BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I am requesting in writing on Capital One letterhead once the Capital One/Neiman Marcus account is paid off, this will be removed from my credit report. This is a charged off account which means it MUST remain on my report for 7 years weather I pay it or not and it doesn't remove the account from my credit report. Clearing up the past due balance doesn't erase the fact that my account was actually charged-off despite me contacting Capital One/Neiman Marcus notifying you when I was laid off from work without notice. 

I was trying to show good faith as this is my responbility, but I was late on my XX/XX/2019 payment due to XXXX and a week did not even past before Capital One reported to the credit bureau I was late. Capital One could have reached out to me and I could have explained I planned to make my payment on XX/XX/2019 which was my next paycheck, but since the good faith is not being returned, I want in writing that once this is paid off, Capital One or Neiman Marcus will remove this from my credit report. 

Not to mention, they see it is a struggling account and Im trying to catch up on payments and even when payments are made ( attached copy of payments from my account ), they are still adding on late fees making it IMPOSSIBLE to catch up ( attached breakdown of some of the late fees accumulated from this year alone ). If I can not get in writing this will be removed upon me finishing payments, you will no longer receive payments after XX/XX/19.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I contac ted Navient regardi ng my private loans &amp; requested to see if they can lower my monthly payments. I authorized Navient monthly payments in the amount of {$250.00} to be withdrawn monthly from my bank account. I submitted the documentation that they reque sted ( pay stubs &amp; bank statements ), however th ey advised after a financial review, you appear to have the ability to maintain the contractual terms ( $  XXXX  monthly ) .. Since my BF transferred money from his account to my account, they are now requesting his bank statements as well. My BF does not want to disclose his bank statements since he is in no obligation to pay for my debt. I contact ed Navient to advise  of the situation and they still are unwilling to lower the monthly payments. I spoke with a  CSR (   XXXX   )  on Sat  XXXX / XXXX /  XXXX  . She was extremely unhelpful &amp; advised me to call m y CSR (   XXXX   ) since he is the one wo rking on my account. I reached out to  XXXX  on Wed  X/XX/17    to advise my BF does not feel comfortable releasing his bank account information since this is not his debt and he is not obligated to pay for this debt.  XXXX  advised me without this information he can not further assist me or do anything for me. I advised him I only make {$35000.00} a year &amp; there is no way I can pay {$590.00} a month. He advised me in the last 5 years I have had  XXXX  rate reductions and they are under no obligation to reduce my monthly payments. I advised him because of my financial situation was the reason I had to file for bankruptcy last year. I advised him if I was able to make the monthly payments of {$590.00} I would be more than h appy too &amp; avoid m yself the headache and frustration of having to deal wi th Navient. I a dvised him since they are not willing to accept the monthly payments that I can afford to make, I unauthorized for them to deduct any future payments from my account until this matter was resolved. I advised him I was going to file a complain with the CFPB for their assistance in this matter. I looked over my credit report today &amp; they have reported me to the credit bureau as being 90 days past due, but m y 1st pay ment was not due until  XXXX  so how is it they I am 90 days past due. I am asking the CFPB to please assist me with this matter. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20
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. I requested copies of all of my credit reports as directed by the FTC.. I mailed Experian a Dispute and letter along with a large packet of supporting documentation. to correct & remove along with police reports and FTC IDENTITY THEFT REPORT on XX/XX/19. on XX/XX/19 aprox 11 days later, I received a form letter from Experian that they " were unable to honor your request '' no explanation, no reason, just that they were not doing it. I sent XXXX  and XXXX identical packets of Documentation and they corrected and removed Fraudulent information and errors. Along with the identity theft I discovered Astronomical amount of errors on my Experian Credit report.Numerous random name variations that I do not use. Incorrect name spellings.9 different addresses for me that I have NEVER lived at, Some of these addresses do not even exist. I sent in my last 24 years of drivers license as proof of the ONLY 2 homes I have lived in 24 years! Information shared without consent.Credit inquires from unknown sources. XXXX XXXX a party to this identity theft due to thier stolen check with my pre- printed information on it, Stated to me that they were sold my personal information by Experian and this is how they came to send me a pre printed check for a loan that I did not request! that was stolen. Outrageous practices.

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 2019-12-20
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I have a Bluebird by American Express debit account. It has been open and in good standing since XXXX. My wife and I use this account as our primary banking for our family and her paycheck is direct deposited every 2 weeks. Yesterday ( XX/XX/XXXX ) her check of {$1200.00} was deposited. After several transactions for the day, the account was last known to have a balance of between {$900.00} and {$1000.00} ( estimated after a XXXX purchase made online ). As of XXXX this morning ( XX/XX/XXXX ) the app would not allow me to log in and the website server was down. I attempted to get gas and use the atm with my Bluebird debit card, and was declined at the register and atm. I have attempted to call every few hours to customer service and only received an answer twice. Both times I was told to call back in 1-2 hours. The website did load around 9am, however states that the website is not functioning properly and accounts can not be accessed online, but cards are still able to be used. This is not true. Any transactions I have attempted have been declined. All communication via XXXX from American Express is met with an auto response that they are aware there is an issue, and they are working to fix it. They also state your funds are safe. It was been 7 hours from the time this problem began, with no statements made by American Express, no attempts to console their very scared and distraught customers and no ETA for when the problem may be resolved. I am terrified our hard earned money will not be in our account when/if they ever resolve this issue. I have a family to take care of and provide for, we need food and gas desperately. XXXX being 5 days away does not help this horrible situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card
Issue: Late fee

Complaint:
We are a   XXXX   XXXX   organization. We obtained a credit card from  American Express ( " AX '' )  because they promised 1.5 % credits for all early payments of their credit card bill balances. We set up an autopay arrangement with our bank to assure AX would be paid as soon as AX electronically notified the bank of the monthly balance due. We always had more than enough in our bank account to pay the balance. AX then unilaterally stopped posting the credits for over a year while we tried to find out why they violated their agreement. AX then levied a {$2100.00} " late fee '' after agreeing to restore some of the credits. They have refused to restore the late fee taken from our bank account without authorization or justification or pay the balance of other monies owed to us. We learned from an AX representative other non-profits were also unilaterally denied early payment credits. AX 's principal bank is  XXXX   XXXX , which is deeply involved in its own history of defrauding customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-20
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Each and every year, Experian refuses to give me a copy of my credit report.   The result is denied for no reason whatsoever, and seems like an attempt to get people to pay {$14.00}. It is impossible to resolve without mailing my social security card (! ) through the mail, which is so risky and inept it is difficult to imagine this is not deliberate.   Meanwhile, TransUnion seems to have no difficulty at all following the law.

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 2017-04-20
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I called the credit bureaus and spoke to the representative. I informed her of wrong alias and addresses on my credit report. This is not my legal name as reported. The rep stated, they had been removed and I will receive an updated copy of my credit. My updated report is still showing the incorrect alias and addresses.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
When i checked my XXXX  credit report i saw a debt owed from commonwealth financial original creditor XXXX XXXX XXXX XXXX Date opened XXXX XXXX On XX/XX/XXXX I called the creditor and it sounded like a scam, she said that i went to the doctor ( XXXX XXXX ) in XX/XX/XXXX but was not me, they had my info already, i acted like it was mine because how much of a scam it sounded, she went to see me up on a 2,3 and 4 month payment plan, then she went to a 25 % discount off of the XXXX $ to XXXX , after ending the call i looked more into it and read the comment for commonwealth financial and everybody seems to have the same story, just trying to get money, i never received any mail about the medical bill!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20
Company: Paypal Holdings, Inc
State: CO
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:
PayPal is sending debit cards linked to your account unsolicited. It's up to you to close the card, and they don't take you directly to a page that allows you to cancel, you have to log in and really dig in your account to find the button. I didn't think a company could send you a debit card that you didn't ask for. 

I received the email today, XX/XX/XXXX, cancelled the card on XX/XX/XXXX before I received it. I never activated it so I have not suffered any  damages. Just reporting because I found it improper, was not allowed to negotiate the terms of the debit card, never opted in, nothing like that. There was no warning that activating the debit card could influence my credit rating. 

I can upload the email announcing the " service ''.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 filed for chapter XXXX bankruptcy in XX/XX/XXXX and my auto loan was included in my bankruptcy. During this time XXXX XXXX is reporting late payments which I believe is a violation of the automatic stay and should not be reporting late payments and should be reported as current. My bankruptcy was discharged 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 non-monetary relief
Consumer complaint received 2017-04-17
Company: NATIONS RELIABLE LENDING LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
XXXX   XXXX   (    XXXX   ID  XXXX  ), called me with detailed information he somehow got from a credit check I had done in early  XXXX . I have turned down several of his calls and when I asked if he was associated with my lenders, he declined to answer. When I asked if he was trying to sell me something, he declined to answer. He is using high pressure tactics meant to confused people into giving their 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 2022-05-01
Company: Experian Information Solutions Inc.
State: MI
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 lost my wallet that contained my social security card and id years ago when i was about XXXX i am XXXX now, i have filed multiple identity theft reports. i have also challenged the information on my credit report i have not had any success getting these items that are fraudulent off my credit report.i am asking for assistance in enforcing the law, so that my credit report will reflect 100 % accuracy thank you.

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 2022-05-01
Company: EQUIFAX, INC.
State: MI
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 lost my wallet that contained my social security card and id years ago when i was about XXXX i am XXXX now, i have filed multiple identity theft reports. i have also challenged the information on my credit report i have not had any success getting these items that are fraudulent off my credit report.i am asking for assistance in enforcing the law, so that my credit report will reflect 100 % accuracy thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21
Company: COLLECTION BUREAU INCORPORATED
State: ID
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Company is attempting to collect a debt for lab that was never taken. Dates are inaccurate. My visit occurred in XXXX of XXXX and they are trying to say it happened in XXXX of XXXX. As soon as I arrived and got checked in they advised me to go to the ER which I did. I have documents proving so. They are falsifying dates to collect on lab work that never happened. Ive never seen any lab results from this company. Also, I dont appreciate my protected health information being shared with a collection agency. The reason for specific lab work is something thats extremely personal to me. In the moment I was in extreme discomfort and pain and had no clue as to what I was signing that may have indicated it was ok to release my protected healthcare info. It was never ok.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: Early Warning Services, LLC
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2021 I was a victim of online investment fraud through the social media platform XXXX. I was contacted by XXXX XXXX XXXX page of a high school classmate whom I assume their XXXX page was hacked into. They reached out to me about an investment opportunity with Cryptocurrency. The person claimed that by sending any crypto worth at least a minimum of 1k or more of bitcoin to a crypto wallet address, in 15hrs max you'll in turn receive $ in USD. The person explained this is achieved by a miner using the Bitcoin towards a higher hash rate in mining the Bitcoin by validating blockchains through a continuous script to unleash even more Bitcoin. The person had me send 3k worth of cash via a Zelle/XXXXXXXX transaction to two email addresses : XXXX and XXXX The person claimed that by the next morning, I should receive all the return money via XXXX and I should give them 15 % cut. The next morning, the person reached out and asked if I had received the money. When I confirmed I did not receive the money, the person went ahead and asked me to provide them my XXXX  email address and password for verification purposes and a picture of my license ID. This is when I realized this was a scam and contacted my bank and Zelle immediately. I attempted to report the person 's XXXX as well as the others whom he is using as witnesses but was unsuccessful as XXXX didn't do anything about it. When looking into my XXXX  page, I also realized my XXXX page had been logged into from Ohio.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: Experian Information Solutions Inc.
State: NY
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: Investigation took more than 30 days

Complaint:
I have sent several correspondence to the Credit reporting agencies and they have failed to respond to my request for an investigation. Also XXXX stated that they verified my information but have failed to respond to my request for a XXXX of XXXX letter.

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 2017-04-18
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
As of recent, I have been advised by Equifax that they have revoked my online access for disputes or access to my credit report. Unfortunately, I feel that this is retaliation from my previous disputes for Equifax not following the proper guidelines when it comes to handling disputes. I have been advised that my credit file is currently being handled by Consumer Affairs and they are the only ones who have access to my credit file. They have done unauthorized disputes and added unauthorized alerts to my credit file and I have been given a hard time when attempting to request them to remove the alert. They say that they have removed it but I have no proof yet. I also sent them documentation from a creditor  XXXX   XXXX   XXXX  to have the  XXXX  listings removed from my credit report and they have done another dispute that I did not ask to be done. Equifax alledges that they performed a re-investigation for the  XXXX  account  XXXX  that is still currently on my credit report. I sent them documentation from the company that the account was sold t o (   XXXX   XXXX   XXXX   )  as well  XXXX  advising that they sold the account. The account has been removed from all credit bureaus except Equifax. I feel that I am being treated unfairly and retaliated against since I made complaints against them. Each time I call I am given the run around and sometimes hung up on. I am told to ask for the department by name as they have no direct contact number. I have called during business hours and have not been able to get assistance. I have had representatives tell me there is no one else to speak with. I have been told things such as your file will be with consumer affairs indefinitely and that they ca n't provide any further information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: EQUIFAX, INC.
State: TN
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:
To Whom It May Concern, I am filing this complaint to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is unauthorized credit inquiries made by the companies reflecting on the documentation attached for your companies review. To my knowledge, I have not signed any documents authorizing these companies in question to view my credit report. The listed unauthorized credit inquiries was without my authorization, permission or consent and for no legitimate business purposes. Around the time these unauthorized credit inquiries was placed on my credit report I was incarcerated ( imprisonment ). As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in connection with these unauthorized credit inquiries. As part of your investigation, please send the names, business addresses, and phone numbers of those who made these unauthorized credit inquiries so I may contact them directly if I have to. In addition, I respectfully request a copy of any documentation authorizing these credit inquiries, and signed on my behalf, so that I may verify its validity. If you find that I was not the one who authorized these credit inquiries, I ask that the negative items be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiries removed. If you find that I am in error, then please send me proof of this. Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above. According to the provisions of 612 ( 15 USC & 1681j ), there should be no charge for this report. Please note that credit inquiries arent considered factual records and shouldnt be reported on a consumers credit report for up to 2 years if they are found unauthorized. Thank you

Company response to consumer: Closed with explanation