BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XXXX XXXX XXXX, I contacted Capital One Auto Finance to inquire about receiving an extension on my auto loan. At that point it was due for the XXXX XXXX XXXX payment and I had a large medical bill that I had to cover that made making the payment difficult. I was approved for the extension ( attached ). I then made a payment on XXXX XXXX and have since made another payment on XXXX XXXX. <P/>I pulled my credit report and discovered that I was reported 30 days late for the XXXX XXXX payment ( which I received an extension on ). I called Capital One today, and even though they are reporting my account as current today, they argued that the 30 day CBR reporting ( submitted after my extension approval ) is valid. I requested to speak to a supervisor and when transferred to one, they argued with me as well. <P/>The whole purpose of getting an approved extension was to push off my 30 day reporting date. After all, I will be paying more interest on the extended payment. Its disingenuous of Capital One to approve an extension and charge additional interest but also report my payment as 30 days late anyway. Its also disingenuous for their representatives to argue with me about the validity of my CBR dispute, rather than simply provide me the address to submit a qualified written request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12
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:
ftc violation XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ftc file # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: AES/PHEAA
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I was contacted by a dunning notice soliciting collection of {$120000.00} from Fed Loan Servicing on XX/XX/2021 that I owe a debt. After responding with a direct dispute on XX/XX/2021, they began reporting negative and defaming information on my credit reports around XX/XX/2021. I have been denied credit and my credit worthiness has been compromised. I do not agree with the accuracy and integrity of the information. I have research the CFPB Website and found that : 12 CFR 1022.41 ( 1 ) ( 2 ) ( 3 ) Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer.

12 CFR 1022.41 d ( 1 ) ( 2 ) ( 3 ) ( 1 ) i Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : ( i ) Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2023, I had {$41000.00} taken out of my medical business account with a fraudulent wire transfer. Someone called my office around XXXX on that day and spoke to my front desk and office manager stating he was from Chase and wanted to inform me of fraud. He verified information with me that HE had including DOB, SSN and account information. I did not give him any information. I was suspicious and hung up and called Chase fraud department before XXXX and they stated a {$41000.00} wire transfer was going through..I told them it was fraud and to cancel it and make fraud claim. I was not informed or notified of this activity to confirm transfer. I subsequently realized my phone was missing during this time period and was subsequently found in the bathroom of my office later in the day. I subsequently received an email hours after I reported fraud that the wire transfer I disputed was going through. I reported this fraud to police as well as AG. Police noted call was to my cell which was inaccurate but subsequent report notes loss of phone. I went to bank branch next day and advisor sent in paperwork which I found out later was the wrong paper, I went back a couple of days later to file the paperwork again. On XX/XX/2023 I was informed that they were unable to reverve transfer and denied the claim stating that I benefitted from this fraudulent transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
A reservation was made through XXXX for a hotel in XXXX XXXX XXXX. Following procedure, I checked out of the hotel after a ( 1 ) one day stay with the understanding that I will only be charged for a ( 2 ) two day stay.

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 2022-03-22
Company: Experian Information Solutions Inc.
State: OH
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:
I have sent several dispute personal information update letters to all three credit bearues in the. The only address that is correct XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX and phone number XXXX. I no longer work at XXXX as well.

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 2020-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This unverified account of sources receivable account number XXXX is reporting inaccurately. On TransUnion is reporting account status as open, on my XXXX  it is reporting as closed and on XXXX  is reporting as closed. also there's a past due balance being reported on XXXX  for {$920.00} but on Transunion and XXXX  there is not a past due balance be reported. I have disputed this account several times and they yet fail to show me proof of verification or remove this account because of inaccuracies and neither company showed me their method of investigation to support their claim that this account was verified

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 2016-04-09
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Transaction issue

Complaint:
I have a consumer credit card with The Home Depot which has a deferred interest purchase that is due for {$340.00} which is due before XXXX/XXXX/2016, I paid the full amount of {$340.00} and they took {$110.00} for a minimum payment for the pay period. I called today to ask to pay the {$110.00} that they took for the minimum and they are trying to require me to another minimum of {$110.00} that is not due until XXXX/XXXX/2016. I am asking to pay the {$110.00} now and the {$110.00} before the due date of XXXX/XXXX/2016 and they are refusing. i authorized payment of {$110.00} but they took a payment for {$110.00} which was incorrect and I asked for them to cancel it and they refused to credit it back 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 non-monetary relief
Consumer complaint received 2018-11-07
Company: AMERICAN HONDA FINANCE CORP
State: NJ
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:
When I first leased my vehicle in XX/XX/2017, I made the first month 's payment as part of my initial lease payment which covered the first payment cycle. I was surprised to see that subsequent payment for XX/XX/2017 was marked as a missed payment on my credit report.I thought that this was extremely unfair and confusing, the sales person at my showroom did not specify when my next payment was due further I did not receive a date as to when I was supposed to make that first payment by mail or online until very late in the payment cycle. I would like Honda Financial to remove that missed payment on my credit report, I feel that this is in violation of the FCRA. This is having extremely adverse effect on my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: Manhattan Beach Venture, LLC
State: IL
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:
The amount alleged owed {$7500.00}, on XX/XX/2014. I have contact and told this company this account is not mine and never has been. I asked them to send me proof that the account is mine with signature and they did not send me a response back very rude. I sent XXXX letters to them asking for removal of unauthorized account

Company response to consumer: Untimely response
Consumer complaint received 2016-10-18
Company: CITIBANK, N.A.
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Citi mortgage drafted my account for two mortgage payments at once. They refused to reverse the transaction ... they refused to research the issusue ... XXXX ( XXXX ) talked over me and tried to hang up Several times without help .... they have giving me different info from different reps and the reps do n't follow through and they make it hard to get a refund.. to date I have received no refund of my XXXX dollars

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 2019-10-20
Company: Experian Information Solutions Inc.
State: AR
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 have been a victim of Identity theft and this has been on ongoing issues with this company. On XXXX @ XXXX XXXX ( tracking # XXXX ) Experian received one of several dispute letters regarding fraudulent established accounts that are being reported on my Experian credit report. A police report containing the accounts in question was and has also been included with the past several disputes I have sent to Experian as well. On XXXX @ XXXX XXXX ( tracking # XXXX ), Experian received a dispute letter on my behalf regarding the same fraudulent accounts that they continue to list on my Experian credit report. I have stressed the negative financial impact to Experian this has taken on my personal financial status, sent in supporting documentation, and yet Experian still continues to violate my consumer rights under the Fair Credit Reporting Act, Section 605b, 609, and 611. It has been well beyond 30, 60, and 90 days and no proof of accurate verification or original correspondence have been provided by Experian as per the Fair Credit Report Requires. I have provided more than the necessary documentation supporting my claim and yet nothing is being done about the situation.

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 2020-03-12
Company: TRUIST FINANCIAL CORPORATION
State: WI
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 XX/XX/2019 I received notice my score dropped due to a missed payment. I went into my XXXX  app to check what happened. I discovered a loan that is not mine from Sun Trust Bank. I contacted the bank who basically told me I was being dishonest and the loan was mine. 
I filed an identity theft report and disputed the information. XXXX  just did the same thing the bank did and stated its my loan. 
I did not take out this loan and never received any money from this loan. This is not my loan and I believe I am the victim of identity theft.

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 2020-03-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK
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:
Back in XX/XX/2020, I was approach to do a job as a XXXX XXXX. I check out the website and look legal. The company said that they would put money in my account so that I can purchase products they ask me to do during the task. On XX/XX/2020 Capital One credit my account {$3300.00}. With the money in my account and company said that no sales taxes will be charged. I went ahead and did the task on XX/XX/2020 which was to purchase {$3000.00} worth of Gift cards. Part of the task was to take picture of the gift cards and text them to the XXXX  company. We did the task as require of the company per their request. On XX/XX/2020 we found out that the gift cards were XXXX out and also Capital One took back the {$3300.00}. We did the task base upon Capital One deposit of XX/XX/2020. If there was a problem with the deposit they should have not deposit the funds in my account on XX/XX/2020.I talked with Capital One and keep being told they would call me back. I just received an statement saying we owe Capital One for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16
Company: EQUIFAX, INC.
State: OH
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:
File dispute on XXXX XXXX XXXX  account And XXXX XXXX  after 5 days they closed dispute with verified accounts and remain Theres no way either account could of been properly verified as mine

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-22
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Application processing delay

Complaint:
When we were in XXXX, a vendor accidentally XXXX billed a charge of XXXX XXXX, They issued a credit the same date, XXXX/XXXX/15. 
Unfortunately the XXXX charges ( same day ) were billed at different exchange rates and were billed US {$23.00} and US {$22.00}, but the credit ( same day ) was for US {$22.00}. 
When I questioned Citibank they were unable to assist me and explain how XXXX transactions were for different amounts on the same day, they told me to refer to XXXX XXXX XXXX. Does the XXXX XXXX XXXX exchange rate vary by minute? This appears fishy to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-04
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened up a Citigold checking account with a promotion of XXXX XXXX XXXX miles. The code for the promotion was given to me by a Citi chat representative and I confirmed with Citi that the code was properly applied to my account. They replied and ensured me that as long as I meet some spending requirements, I would receive the miles within a certain period of time. After completing the spending requirements, I contacted Citi to confirm that all the requirements for the promotion were completed and at this point, the representative informed me that it was a targeted offer that I was not supposed to receive.

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 2022-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
I received a copy of my credit report and notice some hard inquires that i don't recognize. 

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 2020-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
XXXX XXXX XXXX allowed me during Covid to delay my payment. Then, they reported me 30 days late to the credit bureaus

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 2017-07-12
Company: JH Portfolio Debt Equities, LLC
State: MO
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:
Jh portfolio is reporting inaccurate information to credit bureau I 've disputed this info and they refuse to correct it or remove from credit reports

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 2022-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2022-07-16
Company: Experian Information Solutions Inc.
State: MA
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:
XXXXm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION to file a report. Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents including my FTC Report to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXXXXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry XXXX XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXXXXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date 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