BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-05
Company: Resolve Partners, LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am extremely concerned about privacy practices of this company. 
I was shopping for a new car and noticed a recent reporting from a collections agency. I disputed the charge in collections because I had already paid it to the property management company in XX/XX/2015 shortly after vacating the property. In response to my dispute, I received a letter informing me it is my debt to be paid and please refer to the lease attached. 
The lease attached was for an entirely different person at a different property managed by the same company. The letters included the full lease and all certified letters sent to this individual. I contacted the woman to inform her they had made this mistake and warn her to watch her credit report just in case they had done this before. She informed me she has had issues with identify theft and has been trying to dispute this charge for quite some time. I sent her a copy of the letter that was sent to me for her records. 
The order that the papers were in appears as though someone grabbed from a stack and assumed all of the papers below the letter addressed to me were mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC
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 am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal trade commissions identity theft affidavit. I would be grateful if these fraudulent items are removed as soon as possible as it is hindering me very much so. I am unable to move forward with life so that I may provide for my wife and children.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been fighting for some time since my identity was stolen and now being apart of the XXXX Data breach of information, i still continue to have to have fight to clean up bogus and inaccurate information. Although the FCRA says that they can not report this information I can not get any help concerning these accounts. I have 2 XXXX, XXXX which I keep telling the credit reporting companies that are not mine and not accurate and the information can not be report on the credit report if it is not correct or if it is not mine. XXXX finally fixed my problem today after properly researching yet Transunion and XXXX refuse.

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 2021-05-15
Company: EQUIFAX, INC.
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:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. US DEPARTMENT OF EDU - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX  XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 4. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 6. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 9. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XXXX of 2020. I got an alert from XXXX. XXXX that I was over 30 days. I called, they ask that I forward an email to them explaining.. by, their records- I had never been late. I forward a letter to them w/credit report, in a dispute - the 30 days on the XXXX went away,. 

Now it has came back.. 

I put a dispute in again with Experian ( which is a Joke ) couple of weeks ago and I received a letter from the mortgage company ( XXXX  ) Stating I had never been late, EVER. Again, I got ahold of mortgage company and they said to file another dispute with Experian, because I do not show late. Cause, they are the ones that causing this. Which I have again 3 times.. no one is taking the responsibility for this as I am in the middle and it is effecting my FICO score.. This is way the Dispute.

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 2017-10-24
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I called to have my PMI removed. I fully understand what PMI is and the requirements for removal. There have been 2 homes sold in the past couple months that place my home value high enough to have my PMI removed. When I asked to start the process, they told me documents have to be mailed. I asked for them to be emailed, they would not. The reason for this complaint is simple, removing PMI should not be complicated etc. Wells Fargo needs to do all they can to ensure it is easy to have PMI removed when the requirements are met

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 2022-04-04
Company: EQUIFAX, INC.
State: CA
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 XXXX XXXX, XXXX account # XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602a states I have the right to privacy. 15 U.S.C1681 section 604a section 2, states as well that a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Experian reduced credit score XXXX points for opening a new unsecured installed loan other credit agencies only reduced score by a few points

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 2021-11-11
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I did not authorize charge in the submitted police report. Please DELETE this item from my EXPERIAN credit profile as it is causing serious harm to my credit profile.

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 2017-10-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XXXX XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Company: Radius Global Solutions LLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received well over 200 phone calls from Radius Global Solutions asking for a different person. I have told them about 20-25 times that I dont know that person and to remove me from the list. They have told me every single time that my name and number are being removed, but I continue to receive 1-2 calls everyday.

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 2019-07-01
Company: CITIBANK, N.A.
State: CO
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
This is my second complaint regarding my savings and checking account with Citibank. They put me through the wringer trying to close my accounts a couple of months ago because I didnt save my ATM card and I was told everything was linked to the ATM card. They also would not honor the promotional program I signed up for, they said the program was totally different than the one I signed up fo.r. After I lodged a complaint, they gave me my money ( XXXX ) and I wrote to them to close out both accounts. On XX/XX/19 I verified online that the Savings account, # XXXX, was cancelled, as I never got an acknowlegement in the mail. Today I get a statement for the savings account showing a monthly service fee of XXXX and an overdraft fee of XXXX for a total amount owing of XXXX. I reiterate, on XX/XX/19 the online account showed that the account was closed. I just got off the phone with XXXX, XXXX and he said he will remove both charges and close out the account, however, I would still like to make this complaint, as it is sneaky and it if weren ; : t for me calling and telling them I was making this complaint I do not believe they would have fixed it. XXXX gave me some ridiculous reason for this but I know what I saw when I went online to verify the status. I would lke this complaint made for unfair business practice and sneaky business practice.

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 2020-02-06
Company: Capital Accounts, LLC
State: SC
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:
In XXXX of 2019, Capital Accounts LLC reported to XXXX  that I made a late payment on a debt collection reported by their company. I've never made ANY payments for this reported collection amount to Capital Accounts LLC, therefore a late payment shouldn't have been reported.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06
Company: AES/PHEAA
State: WI
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 have made 123 payments to Fed Loan Servicing. The company continues to miscalculate payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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:
I made a purchase with XXXX an online flight booking system. 

They failed to provide the service as the flight was canceled on their end. Capital One sided with XXXX stating " The merchant info shows there was no error. '' The information I provided is publicly available so there is no way the merchant can show they provided the service I paid for. 

Below is the text I sent to Capital One as justification for the refund. 

-- -- -- -- - Reference number : XXXX As you may understand, standard airline policy disallows the customer to cancel a plane reservation for a refund. This is not the situation here. This situation is that the AIRLINE canceled the flight and failed to provide the service agreed upon via the transaction. Attached you will find the following 5 items : 1 - Your trip confirmation and receipt - this is from XXXX and outlines my itinerary and the reservation dates with flight numbers and dates of travel. The next 4 documents will show that the two flight trip to XXXX was never operated and the flight return from XX/XX/XXXX wasn't either. The final XXXX to Washington flight appears to have operated. 

( Also please reference their note of : " Please note : Your credit card may be billed in multiple charges totaling the final price. All prices are in USD. '' Which explains the {$100.00} discrepancy in the charge. ) Flights were : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX - XXXX Flight Status_XX/XX/XXXX XXXX Washington XXXX to XXXX XXXX XXXX - XXXX Flight StatusXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Flight StatusXXXX XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX XXXX Flight Status_ XXXX XXXX XXXX XXXX to Washington XXXX You may confirm the flight history yourself from any website with the public historic flight data yourself. I chose to use : XXXX : XXXX Please consider this as hard evidence that XXXX failed to provide the service that was paid for and that I should receive a full refund as I did not cancel my reservation. 

Thank you for taking the time to review this additional information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-11
Company: Santander Consumer USA Holdings Inc.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
On XX/XX/2021 I called Santander consumer USA and I had voluntarily surrender my car to them due to having many issues with the vehicle for many a few years! So I called them and told them to come pick the car up!! It is now XX/XX/XXXX and they still havent pick the car up! They keep telling me they process of picking a vehicle up takes a long time! The current balance on the account is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-08
Company: Experian Information Solutions Inc.
State: FL
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:
XXXX, XXXX XXXX XXXX SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XXXX/XXXX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX XXXXXXXX XXXX, FL 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 2020-04-24
Company: Experian Information Solutions Inc.
State: AR
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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible.

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 2021-05-15
Company: Millco Management
State: PA
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:
Hello, there was several bills that was place on my credit that I have disputed to be remove off. Two of the bills for the amount of {$370.00}. I have no knowledge of these bills. I stated to the credit bureau and also the collection agencies about these two bills. They still haven't removed these bills from XXXX or XXXX. I have a medical bill for {$1200.00} which was not my fault, it was the hospital mistake. They sent my lab work to unauthorize XXXX with my insurance did not approve. I had made several complaints about this issue with thr insurance agency, the hospital, and my doctor 's office and still the bill is still on my credit for me to pay. I would love for these bills to be remain of my credit immediately thank you. 
I'm total lost with these bills.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: Experian Information Solutions Inc.
State: PA
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:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX {$12000.00} XXXX XXXXL ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX $ XXXX CAPITAL XXXX {$0.00}

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 2020-11-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Capital One reflected my posted payment amount of {$24.00} on XXXX XX/XX/2020. My credit reports XX/XX/XXXX and XX/XX/XXXX reflect I am still at 19 % Utilization with an overall credit utilization of 3 % with a {$74.00} balance with Capital One, reported on XXXX XX/XX/2020. 

My balance has been {$0.00} as of XXXX XX/XX/2020 and should reflect {$0.00} on all credit reporting platforms. When I contacted Capital One on XXXX XX/XX/2020 at XXXX, I was told that they did not have a Credit Reporting Department XXXX This is in fact false information, every bank has a credit reporting department that sends a clients scores to the Credit Bureaus. 

My issue was not resolved and it is inaccurately reflecting my utilization and effecting my overall credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
Company: Navient Solutions, LLC.
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: Information belongs to someone else

Complaint:
I am a victim of Identity theft there are numerous accounts on my credit reports that does not belong to me

Company response to consumer: Closed with explanation