BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-22
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: Investigation took more than 30 days

Complaint:
This started in XXXX of XXXX when I was hospitalized for 3 weeks due to XXXX. I had my wife contact XXXX XXXX and they promised to move my payment then turned around and reported it late. When I lost my job due to Covid they offered me a program that would save my cars so that I would not lose my vehicles and I accepted the program and they in return posted all the payments late while I was under a program that they offered. I wrote them several letters and disputed every late payment and they have refused to honor their program. I scheduled prepayments and they promised that the account would be secure and not reported late yet they reported each payment late. They have yet to respond to my request to remove them and it has grossly affected my credit and my ability to move and secure residence for my family. They can clearly see that I honored each payment and since returning to work in XXXX I have yet to miss a payment and I always pay more than the payment due. They even have a late pay that reported in XX/XX/XXXX and I have not missed 1 single payment since going back to work and both my accounts reflect current, up to date and timely payments. Please assist me in getting this matter resolved because all of my efforts has failed. 

XXXX XXXX Months to Dispute : XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Months to Dispute : XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX / XX/XX/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 explanation
Consumer complaint received 2021-12-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I am a consumer and I feel that my federally protected consumer rights have been violated. This company told me they do not operate under the fair credit reporting act. And They dont have to follow by what Congress put in the guidelines under 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/2020 I made 3 reservations for 5 hotel rooms for a family wedding in XXXX, NY. The rooms were paid in full on my credit card with the understanding a full refund was available if cancelled within 21 days of the event ( XX/XX/2020 scheduled wedding ). 
the wedding was cancelled due to covid and I notified XXXX and the hotel directly to cancel the reservation on XXXX XXXX. The hotel kept giving me excuses why I hadn't received my refunds so I pursued a dispute with my credit card company ( Capital One ). They processed the credits to my account but then reversed 4 of the 5 credits saying the hotel had processed refunds. The hotel only processed 3 refunds not 4. They erroneously referenced the wrong ARN number on their response to Capital One. I again disputed the 4th refund and provided full information to Capital One. They sent me a letter asking for additional information on XX/XX/2020. I replied that the requested information had already been uploaded to them. They have closed out the dispute without a refund and told me to pursue to refund with the hotel. I pursued again with hotel and XXXX and they said no refund because I am pursuing it with the credit card company. I have exhausted every avenue and I would appreciate help in recovering my {$160.00} erroneous charge

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 sent in a letter to Trans union disputing inaccuracies its been 30 days now and I haven't update as of yet.

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 2019-09-13
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: Information belongs to someone else

Complaint:
I have been a victim of Identity Theft

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 2018-07-28
Company: CBM Services, Inc.
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I sent this debt collector CBM Services Inc XXXX XXXX XXXX Michigan XXXX file # XXXX XXXX XXXX There phone number is XXXX Local # XXXX I sent them a Certified Letter on XX/XX/XXXX with return receipt regarding my debts that they say I allegedly owe. 
I was requesting a collection account validation. 
On the alleged debts that they say I owe upon. 
In my letter I advised them that if there is any violations of my federal and state HIPAA privacy laws violations of the Fair Credit Reporting Act violations of the fair debt collection procedures Act or definition of my character. 
that I would possibly take legal action against them. 
And in this regards they have 30 days to advise me and I have 30 days to comply. 
All I wanted was a credit or debt collector declaration. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
alleged amount. 
Address on file of alleged Debtor. 
Amount of the alleged debt. 
Date that the alleged debt became payable. 
Date of the original charged off or delinquency. 
Was the debt assigned to the debt collector or purchased? 
Amount paid if that was purchased? 
Commission for debt collector if collection efforts are successful? 

I called the collection agency yesterday XX/XX/XXXX because I received their correspondence with nothing that I requested on it. I spoke to a representative and she could not give me any information so she switched me over to her manager. Her manager then advise me it was not my business about the debt and thats what I owed.I asked if they obtained it or purchased it and for what amount and if there was a commission if the debtor was successful at collecting the debt nor she would not respond and said it was not my business if the debt was purchased or not and the amount that it was purchased. I owe what I owe and they don't have to tell me anymore about the alleged debt 's and they don't care it will stay on my credit 7 to 10 years. Her words end of discussion and she hung up on me.

I also advised her before she rudely hung up on me without giving me any information and her words or end of discussion click I said I had medical insurance XXXX and XXXX I was involved in a major motor vehicle accident in XX/XX/XXXX so I've been on Social Security XXXX ever since with XXXX and XXXX as my insurance. 
I'm requesting that you look into this for me and see what you can do so this doesn't happen to other people from debt collectors regarding medical collections. and the debt collectors don't even care about giving you information about circumstances or about a person 's credit report.. 
Also that's it's in violation of 3 major laws. 

Thank you very much for your time to read my complaint and help me to resolve it. 

Sincerely XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
Company: EQUIFAX, INC.
State: NY
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:
On XX/XX/2019 I tried to get my free annual credit reports. I succeeded with XXXX and XXXX. I answered all of Equifax 's security questions accurately and was subsequently notified that they couldn't provide it online ( screenshot attached ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-28
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: Old information reappears or never goes away

Complaint:
I called the company a few weeks ago and asked them when they would stop reporting to credit bureaus and I was told that it would be removed once my bankruptcy has discharged. My bankruptcy has discharged and they are still reporting to the credit agency Equifax that the account is still open in collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-28
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:
For the last four years Ive been disputing an account by XXXX  on my credit report- around the time my identity was taken and I was XXXX  in the hospital, this loan for a car was taken out with my name on it, by my roommate whom I know is the one who stole my information and her car dealer friend used my social and credentials - this is taking a toll on me and my family - given the fact that Im already XXXX and things are already hard, I cant get a house because i have this car on my credit, when I dont even drive! Nor have I ever seen this car. Please help me Im at my wits end : it was removed and then put back on my report and I dont know why when this account was fraudulent - I even sent them a police report from when my wallet and important documents went missing from my home - I have disputed this multiply times and the company is harassing me about this account and saying Ill be arrested and they can freeze my bank accounts, I only have XXXX! I cant even afford my rent, let alone a car - that isnt mine! My name is XXXX XXXX, Im going to have a XXXX XXXX XXXX, Im XXXX and XXXX  XXXX and I cant take this anymore Nd need to move on with my life - I cant even buy a house for my family or get a loan bc of this ignorant person taking my identity

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 2018-07-12
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I was charged associated fees by my rental company due to Chase not clearing my check. The check I wrote on XX/XX/XXXX was good at the time as there wasn't any suspicious activity in my checking account. When the rental company tried to clear the check on XX/XX/XXXX ( I reported wiring fraud on my checking account in between XX/XX/XXXX - XX/XX/XXXX ) it didn't go through as the account was already frozen. I read the rental agreement and it states that checks that is returned for ANY reason ( doesn't account for criminal activity ) the renter is responsible for it. I have brought this up to Chase and they said they can only rescind fees that they charge against me. Chase hasn't been able to secure my account ( there are still multiple open wiring fraud investigation in my account and I can't clear my own money because of it ) and still thinks that I am the one who is responsible for this fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
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:
I RECEIVED A CALL FROM A STUDENT loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX XXXX {$240.00} XXXX XXXX XXXX {$4600.00} XXXX XXXX  XXXX {$270.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04
Company: Fidelity National Information Services, Inc. (FNIS)
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:
On or around XX/XX/XXXX I submitted a dispute with ChexSystems in regards to some misleading information on my ChexSystems report. After about 45 days, I never received a response in regards to my dispute.

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 2018-07-28
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2018 CFPB complaint # XXXX was filed. The complaint requested that USAA report account # XXXX as " paid '' and " closed ''. USAA responded to the complaint on XX/XX/2018 stating information that the loan ending in XXXX was " included in a ChapterXXXX/Discharge status '', yet a balance of {$160.00} was due. This can not be true as you can not Discharge a Chapter XXXX and still have an account balance. Something is wrong here. It appears that USAA is 1 ). Calling into question the competency of the Trustee and Bankruptcy Judge, and, 2 ). Wants payment of {$160.00}. I request further clarification from USAA to what it will take for them to report account # XXXX as " paid '' and " closed ''. In the response to the previous complaint USAA only obfuscates, going over the Chapter XXXX information, ( although their numbers and the numbers on the Chapter XXXX Disbursement Schedule do not match ), and blaming the CRAs for not reporting information correctly - even though the merchant tells the CRAs what to report. Ultimately, USAA does not address why they will not report the account as paid and closed. I have included as attachments the initial complaint, credit report, my Chapter XXXX Disbursement Schedule, and Chapter XXXX Discharge Letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 XXXXXXXX XXXX XXXXXXXX, DEPT OF EDUCATION/XXXX XXXX, XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 15 U.S.C 1681 Section 602 A states that I have a right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states that a Consumer Reporting Agency can not furnish an 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 2018-07-12
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
For the past 6 months, XXXX XXXX has IGNORED all of my validation of debt letters sent to them, and have NOT sent me any of the specific documents that I have requested each time to be sent to me. They are reporting false information to the credit bureaus, stating that the account information is accurate, even though they have not sent me any of the specific documents that I have requested in all of my letters under my FDCPA rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-28
Company: NAVY FEDERAL CREDIT UNION
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Navy federal Is refusing to assist me with my dispute I left my purchase in the fitting room when I realized I dont have my purchase I immediately went back to the fitting room and terribly it was gone now I am pay and making payment for a purchase I dont have

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
I checked my credit score today on XX/XX/2019 and noticed my score had dropped from XXXX to XXXX as of XX/XX/2019 due to a derogatory public record that is unknown on my account. I spoke with XXXX, TransUnion, and ordered my annual credit report and still found no trace of what the derogatory record is. I received no help on the phone with either company pertaining to the manor, as they both said the same thing and transferred me to multiple individuals who also said the same thing. I also noticed that my TransUnion score is XXXX, so why is my FICO score XXXX? I have not filed for bankruptcy, foreclosure, or civil judgment of any kind. I have been paying my credit card on time each month as well as paying more than the minimum each time. I was never informed as to what is on my record so that I could fix it or if it is a mistake. I would like this matter to be taken care of as soon as possible, as the affect on my credit score is keeping me from getting approved for an apartment/ house.

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 2018-07-28
Company: CITIBANK, N.A.
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:
Upon receiving a print out of my credit report I found that Sears/CBNA was reporting an active account as current with a balance of {$6600.00}. I reach out to the fraud department at Sears. I told the Sears representative that I never applied for credit and that the account should be closed and removed from my credit report asap!!!!. I was told that the account would be sent to the department that handles those matters and that if in fact it was a fraudulent account they would close the account and remove it from my credit report also I would receive a letter with in 10 days stating the outcome. four months past and nothing was done so I printed another report on XX/XX/18 and the account still shows as active with the same balance. I reach out to Sears fraud department again on XX/XX/18 and after spending all day on the phone they couldn't produce any evidence like sing application, or photo Id. Sear could not proof or give me any answer as to how they open and account without verifying my identity or information. They told me that the only thing they could do is remove my name from the account and that would be all they could do for me. I requested for the account to be erased and removed on its entirely 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 non-monetary relief
Consumer complaint received 2020-12-10
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I have XXXX loans issued through the Federal Family Education Loan Program that are held by Navient. I was under the impression that under the CARES Act, these federal loans would be subject to a reduced interest rate ( 0 % ). I have learned today that is not the case as the " owner '' of these loans is Navient Trust, which would technically make my federal loans privately owned and exclude them from the benefits of the CARES Act. I had no say as to who my loans were sold and believe this is a criminal act against the 14+ million students who have been impacted during this especially tragic time. I do not want to pursue a class action lawsuit will feel forced to if this injustice is not addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-28
Company: JPMORGAN CHASE & CO.
State: NJ
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
In XX/XX/2017 my credit card company detected suspicious activity and alerted me to a series of casino and cash transactions in rapid succession. They discovered fraud and reversed those charges and issued a new card. HOWEVER since that time they have charged me interest on those fraudulent cash advances every month. I have called to try and resolve it but every time I am transferred to four or five different representatives and have to leave a voicemail and NEVER receive a call back. No rep can explain why I continue to be charged for cash advances that I never made and were reversed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-16
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: Information belongs to someone else

Complaint:
MY IDENTITY WAS STOLEN MY INFORMATION WAS USE TO OPEN SEVERAL FRAUDULENT ACCOUNTS IN MY NMAE WITH MY SSN AND MY PHOTO ID

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