BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
Capital one is reporting a 30 day late on each of my credit cards. Contacted Capital one and was told payments were made on time and these were inaccurate. And they filed a dispute and said they would be removed. That has not happened.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-18
Company: AMERICAN EXPRESS COMPANY
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/2020 I found out that my bluebird account had been accessed fraudulently, I contacted Bluebird to let them know there were unauthorized transactions on my accout. In total 19 transactions for {$800.00}. I let them know I was not in possession of the card as it had been taken with my wallet and phone. I also went to website and changed password so no further access to my account would be available. I was told that the claim was denied and no error occurred. If I am not in possession of the card and charges were made I have a hard time understanding the denial. I met all the guidelines of reporting within 24 hours to where I should lose no more than {$50.00}. The money added to my account was from my other bank account which whoever had my phone and cards could access both accounts. I have struggled to pay bills as the amount was equal to my rent. Please look into this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
there are unauthorized inquiries accounts that are labeled charge off and accounts that are not mine

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Let 's month, I mailed XXXX XXXX a certified letter requesting that they verify the debt of {$200.00} which is on my credit reports. They have not responded and it has been over 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
***PLease don't ignore the attachment for supporting documents***** How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found late payment remarks on my credit for last year 2019. I'm not quite sure what's happening with XXXX XXXX  or XXXX   XXXX  not responding, but as you can see on the attachment, i have approved for extension when i called back the last XXXX and honestly i can not be marked late on my credit report. I've already called them and the representative stated that might be an error that i should contact the credit reporting agencies. I been trying to reach both XXXX XXXX  and all the 3 credit bureaus for more than 90 days and i still haven't received any responses. 


I am not sure how this happened, but this is reporting in error and violation of the written contract and even some CRA is reporting incorrect, incomplete, unverifiable and inconsistent information. One is reporting the wrong date of last active, wrong date of last payment, each bureau are showing different payment status, etc. This is impossible if this was ever verified. Please correct and delete 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 explanation
Consumer complaint received 2021-11-09
Company: LEXISNEXIS
State: IL
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:
Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ). Also, the bankruptcy court doesn't disclose information with no third party, I also included a letter from them saying this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23
Company: NAVY FEDERAL CREDIT UNION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I am providing by request from navy federal. On the XX/XX/XXXX the transactions that need to be addressed. I did this in XX/XX/XXXX XX/XX/XXXX and 2 times this year. I cant see credits from navy federal anywhere on here. The only deposits made to bring account positive were my deposits. They paid Bill 's when I asked them not too. And they tried each bill 2xs with fees and no refunds. By doing this they made a horrible situation worse. And took account to XXXX dollars. There were no credits for the fraud or checking account checks due to them. My mom XXXX XXXX XXXX was a joint owner on this account. I have provided death certificate twice. This fraud attacked her and I. Since she was a joint owner this account should have been taken to XXXX balance and taken off all reports. Please look at uploaded material and notes I've made for 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 2018-01-30
Company: WELLS FARGO & COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
Regularly, I receive solicitations from Wells Fargo that I neither want, nor need. I have closed every account with the institution and still get mail on a regular basis. I would like my information removed from the privacy systems for all lines of business with the company. I no longer want to receive any information about checking or savings accounts, credit cards, mortgage loans or other products.

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 2021-11-09
Company: California Business Bureau, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

CALIFORNIA BUSINESS BU XXXX Balance {$1200.00}

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
Company: Experian Information Solutions 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 have been looking to all my credit reports and doing follow up and I have some inaccurate information. My current and accurate address is XXXX XXXX XXXX XXXX XXXX LA XXXX I need properly update ADDRESSES to reflect my accurate information. 
Please remove the follow addresses they are not mine : XXXX XXXX XXXX, XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX Please delete this account from my file it was settle in full with the original creditor and I do not understand how it is listed as Paid collections when I paid the owner of this debt before it was in collections, Error please delete ASAP! 

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
Consumer complaint received 2018-01-30
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Made about {$10000.00} in payments for a {$25000.00} loan consolidation with XXXX XXXX/Navient. The amount owed climbed to over {$32000.00} even though I was paying. Offered forebearances multiple times due to financial problems and they never told that they were basically re-lending money over and over with compounded interest. Their representatives lied on the phone and described the forebearance as just a postponement of the payments and intentionally omitted vital information about the fact that they were just re-lending money PLUS interest PLUS interest ON the interest. When I asked to have the call recordings pulled to prove their representatives lied to me, they said the recordings were gone. After I disputed this with Navient, they sold my loan to a collections agency and now the amount they say I owe exceeds {$40000.00}. They never got a signature from me agreeing to that and I have been fighting with them for years over this. They tell me I agreed to the terms but I did NOT. I agreed, BY PHONE, to the lies their employees told me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Experian, XXXX and XXXX all are reporting charge off accounts on my credit report. The IRS defines a charge off or a 1099c as gross or ordinary income. Income does not get reported on the consumer report. By reporting this as a charge off on my consumer report This now becomes an inaccurate Account which now under 15 U.S.C 1681EB which speaks on maximum accuracy of the consumer report it must bet Deleted and it is still on my file.

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 2022-08-12
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: Old information reappears or never goes away

Complaint:
Misinformation on report accounts that dont belong. Old address that I requested to be removed which is still on my report they removed them on XX/XX/2022 score when up XXXX pts score increase to XXXX and reinstated them on XX/XX/2022 and my score decreased by XXXX points score dropped to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: U.S. BANCORP
State: KS
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My father XXXX XXXX XX/XX/XXXX. on XX/XX/XXXX myself and a financial advisor began contacting the different bank and financial institutions in which my father had made Investments. I am the executor of the will and the sole beneficiary I have contacted all the different investment concerns and they have complied. With the exception of US Bank we have contacted US Bank numerous numbers of times talk to 25 or 30 different people of which no one seems to know about the other we were told to submit XXXX XXXX along with other papers which we complied twice overnighting and receiving signatures and faxing yet no one could find the paperwork now we have finally found that we have to deal with the branch in which the account was open but they are telling me that I have to drive to Colorado as I live in Kansas to get a letter of XXXX. I am dismayed at the way they have treated me and the way they have handled the situation that a man who has lost his father has been able to close out all other accounts totaling substantially more that this US bank account. Yet US Bank requires something more for the small amount in my father 's account that has been left to me the beneficiary and they are saying that I have to drive to Colorado go to the courts to get this letter in order to extract the money into the executor account in order to fulfill my father 's requests concerning the money that he left behind

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 2018-01-30
Company: Bread Financial Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX for XXXX XXXX credit card. 
1. Charged a late fee of {$37.00} that was more than twice my monthly fee of {$15.00}. Considered illegal in Calif. 
2. Made payment on time difficult to gain late fees : A. Payment sits in P.O. Box until it incurs late fee. 
B. To pay before due date I must use a debit card, but charge {$15.00} fee to use. 
C. Had post office hold my paycheck in order that I incur late fee before can pay. 
3. Statement showed wrong amount, when I called and pointed it out to supervisor, he hung up. No explanation, no call back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-12
Company: Experian Information Solutions 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:
Misinformation on report accounts that dont belong. Old address that I requested to be removed which is still on my report they removed them on XX/XX/2022 score when up XXXX pts score increase to XXXX and reinstated them on XX/XX/2022 and my score decreased by XXXX points score dropped to 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 2019-10-21
Company: Nelnet, Inc.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I tried to pay off the highest interest loans with direct payments, but they were reversed and applied to lower interest loans in different amounts. I asked to have the account audited, but it has been 1 month with no action, response, or communication. The loan valid has not changed in 3 years despite paying 20 % of the total loan value.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied for American Express through their pre approval page on their website. It showed me 3 cards with 2 different interest rates. When I received my card member terms of agreement ; the APR was at a random amount not even shown in any of the pre approval options. I called them right away and they made a case. Ive called about 6 times on the matter and no one there can get to me a department that can explain whats going on nor do they send me any correspondence about this so called investigation which they told me takes 60 days. Ive had my account open now about 4 months. To make matters worse, I received their 15 months no interest offer, and I keep getting charged interest every single statement period. Im sick of calling them. Theyre incorrectly and I feel illegally, reporting false debt totals to the credit bureaus. Ive called about this also every single month. Nothing is done. Im furious.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
Company: Aldous & Associates, PLLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Ive received several letters from this collection office and we guards to collection of a gym membership. I have disputed the amount of this collection and they refuse to send me documentation proving the amount owed that they claim.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: Experian Information Solutions Inc.
State: IL
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:
On XX/XX/XXXX I submitted disputes to XXXX, Experian, and XXXX. XXXX responded with stating an investigation was started but never followed up with the investigation results, no response from XXXX or Experian. On XX/XX/XXXX I  resubmitted disputes to all three agencies with the same response from XXXX   and a response this time from Experian saying that an investigation was started. This violates the FCRA in that the FCRA provides a 30 day window in with to respond to disputes. 

611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), if the completeness or the accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer I request all disputed items be immediately removed from my credit reports. I intend to enforce my rights in court for damages resulting from your late of action ...

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 2018-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
On XX/XX/XXXX I submitted disputes to XXXX, XXXX, and TransUnion. TransUnion responded with stating an investigation was started but never followed up with the investigation results, no response from XXXX or XXXX. On XX/XX/XXXX I resubmitted disputes to all three agencies with the same response from TransUnion and a response this time from XXXX saying that an investigation was started. This violates the FCRA in that the FCRA provides a 30 day window in with to respond to disputes. 

611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), if the completeness or the accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer I request all disputed items be immediately removed from my credit reports. I intend to enforce my rights in court for damages resulting from your late of action ...

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 2021-02-16
Company: ERC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I don't know where to start. Enhanced Recovery Company began stalking me for payment of accounts in XX/XX/2018. They called me at home, at work, they called my family and friends! Finally after they threatened legal action against me, I paid them, and at the time they said all collection activity would stop, and that they would DELETE the items from my credit report. They have failed to hold up their end of whatever " bargain '' they coerced me into! I DEMAND SOME FORM OF JUSTICE! HAVEN'T I ENDURED ENOUGH FROM THESE MONSTERS? HELP ME!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: Resurgent Capital Services L.P.
State: OH
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:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX and XXXX Credit Bureau is reporting inaccurate information on LVNV FUNDING. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation