BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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: Card was charged for something you did not purchase with the card

Complaint:
Ive been XXXX  from XX/XX/XXXX up until XX/XX/XXXX and upon my release Ive obtained a capital one trust bank checking account and I realized through the credit wise feature attached to my capital one bank account That there was a charged off amount for {$460.00} that I have no clue about. It seems a credit card was open using my info. This situation is clearly fraud. I have not contact capital one as of yet. I am filing a claim with CFPB first before I give capital one a call. I want this matter handle as soon as possible please. When I call capital one I would be able to give capital one the claim number created by CFPB. I have no clue who used my info to obtain a credit card while my time being XXXX. Please resolved this matter as soon as possible being is effecting me from obtaining the stuff I need to continue my pursuit to happiness. Kind regards : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-11
Company: BARCLAYS BANK DELAWARE
State: HI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. I did not open a XXXX XXXXXXXX XXXX card or a checking account with Barclays. I have communicated in writing and made several telephone calls asking for assistance. I was transferred up to six times within 2.5 hours of being on the telephone with multiple representatives with Barclays and got no resolution. At the last minute, the lady from the fraud dept said, " my computer is frozen. Can you call back in an hour? '' I called back in an hour only to be told I had the wrong dept and transferred me to another representative.

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 2021-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 : {$0.00} - This account is indexed as a charged off account, please make sure that you produce a documentation that this is mine. As per the rights given to me by the fair credit billing act if you can not grant these records to me, instantly get rid of this incorrect posting. 
XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$450.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed. 

XXXX XXXX XXXX XXXX : {$1200.00} - You are reporting inaccurate information as the past due balance is wrong. Update or rather delete this erroneous account.

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 2021-10-27
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of inquiries that are still reporting on my Credit Reports : XXXX XXXX Inquiry : XXXX. XXXX, XXXX EQUIFAX MORTGAGE SER Inquiry : XXXX XXXX, XXXX EQUIFAX MORTGAGE SER Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10
Company: Optima Recovery Services LLC.
State: TN
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:
Good Afternoon, I am writing because The only answer I can get from anybody is " that is not how this works '', and I don't feel like that is a sufficient answer. 

In 2014, I signed up for a membership at a local gym. XXXX XXXX XXXX in XXXX, TN. I did sign a contract and I did agree to pay a certain amount ( $ 50/month ) over a certain period of time ( 3 years? ). I thought it was {$1800.00}. I no longer have the contract. As thing happen, and the do happen, I lost my job about 5 months into the contract. I was paid current until that point. 

During my membership, I was given a key fob type of card that would activate the machines in the gym. If I was ever behind on a payment, the card would be deactivated. I could not use the equipment. Regardless of whatever contract I signed, it was pay as you go on a month to month basis. There was never any service provided that was not paid for. I could not use any service in the gym without paying for it first. 

There is a ding on my credit report for {$2100.00}. This is more than what my contract 's full term was for, and I paid for about 5 months already. I am curious how anyone could report me to a Credit Reporting Agency, who has not extended me a XXXX of credit. I get that XXXX XXXX feels I owe them that money because I signed a contract, and I am currently trying to work with the collection agency XXXX XXXX XXXX XXXX on a payoff. I think that reporting me to a Credit Agency is illegal since there was not a dime of credit extended to me. Not a dime. I am really feeling like this is a form of fraud and I have no idea where to turn to for help. XXXX XXXX is not registered with the XXXX, so it does no good to complain to them. This company has dinged my credit with the sole purpose of downgrading me in the eyes of someone who might actually give a me a real loan or real credit. I did not receive a loan or any credit from XXXX XXXX, so how are they able to grade me on loan and credit repayment? In order to report me to a credit agency, I would need to be defaulted on a loan or a line of credit. I am neither of those things with XXXX XXXX. I paid for every single time I used their facility and for some times that I did not. If we should get technical about it, I am owed money for the months I paid and did not go. What is the recourse for this? My intentions were good. I signed up for the gym and I made my monthly payments. I lost my job and I stopped going to the gym. We can go to court and discuss it with a judge about whether or not I am actually liable for the money and how it should be paid, but how am I getting dinged on my credit report when this has absolutely nothing to do with my credit?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This creditor did not send me original contact, original credit information, payment history and proof of ownership.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I contacted Midland Credit Management after being served with papers in XXXX for a XXXX XXXX account that is not mine. First the card is in a partial name which I have never gone by since it is not my legal name and secondly I have not resided at the address given. At that time I also was told that I was served with papers for an XXXX home account which is also for that same address. I asked for verification if the debts I received a statement fir the XXXX but nothing for the XXXX account. I asked for a copy of the application which has not been provided. Neither if these accounts are mine and they need to be removed. I spoke with them again today with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10
Company: EQUIFAX, 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: Account information incorrect

Complaint:
+IN SUMMARY BECASUE OF MY XXXX I WENT INTO A LONG TERM REPAYMENT TO THEM OF {$42.00} A MONTH OFR 5 YEARS WITHOUT USE OF THE CARD AND MY DEBT WOULD BE CLEARED. AFTER ABOUT 10 MONTHS OF MAKING ON TIME PAYMENT TO THEM XXXXXXXX XXXX SOLD MY ACCOUNT TO XXXX. FROM THEN XXXX SUBMITTED TO THE CREDIT BUREUA THAT MY ACCOUNT WAS CLOSED WHICH HURT MY SCORE AND THEN XXXX INITIALLY AGGREED TO THE TERMS FOR ABOUT 2 MONTHS EVEN SENT ME A BILL FOR {$42.00} WITH AN {$18.00} DOLLAR HANDLING FEE WHIHC WAS NEVER PART OF THE ORIGNAL DEAL WITH XXXX XXXX. I HAVE SPOKEN TO MANAGEMENT LEVEL PEOPLE AT XXXX WITH NO HELP. RECENTLY THEY HAVE REPORTED ME LATE ON THIS ACCOUNT TO ALL 3 BUREAU THAT NO PAYMENTS HAVE BEEN MADE FOR THE LAST 3 MONTH WHEN IN FACT THE CHECKS WHERE CASHED BY A SERVICE CALLED XXXX XXXX WHIHC I AHVE NEVER HEARD OF. I WNAT THEM TO BE HELD TO THE SAME AGREEMNT THAT I AGRRED TO AND HAVE BEEN MAKING PAYMENTS ACCORDINGLY. I HAVE ATTACHED PROOF OF THE PAYMENTS MADE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: JPMORGAN CHASE & CO.
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:
I checked my credit score on the Chase Credit card website and it says that I have various credit cards recently open, but I've never had a credit card in my life, so I think someone stole my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: EQUIFAX, INC.
State: NV
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights. 

15 U.S.C 1681 section 602 A. 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: Experian Information Solutions Inc.
State: CA
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:
Hello I sent a letter on XXXX/XXXX/2022 to Experian, XXXX and XXXX to remove personal information that I do not want on my credit report. According to the Fair credit reporting Act 15 USC 1681.I have the right to privacy, Also according to 15 USC 6802 , No financial institution is supose to share my information to third party people.

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 2023-02-23
Company: Dovenmuehle Mortgage, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hi, I have a mortgage with XXXX XXXXXXXX, and my loan is serviced by Dovenmuehle. 
For some reason, those people are not able to understand their letters, and since my forbearance came to an end ( XX/XX/2021 ), and I resumed making my payments starting XX/XX/2021, they have been " harrassing '' me with requests of payments that I have already made. 
now has been over 12 months that this goes on, we had exchange of phone calls, emails, and I do not know how to make them understand their letter, and how to read my bank summary of all the payments I have made. I have had XXXX sending them proof of " electronically '' sent funds, but they do not understand it. 
They even ruined my XXXX Score. 
I do not think they are taking my problem seriously, and I think so because when I talk to them via phone they make me believe that they understood the problem, to give them about 30 days, so my problem will get fixed, but then I get an email saying that my account is behind with payments. 
I do not know what else to do. 
Please help me! 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: NAVY FEDERAL CREDIT UNION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This pathetic company is allowing charges to be made to my card even when I have it frozen. They have also taken {$170.00} from my account with no explanation as to where it went. I want my XXXX money back in my account immediately and an explanation to the charges and the missing money IMMEDIATELY before I stop using this pathetic XXXX institution all together you XXXX imbeciles.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Upon recently checking my credit report I noticed multiple accounts reporting on my profile that I did not authorize or verify. Section 609 of the FCRA says that before derogatory accounts are placed on your credit a signed letter of verification must be on file. I demand to see said letter of by law these accounts must be removed from my credit within 30 days of the date of this letter. These fraudulent accounts are negatively impacting my credit and my livelihood and I need your immediate assistance with resolving the matter.

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 2021-01-19
Company: BARCLAYS BANK DELAWARE
State: TN
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:
It took almost three months for Frontier to find a missing payment the last time this happened back in XXXX of XXXX. Now it has happened again. I made a payment of {$1000.00} to my Frontier account on XX/XX/XXXX and now Frontier is saying they did not receive it as of XX/XX/XXXX. I have attached proof of payment from my bank showing the online payment, I contacted Frontier and told them about the missing payment and they said it could take up to two statements to rectify the problem. That is unacceptable. The Frontier Case # is XXXX. 

I made another payment of {$1000.00} on XX/XX/XXXX. Please make sure that Frontier does not confuse the two payments and that a payment for XXXX and XXXX are both made in the amount of {$1000.00} each.

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 2019-04-10
Company: AMA Advisors, LLC.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I had been working with a XXXX approved Housing Counselor since XX/XX/XXXX, assisting me with my request for mortgage assistance. I was approved for the New Jersey XXXX XXXX XXXX XXXX which provided monthly payment assistance for several months. However due to the severity of my medical condition ( XXXX ), I had fallen behind on my mortgage and loss my job. I was able to obtain gainful employment and requested the Housing Counselor 's assistance with an application to the mortgage company for a loan modification on XX/XX/XXXX. I received a Summons & Complaint from the lender 's attorney in XXXX of XXXX, In which the Servicer is the plaintiff. Due to application documents expiring, an updated application for modification had to be re-generated. An updated submission went out on XX/XX/XXXX. Due to the severity of my medical condition it has delayed the process for me. On XX/XX/XXXX, The XXXX inquired of my son 's income information. In a letter of explanation, I responded that my son is not on my mortgage we only share a bank account. On or about XX/XX/XXXX I received legal notification from the lender 's attorney motioning the court to substitute a new plaintiff. I have not received any communication from The servicer or the new purported Plaintiff indicating there has been a change in servicing or change in investor with regard to my loan. There had been no determination regarding my application request for modification with the servicer. I would ask that the CFPB conduct an investigative inquiry in to this matter for me. Thank you

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: EQUIFAX, INC.
State: NV
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 this complaint to update these suspicious information. Credit Bureau must validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17
Company: AMCOL Systems, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a debt collection notice from AMCOL in XXXX of 2019. I sent a letter to AMCOL requesting them to validate that I have a valid debt with AMCOL. AMCOL sent me a detailed listing of my healthcare procedures that had taken place with XXXX  XXXX XXXX dated XX/XX/2019. I never signed any medical release granting AMCOL access to my healthcare information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2023 a debt was added to my credit file. I was given no previous correspondence as to the debt existing. I called XXXX XXXX  that XXXX  to inquire and promptly paid the balance. However Transworld is still reporting this dept and refuse to send me a deletion of account letter or paid in full letter. I am scheduled to close on a home in XXXX weeks and this collection has reduced my score to below the qualification level. I have a large earnest money deposit on the line. The original bill is not my home and I am doing further investigation to see where the charges are coming from. Meanwhile I have made the creditor whole and need this rectified immediately.

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 2023-02-03
Company: Genesis FS Card Services, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
The milestone credit card lied about which bank they were associated with, paid to remove negative postings online and placement of actual information and has taken double. I paid the card off and made all payments. A XXXX card after years of not using it I've paid XXXX dollars plus with the balance changing day by day and the information about my account changing on a whim. It isn't right. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: Bridgecrest Acceptance Corporation
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I entered into a consumer credit transaction with XXXX XXXX on XX/XX/2020. A consumer credit transaction is a transaction in which a finance charge is involved, the finance charge in this case being in the amount of {$11000.00}. Pursuant to 15 USC 1605, a finance charge is the sum of all charges in a consumer credit transaction but all charges have not been included in the finance charge.. In my knowing that the finance charge is the sum of all charges, I was not expecting any bills from Bridgecrest LLC or anyone else. However, on XX/XX/2020 I received a bill from Bridgecrest in the amount of {$390.00}, and they have sent me a bill every month since then XXXX attempting to collect a debt that I do not owe, which is a violation of federal law 15 USC 1692f ( 1 ) which states that the collection or the attempt to collect of any amount is not permitted. I have sent both parties ; XXXX and Bridgecrest an Affidavit of Truth stating the facts of the violations committed against me along with exhibits, Ive also sent them a Cease and Desist demanding civil liability remedy for violating my consumer rights, as well as an invoice demanding payment.

Company response to consumer: Closed with explanation