BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I served on the company a demand for validation of the debt they are reporting that I owe them ; company failed or refused to validate the debt and/or failed to investigate and the company continues to falsely/fraudulently report to the credit bureaus negative comments and/or remarks that injure me and drastically affect my credit score even after failing to validate the debt pursuant to law ( see demand for debt validation letter ( s ) included ), whereas the company is in default and their false reporting must be deleted from my credit report ; this company also violated the law when they canceled the associated credit card ( s ) without lawful authority and absent my consent. This/these lines of credit must be restored forthwith.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-13
Company: CITIBANK, N.A.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
After filing a complaint ( COMPLAINT ID XXXX ), Citi deposited {$500.00}, short of {$200.00} bonus. I spoke with the manager today, XX/XX/XXXX at XXXX. She said the reason for the shortage is because the {$25000.00} deposit to open the account must be from other financial institution. I made her aware that all deposits were made from other banks. She said she was with a customer and that she will call me back after she reviews the file. She called back at XXXX. She said her hands are tied because I filed a complaint with CFPB. She said " they will contact you ''. I asked, " who are they? ". She said, " another department handling your case ''. I asked, " do they know about the shortage? '' She said, " no, this case is closed ''. She continued to argue that the part of the deposit came from Citi Bank funds. I explained that $ XXXX came from XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, another $ XXXX came from XXXX XXXX XXXX XXXX XXXX the next day on XX/XX/XXXX ( these files I attached is from Citi Bank transaction record ), $ XXXX from XXXX XXXX another $ XXXX from XXXX XXXX a total of $ XXXX. Attached you will find the sources of these deposits. XXXX did not do thorough investigation. She doesn't even recognize her own bank 's transaction records.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-12
Company: AmerAssist A/R Solutions, Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Ameriassist AR Solutions is now reporting my settlement as a Public Record to XXXX. It is my understanding that only bankruptcies are allowed to be reported as a Public Record. ( Ameriassist is doing in this addition to reporting my settlement to XXXX. ) Again, this had caused my credit score to plummet. Sadly, I had believe that by making things right with the creditor, my credit score would increase.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
USAA Closed a credit card account without sending any notice they were closing that credit card ( account number ending in XXXX ) nor did they send any notice for reasons they used for the card closure. The claim they sent a letter XX/XX/2020 informing me of this. Letter was never received. The letter they claim to have sent, and have since furnished, indicates closure of credit card with an account number ( credit card account ending in XXXX ) which does not exist. They are reporting a closed account to the credit reporting agencies, this has a negative effect on my credit score which has resulting in financial loss to me. I have uploaded the original letter they allege they sent, with the account number XXXX as well as a credit card statement from the same time period showing the credit card account number ending in XXXX. I have attached the letter USAA furnished, a XX/XX/2020 letter with a credit limit review as well as a statement showing my USAA credit card account number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/XXXX I received for at least the 12th time an offer from Capital One to apply to their Platinum Card. I decided to try again for this card as the last time they stated they could not approve me due to " not being able to verify my identify via phone ''. The same happened again, where i received a denial email and the call rep i spoke to said " they couldn't reach me by phone and to file a dispute with the credit bureau ''. My phone number is correct XXXX on ALL THREE Credit Bureaus, i actually verified this 20 minutes before i decided to apply. In addition, I hold a CAPITAL ONE Checking and SAVINGS account to which Capital One has my personal information. In XX/XX/XXXX, I also obtained a mortgage as well as another credit card with their competitor in XXXX XXXX and a car loan in XX/XX/XXXX. Capital One continuously DENIES be based on the only factor of " could not verify identify/reach by phone ''. I have disputed this several times, considering the information they have is completely outdated and their system is never updated. If the FEDERAL GOVERNMENT and LENDER can verify my information for a MORTGAGE and have the correct phone number, as well as other lenders, than this is a capital one issue in their systems. I am tired of being told that I am the one who has the issue and to contact the credit bureaus. I have already contacted them this first time this has happened. I applied for Capital One Card THREE Times once on or about XX/XX/XXXX, XX/XX/XXXX and then most recently on XX/XX/XXXX, as well as capital one auto finance in XX/XX/XXXX all with the same denial Yet their pre qualify mailer they have already soft pulled my credit and have my information as well as from my checking account info with them. As of this complaint I now have THREE hard inquiries on my credit bureau due to this and THREE Adverse Actions in the period of a year. I have incurred the same issue with Capital One denying me for the same reason, when the issue is completely on their end and my credit DOES qualify. This is deceitful business practice!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I am submitting this CFPB complaint to request the removal of accounts from my credit file as an authorized user. The reported information associated with these accounts are no longer accurate or relevant. Upon reviewing my credit report, I have discovered that the aforementioned accounts continues to be reported, despite the outdated nature of the information. As an authorized user, it is crucial for me to ensure that my credit file accurately represents my current creditworthiness. Therefore, I kindly request your assistance in thoroughly investigating these matter and promptly removing the outdated accounts information from my credit file : XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00}. I have taken the time to review my credit report and gather supporting evidence that clearly demonstrates the inaccurate and irrelevant nature of the reported information. I have attached these supporting documents for your reference and evaluation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-28
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
3.5 years ago my wallet was stolen and XXXX credit cards were used illegally. They are ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX. The XXXX other credit bureaus have expunged those XXXX accounts. Only Experian continues to carry those XXXX bad charges. Causing a XXXX point disparity between those XXXX credit bureaus. Id like Experian to also remove those delinquent accounts. It is adversely affecting my FICO score and causing me great XXXX XXXX despair.

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 2022-12-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated : 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
Consumer complaint received 2023-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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 ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XX/XX/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 2023-02-10
Company: GOLDMAN SACHS BANK USA
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
l, the consumer and natural person, was denied credit by GOLDMAN SACHS BANK USA when I applied for an APPLECARD on XX/XX/2023. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 88 Stat. 1522 [ 15 usc 1691c ] and is pursuant to civil liability under 91 Stat. 881 [ 15 usc 1692k ]. I was discriminated against by GOLDMAN SACHS BANK USA due to the response I received. GOLDMAN SACHS BANK USA is in violation of 84 Stat. 1126 [ 15 usc 1642 ], 84 Stat. 1133 [ 15 usc1681m ] and 12 cfr 1002 because l, the consumer, made an application in good faith, but credit was not issued. Furthermore, because my social security number ( credit card ) was used, and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of GOLDMAN SACHS BANK USA and is in violation of 84 Stat. 1126 [ 15 usc 1602 ( p ) ].

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: NEW YORK COMMUNITY BANCORP INC
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Flagstar has not approved me for forebearance despite my difficulties to pay my mortgage being directly due me being sick for months with XXXX. Im not sure what else to do and am terrified of losing my house. 

I will be able to repay the missed payments over time and just need some help getting back on my feet. 

Flagstar has not been willing to work with me in terms of refinancing or getting a loan modification in place where the past due payments could be moved to the end of the mortgage or the mortgage could be extended. 

Flagstar has also ruined my credit. I thought anything related to Covid was covered under the CARES act and Flagstar has not followed which has had a direct negative effect. Im a single mom of XXXX young children and a XXXX survivor. I work full time and have always paid my bills on time. Covid hit and I landed in the hospital with it unable to work and have had a very difficult time with Flagstar.

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 2023-01-25
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am grateful for the removal of some of the fraudulent accounts and information being reported on my XXXX XXXX, however, there are still a lot of Fraudulent information being reported on my XXXX XXXX wihout the proper verification of the disputed items. I am submitting this CFPB Complaint to request to you once more to remove the disputed accounts and information off of my XXXX XXXX as soon as possible. I am a victim of identity theft, my identity was stolen and used to open these accounts wihout my knowledge nor consent. I see a lot of videos on the internet that identity theft have become rampant. I have read that under the Fiar Credit Reporting Act section 605b, you are required by Federal law to remove any accounts and information that do not elong to the consumer. I am requesting of you to please remove the following accounts and information off of my Credit File : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$4800.00} XXXX  XXXX Balance : {$9400.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. Please send me any documents you may ifnd along the way of your investigation claiming that the disputed items belong to me and are verified. If you can not provide nor find any documents ti support the claims that the disputed items belong to me, immediate removal of the disputed items will be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
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: Information belongs to someone else

Complaint:
I am grateful for the removal of some of the fraudulent accounts and information being reported on my XXXX XXXX, however, there are still a lot of Fraudulent information being reported on my XXXX XXXX wihout the proper verification of the disputed items. I am submitting this CFPB Complaint to request to you once more to remove the disputed accounts and information off of my XXXX XXXX as soon as possible. I am a victim of identity theft, my identity was stolen and used to open these accounts wihout my knowledge nor consent. I see a lot of videos on the internet that identity theft have become rampant. I have read that under the Fiar Credit Reporting Act section 605b, you are required by Federal law to remove any accounts and information that do not elong to the consumer. I am requesting of you to please remove the following accounts and information off of my Credit File : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$4800.00} XXXX  XXXX Balance : {$9400.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. Please send me any documents you may ifnd along the way of your investigation claiming that the disputed items belong to me and are verified. If you can not provide nor find any documents ti support the claims that the disputed items belong to me, immediate removal of the disputed items will be greatly appreciated.

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 2022-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 3 Credit Bureaus last XX/XX/2022, to update this suspicious information. I think you have not validated these accounts 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 #, and I'm including it again. 
XXXX XXXX XXXX Balance : {$480.00} XXXX  XXXX XXXX Balance : {$740.00} XXXX XXXX Balance : {$20000.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX  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 2022-12-14
Company: EQUIFAX, INC.
State: AL
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 3 Credit Bureaus last XX/XX/2022, to update this suspicious information. I think you have not validated these accounts 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 #, and I'm including it again. 
XXXX XXXX XXXX Balance : {$480.00} XXXX XXXX XXXX Balance : {$740.00} XXXX XXXX Balance : {$20000.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
I paid my Capital One credit card in full on the the XXXX statement and they charged me an interest payment. At this rate it will never go away. I paid it because they would not let me put the higher balance on my lower card or lower my interest rate.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-25
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is in response to complaint XXXX. Experian said that some inquiries that I disputed were not reporting which they are. I do believe that Experian is stalling, and an investigation was not conducted. They removed some inquiries but there are still inquiries from the letter that I sent on my credit report. Please refer to the letter attached and remove the inquiries that are still reporting on my credit report. At this point I will be seeking {$1000.00} per violation if this situation is not resolved. Since Experian is claiming that some inquiries are not reporting, I will list each inquiry and attach a current copy of my credit report. I also reported this to the FTC being that I was involved in a data breach.

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 2023-06-30
Company: EQUIFAX, INC.
State: NY
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:
Equifax is reporting unauthorized inquiries i did not consent to or authorize. I filed a dispute with Equifax to no avail. I will attach a copy of my filed identity theft report to this complaint.

Company response to consumer: Closed with explanation