BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-19
Company: Experian Information Solutions 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, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX , CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$2800.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$46000.00} ; XXXX XXXX Balance : {$5000.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX 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 2021-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
I hope you can help me to remove these items from my credit because I can not progress in my life like buy a house, get car or even get a credit card. The way life is now credit is everything. On XX/XX/21, I sent a letter regarding inaccurate and unknown things on my credit report. I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. I hopes that I can get some assistance in reaching these credit bureaus. They are unlawfully reporting late and missed payments on my credit report during the pandemic. I wasn't able to work during those times when the payments were missed and they aren't giving any consideration and I have submitted my compliant over a month ago and still haven't gotten any results. I am the only one who is working in my family and I need to provide a good life to my parents and these fraudulent items will hurt me to provide as daughter. so please help me while I move forward with helping my family thanks.

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 2023-10-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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 REQUESTED a factual dispute with experian there response was the creditor said the information was accurate when in fact it isn't charged off account s cant not have a past due amount and reporting charge off every month in the payment history manipulation of the statute of limitations

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX {$2000.00} XX/XX/XXXX XXXX XXXX {$750.00} XXXX XXXX XXXX XXXX {$6900.00} XXXX XXXX XXXX XXXX {$2400.00} DEPT OF ED/XX/XX/XXXX XXXX {$2900.00} DEPT OF ED/XX/XX/XXXX XXXX {$6100.00} XXXX, XXXX XXXX {$250.00} ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING 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 2023-10-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
capital one shared all my info and then they had there administrators send me a email to my spam so i wouldnt get to submit the claim

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: Lockhart, Morris & Montgomery Inc.
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Lockhart Morris & Montgo {$1900.00} Opened XX/XX/2022 Sent letters, no response

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I sent {$500.00} from my account on XX/XX/2020 via XXXX for a deposit on a rental property. The receiver cancelled the lease and has attempted to return my deposit via an emailed fraudulent insurance check, requesting I deposit it and send them the remaining {$3000.00}. I disputed the transaction with CapitalOne, they investigated and responded that there was no mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: CREDIT ACCEPTANCE CORPORATION
State: OH
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 the fair credit Reporting XXXXXXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

+ 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late 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 explanation
Consumer complaint received 2019-04-11
Company: Experian Information Solutions Inc.
State: AL
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 didn't receive written notification about the debt. ( didn't receive, didn't know you could dispute debt ) I requested to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. The collection agency have failed to positively verify these accounts and it has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed above. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), the collection agency are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

The collection agency responded with a letter and a bill for account number XXXX ( see the attachment ). The collection agency did not provide any documentation for account number XXXX but listed the account on my credit reports. 

The date opened on the account is also incorrect. I have disputed this debt with Experian and XXXX  and the debt was verified as accurate. They refuse to remove the debt. The credit bureaus informed me to contact the data furnisher for proof of the written contracts.

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 2023-10-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was robbed on XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX brought me to the bank to make an in person bank withdrawal and i tried to give it to him in the bank and then he said no and i gave him the cash after outside of the bank. I was heading to a XXXX appointment prior and I just got off an XXXX bus when it happened. The cops have classified it as a grand larceny. I called the bank wether there is a case open or not changes every time i call. I gave them the information. I have record of their lack of response over email through XXXX. A similar situation also almost happened on XX/XX/XXXX but, I wasn't that afraid the second time around.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: UNIVERSAL COLLECTION SYSTEMS, INC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I called the Debt Collections Company after filing a dispute on my credit report for the collection of an improperly filed medical bill.

The Debt Collections Company insisted on taking personal sensitive information, and could not offer any information on the debt other than the institution who sold the debt to them. They could not provide contact information or further information on this debt.

I attempted to contact the Medical Institution regarding the improperly handled medical bill, with no response. They improperly filed the bill and were more than compensated by insurance already. They filed this debt improperly afterward, without any regard to notifying myself of said debt.

This information was also improperly filed on my credit report, causing me further trouble.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: Netspend Corporation
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I was scammed by a website. I went to the USPS website to sign up for a change of address. After I finished I saw a charge on my account for for a change to my mail website. I never went to a change to my mail website I went to the USPS website. So I was scammed out of {$100.00}. So basically they are attached some kind of way to the government website. I went to NetSpend in disputed charge in XX/XX/XXXX of 2022. I got a letter today saying that they investigated it and that they found no error occurred. I call the company back again cuz the first time I called I couldn't get through so I called again. So there's no way to talk to somebody at the company. Because the company doesn't exist. It's a scam there's no mail forwarding I never got none of my forwarded mail. And I would have never signed up to change my address for XXXX XXXX NetSpend made a decision without even asking me my side of the story they didn't send me no paperwork to fill out. The website no longer exist for this company. So how could they make a decision to say that I can't get my money back because I was scammed when the company doesn't even exist anymore so it's obvious I was scammed. Please contact them to appeal their decision.

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 2023-10-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
The store is Kohl 's. 

On XX/XX/XXXX I made a return for the amount of {$160.00}, and made a payment for the amount of {$160.00}. 
Then I made a purchase on XX/XX/XXXX for the amount of {$100.00}. 
That leaves a credit of {$56.00} on there XX/XX/XXXX statement. 
Then I made a purchase on XX/XX/XXXX for the amount of {$61.00}. 
I used up my credit and owe {$5.00}. 
When I saw that they billed me {$61.00} on my XXXX XXXX, XXXX statement, i called and spoke with XXXX XXXX case # XXXX ). I spoke with her that I have a credit. She said they can not go back in there system ( XXXX ). I asked her if she would like me to email or fax the statement. She said " no ''. She can not receive faxes nor emails. So then I asked to speak to someone that could go back to XXXX. She said no one is here to help. So I said I will go into the store. Spoke with XXXX ( XXXX ). He said does not have access to my account. I paid the difference of {$5.00} on XXXX XXXX. The billed me again for {$86.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-23
Company: TFC Credit Corporation of California
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I used to work for XXXX XXXX XXXX for about 2 years. I have not owed anything with them nor did they tell me i owed anything the entire time working there. I do not kno what this collection is for and i have been consistently harrassed via excessive phone calls every other day. When working there, i reported that my boss was XXXX XXXX  and XXXX XXXX me repeatedly over the entire time i was at XXXX. The next day, i started experiencing harrassment from supervisors and was fired 2 days after my report for unknown reasons. when i asked them to state the reason on my termination letter, they refused to contact me. shortly after, i began to receive harrassment from this debt collector company assosciated with the company. I do not owe anything to the company and have asked them multiple times to stop contacting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to address fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing distress and concern. I am a victim of identity theft and have taken immediate action to report it. It is crucial to rectify this situation promptly as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I am willing to provide evidence and, if necessary, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is appreciated.

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 2020-09-01
Company: USA Service Finance LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We closed on a 1st Mortgage with LoanDepot.com, LLC on XX/XX/XXXX in the amount of {$500000.00}. There were several errors on this closing - all to our detriment : 1. Per LoanDepot 's Closing Disclosure, LoanDepot withheld at escrow {$150000.00} at closing to pay off a 1st mortgage with XXXX XXXX. XXXX XXXX  reports receiving only {$150000.00} for the loan payoff ( which was sufficient to payoff the loan ). There is a missing {$360000.00}. 
2. LoanDepot withheld at closing {$4100.00} for the purpose of paying the property tax bill due XX/XX/XXXX ; however, the prior lender already paid the XX/XX/XXXX taxes. Most importantly, base on a search of the County of XXXX records, it does not appear the County received the overpayment {$4100.00}. There is a additional missing {$4100.00}. 
3. There was additional {$250.00} error in the escrow. 
I have reached out to LoanDepot several times, first in writing on XX/XX/XXXX. I have reach out to the servicing department, the origination department and the escalation group - with no response. Total missing funds are {$8000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: Experian Information Solutions Inc.
State: FL
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI
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:
Bank of America changed its policy about accepting payments My payments were REFUSED In person at the branch When I called to inquire as to why my credit limit was decreased THEY DID AN UNAUTHORIZED inquiry dropping my credit score lower!! 
When I expressed I wanted to close my acct and end business with this criminal organization they threatened it would further ruin my credit!!

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 2017-08-05
Company: WELLS FARGO & COMPANY
State: FL
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:
I have a cash back Visa credit card account with Wells Fargo. My balance is over the limit, because of fees and interest. I can not pay the full amount. I went online to make a payment on XXXX/XXXX/17, of {$130.00}. The next day I went online to check to make sure payment was processing. Then the summary said I really should have paid {$170.00} instead of {$130.00}. The amount changed because I did n't pay the overlimit amount immediately, so they charged me another fee.
I am in a situation of a cascading amount of fees and interest, that are abusive. So my monthly payments are so high that, I have no money for food, gas, living expenses, etc. I want to keep this account current, but I am heading for default.
I am XXXX and live on Social Security. I called the customer service and her supervisor and told them this. They said there was nothing they could do and they would not forgive the fees in any way.
I am now considering suicide. I told them this and they could care less.
I do not want to hurt my credit score, because I may not get approved for housing and I will become homeless.
Remember, 75 % of the balance is NOT principle. It is fees and interest -- - extremely abusive.
Please step in and help me. I do n't want to go into default, but the payments are too high for me to make.

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