BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-26
Company: EQUIFAX, INC.
State: MS
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: Experian Information Solutions Inc.
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:
I recently checked my credit report and discovered a lot of billing errors. mistakes in billing under U.S. 15. Code 1666 ( b ) the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit extended to the debtor. a computation error or other accounting mistake made by the creditor on a statement. There shouldn't be any late payments on this account because, as far as I'm aware, the creditor didn't send me a statement 21 days beforehand. I demand to see specific documentation from the creditor 's bank accounts proving that I failed to pay and were considered past due because these are obviously billing errors. Below are the list of the disputed accounts. 
XXXX XXXX Balance : {$680.00XXXX XXXX XXXXXXXX XXXX Balance : {$570.00}

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 explanation
Consumer complaint received 2016-08-09
Company: CITIBANK, N.A.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
XX/XX/2014 I completed a short sale of my home. I recently observed my credit report and CitiMortgage is continuing to report to the credit bureau resulting in my credit worthiness and credit score to have a negative impact. I was able to confirm that CitiMortgage has no legal grounds to continue reporting this account to the Credit Bureau.

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 2016-04-09
Company: Alliance One, Inc.
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
AllianceOne Receivables Inc mailed a letter ( without a date or letterhead ) claiming that I owed over {$1800.00} in XXXX tolls from 2009. The company then added almost {$9000.00} to their company 's collection fees on to the bill. 
The letter sent had no official letter head or representative name or ID #. There were also several account numbers handwritten in a blue pin on the paperwork. That debt has been paid and settled. 

Outside of the debt not being mine, it is outside of the Statute of limitations for XXXX & XXXX ( 6 years ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: CITIBANK, N.A.
State: IL
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:
On XX/XX/XXXX I made a payment to the apartment complex I was renting from. The lease was ending on XX/XX/XXXX so the property management sent me an email with the prorated amount due. I wanted to make a split payment with my XXXX Best Buy credit card for {$790.00}. In error I paid {$2600.00} to XXXX XXXX XXXX AZ. I called the property immediately to request the payment be cancelled since it was showing pending on my end and when I spoke with the credit card company they stated it had not posted on their end. The personnel in the office at the apartment complex were not willing to assist and she portrayed there was not much she could do although she was the property manager. Once the amount showed up on my Best Buy credit card account, I called back and started the process of the dispute. I faxed documents which showed the prorated information from the apartment complex that was sent to me. I faxed them the ledger to show the over payment. I called Best Buy XXXX credit card multiple times, I was expecting a 30 no more than 60 day turn around but every time I called they had no updates or information. I recently received a letter from Best Buy stating my dispute was denied and charges were valid. I have not received any over payments from the apartment complex either. I have emailed them a demand letter today on XX/XX/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 2019-12-23
Company: FirstPoint Collection Resources
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was in a car accident XX/XX/2016 and I have been fighting the other person 's insurance for over 3 years. I finally got everything settled with my lawyer 's help.My lawyer settled with the hospital for {$500.00} and the check was cashed. A binding agreement was also attached stating that I should no longer be contacted for the balance once the check was cashed and also per NC Debt Collections laws state that I can not be billed after 3 years because of statue of limitations. The amount of {$1700.00} has been placed on my credit and I want to get it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Good afternoon Capital One, I applied for the XXXX loan and was award in XXXX and XXXX. I called my bank before receiving the bank to see if it would be affect by the loan. He advice a business acct because i don't have a branch bank in my area. Everything was fine, I did payroll transfer and they tell me to call. They said they were doing an investigation. I send in tax returns, and docs showing my business was registered with the state of Georgia. I never received a response bank, i called a lady and she said they had a third party and they said that my biasness did not deserve the loan. This has been going on for a whole year. The loan went into default and that I will be penalized. I will not be able to file for any type of government assistance. I hired a lawyer and they have not respond to my lawyer. They don't know what is going on. 

***As I have reached out to XXXX XXXX XXXX to inquire about my XXXX that was awarded to my business that is a sole proprietor that I established in XXXX and turned into the a XXXX after revenue increased in XX/XX/XXXX. I did file taxes for my XXXX XXXX business in XXXX and XXXX so I don't know where your records are coming from as I stated before all business docs ( bank statements and tax records and contracts ) was sent and reviewed by lender which is XXXX XXXX  and XXXX and everything was approved by them that why I, XXXX XXXX signed a promissory note that was also signed and agreed by XXXX XXXX and XXXX. As I stated before this has been a long stressful year dealing with you guys especially being that Capital One is not my lender I have reached out to everyone to FDIC, OCC, XXXX  XXXX XXXX and XXXX and as well as XXXX XXXX. There was no fraud found on either of my business and have not been any communication sent to the lender nor XXXX on my loan being fraud. XXXX XXXX does not do XXXX XXXX Letters and did not received an communications with the XXXX weeks timeframe on the disbursement of my XXXX that was sent out as a sole proprietor. I need the funds to released for XXXX from XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-26
Company: Experian Information Solutions Inc.
State: NM
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 to the Fair Credit Reporting act, these accounts have violated my rights XXXX XXXX XXXX Date Last Active is inaccurate XXXXXXXX XXXX XXXX Date Last Active is inaccurate XXXX XXXX XXXX Date Last Active is inaccurate 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 an 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 2015-09-28
Company: BMW Financial Services NA, LLC
State: CT
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I was charged a late fee when my due date is the XXXX of the month, there is a grace period after that but I was charged a late fee well before payment is due. My original due date was the tenth, it is now the XXXX and do not see why I should get a late payment fee. I '' ve attempted to call in to BMW Financial but they are never open when calling, I need to clarify why the late fee was charged and to adjust a payment I made, the date needs to be changed. However, I first need to clarify the due date is now the XXXX so the account does not go thirty days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: AMERICAN EXPRESS COMPANY
State: WA
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:
We booked flights with XXXX through American Express Travel using our, at the time, AMEX Platinum card. These were booked as return flights, XXXX has since cancelled the flight there, attempting to separate the legs when they were booked together. 

XXXX are also refusing to provide a timely refund, so we filed a dispute with American Express, who are delaying and refusing to refund the charges, so far because the first, cancelled leg is on XX/XX/XXXX. In the cancellation email, XXXX simply stated it was cancelled. In the AMEX Travel cancellation email sent later, they claimed an airline credit was issued, which is neither wanted nor was it ever requested, plus this contradicts what we were told about a refund on the phone. The XXXX cancellation email was XX/XX/XXXX, the AMEX Travel one was XX/XX/XXXX. 

Tonight, when calling again, they put me on hold then hung up after leaving me there for about 10 minutes.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-24
Company: AMERICAN EXPRESS COMPANY
State: ME
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
The XXXX website makes it appear that when you apply for their Credit Card you will get a {$200.00} discount immediately off the the ticket price from the flight. What it does not disclose in a transparent manner is that it is a statement credit. Based off the appearance of the information bellow the ticketing information it is deceiving to the consumer. This is very misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: Experian Information Solutions 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:
Collection verification letter response to your recent claim that the account ( s ) listed below have been verified and that the information they are reporting under my name is accurate. 
( 1 ) XXXX XXXXXXXX with account number XXXX | ( 2 ) XXXX XXXX with account number XXXX XXXXSee attached document

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 2022-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
The inquiries and information listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to all three credit bureaus. The reality that this information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inaccurate information and inquiries listed below as a result. 
Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Employers : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX BANK XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Someone has illegally obtained my personal information and has been trying to gain access to credit, I now have several accounts and inquiries that were fraudulent done without my consent and now reporting to my credit report on all 3 major reporting credit bureaus these inquiries have significantly dropped my score and negatively affecting my putting me in a financial hardship they need to be deleted as they were not authorized and illegal without my consent

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 2022-07-26
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:
Dear CFPB, thank you for addressing my concerns. I have tried my best to correct errors on my credit report, through certified mails, they say they have done one thing, yet they are doing the opposite. Everything they are doing is not in conjunction with one another reports when they say they verified. For example XXXX stated they verified accounts of my student loans the same time that TransUnion verified. TransUnion deleted all of those accounts, at least they sent me proof, I checked today and they are still present on my report ( proof will be attached that they said they deleted ). XXXX stated they verified the accounts are correct, I sent them proof of TransUnion results, they still have not deleted and therefore by one verifying and deleting, that makes the other dishonest. Also, I provided a Hippa Violation of a Collection agency that sent me information on my treatment without a HIPPA release attached, direct HIPPA violation, I sent to both, nether have remove. Please can you seek corrections of these credit reporting agencies, they are destroying my life. My credit report was a XXXX, XXXX and with the same items, every payment of mines paid on time, nothing late, and now I was just dropped XXXX points today, but before then even more cause my score is now a XXXX, a total destruction of me accomplishing anything. It time to pursue other actions against these reporting Bureaus so for starters again, I am coming to your organization for help. Some of the documented proof is attached, so very much, wanted to send something to have as a reference.These credit reporting agencies sadly to say is targeting certain cultures to ensure they accomplish nothing. I have perfect paying records and according to what they are reporting with the scores they say the computers are giving is as if I pay nothing on time, all my Credit cards are on time, my car payments, my student loans has never been late and is current. Thank you for your time.

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 2016-05-20
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Equifax has re-added XXXX accounts on credit report that were deleted. i have attached the XXXX from XXXX for these accounts. 

Every week I am disputing these after they are added back on my report. 
XXXX XXXX and XXXX XXXX should be deleted also. they were re-added to report. I also have ID theft statement from FTC on these debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-24
Company: Scott Lowery Law Office, P.C.
State: OK
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
The XXXX Scott Lowery, P.C. law firm is representing XXXX , XXXX in collecting a debt I do not owe. The name on the account is not my legal name and I believe the account was created from identity theft. A judgment for {$160000.00} was granted against me. This has been a series of long and never ending harassment events over the past 2-3 years. I have pending complaint against XXXX XXXX XXXX with the Oklahoma Bar Association for unethical behavior. Also, I have provided a valid and notarized ID Theft Affidavit to XXXX Scott Lowery, P.C. law firm. I seeking all monies garnished and collected from me to be returned and release the judgment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been actively speaking with people for over two years trying to resolve this issue I have Recently spoken with XXXX in the fraud department for XXXX because I have sent in FTC reports, as well as police reports proving these accounts are fraudulent and I have yet to get a fair resolution it has been well over 90 days since i have spoken with XXXX and all of these accounts have inaccurate information, its unverifiable, and they are also violating 15 U.S. code 1692g ( 4 ) validation of debt ; 15 U.S. code 1681 ( b ) they are violating plenty of my consumer rights. XXXX and XXXX have worked quickly to remove the accounts, only XXXX have not removed the fraudulent accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Capital One recently introduced a new Performance Savings account with a 1.7 % interest rate. However, existing customers with their current savings accounts were not notified that their rates were lowered and that they could open the Performance Savings account at the the higher rate. This is very deceptive as Capital One can create new accounts with higher rates while excluding existing customers with notifications that they can move it to a new account. Numerous customers have complained on their social media channels.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: EQUIFAX, INC.
State: AZ
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:
The inquiries and information listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to all three credit bureaus. The reality that this information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inaccurate information and inquiries listed below as a result. 
Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation