BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-24
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX  XXXX XXXX Date opened : XX/XX/2019 Balance : {$180.00} ; XXXX XXXX XXXX Opened : XX/XX/2019 Balance : {$93.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: Experian Information Solutions Inc.
State: TX
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-09-05
Company: NAVY FEDERAL CREDIT UNION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Account was suspended when I found out fraudulent checks were deposited and removed from the account after I had lost my wallet

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: CAPITAL ONE FINANCIAL CORPORATION
State: CT
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:
Saw television program on XXXX XXXX XXXX offering a XXXXXXXX XXXX XXXXXXXX ( premium brand name ) purse on XXXX/XXXX/2022 and we then went online and purchased a purse for XXXX which we must have pulled a phony webpage that looked exactly like the real page. they sent a very cheap ( plastic purse ) value about two dollars without even the XXXX XXXX XXXXXXXX label. When we called the shopping network to complain they stated they had received numerous calls and were reporting to the local attorney general. I contacted capitalone one to dispute. Apparently they did not send any letters that i needed more information and re-posted the charge. I sent them a photo of the phone item and on package there was a phony address that read something to the effect of address mailed from is not address of merchant. Unfortunately could not contact merchant, capital one was of limited help ( apparently reps in foreign country with little understanding ) .They wanted me to spend more time and effort rather than reversing a charge.Also why would i ask them to cancel that card and request another if i did not feel i had been scammed and someone had my number.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I opened a Saks Fifth Avenue Store Credit Card issued by Capital One on XX/XX/2019. My account was locked by " Saks '' for verification in XXXX so I had to verify myself with photo ID by visiting a local Saks store. After I visited my local Saks store in XXXX, AL, my card was successfully unlocked by showing my ID to the staff. Later my account was locked by " Capital One '' again for verification again in XX/XX/2019. By following their instruction, I faxed them all of the required documents including my SSN, Driver 's License, and my most recent paystub. Later, Capital One still decided to close my account and their reasons are : - Unable to verify personal documents - unable to verify personal data I am okay to get my account closed because it was a very bad experience communicating with them to solve my issue. However, before the card is locked, I placed orders worth over {$20000.00} during a Saks promo event in early XXXX and I made the payment right way in the store to cover those charges but the store canceled most of the orders. Therefore I had - {$15000.00} overpayment on my account before it was blocked and closed by Capital One. When I tried to retrieve this credit in the form of check, Capital One refused and they said the money in this account will be permanently frozen. They said it is because they can't verify my identity and there is no other way to resolve it. I just can't understand how they couldn't verify my identity with all the required documents I provided and just simply took away my money. 

Their Fraud Department manager even made a false statement by saying the money in a closed account will not be returned and this is stated in the Terms of Use, which is not true after I read the full terms of use for this card. The only thing saying about the balance of a closed account is : " If we close or permanently suspend your Account, you must return or destroy all Cards. You must still pay us all amounts you owe on the Account. '' I also attached their terms of use agreement in the attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I am on XXXX leave from work and my Supervisor has contacted me to state that calls repeatedly. Supervisor has a call log showing how often the creditor calls. The call log shows creditors name, telephone number, and time of day that caller calls

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: EQUIFAX, INC.
State: CA
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:
Recently my consumer credit report has been reported improper. These consumer agencies XXXX, Equifax and XXXX are been report my wrongly and there are unnecessary and unfamiliar hard and soft inquiries in my credit record, most especially XXXX. These unrecognized inquiries has hurt my credit scores and records badly, for instance the hard inquiries like follow XXXX XXXX a mortgage company, address XXXX XXXX XXXX # XXXX, XXXX. Date of inquiries, XX/XX/XXXX XXXX XXXX XXXX, Mortgage Reporters, address XXXX XXXX XXXX XXXX XXXX, XXXX. Date of inquiries, XXXX XXXX, XXXX, XXXX XXXX XXXX, Property And Property Management Companies, address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. Date of inquiries XX/XX/XXXX, and XXXX XXXX, ( {$110.00} ) a collection department on behalf of XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. Date XX/XX/XXXX. This debt has been paid. 
In addition, The activities on my credit are not been updated frequently, for instance transactions of 2-3 weeks ago not been updated yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: Convergent Resources, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I don't owe anything to CONVERGENT OUTSOURCING ( Original Creditor : XXXX XXXX ) with account number XXXX. They should have confirmed this from the Original Creditor since I have made my payment to them. Investigate this account thoroughly and make the necessary correction or just remove the account automatically.

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 2023-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I have reached out to all three credit bureaus about the inaccuracy of my report. I have two bankruptcy on my credit profile which is preventing me from obtaining federal employment. Im XXXX, trying to XXXX XXXX XXXX XXXX  XXXX  this has been damaging me for years. Ive sent letters to bankruptcy court and they stated they do not report my information to the three credit bureaus. I reached out to XXXX TransUnion and XXXX they have failed to remove the public record. But they constantly send stall letters after I have asked for a full investigation and removal. This is a nightmare. They have been in violation of the FCRA and CFPB under 15.U.S.C 1681 604 the right to consumer privacy. Please remove this from my credit profile.

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 2021-08-17
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I recently received a wage garnishment from midland funding through a default judgement. There are three issues with this action taken by midland funding which causes the filing of this complaint. 1 The debt was not mine, this can be proven with a police report i made back in 2017 that the credit card was being used without my consent. All midland funding statements reflect on my name because i did open that account, but was later used by my ex girlfriend. 2 The debt was charged off as bad debt, profit and loss write off this is reflected prior to the default judgement and reflected in my credit reports I possessand most importantly this is TAX FRAUD. 3 Midland funding knowingly filed documents in superior courts to obtain the default judgement and directed other entities to garnish my wages.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: Experian Information Solutions 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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 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 explanation
Consumer complaint received 2020-03-22
Company: AES/PHEAA
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I requested a forebearance earlier this year and asked that it be backdated to XX/XX/2019, as I was having some financial issues. Firstly, every time I tried to request it, the website, which is VERY misleading to even pay your bill, would tell me I'm not eligible. I kept trying and kept getting this message. Finally I decided to call them and they said that it was a glitch and j should have called to set it up. So I did, and requested it retroactive XX/XX/2019. But through numerous attempts to contact them and remediate this, I am still nowhere and they are not backdating to XX/XX/2019. I know they do this for many other customers but I am hitting a roadblock and also they reported me 30  days late back in XX/XX/2019. The responses I get are useless and noone has been able to assist and back date the forbearance. This is now 3  months later and still no response which I think is very unprofessional and biased.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
Website not working, app either, i can not apply payment to my loan, customer service says system is down and there is not eta, they told me not check needed since they can not apply it either due system being down, my mortgage payment is due on the XXXX and i can not pay, i also checked my taxes on XXXX website and they havent paid the taxes even though i received an email on the XXXX XXXX saying they would pay it and they are due in 3 days. I wont pay any late payment fees, im scared of having my credit hurt when i never had a single late payment or collection ever, so i wont pay any extra to the county about my taxes or late fee, seems like this is related to a cyber attack but there is a lot of lack of transparency, they removed comments in XXXX, website doesnt load, the email address is not working anymore and now they dont even pick up the phone, suuuuper scary and suspicious! Again taxes due on XX/XX/XXXX and XX/XX/XXXX for my mortgage that i can not pay at all

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 2023-01-19
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I always use my debit card online but there is always fees for everything and I'm tired, wells Fargo never seems to help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: Experian Information Solutions Inc.
State: CA
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:
XXXX on my address on credit report as XXXX it's incorrect I had the XXXX XXXX XXXX to XXXX and it's incorrect on the disputed results report number XXXX XX/XX/202XXXX 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 2023-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 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. 


Account name : XXXX XXXX XXXX Account # : XXXX Account name : XXXX XXXX XXXX Account # : XXXX Account name : XXXX XXXX Account XXXX : XXXX Account name : XXXX XXXX  XXXX Account XXXX : XXXX Account name : XXXX XXXX XXXX XXXX Account # : XXXX Account name : XXXX XXXX XXXX XXXX Account XXXX : XXXX Account name : XXXX XXXX Account # : XXXX Account name XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX Account name : XXXX XXXXXXXX Account # : XXXX Account name : XXXX XXXX Account # : XXXX Account name : XXXX XXXX XXXXXXXX Account XXXX : XXXX Account name : XXXX XXXX XXXX  Account XXXX : XXXX Account name : XXXX XXXX XXXX Account XXXX : XXXX Account name : XXXX XXXX XXXX Account # : XXXX Account name : XXXX XXXX XXXX XXXXXXXX Account XXXX : XXXX Account name : XXXX XXXX XXXX XXXXXXXX Account XXXX : XXXX Account name : XXXX XXXX XXXX XXXX XXXX  Account 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 2022-10-20
Company: SECURITY CREDIT SYSTEMS INC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Once more, I, XXXX XXXX, am submitting this CFPB complaint to contest the data you allegedly have on my credit file. I fell victim to identity theft once more, and I never authorized the charges and transactions with your company. I'm asking you to delete the information in my credit file that you are currently reporting in accordance with the Fair Credit Reporting Act. I don't think I ever signed a contract, and your blatant disregard for federal law is a breach of my legal rights as a consumer. Please get rid of the account that is included on my credit report, as I beg you. 
SECURITY CREDIT SYSTEMS XXXX  Opened XXXX. XXXX, 2021 Balance {$4000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: Experian Information Solutions 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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-22
Company: AMERICAN EXPRESS COMPANY
State: LA
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/XXXX I paid XXXX XXXX  {$87.00} to overnight a package to a XXXX XXXX address. The package was scheduled for delivery on XX/XX/XXXX. On XX/XX/XXXX at XXXX XXXX I called XXXX to inquire where the package was for the package had not been delivered. XXXX stated a delivery attempt was made but no one was home. Someone was the XXXX XXXX address all day. Also XXXX was given instruction no signature was required for the delivery ; therefore the package could have been left at the front door of the residence which happened to be a gated community. XXXX stated that the package would be at one of their stations for pick up the next day. I needed the package on XX/XX/XXXX. XXXX apologized and offered to refund me the overnight delivery fee and that I would need to call them on Monday to request a refund.The package was pick up from a XXXX station, XXXX miles away. 

I called XXXX to request the refund and was told the overnight delivery fee of {$87.00} would be refunded to my AMEX card. A month went by and I still had not received the refund. I called XXXX and they still claimed that the refund had been sent and to contact AMEX. I contacted AMEX and completed a dispute with AMEX around XX/XX/XXXX or XXXX of XXXX. I have not heard from AMEX or XXXX. Looking for my refund from XXXX to be credited to my AMEX card in the amount of {$87.00}. Someone please assist with this matter. 

Sincerely

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-21
Company: Credit Bureau Services Association
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Had a debt collector contact me via mail on XX/XX/2021 stating that I owed < {$20.00} debt to XXXX XXXX XXXX XXXX ( XXXX  ). On XX/XX/2021 I called XXXX to find out why I was turned over to a debt collection agency when I have never received an invoice for the said amount, and have never been inside this building for services. XXXX said that since I went to the ER Now and had xrays performed, this is for the xrays. Even though I had already paid the ER Now invoice for xrays? I asked if I could pay the debt, and XXXX  informed me that there was nothing they could do about the debt. They said that they sent out 2 invoices, yet I have never received one.

Company response to consumer: Closed with explanation