BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-28
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX financed through XXXX was traded through XXXX XX/XX/XXXX. Pay-off payment was sent late. Kept calling XXXX multiple times as to why. Almost two months later in XXXX, it was discovered the check was sent to a bank I was unaware of. However, every time XXXX called, I let them know the car was traded in ; they noted my account. I was held accountable for being late ; reported on my credit as being late. Account was closed and paid off. Disputed through Experian, nothing came of it except for " consumer disagrees '' statement. Contacted XXXX multiple times, stated XXXX needed to call to be responsible for delinquency. Nothing has been done after various forms of communication. XXXX was not helpful. XXXX has not been productive in correcting their mistake.

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 2015-08-07
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I ended up filing some disputes because there was incorrect and incomplete information on my credit report. So I prepared a nice letter and sent it with a copy of my driver 's license, proof of my social security number and proof of my mailing address so that Experian would be able to verify my identity. 
It has been at least 2 months since I mailed my letter and I have n't heard back. When I try calling their XXXX number they want a report number before I speak with an agent and since I do n't have one I ca n't speak to anyone. 
I thought that the credit companies had to respond back to me within 30 days otherwise they are supposed to remove things from my credit report?! 
Well it 's been way more than 30 days and all of the stuff I disputed is still there. I know I can go online and buy a credit monitoring service and try to dispute things online but I thought that Experian is supposed to help me for free! 
I 'm at the point where I 'm done wasting time and need to get this fixed immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I received a demand letter from XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX on XX/XX/2022. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  are debt collectors demanding to collect a debt on behalf of Capital One Bank ( XXXX ) NA. I have not received any goods or services from XXXX XXXX XXXX XXXX Attorneys at Law, and I do not know how they received my private personal information. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX do not have a permissible purpose to contact me for any reason in regards to anything. There are no contracts in place to support we have agreed to honorably conduct business and I have not agreed to pay/tender anything to XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I am not a party to any agreements that XXXX XXXX XXXX XXXX XXXX XXXX XXXX may or may not have with Capital One Bank ( XXXX ) NA or Magistrate Court of XXXX XXXX. I have not agreed to pay/tender anything to XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital One Bank XXXX XXXX ) XXXX or Magistrate Court of XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Capital One Bank ( XXXX ) XXXX reply outside of the CFPBs portal, must be delivered via the postal service. If the envelope is not properly stamped by the postmaster ; it will be returned to sender due to mail code violations. Please abide by all mail codes. All calls are recorded for my safety. 
Please be advised that neither XXXX XXXX XXXX XXXX XXXX XXXX XXXX or Capital One Bank ( XXXX ) NA are Holders In Due Course. Please remove this unverified account from my credit report and Cease and Desist.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
An account was opened via online services with Bank of America using my maiden name. My credit has been frozen for months, additionally, they clearly never asked for any kind of proof of identification, had they done so they would know that the name and address listed were incorrect. I find it totally unacceptable that they would allow an account to be opened without any verification of the persons identity. 
I then had to spend almost 2 hours on the phone waiting to speak with the appropriate party to get this resolved. I was transferred 4 times to different departments and was never fully reassured that I would get any kind of confirmation stating the account in question was closed.

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 2016-01-31
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I was not certain what category to choose, as the accounts on my credit are XXXX different ones. I have a late payments on my report that are unverified and the bureaus have not conducted a proper investigation. If they had, these late payments would have come off as I was never late on these accounts. I am not receiving proper correspondence from the bureaus and at no time have I received proof of late payments reporting on my credit file. My right to demand this is pursuant to section XXXX of the FCRA as well as XXXX where they must legally verify with proof of immediately remove. I continue to receive documentation stating that I must go straight to the creditor because this has been " verified '', when in fact, the bureaus have the responsibility of doing this and can not put the burden on me. See XXXX XXXX TRANSUNION. If I have to, I will sue them, but if they did their job, they would see that this is inaccurate and must be removed. According to Congress, the bureaus MUST verify that the information on my report is accurate, and must go beyond the original source of information once I notify them that this is inaccurate. They have not done so, and I can prove that I have notified them multiple times.

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 2022-03-17
Company: Experian Information Solutions Inc.
State: DE
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:
In 2018 a collection agency appeared on my credit report as XXXX XXXX XXXX who reported a debt as XXXX. At that time I contacted the company via certified mail requesting validation of debt because this debt does not belong to my person. They failed to do so and ultimately removed the collection account from all main bureaus which included Experian, XXXX and XXXX. Unbeknownst to me this was still listed under Rent bureau because they proper procedures were not followed on XXXX XXXX behalf to communicate this account was removed. I am uploading the cfpb complaint where XXXX XXXX  XXXX requested for this account to be removed from my credit report. This account does not belong to my person and even list an invalid name. In order to retain a lease with any agency valid identification must be provided or at least I would think so. Whoever opened this account did not even have my correct name. This account is a violation of my rights as a consumer because this account is fraud and does not belong to 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 2016-04-20
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I disputed a state tax lien from XXXX County Superior Court with identification number XXXX and I received notification from Experian that stated the account is reporting accurately. I disagree because the lien was vacated and according to information in my credit file it shows the lien has been paid and satisfied. I have tried to dispute this and keep receiving a message that says I am unable to dispute because it was previously updated from a dispute that I filed in 2012. There is no record of this lien on file with XXXX County Superior Court.

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 2015-08-10
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I 've worked hard for decades to maintain an outstanding credit rating that 's ranged right around XXXX. I take my credit report extremely seriously and always consider the impact on my score when making decisions that may have an adverse impact to my credit score, and ultimately my financial well-being. 

In XXXX of 2015 I obtained new employment which involved selling my home and moving my family. This move incurred over $ XXXX in moving expenses, all of which were reimbursed by my new employer once we were able to provide receipts evidencing the expenses incurred. In other words, the funds for my travel and relocation expenses initially came out of my savings and then were reimbursed by my new employer after the move. 

Given the safety, security and support that XXXX XXXX offers, my wife and I used our XXXX card to fund the upfront travel and relocation costs. Unfortunately, we did not realize what a detrimental impact that doing so would have on my credit scores. My score which was XXXX immediately dropped to XXXX ( XXXX point drop and below the XXXX A-Rating threshold for obtaining the best mortgage rates ). The drastic drop, I 'm told, is due to the fact that XXXX does not report a credit limit but rather reports the lifetime max that has been borrowed as the limit. In this particular case, $ XXXX was my lifetime max and thus it appears I 've maxed out my card. For this reason, my credit score has plummeted and now effectively puts me in a position where I face paying XXXX of dollars more per year on a mortgage because I no longer qualify for the best mortgage rates.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: Grant & Weber
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2020, I contacted Grant & Weber, a collection agency, regarding a debt owed to XXXX XXXX XXXX XXXX for a personal loan. I negotiated a settlement with Grant Weber and paid the amount immediately. Grant Weber sent a settlement paid in full letter to confirm the debt was paid. They updated my credit report with inaccurate information 1 ) That my payment made was {$240.00}, I paid over {$500.00}. 2 ) That I have a remaining balance.

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 2022-07-21
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act convergent accounts has violated my rights. 

Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXX XXXX  XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX  15 U.S.C 1681 Section 602A 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 account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02
Company: CITIZENS FINANCIAL GROUP, INC.
State: DE
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
We opened a HELOC account at Citizens Bank in XXXX. At the time, we opened a checking account as well to avoid having fees on the HELOC account ( Citizens had a deal ). Our checking account had minimal money ( around {$1100.00} ) that we only used to pay the HELOC loan. In XXXX, we finished paying our loan and over time forgot about our checking account. Citizens bank began charging {$9.00} per month once we did not meet the XXXX transaction minimum in the account. We had originally signed up for paperless statements, but we were not told that we needed to also sign up for alerts to actually be told when the paperless statement was available. We have not used this account now for 26 months ( no atm withdrawals, no checks used or ordered, ... ) In that entire time, we have received no communication from Citizen 's Bank about our account ( since we did not have the Alerts feature turned on ). For 26 months, Citizens Bank has collected a {$9.00} fee for a total of {$260.00} of our {$1100.00} balance ( 23 % ). Again, they never marketed to us about the alerts, we never received any information about the account ( we had to know to go online and check ). We recently found this out as we were looking to possibly use our HELOC account again for a home project. When we called to see if our line was still active, we were also informed about our checking account. While I understand that these fees were disclosed when we first opened our account, the fact that we received no communication, were not told about alerts, and were basically ignored while our account continued to just be a source of funds for Citizens is appalling. We used no features of the account, Citizens was able to lend our money, and yet they charged us {$260.00} - if we finally had not called, they would have taken the entire balance over time. In my mind, these practices are unfair and deceptive. There is a full lack of responsibility to do what is right for the customer - ie marketing a different product that is more in line with the needs of the customer or viewing inactive accounts for possible communication or upgrade. I contacted Citizens after learning these facts and they agreed to waive {$40.00} ( XXXX late fees ). Again this is {$40.00} out of {$260.00} of fees on an inactive account. I would appreciate any assistance in reviewing their policies on inordinate fees, communication, and account review policies.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-23
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Experian reports a balance owed and the account in open status for the XXXX XXXX XXXX XXXX XXXX XXXX ending in XXXX. This XXXX line, was discharged per the foreclosure events which occurred in 2011. Oregon law as statutes in House Bills 3656 and 3004 are clear that where the XXXX and XXXX loans were issued at the same time and both are held by the same beneficiary ( the actual lender of money ) at the time that the XXXX loan is foreclosed on, the beneficiary can not seek a deficiency on either loan. Therefore, it is incorrectly reporting a balance due. Accordingly, XXXX were issued ( and are attached to this notice ). Finally, XXXX and XXXX report the balance correctly at {$0.00} -- and I 'm asking Experian to do the same.

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 2022-03-17
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like XXXX being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''

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 2017-10-15
Company: Incomm Holdings Inc.
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I was given a XXXX XXXX XXXX card as a {$50.00} gift card, I never experienced this type of card before. And tucked it into my drawer for when I really needed it. 

The expiration date is XXXX and on the white background above the barcode states clearly {$2.00} activation fee. I went to use it and found out it had to be registered. After submitting all information including an SSN, setting up an account, the website did not allow access to the account information. 

I called and found out that the balance was eaten up due to dormancy fees. 
They said its clearly written on the packaging. I asked where. 
And was told to look at 4 boxes, they were black background with white and blue print. They read : monthly fee- none, atm withdrawal fee {$1.00}, transaction fee- XXXX, reload fee {$3.00}. None of which was Important since I was using as a gift card. I said it doesnt say anything about dormancy fees. 
XXXX the supervisor told me it was below the boxes. I said in font size 2? Yes. She said. It is printed on dark blue background in black ink and too small for me to read even with reading glasses. 

She said its not our fault you cant read it, its written there and the money is gone. 

I see from your website there is a difference between gift cards and Reloadable debit cards. I never used any such thing, I have my own credit cards. I believe these cards are just legal means to rob people by their use of fees. The time of inactivity should begin when you activate the card not when the person purchases it. They offered no solace, no restoration of my {$50.00} gift and said thats the way it is. 

They need to CLEARLY show there are dormancy fees on a white background with black ink that is in a font people can read. Arent there ADA requirements for information that is  detrimental to the individual? 

Banks are charging ludicrous fees every time you turn around and this card just highlights the abuse to people with no credit who need to use this type of vehicle. The bank sucks these poor peoples money through every legal fee in the book. For me it was the loss of a {$50.00} gift card. 

The bank needs to be accountable, make their policies clear and readable. What is not readable it is false or deceptive advertising.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-28
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: Personal information incorrect

Complaint:
Once again they have incorrect information [ report XXXX ] even though we submitted through your agency. All you did was take their reply and close the file. How many times do we need to repeat the process until the report is correct? This is causing us severe financial impact. Attempts to correct on line failed since they provided incorrect validation information. Attempts to call by phone failed as usual- 1- My name XXXX XXXX it is NOT XXXX XXXX XXXX XXXX XXXX. 2- XXXX XXXX XXXX is not ours. and not a savings plan. It was a retail purchase paid to XXXX balance months ago! Basically all debts paid down and still a miserable score and incorrect reporting! Same issue with numerous inquiries, missing Security hold but they have a " State Legislation '' hold on the account- remarkable. XXXX XXXX  XXXX XXXX mortgage since XXXX  2017

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-27
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I initiated automatic payments on my  American Express  card and was making the automatic payments every month. In   XX/XX/XXXX , I cha nged banks and went online to update my automatic payment information for my  Amex  card. I received an email confirming my automatic payments but when the due date came and went, my automatic payment did not come out. I received an email from Amex that they did not receive my payment so I logged on the website and it showed I was not enrolled in automatic payments anymore. I immediately paid it manually and had to re-enroll in automatic payments. I was charged a late fee and interest on the balance  (  the card was still under a 0 % interest promo until   XXXX   2017   ). I contacted Amex and was told it takes a month before the new bank would be drafted for the automatic payment so I should have made my payment manually. The confirmation email I received did not communicate that. The customer service rep waived the {$27.00} late fee after I asked and she reviewed my account. However, my card is no longer under the promo interest-free period because my payment was late even though it was not my fault. Amex should be required to notify their customers in the confirmation email they send out that it will take a month before the new bank will be drafted and to make your next payment manually. It appears they purposely do not inform their customers of this so they can make more profit by charging fees and interest.

Company response to consumer: Closed with monetary relief