BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-25
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. 

inquiries XXXX XX/XX/2021 XXXX XXXX XX/XX/2021

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 2021-12-25
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, Please investigate these matters and remove the disputed items as soon as possible. 
Inquiries : XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/2021 XXXX XXXX, XXXX XXXX Date of inquiry XX/XX/2021 XXXX XXXX Date of inquiry XX/XX/2021 XXXX XXXX, XXXX XXXX Date of inquiry XX/XX/2021

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 2020-04-16
Company: ONLINE Information Services, 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:
To Whom It May Concern, The reason for my dispute is ONLINE IN SV # XXXX and XXXX XXXX # XXXXwas required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation can be held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where they are in compliance with OHIO LAW. I also have reported this account to the FTC, and XXXX Police Dept. I need this collection account to be removed from my credit report since they have not even tried to contact me regarding this Fraudulent collection account. Please have them remove these collection accounts immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-27
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Information has been requested several times from Experian and they are only sending delay tactic and not actually investigating the request. Information was requested XXXX times already. Mailed request the following dates : XXXX/XXXX/2015, XXXX/XXXX/2015 and again XXXX/XXXX/2015. 

Proper documentation was submitted as per their guidelines.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Notice, it is a fact, affiant is aware, the plastic card device issued from the creditor Capital One gives way to I, the affiants open - ended consumer credit plan in accordance with 15 U.S.Code 1602 ( j ) which contemplates repeated transactions, which prescribes the terms of such transactions, and which provides for a finance charge which may be computed from time to time. It is a fact, affiant is aware this reported information is only information based solely on transactions and experiences between I, the consumer, and this accounts ending in XXXX and XXXX. This is a violation of 15 U.S.Code 1681a ( 2 ) ( A ) ( i ). It is a fact, affiant is aware, negligence is neglecting requirements that should be known. I, the affiant and consumer, made Capital One aware of, prior and continued failures of reasonable procedures as see The affiant has reason to believe and do so believes due to Capital One business practices, Capital Ones actions are liable under 15 U.S. Code 1681o for the actual damages caused to me, the consumer in fact. How do I have a balance if the account contains a finance charge? How am I late regarding payment on the accounts? Both accounts were paid in full upon the opening of the accounts when Capital One used my credit card ( social security card ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-06
Company: Navient Solutions, LLC.
State: PA
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Navient is calling me up to 6 times a day, starting at XXXX am. I am a cosigner for my grandson 's student loans. The debt collectors are very rude, will not let me talk without interrupting me. I have asked them to not call me as frequently as they are but they tell me they can call me up to 8 times a day and it is legal. I am XXXX years old and just had a XXXX XXXX and am XXXX XXXX. I have told them this and it has not made a difference. Thank you for your help with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, Please investigate these matters and remove the disputed items as soon as possible. 
Inquiries : US SM BUS ADMIN ODA Date of inquiry XX/XX/2021 XXXX XXXX, XXXX XXXX Date of inquiry XX/XX/2021 XXXX XXXX Date of inquiry XX/XX/2021 XXXX XXXX, XXXX XXXX Date of inquiry XX/XX/2021

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 2016-05-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Settlement process and costs

Complaint:
My name is XXXX XXXX I am a XXXX veteran. I have filed several complaints regarding Bank of America and I am filing another one I have been working with Bank of America for several years now. 
Now we are at the short sale of XXXX XXXX XXXX, MI XXXXAll the things I feared about working with a big banking company was just true. Initially I got a lawyer to handle this for me. He got indicted on felony charges and dealing with Bank of America has been XXXX ever since. My hair has fallen out, it has been aggravating my XXXX and putting them on over load. 
Anyway. I have honestly tried my best to rectify my issues. I have complied, complied, complied, and still I get to these stop lights that turn red and never turn green again until I call you guys to get on their butts. 
This time, we are all the way to the end of the Short sale process. Now I do n't have a Short sale represented. I have a realtor and a buyer for the house. The appraisal is complete. Now the realtor ca n't find out what 's going on with the short sale. It appears the selling of the short sale came to a complete halt. Contact person has disappeared. No one knows who is handling my short sale. It 's just crazy. I am to be closing on the deal any day and I do n't know where it is who is in charge of my closing. I was instructed that would short sale representative to guild us through the process. Initially we had one. But she would n't close the deal because she accused us of having XXXX mortgages on the house and I did not. I had to write you guys to get that misunderstanding rectified.. I nor my realtor has yet to receive any correspondence. Is hurtful. Please get me assigned to someone to finish this process. Hopefully they have nt thrown it into the wrong pile and put it foreclosure or something. They are full of surprises. I thank God I have you to help me through this absolutely this horrific process.. I saw with my own eyes, how my friends tried to work with them and they still lost their houses. They are clever and ruthless. I am just hanging own by a thread because of you. Hopefully I am not too late with writing this letter. 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 2017-01-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
i am a bank of america costomer. this bank keep transfer my money from savinngs to checking out of my agreement .first time the transfer XXXX, and the say is overdraff was the one transfer the money .and letter the XXXX desapear from my account few monmths letter the same thing happem XXXX .l trast times is happem .i when back tack out all my money from my account because if i leffet any mony on my account with desapear, also is a lot not aoutorize transation on my checking account .the total lost 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 2016-10-01
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I enrolled in college XX/XX/XXXX & had to take out a loan. I took a break from school due to personal financial reasons. I was contacted by my loan officer & told her what was going on. I told her that I would be going back to school in the following XXXX. She said okay and proceeded to defer my student loan. I started back in school XX/XX/XXXX. Recently I checked my credit & XXXX of the student loans have been added onto my credit due to delinquency even though I have been back in school for months now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-26
Company: Experian Information Solutions Inc.
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:
XXXX have been trying for over two years to get XXXX XXXX XXXX off of my credit report. 
XXXX. Experian continue to do inquiries on my credit report and when with a perfect payment history will not update my credit scores. 
XXXX. XXXX XXXX XXXX XXXX shop approved me a card but refuse to unlock the card and the reasons are that when they call me phone it doesn't ring. I have been trying to work with them for months now. And I have asked is there any other way for them to verify my account since the problems are happening on there end. My phone rings all day long and my three way call works very well. I need this matter corrected. 
XXXX. I have contacted all three bureaus about some inquiries on my credit report which I did not do. I put a credit freeze on them but they still haven't removed them off of my report. These are the following agencies I didn't apply for. 
XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX An assistance you are able to give will greatly be appreciated. Thank in advance

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 2020-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
605b complaint was not answered in a timely or proper manner in accordance to FCRA. I request immediate compliance or reasons as to why my complaint was not answered lawfully.

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 2020-04-16
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:
There were Fraudlent accounts on my credit report that were not removed by equifax and by law they were supposed to remove the fraud account.If its not removed in 9 days I will be seeking litigation. XXXX XXXX XXXX  XXXX and sprint XXXX Ftc complaint number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 recently reviewed my credit report and found a late payment. 

Creditor : XXXX XXXX Account # XXXX I was never 30 days late int he month of XX/XX/2017. 

Im not sure how this happened, I believed that I made my payment one time and promptly each month my statements were received. My only thought is that must have been billing error with my statement.

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 2020-04-16
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts.

COLLECTION AGENCY : XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I had an account closed due to a check that was written to me and they did n't have the funds. I paid the fees and was told I would be taken off of the XXXX. 3 years later they finally got around to getting that done, however, they did not tell me that they would keep me on the XXXX, which is owned by their institution. So I am still dealing with the same headache of not being able to open a checking account which is hindering my life and costing me a lot of money. I have tried appealing again to their fraud department with no luck. I do n't want an account with them, I just want to be able to move on with my life and they are preventing that.

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 2016-06-13
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
i have payment arrangements set up with Navient to withdraw at the end of each month. I receive an email stating that my payments are due on the XXXX. This is not the first time i have dealt with them and end up on the phone almost every month trying to get things straighten out with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Capital One XXXX Credit Card reported to XXXX that my credit was over the credit limit of {$1300.00}, by {$46.00}, without first notifying me that I needed to make a payment to bring down the balance to XXXX again, thus causing my credit score to drop XXXX points on XX/XX/2021. 

The problem is that I was never notified to make a payment, before Capital One reported to XXXX and the other two credit bureaus, I was over my credit limit by a mere {$46.00}, before causing extremely detrimental lowering of my credit score by XXXX points with XXXX, which was XXXX, then dropping my score to XXXX. My score has dropped again as of XX/XX/XXXX, again by Capital One, down to XXXX, this is extremely hurtful to me as I was in a car accident in XXXX, in which my car was totaled. With such an extremely low score now with all three credit bureaus, XXXX being just an example, I now can not finance a new car. 

I am an older divorced, single mother working full time with low wages in Kentucky, trying to provide for my XXXX year old son, and am in need of a safe car to do so. 

With my score dropping an entire XXXX points, due to my not having the opportunity to make a payment of {$46.00} ahead of time, I find that Capital One XXXX is a Predatory Lender. Capital One is responsible for dropping my credit score from XXXX, to XXXX with 8 days! 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation