BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-07
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, it appears that there are some inconsistencies and incomplete information among the three major credit bureaus ( XXXX, Experian, and XXXX ) : Account Number : XXXX and Experian do not provide an account number. 
XXXX reports an account number that is partially masked as XXXX XXXX XXXX XXXX XXXX XXXX All three bureaus report an " Open Account '' as the account type. 
Account Type - Detail : All three bureaus report " Open Account '' as the account type detail. 
Bureau Code : All three bureaus report " Individual Account '' as the bureau code. 
Account Status : XXXX reports XXXX XXXXXXXX XXXX XXXX as the account status, which is not reported by the other bureaus. 
Monthly Payment : XXXX reports a monthly payment of " {$0.00}, '' while XXXX and Experian do not provide this information. 
Date Opened : XXXX reports a date opened of XXXX XXXX XXXX while XXXX and Experian do not provide this information. 
Balance : XXXX reports a balance of " {$2000.00}, '' while XXXX and Experian do not provide this information. 
High Credit : XXXX reports a high credit of " {$2600.00}, '' while XXXX and Experian do not provide this information. 
Credit Limit : XXXX does not report a credit limit, while XXXX and Experian do not provide this information. 
Past Due : None of the bureaus report past due information.

Payment Status : XXXX reports " At least 120 days or more than four payments past due '' as the payment status, which is not reported by the other bureaus. 
Last Reported : XXXX reports a " Last Reported '' date of XXXX XXXX XXXX while XXXX and Experian do not provide this information. 
Date Last Active : XXXX reports a " Date Last Active '' of XXXX XXXX XXXX  while XXXX and Experian do not provide this information. 
Date of Last Payment : None of the bureaus report a date of the last payment. 
Two-Year Payment History : XXXX reports XXXX OK '' for most months, with one instance of " CO '' ( which typically means charge-off ). XXXX and Experian do not provide this information.

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 2023-10-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Credit score XXXX Credit utility 45 % 100 % on time payment 28.34 % I'm asking for 21 % Was told nobody, no matter what, was getting reduced interest rates from Capitol One. 
Didn't matter history, nor credit score.

We are being lied to.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-23
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:
In XX/XX/XXXX I filed a dispute for idenity theft and included a police report and an identity theft report required by credit reporting agency Transunion. The list of disputed accounts on id theft report were deleted..The problem is that transunion additionally deleted all other accounts within my reports that were positive accounts and that were NOT INCLUDED ON MY IDENTITY THEFT REPORT. tHIS ACTION LEFT MY ENTIRE CREDIT REPORT COMPLETELY EMPTY WITH NO TRACE OF ANY CREDIT REPORTING WHATSOEVER. My report was left unable to even generate a credit score at all. 
Transunion additionally communicated to XXXX and XXXX information regarding the wrongfully deleted positive accounts causing both of these agencies to also Delete accounts thst were not reported as Fraudulent accounts and this caused my other two reports to become completely erased and unable to to generate credit scores. I was left with no agency having any trace of any account to report at all. I had a XXXX credit score across the board and to lenders it appeared as if no credit had ever existed. Additionally the accounts were also prevented from re-reporting the information back onto my reports and I have been unable to get Transunion to replace the deleted accounts or remove blocks from my positive credit accounts so that the bank could reenter the information that should have never been deleted. Please force transunion to go back to when this action took place and put the accounts that were not included in my identity theft reports back on my record and correct this issue. This is necessary as these accunts were damaged and deleted directly as a result of transunion and they are responsible to fix what they have caused without the need of financial institutions being forced to re-enter old information that they are unable to do since theyre attempts to do this already were unsuccessful for the reasons that transunion has further blocked the re-entry of the accounts.

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 2018-05-18
Company: Navient Solutions, LLC.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX VisitXXXX  turned this in to a charity program.this has been taken care of to my knowledgeDocumentation was sent to original creditor

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: AMERICAN EXPRESS COMPANY
State: NJ
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've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 200 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02
Company: EQUIFAX, INC.
State: MO
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  XXXX   2016  I went in search of a new car. My understanding is when you apply for auto loan in a 30 day time frame you would not be penalized for inquiries relating to  XXXX  possible car loan. Went to  XXXX  dealerships and  XXXX  of the  XXXX  obtained auto loan with  XXXX . For dealerships to run multiple companies to obtain best rate for themselves and supposedly mine I had no knowledge on all these inquiries along with  XXXX  to  XXXX  inquiries within a 30 day period all related to auto loan to which I acquired with  XXXX .     Had credit reported back 17 years reporting 2 years? Please report correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX, I received an email from JCPenney, asking if I had made a purchase of {$2700.00} from their location XXXX XXXXXXXX, XXXX XXXX, TX. I indicated that I didn't recognize that transaction per their email sent and I also called. They indicated they would be closing that card and I would receive a new card. On XX/XX/XXXX, I received another email for another transaction for {$200.00} from the same location, I followed same steps as above. On XX/XX/XXXX, I received another email for a total of three transactions : XXXX XXXX {$1700.00} ; XXXX  XXXX {$4800.00} and XXXX XXXX {$6900.00}. I called again and let them know that was not and that my credit limit was only {$2400.00} and asked how these transactions continued to go through, they told me that there had been a credit limit increase request and it was approved for {$6900.00}. These charges were on cards that I had even yet to receive in the mail. How can they increase the credit limit without speaking me?? or calling to verify? what controls do they have in place to check to make sure it's the actual customer? I've made multiple calls to JCP, they continue to indicate they are working on it but the conversations do not sound promising, I've cried on the phone begged for help because I am now receiving billing statements. I have a statement from XX/XX/XXXX indicating I owe, {$6100.00} with a payment due of {$62.00} on XX/XX/XXXX. I am extremely worried and concerned this is going to impact my credit and credit score, with the increase I didn't ask for, I've asked them to close ALL accounts. Please help me resolve as soon as possible. You would be able to see from my credit history with JCPenney, that I don't use my card but maybe once a year during the holidays, and never for those large sums of money.

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 2016-07-25
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card
Issue: Billing disputes

Complaint:
I have exclusively used my American Express ( AMEX ) for almost all purchases since 2010. 
My recent customer service experience, however, has been disappointing. I rented a car from a nationally renowned car rental company. The car rental company charged my AMEX card insurance without my authorization. When I disputed this charge with AMEX, I believe that AMEX failed their duty to investigate the fraudulent charge for at least the following reasons : ( 1 ) AMEX failed to consider the fact that the car rental company withheld parts of the rental agreement ( the part about the insurance charges ) from me at the time of the rental ; ( 2 ) instead of investigating the matter, AMEX took the rental car company 's word and disregarded their bait-and-switch tactic ; ( 3 ) AMEX failed to consider the fact that multiple complaints and even law suits have been filed agains the rental car company for the very same issue ; ( 4 ) AMEX disregarded my credibility as a long-time customer who has had an impeccable overall financial history and history with AMEX in particular. 

Moreover, as a result of AMEX 's failure to investigate, the rental car company has informed me that there is nothing they can do to remedy this fraudulent charge. In addition to resolving the above fraudulent charge in the consumer 's favor, I 'd also like AMEX to resolve the issue that the rental car company now uses the consumer 's dispute with AMEX as a reason to continue their fraudulent activity.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There is information on my credit report that doesn't belong to me. I have no car loan or any type of loan with the instititutions reporting these accounts on my credit reports. 

CAPITAL ONE AUTO FINAN ACOOUNT # XXXX OPENED : XX/XX/XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX OPENED : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18
Company: STATE FARM BANK, FSB
State: VA
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:
This is the 2nd time I have had a problem with this company.  I have brought my account current and made a payment from what they are saying before the statement ending date and I was charged a late fee because they say I have not made a payment prior to the end of XXXX.  The one I made on XX/XX/XXXX was to be applied as the XXXX payment.  This State Farm credit card is such a sham.  The lower my balance is it seems they keep trying to find a way to keep assessing charges so this balance does not get paid off.  I currently have no card and no access to credit with them.  I called on XX/XX/XXXX to ask if they would waive the late fee as a courtesy.  The rep said she couldn't because I had already had one waived.  I explained what happened.  She got off the line and I suppose inquired of a supervisor and they said no. I sent an email on the same day making a request and was given a no answer.  Obviously I made a mistake and they continue to make me pay for it. I also made a $XXXX payment just today to satisfy my requirement so I don't get hit with another one.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02
Company: BARCLAYS BANK DELAWARE
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On  XXXX / XXXX / XXXX  and  XXXX / XXXX / XXXX  a credit inquiry was made without my consent or notice.   This bank has many complaints of identity theft.   This bank is Barclays Bank Delaware  XXXX   XXXX   XXXX ,  XXXX , DE  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 2018-12-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been fighting XXXX  & Equifax about and account that should not be reporting on my file. There are two XXXX Accounts one with a partial account number of XXXX reports opened XX/XX/XXXX and the other is XXXX which shows opened XX/XX/XXXX both are indicating I was an authorized user and at no time did I ever apply or hold an account with XXXX. Why are these still on my credit report?? They are not mine, I never gave consent and they need to be removed. Anyone can put a person on their account without the knowledge of a person and then go late and then it effects their scores? THESE WERE NOT MY ACCOUNTS!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-15
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Fraud or scam

Complaint:
Money Gram Transfer Issues - funds were never made available to the receiver on the disclosed date of availability. 

I made a money transfer through Money Gram on XX/XX/2022. According to the receipt, the transaction completed on XX/XX/XXXX and the fund will be available on my receiver account on XX/XX/XXXX. My receiver never received the money. I filed a complaint and I waited almost 90 days for the resolution. On XX/XX/XXXX, their investigation team made a conclusion that the error in fact occurred. Conclusion After completing our investigation, we have determined that an error may have in fact occurred with your transaction. We apologize for the delay in the funds being made available. Our records show that the transaction was successfully received on XXXX XX/XX/2022. As such, you are entitled to a refund of the transfer fee paid with this transaction, which was $ XXXX.They only refunded me the transfer fee which is {$0.00} because it was my first time using money gram and they have {$0.00} transfer fee promotion for the first time user. 
I was not happy with the resolution. I emailed their customer support and when called, they have put me on hold, transfer me to one department to another and told me that my case was closed. There is nothing I could do and to put another complaint and wait another 90 days. I put in another complaint on XX/XX/XXXX and never received any notification regarding the complaint except the confirmation email saying theyve received my complaint. And it has been 15 days since. I call again today and was put on hold, transfer from one department to another department again and again. I asked them to transfer me to the resolution department but my request got denied. I emailed them but no response back. I can not get to anywhere. This is frustrating.

I called and emailed them saying this have a proof of both me and my receiver bank statement from the month of XXXX. Money Gram took my money out but my receiver never received the funding. Their customer support can not help me with anything except putting me on hold and repeating the resolution. I would like to put a complaint against Money Gram. I believe I am not the only customer that being ripped off my this company. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-18
Company: The Bureaus, Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
THE BUREAUS INC Account number XXXX- Is reporting an erroneous collection on my credit report .... I have resolved it with the original creditor XXXX a few months ago. I called THE BUREAUS to ask them to remove this collection since it is null and not accurate, the bureaus could not validate this account kept asking for my social and rude lady screamed at me threatening to send a cop and arrest me. Now they are calling my work, my parents house event my aunt 's house who has a heavy XXXX accept collector called her names and accused her of disspeacable things threatened to arrest me if she didn't give her my social number and a credit card to pay this balance.. isnt ' this illegal ... I sent them letters of dispute which came back undeliverable from the address that is on the credit report. please help and stop this horrible collection company from being in the business in first place

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
The Credit bureaus stated that account XXXX XXXX  # XXXX was properly investigated, but how is that possible if the account number is inaccurate, the high balance is inaccurate the date of last activity is inaccurate, closed date is inaccurate and late payments are inaccurate. This ground for removal they have also violated my rights under 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 non-monetary relief
Consumer complaint received 2022-08-09
Company: AMERICAN EXPRESS COMPANY
State: DC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have sent in numerous of letters an FTC reports to this company regarding this fraudulent account that was opened in my name. This company has completely ignored my request to have this account removed or investigated properly. This account is hindering me from moving forward in my life. This matter needs to be addressed and fixed expeditiously!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: TRUIST FINANCIAL CORPORATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
In XX/XX/2020 I started receiving account statements from SunTrust XXXX XXXX, TN ) but I never opened an account with them. Now I am receiving notices that I owe {$17.00} for processing fees ... again, I never opened the account and do not want the account. I have tried to close the account with no success.

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 2018-12-18
Company: AES/PHEAA
State: FL
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:
I found out that my loans, now transferred to XXXX XXXX  from XXXX, have now had their clock restarted at month XXXX for making the 120 qualifying payments. I am almost finished my 10 years since paying the loan and now I find out that I am starting at the very beginning! There were several discrepancies. At several points my loans were placed in forbearance not of my choosing ( XXXX says that XXXX may put my loan in forbearance without my knowledge at any time ). They have lost almost 2 years of payments when my loan service provider had a different name ( XXXX used to be XXXX XXXX from the dates XX/XX/XXXX to XX/XX/XXXX ) even though I have the email confirmations of payment. Plus the fact that I USED to be on an income repayment plan when I re consolidated my loans and that seems to have disappeared off of my record. This is absolutely horrible! I am working as a XXXX at a XXXX   XXXX  where I could have used my XXXX XXXX XXXX in a private sector job. I wanted to work for my alma mater and love working in XXXX XXXX. It seems that many were duped by the PSLF and apparently there is nothing I can do.

Company response to consumer: Closed with explanation