BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Capital One/Saks Fifth is acting unreasonably as it relates to the one late payment in XX/XX/2019 which was the only during the life of the account due to financial hardship. I have made attempts to contact them via mail and phone without resolution. I am being told different things about goodwill adjustment and nothing is clear. I want the 30 days late mark removed from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: SYNCHRONY FINANCIAL
State: NH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2020 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get 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 2023-10-17
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting 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 XXXX XXXX in accordance with the Fair Credit Reporting act XXXX Account # 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 XXXX XXXX XXXX. I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly

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 2021-03-18
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 status incorrect

Complaint:
The XXXX  XXXX accounts XXXX, XXXX, XXXX. Were all settled on or before XX/XX/2021. These accounts are still showing open. They must be marked closed and paid. 

Additionally XXXX account [ XXXX  XXXX ] .. XXXX has been setled and need to be reported as paid as agreed /no balance

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 2019-08-08
Company: Southwest Credit Systems, L.P.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I switched home TV/Phone/wireless service from XXXX to XXXX in XXXX of XXXX. XXXX produced a bill saying that I had a past due amount. This was incorrect as they bill a month in advance and I had cancelled their service and returned their equipment. I received a letter and calls from Southwest Credit regarding the same amount of past due ( {$270.00} ). In speaking with XXXX, they acknowledge the bill is in error ( too high ) but that they can't correct this until the next billing cycle ( XX/XX/XXXX ) ... .yet Southwest Credit will not stop their debt collection activities. Crazy ... .I know XXXX is a bad customer service company but even they can't tell me the actual amount owed ( only that it's less than their bill ). What's a consumer to do?? 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25
Company: Green & Sons Agency, Inc.
State: UT
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
In 2018, XXXX XXXX  called my work phone number about a debt I shouldnt have to be paying anyway. I told them not to call me at work and that I was working on resolving the debt with the University XXXX XXXX. Today, they called other branches of my work to try to reach me, which is both unprofessional and embarrassing, especially when I have a direct line and I told them not to call me at the direct line.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: AMCOL Systems, 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: Account information incorrect

Complaint:
I submitted three payments to the company towards my original balance of {$1500.00} that is not reflected on my credit report ( the balance owed on my credit report shows the total amount of {$1500.00} ). 
The following are dates/amounts I paid toward my balance owed and would like reflected on my credit report : XX/XX/2019 - {$5.00} XX/XX/2019 - {$10.00} XX/XX/2019 - {$280.00} The following payments were written checks that were cashed by the company, which I have proof of. 
The company has incorrectly sent my account into collections in XX/XX/2019 under the premise that I did not make an attempt to send any payments, which is untrue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: Monevo Inc
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
On XX/XX/XXXX, I received an email from XXXX saying my application was submitted to XXXX XXXX XXXX XXXX XXXX and it was declined. I did not apply for any loan and I also have a fraud alert on my credit report. No one tried to contact me via any forms of communication I have listed on my credit report to let me know someone was trying to use my credit. Instead they ran my credit and submitted me for a loan. I have tried to email and call Monevo, but there is no customer service phone number. The number I did find was no help at all. It was just an automated system. I reached Out to XXXX and told them this was a fraudulent application. They told me that they can only have the application in " identity theft '' status for 7 days. I'm on the phone telling the representative that I did not authorize this and she says that is there policy. I need for Monevo to take my personal information out of their system!! And now I have an unwanted inquiry on my credit report!! Monevo did not do their due diligience on verifying my identity. All they are concerned about is making a loan/profit!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-28
Company: EQUIFAX, INC.
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: Personal information incorrect

Complaint:
I recently pulled my credit report with all XXXX bureaus and thoroughly looking over everything I noticed there is inaccurate information on my credit report including : wrong names not, wrong addresses, wrong employment listings that are not associated with me. in addition Unauthorized Inquires I do not recall attempting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I have personal checking Acct ( ACCOUNT XXXX ) and DBA Business checking Acct ( ACCOUNT XXXX ) at CAPITAL ONE BANK. 
Account 1 had a balance of {$8300.00} Account 2 had a balance of {$5600.00} Total available at the Bank was {$14000.00}. ( Attachment 1 ) The Bank froze my accounts, denying my all scheduled payments- and claimed my Accounts were under investigation ( BY THE BANK. ) ( Attachment 2 ) They weren't forthcoming with any information even after in person visits or through phone conversations. Since XXXX XXXX. However, I could still review my accounts online. 
Suddenly, my online balance, went to {$0.00} and showed withdrawal. ( Attachment 3 ) Again I visited a Branch in person to find out where my money was, who did the withdrawal. The Bank provided numerous and different places my balance money was sent to. the bank claimed my money was sent to Secret Service, FBI, IRS and finally SBA. No agency had a report of the money. 
On XXXX I received a Letter dated XXXX that the Bank CLOSED my account and WOULD BE SENDING CASHIER 'S CHECK. ( Attachment 4 ) As of XXXX NO CASHIER '' S CHECK has arrived. I have contacted Bank on several occasions and again been told- " It was sent to SBA '' however, SBA hasn't received any CHECKS from the Bank . 
CAPITAL ONE BANK HAS BASICALLY STOLEN MY MONEY! I tried filing a Police Report for my money but XXXX County Sheriff Office refuses to write it up. 
RESOLUTION BE PROVIDED MY {$14000.00}. STOP THE ABUSE/THEFT FROM THIS BANK.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: Lockhart, Morris & Montgomery Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company, Lockhart , Morris & Montgomery contacted me sometime in XX/XX/2022, claiming that I owed them {$7800.00}. On XX/XX/2022, I requested a copy of any documents, bearing my original signature, showing that I have ( or ever had ) some contractual obligation to pay the alleged amount. When they could not provide such competent validation of the debt, I again wrote them on XX/XX/2022 requesting to have the debt deleted from my credit report. When I noticed that they did not respond to my demand, I sent them another letter on XX/XX/2022 asking them to remove the item from my credit report. They have refused to do so. Hence, I am filing this complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: BBVA FINANCIAL CORPORATION
State: FL
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:
The credit card is from the bank BBVA. 
Fraud resolution number is XXXX and the second one is XXXX. 

Ive spent hours with them on the phone trying to resolve the fraud issue I've repeatedly been told its been solved and the next day i get a call from them asking for payment again and again day after day 52 days Account passed due. The amounts are XXXX XXXX plus the late fees issued by them and interest charges. They are horrible to attend the phone and Ive been hanged up by them serval times as well. Please help i dont know how else to approach this issue.. they are going to destroy my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: Ragan & Ragan, PC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I contacted the company in regards to a notice I received pertaining to legal action from a debt. The lawyer that answered was abusive and very rude in speaking with me, so I asked to speak to someone else and he slammed the phone in my face. I now do not feel comfortable contacting this company again due to this experience and the abusive nature they are known for based on XXXX reviews. I tried calling XXXX XXXX XXXX, however, since the debt had been sold they could not assist me. This may result in adverse actions towards me as I do not have anyone else to contact to learn more about the debt notice and options.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: Experian Information Solutions 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:
FCRA violations : inquires not mine XXXX XXXX Inquired on XX/XX/XXXX XXXX record until XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : payments never late XXXX XXXXE XXXX Potentially negative Date opened XX/XX/XXXX Balance {$18000.00} Status Open.

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 2021-07-16
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
XX/XX/XXXX I deposited my tax return check To an ATM at wells Fargo I put my card chose the deposit check out my check it took my check said thank you for you're deposit on the screen and didn't give me a receipt .. I straight away called the bank to let them know my deposit was not in my account they said ( don't worry it may take up to 24 hours to post ) it never posted I've opened claims to Witch wells Fargo closes they stole my check .. my tax preparer know the check was cleared XX/XX/XXXX into a wells Fargo account because the routing number is from wells Fargo ... it's been months and still have not received my check I've done a police report everything and nothing wells Fargo has the worst employees ..rude and XXXX XXXX wells Fargo has my money in an account my tax office has confirm my money is in wells Fargo

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 2020-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
My information was stolen and used to open a number of fraudulent accounts in my name. These accounts on my credit report are fraudulent and need to be removed from my Credit report immediately and permanently : # 1. XXXX {$0.00} Closed 2 late payments, XX/XX/XXXX, Credit Limit {$200.00}. # 2. XXXX {$0.00} Closed Unknown payment history, XX/XX/XXXX, Credit Limit {$500.00}. # 3. XXXX {$0.00} Closed Unknown payment history, XX/XX/XXXX, Credit Limit {$750.00}. # 4.XXXX XXXX {$1100.00} Closed Unknown payment history, XX/XX/XXXX, XXXX XXXX {$1100.00}. # 5.XXXX {$0.00} Closed Unknown payment history, XX/XX/XXXX, Credit Limit {$300.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: Maximus Education, LLC dba Aidvantage
State: GA
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:
Aidvantage ( YOU ) are reporting accounts without written permission! I never gave any consent to report these accounts. All reporting agencies ( XXXX, XXXX, and XXXX ) are showing this harmful information to my consumer report. How did you all get my information! Someone is illegally sharing my information ( the financial institution ) 15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 

How did AIDVANTAGE get my information if I never authorized this!? 

Section ( b ) Financial institutions safeguards ( XXXX ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and My information has been exposed! You have caused me harm & danger. 
Who gave you all access or was there a breach!?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: AES/PHEAA
State: NY
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:
The issue is that, before the transfer of my federal student loans to XXXX, my then-student loan servicer Fed Loan Servicing gave me an incorrect determination for my XXXX request. The timeline of events is as follows. 

On XX/XX/XXXX, I uploaded to FedLoan Servicing a XXXX Application. The Application came with a letter signed by me explaining that I sought XXXX for three specific loans which I had had since XXXX or before. Furthermore, I explained that I was XXXX XXXX in the XXXX from XXXX until XXXX. So, from my time in the XXXX that's approximately 8 years that should count towards the 10 years required for XXXX for the loans I specified. In addition, since XXXX I have been working at a federal agency, so that should count as an additional year toward the 10 year requirement. 

My letter also explained that because I am a veteran and my ex-employer the Department XXXX XXXX XXXX XXXX is difficult to work with, I could not find who at XXXX should sign Section 4 of the Application ( Employer Certification ) that certifies that I worked at that employer for an amount of time. Instead, I provided my official letter from the Department XXXX XXXX XXXX that said that I was XXXX XXXX and that I entered service XX/XX/XXXX and was XXXX on XX/XX/XXXX. 

On XX/XX/XXXX, I received notice that my XXXX Application was received by XXXX. While I waited for it to be processed, I went ahead and paid off one of the three specified loans in my Application, because it was such a low balance. 

On XX/XX/XXXX, I received notice that my PSLF Application Determination was made. The Determination said that there was missing information, the Employer Certification. So, XXXX XXXX did not accept the official letter from the Department XXXX XXXX XXXX. 

On XX/XX/XXXX, I received notice that my loans were transferred to XXXX. So, now it's XXXX 's problem. 

This series of events is problematic, because I have since found out that consumerfinance.gov has resources for veterans applying for XXXX that explicitly says that alternatives to Employer Certification exists. So, XXXX was able to process my XXXX Application and grant me the approx. 9 years of service towards the XXXX for the specified loans. FedLoans Servicing malfeasance has several negative waterfall effects. For one, I have to repeat the XXXX Application with XXXX. Second, XXXX is currently overwhelmed and difficult to communicate with as a result. Three, and this is a major concern, because of the {$20000.00} Debt Relief granted for which I qualify, there is a great risk that the Debt Relief will be applied toward the specified loans in my XXXX  Application for which I do not want Debt Relief since I am so close to satisfying XXXX  requirements. I'd rather have the Debt Relief applied to my more recent federal student loan debt which I incurred in XXXX - XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing to bring to your attention a concerning issue regarding my credit report. A previously disputed collection account has reappeared on my credit report, and I would like to address this matter promptly. 

XXXXXXXX XXXX I original creditor XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian The collection account in question was previously disputed, and after a thorough investigation, it was removed from my credit report. However, I recently obtained a copy of my credit report and was dismayed to find that the same collection account has resurfaced, negatively impacting my credit score. 
I kindly request that you investigate this matter once again and provide me with a detailed explanation of why this collection account has reappeared on my credit report, despite our previous dispute. If any new information or documentation has become available, I would appreciate your sharing it with me. 
I would also like to remind you of my rights under 15 USC 1681, which guarantees my right to privacy and stipulates that I must provide written permission for the reporting of this account. To my knowledge, I have not given any written permission for XXXX or Experian to furnish this account information. I kindly request that you promptly initiate a re-investigation into this matter in accordance with your obligations under 15 USC 1681.

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 2019-11-06
Company: United PanAm Financial Corp.
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: Credit inquiries on your report that you don't recognize

Complaint:
I never authorized this company to run my credit bureau reporting on XX/XX/2018

Company response to consumer: Closed with explanation