BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-27
Company: Brennan & Clark, Ltd., LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This company has repeatedly contacted me for a debt that is the incorrect amount. I have repeatedly requested information from them and informed them that I have information proving the debt is not that amount they have used unprofessional, illegal tactics and emails one email in the very same day stated that I would have five days to pay. Once I stated that I was going to file a complaint for them not following the proper procedures. They sent me an email letting me know that I needed to pay immediately now, which is an intimidation, threats and very much illegal Never once did they request my information or my side for my records based on the reviews on their website and XXXX these are the same tactics that they use they try to identify themselves as a legal team in phone calls previously that Ive had with them

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
A hard inquiry taken to my credit report off of XXXX XXXX that was attributed to Capital One Bank. Someone tried to open a credit with them when I do not bank with them. Resolved the situation by calling them and letting them know it was not me. They shut down the application. This all happened on the XXXX of XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-07
Company: Ditech Financial LLC
State: MO
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I reported an issue with Ditech Financial LLC not refunding money they owed me from overpayment of my loan with it was paid off. The original complaint number was XXXX. They owe me {$1200.00}. They responded to the issue after several weeks claiming that they had issued me a refund on XX/XX/19 with the check number being XXXX. Your company closed the original complaint based on them saying they refunded me, which they didn't. I waited for two weeks but the check never came. I contacted them on XX/XX/19. They insisted they mailed me the check on XX/XX/19 which it is obvious this was a lie. I know they have my correct address because I have received several pieces of mail from them since I paid the loan off, just not my refund. I was told by the customer service representative that I spoke to that they could not help me until XX/XX/19, which would be a month and only if I did not receive the check, which I won't, because they never mailed it out to me. There are several similar complaints to your company on Ditech for the exact same issue I am having. Customers are told they mailed them a check and they never receive it, with Ditech claiming it must have been lost in the mail. I am requesting another complaint be opened up on this matter and Ditech be investigated for fraud. This company apparently is taking people 's money and no one, including this company is helping us, the consumer to do anything about it. Ditech has filed two chapter XXXX bankruptcies in the past 11 months and it seems like number three is on the way. I would greatly appreciate your help in getting this matter resolved and this company investigated for fraud.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: Experian Information Solutions Inc.
State: AZ
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 credit card charged an annual fee. This is second year they have done this. I thought the card was closed. I don't have it or use it. I am a XXXX XXXX so I am not present at home for random mail ( been gone 2 years ). XXXX XXXX apparently charged a XXXX annual fee ( had no knowledge of it ) and added multiple fees ( now up to {$99.00} ) in a week!!! I found out when my credit score while buying a house decreased XXXX points for 30 days late so I quickly tried to call and fix it. 1 week later they reported AGAIN as 60 days late and now {$140.00}. None of this is correct. I paid the {$99.00} immediately after I saw what was going on even though I don't feel as though I owe them a dime. They told me I had to fax a letter why so I did. No response and no one will discuss it they just keep nailing me and now have it as {$58.00} going in 90 days. It's completely wrong and no one will fix it or help me. It destroyed the chance I finally had to purchase a home. Why would they not fix the situation and why is it legal for them to continue with fraudulent information? Please I need help fixing this!! XX/XX/XXXX XXXX points 30 days late. XX/XX/XXXX 2 weeks later XXXX 60 days late. Honestly I feel like it's 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 2023-09-19
Company: SUN WEST MORTGAGE COMPANY, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
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:
On XX/XX/2023 I was charged two times by XXXX XXXX for the amount of XXXX each. I was travelling in California at the time of these fraudulent charges. I was then charged another XXXX  each time on the following dates : XX/XX/XXXX, XXXX, XXXX, and XXXX of 2023. I noticed the charges and report the fraud on XX/XX/XXXX where I was temporarily credited the amounts back and I closed the card in question for safe measures. However the very next day of these fraud reports, CapitalOne banking still allowed another {$99.00} charge on XX/XX/XXXX, which was later temporarily refunded on XX/XX/XXXX. Then they reinstated XXXX of the XXXX XXXX} charges on XX/XX/XXXX, then XXXX last reinstatement of XXXX on XX/XX/XXXX. I have since attempted to work with the XXXX merchant instead and 1 piece of information they have requested is the 16-digit credit card number which neither I nor the bank can provide. After the huge upset of these fraud charges, I shredded and disposed of the card on XX/XX/XXXX. Now the bank states they can not further assist me with these fraudulent charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I had unknown accounts as well as 2 unknown Bks appear on my credit. I was not even aware you could file for bankruptcy twice .... anyway, I disputed the information with the bureaus because I thought it was an error and they merged my file with someone else. However, they verified the information as belonging to me, but its not!!!! 
I went to my local police department and filed a police report and sent that information to TransUnion and they have ignored my dispute and the accounts remain on my credit. 

XXXX XXXX Police Department Case # XXXX FTC Complaint # XXXX XXXX XXXX XXXX XXXX XXXX Court 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 2021-12-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Didn't receive enough information to verify debt BOA info called at XXXX XXXX XXXX XXXX. transferred call to line that hung up. 
XXXX XXXX. 
was unable to accommodate said she was transferring call to supervisor. XXXX hung up at XXXX XXXX XXXX XXXX refused to accommodate then stuck me on hold at XXXX Came back at XXXX discussed until XXXX then put on hold again. 
Came back at XXXX, put me on hold without notice at XXXX Said she could only make a unilateral complaint but refused to keep me in the process. 
Came back at XXXX said she would file complaint but could not accommodate. 
stuck me on hold again without notice at XXXX without any accommodation. 
XXXX she hung up without returning. 

XXXX called back, XXXX XXXX. was rude and refused to accommodate, stopped talking at XXXX came back at XXXX and thanked me for my patience. then was rude again to me and hung upon me at XXXX XXXX XXXX, XXXX, put me on hold at XXXX, came back at XXXX, put me on hold at XXXX, came back at XXXX, ask same questions again. put me on hold at XXXX, XXXX at XXXX said she was putting me on hold again, she said for 2 minutes. 
She came back at XXXX, I asked the date of whatever transactions she was talking about for over 30 minutes she refused to say what I owed them money. at XXXX she transferred the call without notice. 
at XXXX XXXX XXXX XXXX XXXX ) picked up, she then said the bank opened an account for me and then that account was overdrawn. She then transferred to a supervisor in collections. the supervisor refused to accommodate MY XXXX AND TRANSFERRED THE CALL TO XXXX a manager who said she would not discuss accommodating my XXXX was abusive and then hung up on me at XXXX They kept me on the phone for over 4 hours running me in circles refusing to say what any debt was for refusing to say the date I became INDEBTED. They XXXX  the XXXX out of me kept making fun of my conditions and dictating to me what my abilities should be in their eyes. 
From my recordings and documentation and the numbers they provided to me I do not owe them anything. 

XXXX XXXX XXXX i requested supervisor he hung up.

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 monetary relief
Consumer complaint received 2023-08-23
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I requested a security freeze on XX/XX/2020.

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 2021-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have submitted multiple disputes concerning a XXXX account and Transunion continues to close the dispute reporting it was verified as accurate. The original creditor has supplied statements and account information and it directly conflicts with the inaccurate reporting by Transunion. The latest dispute from XX/XX/XXXX shows that the account has not been updated since XX/XX/XXXX and yet claimed verified. I feel that they are not fully looking into this account and contacting the original creditor directly to look further into the dispute and would like to see how it was verified if they claim it is correct even when the original creditor has provided information that states otherwise. The account also does not align with what is being reported by 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 2021-01-13
Company: Cascade Collections, Inc.
State: NC
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:
This book rental was returned but it is reporting to my credit as not returned and showing that I owe a balance. Since I returned the book rental, this should not be reporting to my credit.

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 2020-10-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
In attached Capital One response to several of my Consumer Financial Protection Bureau complaints, Capital One states they no longer have access to payment information. They processed payments in accordance to terms Cardmember Agreement. They also state they found no signs of fraud. Capital One concluded by politely stating they needed additional information and I had not called. 
Capital One can not do a proper fraud investigation without the payment information. Large consecutive payments that continually bounced should be a clue. Processing fraudulent payments is not referenced in Cardmembers agreement. Capital One simply states they found no signs of fraud. I request the details of the fraud investigation. Capital One allowed fraudulent use of card by means of fraudulent payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I filed my side of argument with county clerk and the lawyers that sent me a judgement in in which I was asked to send my answer. I did and now they are saying I have no argument and for the judge to make me pay in full.

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 2021-12-05
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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2021 I received an alert that my credit report was viewed by a company named XXXX 's on XX/XX/2021. This is an unknown company to me so I immediately locked all of my information across all reporting agencies. It took a while to research this company, but it turned out to be an out-of-state mail order shopping magazine. I have never heard of or seen this magazine, let alone applied for credit with them. I called the company and spoke with multiple departments and representatives, and none of them could verify any information, account or credit inquiry using any of my identifiers. They suggested that I dispute it with Equifax since they were the only reporting agency that this inquiry. I disputed this inquiry with Equifax on the same day XX/XX/XXXX. The report came back as factual on XX/XX/2021 and stated that this inquiry would not be removed from my credit report. The report also showed multiple soft checks/promotional account reviews from the same company and its entities ; all different names but under the same company umbrella starting as early as XX/XX/2021. A timeline of checks include : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX ( hard check/credit pull XXXX Again, all of these companies are under the same company umbrella using a mail-order shopping magazine. I called XXXX 's back again and spoke with a supervisor, who again stated he couldn't find any of my information and I should call their credit department directly the next day. I did so and spoke with 2 different reps for over an hour confirming that they had none of my info and no way to know if my credit was pulled from their end. One rep did say that their was a special department for this situation, but I would not be allowed to speak with them and they could've and possibly sent a false verification back to Equifax verifying my info. He stated that he would have their credit department send a a letter to Equifax stating the incorrect verification and confirming that an inquiry was never solicited on my behalf. That letter was obviously never sent, because this inquiry is still on my report today. I disputed the same inquiry on XX/XX/2021 and Equifax resolved the dispute the same day still saying that it is factual. There is no way Equifax could have researched or looked in this incident and still found it factual based on the response of the company. I believe there is fraudulent activity under my name and with both companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: EQUIFAX, INC.
State: MI
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:
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. 

Account name : XXXX  Account XXXX Account name : XXXX Account XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account XXXX has violated my rights. Or list of inquiries 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 non-monetary relief
Consumer complaint received 2023-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I have asked XXXXXXXX XXXX to verify this debt on my account since XXXXXXXX XXXX XXXX An investigation was started on XX/XX/XXXX XXXX XXXX XXXX XXXX has still refused to handle this issue. They have disregarded every right I have as a consumer. My mext steps will be legal action. The debt was deleted from my XXXX report but still remains on my XXXX and Transunion reports. Please view attachments from prior investigation. It has been over 30 and there has been no resolve to my issue yet they keep updating this account on my credit report. IF THIS ACCOUNT IS NOT DELETED IMMEDIATELY I WILL BE TAKING THIS TO COURT. 

1006.34 Notice for validation of debts.

15 U.S. Code 1692g - Validation of debts

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 2023-09-18
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I called XXXX in reference to my student loan status and late payments. I was never late on any loan. I always had my loans deferred or a forbearance. The loan providers was late in processing the information on their end and in return marked my loans late. I want the information corrected. I called the agent with XXXX and she went over my loans. They said when they got the loans transferred it was never reported late from Department of Federal loans. She told me to dispute it up to three times for the Credit bureaus to contact them and verify. All 3 Credit bureaus have not done the dispute process for correcting my reports. The accounts that need correction are as follows : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief