BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have a Kohls credit card. They closed my account in XX/XX/2018. They stated the reason it was closed was " Principal owner ( s ) have past, present or pending legal action. '' Well I have NO legal actions. This is not a valid reason. And I have no lawsuits with Kohls. They are just closing my account under false pretenses. This is just a made up  reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2018 I contacted LVNV Funding, LLC by certified mail in regard to info that they had sent to me in response to my request for validation for the XXXX account they say that I owe. I told them then that the account in question was not my account however instead of researching their records they continue to pursue me for an account that is not mine. Last month I reached out to the bank they say is the original debtor and sent them an email requesting that they research their records as well in regards to this account. Still I have not gotten one response from them. I tried to dispute this account again with the credit bureaus as I have been doing for years but they said that its already been disputed and they will not look at it again. Then a few weeks ago I received a letter from a company called XXXX XXXX XXXX XXXX, XXXX indicating that their client LVNV Funding LLC authorized them to offer me a settlement on a debt that LVNV has not been able to validate nor have they provided any of the information that is necessary by law that shows that this is my account even after repeated requests for that information. I am requesting assistance in this matter and am ready to file suit against this company for repeatedly putting incorrect information in my credit file even after I have asked them to correctly and legally validate the debt. I am seeking restitution for the issues and the many setbacks to me being able to purchase a home and be given other credit opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit 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:
The Hardship department told me there was nothing Capital One could do to help me. I had requested that they lower my bill since I did not authorize the purchases, but it came as a result of a scam in which I was victimized for {$24000.00} on XX/XX/2023 ( the scammer purchased # XXXX XXXX XXXX XXXX XXXX  ). Capital One 's Fraud department did acknowledge the purchases were made fraudulently, and they even sent me a letter stating that I was not liable for any of the amount on XX/XX/2023. However, they sent another letter on the same day ( XX/XX/2023 ) stating I was liable for the total amount, and ( at least ) the minimum interest payment was due XX/XX/2023. After making many calls to C1 's Fraud Department and Hardship Department, I learned that C1 's " Zero Liability Policy '' does not cover scams and that I was liable to pay the total amount according to the contract. While I agree that I should carry some of the responsibility ( scams are a hard lesson ), I do not agree my responsibility is 100 % because it was never my intention to undermine my security ; nonetheless, Capital One 's security in making sure the purchases were not made under pretense. However, Capital One distinguishes between " fraud '' and " scam. '' To qualify for Capital One 's " Zero Liability Policy, '' the client must have zero knowledge of the transactions. Their policy, as evidenced by their letters, contradict each other, for a scam is fraudulent by nature and act, and therefore there is no distinction. I am asking for your assistance in two ways. I would be satisfied if Capital One carried at least 50 % of the loss and my story is published so that others will carefully consider their bank ( s ) of choice, including credit limit for everyday general-use credit card ( s ). I did not choose Capital One as my credit card. That choice was made by XXXX 's when they decided to switch from XXXX XXXX. I had been using XXXX 's credit card for groceries and small household purchases via my XXXX 's membership. In order to increase my security ( through several means as result of this hard lesson ) and gain greater peace of mind, I intend to close my account with Capital One.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-09
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: Information belongs to someone else

Complaint:
I have an unverified accounts on my credit reports. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of these debts and request verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) When the original date of default and collection activity began 6. ) Whether or not you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account.

I have attached a police report, FTC report for 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 2018-07-30
Company: Ditech Financial LLC
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage with Ditech Financial LLC. I made my XXXX mortgage payment on time as usual, actually a few days early. When looking at my statement for XXXX I see a double payment due. I checked my payment history and found my XXXX payment was applied as a principle payment instead .I made my regular payment for XXXX. I called ditech and asked why and how this happened and was told they don't know. I asked for the payment to be reallocated and I was told they would. Since then I have called them 6 times with up to 20 minutes hold time because I keep getting told they will take care of this and they have not. Today XX/XX/18 I called again they said we are still waiting for your allocation to go through. I said I have waited a month now this will damage my credit score. I asked for the supervisor and was told he was busy with other customers. I asked for his direct number. I called a supervisor named XXXX XXXX got voicemail left a message and no return call. It is now XXXX XXXX. 
Secondly, .I have some kind of 2 % interest rate loan through the government. I got a letter saying due to my timely mortgage payments I will get a {$5000.00} principle payment on my loan. I had to fill out the Dodd Frank form  they sent me an I mail it in XXXX. I called they said they never got it. Sent it in again I was told not the right form ( which I got from them ). Third time sent me the same form I filled it out and downloaded a Dodd Frank form I found on line filled that out also and sent it certified mail. I got the receipt showing delivery on XX/XX/18. Called to confirm I'm told they don't have it. The form has to be done by XXXX or I will forfeit the payment. Due to these incidents and lack of any resolve I charge that Ditech is purposely trying to not have to pay the {$5000.00} by claiming to not have received the proper paperwork and intentionally not applying my payment to make it look like I have fallen behind which would also negate getting that principle payment. Now they are talking about foreclosure? I am fighting a giant corporation and really need your help.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2023 please be sure to enter dates that all letters were sent. 

I sent disputes to XXXX, XXXX, and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them of the violations they were making to my consumer report. It has been over 60 days and they have failed to respond. I am attaching copies of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2020-06-09
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have an unverified accounts on my credit reports. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of these debts and request verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) When the original date of default and collection activity began 6. ) Whether or not you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account.

I have attached a police report, FTC report for identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18
Company: Equity Auto Finance, 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:
this vehicle has been paid in full. I TRIED SEVERAL TIMES TO HAVE THE NEGATIVE ITEM REMOVED. there IS no way I COULD HAVE SOLD THE CAR WITH A CLEAN TITLE if i owed. IT REPORTS LATE AND OWES XXXX : XXXX STATES THAT THEY " VERIFIED '' THE INFORMATION THEY DID not,, I spoke with XXXX from Equity auto who claims theres no way it was verified BECAUSE THEY DO NOT REPORT TO XXXX. 

XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Midland Funding LLC This garnishment was taken from my check XX/XX/XXXX until XX/XX/XXXX. I was never properly informed or served of the court and of course Midland Funding received their default judgement. They actually filed twice once in XX/XX/XXXX and they other inXX/XX/XXXXnever once received a notice of hearing or documents of trying to serve me court documents. I was taken completely by surprise of this garnishment, also they served an expired writ to my employer and my employer still honored it. I requested the satisfaction of judgement and they are refusing to give it to me now saying that I owe additional monies. As I have attached the writ for garnishment has been satisfied as of XX/XX/XXXX and I just received a letter from treasury stating that they are keeping my taxes  because this garnishment has not been satisfied. I have called and requested in writing and they are still refusing. This was a fraudulent account opened in my name under my social and yet I still paid the garnishment, and now they are trying to siphon more from me. I have tried contacting the XXXX district court and they said the account has been disposed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: RENASANT CORPORATION
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I tried to deposit a perfect-fully good check {$8000.00} by a in district lawyer. XXXX XXXX President of Renasant Bank XXXX the first lie ) told me he couldnt verify the lawyers check. ( knowing my MS law its illegal to have anything over {$3500.00} in your hands ) and had me drive to the lawyers bank with wands of thousands in my hand bringing  {$8000.00} back to my bank. 

Now Im depositing {$69000.00} and another {$9000.00} into my bank account. These are perfect -fully good checks ( sender and receiver have no problem ) XXXX XXXX accused me of fraud and called me to tell the checks havent been verified yet but, hes sure they are no good ( its discrimination ) than he calls the senders bank fraud department and stirs a mess. Now we ( the sender and receiver are calling to straighten  his mess out ). 

The President of the Renasant Bank ( XXXX XXXX ) is in a deprived mind against human beings of a financial stability. He is sick and this should be addressed. 

I have reported the Federal Reserve, the XXXX has been contacted, and I contacted the supervisor of the 1-800 Renasant Bank line.

Next, Im about to sue for emotional distress and discrimination. 

I am waiting some feedback. I am in the intent to take my banking business elsewhere. 

There isnt an end. XXXX XXXX cant lie and try to damage the reputation of innocent 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 explanation
Consumer complaint received 2022-03-08
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My decades-long bank, Suntrust, merged with Truist and did their migration over the XXXX weekend. During that weekend, my debit card stopped working. Later I tried accessing my account online and I could only see the credit card, not the Checking, Savings, and MoneyMarket accounts. 
I contacted them initially on XX/XX/22, and after waiting on the phone for several hours, was told to go into a branch because my account was titled in my trust, and needed to be verified ( it has been in a trust for decades ). I did that, and the branch rep told me that I have to open new accounts till they get the problem with trust accounts fixed. Seems they needed to title them in the name of the grantor instead of trustee ( not sure how they didnt figure out to do this in the months prior, since they began the process more than a year before. 
Somehow, after I opened the new account, the rep turned off my online access to the old account, which I use for bill paying and transfers to other accounts. 
I didnt realize this till I went back on the phone for an hour and a half, and was told to go in to a branch AGAIN because the first person didnt actually validate my trust account. So the second person submitted a form to do that, I believe XX/XX/22. Yet I still cant access my account.  I called again on XX/XX/22 and was told by ANOTHER person that it would be fixed within 24 hours. Still not fixed. 

This is a bloody mess. Please help me and all the others who are having this issue.

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 2023-09-12
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts which do not belong to me or were opened without my permission. XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$660.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$1700.00} ; CXXXX XXXX XXXXXXXX ( Original Creditor : XXXX ) XXXX Balance Owed : {$920.00} ; XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$2500.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance Owed : {$180.00}. According to FCRA XXXXection 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-09-14
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting 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:
XXXX XXXXXXXX These are fraudulent and unauthorized accounts and inquiries listed on my credit report.I have no knowledge of this suspicious activity on my credit report. I believe this has been fraudulent activity made on my SSN. I believe I am a victim of XXXX XXXX  identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25
Company: EQUIFAX, INC.
State: MD
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 would not remove a bankruptcy for my credit report which is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09
Company: EQUIFAX, INC.
State: ND
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX, I received a fraud police report for 6 fraudulent accounts. The same day I sent a copy of this police report to Equifax, XXXX  and XXXX listing all of the accounts that where affected by the fraud. Equifax received my letter onXX/XX/XXXX. On XX/XX/XXXX Equifax sent me a letter stated " We have researched the credit account : This item has been deleted from the credit file for ALL 6 fraud accounts. I  applied for a XXXX and XXXX credit card on XX/XX/XXXX and my application was denied because Equifax is still reporting a fraudulent Delinquent XXXX account ( {$10000.00} ) which was clearly listed on the letter dated XX/XX/XXXX listed under " this item has been deleted from the credit file ''.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 dispute back from XXXX on XX/XX/XXXX. I have disputed to them about inquires that i do not recognize. They refused to remove it. The representative that refused to remove and we spoke on XX/XX/XXXX. I informed her that these inquires were not showing on other credit reports. I put a Fraud alert on my credit file do to Identity theft. I also stated the 15 US code1681 B. 
XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/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 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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