BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-14
Company: Genesis Lending
State: VA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I would like to know why my genesis loan I got back when I attended XXXX in XXXX, PA in 2012 was not part of the XXXX dollar discharge that the CFPB won in federal court. I got a letter in the mail about this event and it said I should hear something about my loan in the next couple of months. In the meantime my private genesis loan was being sold to another loan company to avoid the discharge of my loan. So I went from Genesis Lending Services to XXXX XXXX XXXX which is under University XXXX XXXX XXXX. I would like to know why my loans with Genesis were n't apart of the lawsuit and if they were part of the lawsuit then why were my loans sold to another lender shortly after the news of this lawsuit became public? I would like some clear answers about this matter.

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 explanation
Consumer complaint received 2016-10-17
Company: ERC
State: LA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
In the month of XXXX, Enhanced Recovery suddenly reported a so called debt on my credit report and never sent me anything prior to reporting giving me the right to dispute the account before reporting it. As soon as the account showed up, I immediately sent a letter requesting validation of this supposed debt and I sent the letter certified. The letter was mailed in XXXX and still to this date, I 've yet to receive a response but the account remains on my credit profile.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
i even sent a letter to get multiple inquiries removed ... .claimed they never got it so i'll just attached it to here so they won't claim they didnt get it ... .there is inquiries i never authorized and trying to have them removed ... heres my identity once again so they know its 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 2019-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are accounts that aren't mine. Please remove them 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 2017-01-19
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
XXXX - {$170.00} Account was not verified as according to law ; no documents were sent. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that the credit reporting agency disclose to me all of the documents that have been recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. It was responded to my request saying that these accounts have been verified. There were no copies of the documents that the credit agency has in their files sent to me. 
You do not have any documentation in your files to verify the accuracy of the disputed account, please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, the credit agency was unable to provide me with a copy of the verifiable proof that for the account listed below within 30 days of XXXX/XXXX/2016 please remove accounts from my credit report.

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 2015-10-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
I opened CapitalOne 360 Savings on during XXXX, 2015. As per this account terms and conditions - I was suppose to get {$500.00} bonus if i deposit {$50000.00} within 10 days which i did. 
XXXXHere are the terms and conditions:1. Open your first 360 Savings account by XXXX/XXXX/2015 XXXX XXXX EST. 
2. Deposit {$5000.00} or more from an external account within the first 10 days of opening and maintain that balance daily for 90 days to qualify for a {$50.00} bonus. If you deposit and maintain {$10000.00} or more daily for that same period of time you 'll earn {$100.00}, and so on upto {$500.00} total. ( Check out the chart for more details. ) XXXXI deposited $ XXXX within 10 days on XXXX/XXXX/2015 and today it 's 90 calendar days. Few days back I send them a fax asking about the status of my {$500.00}. Called up also. Then i come to know that they are not going to give me any {$500.00} as i had ING Direct account in the past. ING Direct was acquired by CapitalOne. 
This raises few questions:1 ) This should have been told to me long time back and not after 90 days. 
2 ) They are violating the terms and conditions at that time ( back in XXXX 2015 ) though terms and conditions when i checked today is saying what they are talking about now. 
3 ) There is no message center via which customers can send email to them or send a message ... .just a phone number that too working during east coast time. 
4 ) This is a new account - i never had XXXX degree checking account with XXXX One-why they are trying to have an excuse that I was having a savings account with ING Direct. Let 's say there is an " XXXX Bank '' which gives me a cash bonus for opening an account and Capital1 acquires that after 5 years - will Capital One will come back to me to get that money back? 
5 ) Are they taking all the liabilities and action suits against ING Direct also? 
According to me this is a mere excuse not to give {$500.00} bonus. 
Attaching all the documents and promotion snapshot ( from XXXX 2015 ) itself.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
On XXXX XXXX, 2015 I called Capital One Auto to get a settlement amount for the repossessed vehicle that they have already sold. I asked them to send it in writing with the amount and the payments that were agreed on. I was told that this would happen. Three days later the loan was written as a charge off and I 'm told that there is no one to contact for this account at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
One of my friend posted on XXXX that she made XXXX from XXXX through XXXX XXXX through XXXX  mining investment. Since I knew her personally I asked her about it. She said it really worked. So I contacted XXXX, I made XXXX XXXX transferrs. One for invested XXXX and then XXXX. XXXX XXXX for investment. After the he created a profile for me on XXXX Showed me my investment of XXXX and withdrawal amount ready XXXX. He then asked me for withdrawal fee of XXXX which I was very hesitant about. So I asked my friend ( her account is hacked I still dont know this ). She said yes do as he says. So I did that. Transferred him {$100.00} through XXXX via XXXX XXXX  and then XXXX transfer of XXXX. Once I completed this, the next we asked for his commission which we agreed to XXXX ( 10 % of profit ). So I XXXX him his commission. Then he asked for verification for XXXX. He said to talk to my friend and she will help me. Somehow he hacked into my XXXX account and did not you allow me to access back in. He changed the email, deleted phone number and activated two factor authorization completely blocking my access. Thats when I texted my friend and asked her what happened to XXXX. She said she got hacked a few weeks ago. Thats when I learned I got scammed. I spoke to my bank who did not guarantee the scam money back. 

The persons XXXX name is : XXXX  The website is 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 2015-06-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
I deposited some money with Capital One 360 to try it out about a year ago. I called today to tell them to close the account and send me my pitiful account balance. I was told that I have to validate the test deposits before I can close my account and get my money back. So they had no problem taking my money in the XXXX place, but when I want it back I have to jump through hoops to get it. I have never heard of this process with any other institution. It is not about the money, it is about the stupid process to get my money back ... I thought they were " No Hassle ''

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20
Company: Nelnet, Inc.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Due to a XXXX ( " XXXX '' ) in XXXX XXXX applied to have my Student Loan quashed, as I was unable to be fully employed and was on several medications. I was also granted a " XXXX '' registration decal. I notified Nelnet I was diagnosed with XXXX, and a high susceptibility to Stressors ; and a XXXX XXXX. As a result, Nelnet , Inc. " discharged '' my loan, in full. Months later, I began getting almost daily notices fron Nelnet, all unsigned, saying, I was put on stanby status with the loan, and some letters saying it was already re-instated? Some letters said my loan was put on a standby monitoring period, depending on me signing new paperwork, and if I did n't comply, the loan could be re-enacted. I have n't, nor do I plan on signing any " new '' documents which I feel will be used against me to re-enact the discharged loan. When I asked Nelnet for proof in writing on where they were getting their new procedures from, they ignored me. Whenever I requested a " point-of-contact, '' I wasalso, outright ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Received a letter from XXXX XXXX XXXX : Current Creditor XXXX XXXX XXXX stating that I owe XXXX. They informed me that because the Law limits how long you can be sued on a debt XXXX XXXX XXXX will not sue me and will not report it to any credit reporting agency. So XXXX XXXX XXXX has placed this account with XXXX, they are asking for XXXX XXXX time payment and the matter will be closed. I am a XXXX employee whose data was hacked twice, This Debt is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-20
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Dear CFPB, I have received a response from XXXX concerning XXXX inquiries on my credit file. As per their response, XXXX XXXX, 2015, there should be only XXXX inquiries as per their records show. The CRA 's are reporting false information that is hurting my creditworthiness.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-09
Company: EQUIFAX, INC.
State: FL
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 recently received a response to a dispute regarding a reinserted judgment, that I made under FCRA 611 ( a ) ( 1 ) regarding an erroneous item on my credit report involving a Chapter XXXX Bankruptcy. I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report. In a letter provided to me by your company it states the information has been verified by the company your obtained the information from. That company XXXX XXXX has sent me a letter ( Attached ) stating this item has now been removed. If they have done their due diligence in correcting this erroneous record how is it you all are stating it is verified?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
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:
credit report pulled without my authority online and without my knowledge. I would like proof of my signature that i gave permission to pull my credit report or have it removed asap. 

I XXXX XXXX XXXX do have a hard inquiry on my credit from XXXX of bmo harris bank thait is fraud that I did NOT authorize by any manner. I have talked to the bank on 3 occasions and they have not removed it. I do not and have never had acct with this company by any means. this is a fraud attempt that they refuse to contact the credit reporting agency to have it removed. XXXX XXXX will not remove without bmo harris bank stating to remove the inquiry dated XX/XX/2019.

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 2015-07-18
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card
Issue: Payoff process

Complaint:
I went in XXXX 2013 to have XXXX surgery. During the setup for the surgery when i was filling our paperwork they gave me a sedative for the surgery. They offered me a pay later form of payment and had me fill out the paperwork. I was never explained what deferred interest was or that there was any pertaining to the paperwork. I made payments for the next years and then in XXXX saw a huge spike in my payments and balance. I went back through my emails and saw the balance go from {$1400.00} approx to {$3200.00} approx ( more than the initial surgery in full ) I called to figure out what was going on and they told me that since i had not paid the balance in full all the interest would be applied to the full amount and not only that. The interest that was applied would now be accruing interest along with the previous balance. I asked how i was supposed to know when the date was coming and they directed me to my statements that were sent via email. Well i never registered for an account online so I was able to see the dollar amount owed in the emails but nothing pertaining to my account otherwise. If i clicked on the " view statement '' field of the email it took me to a register for the website area which would n't accept my account number given to me by care credit. In general this whole thing is a scam. They make it extremely difficult to even get them on the phone. They carry XXXX different account numbers which the online XXXX they can not even find because it was setup by the XXXX doctor on their own so we have NO ACCESS to it. So i was n't able to see when my payoff was due or anything like that. I really feel this is a disgusting practice and was done with the intent of duping the customer. 

Please let me know how to proceed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-18
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I was an authorized user on this account up until I removed myself in XXXX 2015. According to my credit report, the balance has stayed the same and it looks like there has n't been any data reported since XXXX 2015. Is there a way to show a XXXX balance here?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-13
Company: EQUIFAX, INC.
State: OH
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, the following items are in violation of my rights. 

XXXX XXXX - Account Number XXXX XXXX XXXX - Account Number XXXX XXXX XXXX XXXX  - Account Number XXXX XXXX  - Account Number XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I have been trying for over 4 months to resolve this late payment issue with the threee credit bureaus. The Account in question is XXXX XXXX Account number XXXX. I have no record of being late. Under the FCRA Law, the bureaus have violated my right as a consumer and I have the right to see all information or proof of my delinquent on this account. Their information are inaccurate and must be immediately remove from all my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I paid my bill of XXXX on the last statement and they for some reason refunded it then closed my account ... i then explian to tjem i did pay and can prove it in my bank statement that the money was refunded and they still closed my CC. I then said if your going to XXXX me then i wont pay whats on the balance. This was a few years back though. I would pay it but i feel they aint goi g to remove it anyways from my report

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 2016-12-16
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card
Issue: APR or interest rate

Complaint:
I signed up for a Barclaycard credit card with a promotional offer of XXXX % interest for XXXX months on purchases and balance transfers. I did a balance transfer when I opened the account, on my first statement I noticed I was being charged XXXX % interest rate. I called on XX/XX/XXXX and spoke to a representative and got a case # XXXX, they took my information and told me my account would be adjusted to XXXX % interest for XXXX months and credited for interest accrued. Follow up emails to Barclaycard have replied back with conflicting information regarding my case and when it was started, with no resolution or date to resolve of this issue.

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 2022-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I XXXX XXXX have contacted XXXX Transuion, And XXXX reporting and sending proof that Im a victim of identity theft Including but not limited to a official filed police Report a Theft affidavit Copy of FCRA 605B making all consumer reporting agencies aware of the violations they may have coming their way if this is not cleared ASAP! 

XXXX failed to Remove the Fraudulent account XXXX XXXX Finance XXXX XXXX XXXX XXXX claim I did not provide a dl or identity theft report but I indeed did 3 -4 months ago XXXX have failed to protect my consumer rights and did not Remove those fraudulent accounts or fraudulent addresses below even after sending in a complete filed police report and proof of address and DL Also XXXX failed to make my credit report available to me XXXX XXXX XXXX XXXX  tx XXXX XXXX XXXX XXXX XXXX XXXX ( fraudulent address ) XXXX Did not Remove TRANSUION FAILED TO MAKE MY CREDIT REPORT AVAILABLE WHICH IS CONSIDERED a violation Im seeking for damages in federal court XXXX : Failed to make my personal credit report available as well as reporting inaccurate information on my credit report account listed below XXXX XXXX  XXXX XXXX XXXX XXXX XXXX FAILED TO REMOVE THOSE FRAUDULENT ACCOUNTS AFTER ME SENDING A COMPLETE FILED POLICE REPORT AND THEFT AFFIDAVIT FOR THE FRAUD THAT OCCURED THESE ACCOUNTS NEED TO BE REMOVED ASAP AS IM NOT FILING A FEDERAL LAWSUIT AGAINST THESE COMPANIES AND WILL BE SEEKING FUNDS FOR FAILING TO PROTECT MY CONSUMER RIGHTS AND FOR THE VIOLATIONS THEY HAVE VIOLATED

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 2020-06-09
Company: Experian Information Solutions Inc.
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: Account information incorrect

Complaint:
Dear Sir or Madam : I am writing to dispute the following information in my credit file. The item Im disputing is XXXX XXXX XXXX. 

This delinquent account record is inaccurate because I did not miss payments between XXXX and XX/XX/2017. I am requesting that the account be corrected to show that it has always been current, with no record of being delinquent. 

Please investigate this matter and correct the disputed item as soon as possible. 

Sincerely, 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