BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-13
Company: CCS Financial Services, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Im in complete shock about this negative item that continues to appear on my credit negatively. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
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:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 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 Balance : {$20000.00} ; XXXX XXXX Balance : {$6200.00} ; XXXX XXXX XXXX Balance : {$13000.00} ; XXXX XXXX XX/XX/2023 ; XXXX  XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 ; XXXX  XXXX XX/XX/2023 ; XXXX XXXX XX/XX/2023 ; XXXX  XXXX XX/XX/2023 ; XXXX XXXX XX/XX/2023 ; XXXX XXXX XX/XX/2023 ; XXXX XX/XX/2023 ; XXXX XX/XX/2023 ; XXXX XX/XX/2023.

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 2023-03-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Hi, I have a dispute with Capital one CC  company, my account number ending in XXXX, original dispute XX/XX/23, complaint filed with Michigan Attorney General. I did a FULL balance transfer of {$210.00} AWAY from Capital 1, the balance transfer overlapped my due date by a few days and Cap 1 charged my account a let fee plus interest. I refused to pay a late fee plus interest on a balance transfer. I filed a complaint with Capital 1 and they did NOTHING to resolve the issue. This went one for 3 months as I refused to pay it ( which also reflects on my credit ). It was only when I filed a complaint with Michigan Attorney General that Capital 1 took steps to resolve the problem. 
Per Capital 1 's resolution letter to me ( XXXX XXXX ), they " credited '' my account back the {$150.00} ( all of this was late fees and interest after PAYING OFF my balance ) which they should have never charged me in the first place. 

Now, I have to file another complaint to have this removed from my credit report. Plus they never closed my account like I asked them too. 
...... 
Even though the dollar amount has been resolved, I'm writing you because this NEEDS to be reported. 
Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-01
Company: Experian Information Solutions Inc.
State: NC
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 sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a XXXX party. I have attached my ID and letters to this complaint for your review.

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 2023-12-01
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. 
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 Balance : {$8700.00} ; XXXX XXXX Balance XXXX {$560.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-02-07
Company: EQUIFAX, INC.
State: DE
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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: Experian Information Solutions Inc.
State: NJ
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 received a collection mark on my Experian credit file from XXXX XXXX for {$390.00}. I sent XXXX XXXX a debt verification letter via US mail. This letter requested documentation of proof of debt, a copy of the original written agreement between the parties signed by me, a bill of sale or any documentation proving I have a legal responsibility to XXXX XXXX. They were not able to provide such documentation. 

XXXX XXXX sent me a copy of what appears to be bill from XXXX. The did not provide me any documentation with my signature or proving I have a legal responsibility to XXXX XXXX. 

On XX/XX/22 I responded to XXXX XXXX  that they did not provided sufficient proof of debt and to remove the collection from all credit reporting agencies or be in Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, Fraud and Defamation of Character. 

I opened a dispute on Experian Credit Bureau regarding this collection, sharing all the information I requested and the legal requirements XXXX XXXX needed to provide for proof of debt ownership and validation. Since convergent is not able to provide the legal documentation, Experian is required by law to remove the collection from my credit file. Experian has not removed the collection from my file

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 2023-02-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Ive asked this company to stop calling me and that Ill pay it when I get the money. They call me at Lea 3 times a week.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-16
Company: SANTANDER HOLDINGS USA, INC.
State: MD
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I did not receive a check or anything from the dealership to purchase the vehicle or from the alleged lender which caused me to inquire and ask for validation and verification from the alleged lender.I was not given any ledgers of where the money came from and no information showing how the debt is valid. I also did send a cease and desist until all was resolved and they denied the cease and desist by saying they will only stop calling me but will not cease reporting to the agencies and will not stop charging me until they actually validate and verify the debt. I also received a letter from Santander the alleged lender stating that they are the indirect lender which is very strange and appears fraudulent who is the direct lender.I am requesting payment for the violations, a return of my down payment, the finance charge, transfer of the title to me, and removal of alleged debt from Santander and any third parties

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26
Company: FIRST REPUBLIC BANK
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XX/XX/XXXX, my wife and I obtained a loan from First Republic Bank to refinance {$170000.00} in student loans. We have made every monthly payment on time and in full since the origination of the loan. Two months ago, in XX/XX/XXXX, First Republic Bank began reporting the loan to consumer credit agencies. However, they only listed the most recent monthly payments ( XX/XX/XXXX and XX/XX/XXXX ) as on time despite the fact that there have been 30 months of on time payments. No data is reported for all payments prior to XX/XX/XXXX. 

I asked First Republic Bank to update the credit reporting with the complete payment history of our loan, and they replied that " the system/process wasn't in place to make sure that we were fairly and consistently applying reporting. '' The bank refuses to update my credit report to reflect the long history of on time payments.

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 2023-02-16
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX is furnishing inaccurate information to my Experian credit file. Collection account XXXX. Experian is reporting XX/XX/XXXX for date last active while XXXX is reporting XX/XX/XXXX for date last active. Due to inaccuracies I want the account deleted for violating the FCRA. My proof is directly from my credit report that shows the violation.

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 2018-04-28
Company: CITIBANK, N.A.
State: ID
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
From the XXXX - We recently reported on the disturbing trend of large U.S. banks most notably XXXX XXXX XXXX ( XXXX ) and Citigroup using their enormous market power to discriminate against customers based on lawful firearm-related business activities. These decisions were unabashedly prompted and lauded by anti-gun activists as political statements and social engineering, not as business decisions based on any alleged financial unsoundness or criminal activity of the affected customers. This feigned high-mindedness is particularly galling to gun-owning Americans whose billions of tax dollars helped bail out these financial behemoths after the banks reckless business practices brought their companies and the U.S. economy to the brink of disaster. Now, pro-gun members of Congress are  demanding answers and accountability. You can do your part, too, by lodging your own complaints against the banks with the Consumer Financial Protection Bureau.

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 2023-09-18
Company: MOHELA
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with forgiveness, cancellation, or discharge

Complaint:
I submitted for XXXX through Mohela on XX/XX/XXXX. I found out that I needed to transfer my loans from my previous loan servicer to XXXX  XXXX which then transferred them to Mohela in XXXX of XXXX. In XXXX or XXXX of XXXX, I was told that XXXX payments had been accepted for PSLF forgiveness. When I contacted Mohela to find out why only payments between XXXX and XXXX were accepted, I was told that they were waiting for more information from the Feds. 

I contacted Mohela at XXXX on XX/XX/XXXX to find out why only payments from XXXX were considered in my forgiveness count when I have verified employment from before XXXX. The representative I spoke with could not figure out why that was either. He told me he was going to put in a request to figure out why no payments before XXXX were considered. He told me to wait XXXX weeks before calling back to check on the status of this request. 

On XX/XX/XXXX, I received a letter from Mohela ( even though I've requested electronic correspondence many times ) essentially informing me that I do indeed have an account with them and that I can check my XXXX  progress on the website. 

On XX/XX/XXXX I called to follow up on my original request since it was NOT addressed in the letter I was sent. I was told to be patient and that some XXXX requests would be fully processed in XXXX and others not until XXXX. 

I have tried to contact Mohela in XXXX and XXXX of this year and have not been able to reach them because of high call volume. They are not a very user friendly company. 

My complaint is that I've submitted all the appropriate paperwork and am still waiting for forgiveness after 18 months. No one seems to be able to answer my questions. I've been paying on my loans since XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: FISERV INC.
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
The company is called Telechek in Georgia. The process checks. I own a business in XXXX XXXX XXXX, Nevada and have been declined by this processing company. Not for any issues we have had on our checking account ( s ) but for the fact that " my check was considered fraudulent because it was written for an amount higher than I normally write. '' I only do a couple checks a month with this company so they have no way of knowing what I write checks for. In fact, I write over $ XXXX worth of checks each month to many vendors. They stated I have no history with them so they can't approve the processing of my checks. They would not call my bank either to confirm the amount was good. How can I build a " history '' with them if they never approve the checks. I asked to speak with a XXXX and they absolutely would NOT transfer me. XXXX XXXX # XXXX ( probably a fake number ) would not transfer me to anyone else. So they have restricted me from doing business with the particular company here in XXXX XXXX and if any other vendor uses this service, I will be unable to conduct business. These types of companies have too much power. They should not be allowed to decide if my checks are fraudulent without any discussion, proof or evidence. I have been in business since 2008 and do not have issues with other vendors because they do not use Telechek.

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 2019-06-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
We were enrolled in paperless billing and never received an alert or email in reference to a minor fee or charge. I discovered the issue through a credit report. I have several screenshots that indicate they were not able to send bills to my email address ( same address for over 10 years ). I promptly made the payment after discovering the issue. They lower my credit limits in the month of XXXX due to low activity. They have since closed both accounts and I have received to reasoning. They reported an adverse report to the credit bureaus. I have been a loyal customer in great standing with them for a long period of time. I want real answers from an employee that can make changes. I have contacted them several times and some each time my connections are lost during transfers. The last incident was on XX/XX/2019. The manager ( XXXX ) failed to connect me to the appropriate XXXX employee. I have made a visit to the local service branch and filed a " commit '' case with their compliance officer. I have not received any real information in writing or through email. I am left with no other option than to file a complaint and possibly a lawsuit to get this issue resolved correctly.

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 2023-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 was trying to buy a house and I realized I had damages to my credit report. There were several inquiries that was not authorized by me. 

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 that appears on my Transunion report XXXX XX/XX/2023.

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 2023-02-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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:
I placed an order with XXXX XXXX XXXX website on XX/XX/XXXX at XXXX. After realizing the website was a fraud/scam I immediately emailed the company and requested to cancel the order, XX/XX/XXXX at XXXX. This company responded to my request via email on XX/XX/XXXX, at XXXX acknowledging that I had requested to cancel the order. Their cancellation policy per the website states, " cancellations must be done prior to the order being shipped. '' I then received an email on XX/XX/XXXX stating that the order had been shipped. This is 10 days after I cancelled the order, well within the time period. I have emails time stamped and dated showing this as fact which I have provided below. I filed a dispute with the credit card company since I did not receive a refund and provided them with proof that I had requested a cancellation well within the time frame. They denied my dispute stating they need documentation from the merchant showing they cancelled the order. I submitted proof that it was requested and that the merchant acknowledged that I had requested it be cancelled. The merchant did not cancel the order because they are a fraudulent company. There are many complaints on the FTC website about this company and the fact that they are scammers. This merchant is also claiming that the order was received. I have not received anything from this company. I have cancelled all of my accounts with the credit card company as they lied and stated that I would not be held liable for fraudulent transactions. Since this is a scam website, it should fall under fraudulent activity. I will not be paying for something that I cancelled or that I never received. They have been provided all proof of cancellation, the website policy for cancellations and all info related to this dispute. They asked if I would call the merchant number to dispute it with them. I called the number provided while on the line with Capital One and it is not even their companies phone number. Again, they are not a legitimate company hence I can not dispute it with them. I want the charge removed from the account and all accounts with this creditor closed. I will no longer be using Capital One as my credit card company.

Company response to consumer: Closed with monetary relief