BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-25
Company: EQUIFAX, 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: Account status incorrect

Complaint:
XXXX has reported me being 30 days late 2 times in XXXX & XX/XX/2017. I was the victim of fraud. My card was lost and used by someone unknown to me. Prior to this my card balance was {$0.00}. I immediately reported the lost card to XXXX, I was told I was not responsible for these charges while under investigation. The fraud claim was resolved in my favor, yet XXXX reports me as 2 times late for charges that were not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: WELLS FARGO & COMPANY
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: Information belongs to someone else

Complaint:
My Personal Sworn Statement & Declaration : I declare that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18ll U.S.C 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions. I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained. I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. FOR SECURITY I HAVE ATTACHED MY IDENTIFICATION ON ANOTHER PAGE

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 2015-03-19
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
This item is past the Fair Credit Reporting Act statute of limitation. XXXX was closed and paid properly in XXXX. It is now XXXX XXXX XXXX. Can you please remove it from my credit reporting.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: American Coradius International LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX account is charging me {$250.00} for an amount I did not authorize. I was hacked and charged on my card and I reported all of it, then I closed my account because they kept charging. This is another amount I did not authorize. # XXXX reference # XXXX please help with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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

Company 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 2017-02-24
Company: Nelnet, Inc.
State: NE
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:
My first payment to Nelnet was XX/XX/2017. I called over three times to verify payment info because I was nervous given their reputation. I use my banks bill pay service for everything & in 20+ years have never had a payment issue. The payment was sent electronically when I was paid on the XX/XX/XXXX. I got an email from Nelnet on the XX/XX/XXXX my payment was missing. I called & was told by two different people they refused my payment, noted my account & sent it back! They wanted my bank acct # to take money out of and had no intrest in remedying the issue with the existing funds in " limbo ''. They already have my money. They said they noted my account about the payment coming in, sent me a letter & have sent the funds back however I have yet to receive anything. I am livid at the unprofessional business practices. 
They got the payment, knew what acct it was for & refused to apply the payment. They now want me to pay them again by giving them my account number which will give them access to very badly impact my financial life. I was supposed to refinance my house soon but if Nelnet is trashing my credit score playing with payments then my score is toast. 
I called the dept of education to file a complaint on the XX/XX/XXXX however they refused & told me i needed to consolidate my loans with a different company to solve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: GOLDMAN SACHS BANK USA
State: NH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
The apple card does not provide a bill or account information, making it nearly impossible to pay the bill if not done through an apple iphone. I called and requested a paper copy of the bill since I'm not able to access any information. The paper bill has not mailing address, and no information about my account, so I'm still not able to make a payment from my bank or set up automatic payments from my bank. 

Is this even legal? The only way to make payments for this card seems to be through an iphone device ( the wallet app ). I did not know this when signing up for the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: EQUIFAX, INC.
State: PA
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, XXXX XXXX XXXX XXXX. account no. XXXX, has violated my rights. 

15 U.S.C. 1681 section 602A states that I have the right to privacy.

15 U.S.C. 1681 section 604A ; section 2, states that a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
An Item was purchased via credit card on XXXX XXXX, 2022 ( order # XXXX ), the order was for size 1 and the " Company '' sent size 0. The " Company '' is XXXX XXXX XXXX ( email : : XXXX and phone # : : XXXX ). A request for the correct product was made via phone and email to the company ( documented emails ) but the company will only reimburse the cost if the item is returned via my shipping cost. ( is it not legal for the company to charge the customer for internal company mistakes ). 
Due to this unresolved dispute I contacted my credit card to dispute the charges. CapitalOne ( fax # XXXX and phone # XXXX ). they created a case # XXXX on XX/XX/XXXX. CapitalOne reached out to the supplier and asked if they sent the incorrect product and they said ( no ) the " Company '' Lied to the credit card in written stating they never received correspondence with me. I received a document from CapitalOne closing the case stating the goods were received in good condition. A phone call left me in tears from a rude customer service representative who would not reopen the case and refused to dispute the case any further. 
i have been forced to contact further resources for assistance. 

Attachment 1 - picture of size 0 product sent Attachment 2 - A ) Fax to CapitalOne regarding dispute XXXX-22 B ) Letter sent requesting reimbursement for mail fraud C ) Response from CapitalOne - rejecting the dispute D ) Response from XXXXXXXX XXXX XXXX XXXX/22- stating they received no correspondence from customer and they provided product as stated. 
E ) that diagram 3 - order conformation F ) Correspondence with XXXX XXXX XXXX XX/XX/XXXX, - XX/XX/XXXX G ) Return process requesting me to pay for return Attachment 3 - Order showing product size of ( 1 )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 submitted a letter to the TransUnion XX/XX/2022 to remove these suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, and I'm including it again. 

XXXX XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-31
Company: LEXISNEXIS
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:
Regarding the previous CASE # XXXX, the company 's response letter indicated that there was no record found in their database with my given information. 
The evidence below clearly justifies that there are 2 speeding tickets listed on my MVR which is absolutely vague. Here am struggling to find better insurance rates from the auto insurance companies and LexisNexis closed my previous case without any consent or resolution and provided an inappropriate reason. 

If the company does not have my MVR in their system, I would want LexisNexis to get that fixed on Auto Insurer 's ( XXXX ) end and provide them with accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-08
Company: JPMORGAN CHASE & CO.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
On Friday, XXXX XXXX, XXXX, I contacted XXXX XXXX XXXX via telephone, to question them about my debt account they purchased from Chase Bank Credit Card Division. I informed them, that said debt had no activity since XXXX, and asked why do they continue to contact me. I was informed that the last payment to Chase was XXXX XXXX. I informed XXXX, I have not paid anything on this account since XXXX, and that someone, including them, XXXX claimed I paid on XXXX XXXX. I then requested a 'Debt Verification Letter ' from XXXX XXXX and was informed, XXXX sent out a letter in XXXX. I told the XXXX Agent, I never received a letter, but, was told they will not send out another letter, due to, it was already generated in XXXX. Again, I requested the letter, and was told, " No. '' Additionally, since I have not paid on this credit card bill since XXXX, I am requesting XXXX cease reporting this to XXXX Agencies. 

Chase Bank USA card number : XXXX XXXX account number is same as chase, but, they also have another number, too : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 submitted a letter to the TransUnion XX/XX/2022 to remove these suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, and I'm including it again. 

Personal Information : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-31
Company: Experian Information Solutions Inc.
State: PA
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 submitted a letter to the Experian XX/XX/XXXX to remove these suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, and I'm including it again. 

Personal Information : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXXXXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX CARDS XXXX 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 2015-04-27
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Please disregard the Apartment Bill in this attachment which is page XXXX. My concern is these inquiries in which I had no part in giving authorization to pull my credit report. Please can you look into why Equifax could n't remove inquiries that I had no clue was going on with my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX ; XXXX  and Transunion should not be reporting each inquiry listed as a separate line item on my credit report. ( Please see page attached for reference. ) These multiple inquiries are well within the 45 plus day shopping window that is typically allowed to check different lenders and find the best loans. Each of these inquiries are of like kind. They are not separate, individual entities. These inquiries should not have negatively impacted my credit score. Please remove these inquiries from my report. This reporting of multiple inquiries is seriously harming my credit score and these line items need to be removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on my credit report. I have contacted the bureaus to fix this however, I have not been successful.

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 2016-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My credit report claims I opened a " Authorized Revolving Account on a FLEXIBLE SPENDING CREDIT CARD '' from XXXX XXXX XX/XX/XXXX and that {$25000.00} was spent on it between XX/XX/XXXX-XX/XX/XXXX which I had never put in for nor even heard of until I seen it on my report today. I do n't have a clue as to who opened this account nor where it got sent too, used at, etc. and would like a full report on this ASAP

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 2022-10-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I paid off my Capital One auto loan for my XXXX XXXX XXXX XXXX in XXXX of XXXX and never received the title. 

Capital One advised me it could take up to 21 days to receive the title. I gave them WELL over that amount of time to release the lien and provide me with the title. 

I reached out to their customer service in XXXX of XXXX, and was told that Capital One sent electronic notice to the VA DMV to release the lien, but the VA DMV replied saying that the title number did not exist. Apparently no one at Capital One bothered to follow up on that reply, or even notify me about it. I then went back and forth with their off-shore contracted customer service well into XXXX of XXXX, receiving no resolution or information. 

Capital One then eventually sent me a notarized PAPER lien release letter out of the state of Texas. The major issue with that? Capital One participates in the ELECTRONIC Lien program, requiring them to electronically correspond lien information with the DMV, which means that the paper lien release letter they mailed to me is completely useless. The VA DMV also rejected the lien release letter when I tried to submit it to obtain a title. 

According to Virginia Code 46.2-643 : It shall constitute a Class 3 misdemeanor for a secured party who holds a certificate of title as provided in this title to refuse or fail to mark satisfied and surrender it to the person legally entitled thereto within ten days after his security interest is satisfied. 

In conclusion, not only is Capital One failing to abide to the process of a state-mandated program that they are required to participate in, they are also blatantly in violation of Virginia Code .

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
TransUnion had a glitch in their system that violated the rights of their consumers under section 6.11. As a result I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting ALL inquiries be removed XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation