BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have a letter from Capital One that states that they are reporting a specific name and address to my credit file in regards to an account on my credit file and XXXX verifies this account as accurate. I have disputed the accuracy of this information numerous times stating that this account does not belong to me and must be removed from my account. It has been removed from my XXXX and XXXX accounts because it does not belong to me upon checking and verifying my personal information with XXXX, the information that Capital One is reporting does not exist on my credit file. How is this account accurate if the information that the creditor is reporting does not belong to me? XXXX is either lying about this account or not conducting thorough investigations. According to Fair Credit Reporting Act 611 ( a ) ( 5 ) ( A ) ( i ) if during a reinvestigation there is information that is deemed to be inaccurate after prior investigations claim that it is inaccurate, this information must be promptly removed. XXXX has continuously verified this account as belonging to me yet the creditor is reporting information to my credit file that does not belong to me and does not exist. This is a clear violation of my federally protected rights as a consumer and this account must be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: MO
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Please see complaint CFPB # XXXX. This is in regards to that. 

The company gave me payoff, I sent in a check for payoff which is XXXX. They tried to cash for XXXX. I made a complaint and they assured me that if we sent it in again in another check, which we did that day on XX/XX/XXXX that they would back date to XX/XX/2023 so that we wouldn't owe any kind of fees. The check has been cashed. Now they are trying to tell me we owe an additional XXXX dollars and interest. When we tried to explain everything to them, they just kept saying you owe this amount still. It was the companies error not ours! 

I was given payoff on XXXX different occasions and on the second occasion they assured me that as long as they received the check we would not be charged any additional fees. 

This is feeling like a scam from this company.

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 2023-12-03
Company: Experian Information Solutions Inc.
State: AL
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:
I haven't given any permission to the consumer reporting agencies of any bankruptcy on my report from Experian, XXXX, XXXX etc... .I am requesting for deletion from credit report. '' According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' Experian and XXXX are consumer reporting agencies and I am the Consumer.I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Comgress that each financial institution has an affirmative and continuing obligation to respect privacy of its customers and to protect the security and confidentiality if those customers ' nonpublic personal information.

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 2021-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE FOUND INFORMATION THAT I BELIEVE IS FRAUDULENT IN MY CREDIT REPORT THIS INFORMATION IS DEROGATORY AND DAMAGING TO MY CREDIT. PLEASE HELP ME TO CLEAR THIS ERROR.

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 2021-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
XXXX XXXX from XX/XX/XXXX ACCOUNT # TO WHOM IT MAY CONCERN, This letter is a second formal complaint. I am in disagreement with the items listed above that still appear on my credit report, even after your investigation from XX/XX/XXXX. 
I would like these items immediately re-investigated and deleted. 

I would like this account deleted and removed from my credit report. Included are documents from department of correction, stating that I was incarcerated when this account was opened in XX/XX/XXXX. I did not receive funds or able to receive student loan benefits because I was in jail the date this account was open. 
Please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please forward me an updated credit report after you have completed your investigation and corrections. I request the item be verified manually and provided PROOF of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible. Also please provide the name, address, and telephone number of each credit grantor or other subscriber. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. Lastly to help resolve the issue I will be filing complaints and forwarding this letter to the FTC, CFPB, and 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 2023-03-24
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
The account is in the Fresh Start Program anything over 7 years must be removed from credit report. It has been a total of 12 years I contacted Department of Education and they told me they would remove it they also told me to dispute is on my credit so I did the reported it as accurate this account should not be on my credit report it is stopping me from living basically I cant get a house because of this I need help

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 2023-07-13
Company: CarMax, Inc.
State: SC
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:
The company let me kno that my info and social security number is attached to the account and for that reason it's my debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with Fair Credit Reporting act. The List accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 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 XXXXXXXX XXXX : # XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : # XXXX 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 reports of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the the information is inaccurate.

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 2023-11-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I feel discriminated by this bank Im XXXX and have a XXXX I filed a dispute incorrectly and they refuse to give me back my money by filing it as a billing dispute a doctor lied to me with his services and charged me {$1600.00} in XX/XX/XXXX my account is overdrawn my bank refuses to conduct an investigation or do anything to recover my funds they told me to forget about it the merchant scammer me and wont give me a refund or anything I dont know what to do why wont my bank do the right thing and refuse to refile this claim was denied once because it was filed as fraud they didnt understand 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 2023-07-13
Company: CITIBANK, N.A.
State: SC
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:
The company let me kno that my info and social security number is attached to the account and for that reason it's my 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 2021-02-15
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/2021, I opened a coin base wallet, submitted my ID and had an email saying that my ID has been verified and I am ready to invest. 
On XX/XX/XXXX XXXX, I put around {$400.00} worth of bitcoin, every one was fine, could access my wallet. 
On XX/XX/XXXX XXXX, I had an email saying that my account was restricted as I was under XXXX, which is false as my ID clearly shows I am XXXX. I was also told to verify my ID. Which I did the same day but they " could not verify my ID '' ( a driving licence ). 
I contacted support on XX/XX/2021 XXXX # XXXX XXXX. I only had an automated reply. 
Meanwhile, I have tried to resubmit my driving licence again. I them again on XX/XX/XXXX, XXXX Again automated reply. 
I contacted them again on XX/XX/2021 ( # XXXX ), I had an automated reply as an answer. This was a formal complaint which should have been sorted in 15days according to the automated email. 
I resubmitted my ID on XX/XX/2021, I had an automated reply " Unable to verify your identity '' I tried again the same day : same thing. 
I tried again no XX/XX/2021, " unable to verify your identity ''. I tried 3 times the same day. Nothing. I tried 3 ties that day. " unable to verify your ID '' I tried again on XX/XX/2021, I had a confirmation that the verification is still in progress " your ID requires additionnal verification. We will email you once verification has been completed. '' My question, why has my ID been accepted and allowed to send funds, once sent, I was told that it is unverified and my account has been locked. I saw on XXXX  that a lot of people have had the same issue. I am begging you to do something about it please.I contacted XXXX who asked me to contact you ( ref # XXXX ) kind regards

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
Company: WAKEFIELD & ASSOCIATES, INC.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have this company or collections agency damaging my image, prohibited my me and family from buying or renting property, my life is in danger because it's putting a strain and stress on my life .Credit is all I have.I tried to contact Wakefield & Associates 1.XXXX XXXX XXXX 2.XXXX XXXX XXXX  3.These 3 collections companies have damage my credit and personal. life I would like those Items Deleted from my credit report Immediately. From All 3 Credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: EQUIFAX, INC.
State: NY
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I borrowed {$12000.00} USD from a loan provider by the name of XXXX XXXX while attending XXXX XXXX XXXX. That loan was in deferment and during the COVID 19 pandemic, the loan provider claimed that I'm a delinquent. This goes against former president Donald Trump 's executive order to place all student loans on temporary hold. They've ruined my credit. I no longer owe them money either. This must come off my credit report because it's unethical of them to go against the president 's order and we were in the middle of a pandemic. I can not resolve the issue via the credit reporting bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13
Company: FULTON FINANCIAL CORPORATION
State: PA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX, I committed to a loan of {$150000.00}. When I got the original loan I was told there would be 180 payments and that would be it. During the course of the loan, I made 179 regular payments. I also had 87 " Unscheduled Payments '' in small amounts. I had 5 deferrals ( called Extension Reversals ) in the amount of {$990.00}. None of this {$990.00} was applied to interest. It just disappears with no effect on any balances. Every regular payment following an " Extension Reversal '' had the entire payment applied to interest and nothing to principal. In addition, I noticed, in just a cursory glance, that there are several regular payments where the interest/principal is out of proportion to the pattern of the loan. Attached is a copy of the spreadsheet. Pertinent dates to look at include : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and the payment directly following these " Extension Reversals ''. I would think that 180 regular payments, as agreed to originally, would satisfy the obligation. Something does not add up. 5 " Extension Reversals '' should not add $ XXXX to the course of the loan thus creating a balloon payment. I was never advised that this would happen or for the few hundred dollars more, I never would have deferred anything. 
Basically, I paid fees of {$5000.00} to defer loan payments 5 times and somehow this added over {$11000.00} to the end of my loan. So, I am out {$17000.00}! At the very least I find this to be unethical, predatory treatment of a longtime customer of this bank.

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 2021-10-22
Company: Resurgent Capital Services L.P.
State: CO
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:
I am filing this complaint about a company that I have never heard of that is filing entries on 3 of my 3 credit reports. XXXX, XXXX and XXXX. Company Name and Address : CACH , LLC XXXX XXXX XXXX XXXX, SC XXXX XXXXThey came out of no where and said I owed them $ XXXX. I have never heard of this company and notified this company by mail and phone that they need to remove this fraudulent entry off my credit report. When I spoke with this company and XXXX sounding person answered the phone and was really rude. I asked them why they put this negative collection/account on my credit report and they hung up on me. I have filed complaints and disputes with all 3 credit bureaus and only XXXX was able to prove it as fraud and removed it from my report. I called the company again and another XXXX sounding person answered the phone. I asked him to send me information showing that I owe Cach LLC or for information showing that I signed something saying that I owed them money for something. They again hung up the phone on me. They report themselves as an account of debt half the time that I made payments on supposedly. You will see in my additional documents that they list me 120 days late multiple times. I dont know how that would even be possible since I have never sent them money for anything nor have I ever made any agreement with this company for anything! Then they list my account as a collection other times. I know this is a scam and need to file with whomever I need to hold this company accountable for fraud, and fraudulent filings on my credit report. They claimed I made 2 payments to them and then hung up the phone on me on my 3rd call to them. Please investigate this company. I have done research online and found that I am not the only one being frauded by this company called Cach LLC. I am attaching both credit bureau entries that still remain on my credit report. You will see they claim me as 120 late multiple times and then they list me as a collect as well. I called a 4th time and asked for documentation showing that I signed for anything in order to owe them money. The rep talked over me and then yelled at me and then hung up the phone. You will see in you investigation that I never asked these people for money, sent them money, nor did I sign to agree to send them money. Please help. This is hurting my credit and Im scared they will go further to hurt me. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CO XXXX Phone : XXXXEmail : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
these are Unauthorized Inquiry on my credit report from these lenders which I have no idea or memory of engaging and benefiting from their services! 

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 2020-06-13
Company: Capital Accounts, LLC
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX I visited XXXX  office with a friend of mine who recommended XXXX XXXX XXXX as a great dentist. XXXX XXXX did a simple oral exam, her assistant took some x-rays, overall the visit lasted less than 30 min. After than I called several times trying to schedule an appointment for cleaning however they were not able to accommodate me with the times that would work for me, so I decided to go make an appointment at the office where I cleaned my teeth for the past 5 years. I went there on XX/XX/XXXX and on XX/XX/XXXX they billed my insurance for their services. On XX/XX/XXXX which is now over 5 months after my visit to XXXX XXXX XXXX at XXXX XXXX, they decided to bill my insurance for {$750.00} for services that were never performed, one of which is XXXX XXXX ( cleaning ). Since my dental insurance already paid for my cleaning, exam and XXXX which were actually performed on XX/XX/XXXX they declined to pay XXXX. 3 weeks later I received a text message from the office of XXXX that I must pay them {$380.00}. I called and spoke to XXXX  and she said it's some kind of mistake and I should just disregard it. I would also like to point out that I never even once received any itemized bills from XXXX XXXX, the only reason I know they tried to bill my insurance for services they never performed is because my insurance sent me the copies of all claims. Once again, after couples of texts and conversations with XXXX XXXX next thing I know XXXX XXXX forwarded my balance to collection agency that now tries to extort over {$900.00} from me ruing my credit score. This office filed false claims which is a serious violation and now they are trying to extort money from me for services that were never performed. It appears from my research that this is what XXXX XXXX does, they have a scheme. I saw other complaint on XXXX site which is literally identical to mine and what is even more telling, XXXX  XXXX   response is exactly the same, blaming customers for receiving money from Insurance companies and not sharing it with them which is absolute absurd and can easily be verified.

Company response to consumer: Closed with explanation