BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I contacted Kohl 's credit card on XXXX/XXXX/2017, managed by Capital One to set up a payment arrangement to prevent my account from closing and going into collections. I set up a verbal payment arrangement to pay the minimum due on XXXX/XXXX/2017. The agent who took my call stated that on that day when I made the payment to call to get the late fees refunded. She also stated she would notate my account of the payment arrangement. I made the minimum payment of {$200.00} on XXXX/XXXX/2017 and I called on XXXX/XXXX/2017 to get the late fees refunded, only to be alerted that my account closed a fee days earlier. I spoke with a Supervisor who was going to pull the call to find out what happened and after not hearing anything for a few days, I messaged Kohl 's via XXXX. I was contacted by XXXX with the " President 's Office '' who stated she was going to pull the call. I called XXXX last week after not hearing anything and I finally heard from her on XXXX/XXXX/2017 and she stated that the agent notating the account of the payment date we discussed was not a payment arrangement and that they were under no obligation to open the account. Also they stated the agent was under no obligation to tell me that my account would be closing before the payment arrangement date. This is unacceptable when I honored the verbal payment arrangement with Kohl 's and even paid a day early.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-04
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
On or about XX/XX/2016 I applied for XXXX equity lines of credit on rental condos from Union Bank, XXXX, CA, office with XXXX XXXX, AVP and Senior Relationship Banker and furnished tax returns and other documents. There were to be no points or closing costs, including no appraisal fee. On XX/XX/2016 he told me he needed XXXX additional documents which I furnished immediately. On XX/XX/2016, he told me he needed an additional document, which I furnished immediately, and at the same time indicated that closing would occur by the end of XX/XX/XXXX. On XX/XX/2016, he told me he needed additional information which I furnished immediately. During the process, he unsuccessfully tried to manipulate me to open an unnecessary savings account. XXXX loan was finally recorded XX/XX/2016, but the other application was declined since Union Bank 's policy is to provide a maximum of XXXX equity lines, and I already had XXXX, which was known to XXXX XXXX up front. I learned of the declination orally around XX/XX/2016 but never received written notification of the decline. ( Does n't ECOA require a declination in writing? ) I informed the processor that I would like to reapply for the loan that was declined, simultaneously cancelling the smaller existing line of credit so that Union Bank 's maximum of XXXX lines will be maintained. The processor informed me that the Branch must affirm that appraisal fee will continue to be waived as in the original application. I visited the Branch on XX/XX/XXXX and left word for the Branch Manager, XXXX XXXX to call me. She did not call nor respond to two voice messages to return my call which I left on XX/XX/XXXX and again this morning.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Hello, Experian is reporting the following information in error I believe and would like it corrected : 1. XXXX, {$240.00}. 
This item was paid directly to the hospital and was to be removed as an error per XXXX in Hospital Billing. 

2. Account XXXX - {$780.00} XXXX that account as to reflect {$0.00} status as agreed. Item still being provided via my consumer report in error. 

3. XXXX Account is current and paid as agreed. 

4. XXXX Account is current and paid as agreed.

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 2023-08-24
Company: Experian Information Solutions Inc.
State: PA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-04-13
Company: Merchants Acceptance Corp
State: FL
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 received a response form the company Merchants Acceptance about an account reporting on my consumer file. I ask for validation of debt. I received a printout of a contract with a generated signature. After further study of the documents, the signing of these documents was done in XXXX Florida, and I am a resident in XXXX fl. the address on the contract was an old address where I have been reported identity theft. The alert is still on my file today. the company 's argument is that the email address that they have for me is the main email address on my consumer file. That is not proof that this debt belongs to me. Also, with the continuing increase of the balance on the account, the company argues that in the contract it states that they are allowed to add interest to a charged off account, however by law if this account is mines i should be receiving statements of the changes being made on the account if it's still open and or charged off. I have not received any statements or information on this company until i started my dispute. Also, if my email is their arguing point i should have been informed in that manner at least, but again I revived nothing but a computer-generated contract that does not have my signature. I would have had to be in person to sign this contract, my email address is not proof. There is also no comply of my id, I should have had to prove my identify in some way doing a contracted sell. The account is also still reporting inaccurate information as to the status of the account, the account can not be open, closed and charged off, with different balances. Again, I have no knowledge of this account or contract with this company and i will pursue further actions. The contract also states that the buyer is approved upon a credit check, the contract does not list my social or even the last four, how was this approval granted? there are no inquiries that I could find from this company on my credit report. this debt is not validated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19
Company: Experian Information Solutions Inc.
State: NY
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:
Representatives at XXXX  XXXX sold account ( XXXX ) to Account Purchaser : XXXX XXXX XXXX, XXXX on XX/XX/2017. The methods used by XXXX XXXX XXXX, XXXX were threatening, intimidating, and harrassing. Complaint ID numbers XXXX, XXXX, XXXX, XXXX, XXXX, was submitted via Consumer Financial Protection Bureau. 
12 CFR 226.13 ( a ) : XXXX  XXXX Services violated the Fair Credit Billing Act by refusing to acknowlede the dispute within XXXX ( XXXX ) days pursuant to 15 USC 1666 ( a ) ( XXXX ) ( A ). XXXX XXXX XXXX XXXX XXXX refused to provide written explanations or reports following investigations pursuant to 15 USC 1666 ( a ) ( XXXX ) ( B ) ( XXXX ) ; refused to produce documenation as evidence within 90 days pursuant to 15 USC 1666 ( a ) ( XXXX ) ( B ) ( XXXX ) ; added restrictions to the account a total of ( XXXX ) XXXX times pending a resolution pursuant to 15 USC 1666 ( d ). 
FAIR CREDIT BILLING ACT VIOLATIONS include : 12 CFR 226.13 ( d ) ( 1 ), 15 USC 1640 ( a ) ( 1 ) & ( 2 ), 15 USC 1611 ( XXXX ) & ( XXXX ). XXXX XXXX received private negotiable instruments, also referred to as transation credits, from XXXX XXXX XXXX in the approximate amount of the alleged debt plus additional payments resulting in a bank liability. Consequently, there is no debt on the account and the claim was disputed. XXXX XXXX XXXX XXXX has been denied credit lines, business loans, personal loans over XXXX times since XXXX due to XXXX XXXX  errors, libel and slander causing hundreds of thousands of dollars in damage.

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 2022-02-24
Company: EQUIFAX, INC.
State: FL
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:
My name is XXXX XXXX, There is no third party involved. I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
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: Account status incorrect

Complaint:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over XXXX XXXX XXXX, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2022-02-24
Company: Law Office of Harris & Zide
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is a debt on a XXXX  XXXX account that charged me various insufficient fund fees on the same day. Even up to three charges per a single transaction. They then closed and sold their debt around to some collectors. XXXX  XXXX has been defunct since XXXX and we are in XXXX and this debt collector is still coming for me. This should of fell off after seven years and this firm, who bought the debt, has tried calling me without giving me information as they give the disclaimer that they are recording. Then when asked what it is about they do not inform me anything but want my personal information which I am not handing over private sensitive information like my address or social security number over the phone. It is now at year 14 and this debt collector insist that this is owed to them. They do tactics to speak to you to reactivate the terms of the claim. I have been silent on them but can not take any more letters, calls, or anything of that sort. Even trying to settle how do I know that will be used to pay off this. The original amount was under XXXX USD and they have no back-up evidence on what was owed then, but have piled interest upon interest to get a payment. Firms like this really prey on people in debt. Again XXXX  XXXX has ceased to operate since XXXX and 14 years later these guys at Harris And Zide are looking for a payment on something the bank already wrote off at the time it cease to operate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
My name is XXXX XXXX and my social is XXXX. I've now called Equifax'es call center at least five times to resolve an NH ( no history ) code that prevents me or anyone else from being able to pull my credit report and scores. I searched for this code on XXXX and it appears that this is related to a credit report freeze and fraud alert that's keeping my information from reporting. I've faxed them all of the information that's required to lift the freeze five times now with confirmation and they have acknowledged several times that the freeze was being lifted and it's been over a month. I am hoping that you can help me resolve this issue because it's legitimately keeping me from buying a house.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: World Acceptance Corporation
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have learned that World Finance XXXX owns the referenced debt and is responsible for the credit reporting. 

I did not receive notice of the debt being sold. 

The FCRA requires that industry to report your consumer credit information in a fair, timely, and accurate manner. 

This account is not timely as the last reporting dates XXXX, 2019. In addition, the balance is incorrect. 

I request that if World Finance XXXX is going to report this account onto my consumer report then it is reporting timely, verifiable, and accurate as the FCRA states.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: Capio Partners, LLC
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have a duplicate debt reported on my credit report. It has already been reported on my credit report, and this new collection company, keeps reporting the same debt thats already on my credit report. Same debt, just a different collection company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-03
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Wells Fargo foreclosed on my home & the courts have sent me a letter indicating that the actions were within the bank 's right. I 'm being forced out of my home where i 've lived for 16 yrs with my late husband of 30 yrs. My husband passed away 2 yrs ago XXXX XXXX, XXXX. I 'd taken total care of him here at home for almost 7 yrs due to XXXX caused by XXXX XXXX XXXX in XXXX. He had a reverse mortgage & I am his spouse without any options for shelter! I 'm almost XXXX yrs old & I suffered a XXXX as he lay XXXX in the hospital 2 yrs ago.Pls Pls Help Me!!! We were a dignified family who worked extraordinarily hard for our family. My XXXX did business with XXXX XXXX, XXXX XXXX XXXX & other notables such as XXXX XXXX XXXX XXXX formerly of XXXX XXXX Bank. Something is very unethical about this process. I do not feel that anyone attempted to assist me in keeping my home. I have a right to maintain my home & dignity. My health declined tremendously after his death. Attached is a copy of the order from the courts. I 've been trying to secure relocation assistance from XXXX but have only been offered {$1000.00}. I 've lived in the area for over 40 yrs & I do not want to ever leave. I believe that my current President would not agree with such actions against someone who worked so hard to build businesses. I feel victimized & discarded. I 'm born & bred in America. My husband was XXXX. I own nothing anymore!!! Pls help me to keep my home! I am just beginning to come out of the worst nightmare of my life! Thank You. XXXX XXXX XXXX Case number : XXXX from the XXXX Court 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 2015-09-23
Company: Credit Collections U.S.A., L.L.C.
State: WV
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Received credit report and noticed that an account was turned over to collections. I was shocked and appalled. Do not recognize this account. However I do recognized XXXX XXXX XXXX XXXX of XXXX. Services were provided in 2013. I never received any notices that bill was past due. I also felt that XXXX XXXX XXXX XXXX XXXX XXXX was to have filed a claim on my behalf in accordance with MEDICARE procedures. I checked with MEDICARE and was informed that they show no records of any claims in the amount of {$850.00}. XXXX stated that in order to process bill, I must completed the XXXX form and return along with the bill. No correspondence ever received stating that claim had been denied. Lead to believe that bill had been processed. Feels like I am getting the run around and am being penalized for the non-actions of others.

Company response to consumer: Untimely response
Consumer complaint received 2021-05-20
Company: FEDChex Recovery, LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
No information, dates amounts or other wise have been disclosed in writing about this debt. This is an attempt to collect owed money for two text books from what I recall. When the debt was in my account I prior to being sent to collections it showed as a negative in my student finances. Around the time of the negative charge I had a scholarship applied to my account of a few hundred dollars from my school, creating a wash out and covering the charge. After that I was contacted via email about the collection ( no calls or letters ) in attempts to get payment. I submit documentation of my applied scholarship and no negative charges or balance dues on the account to no avail. This was on XX/XX/21. The most recent reply from them was this month on XX/XX/21 almost three months later. They gave me a 10 day notice for more documentation and I requested a detail of the debt in writing, it is a week later and no reply. Can I get this debt cleared altogether for the lack of communication and never receiving certified mail from them?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08
Company: Filings and Claims Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
I received a voicemail telling me to call back XXXX otherwise they would send my information to the DA for XXXX criminal acts.

Company response to consumer: Untimely response
Consumer complaint received 2016-10-05
Company: United Check Recovery, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
Was called on my cell phone stating they had paperwork in order too sue on their desk. Also has called my phone 24 hrs later asking for my husband. I spoke to them on the phone stating that i did not know anything about this and I refused to give them anymore information. The person said then we will sue you.They also are claiming to sue my husband. It is my understanding that I am to be notified in mail if there is a pending suit, not by phone.

Company response to consumer: Untimely response
Consumer complaint received 2016-03-03
Company: P&B Capital Group, LLC
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I spoke with a collection company called XXXX XXXX XXXX XXXX XXXX XXXX in regards to an old account that was under my ex wife, we came to a settlement to avoid damage on my credit, My credit card company blocked transaction as fraud charge. 
Collection company called me yesterday during works hours i asked to please call me after work which they do not did. Today after the first phone call during work hours i told Capital group to call me at better time a representive from this company started threated me bad with abusive language saying that im hiding to not paid this charges that im a fraud person, saying that i better take care this balance, i ended up hangup the phone. 
He decided to call me at least 10 times after i was clear that i cant talk during work hours. 
This could cost my job and i dont feel comfortable with a company like this having my private information and constantly harrasement over the phone.

Company response to consumer: Untimely response
Consumer complaint received 2017-03-25
Company: CREDIT ACCEPTANCE CORPORATION
State: MO
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On Saturday XX/XX/2017 I received multiple phone calls from Credit Acceptance in an attempt to collect the debt I owed them. They called at XXXX, XXXX and XXXX. When I called to ask them to stop calling I was told that they would continue to call until I set up a payment plan. This is n't the first time they 've harassed me and it is n't the first time I 've asked them to stop.

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