BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-16
Company: ENCORE CAPITAL GROUP INC.
State: KS
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have called Midland Funding LLC and they stated that the last payment was made on XX/XX/2016. I was currently past due and was making partial payments for 11 months prior to that date. According to the FCRA the original past due date is the date that is required to be reported, not the last payment date.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: Global Lending Services LLC
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I refinanced this car loan and the new company made sure that Global Lending Services received my payoff check by XX/XX/XXXX in order to avoid any further credit reporting. Global Lending Services has diligently reported my car loan payment on the last day of every month since I had the loan in XXXX. I made sure they had at least 1 month payment by the last day of each month to avoid being credit reported for 60 days past due so only to be reported for 30 days past due. I made a complaint due to XXXX XXXX reported my loan as 30 days past due on XX/XX/XXXX the same day they received my payoff check on XX/XX/XXXX for {$12000.00} and they are refusing the correct this credit reporting of 30 days to show paid as agreed. I brought the account up to date and current back in XX/XX/XXXX and XX/XX/XXXX to avoid any further credit reporting while i refinanced the vehicle loan and it was reported as paid as agreed on XX/XX/XXXX and I was assured by a rep at XXXX XXXX on XX/XX/XXXX that since the payment was received the same day that it will be corrected and how they are refusing to correct the reporting. In the letter they advised that due to the account being 30 days past due when the payoff was received by law they have to report the 30 days past due as of that same day even though they got a payoff check that day which makes absolutely no sense to me what so ever. If I would have made my payment of {$500.00} that day it would not have been credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 pulled my credit report and noticed there are numerous student loan accounts. I should only have XXXX is the only servicer of my student loans. I have XXXX student loans on my credit report that is reporting inaccurate information. They are saying that the account was delinquent back in XXXX but have no info on the report from when it was open. The accounts were open in XXXX but did not start reporting any info until mid XXXX. I have asked for this matter to be addressed. Transunion, XXXX nor XXXX has addressed this matter. I have disputed the info numerous times and only 1 account was removed from XXXX. All of the accounts associated with the Dept of XXXX should be removed immediately. It's showing late payments on my credit report and that the account has been transferred to now XXXX. The information on the report is inaccurate. The accounts were delinquent from XXXX to mid XXXX. The accounts are 7.5 years old and should be removed immediately.

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 2023-04-25
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Equifax is reporting inaccurate incomplete information to my Credit Report. When I informed them they hang up and give the run around. 
I have also contacted the furnisher and opt out of data they are reporting to these agencies. 
There should not be any transactional history reporting on my consumer report. 
I have never been late paying this account. 
Equifax has arleady been notified and refused to delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17
Company: Experian Information Solutions 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$50000.00}, {$11000.00}, {$8500.00}, {$5000.00}, {$1100.00}, {$260.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- CLOSED ACCOUNTS -- 1. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$50000.00} -This is not my account. 

2. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$11000.00} -This is not my account. 

3. XXXX XXXX XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$8500.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account. 


-- AUTO ACCOUNT -- 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1100.00} -This is not my account. 


-- COLLECTION -- 6. XXXX  XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$260.00} -This is not my account.

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 2023-04-25
Company: Nelnet, Inc.
State: MI
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 disputed these student loans with the credit bureaus and Nelnet. These student loans have late payments attached to them that are inaccurate. The student loans have been being marked as late during the pandemic when there has been no payments due during the pandemic. I have been disputing this with the bureaus and nelnet for three months and it has been coming back verified with no explanation. Nelnet knows that there has been no payments due during the pandemic they refuse to resolve the issue and this is causing detriment to my financial state. 
These accounts are also reporting inaccurately and differently across all three bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: Navient Solutions, LLC.
State: AZ
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:
Navient who manages my student loans, who put my loans in automatic Forbearance, then reports my XXXX loans as 'late '. The accounts should never have been placed in automatic Forbearance nor especially been reported. This action is supposed to protect the status and maintain " good standing. '' I disputed it thru XXXX, whom I pay a monthly membership to help with these things. The dispute has been resolved and Navient reversed the " late payment ''. However, the account status still reads, " potentially negative '' and my score did not return to where it was, before all of this. My credit immediately dropped nearly XXXX points due to Navient 's purposeful fraudulent reporting. XXXX states there is nothing they can do, that the score is based on some " algorithm '' and referred me to XXXX. XXXX said there's nothing they can do, that XXXX is actually responsible for the handling and correction of my score. I am getting the run-around and don't feel I have much recourse other than to file a lawsuit against Navient and all involved. This is completely unfair as I worked so hard to fix my score and now it has been destroyed by false reporting and lack of accountability in anyone fixing it. What an injustice to the consumer. I please ask for assistance and for this being returned to the score it was, prior to Navient 's false credit reporting. On a separate issue, I have many student loans that are not on my StudentAid.gov, but that Navient insists are mine. I have asked Navient repeatedly over the years to open an investigation into these loans that are not mine, and they have done nothing but continue to demand loan payment. I've been paying since approximately XXXX, it's hard to believe an original loan from XXXX for an amount of {$500.00}, is still owed and due. Something is terribly wrong!!!!!!!!! Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ID
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: Card was charged for something you did not purchase with the card

Complaint:
we were with Cap One for years we've never used our debt card for a purchase. we were hacked and other credit card companies waived any charges not Cap One we eded up with a loss of {$4200.00} because they believed hacker not a long term customer. we paid because we felt Cap One would ruin our credit if we didn't

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17
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 am a victim of identity theft. Some information which appear on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of 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 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting 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:
XXXX XXXX contacted Transunion today at around XXXX PST. He was repeatedly hung up on, disconnected, provided false and inappropriate guidance from numerous representatives as XXXX was advising of a case number concerning fraud on his Transunion profile exclusively. XXXX had spend numerous amounts of his time explaining simple things like email address information, police report numbers and was not allowed to provide all the information XXXX was trying to provide to Transunion. XXXX is a victim of consumer fraud and Transunion is not complying with the removal of inappropriate remarks on his credit profile. XXXX in one instance was providing the police report number to a Transunion worker, and the worke disconnected the call after reading back the police report number numerous times. Providing an email address to another worker became very difficult as well, as the worker began reading back worded that are not even English. 

This is serious. It should not be this difficult to get fraudulent remarks removed from a credit report. In fact XXXX feels that they are working to not remove the remarks with the so backwards and ignorant mannerisms and behaviors. Transunion should not be asserting false and misleading information and then working to keep it on he report when there is a police investigation into the conduct of the merchant not exclusive to just XXXX. 

XXXX was trying to provide the following information and is unsure if Transunion properly recorded it. 

Case Number : XXXX Station : XXXXXXXX XXXX XXXXXXXX investigations Phone Number : XXXX Investigating Officer : XXXX ( Badge 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 2019-07-29
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have been a Lowe 's credit card holder for 28 years and when my XXXX XXXX checking account had fraudulent activity the bank stopped all ACH and withdraws and assigned a new account number. My Lowe 's payment crossed around the same time and they never notified me that they did not receive payment until the next statement which included past due and new bill. When I called customer service they took the {$41.00} payment and removed late fees. A week later I received a letter that they closed my account due to non payment. I requested to speak to a supervisor to reconsider keeping the account open after being a good paying customer for almost 30 years this being my second Lowe 's account. They stated they would need to review further and reply in writing. It is now XXXX and they continued to allow the late fees to be charged without working with the customer after reporting bank fraud.

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 2019-12-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
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:
On XXXX I responded to an on-line Pre-approved CapitalOne credit card offer with a {$150.00} sign-on-bonus with an immediate computer-generated response that said I was denied even though I have an excellent credit score of XXXX and above ; depending on the reporting agency. Although I was denied the card with the sign-on bonus, CapitalOne offered me another card that said I was approved for, but I denied the offer because I recognized it as a fraudulent bait and switch scam and I didnt want to do business with a company like that. 
This was a fraudulent bait and switch scheme that was clearly aimed at getting my business but without paying me the sign-on bonus. When I received a denial letter shortly after, all the reasons were untrue and invalid such as too many inquiries in the last 12 months which I had none. It also claimed amount on revolving accounts too high which as of this date XXXX  XXXX  shows utilization of XXXX {$580.00} out of {$110000.00} but the main question is How can I be denied for a card yet approved for a card for the very same reasons? 
This is a scam and it has affected my credit score by adding two inquiries which CapitalOne has refused to remove when I spoke to an agent by the name of XXXX employee # XXXX at XXXX. When I asked how can I be denied for a card yet approved for a card for the very same reasons the employee lied to me and said I was denied the other card also and became belligerent. It should be obvious thats a lie because why would another card be even mentioned at all if I didnt qualify for a credit card, yet she knew about the offer. 
I want the inquiries removed but I want CapitalOne to be cited and to be prohibited from engaging in marketing scams that can affect peoples credit without recourse. 
Please stop these frauds from doing this to others and hold them accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
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 am writing my CFPB complaint today to inform you that I am a victim of identity theft. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into these inaccuracies and the subsequent removal of the erroneous items. I kindly ask that you initiate this investigation and provide me with a written response within the statutory timeframe of 30 days as required by law. I have attached the important documentation, including payment receipts and identification documents, to verify my claims and request a thorough investigation into this matter. These are the following items that needs to be remove in my credit file right away : XXXX XXXX XXXX XXXX XXXX XXXX, ARXXXX ; XXXX XXXX Balance : - ; XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ; XXXX ) XXXX Balance : {$1300.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX  ) XXXX Balance : {$770.00} ; XXXX XXXX XXXX  ( Original creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$310.00} ; XXXX XXXX XXXX ( Original creditor : XXXX ) XXXX Balance : {$79.00} ; XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$360.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ARXXXX ; XXXX XXXX XXXX XXXX, ARXXXX ; XXXX XXXX XXXX, XXXX; XXXX XXXX XXXX XXXX XXXX, ARXXXX ; XXXX XXXX XXXX, MIXXXX ; XXXX XXXX XXXX, ARXXXX ; XXXX XXXX XXXX XXXX XXXX, TXXXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX Balance : {$79.00} ; XXXX XXXX XXXX Balance : {$310.00} ; XXXX XXXX ( Original creditor : XXXX ) Balance : {$79.00} ; XXXX XXXX  ( Original creditor : XXXX XXXX XXXX XXXX ) Balance : {$310.00} ; XXXX XXXX XXXX XXXX XX/XX/XXXX. 
XXXX, XXXX, XXXX ; XXXX XXXX, ARXXXX ; XXXX XXXX XXXX XXXX, ARXXXX ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$12000.00} ; XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX Balance : {$770.00} ; XXXX XXXX XXXX Balance : {$79.00} ; XXXX XXXX XXXX Balance : {$310.00} ; XXXX ( Original creditor : XXXX XXXX XXXX ; XXXX ) XXXX Balance : {$1300.00} ; XXXX XXXX  ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$770.00} ; XXXX XXXX ( XXXX XXXX ) XXXX Balance : {$79.00} ; XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX ) Balance : {$310.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: JPMORGAN CHASE & CO.
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: Problem with personal statement of dispute

Complaint:
I received a notice from XXXX XXXX  that I had a hard inquiry from my credit report from 2 companies on XX/XX/XXXX. The companies were XXXX. I have not applied for any credit on this date so I called the company to inquire. I called the company on XX/XX/XXXX. XXXX which is Chase at XXXX they would not disclose anything if I was not already a Chase consumer. I would like to report these for potential identify theft concerns. My last name is XXXX and has been since XXXX the name on the denial letter is XXXX my former married name. The company indicates they were not able to reach me to speak about the issue that is not true. I received a call from Chase the telephone number was XXXX at XXXX on XX/XX/XXXX letting me know they were contacted by CFPB and that they would be investigating this claim and sending me a letter with the results of the investigation. Yesterday XX/XX/XXXX I received a denial for credit letter in the mail from Chase so someone did apply for credit using my information. I am concerned because a former last name was used and this was not caught by the person running my credit report. I did not apply for this credit card nor authorize my credit to be run. I am now attaching the denial letter from Chase ATTACHMENTS XXXX XXXX ( XXXX KB )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
A debt to hsbc was paid as of XX/XX/2014 to XXXX XXXX, with XXXX XXXX  XXXX  showing as the owner of the debt. Today I was threatened with legal action on behalf HSBC by a company at XXXX. They refused to answer what state their lawn office was from. The attorney on the case was not available. The account number they had did not match my records. This is the second time I have been threatened with legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17
Company: EQUIFAX, INC.
State: TX
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:
Since XX/XX/2019 I have contacted the collection agency XXXX XXXX and all three credit bureaus ( XXXX, Equifax, and XXXX ) disputing the unknown account and asking them to provide documents to support their claim of me owing them debt such as identifying documents, a legal contract bearing my signature, calculation of the debt, how it was calculate, and who furnished the information. For over six months all I get are " form '' letters no real facts when they should have provided these documents within 30 days according to FCRA law. They have continued to break the law while my quality of life suffers. This is my last attempt to resolve this issue without legal assistance. The account in question is XXXX XXXX Account # XXXX for XXXX XXXX  ... Amount {$130.00} for an authorized/unknown utility.

Company response to consumer: Closed with explanation