BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
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:
Capital One Bank is reporting a 30 day late on my credit file. Due to unforeseen circumstances surrounding the pandemic I was severely impacted financially. This was truly out of my hands as my hours were cut and I was unable to find another source of income. I am asking that you please remove this late from my credit file as it has has a big impact on my scores .I also paid this as soon as possible trying to avoid this late notation on my credit. As a long time customer I am asking for this one time courtesy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-21
Company: U.S. BANCORP
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have power of attorney for my brother who holds this c/c. I have complete financial control. For more than a year, I have not been able to get onto the website to pay the bill and when I mail the payment, it arrives late. In both instances we are continually charged finance charges. I have had to send the notarized paperwork twice ... they keep losing it. I was told that when the account was up to date, the website tech people would get me on the website to make payments easier and faster. The tech people tell me they have no access to the powers of attorney paperwork and refuse to allow me access and send me back to customer service. 

The last time I spoke to customer service in XXXX, I asked for the full payoff, as I was planning on canceling this c/c. I paid the amount I was told and today, received yet another bill for yet unpaid prior balance with more finance charges. No one can validate the charges and I am being forced to pay " blind '' the amount they state and interest on top of it. 

This is all totally unacceptable. I am canceling this card and the card was taken from my brother after the last phone call to the company. 

US bank was totally unhelpful, uncooperative and I am still unable to access the website to validate these charges.

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 2019-02-18
Company: ID Analytics, 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:
I have been a victim of identity theft, accounts had been opened in my name so, I'm requesting these information to be block from my credit report in accordance with the FCRA.This has cause a great damage to my ability to get a better job as well as get funding .Please remove thesee items and all none account holding iquiries from my credit report, an FTC and a police report had been filed, they will be attach to this complaint.

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 2021-07-16
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:
After a comprehensive analysis of my credit report. I have 4 accounts with late payments that are negatively affecting my credit worthiness and are also in violation of the FCRA. Pursuant to 15 USC 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device '' should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( I ) which is " the term " credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit '' Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from my consumer report pursuant to USC 1681a ( 2 ) ( B ). I am demanding that you remove these transactions from my report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41. Pursuant to 15 USC 1692k- Civil liability I demand XXXX dollars for each violation as you have caused severe damage to my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: TD BANK US HOLDING COMPANY
State: AZ
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:
This past spring I was in the process of paying my Target store credit card bill. This time when I put in my name and password someone else 's name came up on my account with his store charges but my home address. I immediately contacted Target customer support. When I identified my name to the customer service rep, he too asked why is someone else 's name on the account? They said they'd fix the problem and I said I wanted to wait to pay my bill UNTIL my name was on MY billing statement. Apparently that took a few weeks but when it was finally straightened out I immediately paid off my bill in " full '' to a zero balance. Target said they would not charge me a late charge but to my big disappointment they DID report my account as paid in full but past 30 days late. That's not right! I tried to pay my bill but was afraid I was paying someone else 's bill. It is stopping me from getting a refinance on my home loan.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-17
Company: DISCOVER BANK
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I'm only XXXX years old and I've never applied for a credit card. I figured that it's time to start building my credit so I applied to the Discover it secured credit card on XX/XX/XXXX. When I got the I got the letter in the mail a week later, it stated that I wasn't approved with a credit score of XXXX. I've never had, nor used credit card before, so I was worried. I didn't know who to talk to as far as this issue until my mom and dad told me, which is why I'm filling out this complaint a month later.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have been trying to have TJMAXX Remove the Incorrect late they are reporting the all 3 credit bureaus for my XX/XX/XXXX and XX/XX/XXXX payment. They did recieve payment through automatic bill pay on time. They said there is nothing they can do that I have to go to bureaus to fix it. I am in the process of buying a home and this is holding up the process.

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 2020-06-29
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Due to unforeseen personal medical expenses I shopped around for insurance coverage for my condominium to see if I could save a little money. I was able to find a policy that met the requirements of my mortgage holder, Regions Mortgage, and for less of a premium than my prior insurer. 

Insurance is paid through escrow. When the new policy was written, Regions never paid the bill and a new policy had to be written. My new insurance agent called Regions, sent the bill according to Regions ' instructions and followed up with them when the bill was not paid. Finally, I alerted Regions in writing that I was without insurance coverage unless and until the bill was paid. At that point, a completely new policy had to be written. 

Instead of taking ownership of the problem Regions itself created, Regions billed me {$120.00} for lender-placed coverage for what they deem as a retroactive lapse in coverage in XXXX of this year. The attached documents show my two attempts to obtain insurance through XXXX XXXX ( in XXXX and XXXX ) and a Regions statement showing the {$120.00} charge. Essentially what Regions has done here was to take my alerting of them of my condo not having insurance in order to try and profit from their mistakes. Conflicts of interest between mortgage companies and insurance companies for purposes of forcing customers to buy insurance are common in this industry and I have identified what could be a conflict of interest between Regions and its insurance company. 

Dozens of phone calls and written correspondence to Regions trying to resolve this matter have yielded nothing. Please 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 2018-12-21
Company: SYNCHRONY FINANCIAL
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX put a hard inquiry on my credit. I havent had my credit ran since I filed bankruptcy. It was put on there XX/XX/2018. I dont know nothing about this company at all

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 2021-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 am very stressed out. I can not believe that I became a victim of Identity theft. I have some inquires that are not mine. I do not know why I have them in my credit report. Its crazy I can not live like this because these items are killing my report. These inquires violates my rights. Please promise me that you will deal with this situation and finally remove from my profile. 

Please check these fraud inquires : XXXX XXXX  - XX/XX/2020 XXXX XXXX - XX/XX/2020 XXXX  - XX/XX/2020 XXXX XXXX XXXX - XX/XX/2020 I am attaching my ID

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 2018-12-21
Company: PNC Bank N.A.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Closed an checking account with Customer Service via telephone. This did not happen. Which resulted in overdraft fees and bank not letting me to reopen a new account with them or any other banking institution. And lower credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have constantly attempted to remove a debit that I do not owe. I have recurved countless harassing phone calls and threats from the debit collector. I want this account removed from all credit bureaus my credit before I seek legal help for personal damages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-29
Company: Granite Edvance Corporation
State: MA
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 was shocked when I reviewed my credit report and found late payment on different month from 3 bureaus. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21
Company: JPMORGAN CHASE & CO.
State: OR
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:
Chase Bank is claiming and reporting an inaccurate credit card debt of ( {$3900.00} ) on my credit file. I've mailed them several dispute letters, asking for proof of their claims. Chase Bank has failed to show me any solid proof of their claim. Chase Bank mailed me a copy of a previous statement they claim is mine. The statement is not mine. It failed to show my correct and full name, the address is incorrect, they failed to show me any signed documents that prove it's my debt. I also believe the social security number used to establish this account is inaccurate also. I sent out my first dispute letter on XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
After a comprehensive analysis of my credit report. I have 4 accounts with late payments that are negatively affecting my credit worthiness and are also in violation of the FCRA. Pursuant to 15 USC 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device '' should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( I ) which is " the term " credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit '' Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from my consumer report pursuant to USC 1681a ( 2 ) ( B ). I am demanding that you remove these transactions from my report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41. Pursuant to 15 USC 1692k- Civil liability I demand XXXX dollars for each violation as you have caused severe damage to my character.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Paid this debt that entered in to collections on XX/XX/12 and it is still reporting on my credit report.

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 2020-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Account under the name ( XXXX XXXX ) is currently reporting on my Transunion illegally. And is in violation of FCRA rules. Section 1681.

: The account currently reports misleading, Unverifiable information including Unverifiable balance. A violation of FCRA rules : The account currently reports inaccurate last date of activity a violation of FCRA rules : The account currently reports inaccurate last date of payment. A violation of FCRA rules. Section 1681 : The account currently reports inaccurate terms of agreement a violation under section 1681

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 2018-12-21
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
Capital One -- XXXX  and XXXX still shows I have a debt with Capital One for {$150.00}. 

This account has been off in FULL. I have numerous documentation and Capital One itself will agreed account has been closed and paid off. 

I disputed directly with XXXX  and they refuse to fix it on their report. Same with XXXX. I have contacted Capital One numerous times and was told it takes time but it has been already over 30 days. My credit score is taking a hit of incorrect reporting! 

Account ending in XX/XX/2001 has a XXXX balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-26
Company: National Credit Adjusters, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On Wednesday, XX/XX/2021, I received a call from an unknown number at XXXX XXXX PST. I did not answer, but I received the following voicemail message : " Hi this call is regarding a summons being served in XXXX XXXX County to ( states my name and then age ). You will be served at ( my address ) or at my job. This is a process server scheduled from out of XXXX XXXX County courts to locate you at your home or place of business. If you still work for ( company name ) you can expect a legal documents served to you at your work by a process server for court. If you have any questions call the filing part attorneys right away at ( phone number ). I work for XXXX XXXX and my name is Mr. XXXX XXXX XXXX. I could give you more information but you have to call me with your summons ID number ( gives the number ) to get the information. Thank you and good luck in court. '' I then received the same message at my house phone number right afterwards, as well, as my brother in law and sister in law in other states. Several family members have been contacted by this same person and phone number. 

When I looked up the phone number, it leads me to National Credit Adjusters. 

I received in the mail a bill from a different company, XXXX XXXX XXXX with a National Credit Adjusters , LLC listed as the current creditor. I have since paid this bill. 

I am not aware of any other debt with National Credit Adjusters.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: Experian Information Solutions Inc.
State: AR
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 was told by bank lender that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. They do not belong to me and I have never applied for those accounts.

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 2018-12-22
Company: CITIBANK, N.A.
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
When I wasn't able to collect my bonus from Citibank I filed a complaint with cfpb. The bonus then posted. I moved my money to another bank via Citi check and waited for my Citibank checking account balance to show XXXX balance. When I went to close my account and was asked for the reason, I advised Citibank it was very difficult to collect the bonus and had to file a complaint with cfpb to receive it. At that time my account was blocked and I didn't have access to my funds. Citi then took the money back from my bank. 
After multiple contacts with Citi they assured me the money was in the mail as of XX/XX/XXXX and would arrive no later than XX/XX/XXXX. It did not arrive and now Citi states there is a block but will not tell us why there is a block. It appears to be due to the fact we filed a cfpb complaint but we can not verify. 
Today Citibank told us they are closing the account but will not tell us when. They advised us that when it is closed we will receive our money in 5-7 days. Possible the first week of XX/XX/XXXX. We don't have much confidence that they will actually follow through on this statement.

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 2020-07-27
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:
I have a late payment on XXXX credit card. This payment was reported late in XX/XX/XXXX. XXXX extended me an extension because of the Corona Virus. 

Overview You're currently using 86 % of your account 's limit. 
Balance {$3800.00} Credit limit {$4500.00} Minimum monthly payment {$78.00} Opened XX/XX/XXXX ( 3 yrs, 9 mos )

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 2020-06-29
Company: Financial Data Systems
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a validation to this company via certified mail and I received a response however it did not validate that this debt was mine and that they were actually allowed to collect on a debt that has not been confirmed as mine. I receive nothing from them that they are required to send to prove that this is accurate and my debts. However I received a bunch of statements with services and procedures. They are also reporting on my credit reports and they are adjusting the amounts that i supposedly owe in order to re-age this inaccurate and unverified debt.

Company response to consumer: Closed with explanation