BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I paid my Kohls charge of {$72.00} one day late on XX/XX/XXXX ( was due XX/XX/XXXX ). Kohls charged late fee of {$29.00} so next payment was {$100.00} due XX/XX/XXXX. I called to ask if they could remove the late charge since it was only 1 day late, and they said they could. So I paid my usual monthly charge of {$72.00}, assuming the late fee had been removed from my XX/XX/XXXX amount due. 
Received my bill for XX/XX/XXXX, which said i owed {$140.00}, for $ XXXX  monthly payment, plus XXXX late fees- {$29.00} and {$40.00} for second late fee. I called to ask what happened, spoke with rep who said the late fee isn't removed from the current payment due, which is how every other credit card i know of does it, but instead they take it off your " balance. '' So they said i had still owed the {$29.00} late fee when i made the XX/XX/XXXX payment. And because i hadn't payed the " total amount due '' of {$100.00}, they added another late fee of {$40.00} so I now owed {$140.00}. I asked to speak with a manager, the rep assured me he could help, and i had to ask 3x before he put me on hold. Then i was cut off. This was a few days prior to XX/XX/XXXX. 
I looked up Kohls late policy online, and they do not describe how if a late fee is removed, you still have to pay it and it's taken off your total balance. I left a message asking for a copy of their late fee policy to be sent to me, never received it. I called back on XX/XX/XXXX, talked with rep who again told me I owed all these late fees, i asked to speak to a manager, but after answering a few questions he said ok and hung up. I called back again, asked immediately to speak to a manager, was dissuaded by rep who assured me he could help me. He told me the same info about owing the late fees, i explained my side, he told me if i paid the {$29.00} late fee that would bring my account " current '' and he could then help me. So i paid the {$29.00} late fee, and he told me i still owed the {$72.00} + {$40.00} late fee. I asked to speak to a manager again, he put me on hold and then said that no manager was available but he understood my frustration and if i paid the {$72.00} he could wipe out the {$40.00} late fee. So I paid {$80.00}, and he assured me that took care of all that was due and my next months payment would be just {$72.00}. 
But now I received my bill due XX/XX/XXXX and it's showing that I owe {$140.00}, and it shows they refunded me {$20.00} but it should have been {$29.00}. And they're charging me another {$40.00} late fee although i was not late on my payment, and I'm not sure why i owe {$140.00} as my monthly charge of {$72.00} + {$40.00} ( which i shouldn't owe anyways ) would only equal {$110.00}. To be clear, i haven't bought anything with my kohls card, i've just been trying to pay it off, making my monthly payment every month, which is {$72.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-28
Company: EQUIFAX, INC.
State: NC
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:
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 ( Original Creditor : XXXX XXXX XXXX  ) Account Number XXXX XXXX XXXX Account Number XXXX 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 an 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 non-monetary relief
Consumer complaint received 2022-06-06
Company: EQUIFAX, INC.
State: MS
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 converging account numbers have violated my rights 15 U.S code 1681 602H I have the right to privacy. 

15 U.S code 1681 604A section 2 Consumers can not furnish an account without my written consent. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-06
Company: EQUIFAX, INC.
State: MO
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX : {$2500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
Company: EQUIFAX, INC.
State: NY
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:
In accordance with the Fair Credit Reporting Act, XXXX  account # XXXX is violating my rights. 

15 U.S.C 1681 Section 602 A. states that I have a right to privacy.

15 U.S.C. 1681 Section 604 A. Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: EQUIFAX, INC.
State: TX
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.

The letters are stated with items and issues.

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 2022-09-25
Company: Experian Information Solutions Inc.
State: GA
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:
On XX/XX/2022 I sent documents to Experian and XXXX via certified mail indicating that I was a victim of identity theft and fraud. I very specifically included the following statement, " I am a victim of identity theft. Please see the attached documents relating to this case and completed identity theft affidavit. Also, please refrain from reporting and block all information resulting from this case pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that this information must be removed within four business days of receipt. '' Upon calling XXXX after receiving notification that the documents were received and the dispute was underway, I was told that I had XXXX social security numbers on file, but they verified the information and would not be removing any items from my report. Experian claims to also have validated accuracy, but when I asked both agencies who they spoke with, times, dates and what was said that validated the inaccurate claims on my credit report they were not able to provide an answer. One agent for XXXX stated they used and internal electronic system to verify the information. I again asked that the items be removed as the aforementioned credit companies were violating my rights as a consumer by reporting things that one, do not show up on all three credit reports, two not properly investigating the claims they are asserting against me and lastly for listing different information on each on of my credit reports. The agencies have failed to do due diligence in properly verifying accounts that are listed in properly and are committing fraud by willfully reporting information that is incorrect to parties without my consent.

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 2022-06-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
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:
I co-signed for a car loan with Capital One. The vehicle was traded in on XX/XX/2022 with XXXX XXXX. I have 30 days late showing on my credit and my credit score was reduced by over XXXX points. I contacted Capital One by fax asking them to remove the late payment. In the fax, I talked about the status of the loan on Capital One 's XXXX phone number said the title was released on XX/XX/2022 and the loan was paid off on XX/XX/2022. I don't understand how the title was released before the final payment was received. I have never had any 30 day late payments. I believe the payment was made on time because the title was released on the XXXX. I am wondering if race has something to do with the reporting to the credit Bureau. Capital One denied removing the late payment. I know they have ability to waive or remove the late payment. They just denied my request. I feel like I am being penalized because they have the dates backwards of when the title was released versus the date the loan was paid

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 just got an updated copy of my credit report and noticed a bunch of hard inquiries that I do not recognize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2015-05-12
Company: NATIONSTAR MORTGAGE LLC
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I refinanced my mortgage with Nationstar Mortgage. They gave a XXXX day payoff to my new lender. During the XXXX day period, Nationstar paid the city and county taxes, which were not due until XXXX, 2015. This caused the payoff to be incorrect. Instead of notifying anyone, Nationstar put the monies that was wired to them into a suspense account. I called to make sure the loan was paid off and after about three days of research, Nationstar found the problem. I immediately offered to pay a payment but was told by XXXX different people from Nationstar that this would only complicate the issue. I was assured this would not reflect on my credit in anyway. On XXXX/XXXX/2015 after extensive conversations with my new lender, Nationstar returned the funds to XXXX who then paid the corrected payoff onXX/XX/2015 after substantiating that the wire from Nationstar had cleared. I want allnegative reports regarding past due payments on my loan from Nationstar removed immediately. I did exactly as the represenatives from Nationstar directed me to do. I also paid interest on XXXX loans while my monies set in a suspence account in Nationstar Mortgage account as well as late fees. My credit has been adversely affected because of the actions of Nationstar Mortgage. The representative from Nationstar Mortgage, XXXX XXXX, XXXXXXXXXXXX, agreed to take care of this matter. but has failed to do the appropriate steps to correct this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: Experian Information Solutions Inc.
State: NC
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:
This is my third time contacting you about a IDENTITY THEFT issue that was not handled. 
I am a Victim of Identity Theft FROM YOUR DATA BREACH. My claim number is XXXX. 
There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. 

I am requesting that the reporting of this information be, PERMANENTLY DELETED FROM MY CREDIT REPORT. These Fraudulent-inquiries, accounts and addresses. 

XXXX XXXX  XXXX I also have never worked at XXXX XXXX XXXX nor XXXX XXXXXXXX Nor have I worked at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

I HAVE BEEN TRYING TO DELETE THIS ADDRESS AND YOU ALL WONT LET ME DUE TO THEM BEING CONNECTED TO FRAUDULENT ACCOUNTS THAT WAS OPENED. *** AND PLEASE MAKE SURE THAT MY CREDIT REPORT IS NOT FROZEN OR LOCKED. I HAVE BEEN TRYING TO PULL MY CREDIT SCORE FROM DIFFERENT PLACES THAT OFFER IT FOR FREE BUT COULD NOT. PLEASE DO NOT PLACE AN ALRET ON MY CREDIT REPORT I WILL KEEP AN EYE ON IT. 

By law part of my Compensation approves, Four years of specially negotiated, three-bureau credit monitoring and identity protection services through Experian and an additional six years of one-bureau credit monitoring and identity protection services through XXXX XXXX The Experian monitoring has a comparable retail value of {$24.00} per month and has a number of features that are typically not available in free credit monitoring services offered to the public. ( XXXX XXXX, XXXX ). The one-bureau credit monitoring shall be provided separately by XXXX and not paid for from the settlement. 
A copy of my credit report and The ADDRESSES AND FRAUDULENT ITEMS ARE HIGHLIGHTED on a printed screenshot so theres no confusion about the accounts, addresses & companies that I am disputing. 
DO NOT PLACE A FRAUD ALERT NOR ANY FREEZES ON MY CREDIT REPORT Section 605B of the Fair Credit Reporting Act, which requires you to DELETE the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
Thanks for your help and speedy response, 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 2022-07-23
Company: Jon Barry and Associates, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Didnt receive validation letter from the collection company of this debt either through the mail or electronically before being placed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I had water damage to my property and the insurance company sent me a check for repairs which had to be endorsed by Nationstar and myself. I mailed the check to them immediately and did not receive it back until almost 2 weeks later. they claimed the check was mailed on XX/XX/XXXX when the envelope states XX/XX/XXXX. then they stated in a letter to me ( see all attachments ) that if I did not return the certification document and copy of insurance adjuster 's report within 15 days they would put all additional funds into a restricted escrow account when I do n't even have an escrow account with them. Both documents were faxed to them twice and when I called they claimed they did not receive them. I have a receipt from the fax that they were received by Nationstar.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Sending Equifaxs response to my recent complaint. I submitted a police report along with a identity affidavit for fraudulent inquiries that were not removed from an identity theft case I submitted back in XXXX. The CFPB is supposed to be advocating on my behalf but is allowing Equifax to break the law By the FCRA law, when identity theft is reported the credit bureau is either supposed to suppress the information or delete it. It is not on the victim to report it to every creditor. The credit bureau is supposed to work for the consumer, not the creditor, I provided the information & reported it to them

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05
Company: EQUIFAX, INC.
State: NY
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:
There are items on my report that are not mine. I have disputed this information with the companys and the credit bureau and the information still remains. I would like it removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13
Company: TCF NATIONAL BANK
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Continuous withdrawals from one of my checking accounts from an online travel company names XXXX, whom Ive never heard of til now were taking money from my account starting from XX/XX/2019 thru XX/XX/2019. My daughter left my XXXX  computer at her friends home in which may have led to someone having access to my personal information. I had XXXX  XXXX   attached to my account from my other XXXX  products all being synced together and I believe this is how they ( he or she ) were able to make purchases and or set up online accounts. My bank was informed as soon as I noticed the withdrawals.They issued a refund then soon after reversed the issued amount of credit with no response given as to why. This led to overdrafts as of now from my account. My only part in this situation is not paying enough attention to my balance and transactions at the time of this illegal activity. When the bank submitted my request of fraudulent activity upon investigation and refunded my money I was told to get police documents or any paperwork of proof of anything I could if I can. But of course how could that be possible if everyone is clueless of the incident and not admitting guilt? I have no proof as to who did these transactions. I just know they were unauthorized and no product was exchanged for the money taken. This company has taken my money and I have nothing to show for it, no travel information, tickets, vouchers or anything leading to a trip in exchange for my money. 
Please assist me in re-reversing the money owed to me that I earned and the banks accountability of protection amongst their customers assets as promised. I have never had this happen to me from my own established bank. Ive now been robbed twice and treated unfairly. Your assistance is attentively needed. 

Thank your for your time!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-05
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:
Currently have student loans that are in loan forgiveness but shows on my report as late. From XXXX, and Transunion no score is available for me since XXXX  but Ive been getting denied from lenders due to my score. Ive worked on my score for years and no improvement. Theres something going on with my credit. Please Im requesting an investigation into all 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