BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
In an attempt to reduce the number of unsolicited credit card offers I first attempted calling several of the banks including Capitol One ( directly ) and XXXX XXXX ( through the XXXX XXXX XXXX Miles Program ). I was told that I had to " opt out '' either through calling the number on the solicitation or by going on-line. 
I used the online method to opt out on XX/XX/2018 but continue to receive unsolicited offers from Capitol One, primarily, as well as XXXX and XXXX XXXX. 
When I check my credit report I notice that the banks have made numerous credit checks. I'm also concerned about the potential for fraud if someone should try to open an account under my name since there are so many of these solicitations mailed out. 

Is there any way to compel the banks to comply with my request not to send unsolicited offers for credit?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$170.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$530.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX , LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , LA 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 non-monetary relief
Consumer complaint received 2021-07-23
Company: COLLECTION SERVICES OF ATHENS, INC.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX is reporting as a collection account with a balance, however this account has been paid in full. Attached is the payment receipt for the adjusted amount reporting on my credit report. It was paid the collection financial firm that it was directed to. I am requesting immediate permanent deletion from my credit report without prejudice.

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 2020-10-29
Company: EQUIFAX, INC.
State: CA
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:
Dear sir/ma'am, I am XXXX XXXX, I am very diligent in paying my balances. I am an honest person. I managed to get my credit score in ranges of XXXX XXXX by acting with discipline and diligence in paying my dues. This incidence below has led to substantial dip in my credit score from XXXX to XXXX without any fault of mine. 
I want to bring to your notice about in accurate reporting of delinquent account on my credit report. This is about XXXX XXXX # XXXX, as reflected on my credit report. There was a confusion and gap in communication. I never have got any communication and wasn't even aware that I am being charged on that card which I have never used for any transaction. I have spoken with XXXX officials and that has been rectified and corrected infact the same card has a negative balance of ( $ XXXX ). I can attach the statement for the same for your records and review. There is no balance due on me and the recent statement is a proof of that. Can you please suggest how can I get this erased from my credit report of all 3 organizations i.e XXXX, XXXX and equifax. It will be a great help as I have always been sincere and diligent in paying my debts. 
Despite closing with XXXX, I still see the dent in my credit score. The whole event should have been removed without even mention of that, as first there was no fault of mine and 2nd the mis communication was settled with XXXX with resolution of the case. 

Please help me in addressing this huge dent in my credit score with all 3 reporting agencies like XXXX, XXXX and so. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have reached out to credit bureaus to find out who is furnishing bankruptcy information to all three credit bureaus and o was told it was ( XXXX XXXX ). I reached out to XXXX XXXX and I was told they have no record of a XXXX on my profile. I reached back to the credit bureaus to do another investigation and because their information is incorrect and the keep saying information is valid from XXXX XXXX. The credit bureaus are failing to do their job and investigate my complaint.

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 2020-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Dear sir/ma'am, I am XXXX XXXX, I am very diligent in paying my balances. I am an honest person. I managed to get my credit score in ranges of XXXX XXXX by acting with discipline and diligence in paying my dues. This incidence below has led to substantial dip in my credit score from XXXX to XXXX without any fault of mine. 
I want to bring to your notice about in accurate reporting of delinquent account on my credit report. This is about XXXX XXXX # XXXX, as reflected on my credit report. There was a confusion and gap in communication. I never have got any communication and wasn't even aware that I am being charged on that card which I have never used for any transaction. I have spoken with XXXX officials and that has been rectified and corrected infact the same card has a negative balance of ( $ XXXX ). I can attach the statement for the same for your records and review. There is no balance due on me and the recent statement is a proof of that. Can you please suggest how can I get this erased from my credit report of all 3 organizations i.e Transunion, XXXX and XXXX. It will be a great help as I have always been sincere and diligent in paying my debts. 
Despite closing with XXXX, I still see the dent in my credit score. The whole event should have been removed without even mention of that, as first there was no fault of mine and 2nd the mis communication was settled with XXXX with resolution of the case. 

Please help me in addressing this huge dent in my credit score with all 3 reporting agencies like Transunion, XXXX and so. 

Regards, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05
Company: First Data Corporation
State: MN
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I recently checked my balance on the card and was told by the company that there was XXXX $ in my account, I then attempted to use the card to withdraw XXXX $ from an atm and was told there were insufficient funds. Immediately afterwards I checked my balance and was told there was XXXX dollars in the account with no explanation as to where the XXXX $ went. This all occurred on XX/XX/18, there was less than an hour in between the times I checked the balance and no explanation as to what would cause a XXXX $ disparity when no purchases were made on the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29
Company: CITIBANK, N.A.
State: CA
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:
Dear sir/ma'am, I am XXXX XXXX, I am very diligent in paying my balances. I am an honest person. I managed to get my credit score in ranges of XXXX XXXX by acting with discipline and diligence in paying my dues. This incidence below has led to substantial dip in my credit score from XXXX to XXXX without any fault of mine. 
I want to bring to your notice about in accurate reporting of delinquent account on my credit report. This is about CITICARDS CBNA # XXXX, as reflected on my credit report. There was a confusion and gap in communication. I never have got any communication and wasn't even aware that I am being charged on that card which I have never used for any transaction. I have spoken with citibank officials and that has been rectified and corrected infact the same card has a negative balance of ( $ XXXX ). I can attach the statement for the same for your records and review. There is no balance due on me and the recent statement is a proof of that. Can you please suggest how can I get this erased from my credit report of all 3 organizations i.e XXXX, XXXX and XXXX. It will be a great help as I have always been sincere and diligent in paying my debts. 
Despite closing with Citibank, I still see the dent in my credit score. The whole event should have been removed without even mention of that, as first there was no fault of mine and 2nd the mis communication was settled with Citibank with resolution of the case. 

Please help me in addressing this huge dent in my credit score with all 3 reporting agencies like XXXX, XXXX  and so. 

Regards, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Good Day, My name is XXXX XXXX, former address XXXX XXXX XXXX XXXX, XXXX FL, XXXX. My previous FHA Loan was with XXXX XXXX. I sold my home in XX/XX/XXXX because I am XXXX XXXX military and had to move to XXXX. XXXX is reporting 19 late payments on my account which is completely inaccurate and I have the bank transcripts to prove this, which have been sent to them through two different disputing agencies. There was partial payment made throughout the history of the loan by mistake from when my spouse, who was going through 2 years of XXXX and XXXX, made partial payment. Unfortunately while I was XXXX, she had to remember and cover down some of our bills. This was also provided in the dispute sent to XXXX. Right now I am XXXX and my Wife ( In remission from XXXX ) and XXXX year old XXXX are homeless because the reporting of my mortgage payments is false and I can not receive a new home loan. 

I would like them to report what payments were missed and what payments were late and also provide some form of documentation to me in the meantime while my credit updates so that I may in tern provide this to a new lender in an effort for a new loan. If I made a payment for XX/XX/XXXX, in XXXX of XXXX it should report as such. If XXXX of XXXX was missed, then that should report as well. At least then I can pinpoint the time and location of why the payment did not make it to the mortgage lender, for example, I received a XXXX XXXX XXXX bill in XXXX  of XXXX, or I was out to sea and unable to access internet or communication devices. 

Thank you for your time and If you can provided any assistance in this matter I would greatly appreciate it. 

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 2023-01-21
Company: Olympus Law Firm, PLLC
State: ID
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Illegally sued me and started garnishing wages on a 7 year old account without serving any documents. First payment was garnished XX/XX/2023 for almost XXXX $ also has an extremely bloated amount that is extremely incorrect for the original debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: ERC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This is a fraudulent charge, I never signed-up for their any service and they have not provide any service to me, I want to remove them from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
Company: Experian Information Solutions Inc.
State: VA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My current credit report reflects two Kentucky Higher Education Student Loans with the same account numbers, open dates and closed dates. They both state that the account was transferred, closed/Never late. They have to different loan amounts Kentucky Loan 1- Closed XX/XX/09 for {$10000.00} Kentucky Loan 2- Closed XX/XX/09 for {$8500.00} Could not submit dispute because I had to wait until others account disputes were settled.

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 2023-09-29
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
XXXX XXXX  account XXXX - fraud XXXX late payments during covid XXXX ( never late ) XXXX late payment XXXX XXXX 2023 ) never late XXXX XXXX XXXX - XXXX  remove ( XXXX  switches collection places every month ) act XXXX XXXX  never late I need the fraud account delete and the XXXX XXXX  < XXXX  - remove late payments. I am applying for my first home. 

In accordance with the Fair Credit Reporting Act all the accounts listed above have violated my rights. 
15USC 1681 section 602A. States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : Its 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 non-monetary relief
Consumer complaint received 2023-01-21
Company: Bread Financial Holdings, Inc.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have had a XXXX account for about XXXX XXXX. It has been on automatic electronic payment for a long time. 

XXXX. XXXX statement shows a balance of {$550.00} with a payment due on XX/XX/XXXX. 
XXXX. Payment of {$550.00} made on XX/XX/XXXX. 
XXXX. XXXX statement shows payment of {$550.00} received on XX/XX/XXXX, but they charged interest on this XXXX balance (? ). The electronic payment that would cover this " interest '' was not made. XXXX is unable to explain why the electronic transfer was not made. 
XXXX. XXXX statement includes a {$10.00} fee. The electronic payment was not made. XXXX is unable to explain why the electronic transfer was not made. 
XXXX. XXXX statement includes a {$20.00} fee. The electronic payment was not made. XXXXCard is unable to explain why the electronic transfer was not made. 

I PAID MY BILL IN FULL ON XXXX XXXX, have given XXXXCard access to take electronic payments and continue to be charged fines and my credit rating continues to drop. No evidence is attached, because it's all documented in their statements.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-02
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have called wrote and disputed unauthorized hard inquiry pulls and All I have gotten is a negative responce and rudeness. Including ; XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX all on XX/XX/XXXX. I specifically stated not to run my credit with anyone other than my current finance company. XXXX card XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX all happened on XX/XX/XXXX. They were also not given permission to sabotage my credit report. XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX. 
Inquiries that are also supposed to be removed already is XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX  XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX and XXXX XXXX XXXX on 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 non-monetary relief
Consumer complaint received 2023-11-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
Took advantage of a balance transfer offer with XXXX for $ XXXX on XX/XX/XXXX. As of XX/XX/XXXX check was not received by XXXX XXXX. Called in and XXXX did not know where the check was, and sent it to an unknown address that they said was not the correct one. Issued another check after I confirmed the correct address but will take another 15 + days where I have to pay interest, and my credit score is negatively effected. Will not provide tracking for new check or recognize error, and now I have an extra XXXX sitting in one of my accounts. Will not provide ANY concession for their error. Now I have an extra $ XXXX of credit usage effecting my score, and have to continue to pay interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: BROKER SOLUTIONS, INC.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My principle income comes from social security and a modest pension. In XXXX of last year I decided to re-finance my existing mortgage. I have an XXXX credit rating and no other debt. Several companies were prepared to refinance my mortgage. Throughout the process the working number provided by New American was a monthly payment of {$1600.00}. I provided EVERY SINGLE DOCUMENT RQUESTED IN A TIMELY MANNER. 7 DAYS AFTER CLOSING I received a letter saying that New American was insisting on additional flood coverage that would INCREASE MY MONTHLY MORTGAGE BY {$200.00}!! 
This was never discussed for the two months prior to closing. My previous lenders did not request such coverage. Again, New American had two months in which to bring this subject up BEFORE CLOSING. That was the appropriate time to do so. Had they, I would have gone to another lender. 

Mortgage Timeline - XX/XX/2021 : first contact with XXXX XXXX - XX/XX/2021 : Phase 3 : Underwriting is looking into the background of all involved parties and reviewing your entire loan package based on income, assets, and documentation. 


- XX/XX/2021 : Emailed to XXXX a copy of my current flood policy - XX/XX/2021 : received document titled CHANGED CIRCUMSTANCE DETAIL with a list of changes that still did make any mention of additional flood insurance Estimated Monthly total Payment {$1500.00} - XX/XX/2021 : I received document with the following language : - We only need these last few items to continue to closing ; 1. Please provide a copy of your flood insurance policy. I have the homeowners insurance policy but it does not show the flood coverage. Is this in a separate policy?

2. Ive attached the flood FEMA findings. Please sign on page 2 - XX/XX/2021 : Signed Closing documents : XXXX + XXXX = XXXX - XX/XX/2021 ; Please Provide XXXX XXXX 7 days after closing!! 

- Statement : XX/XX/2021 : XXXX - Statement : XX/XX/2021 : XXXX - Statement : XX/XX/2021 : XXXX NOW NEW ANERICAN SAYS MY MONTHLY PAYMENT IS TO INCREASE BY {$200.00} A MONTH!!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation