BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
XXXX XXXX is reporting the last 3 months late. Im actually enrolled in a consolidation program that is making monthly payments to XXXX XXXX so there is no way this account is behind. XXXX XXXX XXXX has a late mark for XX/XX/XXXX. Not only is this over three years old, but I have been in college for the last 5 years and finally graduate next year with my XXXX in XXXX XXXX XXXX. This is incorrect as I have not been required to pay my student loans while still in college. Capital One Bank, my Credit Card was stolden in XX/XX/XXXX and I was issured a new credit card. Somehow my credit card doubled in just late fees and became out of control. I tried to work with the company but they would not offer any financial assistance programs to lower my payments as I was willing and wanted to pay but just couldnt as it was made impossible by Capital one. I then set up Capital One in the XXXX XXXX XXXX XXXX as requested by Capital one we made a {$60.00} payment to be considered for this debt program so I could make lower monthly payments. However my XX/XX/XXXX bill reflects the {$60.00} payment, but was immediately turned over to a C/O when I already made arrangments to pay. I was not given any time to make this account right and have the hundreds of dollars in late fees removed so I could actually pay the credit card company the amount I charged. Now over half the bill is just charges, no actually charges were posted to this credit card after my replacement credit card in XX/XX/XXXX. 2nd Capital One Bank USA, This account is currently enrolled in XXXX XXXX XXXX and has been paid every month on time. There is no late payments as Capital One agreed to be enrolled in the debt program and get monthly payments like XXXX Credit card. XXXX XXXX account was closed in XX/XX/XXXX and charged off in a bankruptcy that is over 2 years old. This doesnt not need to negatively impact my credit score or have any negative comments as this  was not a neglected account. I was granted a bankruptcy by a judge which I paid for the bankruptcy so I wouldnt have late payments or a charge off reported. I tried to do the right thing with what I was able to do at the time. I just got this XXXX XXXX card and my exhusband got ahold of my credit cards and maxed it out. Once I was divorced I filled for thousands of dollards in debt do to my 4 month marriage to a XXXX XXXX that took advantage of my perfect credit. I 'm still paying for that short mistake to this day. XXXX XXXX XXXX-XXXX DOCKET #, there is no benefit to any for this to be displayed on my credit report. It state date paid was XX/XX/XXXX. Please remove this

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
In accordance with the fair credit reporting act XXXX account number XXXX, account number XXXX, account number XXXX, account number XXXX has violated my rights. 

15 usc 1681 section 602a states I have the right to privacy.

15 usc 1681 section 604a section 2 it 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 explanation
Consumer complaint received 2021-01-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Was offered a {$400.00} bonus for opening a checking account with them and completing two direct deposits before XX/XX/ 2021 and receive it ( as long as you don't close your account amongst other requirements ). I somehow became a victim of identity fraud ( second or third time now in my life, I lose count ) and instead of helping me with my issue, they close my account and told me that I would not be receiving the incentive in which I completed to satisfaction. I was recently laid off and became XXXX XXXX within 2 days, XXXX  my family ( wife and XXXX small children XXXX and XXXX ) .That additional money, even though coming next Month, XX/XX/2021, according to the small print, would be so helpful for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Was not notified of investigation status or results

Complaint:
student loan accounts are showing a status as " CLOSED '' instead of " PAID IN FULL '' as it does in the student loan database. I never sent a letter asking them to close the accounts after they were paid because this would adversely affect my credit. 
Paid in Full Stafford Loans U.S. DEPARTMENT OF EDUCATION ( XXXX ) Balance {$0.00} Paid in full Account and Loan Details Stafford Loans U.S. DEPARTMENT OF EDUCATION ( XXXX ) Balance {$0.00} Paid in full Account and Loan Details Consolidation Loans U.S. DEPARTMENT OF EDUCATION ( XXXX ) Balance {$0.00} Paid in full Account and Loan Details Consolidation Loans U.S. DEPARTMENT OF EDUCATION ( XXXX ) Balance {$0.00} Paid in full

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 2022-08-06
Company: EQUIFAX, INC.
State: FL
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:
Im applying for a mortgage the other two credit bureaus XXXX XXXX XXXX are showing everything but Equifax can not be pulled up and it is jeopardizing my living arrangements to the point where I might be XXXX the mortgage company looked at my score to get to but couldnt get the other from Equifax I called thinking it was a freeze and no feedback once I discovered there was no freeze I have heard many people are going to the same problem please tell me what it is I should do in order to save myself from poverty No

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24
Company: Experian Information Solutions Inc.
State: AZ
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:
Experian is ahowing 20 hard copy inquiries over 2 years. They are not counting same or like inquiries within the allowable time frame which is only supposed to count as one inquiry. I have 6 just for my auto loan. Also, after one year they are not supposed to impact my credit score but it is. I am being refused a mortgage due to this and the number of inquiries separately counted

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 2019-10-24
Company: Home Loan Center, Inc.
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
Lending tree llc messaged me and informed me my loan was approved to just esign thebpaperwork and they would expedite the process. They the. Called me and wanted me to buy insurance or send them.an ebay card for XXXX bucks. Then theybqoukd sendbthe money I called the bank that they said were my lenders and they informed me this was not the case they are scammers. They are fraudulently using XXXX XXXX   XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: Experian Information Solutions Inc.
State: OH
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, USDOEXXXX, XXXX Account # 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.

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 2021-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
on XX/XX/2020 I sent a letter to all three bureaus reguarding inaccurate items on my credit report.To this day 60 days later I have not received a response yet. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 45-60 days gives a reason to immediately remove those items 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 2020-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I AM DISPUTING THIS ACCOUNT AND I AM REQUESTING IMMEDIATE REMOVAL OFF THE THREE REPORTING CREDIT BUREAUS. THIS ACCOUNT HAS BEEN PAID IN FULL AND I HAVE SUBMITTED A RECEIPT TO SHOW PROOF OFF ALL THE PAYMENTS.

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 2020-01-24
Company: EQUIFAX, INC.
State: WI
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:
You keep saying you verified a bankruptcy with XXXX XXXX yet I have attached documentation showing XXXX XXXX couldn't even verify the information and removed any implication from my file yet you keep leaving it on my report. I AM GOING TO FILE SUIT UNLESS THE ACCOUNTS ARE REMOVED. I have proof and documentation from ALL the original creditors stating they have no contracts with me and or can't verify the information so who did you verify with? You continue to use E-Oscar to " verify '' inaccurate information and continue to leave it on my report. This is my LAST time trying to correct this then you force my hand to file suit and seek damages and {$1000.00} per violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09
Company: First Advantage LNS Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Back in Mid XX/XX/2014 I lived at XXXX XXXX XXXX. I ended up breaking my lease with the apartment and i moved out the country to live with my younger siblings because our mother suddenly XXXX. ( XXXX from XXXX suddenly ) I spoke with the apartment complex about my situation and they told me once they can get someone to move in my apartment when i move out everything would be fine, and someone did move into my apartment ... .so i shouldn't be penalize for breaking my lease ... .I was unaware of these chargers, I was only made aware of these charges 4 years later now that im trying to fix my credit score. I reached out to the collectors and they dont ever answer thephone nor return my calls ... ..I did get in touch with someone and they was rude and unhelpful. They are saying that the amount i owe is {$2200.00}, I dont how they came up with that number but thats not possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
In 2018, Portfolio Recovery, took, me to XXXX XXXX County General District Court, to seek redress in this issue, however fail to produce the necessary Bill of Particular Items. 
They were as followed Date and Amount Account was purchased for Proof from XXXX  XXXX that sale of this account was given to your company Portfolio had already place this on my Credit Report and refused to remove it. Furthermore, I've had my present XXXX XXXX Credit Card Account for the past 2 1/2 years, and it as remained in good standings. 
These tactics of using people 's credit to make them pay a debt, that they can't even prove they are owed, and which has damaged my credit report by 56 points, is nothing more than malicious and vindictive.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did Not Give Anyone Consent to Open any account All of these Account Is Fraud. this is crazy that someone Stole my Identity. how did they do this I don't know but this Needs to stop.

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 2020-01-24
Company: EQUIFAX, INC.
State: TN
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 first noticed my identity was stolen late last year, I don't know when or whom may have stolen my identity. I'm in my early 20s so I am just now knowing about credit and how it works mind you I have never used my social for anything, I have never applied for anything so to see that someone has been using my information was hurtful and made me feel low and vulnerable. These people opened cell phone and bank accounts, got medical service, and even received student loans under my identity I tried to get everything situated with credit reporting agencies but to no avail. I will also be attaching a copy of my FTC affidavit with the corresponding negative accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04
Company: CITIBANK, N.A.
State: CT
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:
Citi XXXX XXXX XXXX/XXXX Account number XXXX. I have disputed this multiply times. They change it to something else every time. I have a chapter XXXX discharge in XX/XX/2016. This account is still saying account status charge off. They never fix it.

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 2020-09-06
Company: SYNCHRONY FINANCIAL
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. 
I respectfully request each investigation to be reported to XXXX, XXXX  and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
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 2018-09-18
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Stop trying to profit off the consumer. I in no way had a contract with 2 companies. XXXX XXXX needs to prove they bought the debt with a bill of sale and contract on XX/XX/2017. XXXX XXXX needs to identity they are still the true owners of this account. You charged it off so did you sell it? If you sold it to XXXX then you cant collect 2 x. 

Fix my report. You don't understand when a consumer loses their job, you try to damage them even more. You have to produce proof of ownership. If you own it then update my credit report to reflect original creditor date. I had a contract and you can not change the contract terms. 

You've paid off 0 % of your collection amount. 
Balance {$590.00} Highest Balance {$590.00} Opened XX/XX/2017 ( 1 yr, 3 mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX XXXX See an error? 
DIRECT DISPUTE If there's an error on your report, you can submit a dispute without leaving XXXX XXXX. 

DISPUTE AN ERROR Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA 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 2019-09-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
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:
Capital One Bank change of payment date has been going on since XXXX every month they claim I they cant find I requested a change of billing date to XXXX th of the month as stated by the rep.Every time they claim the rep did not put it in as change of billing date. Capital One Bank has bad customer service no confirmation date and every time you call them its a new story on there part

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: FIRST HORIZON BANK
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Home Phone : XXXX NC Unemployment Claimant # : XXXX I am a XXXX XXXX located in XXXX, NC. 

Due to the COVID-19 outbreak, my XXXX was closed in XXXX, XXXX by State mandate. 

I filed my first claim for unemployment on XX/XX/2020 - confirmation # XXXX. 

A certification form has been filed each week since that time with all transactions and deposit dates recorded on the NC Division of Employment Security ( DES ) website. 

In the meantime, my bank of choice has undergone a progressive chain of events. Due to this, my account has been shifted around with the numbers changed and evidently compromised. 

I was a customer of XXXXXXXX XXXX which merged with XXXX XXXX XXXX to become XXXX XXXX. Consequently, banking laws, mergers and buyouts have now landed my account at First Horizon Bank, formerly known as XXXX XXXX XXXX 

Somewhere, the ball was dropped and my payments from DES have not been deposited into my bank account. I contacted the DES and was told it is a bank problem. I visited my current bank, First Horizon, and was told it is a DES problem. Wherever the blame lies, my money has been lost in the shuffle. Neither source claims to know where my money is and I have been going back and forth between them for almost a year. No solutions ; just blame on the other party. Now DES is apparently oblivious and has had my account locked for at least a month. I can not even file my weekly certifications. 

At this time, I am in desperate financial straits. I am about to lose everything I own. I am months in default on my commercial lease which if I lose, will put me in dire debt for many years to come. My phone, gas, water and electricity are one by one being disabled both at my XXXX and my home. 

I have followed all the rules, been available for interviews and telephone calls, and faithfully filled out all forms for certification. 

I hope you can help me. Thank you. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX to : US Office of the Comptroller of the Currency US Federal Banking Commission NC Department of Commerce NC Commissioner of Banking XXXX XXXX XXXX, Chairman and CEO of XXXX XXXX, formerly XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, President and COO of XXXX XXXX, formerly XXXX XXXX XXXX XXXX XXXX, Governor of North Carolina XXXX XXXX, President of First Horizon National Corporation

Company response to consumer: Closed with explanation