BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2022, I was the victim of fraud on my debit card, as my card was used to practically drain my checking account of funds in the amount of XXXX. I immediately called it in, that same day. I was told I needed to wait until those transactions posted and then a claim could be submitted. On the XXXX, they posted and I submitted a fraud claim through the bank. While this was going on, I looked into where these purchases were coming from and who these merchants were. Turns out they werent real websites or merchants. They were inactive foreign sites that you can not access and offer no service or goods. Clear cut case of fraud. I was left with a drained bank account, and would not receive a provisional credit either. A few days later I receive an email saying that my claim was denied because no error was found. I was distraught and angry, so I call capital one, and am told that upon review, because I checked my account online briefly before reporting the fraud, that it was not in line with fraudulent transaction patterns and therefore they would not refund my money or protect me. The worst part is that they refunded me ONE of the fraudulent transactions in the amount of XXXX. Thats it. The rest of the money they refuse to refund for some unexplained and shady reason. I issued a rebuttal with screenshots showing that these werent even real merchants, they were unknown foreign entities that scam advisor had already flagged as fraudulent. Capital one still refuses to protect me and my money even with all of this, putting my safety as a consumer and customer on the back burner. I am in the process of getting evidence together with my attorney to bring it to arbitration, as this has caused me significant distress and are unethical practices by capital one bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-04
Company: EQUIFAX, INC.
State: IN
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:
On several occasions I have reached out to all three credit bureaus & the companies as well as collection agencies to try and resolve said issues. I have provided the companies and bureaus with not only medical documentation, but I have submitted everything to them to dispute and show proof these debts are not me. Since the middle of last year in XXXX I have reached out to them to get these situations settled and removed from my report and to stop the harassment, intimidation, excessive phone calls & letters. I am not sure what else to do at this point I do not know who did this and stole my identity & setup accounts but just cause the mail arrives at a certain address does not mean that person opened that account. I get mail at my address for a person who has never lived here so I am saying as a XXXX veteran who served this country honorably and someone who takes pride in their reputation I want these accounts and the adverse notes and scores inquires in all removed from my credit report and for the companies to stop calling and sending letters to me for credit cards, loans, and such things that I did not open and nobody in my home opened.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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've found that my credit report has erroneous information. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate removal of the following erroneous information on my credit report : 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 non-monetary relief
Consumer complaint received 2022-11-08
Company: Experian Information Solutions Inc.
State: GA
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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXXXXXX 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 XXXXXX/XX/2021

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 2019-03-25
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:
Equifax thank you for responding to the CFPB response case XXXX by stating you will not respond because I never get a written response when you state you will mail one to CFPB. I give you permission, any way you and Experian still report this alleged account accounts resolution serv. on my credit report and I have contacted all parties Accounts resolution, XXXX of TX, even the alleged hospital XXXX XXXX NO one will respond to my request not one company this is fraud even the balance changed enclosed are documents that accounts resolution XXXX of tx, XXXX XXXX all have faulted on the information sent through the CFPB as a matter of record remove this alleged account. AND NO IM not a Credit repair person. be advised that one of these companies as or is under investigation for fraud by Attny GEN Office for billing { fraud } example alleged billing went from XXXX dollars to around 250 dollars now over 1500 dollars all documented in case file just what ATTNY GEN is after PLUS the HIPP violation Account Resolution has committed<alleged debt bal increase out of the blue>

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My Capital One checking account was closed due to a XXXX  payment which I received from one of my customers. There was approximately {$1300.00} in my account when it was closed. I called capital one multiple times and got no where with them. It has been over 100 days since my account closure and still no money has been returned to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-08
Company: EQUIFAX, INC.
State: GA
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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: EQUIFAX, INC.
State: NV
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 never received a notice of sale!! The amount is incorrect!!! That is inaccurate information!!! The Credit Bureaus are reporting XXXX as a Repossession when originally it was a credit sale!!! Inaccurate information!! XXXX is reporting over {$13000.00} Equifax is reporting {$9700.00} and XXXX is reporting {$9200.00} XXXX different amounts so how was this verified? Therefore its an error or a lie!! This could not have been verified properly if its XXXX different amounts!!! Also, I have enclosed documentation proving this is all inaccurate information based on all of the technicalities!! According to the FCRA!! I have the right to a fair credit report but if youre allegedly reporting this as a repossession then why are you still reporting late payments on my report? An error or a lie!! Therefore this should be immediately deleted off of my Report!! Also according to the Nevada of Limitations They Also violated Repo laws!! According to the FCRA it has to be reported XXXX percent accurate!! This is all inaccurate information therefore should be deleted off of my Report!!! Also this was an illegal repossession which took place on private property!!! They unlawfully trespassed on private property!! The repossession took place on XXXX XXXX XXXX!! Its no trespassing on private property!!! This is illegal in the state of Nevada!! Breech of Peace!!! I also have the right to an attorney if this is not immediately deleted off of my report!! The vehicle allegedly sold in auction for {$4300.00} according to XXXX yet they are reporting late payments but offered a settlement of {$5000.00} all inaccuracies and technicalities that should be deleted off of my Report immediately!! 
Please delete XXXX  Immediately!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THIS ACCOUNT IS REPORTING FALSLY AND INACCURATELY ON MY CONSUMER REPORT. Please provide original documentation bearing my wet ink signature as evidence of my obligation to this inaccurate account. 
PORTFOLIO RC Account Number : XXXX If furnisher is unable to provide the original contract and consumer credit application bearing my wet ink signature, I demand this account be DELETE IMMEDIATELY! Pursuant to the FCRA & the FDCPA IF YOU FAIL TO PROVIDE THIS DOCUMENTATION ( ORIGINAL CONSUMER CONTRACT AND APPLICATION ) AND INSTEAD PROVIDE 'STATEMENTS ' OR OTHER COPIES OF UNREQUESTED DOCUMENTATION. YOU AGREE THAT YOU DO NOT HAVE THE RIGHT TO COLLECT THIS ALLEGED DEBT. IN WHICH CASE YOU ALSO AGREE TO DELETE THIS ACCOUNT FROM ALL MY CONSUMER REPORTS. 

Under federal law, you have thirty ( 30 ) days to complete your investigation for the aforementioned documentation OR delete these items before that time OR I WILL FILE FOR LITIGATION in FEDERAL COURT. 

This alleged debt has caused considerable damage to my reputation and I will exercise all rights under the law for remedy if you do not make these corrections immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26
Company: Specialized Loan Servicing Holdings LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Over the last 15 years I have held a conventional XXXX XXXX 30 fixed home mortgage. Within the last year XXXX XXXX has begun outsourcing the payment collection process to Specialized Loan Servicing ( SLS ). For well over the last 10 years I have had autopay service through my primary bank. My bank ( XXXX XXXX ) ensures that my monthly payment arrives by no later than the XXXX of each month. For over 10 years XXXX XXXX had been able to process my mortgage payment on time with no issues. Since SLS has taken over payment collection I have had five late fees added to my account. Each time a late payment is posted I would have to call customer service and have them reverse charges once they see that the payments did indeed arrive on the XXXX. 
I believe SLS is committing fraud by charge illegal late payments. My mortgage states clearly that I have until the XXXX of each month to make my payment. My bank ( XXXX XXXX ) has been successfully sending auto payments to XXXX XXXX, SLS and many other lenders ( cars, credit cards ) for more than 10 years. Unfortunately, now SLS is charging me late fees because they can not process payments in a timely manor. 
I would like CFPB to look into SLS fraud and have SLS immediately stop charging me late fees when my payment is received by the XXXX of each month and credit my account for all current late fees.

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 2023-10-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-17
Company: CAINE & WEINER COMPANY, INC.
State: AL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I canceled my auto insurance with XXXX  dice their rates were getting so high, well before it was due to renew on XX/XX/2016. However, I had to pay a {$50.00} fee for cancellation of my insurance which I dont know is legal or not. But, I received a bill for {$330.00} from XXXX, long after I had gotten insurance with someone else ; this amount was the renewal fee if I had renewed with XXXX, but I did not. The {$330.00} is the exact amount for renewal in on XX/XX/2016, if I had chosen to renew. XXXX is putting this bill on my credit report, and I do not owe it as I told them I was not renewing and had to pay {$50.00} for canceling the insurance I had ; in fact, I canceled earlier than my previous insurance went out and they got to keep the remainder, but refuse to remove this bill that I do not owe from my credit report. And, each months bill was auto-debited from my account, so XXXX would have taken any amount I owed out if I really owed anything. I feel, the company is just aggravated that we did not renew with them with this high renewal monthly premium, and they are trying to hurt and are hurting my credit with a false bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2021-07-03
Company: PORTFOLIO RECOVERY ASSOCIATES 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 status incorrect

Complaint:
On XX/XX/XXXX when XXXX Bank received notification ( from XXXX  ) that I had finally been able to afford to pay off two XXXX XXXX  accounts ( sold to Portfolio Recovery ), XXXX took advantage of the notification from XXXX  that requested deletion, and reported back a changed status of " charge off '' eventhough they had just been sent proof of PAID accounts for both accounts, XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. When I called XXXX, representative stated that " they had to report something '' i.e., instead of honoring/accepting the proof of payment for both XXXX  accounts sold to Portfolio Recovery, XXXX  chose in less than 48 hours of receiving XXXX  delete request and proof both accounts were paid, XXXX  knowingly and intentionally seized the opportunity to incorrectly report back to XXXX  " charge off '' status to XXXX. This was deliberate ; when I immediately called XXXX, the gentleman who answered told me they/XXXX  had not reported to credit reporting agencies since XXXX, on either account. It was only when XXXX  contacted XXXX  and notified them that I had paid both debts , XXXX and XXXX XXXX, it was then and only then that the vultures at XXXX  reported back to XXXX, an incorrect status of charge off. I think I have this XXXX " hustle '' figured out. Unbenounst to a consumer who is ignorant to predatory companies like XXXX tries to clean up their credit and XXXX learns of money changed hands, like a shark who smells blood, XXXX then uses that paid awareness to hijack accounts into the incorrect status of charge off, creating opportunity for selling more debt, etc. This was completely deliberate and a reaction to paid status notification, because when I called XXXX  about the response and change of status to charge off, XXXX  phone agent admitted that had not even reported on either of the 2 accounts since XXXX so clearly, it was notification of PAID status to Portfolio Recovery that " set off '' this status change ; therefore, there is clearly a reaction/ agenda for XXXX XXXX to act upon paid status. XXXX  engages in predatory practices and that is why there are over 1,000 complaints with XXXX. I also recognize that because XXXX  has proof that the debt is paid ( to Portfolio Recovery ) and they subsequently removed Portfolio Recovery from my credit, they too could of simply removed-deleted the original XXXX XXXX  negative strikes, XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, but they didn't. This is a consumer scam to collaborate and facilitate money making in this credit industry. I fully expect one other XXXX account to now be sold to Portfolio Recovery

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
In my fifth endeavor to resolve this matter, I want to emphasize that this marks my fourth attempt to address the ongoing issue. Despite numerous requests, EQUIFAX has consistently denied me access to my personal credit report. They have steadfastly refused to provide any information about my credit history. Enclosed are supporting documents, including a duplicate of the letter I sent to the credit bureau and copies of my personal identification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-26
Company: NAVY FEDERAL CREDIT UNION
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: Credit inquiries on your report that you don't recognize

Complaint:
Upon reviewing my credit report I've multiple inquiries that were not authorized by me. The unauthorized inquiries are as follows : XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX. XX/XX/XXXX Navy Fed Credit Union. XX/XX/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 2022-11-08
Company: EQUIFAX, INC.
State: CA
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX A XXXX XXXX, CA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX Balance : {$96.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: EQUIFAX, INC.
State: MA
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've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the XXXX credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief