BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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:
This account was paid off and has continued to show late payments. The payments showing are still showing late.I spoke to the company and they stated they are NOT reporting it late.  ( I   'm not sure who is reporting it, but it is incorrect ).      CAPITALONE  Account Number  XXXX  Account Type Credit Card Terms Revolving Date Opened   XXXX   Account Status Closed Payment Status Late Payment Status Details Charge-off Status Updated  XX/XX/XXXX  Balance {$5300.00} Balance Updated - Credit Limit {$5000.00} Past Due Amount {$5300.00} High Balance - Monthly Payment - Balloon Payment - Contact Phone (  XXXX  )  XXXX  Contact Address   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , VA  XXXX  Ownership Individual  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  Failed to pay DISPUTE GUIDE >

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11
Company: EQUIFAX, INC.
State: OR
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 supplied the attached documents to the company several times in order to have accounts opened in my name from ID theft BLOCKED with the FC RA 605B, the y have told me that in order to block it the original creditor needs to give the OK which is not the case when it comes to accounts open through ID theft, i have gone back and fourth with calling multiple times and sending over  5 fa xes. I have the Fax receipts confirming they have received them. I have uploaded these same Docs twice via their computer system. and I have mailed a package with tracking in order to ensure they receive them. These fraud accounts were reporting too all   XXXX   agencies and  XXXX  and  XXXX  have blocked these accounts given the information. BY law the agency have a t MAX 5 busi ness days to have them blocked. They are now hindering my ability to buy a home and causing me so much  stress d ue to this. I need these items gone since they are not an accurate representation of how i pay my bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
this item is from XX/XX/XXXX when opened had XXXX insurance on it I am permant XXXX since XX/XX/XXXX now the XXXX or more different companies changing open date to XX/XX/XXXX or newer that is false it was opened in XX/XX/XXXX they are changing dates I have tried every time old companies called me I told XXXX insurance then never here from then again then new company and so on and so on this needs to be taken off it has been 8 + years not the 1 or two they are trying

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11
Company: National Credit Services, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Over the course of   XX/XX/XXXX , I ac crued a debt with the college I was enrolled at that year,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX . Due to some college loans/grants/awards falling through, I was unable to repay the amount immediately. I subsequently re-enlisted in the  XXXX   XXXX  on   XX/XX/XXXX .  While I was on  XXXX   XXXX , the colleg e discharged my outstanding tuition bill ( {$8300.00} ) to a private debt collector, I believe in violation of SCRA.  That private debt collector then assessed {$1800.00} in collection fees while I was on  XXXX   XXXX , also in violation of SCRA.      ( my  web browser wont let me select the box for publication of this complaint, but I consent to the CFPB 's doing so )

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-11
Company: JPMORGAN CHASE & CO.
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Chase has  sent me   XXXX  c redit cards  (   Amazon Prime C hase credit card ) without me applying for them  :   XXXX   last y ear around   XX/XX/XXXX  and  XX/XX/XXXX and  XXXX  last month (    XXXX  2017 ).    I did not apply for any of the    XXXX    cards.   All  XXXX  times, I called Chase and was transferred to the fraud department. But I still got another card in the mail  ( new account number each time )  after the  XXXX  and  XXXX  cards and phone calls. Now Chase has issued me another card just last month.   I have never been an  Amazon Prime membe r and have never requested a credit card from Chase.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-11
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Around  XXXX   XXXX , I paid off my  XXXX   XXXX  account with a Balance Transfer from another bank. Too much was paid and therefore left me with a credit at  XXXX   XXXX  of {$130.00}. I was going to charge something to use that balance up. Several months later when I checked my account that balance was no longer there. I called  XXXX   XXXX  and they said they mailed a check. I NEVER could find this check and finally in  XX/XX/XXXX  called and told them that. They checked and said the check had cleared the bank. I told them I had not r eceived this check could they please send me a copy of the back of the check to verify my signature. Around  XXXX   XXXX  I received the copy of the check. Not only did the check NOT have my signature on it, it did NOT EVEN HAVE MY NAME!!!! I immediately called  XXXX   XXXX  to let them know that I had not received the check and I assumed it was stolen from mailbox and someone else had endorsed and deposited it. ( Or could it possibly be they never mailed it an d one of their employees took it as I had them compromise my card once??? ) I then called Citi Bank and talked to an idiot who told me there was nothing she could do but maybe I could take the check to one of their branches. I told her there were NO Citi Bank branches here. Did she want me to go to NY? She said, Yes, I could do that. I then asked to speak to a supervisor in the USA.  She informed me that it was  XXXX   XXXX    XXXX   job to file a fraud or forgery claim. I then called  XXXX   XXXX  back and asked for a supervisor in the USA. I talked to a very nice woman who put me on hold while she did contact their fraud dept. They told her they do NOT do that! She had me on hold several times as she checked with several different departments. She told me that each department said there was nothing they could do as they had paid the check and this was Citi Banks issue!! Between these phone calls, I was on the phone over  2 h  ours and got NOWHERE! I am out {$130.00} and I did nothing wrong but overpay an account. Citibank, on the other hand, committed an illegal action and is taking responsibility for nothing!! Can you help me??

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 2015-07-11
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
there is a collection on my equifax credit report, # XXXX it was only a checking account and equifax has it listed as a credit card or loan??? how can that be on a checking act only??? Secondly I have paid the XXXX $ and was told to file a dispute. I just got the paper work from the bank. How do I get a hold of equifax?? I would prefer to do by phone??

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Equifax is not releasing my report and score due to a fraud issue. I have called to verbally verify my identity and they stated it should be released which it is still not. This has been an ongoing issue for a while. I was told to go the the EF site and pull the report and I am still unable too. They refused to even mail me a copy.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I saw the name " XXXX XXXX XXXX '' on my credit report & I have no idea how that info ended up on my report. Therefore I am unaware what percentage of my score is responsible for that name. I need that disputed ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11
Company: Navient Solutions, LLC.
State: SC
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 established recurring monthly payments thru Navient and XXXX XXXX XXXX in late XX/XX/XXXX and my employer, XXXX XXXX XXXXXXXX XXXX in XXXX County, provided information for the Public Service Loan Forgiveness Program enrollment. As far as I knew, timely payments were being made. This is evidenced by my inquiry into a home loan and financial counseling with XXXX XXXX in early XX/XX/XXXX and my payments were up to date at that time. In late XX/XX/XXXX, I get an email from XXXX XXXX stating that I 'm 4 months behind! Naturally, I call right away to straighten the situation out. I learn from Navient that no payments were made SINCE XX/XX/XXXX and they had a street address in Texas and an email contact that was not mine. They made no effort to address the problem or discuss how/why payments were ceased ... ..and I HAD NEVER BEEN NOTIFIED of any issue. But now I 'm being penalized for the problem. The only option I was given was to enjoy a deferment until XX/XX/XXXX WHICH WAS NOT NECESSARY. Now, my credit score has dropped more than 100 pts with XXXX and I have no option for a home loan ... .which I had planned to apply for this XX/XX/XXXX. I need help! I need Navient to explain to me what happened and TAKE RESPONSIBILITY for mishandling my loan payments, possible re-enroll me in the PSLF program and acknowledge any interruption in payments was their fault. I 've fought my way back to XXXX after being XXXX by a XXXX XXXX XXXX on, XXXX two parents after battles with XXXX and I HAVE NO FINANCIAL SAFETY NET. I had to rebuild everything I had from scratch and I am quite tired. I would be most grateful for any guidance you can offer. I will be submitting another phone inquiry to Navient in the next 3 business days to confirm my recent tax information has been accepted online and they are prepared to reinstate lower payments ( as I lost a 2nd job last year and have nearly {$8000.00} less in annual income now ). I still need an explanation and some sort of accountability for Navient 's error so I can be made whole again and reduce considerable anxiety about what I 'm going to do about a home in the future. Thank you for your attention and assistance. Very grateful this options is a real one to get sound advice! XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Application processing delay

Complaint:
Appllied for Toysrus master card in the month of XXXX and I did not receive my card till XXXX XXXX. 
Called this company several times for the status and every time they say they are expediting the process, but issues not resolved.Customer service used to say previous request was not processed and they will complete a new request this time and it kept on happened for 5 times in the month of XXXX and XXXX. 
No response on why they are not able to process the card. 
They did my credit check and approved the card We already spent more than XXXX in toysrus using my other cards and lost my 10 % discount for card holder which is approximately XXXX $ It 's really a worst customer service I have ever had

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 monetary relief
Consumer complaint received 2016-04-30
Company: EQUIFAX, INC.
State: NM
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
well I have a big issue with the information in my credit report. when any agency run my credit, always appear an address in Texas that I never been and a social security number that is not belong to me. also says that I work for I design compsany and I am the owner. 
I send letters already to the credit agencys and copys of my identity and XXXX do not have record of my credit and information, transunion send me a copy of my credit history and it shows a social security numnber pthat is not mine, and equifax it shows an address in Texas that I never been and a tottaly diference a social security number than XXXX. 
in fact, XXXX in my report shows the only last XXXX number of the social, but equifax report shows the complete SSN. I do not have a Social security number XXXX only have a Tax ID Number. the credit agency says that I dont exist in their system because I have a Tax ID Number, so how the can report private information from sombody else in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I sent in XXXX police report and the federal trade commissionand Equifax erfuse to removethe refuse to remove XXXXinquiries keep on getting d different answers.sent in what asked for and unable to get my credit report have to call in everytime. XXXX sent up not fixed. there response is to cancel need to monitor my creditreport due to identity thief. charge me XXXX and what to cancel instead of deleting old reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Credit Collection Services   XXXX   XXXX   XXXX  ,  XXXX , MA  XXXX  Date  XX/XX/XXXX  Dear Credit Collection Services After viewing a copy of my credit report, I noticed (   XXXX   ) collection accounts placed on my credit report from you in (   XXXX   XXXX   ) Acct #  XXXX  in the amounts of {$270.00} and {$71.00} from  XXXX . I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe.
Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization.
Please provide breakdown of fees including any collection costs and medical charges.
Provide a copy of my signature with the provider of service to release my medical information to you.
Cease any credit bureau reporting until the debt has been validated by me.
Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt.
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.
Sincerely,   XXXX   XXXX   XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: Experian Information Solutions 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:
SOMEONE BOUGHT A CAR FRAUDULENTY IN MY NAME.

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 2021-12-28
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:
SOMEONE BOUGHT A CAR FRAUDULENTY IN MY NAME.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card
Issue: Other fee

Complaint:
Only one payment behind and called numerous times daily. When asked to wave late fee, reply is that it is credited on the end of the balance. ( not helping me to catch up the late payment now ).

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 2022-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
There is plenty of incorrect information on my credit report such as misspelling of my name and addresses i am not associated to. 
The name associated XXXX XXXX XXXX is incorrect. 
The name associated 'XXXX  ' is incorrect. 
These addresses are not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, ca XXXX XXXX XXXX XXXX XXXX XXXX ca 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 2017-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I can no longer get access to my credit report  ( s ) fr om ANY of the  XXXX  credit reporting bureaus, now that I have filed complaints against them. I find this punitive and very bad business.     I DEMAND access be reinstated online through the portals that they set up, and of which I have an account. I need to make sure that they are investigating my submittals and demands that they correct and update my information.     I have lost the ability to purchase the home I wanted, because they continue to play games with my repor t ( s ).      I demand access be reinstated, and new reports AND scores be sent via postal mail within  10 busi ness days. I further DEMAND that all the disputes be FINALLY, corrected and updated.

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 2016-01-08
Company: BOK FINANCIAL CORP
State: AZ
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
Bank of Arizona N.A. made an unauthorized debit to my business savings account. The below message was on the account. I called and told them that there was no authorization for the debit and asked that they stop the transaction because it was still pending and it may be fraud. They refused to stop the transaction and the line went dead while I was on hold. 

Pending DEBIT ADJUSTMENT XXXX {$100000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 sent in letters asking all personal old information be removed from my credit report and nothing has happened. All old employment and old numbers and with old addresses I want them removed This is my current address XXXX XXXX XXXX XXXX, MI XXXX Current phone number ( 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 2023-02-01
Company: WELLS FARGO & COMPANY
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I received a letter on XX/XX/23 stating my credit card ending in XXXX was to be closed. I am XXXX with them closing my account as they also closed my checking account recently and have moved my business elsewhere. I am not okay with them taking hundreds of dollars in the reward points that I deserve and earned from them. I want those XXXX rewards dollars sent to me as a check immediately with interest.

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