BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-10
Company: Designed Receivable Solutions, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Designed Receivables Solutions is incorrectly reporting two medical accounts on my credit report as being in collections. They are designated as on my credit reports as XXXX. 

For two reasons, these two accounts fall under the new rule that went into effect XX/XX/2017 regarding medical accounts. ( 1 ) both accounts were incorrectly billed by the original creditor, and as a result were initially not correctly covered by my health insurance company for the correct amounts. Accordingly, I disputed the accounts. An audit process was initiated by the original creditor ( XXXX-XXXX XXXX XXXX ), with the result that additional insurance adjustments were made on the two accounts, and then the remaining balances for both accounts were immediately paid down to XXXX -- ALL PAID DIRECTLY TO THE ORIGINAL CREDITOR XXXX, NOT THE DEBT COLLECTOR DESIGNED RECEIVABLES SOLUTIONS. ( 2 ) During the dispute and audit process, the original creditor had assigned the two accounts to debt collector Designed Receivables Solutions, and Designed Receivables Solutions reported the accounts as unpaid to XXXX, XXXX, and XXXX, even though the accounts were in the process of dispute and internal audit by the original creditor and should not have been reported during that period -- pending correction and resolution. 

Now that the two accounts ' billing details have been corrected by original creditor XXXX-XXXX, and XXXX XXXX has been paid in full, Designed Receivable Solutions still reports the accounts as in collection to the credit reporting agencies, but with updated information regarding the two accounts to show them as " paid '' with a XXXX balance. That is, instead of ensuring that they were deleted from my XXXX, XXXX and XXXX credit reports. That is not correct, according to the 2017 FCRA rule. Both medical accounts should be deleted, rather than penalizing me for errors made by the original creditor that were later corrected and resulted in the accounts being paid to the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04
Company: Experian Information Solutions Inc.
State: WV
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:
There are many mistakes appear in my report without my understanding.

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 2023-03-12
Company: NAVY FEDERAL CREDIT UNION
State: DC
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 received a letter stating that it was in reference to a telephone conversation with a representative that did not occur with me. The letter states " Consumer loan information continues to appear on line for approximately 90 days from payoff date of the loan. A loan will also appear on your monthly lending bills until it is automatically purged from their system. At this time, we do not have a tentative date as to when the next purge will occur. '' Signed Sincerely, XXXX XXXX XXXX Navy Federal Credit Union I have no idea why I received this letter. I have no loans with this organization and have not had any type of loans for over XXXX years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: I.C. System, Inc.
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I just saw on XXXX that IC systems is listed as collections for XXXX XXXX This debt is unverified. I have had this issue with the same company before. Last time it took me six years for them to remove it. They keep reporting unverified debt.

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 2023-06-06
Company: Early Warning Services, LLC
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I closed both of my XXXX XXXX XXXXXXXX account on XX/XX/2014 On my Early Warning report bank reports " Consumer Removal Date XX/XX/2014 The phone number on the bank reports doesn't belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
CAPITAL ONE and XXXX are obligated by the Privacy Act of 1974 to balance the need to maintain my information with my rights to be protected against unwarranted invasions of my privacy. CAPITAL ONE disclosed my nonpublic personal information to a nonaffiliated third party and did not provide a clear and conspicuous revised notice that accurately describes their policies and practices. CAPITAL ONE did not provide an opt out notice nor did they give me a reasonable opportunity before the information was disclosed to opt out of the disclosure ( 16 CFR 313.4-10 ). CAPITAL ONE and XXXX are liable under the SEC to follow certain rules. CAPITAL ONE XXXX file number XXXX. The XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX ( XXXX ). In addition to this complaint, I will be filing a form XXXX treasury omb forms to have my consumer account audited. I am aware that XXXX is securitizing my consumer data, but continues to break the law by sharing my data with third party companies like XXXX, XXXX XXXX, and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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:
XX/XX/XXXX I spoke to senior rep and asked about three letters I recieved XX/XX/XXXX. NO AVAIL See attatched letters. XX/XX/XXXX. {$120.00}. transaction date XX/XX/XXXX says THE CREDIITS WE DEPOSITED AT THE BEGINNING OF THE INVESTIGATION * HAVE BEEN REVERSED. XX/XX/XXXX, {$210.00}. transaction date XX/XX/XXXX says same. Both of these were returned items Merchants credited IMMEADTELY before statement XX/XX/XXXX closing date. There NEVER WERE ANY USAA CREDITS none were needed. Both these letters are missing claim date and note the top wording they are not called CREDIT CARD FRAUD CLAIM either. XX/XX/XXXX letter. 
CREDIT CARD FRAUD CLAIM for {$470.00} GIVES CLAIM DATE XX/XX/XXXX. I CONFIRMED I REPORTED XX/XX/XXXX CHARGES OF {$470.00} FRAUD. There are NO PERMANET USAA CREDITS AS THIS LETTER SAYS AND IT IS FRAUD. NO CREDITS FROM USAA TO COVER FRAUDS. USAA CLAIMS NO FRAUD REPORTED. Why thousands of credit reversals IF NO FRAUD REPORTED? Credit Reversals begin XX/XX/XXXX. I demand {$100.00}, XXXX check mailed to me to cover my financial loss + interest of being held liable for fraud since XX/XX/XXXX. USAA DESTROYED MY CREDIT. I WILL NEED THIS MONEY TO REBUILT WHAT THEY DESTROYED. I USED TO HAVE EXCELLENT CREDIT SCORE. My health has also been effected by USAA ATTITUDE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: Experian Information Solutions Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I was on a vacation trip with family and lost my wallet on the ground at XXXX XXXX, and ever since then i have been dealing with fraudulent issues.

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 2023-08-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
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:
There were 3 charges on my CapitalOne/Walmart Mastercard that I did not make nor did I authorize anyone to make.The dates of said charges XXXX, XX/XX/XXXX and XX/XX/XXXX, the amounts were exactly the same on each charge, that being {$300.00}, for a total of {$910.00}. I notified XXXX XXXX, within 24hrs, via phone, once i observed these charges. Each time I was advised that they would investigate and advise and it could take up to 90 days to complete the investigation. I was given a reference number of XXXX which refers to the store the charges were made at, which turnes out to be Walmart in XXXX, Oregon. Also, one of the customer service people told me it also refers to what was purchased, which he said were tennis rackets from XXXX XXXX, Qatari phone # XXXX. Eventually, I filed a police report with XXXX XXXX XXXX XXXX, Deputy XXXX XXXX XXXX XXXX. He advised that due to this being international ( XXXX  ) they were unable to investigate and suggested I contact CFPB, this occurred on XX/XX/XXXX. 
On XX/XX/XXXX, at XXXX, I again contacted CapitalOne fraud department asking what the outcome of the investigation was. I spoke with XXXX who transferred me to XXXX at XXXX. She stated she would open a new case, I was to destroy my current M/C and a new one would be sent and a credit would be issued for the {$910.00}. Case # XXXX was assigned by XXXX. Within an hour I received 3 emails from CapitalOne, ( all three are attached to this complaint, in addition a second page of each email included the XXXX unauthorized charges and merchant name ) On XX/XX/XXXX at XXXX I once again contacted CapitalOne asking why the fraudulent charges had not yet been credited to my account and spoke with XXXX XXXX who would transfer me to XXXX XXXX XXXX, she then transferred me to XXXX XXXX XXXX XXXX who transferred me to XXXX. I was advised by XXXX that the charges were valid and no credit would be issued! I asked why, then, had I also received an email stating the charges were fraudulent and I would be issued the credit. She couldnt answer that question and put me on hold. I waited 45 minutes on the phone then disconnected. 
Please help me as Im XXXX yrs old and live on a fixed income, this event has me devastated and fearful I will be cheated out of {$900.00} I dont have. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: Valley Collection Service, 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:
On XX/XX/XXXX I spoke with XXXX at Valley Collections regarding the validity of the utility bill as I was trying to recall what occurred from when I moved out of a home at XXXX XXXX XXXX XXXX XXXX XXXX XXXX the amount was over {$2500.00} I had utilities with XXXX in XXXX and with XXXX  XXXX XXXX. I was confused on this bill that appeared on my credit. I have called several times speaking with Valley Collections  to resolve this. 

XXXX informed me to settle this account with XXXX XXXX XXXX their client. I called XXXX went over the account with her and informed her I had a move out date of XX/XX/XXXX. I am trying to determine the validity of the debt and what occurred. That I would like to settle this debt based on my circumstances. 

She said that I have to discuss a settlement for the debt with Valley Collections if they agree to do this. I called XXXX back today XX/XX/XXXX at Valley Collections was informed it would be XXXX XXXX XXXX the client to approve. She said she did send over my letter for the debt validation to them and the offer I made. She did not get a response. 

XXXX asked I send the proof of my move out date and the settlement offer letter to her email. She will again send this over to XXXX XXXX  XXXX to see if they approve she said if they accept the offer they can agree to take the payment for the {$1600.00} I offered. 

In review of my bill the average is XXXX XXXX {$40.00} per month for a sewer at the time I lived at the residence. I was charged past my move out dates with any recollection I do not know what happened. XXXX XXXX  XXXX continue to charge me from XXXX of XXXX XXXX. 

I have been sent from Valley collections to XXXXXXXX XXXX XXXXXXXX back and forth several times while trying to find a resolution. 

I have attached emails, letters, and the proof of my move out dates.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13
Company: EQUIFAX, INC.
State: AR
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:
XX/XX/XXXX, I received a letter stating an account had been open with my social security number in XX/XX/XXXX. I had been in the hospital all through XX/XX/XXXX until XXXX  XX/XX/XXXX. The accounts continued all throughout XX/XX/XXXX and continued to receive letters every month. My name, social security, old home address and new home address where used. All the accounts showing on my credit report do no belong to me. Please remove the items. 

XXXX XXXX XXXX {$4600.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4600.00} XXXX/XXXX   XXXX {$3500.00} XXXX XXXX XXXX XXXX {$8100.00} XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX XXXX {$17000.00} US DEPT OF EDXXXX XXXX {$4800.00} US DEPT OF EDXXXX XXXX {$4700.00} XXXX XXXX XXXX XXXX {$3600.00} XXXX XXXX XXXX XXXX  XXXX XXXX   XXXX {$420.00} XXXX XXXX XXXX XXXX-XXXXXXXXXXXXXX {$420.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24
Company: CarMax, Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XXXX, XXXX I bought a car form CarMax, in XXXX, CA. 
They arranged for the financing, and while I was the office I was given a financing offer. 
Then 2 days later the sales person called me and told me that they now needed an additional down payment in order to keep the interest rate as low as it was. I told the sales person that I didn't have additional money, and he then told me that interest rate was going to go up. 

I was XXXX years old and didn't know better, so I thought what they were doing was normal. I made my payments on time until XXXX, XXXX, and then I was unable to keep up with them. I called them and asked them if they could give me the deal they had given me at first, try to do something to help me stay current with my payments, but I never heard back from anyone. Instead, the collection department was calling my phone, non-stop, harassing me to get me to make the payments. 
I was so scared that they were going to take me to jail, like they said, so I went and dropped off the car back, thinking that would solve the problem. Now I have a bad report for that account on my credit, because of that. I am a single parent, and I struggle so much, trying to secure housing because of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
inaccurate information on credit report several different names must remove if reports are not 100 % accurate

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 2022-12-22
Company: AXOS FINANCIAL, INC.
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I started to try and close my account on XX/XX/22 by sending a secure email via Axos online Business secure message portal. I received a response telling me I need to complete a transfer or a wire. There is no where on the website where these actions can be performed so I called. Each time I am redirected to phone representatives who tell me I have to use the secure message portal. When I explain the problem with the portal I am told someone will send me a message and no one ever does. I am at my wits end and can not access my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: EQUIFAX, INC.
State: WA
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 submitted an FTC report and XXXX letter to Equifax on XX/XX/XXXX requesting to remove the following inquiry : - Bank Name : XXXX XXXX XXXX XXXX - Date of inquiry : XXXX It was received on XX/XX/XXXX. They told me to file another report with the name of the bank that removed the inquiry. This information is already in my FTC report submitted online. It is also included in my XXXX letter, attached. The inquiries listed in the FTC report are not included in the printout at the end under any circumstance because there is not a field for it. They refused to remove them for this reason, which doesn't make any sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Capital One Credit failed to send me several statements. 

I contacted their customer service several times beginning in XXXX of 2019 to attempt to update my address and request paper statements. 

They repeatedly refused, saying their system was down, or they were unable to assist me at this time. 

After several months, they did not even say this, and instead say they were blocking my account unless I get a driver 's license. 

I asked if regular government issued ID would work, but they said no, it has to be a driver 's license. I asked " Why, I'm not trying to rent a car? '' I was told they have some new policy where you have to have a driver 's license to validate credit. 

I asked if I could get a letter about the policy, but was refused, and was told that's not something they do to provide information for cardholders. 
I asked who they would provide information to regarding the new policy, do I ask a government regulator or a journalist or someone? 
I was informed by the customer service manager, that they don't know who they would share ( the? ) information with, only that it's not to be shared with cardholders. 

My cardholder agreement, does not say anything about needing a license to drive in order to qualify for credit. 

It is unclear if this is some new form of economic discrimination for all account holders, or if it is a specific additional burden being placed on my account. Customer service has been less than forthcoming with any details for me these last 7 months. 

I have been waiting for the result of a disputed transaction from XX/XX/2019. As it has been nearly a full 30 days since the dispute was made using the Capital One dot com website, I should have access to the resolution of the dispute. However I have been unable to obtain this information. 

I have tried 6 of the contact phone numbers for Capital One, their email customer service, their social media team, their website 's live chat, and their third party operator 's service for their corporate switchboard. 

After nearly 7 months of effort, I am still no closer to resolving my concerns. 
I was told today by one of their customer service center managers, that there is no higher level of escalation that talks to customers, and that there is no longer any executive customer service team to speak to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: Experian Information Solutions Inc.
State: AZ
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:
On XX/XX/XXXX, I contacted Experian about the following incorrect information on my credit report. To this date, they have not responded. 


The following account was never late : XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1700.00} ). Please correct/update this inaccurate information on my credit report. 
The following account was never late : XXXX XXXX XXXX XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$670.00} ). Please correct this inaccurate information on my credit report. 
The following account is not mine : XXXX XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$950.00} ). Please remove it from my credit report.

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