BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-08
Company: EQUIFAX, INC.
State: SC
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:
XXXX, EQUIFAX, AND XXXX ALL RESPONDED TO MY REQUEST TO VALIDATE AND VERIFY CERTAIN ACCOUNTS ON MY CREDIT REPORT TO MAKE SURE THEY WERE 100 PERCENT ACCURATE. XXXX RESPONDED ON XX/XX/2022, EQUIFAX RESPONDED ON XX/XX/2022 AND XXXX RESPONDED ON XX/XX/2022. ALL 3 CREDIT BUREAUS STATED THAT THE ACCOUNTS WERE INVESTIGATED, VERIFIED, AND 100 PERCENT ACCURATE. 

BUT HOW IS THIS POSSIBLE IF THE ACCOUNTS HAVE DIFFERENT OPEN DATES WHICH ARE ALL INCORRECT, THE DATE LAST ACTIVE IS INCORRECT AND THE DATE LAST REPORTED IS INCORRECT? THIS IS GROUNDS FOR REMOVAL BECAUSE IT IS PROOF THAT AN INVESTIGATION WAS NOT CONDUCTED PROPERLY AND THE INFORMATION IS NOT 100 PERCENT ACCURATE PER THE LAW. 

THEY HAVE ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 604 A SECTION 2 : WHICH CLEARLY STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT WRITTEN INSTRUCTIONS. 

I HAVEN'T GIVEN THESE COMPANIES WRITTEN PERMISSION TO FURNISH THESE ACCOUNTS ON MY CREDIT REPORT AS WELL. 

THE FOLLOWING ACCOUNTS NEED TO BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY : XXXX : XXXX XXXX XXXX ACCOUNT # " NO ACCOUNT NUMBER WAS REPORTED BY NONE OF THE CREDIT BUREAUS '' XXXX : XXXX XXXX XXXX XXXX ACCOUNT # " NO ACCOUNT NUMBER WAS REPORTED BY NONE OF THE CREDIT BUREAUS '' XXXX : XXXX XXXX XXXX XXXX ACCOUNT # XXXX ( EQUIFAX ) AND ACCOUNT # XXXX. ( REPORTED TO DIFFERENT ACCOUNT NUMBERS ) I HAVE ALSO ATTACHED PICTURES OF MY CURRENT CREDIT REPORT SUPPORTING MY CLAIM AGAINST THESE CREDIT BUREAUS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-28
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have several accounts on my credit report that are double reporting and I have several accounts on my report that the agency is saying it is accurate but when I notify the companies they can not provide me with information and they said that if I have any information to send to them but per the credit reporting agencys investigation they can not verify the account. But the credit reporting agency has stated that they verified it Is accurate.

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 2016-09-21
Company: NEW YORK COMMUNITY BANK
State: NJ
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
I applied for a mortgage refinance with New York Community bank XX/XX/XXXX with a 60 day rate lockin. No one from the mortgage department communicated me the status on the loan after repeated attempts. Finally after speaking to management my loan was approved and closing was confirmed for XX/XX/2016, however, even after confirming the closing time, date and place the bank representative did not show up at closing and never bothered to communicate to us that closing would have to be postponed. ( UNPROFESSIONAL on the part of bank and Title company ). NYCB mortgage company points a finger at the Title company ; maybe it was the title company but NYCB mortgage still failed to communicate to me the customer that the closing would have to be postponed. I went to the bank branch for a closing with the appropriate documents and closing money and no one at the bank had any idea about a closing to be done at that branch, ( again NYCB mortgage department failed to communicate with the NYCB bank branch ). NYCB Mortgage Company operates in a very unprofessional, unethical and incompetent manner. I ended up cancelling my mortgage application and went with a mortgage broker and got better service.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
CAPITAL ONE BANK USA NA XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX XXXX, XXXX To Whom This May Concern : I am writing this email to try and resolve this issue, which we have attempted more than a dozen times. 
My name is XXXX XXXX XXXX, and I once had an account with Capital One. 
Sometime in XXXX XXXX, I purchased a subscription from XXXX for {$89.00} with a one week free trial. The site turned out to be very difficult to access, we have tried multiple times and gave up. Before that one week trial ended we wrote them an email cancelling the service, so we do not get charged the monthly fee of {$89.00}. When we got our statement the following month, we were still charged the {$89.00}, so we contacted Capital One and disputed the charges. We were asked to send in the documents that prove the cancellation. We have sent all the required documents by mail with return documentations about four, faxed it four times with confirmations of receipt on your end. Each time we get our statements, the {$89.00} keeps showing up as overdue, and in fact we have called Capital One many times, and each time we have to explain what happened and every time customer service pulls our file, there is nothing showing that we sent all the documents. This circle had gone on for more than 2 years since XXXX XXXX and after we gave up on contacting CapOne, we started getting harassing calls from CapOne/and or collectors on behalf of CapOne. Now the balance showing there has ballooned to more that {$330.00} and was reported as of course a negative one. 
Up to this day we are still getting the impact of that false report, have disputed it to the credit bureaus and nothing has been done. 
Now it is XX/XX/XXXX, and the false report and ballooned balance is in my report. This is not fair and we need to come up with a resolution to this matter. I can offer to pay the {$89.00} which is the original amount of that cancelled subscription, and in turn Capital One remove that false report on my credit. 
I appreciate an immediate action to this matter, not months or years. 

Sincerely, XXXX XXXX XXXX SSN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: Experian Information Solutions Inc.
State: NC
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:
Hello, I recently received an updated copy of my credit report dated XX/XX/2022 through my XXXX XXXX XXXX services and noticed 40 inquiries on each of my 3 bureau credit reports that I did not authorize or consented to which is a violation of my rights to privacy. These inquiries are highly injurious to my credit and my ability to borrow. Furthermore, I suspect that I'm a victim of some sort of Identity Theft due to the fact that I lost my wallet a couple of years ago at the XXXX XXXX here in XXXX NC. I contacted Experian on XX/XX/2022 and informed them of my findings. I explained to the representative that I may be a victim of ID Theft. The Representative stated that I should file an FTC ID Theft Report and send that to all 3 bureaus including Experian, XXXX, & XXXX which I did on XX/XX/2022. Please see a copy of this FTC ID Theft Report attached.

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 2020-03-31
Company: Experian Information Solutions Inc.
State: IL
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:
Failed to correct existing issues

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 2020-03-31
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:
The credit reporting agency is disregarding FCRA & is out of compliance. I have submitted requests for investigation on several accounts where I have not been provided verification of a debt. The company investigates the claim & validates the debt without proof of the debt provided to myself or proof that I have been provided validation per FCRA. 

accounts include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX many of these accounts would be over the maximum reporting according to texas law even if they were valid.

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 2015-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX XXXX says I owe the {$450.00} but I have no idea what they are rwfering to. Now that I have spoken to them it says on my credit reports that I dispute it, but its still on there. Please remove ASAP.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The same number calls me many times a day, especially while I 'm working or Unable to answer the phone and wo n't leave a message so I 'm unable to respond to their harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23
Company: AFNI INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
TODAYS DATE :  XX/XX/XXXX  ATTENTION DISPUTE DEPRATMENT : AFNI  XXXX   XXXX  SS #  XXXX  DOB  XX/XX/XXXX  ADDRESS  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX  Your company have violated FCR A 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition  on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.   I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence  ( 1 )  In general No perso n ( comp any ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under se ction 1681c-2 of this  title has resulted from identity theft.     ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the    pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.   A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under secti on 1681c-2 of thi s title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.   The reference items are listed below please take this matter very serious AFNI I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company  Example In re   XXXX   XXXX   XXXX ,  XXXX  Telephone Consumer  Protection Act Liti gation, Case No.  XXXX , in the  U.S. District Court fo r the  XXXX   District of  California Stop collection proceedings against me Signatures on applications and accounts Investigators report  XXXX   XXXX  SS #  XXXX  DOB  XX/XX/XXXX  ADDRESS  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
Company: Experian Information Solutions Inc.
State: VA
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:
i have asked experian for a couple of years for VALIDATION of a bankruptcy that is being reported on my credit report, after several disputes, they are still unable to provide the sufficient and accpetable VALIDATION that, I, The consumer are legally entitled to.They report back that the bankruptcy is VALIDATED and WILL REMAIN on my report. I recieved a letter from the court ( that i have attached ), that they are not the data furnisher of this information, and all my credit files are FROZEN, for any data furinishers, Please remove this illegal reporting,

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 2020-03-31
Company: EQUIFAX, INC.
State: MS
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:
Equifax, XXXX and XXXX have failed to remove fraudulent accounts from my consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
Company: AES/PHEAA
State: UT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
As recently as XX/XX/XXXX, I have requested several times since XXXX to have my PSLF qualifying payments reviewed by Myfedloan.org. The only response I received was in XX/XX/XXXX, saying that at that time I had 77 qualifying payments. I have been making payments since XX/XX/XXXX - which means currently I should have around 109 qualifying payments - and in XX/XX/XXXX I should have had approximately 97 payments - I have bank statements showing these payments were made, and have been at the same non-profit qualifying employer since XXXX. It looks that the review is still missing approximately 20 qualifying payments. I have asked to have this reviewed 3 times since XX/XX/XXXX and have yet to receive a response. I have asked that they please recalculate my qualifying payments, or send me a response explaining the discrepancy as to why there are 20 less payments than there should be. 

They're most recent response came at the end of XX/XX/XXXX, stating " Since each account must go through a detailed review process, providing you with these details can sometimes take a great deal of time. '' It has now been another 2 months with no response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-17
Company: U.S. BANCORP
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XX/XX/XXXX, I received a letter from US Bank stating that I lived in a Special Flood Hazard Area, which means I am required to maintain flood insurance coverage. If we do not receive evidence of sufficient flood insurance coverage within 45 days, we will proceed to buy flood insurance for your property. I contacted US Bank and was informed that my garage was not covered. I then contacted my flood insurance company and they stated that the garage was covered and sent the appropriate paperwork to US Bank. 
On XX/XX/XXXX, I received another letter from US Bank, stating that a detached storage building on my property which had a replacement cost of over {$5000.00}, is not covered. It also stated that I had a FHA loan and the replacement cost was determined to be {$12000.00}. I do not have a FHA loan, I have a VA loan. The only storage building I have is a XXXX ft. by XXXX ft. shed that is definitely not worth over {$5000.00}. 
When I called US Bank, today, XX/XX/XXXX, I was told that the storage building was appraised at {$12000.00}, from comparable storage buildings that were XXXX square feet. 
My complaint is that this bank is not using correct data to determine what flood insurance is required to cover my mortgage. In their original letter they state that they will only provide insurance that covers the structure of my home ( the building, walls, floors, roof and permanent attachments ). So why are they now stating that I need additional insurance for a storage shed? I feel like they are trying to take advantage of us in every way they can. We have not had any issues like this before.

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 2020-03-31
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:
I made a purchase for {$440.00}, I never received the order and merchant refunded me it. I received the refund of {$440.00}, then same day the refund hit my bank, the merchant rebilled me for {$440.00} and refuses to refund it without giving me a reason to why they recharged me. I now have 2 transactions for {$440.00}, the first one was refunded so I call Capital One to dispute THE SECOND charge of {$440.00}. First issue is, the employee who opened the dispute for me mistakenly credits me for only {$44.00} ( I have proof via letter stating " I am receiving a credit of {$44.00} for the charges being disputed of {$440.00} '' ). I have called multiple times to get the missing {$390.00} temporary credit that I was owed, and they finally issue it after a dozen phone calls over 2-3 weeks. A few days after the {$390.00} temporary credit was posted to my account, I got a transaction rebill for {$44.00} ( now my full {$440.00} temporary credit just went down to {$390.00} ) .... and agents couldn't tell me why I was being rebilled for the {$44.00}, and after speaking to two supervisors at the dispute team, they both suggested to just wait for the dispute outcome. Fast forward 2 weeks, I got rebilled for the remainder of {$390.00} AND {$440.00}.

Their outcome was the merchant already refunded me, but KEEP IN MIND, merchant only refunded me for the first transaction, not the second. However, Capital One is stating merchant issued a refund for the 2nd transaction I am disputing, when in fact they only issued a refund for the first transaction of {$440.00}. Now I have a purchase adjustment/transaction rebill for {$44.00}, {$390.00}, and {$440.00} totaling to {$880.00}. My {$440.00} dispute just turned into a {$880.00} XXXX storm, and I can't get a hold of the Capital One dispute because their hours are not 24/7 and the last 4 days I have called, I have been on hold for more than hour and can not stay on the phone for hours just to get an agent from disputes then explain the entire situation over. 

The snippet of my transactions attached shows XXXX XXXX only refunding me for the FIRST TRANSACTION not both the first and second transaction the agents are telling me over the phone. There is only ONE merchant credit in my account for {$440.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ME
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
XX/XX/XXXX i found out that one of my XXXX XXXX. my customer had not paid for the work i had done to date and i had no written contract. i called my credit cards all XXXX different companys and asked for the use of my " credit card payment protection '' it goes by many names. i was told flat out that since i was self employed that i could not prove i lost the work. i can prove i lost the work. the end result was that i paid them thousands of dollars over many years ( like 10 years ) for this service and i only needed a few hundred dollars to keep current. they shut off my cards and collapsed my available credit. i needed that credit to keep my business going. i had to take a job working for someone else and hibernate XXXX. three months after my first phone they called begging me to get current, XXXX companys and even suggested i use my " credit payment protection '' when i said, " i am self employed and you guys knew that from the start, 10 years ago '' they said that maybe they could find a way for me to be allowed to use my " credit payment protection ''. i was so mad i had to hang up. when its my life and credit and business they cant help me, when i am about to go 90 days and they are going to have to " charge me off '' they find a way to use it. i never ended up using it because the paper work came to me in the mail after it was due back and furthermore it was impossible to fill out as self employed. i have tried to XXXX this to XXXX XXXX and XXXX. they fixed other things but not this they are in bed with the credit card companys and dont care what i say. i paid my debts current and i paid off the cards that were closed upon me. now i need help getting my credit fixed and my money i spent on credit payment protection back thank you i hope you can help. this down grade in credit has ruined my business that i worked so hard for and now i cant buy a house because of how they misled me into a trap. i am submitting one complaint per company so i am going to copy and paste this to each one.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I was the victim of identity theft. On XXXX XXXX I noticed an unauthorized XXXX pending withdrawal from my XXXX checking account to an account at capital one. I requested this transfer be stopped on XXXX XXXX. XXXX XXXX denied my request to stop this illegal transferred allowed it to occur on XXXX XXXX. After contacting the XXXX, NJ police XXXX XXXX did request a return of my money from Capital One on XXXX XXXX. I have never done any business with Capital One how did they open an account in my name?

Company response to consumer: Closed with explanation