BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
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:
On Thursday XX/XX/XXXX capital one contacted me and unrestricted my account adjusted my balance but when i asked about the interest that was charged on my account for the XXXX weeks the balance was doubled from XXXX to XXXX they refused to give an answer. The rep then stated he closed my previous complaint but neglected to inform me that he opened a new one and restricted my account again. Gave no reason for the new case and requested I send identification documents drivers license proof of address bank, social security card statements and utility bills to an email upload request that doesnt state how they will ensure that my privacy and information will be secured and with al they security breaches they leave me subject to more fraud as my personal documents are being sent into an unknown location to an unknown person with no reason for why they require so many personal documents that are typically not shared even for a home mortgage. I gave the documents and he stated ill have to go back to waiting another 7-10 days for a response or next steps. My account was restricted for a new case no reason given and I cant stop auto pay or adjust payments, so no resolution was achieved yet the case was closed. Capital one appears to have done this to make the previous complaint go away even though they did not fix the problem or address the reason for the restriction. This is the 4th time I have called them in the last 8 weeks and each time a rep says someone will contact you in 5-7 day and no one ever calls back. They returned my call do to address my complaint but then closed the case and opened another case to continue to play games with the system and timelines to response to customer inquiries. They opened a new case to make themselves compliant with timeframes but they actually are not resolving the issue or abiding by their terms for disputes. THe restricition is just a way for capital one to force me to pay high interest rate for more than a year as i am unable to payoff the balance or do anything to the account and that is an unfair lending practice and then they make themselves unavailable so they can get away with it and play with dispute timeframes to continue to rack up interest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-02
Company: CREDIT ACCEPTANCE CORPORATION
State: MD
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 mailed certified letters on XX/XX/2020 & XX/XX/2020 to the following companies and creditors regarding a disputed item on my credit reports : 1. Credit Acceptance Corporation XXXX mailed XX/XX/2020 2. XXXX XXXX - mailed XX/XX/2020 3.XXXX  - mailed XX/XX/2020 4. XXXX  - mailed XX/XX/2020 5. XXXX - mailed XX/XX/2020 The disputed item is reported as a repossession on all ( 3 ) credit bureaus. I sent a letter to the original creditor and car dealership where the vehicle was reportedly purchased from. By law ( FCRA ) they have 15 days to respond. They have not responded date.

I mailed certified letters to all ( 3 ) credit bureaus advising them that I am disputing the repossession that is being reported. I explicitly the method of verification pursuant to the FCRA, including the name of the person with whom you spoke, who has first-hand knowledge of the account in question. 

I called XXXX  on XX/XX/XXXX to follow up on the dispute. They advised me that the account was verified and that they would send me the method of verification in the mail. They did not send the method of verification pursuant to the FCRA ; they simply sent a normal dispute notice stating that the account was verified. 

I have attached the following letters to the case : 1. Dispute letter to CAC 2. Dispute letter to XXXX XXXX 3. Dispute letter to XXXX  4. Dispute letter to XXXX  5. Dispute letter to XXXX 6. Response received from XXXX that does not include the method of verification required by the FCRA. 
7. Certified Letter Confirmation Numbers

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 2023-10-18
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2022-11-30
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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I've talked to the bank & they've agreed to update the accounts. BUT XXXX has some internal block which they're claiming they can use to not update the account because they feel they're above the law. When questioned why they're not accepting the dispute letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Dispute letter ( which is a FEDERAL LAW ). So XXXX feels they're above the letter of the law & will not explain their policy... I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the XXXX credit bureau to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Date Opened : XX/XX/2021 Balance : {$2300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: EQUIFAX, INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Equifax has this listed on my credit report. No contact information for the collection agency. Just derogatory. I have no knowledge of this amount and dont have this listed debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13
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: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account number XXXX has violated my rights. 
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.

4 U.S.C 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as for any purpose.

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 2020-04-09
Company: SYNCHRONY FINANCIAL
State: CO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I have attempted several times to set up auto pay for this Amazon / Synchrony Bank store credit card. I was not successful apparently and the XX/XX/2020 payment was not automatically taken out of my bank account. I received no notice from Amazon/ Synchrony Bank and only became aware of the missed payment while checking my credit score on XXXX XXXX. I have made multiple disputes to the creditor and credit bureaus. Amazon/ Synchrony Bank refuses to remove the negative remark from my credit report despite having on time payments prior. Since the dispute I have paid the account in full. I want this mark removed as the payment error was through no fault of my own but rather an error on their auto pay feature. Thank you.

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 2018-06-05
Company: EQUIFAX, INC.
State: TN
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 went online and call all three major credit bureaus XXXX Equifax, XXXX XXXX XXXX XXXX about multiple inquiries on my account that i did not authorize. They refuse to look into or remove these inquiries alot of these were made i believe when i purchased a new car and did not give authorization to pull my credit multiple times. Also XXXX refuses to remove an account that is in litigation due to fraudulent charges and damage to personal property with XXXX XXXX systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12
Company: T.S. Holdings
State: DE
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 after XXXX we were called by XXXX XXXX requesting for us to make a payment of an alleged damaged that they claim we did. We made clear to them that those damages ( picture of damages attached ) were not made by us and that we were not intended of making any sort of payment. They said that if a payment was not made that they were going to report us to collection. That was the end of that phone call. Days after the call with XXXX  XXXX in which we made clear that those damages were not made by us and that we weren't planning on paying, they decided to call not only me, but my husband and my daughters requesting for us to make a payment. One that was never made and led this to reach collection. 
The first letter received by I.Q Data International Inc. was on XX/XX/XXXX ( letter attached ). On that letter they included the amount that was being reported, one of {$1200.00} with a {$31.00} of interest with a total of {$1200.00}. Same letter provided a section ( no longer on the attachment ) to cut and send back. On that part we selected that we were disputing the charges and requesting more information. ( Attached letter send to them disputing the charges ) The letter was send on XX/XX/XXXX at XXXX and according to the tracking number the letter arrived to the destination on XX/XX/XXXX at XXXX. Almost a month later we receive a second letter from them ( letter attached ) on XX/XX/XXXX in which they are requesting a payment. Ignoring and disregarding completely the letter that we sent that we were disputing the charge. They did not only ignored our petition but failed to respond on a timely manner and did not provide any proof and verification of the debt. Not only that but I.Q International Inc charged us more interest, than the first letter, with a total now of {$1200.00}. At this point it seems that they are not willing to take us serious and that they won't provide the minimum to confirm such debt that they claim were made by us.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-29
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am beyond exhausted trying to have this problem solved with this company called XXXX XXXX XXXX in connection to XXXX XXXX XXXX. XXXX XXXX XXXX has been calling me threatening me and harassing me regarding a debt I had no knowledge of. After doing extensive research with the hospital I discovered that this debt that they are oppressive about and verbally abusing me for is an account for my underage daughter. ( Under XXXX years old ) This debt that they are claiming that I owe I had insurance that covered that medical visit. XXXX XXXX XXXX has called my workplace, my child 's School Camp, my neighbors and references that were listed on our medical sheet!!! They have called everyone who we'd known at this point except our family pet dog. At this hospital visit I sign a HIPAA form Privacy Act document. XXXX XXXX XXXX has violated our family rights in so many ways that we're ready to sue. At this point this is my last attempt to have this resolved and closed and removed off of my credit reports. I need XXXX XXXX XXXX to provide me the coordination of benefits sheets that provides all the procedure codes and the XXXX code sheet with an original signed document from me the parent of an under-aged child method of verification for this debt. I have currently opened disputes with all the credit bureaus regarding this collection that they have reported falsely on my credit report. I have filed complaints with the FTC and the Better Business Bureau about this and openly willing to share this experience with the media regarding this false reporting. I've called them on several occasions to resolve this and all they have done is yelled at me and oppressed me. I requested that they cease and desist the phone calls and letters they've been sending uncontrollably and they have violated my rights by continuing to communicate with me and this has made my child miserable!! Should they not remove this off of my credit reports I will sue for defamation, Financial injury, and willful injury under the FCRA section 623. I have supporting documents and proof where they violated my rights which I can sue under the fdcpa section 805 ( C ) regarding my cease-and-desist letter. XXXX XXXX XXXX   needs to immediately delete and remove this collection account off of my credit reports otherwise I will move forward with taking legal action against them. XXXX XXXX XXXX also doesn't own this debt and have also violated under the credit laws which were updated XX/XX/2018 regarding Medical collections under the HIPAA Privacy Act. 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 2018-07-30
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have a loan with WFHM. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and WFHM with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX - XX/XX/XXXX / XX/XX/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 2022-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to delete the following information in my file. The items i need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the federal trade commission identity theft affidavit. Please delete the items as soon as possible.

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 2020-04-09
Company: Experian Information Solutions Inc.
State: MD
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:
I am rebuilding my credit and paying my bills on time. I only have one open thing on my credit report account and I am trying to buy a home. The real estate company stated I only need to have a credit of XXXX as a first time home buyer. 

https : XXXX XXXX loan changes that were rolled out in XXXX are in effect in XXXX. According to XXXX XXXX, more lower-credit FHA applicants are being approved. In XX/XX/XXXX, only 19 % of closed FHA loans were for applicants with scores of 600-649. By XX/XX/XXXX, that increased to 23.5 % of approvals. Lenders are loosening guidelines and encouraging lower-credit applicants to apply. 

My scores are steadily rising with XXXX  ( XXXX ) and XXXX  ( XXXX ). Unfortunately, Experian purposely stifling my score and there is an 85 point ( XXXX ) difference even though all the companies have the same information. XXXX  and XXXX  gave me an excellent and fair payment score of XXXX. Experian lied and stated my payments were fair even though I never missed a payment. 

If you look at Experian 's website they are pushing their high-interest rate credit cards and upgrades at the consumers with the promise of raising credit scores. I feel like I am being blackmailed and my credit score is being held as a hostage. At this point I can't apply for credit accounts because of them it will be declined.

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 2018-05-02
Company: HW Holding, Inc
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I reached out to this company in XX/XX/XXXX XX/XX/XXXX. I also went to the original debtors office with the account # I had at the time I lived in the XXXX XXXX XXXX XXXX and was told by the management team that I did not have an outstanding debt. The manager of the office called while I was there and spoke to someone who advised they will rectify the issue and no debt was owed. I also disputed this balance with all 3 credit bureaus and it has only been removed from XXXX.I called today and get the same message each time I call I need to speak with someone in " support services '' and the office is closed. This company is reporting this debt and I don't owe it and this needs to be removed from all 3 credit bureaus not just one.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
During XX/XX/2020 and XX/XX/2020 my payments report in good standing ( OK ) as on time payments. XXXX XXXX after my XXXX payment XXXX XXXX reported a XXXX late payment for XX/XX/2020. There was never a notice statement of outstanding balance for XXXX. A XXXX late payment for XXXX proves an error. For direct citation concerning this matter please reference 15 USC 1666 ( A ) & ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. To date, I have not granted you or XXXX XXXX such authority. According to 15 USC-81s-2 account is in violation of multiple subsections because not only are the late payments being reported inaccurate they are also being reported during XXXX XXXX. In good faith I have conveyed my hardships with XXXX XXXX on a recorded line concerning the national pandemic and how it impacted my day to day well being, but yet they furnish my report with derogatory marks lessoning opportunities of progress via mortgage, jobs, and other loans that I can leverage to better myself in such trying times.

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 2020-04-09
Company: Westlake Services, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Due to covid 19 i have been furloughed in XX/XX/2020 I immediately called westlake financial services to defer my payment for the month of XXXX. I was told it was no problem and was approved. 
I start getting emails and calls that my payment is over due with late fees. When I called back they said that all deferments are going to be denied because of the pandemic. In his words too many deferments to be able to approve any at this time. I also received an email stating the stimulus checks and insinuating that the car payments should be paid with that. I have a perfect record of the last 14 months with them and just need some help. They denied working with me, deferring or any other action or even removing the late fees. I have no job because of covid, my unemployment doesnt even cover my rent but every company is working with me except my vehicle loan through westlake financial services. They also were ver adamant that it would be reported to collections and this would affect my credit ( which Ive worked VERY hard to fix over the years ) and to even take the vehicle. I feel they are being completely cruel and unforgiving, giving the circumstances Im given. And I cant be the only person in this situation.

Company response to consumer: Closed with explanation