BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-14
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
I pay my account on time every month on line. One month i got notified that it was paid on time by the website but then then 30 days later i was notified that they never received the payment and then a 30 day late pay was put on my credit report. I have tried to get it removed from my credit report but have not been successful even though the late pay was by no fault of my own. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I was the victim of the Equifax data breach. I never received compensation for their inability to keep my data secure. Because of the data breach Equifax continues to list my name incorrectly despite repeated dispute attempts whereby I provide my driver 's license as proof. I have done this twice. The name that they have listed was NEVER my name and they refuse to replace this name with my correct legal name. This is disabling me financially and costing me thousands of dollars in high interest. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: Experian Information Solutions Inc.
State: NY
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:
Hello, I had sent a letter to Experian regarding some inaccurate information on my credit report and for them to remove and fix the accounts on XX/XX/2020. I sent them a follow up letter on XX/XX/2020 and still no reply. From my understanding they are in violation of section 611 ( a ) of the fair credit reporting act. I have attached the two letters for your investigation.

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 2020-04-19
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
This Complaint is directed towards Equifax, XXXX  and XXXX. On numerous occasions I have sent disputes letters regarding a fraudulent Bankruptcy on my credit report on XX/XX/XXXX. The Bankruptcy reports being dismissed on my report, I explained it must have been an error. I sent a document from the court that they did not give them any information on a Bankruptcy case. On XX/XX/XXXX Equifax removed a Bankruptcy off of my credit report and added the same day. I have enclosed screen shots from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: The CMI Group, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I just received notice that Credit Management LP ( Collection Agency ) has been added to my report report and it has damage my credit rating. In reviewing the information on all three credit report, I discover that Credit Management LP is allegeing that I owe {$450.00} to XXXX XXXX - XXXX. 

Back On XX/XX/2020. I had submitted a request to CFPD in regards to this matter. CFPB reference no : XXXX. It was determined that the information was unable to be validated and the it would had been removed from my credit report. I checked my Credit report in XXXX and the information was removed. 

Credit Managment LP is trying to collect an account that has already been disputed. 

I really need the help of the CFPB, Credit Management LP is re-polluting the information on my credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-08
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I lost my wallet in XXXX. I immediately filed a police report. Since then, information has appeared on my credit report that does not belong to me. I have requested copies of my original signatures from creditors and the credit bureaus, yet I have never been provided with such. Not only have accounts been opened, but some of them have gone into collections. I have done all I can to resolve this. Next Step will be a civil suit against all 3 credit bureaus for reporting false information. The accounts listed below DO NOT belong to me, XXXX XXXX, and should be immediately removed from my credit report! Thank you, 1 ) Date Opened : XX/XX/XXXX XXXX XXXX XXXX - Balance {$2100.00} 2 ) Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX - Balance {$20000.00} 3 ) Date Opened : XX/XX/XXXX XXXX XXXX XXXX - Balance {$11000.00} 4 ) Date Opened : XX/XX/XXXX XXXX - Balance {$1500.00} XXXX ) Date Opened : XX/XX/XXXX XXXX XXXX - Balance {$1000.00} 6 ) Date Opened : XX/XX/XXXX XXXX XXXX - Balance {$1500.00} 7 ) Date Opened : XX/XX/XXXX XXXX - Balance {$190.00} 8 ) Date Opened : XX/XX/XXXX XXXX XXXX XXXX - Balance {$2900.00} 9 ) Date Opened : XX/XX/XXXX XXXX XXXX - Balance {$1100.00}

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 explanation
Consumer complaint received 2021-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
The 'annual free credit score ' link in your website : XXXX XXXX XXXX.action leads users to a labrynth of links that ultimately do not resolve into a credit score unless you have a link map that will navigate the user through multiple 'enter your credit card ' pitfalls into something that will actually tell you what your credit score is. I know the agencies to whom I owe money. I just want to know if I can rent an apartment, buy a car, or qualify for a mortgage. Can we please just have a clear indicator of what our scores actually are? This is insane, seriously. This link is not a bridge to a free credit score. It's a shameless hand out to credit companies trying to talk responsible adults into taking out more lines of 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 2020-07-15
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/XXXX, I applied for a loss mitigation package. After filling out all the paperwork, I just received notification XX/XX/XXXX, I was denied. In XXXX, I refinanced my mortgage. Two weeks later Hurricane Sandy hit and my home was damaged. A year later I lost my job. I managed to keep my mortgage current until these past few months. I have 8 years left and owe approximately {$140000.00}. I would like to extend the term so my payments would be easier to manage. Santander told me my income is too low to do that. Obviously that is the reason I am doing this. XXXX XXXX NMLS MLO # XXXX, is my loss mitigation specialist. I explained I can increase my income and he said to resubmit the loss mitigation package and it will be rejected again. He told me to plan my exit strategy. As it is only a matter of time before the house is in foreclosure and people will be like birds pecking all over me. He told me no one will make an exception for me.

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 2020-07-15
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem when attempting to purchase vehicle at the end of the lease

Complaint:
XX/XX/XXXX - > XXXX XXXX leases XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX NJ. XXXX XXXX matures XX/XX/XXXX020.

> I have a pre-approval for a payment of {$290.00} from Nissan. 
> My wife has driven and would very much like to keep the vehicle > To lease another of same exact vehicle with a slightly lesser sticker than ours had, will require a lease payment " increase '' far greater than $ 110 monthly. 

XX/XX/XXXX - > I was Invited to do so with a great loyalty opportunity, > I visited my XXXX XXXX Nissan dealership with an offer of something special for me to lease a new Rogue S.

> My vehicle leased XXXX XXXX has less than XXXX miles on odometer. 
> I refused a horrible deal -with a {$330.00} lease payment > Dealer wants only to lease new on and grab my vehicle for resale with XXXX mi THE CRUXT OF MY ANGUISH HERE. I have been attempting to communicate with Nissan Motor Acceptance for the past three months. 

> You can not contact this company by any means you may attempt. 
> No phone calls are handled in person, > No emails. 
> I write them -- they never respond. 
> I sought to see if I can work with them directly as two different dealers I have met with only show a desire to get me into a new vehicle and get mine for resale. 
> I sought to get a XXXX extension on the lease due to all the dealer and pandemic issues. XXXX never answered a single letter. 

THIS JUST HAPPENED TODAY XX/XX/XXXX. 
> I have XXXX XXXX in XXXX NJ looking to supposedly help me PURCHASE the Rogue at lease end > It appears they are attempting to get me {$2000.00} more loan than i need > This dealer has not been forthcoming on lender or loan amount although asked XXXX My assistance request is for CFPB to compel XXXX XXXX XXXX XXXX XXXX XXXX XXXX to give me the courtesy of working with me directly to purchase the vehicle without visiting their less than professional dealerships possessing ulteriior motives to sell or lease a new vehicle. 

> That is all we can ask in this situation. 

> Customer service at XXXX is non-existent. 
> We would like not to have to deal with auto dealers that have shown themselves to be unprofessional and in some ways, outright devious.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: Experian Information Solutions Inc.
State: TX
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:
Texas XXXX XXXX XXXX from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX + XXXX XXXX XXXX 
XXXX XXXXXXXX XXXX Inquiry from XXXX XXXX, XXXX + Auto Financing Ally Financial Inquiry from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New XXXX XXXXXXXX Inquiry from XXXXXXXX XXXXXXXX, XXXX + XXXX XXXX  XXXX Inquiry from XX/XX/XXXX + XXXX XXXXXXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous Utilities XXXX XXXX, XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXXXXXX XXXX - XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX + XXXXXXXX XXXX XXXX XXXX. 
XXXX - XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous Utilities XXXX  XXXX Inquiry from XX/XX/XXXX + Miscellaneous XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX Inquiry from XX/XX/XXXX + Miscellaneous XXXXXXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX - Card Service Inquiry from XX/XX/XXXX + XXXX XXXX XXXX  XXXX. 
XXXX XXXXXXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks all ftc violations sent to them 60 days ago

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 2020-11-09
Company: EQUIFAX, INC.
State: MN
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:
My credit cards has been lost/stolen and all the charges and transactions on the following credit card accounts are fraudulent : XXXX XXXX XXXX  for {$290.00} and XXXX XXXX XXXX  for {$210.00}. The XXXX XXXX XXXX and XXXX XXXX XXXX credit card accounts listed on my Equifax and XXXX  credit report are lost/stolen, and all the transactions on the credit card accounts are fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Old information reappears or never goes away

Complaint:
The account is 3 years old. Ive paid it off while settling. Was told in XX/XX/XXXX that the account will be deleted and updated to the credit bureaus. XX/XX/XXXX the account says a XXXX balance but Portfolio Recovery wont provide a deletion letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23
Company: TRANSUNION INTERMEDIATE 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 status incorrect

Complaint:
XXXX is reporting a 90 day late payment in XX/XX/XXXX. My student loans were and have been in income based payments during the time with a payment of {$0.00}. To make matters worse, although XXXX accepts payment as one loan, it is reported as 5 different loans, therefore all 5 show late payments. I have requested that they remove the reporting of the late payment ( since I can not possibly be late on a {$0.00} payment ) to no avail. 

I have also disputed the information with the credit reporting agencies without success. 

Interestingly, XXXX has mailed information to an address that I lived at from XXXX  XXXX-XXXX  XXXX  in Michigan. I did not give them the address and I did not even attend college until XXXX. I have not lived in Michigan since XX/XX/XXXX, nor provided that address to any company or individual since that time.

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 2018-04-08
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
This is concerning my credit card I have with HSBC. On mystatement dated XX/XX/2017, a payment in the amount of {$2900.00} was due on XX/XX/2017. I made a payment for {$2800.00} on XX/XX/2017. I missed one item that was charged later and did not have a statement. Since my full payment was not received by the payment due date reflected on my billing statement, an interest charge of {$48.00} was assessed on my account. I requested a refund or reduction, because the amount charged for a simple mistake is inappropriate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
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: Was not notified of investigation status or results

Complaint:
I recently sent letters over 60 days ago to this bureau and they are disregarding my consumer dispute. Im stressed and have been sending letters before this and still no response. I am at the end of the road and filling this complaint. At this point I dont know what to do, about getting these items removed from my credit report. With these items on my report I am unable to get employment in my field and having difficulty finding housing. I would greatly appreciate your 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 2020-11-08
Company: CITIBANK, N.A.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened a city priority package on XX/XX/XXXX, and deposited XXXX in total to the checking and saving accounts before XXXX. After 60 days, I chatted with agent in the app two days ago, she said I met the requirement of the bonus, but need to wait another 90 days for the bonus to appear in my account. I called Citi on Friday again and rep. said she was not sure if I could pull the money out because this could make me not qualify for {$700.00} because the XXXX needs to stay in account for ADDITIONAL 90 days after first 60 days.

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 2023-06-18
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
Please remove the incorrect addresses from my credit file. 
They have never been used by me for mailing or credit application purposes. I have requested for them to be removed many times. This is a violation of the Fair Credit Reporting Act. I have attached a notarized certificate of residence affidavit as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Hello, I received a letter in the mail that Bank if America is removing Auto Rental Collision Damage Waiver which is a term benefit of being a card holder. I was not provided with an explanation of why this benefit is being removed or what my options are as a card holder. 

I obviously would not want to use a company that does not offer this benefit but I also do not want my credit history being affected should I cancel these cards out and seek a different bank. 

I would like an investigation done and my options provided. Customer service claim that they had no idea that Bank of America was doing this.

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 2020-12-05
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: Information belongs to someone else

Complaint:
I have disputed the following accounts directly with the credit bureaus but did not receive any response : 1. XXXX XXXX XXXX - Account # XXXX* 2. XXXX XXXX Account # XXXX Please investigate and delete asap.

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 2023-05-17
Company: EQUIFAX, INC.
State: PA
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 writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-30
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: Personal information incorrect

Complaint:
I sent a letter to remove these personal information that UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these personal information not later than 4 business days. 
XXXX XXXXXXXX XXXX XXXX, OR XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Date Updated : XX/XX/XXXXXXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXXXXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2019-08-27
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I have sent in a dispute letter asking for the contract where I supposedly signed for this account. I sent in 3 dispute asking for proof and have not received anything yet the credit bureau continue to state this account has been verified, but how? I have not gotten any documents from this collection company with my signature I signed.I sent factual proof that this account was inaccurate and reporting incorrectly to my credit and should be removed. I have been sending out dispute letters since XX/XX/2019.

Company response to consumer: Closed with explanation