BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-25
Company: Experian Information Solutions Inc.
State: NV
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: Other problem getting your report or credit score

Complaint:
This complaint is against Experian Credit Bureau and is being sent to the XXXX XXXX XXXX along with the Consumer Financial Protection Bureau. 
Now, Experian has a TV ad which has been playing on the Television ( TV ) during the month of XXXX, 2019. Experian is offering a free credit boost to all consumers which does not state any requirements. Then, on XX/XX/2019, I went onto Experian.com/boost, onto my Experian account and tried to get a free credit boost as it was advertised on TV. When I got onto my Experian account, Experian requested my private information such as utility bills payments and bank account information which violates consumer privacy rights! Please see exhibit 1, 2 and 3. Per state laws, when companies advertise, they are required by law to honor there advertisement! Nevada law, NRS 207.175 states ; making any false or misleading statements through TV, radio, publications, websites or in person is a violation. Now, how can consumers know if Experian will lawfully/unlawfully use consumer bank information? Experian has clearly violated consumer rights, falsely stated that this credit boost was for free and requesting information on consumers which Experian does not have the right to have and the information that Experian is requesting does not pertain to credit purposes! Banking information along with utility bills are not required for credit purchases. Experian does not have the right to have bank information along with utility bills on consumers. Experian must be held accountable for their actions including but not limited to the following ; fines being imposed, provide free credit boost as advertised without any requirements, loss of business license, criminal charges filed, lawsuit, compensation to victims.

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 2019-05-15
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Upon viewing my credit report a collection item appears on my report for which I had no knowledge I have enclosed a letter from the debt collector stating the account is being disputed and that they have ceased all collection on this account however the credit bureau has refused to remove the item from my credit file Collection company name XXXX XXXX XXXX Creditor XXXX XXXX reference number 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 2021-06-21
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: Was not notified of investigation status or results

Complaint:
I submitted a letter on XX/XX/2021, about inaccurate and unverified information on my credit report, and I have yet to receive a response, ignoring the fact it has been over 45 days. I feel as though I'm 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 45 days, and they should be erased immediately. I demand that these accounts be removed immediately, or I will file a litigation to compensate me for the pain 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 2020-05-06
Company: Credit Karma, LLC
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:
I have been trying to check my credit score on Credit Karma and it says every time that my information is incorrect and doesnt match the credit bureaus records, all my information is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: PNC Bank N.A.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
PNC bank intends to defraud its customers. This month I incurred 2 overdraft fees that were unreasonable. On XX/XX/XXXX at XXXX I handed my landlord a check for my rent. She called me to tell me that she had been busy and that she would mobile deposit the check that evening. That evening I signed up for a free trial of XXXX not aware that they would still charge my card {$1.00} ( apparently for verification purposes ). On XX/XX/XXXX I wake up to an overdraft fee. PNC is claiming that they processed my rent check and the {$1.00} in less than 12 hours. I emailed to try to get this unreasonable fee waived and was denied, the representative suggested that I keep some money my savings account to cover future overdrafts. Fast forward to XX/XX/XXXX. I was charged an overdraft fee for pizza that I purchased for my children totaling {$26.00}. I definitely did n't understand this charge because I had put {$50.00} in my savings account 2 weeks prior. When I called the PNC representative told me that my savings account had been closed a year prior. I asked several questions regarding the closure of the account or why the previous rep suggested that I put money into a closed account and she had no answers and was not able to waive the fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-10
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I have a Citi Prestige and I love my card. I travel frequently ( or used to travel before covid ) and my Citi Prestige is my trustworthy companion. Now, since I've had nothing but great service with Citi, I've been wanting to open a Citi Double Cash for the longest time. I remember when I opened my Citi Prestige I received a $ XXXX XXXX credit line, and I called to lower it to {$10000.00} since I didn't need that much. By the way, I've never been late on any payments, and my balance is zero. I checked my credit score provided by Citi from XXXX  and it is XXXX. I checked my XXXX XXXX from XXXX  today also and it is XXXX. I have a good paying job and always pay my bills on time. I applied in XXXX of XXXX for the Citi Double Cash and was denied. I didn't understand why, but thought maybe it was because I needed to expand my relationship with Citi. I applied again on XX/XX/XXXX and got denied. I called the number provided in the email, and a very nice gentleman explained me they just couldn't approve me, but offered no further information. Now, I'm not upset and I will continue my relationship with Citi because I trust them. However, it would be nice if somebody could look into it for me and realize I'm a good, loyal customer and see if I can either be reconsidered, or at the very least told what they're looking for in a customer who applies to a Citi Double Cash. This way I can set myself on a path to meet whatever requirements are needed.

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 2023-01-10
Company: Experian Information Solutions Inc.
State: GA
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:
This company has caused a great deal of suffering with reporting my credit not only was there a breech with my personal information I never authorized them to report or have my information to begin with Ive called but they did nothing to be proactive nor reactive in this situation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
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 was a victim of identity theft on XX/XX/2021. I was alerted by my credit bureau app that there was 3 new hard inquiries for credit card applications Capital One, XXXX, and XXXX XXXX. All of them have been removed and applications canceled except Capital One is still reporting to XXXX  that this is a true and factual Hard inquiry. I called Capital One the day the identity thief applied in my name and they assured me the application was cancelled, flagged as fraud and that they would alert all three credit bureaus to delete the fraudulent hard inquiry. I also filled out an Identity Theft report on the FCC website aswell. I want and deserve this item to be removed I have been through enough with this stressful event and hardship.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-05
Company: Lockhart, Morris & Montgomery Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a notice on my credit report that I had a new collection from Lockhart, Morris and Montgomery that I owe the amount of {$340.00}. I inquired what this was as it states this is from a hospital that I was seen at in XXXX. I called XXXX XXXX  which is now known as XXXX XXXX and spoke with their billing department and they state that I owe nothing and have a XXXX balance. I asked XXXX XXXX about their collection agencies they use and if Lockhart, Morris and Montgomery is one of them, and they replied No. They collect in-house using their own collection department. They have never heard of this company. I then took it one step further and I called the VA and asked if they could help since I am seen at the VA and I am a XXXX veteran. The VA stated they can not speak with this agency as they are claiming to be a law firm. I do not owe this debt, the original place XXXX XXXX  now known as XXXX XXXX states I do not owe anything and I have no outstanding balance. 
If someone could kindly help me remove this as this is not okay to try to collect from a XXXX veteran. 
Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
Company: JPMORGAN CHASE & CO.
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: Problem with personal statement of dispute

Complaint:
I opened a credit card account with Chase when I moved to XXXX XXXX XXXX in XXXX. I used that credit card often and made regular payments with them while living in New York. Then at the end of XX/XX/XXXX/XX/XX/XXXX, I moved to XXXX and moved by banking account from Chase to XXXX, which had local branches nearby. I thought I had paid my entire credit card balance at Chase before leaving New York and had explicitly instructed my banker upon closing my account in person that I wanted to pay off my credit cards. But after closing my checking and savings there was still a small balance on the credit card. With my auto pay not set up because I had closed by checking and savings, the account was not paid. And because I had moved out of New York, I did not receive notices from Chase, who did n't have my correct contact information, informing me that I had an overdue balance. That balance went overdue for 90 days before I resolved the claim, which has destroyed my credit. I did not miss the payment because I could n't pay or did n't want to pay : it was because I did n't know that I needed to pay. And now I am not able to get access to credit because in large part Chase 's failed to alert me to the matter. It was n't a failure in credit payment ; it was a failure in communication, largely on the part of Chase. 

Despite having very significant credit availability today and not missing a payment in over 3 years, I still today have poor credit and can not qualify for a business loan that I desperately need, even though both my credit payment history is exceptional except for this event ( no missed payments in 3 years ) and also I have a great income and no existing debt. I have tried to resolve this situation with Chase bank, but they said they are unable to remove the claim or modify it to a shorter duration such as 30 days or 60 days, which would dramatically reduce the credit impact of the event. 

Considering, I was n't aware of the delinquency for such an extended period and the nature of the move, I do not see it as fair for my credit to be substantially impaired for another 4 years ( I am now only 3 years removed from the event and credit events last on your record for 3 years ). It was a logistical error, largely on the part of Chase. 

I have contacted Chase Credit Reporting Services, and they said that under no circumstances are they able to change their credit reporting to the credit bureaus. I have contacted the bureaus and my appeals are in process.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
This is from XXXX XXXX in regards to CapitalOne Auto Finance Loan Account # XXXX : 1 ) CapitalOne has been Billing the loyal paying consumer 16.55 % APR since XXXX with out any loan readjustments and this account is not in adherence to XXXX XXXX industry standards, interest rates, trends and paradigm shifts such as Block Chain Technologies 2 ) Although  the initial sales order shows 72 payments. But, Capital One online statements show and insist on 75 payments of {$500.00} misleading the consumer 3 ) The vehicle should have never been sold to the consumer because it does not complete the definition of a business transaction because it has lacked quality in manufacturing 4 ) The vehicle should have been tested by the financier for quality standards. because, The vehicle has had various recalls. specifically with the Engine of this XXXX XXXX XXXX model leading to quality problems and risk of engine failure, risk of accidents and major risk of loss to the consumer 5 ) CapitalOne tends to show all Predatory Lending Practices in this account scenario 6 ) The vehicle vehicle amount financed was XXXX and total amount paid to financier is XXXX. But, has lost significant value due to continued Manufacturing Defects and Lack of Field Failure rate and Quality Metrics from the manufacturer. 
7 ) This matter was notified to Capital One. But, had no outcomes and the consumer is being robbed again and again and again

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: Experian Information Solutions Inc.
State: LA
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:
n accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : Account number XXXXXXXX XXXXXXXX XXXX XXXX : Account number XXXX-XXXX XXXXXXXX XXXX XXXX XXXX : Account number XXXX XXXX XXXX XXXX : Account number XXXX XXXX XXXX XXXX : Account number XXXX XXXX XXXX BANK : Account number XXXX XXXX XXXX  XXXX Account XXXX XXXXXXXX XXXX XXXX  Account number XXXXXXXX XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX 
Account number XXXX TXXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX Unknown Account number XXXX Unknown Account number XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2018-01-23
Company: Westlake Services, LLC
State: KY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
My husband and I have only been with Westlake Financial services for a short time now but the problems we have encountered are beyond belief. My husband and I are military and due to this we both have POA 's over each other. I have sent in the requested POA 4 times and they can never understand how to read it or how to notate it in their system, it was supposedly approved by 2 managers ( XXXX XXXX and XXXX XXXX ) yet they also failed to notate it in the system. My husband also sent in two letters authorizing me on the account that Westlake said would help them yet every time we call there are no notes in the system under our account. Me and my husband decided that due to the numerous problems we encountered we would refinance through a different bank and therefore received a pay off check that we promptly sent Westlake in the mail. We put a tracking number on it as well as requested that the company had to sign for it in order to receive it so that we could see exactly when they received it from our side ( due to lack of ability to be honest with us in the first place and lack of ability to notate when things are properly received ). They received the check on the XX/XX/XXXX and when I requested to know when it would be posted Westlake stated that it would post in 24-48 hrs. Soon I called back because it did not post in the time stated I was than told by a different representative that it would take 3-4 days instead. I than asked to speak with a manager in which I was informed that the manager was unavailable. I asked for a callback and never received one so I than sent in an email and never heard a response there either. I than called back because 4 days had passed and no check was posted. I than was finally transferred to another supervisor that I had not spoken to before. This individual ( XXXX XXXX ) had assured me that the check would post by today or tomorrow ( Thursday or Friday at the time ). I than waited over the weekend until Tuesday in which no check had been posted STILL!!! I called back and was transferred around numerous times with still no answer! I was than hung up on twice in the process. This is a full pay off check and the way this company handles business and client relations is horrible! I have documented every conversation with this company, when I have called, why I have called, Who I spoke with every time! I am in need of answers and am not pleased with the lack of professionalism!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: R & B Corporation of Virginia
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: Account status incorrect

Complaint:
The credit debt was paid. This is not reflecting and my credit report

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$4100.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$520.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$620.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief