BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-22
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
There was an arbitration awarded in favor of me the Defendant ( XXXX XXXX XXXX ) against the Plaintiff ( Capital One ) on XX/XX/2019. As of ; XX/XX/2019, Capital One continues to indicate that I am 30 days late on my Credit report. I have disputed with XXXX on 3 different occasions ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) ; they instructed to me that Capital One continues to state that I owe the amount. I informed Capital One and their Lawyer 's and they continue to ignore the courts decision. File number XXXX ; please see attached. 

Thank you in advance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-19
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I submitted a letter on XX/XX/2021 about inaccurate and unverified information on my credit report, i have yet to receive a response, ignoring the fact it have been over 35 days. I feel as though im being used and that my complaints are being ignored. It is clearly stated in Section 611 ( a ) that failing to investigate these issues within 30 days is a reason to remove those things off my credit report immediately. It has been over 35 days and they should be removed immediately or i will file for litigation to compensate me for the stress you have caused me. My information was also leaked as a result of the Equifax data breach, and it may have got into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
On or about XX/XX/2020 Sears/Citi Bank charged ( my personal checking ) XXXX XXXX for a fee of {$2.00} Please note that this account is set up on the auto reoccurring payments. I have verified this fact and it has been in place before the account was ledgered for the {$2.00} debit originating from XXXX grocer. The fact remains that the deferred amount was deducted by  SEARS /CITI and a positive remark was recorded on the ledger. However, shortly there after and for reasons unknown this charge would be returned, reflecting a negative remark? This must be a technical glitch which resulted in this creditors failure to insure solvency and continuing to bill my bank!

Today I pulled my credit report and the negative 20 points that resulted from this billing glitch is behind my complaint today. I took steps to contact the Banks representative ( s ) and was informed ( By the auto attendent ) that the bank could not understand my request

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 2020-10-12
Company: Experian Information Solutions Inc.
State: NJ
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 account was open fraudulently a police report was sent in and they did not remove the fraud information. i am now trying to buy a home during this pandemic and they will give me no proof and will not remove this from my account

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 2021-07-20
Company: EQUIFAX, INC.
State: OH
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:
THESE INQUIRIES AND ACCOUNTS ARE NOT MINES!!! bro according to united states code 1695 and fair reporting credit act along wit fdcpa rights, any unauthorized and fraudulent activity must be removed and gone from reporting to my consumer report! Like I Have attached documentation of the letter that was sent to the furnisher on XX/XX/2021. They are still contacting me and this has shown up on my XXXX, equifax, and XXXX credit report! I, XXXX XXXX XXXX IS SENDING THIS MESSAGE, IM NOT HAVING A COMPANY SEND THIS ON MY BEHALF!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am higghly upset that the credit bureaus have not responded back to me about my investigation. this is extremely important to me I need the accounts that dont belong to me to be deleted as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27
Company: U.S. BANCORP
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I was promised 0 % apr for 21 months ending XX/XX/2020 After five months of on time payments I accidentally made a payment late by 5 days. 

The late payment was due to their website not working properly. 

I contacted card member services and they agreed to credit me back the late fee. 

Then without notifying me they revoked my promotional period and began to charge me interest. 

I was neither notified over the phone nor was I notified by mail. 

I contacted the both XXXX XXXX and XXXX XXXX XXXX and was given the run around on the phone. 

I was treated very rude. 

I have taken notes on my phone conversations and have the names and dates of those who treated me rude and deceptive. 

I told them that I would call the police and they laughed at me. 

Sincerely, XXXX XXXX  Customer

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 2020-10-13
Company: Atlantic Recovery Solutions LLC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Repeated phone calls throughout the day as well as text messages. My parents are receiving calls that they shouldnt be receiving using my name. They call at least XXXX times a day to my cell phone and at least once to my parents home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS
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 never opened up a credit card in name ever and I am not sure why they are on 2 of 3 of 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 non-monetary relief
Consumer complaint received 2018-12-27
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
In XX/XX/2018, my XXXX XXXX credit card was charged approximately {$12.00}. On XX/XX/XXXX, I noticed the charged because I received a statement that I was not expecting and I contacted XXXX XXXX to report and dispute the charge. I also contacted XXXX XXXX who could not identify what the charge was for. Because I did not make any purchases with my XXXX XXXX card in XXXX, I assumed this to be an unauthorized charge that would be refunded. 

When I received the next statement, I noticed that the issue had not been resolved, XXXX XXXX   was charging late fees and reporting delinquency to the credit agencies. I called XXXX to check the status of the dispute and resolve the issue. This resulted in several phone calls back and forth between XXXX XXXX and XXXX XXXX. 

In summary, XXXX XXXX  demanded that I pay the disputed amount in order to stop the negative reporting to the credit agencies. They assured me that the money would be refunded if the situation was resolved. 

XXXX XXXX eventually identified the charge as a back-ordered item from a purchase made in XXXX, which was paid in full after I received the statement of the purchase. In addition, I never received the item that was on back-order. On XX/XX/2018, the XXXX XXXX representative told me that they would refund the charge and to expect the credit within 3 business days. 

When I called XXXX XXXX a week later, the XXXX agent told me that it would take 30 days for the credit to appear. 


XXXX XXXX has not issued the refund/credit and XXXX XXXX continues to harass me for payment, threatening me with further action, claiming that I have not responded to them and reporting delinquency to the credit agencies. I am at a loss for how to resolve this situation. 

Thank you for your assistance, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-19
Company: CITIBANK, N.A.
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: Information belongs to someone else

Complaint:
On XXXX XXXX, XXXX, XXXX XXXX XXXX add a hard inquiriy on my credit report per XXXX  and XXXX. 
On XXXX. XXXX, XXXX, XXXX XXXX XXXX  XXXX add a hard inquiriy on my credit report per XXXX  and XXXX. 
On XXXX XXXX, XXXX, XXXX add a hard inquiriy on my credit report per 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 2020-08-19
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE INQUIRIES ON MY FILE. THESES INQUIRIES DOES NOT BELONG TO ME, THOSE INQUIRIES WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: Westlake Services, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
We just received a new loan from Westlake Financial Services. When we applied for the loan we asked when the due date would be. No one was ever willing to give us one. Today we received our paperwork and without a known due date we attempted to make our first payment. 

We owe $ XXXX/mo but we wanted to pay {$1000.00}. We attempted the transaction and apparently it went through. But we had no proof of payment. No confirmation receipt. Our portal shows no payment or payment history. 

We called asking for a receipt or confirmation of payment but was refused a receipt or confirmation of receipt. We spoke with a supervisor. Still no proof of payment or confirmation receipt. We received an email with our payment history not showing any proof of payment. 

We do not know when our payments are due and we have no proof of payment for a loan that we have paid almost 4 times the amount due. We are appalled as to why we can not receive a ongoing due date or confirmation of payment receipt. 

How do we know we are not being scammed? We just trying to be responsible in paying our debt better than we agreed to pay it. Why are we refused any confirmation of payment received? How is this legal and ethical? How can they take our hard-earned money and refuse to confirm its receipt?

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 2020-06-28
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The reporting agencies are mistakenly using the credit card of another as if it was my own. 
My name is XXXX XXXX XXXX and my age is XXXX. They are mistakenly showing the credit card as owned by me. It is not and is the card of XXXX XXXX XXXX an accountant in another town. I live in XXXX XXXX and he in XXXX. The credit reports also show me as an employee of his in XXXX. I have never worked in his business or for him. 
The credit bureaus show I obtained this credit card about 9 years ago are in error. This is not my card and therefor I could not have used it. XXXX XXXX XXXX has confirmed to me that it is his card. I have filed complaints with XXXX  at least six times and the others as well. I have been told each time that it is my account. I do have a credit card with XXXX and the last numbers are XXXX. I have had this card about 4 years and rarely use it. 
Please help as this if painful and very difficult for me and I have spent many sleepless nights. 
Thank you very much. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28
Company: ID Analytics, 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:
Never heard of this Sagestream llc consumer report. Was denied a vehicle purchase due to their WAY lower score than what I have with other agencies. Went to get my report from the company and they refuse to release my info and give me my credit score unless i SEND them hard copies of my personal information such as my driver 's license and social security card. This opens me up to huge risk i should NEVER have to do. They are reporting WAY lower scores with no way of getting the info unless they get your private information first.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2019, I was called on my landline by XXXX. I was told by XXXX XXXX, he was a network telephone support expert. He asked me if I was using my computer, I said no. He said well you won't be able to your security has been compromised. I opened up my laptop, he was right.I documented the case ID XXXX.he proceeded to say he wasn't able to obtain the security key and serial number on all my devices, he continued with we have to change the security key by obtaining physical XXXX security cards in the form of gift cards. When I questioned that, he said after you make the purchases, you will go home and go to your e-mail account and be able to see the XXXX Refund Receipt. Initially I went to XXXX, purchased 2 {$500.00} dollars gift cards with my American Express card. I opened my laptop, which was now working, went to my e-mail,, with an XXXX refund receipt. ( I have been a XXXX user for many years ). I have copies of everything. He called me back 10 minutes later, and said, it helped to get my computer to work, but my computer was not safe, the cards were old and it didn't work.This happened two more times to the total amount of {$8000.00}. I immediately, notified the local police, the FTC, the FBI, XXXX XXXX, and American Express.They told me not to worry, i would not be held accountable, due to my credit worthiness and history with them, and also my credit habits do not reflect such an obvious scam. I have been receiving bills and finally a debt collector notice. Ive been a XXXX for 38 years, was unemployed when this happened. I am currently working and I just received my first paycheck. Mind you I am 2 months behind on my mortgage. Which says so much about why I wouldn't be purchasing anything from anybody. Please help me, Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 requesting that Transunion verify some accounts that were reporting inaccurately on my credit report. I never received a response. I sent two more letters. oNe on XX/XX/2020 and another on XXXX. I have not received a response yet and these inaccurate accounts are still showing on my credit report causing me to keep getting denied for credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I currently use an app called XXXX which is a payday loan app that uses my bank account information to determine a line of credit. On the app there is a section that displays the bank account balance unfortunately it is not in real time I was in the forms that I could make this complaint to suggest that PNC ( which is the bank account I use ) Partners directly with XXXX so that real-time reporting of the balance can be achieved. This would benefit all other XXXX XXXX users who have PNC as it would inform you of WHEN the loan deposits to the account, expediting the process of knowing when the money is accessible so that requesting the loan and knowing when the money is accessible is taking place in one convenient location, within the XXXX app.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: Experian Information Solutions Inc.
State: CO
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$5400.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5400.00} -This is not my account.

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 2019-09-16
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: Public record information inaccurate

Complaint:
I was checking my alerts on Experian and came across a court record that had been dismissed on XX/XX/2012. This record should not be showing on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I traveled to XXXX on XX/XX/XXXX, and at the airport I wanted to order a XXXX to drive me home. Imagine my surprise when I discovered my account has  been frozen with my funds with no explanation or notification from the bank. I was completely helpless and shocked with no means of transportation. I will spare the details but thank XXXX a very kind stranger helped me out. Days later, I receive a mail saying my account has been closed and my funds ( more than XXXX $ XXXX ) will be sent in a cashier check. It has been 2 weeks already, I havent been able to feed myself properly, I havent been able to work with no means of transportation and I havent been able to pay my rent. I called Bank of America and went to my main branch but they still asking me to wait. I dont know what to do anymore Im desperate. Please can your institution help with my case

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