory Marks on my XXXX that I have asked to be verified for 7 months. The bureaus have had months to do so and yet they still have violated the FCRA by leaving these items on my credit report. They are : XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX XXXX XXXX XXXX is listed twice, it's a duplicate fraudulent account! 

I simply would like the Credit Bureaus to Uphold the law and delete these erroneous accounts from 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 2018-12-04
Company: Patenaude & Felix A Professional Corporation
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Patenaude & Felix A.P.C is attempting to collect a charge off account which is not mine. The debt was disputed with the alleged creditor XXXX bank all communication was ignored and they have since charged off the alleged account. Patenaude & Felix A.P.C are now sending scare tactic letters referring to a judgement. This is clear violation of my rights under the FDCPA. I have contact the credit buerus and issued fraud alerts as I have never conducted business with Patenaude & Felix A.P.C.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
Company: VW Credit
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I processed my scheduled monthly payment on my account as I have been for years and years. My normaly payment of {$340.00} was due XX/XX/XXXX, I processed my monthly payment on XX/XX/XXXX ( before being 30 days delinquent ) As i have done many time over the course of the loan. 

Suddenly now VW credit wants to list that my account was over 30 days late when that is not false. I've requested they fix the issue and explain it & no one can seem to give me an answer on what's going on. 

I'm not sure if VW credit is hurting for $ $ due to the coronavirus, but i've made ALL my payments during this pandemic and never requested any forgiveness. The fact they want to say im past due is atrocious.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-30
Company: 2288984 Ontario Inc.
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
XX/XX/2019, I had taken a Payday loan from Money Key. I am NOT disputing Money Key, I am disputing a company that told me that they purchased the debt. The company is called XXXX, XXXX XXXX XXXX XXXXXXXX and I was told they are based in XXXX. I along with 2 of my friends received a call from an unknown number stating that if I didn't call XXXX that someone would be at my home or work place in 48 hours. I did not call back, so they called again the next day. My friend answered her call, and spoke with XXXX XXXX who called from an unknown number and told her that if I didn't call back they would be be at my home or work place in 24 hours. So I called back. I spoke with XXXX XXXX that had all of my information from Money Key. He had 2 recommendations for m. The first was that I could refuse to apply and they would proceed with legal action and I would be charged court fees and interest on top of the original debt or I could make a voluntary agreement with them to pay monthly installments on the debt but I would have to pay with debt card, credit card, prepaid card, but I could not mail the payments. I agreed and gave them my credit card. He then transferred to a lady. I didn't get her name, but she was to confirm everything. I asked what was the name of the company and she stated that I spoke with XXXX from XXXX but she was from XXXX XXXX  which is explained to be a third party billing company. She stated that they would send me an email for me to sign to confirm. When I received the email, it did not look right to me. No address and the grammar was off. So I called the number I called early that evening and it went to voice and said that I reached a XXXX area code phone number which is in XXXX, WI. So I XXXX both companies and can't find a website or address. I XXXX the phone numbers and could find nothing. I called XXXX XXXX back at XXXX, the next morning, and they stated that they are based in XXXX, and they not have a building with an address for me to send my payments to. He then stated for me to follow the chain of title. That this was a pre litigation collection. So I stated to him that I would like for him to mail me everything. He got defensive and stated that he was removing my credit card information and take this to litigation, so I told him I would see him in court. 

I have attached the agreement that was sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I have a unauthorized account on my report and would like it to be removed according to the FCRA any inaccurate items on my Credit report that isn't % 100 verifiable or accurate must be removed.

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 2020-11-20
Company: Massachusetts Housing Finance Agency (MassHousing)
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I see multiple 30-120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
Company: Bull City Financial Solutions, Inc
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Years ago while I was shopping in a local XXXX XXXX I was unattractive to my wallet. It was stolen or taken from my cart. When I found out I immediately filed a police report so I can get my cards back not thinking that I would need to do anything else. Years later after college I went to apply for a loan for a home and went to review my credit and saw many things that I was not familiar with. I did some research and found out my next step to getting it fixed was filling this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: Conduent Incorporated
State: GA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
My Unemployment benefits are going to a Way2Go Card. They do advertise that i will be able to transfer my funds from their card to my personal bank card for a fee of {$1.00}. i did it once and now they did remove this option without any notice. 
I tried to contact them multiple times. NOTHING. I did use all phone numbers that they did provide to contact. left multiple voice messages and NOTHING.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
Company: United Acceptance Inc.
State: AL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor.Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. 
You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. I have disputed this alleged debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09
Company: Experian Information Solutions Inc.
State: NC
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 would like validation of the credit application and signature sent to my mailing address. I do n't want any verification through any other company. I would like this removed from my Credit report if there is no valid validation.

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 2020-11-20
Company: U.S. BANCORP
State: GA
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:
There is an old account that was listed on my XXXX credit report from US Bank. The account was closed and zero out because of fraudulent charges back in 2016. I've contacted XXXX to dispute the incorrect balance showed and they've sent a letter stating US Bank has verified the account as correct. US Bank has a record of the letter that was sent to me with the account being corrected.

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 2020-07-06
Company: U.S. BANCORP
State: CO
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Don't want a card provided by your employer or the government

Complaint:
Received a US BANK RELIACARD which is suspicious. Did not ask for it or asked for unemployment benefit from PA. We don't even live in PA. This is a scam or fraudulent activity. Tried calling US BANK Reliacard but never was able to talk to a live person. Please mark them as Scam US BANK RELIACARD

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