BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-18
Company: AMCOL Systems, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a letter saying that I have been placed with a agency for collection. Saying if I don't pay within 30 days they will report it to bad debt collection. I tried calling to find out what the letter was about and got a recording saying to leave my information and they would call me back then went to there website and my computer showed a promoted saying the website was not secure that I needed to back out of the website cause the website has been flagged as a scam. I have no idea about the debt in question and the letter does not explain what it is for either.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, 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:
When I attempt to access my Equifax credit report online to dispute errors, I am asked a number of questions, which are always inaccurate, so I select none of the above, which results in my being told that the info doesn't match what's on file, hence the need to dispute. Calling the company yielded no help whatsoever. I've requested a hard copy three times and have never received one.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
When I returned a rental car to XXXX on XX/XX/2021 in XXXX, XXXX, they claimed there was new damage to the car. I disputed that with them at the time. They claimed damage of {$450.00} I filed a complaint with my XXXX  card issuer, Capital One, stating XXXX  claim was incorrect and denying I caused any damage to the car. 

From speaking with a representative at Capital One, I learned that XXXX  acts as an intermediary between the merchant ( XXXX ) and the card issuer ( CapitalOne ). Capital One contacted XXXX through XXXX XXXX and relayed my claim. XXXX reported back to directly to XXXX   that I acknowledged the damage at the time I returned the car. This is not true. In fact I completed a form denying any responsibility for what they claim to be new damage. ( I should note that the car had numerous scratches, scraped and minor dents all over the car ). 

Capital One told me there was nothing I could do since the determination was made by XXXX  and that there was no way for me to speak directly to XXXX  about the dispute. I have since closed the account, but penalties continue to accrue on the claimed balance owed. 

Is there anything CFPB can do to help me resolve this issue? 

Thank you-

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-10
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: Investigation took more than 30 days

Complaint:
I purchased a car and it was a total loss. The company XXXX was going to be paid in full for the full balance by XXXX XXXX. They have reported the loan late every month eventhough the loan was to be covered because it was a total loss. This has stopped me from being able to qualify for a home loan becaus they should be reporting the balance as {$0.00} amd never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10
Company: CNG FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Someone called me yesterday morning, XX/XX/2019, seven times in a row, and told me they know where I live and work and that theyre delivering a claim filed against me. The man said he is a private investigator and began revealing my addresses and workplace. When I told him I dont even know who he is or what hes calling about, he gave me the number to XXXX XXXX XXXX ( XXXX ) and a claim number, and said hed call me back in 20 minutes to make sure I called them, otherwise, he would be at my work with papers ( even though I told him multiple times not to ). When I called the company, they told me I owed $ XXXX+ from XXXX XXXX XXXX. When I asked if they mailed me anything describing the debt or payment options, they said they handle all correspondence via their private investigators. They took my social security number and birth date. I was afraid and gave them my credit card information because they said no checks can be mailed to them, that they do not take checking account or routing numbers, and that they only accept Visa and Mastercard. I have since canceled this card. When I called back to obtain a mailing address, I was placed on hold for 10 minutes and given the address to an old XXXX store in XXXX, AZ. When I asked for their company name, they said XXXX. They also have no website. Today, they repeatedly called me again and when I didnt answer, they called my father and sister-in-law, telling them I am eluding the police on a past debt and then described their vehicle information to them. I have no idea what to do at this point. I am scared, and this company is harassing me. They are not following any consumer laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15
Company: DISCOVER BANK
State: NC
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:
I am on a payment plan. I contacted DISCOVER last week about making a payment on XX/XX/XXXX for the XXXX month. They told if I do that then my account will not be showing late on the credit report. It shows 30-59 days late. I paid {$170.00} on XX/XX/XXXX. Please fix the error on the credit reports. On all three of them. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20
Company: WELLS FARGO & COMPANY
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:
27th complaint. PLEASE INVESTIGATE. I have made numerous attempts to correct the inaccurate reporting by Wells Fargo via CFPB, DIRECT DISPUTE, AND DISPUTING WITH THE CREDIT REPORTING AGENCIES. I was a authorized user for Wells Fargo account. Some way Wells Fargo has listed me as the co-obligor. The obligor filed Chapter XXXX bankruptcy XX/XX/2019 when the account was not past due. Wells Fargo decided to charge-off XX/XX/2019. Wells Fargo had a XXXX balance and decided that they would charge the account off on XX/XX/19. The XXXX balance is actually interest. Based on the history of the account, the obligor was only paying interest because of a 12 month no interest. After the last dispute, Wells Fargo waived the {$300.00} balance and advised of a {$21.00} refund but still reported inaccurate, negative reporting to my Credit Report. Paid Charge-off is still negative. This account/scenario should have never been charged off. PLEASE DELETE THIS TRADELINE OF MY CREDIT. THE INACCURATE CREDIT HAS DAMAGED MY REPUTATION AND CREDIT RATING. 
XX/XX/2019 Reported as charge-off XXXX XX/XX/2019 Reported as 120 days past due XX/XX/2019- Reported as 120 Days past due XX/XX/2019 Reported as Paid Charge OFF Wells Fargo waived fees of {$300.00} and then advised that a refund of {$21.00} is been sent. This is inaccurate reporting. 
Please Note : Based on the Credit Reporting Resource Guide, an account can not go from Charge-off to Past Due This is inaccurate reporting. 1st of all this should have never been reported on an authorized user credit. 2nd the reporting is inaccurate and not compliant with the FCRA and the most updated version of the Credit Reporting Resource Guide. 3rd a paid charge off is if a obligor pays an amount that was charged off. WELLS FARGO SHOULD HAVE WAIVED THE FEES WHEN THE OBLIGOR FILED BANKRUPTCY AND CLOSED THE ACCOUNT. Due to the inaccurate reporting, Wells Fargo has caused SERIOUS damage to my credit. I have been declined a job opportunity and creditors have lowered my credit limit due to the Serious Delinquency that Wells Fargo has reported. I have made several attempts but continue to receive inaccurate reporting. This is a violation of FCRA and UDAAP. I am requesting that the CFPB investigate my complaint and also review other complaints that are alike. I am holding Wells Fargo, Credit Reporting Agencies, and the CFPB responsible for the inaccurate reporting. I have fulfilled my duties as a consumer in notifying all parties of the inaccurate reporting. PLEASE ESCALATE MY DISPUTE TO YOUR LEGAL DEPARTMENT. PLEASE READ ALL OTHER DISPUTES AND RESPONSES AS PART OF YOUR INVESTIGATION

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 2018-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Please remove the following unauthorized inquiries from my Transunion credit report : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX 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 2019-05-20
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
The following phone numbers have been calling a few times a day during the night XXXX. 
XXXX, also this number XXXX, XXXX. 
I have asked for the name of the company or name of the person calling but They Do Not tell Me or respond. 
I am living in a TIMEZONE 12 HOURS AHEAD OF E.S.T. WE are living in XXXX. So If a person or company wants to call they MUST call during evening hours as it is day time here. 
The debts they are calling about started with XXXX XXXX for a Bad Job that was done on MY wife. I took out personal credit with 2 companies that XXXX XXXX recomended so They could fix My Wifes XXXX.This started in 2018. WE started paying then stopped but still are paying some but WE are past due on All of these accounts. 
Thank You for all You do.

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 2021-08-05
Company: LoanCare, LLC
State: NE
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
The home was refinanced on XX/XX/21, making our next monthly payment due on XX/XX/21. The payment was made on XX/XX/21 for the full amount, plus {$10.00} to principal. Then, another payment was made on XX/XX/21 for the XX/XX/21 due payment. The payment was not applied correctly for the XX/XX/21 and now they are reporting us to the credit bureau 's as delinquent. They have open numerous tickets to resolve this issue, but have yet to correct it and complete the issues. This has been ongoing for 2 months now, without resolve. In the meantime, we continue to get harassing phone calls to collect a " past-due '' amount for 2 month 's of mortgage payments. Now we are blocked from accessing the online portal- as that is a privilege provided by the mortgage loan servicing company. Now we can only communicate with the default department.

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 2019-05-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
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:
Portfolio Recovery if you would please contact XXXX again to remove the account XXXX  from my credit report I have sent them many times your response to CFPB to remove and to this day they refuse to do so. thank you very much

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: Midwest Fidelity Services, LLC
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I spoke with a representative of this company on XX/XX/2020 about resolving this debt. In the conversation I was informed that part of the debt was interest charged by the original creditor, which was a trash service company. I advised the rep that I didn't mind handling the bill where I received monthly service but I wasn't paying interest. I was told they couldn't do anything about the interest and to contact the original creditor. When I tried to contact them, I was redirected to the new company that bought out the previous one. I was told by the new company they they have no record of anything being sent to collections and that I owed them nothing. They also explained when they acquired the other company, they did not take on any past due accounts so they have no record of it. I contacted the collection agency again today, XX/XX/2020 to find out how they are able to collect on and charge interest on a debt for a company no longer in business. I got absolutely nowhere with the supervisor, XXXX XXXX and she refused to escalate the issue any higher than herself.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10
Company: CAINE & WEINER COMPANY, INC.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I received an alert stating I had a collection on my credit report. When I accessed my report I saw a collection there from Caine & Weiner who apparently are a 3rd party collection agency for XXXX XXXX XXXX. I have never had any business with XXXX XXXX XXXX and did not incur any debt with them. I have no idea how they got my SSN or enough of my personal information to report to the bureaus, but I don't owe them anything!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
On XX/XX/XXXX18 I noticed a credit inquiry I do not recognize. 
I ask that the following Inquiry be deleted from my credit report : XXXX XXXX In addition I request that each CRA provide the source documentation used to verify the validity of this reporting.

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 2019-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
TransUnion and XXXX both continue to display an inadequate and fraudulent collection account on my credit report. XXXX XXXX does not handle there own collections and as a result of a favorable dispute filed against XXXX XXXX XXXX for an account that was completely covered my my XXXX   XXXX XXXX XXXX XXXX plan active during the alleged incident the account can only be labeled as a billing error on XXXX XXXX end or ID theft of some sort. 

XXXX XXXX XXXX now displays the collection under the hospitals name but with there adrress. 

That on its own is out right fraud.

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 2021-06-24
Company: Experian Information Solutions Inc.
State: PA
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:
I have contacted EXPERIAN XXXX  AND XXXX  on XX/XX/2021 to remove all information on my consumer report. As I did not grant permission to furnish any information on my consumer report. All I got was the run around. I have been restricted of living life due to identity theft, because I did not give consent to furnish a report in the first place.

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 2018-09-10
Company: North Shore Agency, LLC
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX made an error on my account, stating I didn't turn in my hardware equipment and tried to bill me for it and sent the account into a collection agency ( North Shore Agency ). 
this was posted on my credit score in XXXX  and negatively impacted my credit score, dropping it from a XXXX credit score to a XXXX credit score. Numerous calls from North Shore Agency bothering me about this and me having proof of all bills paid in full and hardware equipment being dropped off to a XXXX location with the date and tracking number, serial numbers of the equipment being returned to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
Company: Universal Recovery Corporation
State: CA
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:
Where do I start. This is my SECOND complaint against XXXX XXXX. The first one in XX/XX/2020, they were very rude and disrespectful to me and of course that issues wasn't reply to. Now here we are again. I have a letter from them stating that the balance is {$77.00} and the interest was {$3.00}. Now when I call to pay the amount, XXXX is trying to tell me I owe {$200.00} XXXX!! I will gladly pay the {$77.00} but I AM NOT gon na pay more then that unless they can show me proof as to why the total has changed since the letter I have received from them on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
Company: Bread Financial Holdings, Inc.
State: WV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Comenity Bank/XXXX  - I never missed a payment. I paid every month in full and on time. I closed the account after it again was paid in full in XXXX. I am consistently receiving harassing calls that I can not talk to answer, stop them or anything. The calls JUST started in XXXX. I do not understand why. I have not had an active XXXX MasterCard in YEARS. No debt. This report is 100 % fraud/misreporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-11
Company: EQUIFAX, INC.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
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:
The following are incorrect inquiries on my report. I did not authorize these. 

XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/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 2018-03-20
Company: EQUIFAX, 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:
The following are incorrect inquiries on my report. I did not authorize these. 

XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
SYNCHRONY BANK has closed multiple accounts that were in good standing and an asset to the consumer and XXXX. Closing consumer credit accounts and Indirectly reporting on my private consumer report without my written instructions, in Violation of Consumer Federal law 15 U.S. Code 1681b - Permissible purposes of consumer reports.

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 2020-06-23
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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine

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