BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-09
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Today I got a credit alert from XXXX and there was an alert that decreased my credit score. The alert was on an inquiry from Capital One Bank XXXX XXXX, XXXX XXXX XXXX Utah, XXXX from XX/XX/XXXX ... Last time I checked it 's XX/XX/XXXX. I  called the bank listed with the number provided. They checked their data base against my information and of course I did not show up in any of their departments due to the fact, I did not apply for credit with this bank. I believe XXXX and their employees are maliciously damaging my credit from previous complaints. They are adding accounts that are not mine, XXXX XXXX account that was allocated by the store of purchase to my ex husband, I have disputed. They fraudulently adding inquiries, they are fraudulently increasing my debt to credit ratio. Something MUST BE DONE! This is the third time I 've made a formal complaint, two to the FTC and one to the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
TransUnion I have disputed this account for 6 months with you XXXX, the XXXX, CFPB, FTC, Attry Gen CA no one can get any evidence on this account that I made it or its mine in XX/XX/XXXX I filed a fraud alert as also got a pin from the IRS because someone was using my information. Enclosed is copies of responses that show there is nothing .I know you claim you do an investigation but you can n't tell me that these Goverment agencies can n't to better than you in a investigation because they get no response also. I contacted the FTC XX/XX/XXXX by phone they had nothing to report also REMOVE THIS ACCOUNT FROM MY CREDIT REPORT as you state if it is not verified it is removed I don't mean by old information you use but by up to date investigation as these company 's have tried. Please do not send me a templete responce THERE IS NO EVIDENCE THAT I MADE OR APPLIED FOR THIS ACCOUNT. REMOVE IT also any response I get will be forward to the CFPB FTC

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 2020-08-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NE
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This company has even attempting to collect {$980.00} on a credit card that I have never had as a result of my actions.Ive reported that this is fraud and identity theft on multiple occasions sent letters and disputes. Company keeps trying to collect and refuses to clear the debt from my credit bureau and from collection. There is only one XXXX XXXX card on my report. It closed in 2013 for a {$300.00} limit. The charges made on this account were unauthorized and not made by me!! The credit bureaus arent even taking the FTC or tax fraud reports they arent blocking. I am a victim of identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-15
Company: EQUIFAX, INC.
State: VA
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:
On XX/XX/2020, i submitted a dispute to equifax in regards to inaccurated bankrupcty being reported on my credit file by equifax. I submitted evidence to equifax showing that the address and the name of the person in the bankruptcy case they say belongs to me did not match my name or my address and for those reasons the information should be deleted from my credit profile. However on XX/XX/XXXX they replied stating that they verified the information and it was reporting accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 disputed this collection on this XXXX XXXX   XXXX XXXX for months.XXXX and XXXX have reversed them but TransUnion is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''

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 2020-05-13
Company: EQUIFAX, INC.
State: MD
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 charge off on my credit report for XXXX XXXX XXXX  with a balance of {$8600.00}. I don't believe this is my account and have no knowledge of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26
Company: ProCollect, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. I mailed a letter, certified, tracked and registered, as well as other documents to ( Procollect Inc ) which included an affidavit of Identity theft, three police reports from the XXXX XXXX Police attesting to and stating that my identity had been stolen on three different occasions, in three different years. Account ( s ) were opened in my name, without my knowledge, as a result of identity theft. After receiving this information via a certified, registered and tracked letter ( Procollect Inc ) continues to report the unknown fraudulent account ( s ) on my credit report ( s ). The account ( s ) are : XXXX ( {$680.00} ). ( Procollect Inc ) did not respond to my request either.

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 2021-05-04
Company: EQUIFAX, INC.
State: LA
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 someone has used my identity i had my purse stolen from a gas station in XXXX here we are XXXX please help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06
Company: EQUIFAX, 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 tried to come to an agreement with the bank XXXX XXXX. I wrote, emailed called and sent letters they just charged off my account and submitted it to collections. I submitted disputed with Equifax to no avail. This my last hope to be able to get this resolved and try to fix my credit. I never not wanted to pay on the contrary I had always paid on time and fell on hard times but I still wanted to come to an agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21
Company: Pendrick Capital Partners Holding, LLC
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Starting on XX/XX/2020 company called and I answered the call. Someone claimed that I owed a debt and then asked for me to verify my identity. They provided part of my information which was correct but part of my information which was incorrect. After advising to them this sounded like a phishing attempted, they abruptly ended the call. 

XX/XX/2020 I received a letter from Affiliate Asset Solutions , LLC. The letter had part of my current address and part of my previous address. I called the number on the letter to speak with someone. While on the call, I made more than several attempts to explain that this debt is not mine but eventually the person abruptly ended the call. 

XX/XX/2020 A entertainment consulting company I used to perform for received a phone call with the following messed : " This message is intended for -- -- --. My name is XXXX XXXX, and I have been tasked with serving. You sealed and notarized paperwork within the next 24 hours. No failure to sign will be marked as a refusal in the process is going to proceed without you. If you have any questions or concerns, please contact the office for further assistance. Their direct number is XXXX. And when calling, your reference number is -- -- --. You have officially been notified. '' On the same day I received the same message on my business consulting number. Both calls were from a 'Blocked ' number. 

XX/XX/2020 the same 'Blocked ' number, it must be the same because I NEVER received blocked number calls, called but did not leave a message.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I have the same company calling for both me and my husband and neither of us owe the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
This started a few weeks ago ... .. I started noticing that when I made purchases with my American Express Serve card they were adding some type of additional fee charge while on hold. It happened at the grocery store last week and it was almost {$30.00} over the purchased amount. It also happened at XXXX and making a payment on XXXX. Then Ive been using it the last few days with XXXX and noticed the same thing was happening. I just did some figuring and it looks like they are adding 15 % to the purchase amount while the transaction sits on hold for 2 to 5 days. I have had this card active since 2014. I have also had my payroll direct deposited onto this card for the past 4 years. I have tried calling for assistance but no one answers and I have read stories online that they will now lock your account if you complain. 

I noticed that others were complaining about these hefty hold charges on other review websites. Why are they are allowed to do this? I feel this is a criminal action and I will be going over to the ATM today and withdrawing my funds out and closing this account. American Express apparently sold the rights to Serve card to another company a few years ago ... .. XXXX . I dont understand how these big companies are allowed to misuse customer money like this. Im working limited hours during this pandemic and every dollar counts right now. If they are doing this to me ... .. then they are doing it to millions of others who use this card and making a lot of money in interest on these funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23
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:
XXXXXXXX XXXX is reporting a secured loan to my credit report, showing a balance of {$720.00} but I dont have an account with XXXXXXXX XXXX or the XXXX XXXX app. 

My admin fees failed when I tried to apply and they mistakenly reported the installment loan to my credit anyways. 

On the XXXX app its telling me to create account which definitely means that I dont even have an active and open credit builder account with them. 

I called XXXX and XXXXXXXX XXXX and tried to resolve it but they seem to not care to delete their error. 

I dont even know how Im suppose to make payments on account I dont even have. 

Can you please investigate and delete the account below. 

The account number is XXXX Date opened : XX/XX/2020 Original Loan Amount : {$720.00}

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 2019-01-21
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have a Huntington checking account ending in XXXX. The account is tied to my credit card that is also with Huntington.

If my checking account has a negative balance, there is a " cash advance '' that takes place making my account go positive. My credit card has and had availability of {$180.00}. That could have easily paid for a {$16.00} payment and {$19.00} payment. However, they did not let this feature take the course for no apparent reason and I lost {$75.00} in two NSF fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-03
Company: Colony Brands, 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: Account status incorrect

Complaint:
In XX/XX/2020, they reported to the credit bureau I did not make a payment and I was late. The account was never late, I made the payments. They made a mistake on my account and did not credit a late fee. This was there fault the late fee was finally credited and the account was current.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09
Company: E. A. Uffman & Associates, Inc
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ACCOUNT LISTED DOES NOT BELONG TO ME AND IS SHOWING 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 2018-10-17
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Been fighting XXXX and Equifax for three years to report correct information. We supplied XXXX, Equifax and XXXX with a FAXED ( right from XXXX ) paid in full letter from the creditor XXXX XXXX XXXX, ( attached ) showing that the date paid in Full, XX/XX/XXXX was before the, " as of delinquency reporting in XX/XX/XXXX'', and there was no balance, of {$120.00}, yet they refused to remove the inaccurate information and update accordingly. I also complained to XXXX, multiple times in which they sent me the Paid in Full letter again and claimed they were going to contact the bureaus. I also filed a complaint with CFPB which I didn't get any accurate results and just the runaround. I had to file again with the XXXX against XXXX XXXX XXXX in XX/XX/XXXX in which they responded and sent me a letter claiming they had corrected my Credit reports ( attached ) and that I was in good standing dated as of XX/XX/XXXX, yet a month later I applied for credit and this account was showing up 90 days late, through a third party creditor but getting information directly through the main bureaus. XXXX the only ethical bureau at least removed the account from my report in XX/XX/XXXX. During this time I have had to get many loans with my credit compromised due to these Credit Bureaus not doing their job and abiding by the law. I has cost me money by having to have a higher interest rate as some scores were different by as much as 50 points with basically the same profile. XXXX, has claimed they contacted the Bureaus many times to report correctly, with no results and this went on for 3 years so far. I do not understand how this is lawful business.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23
Company: Self Financial 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:
XXXXXXXX XXXX is reporting a secured loan to my credit report, showing a balance of {$720.00} but I dont have an account with XXXX XXXX  or the Self lending app. 

My admin fees failed when I tried to apply and they mistakenly reported the installment loan to my credit anyways. 

On the Self app its telling me to create account which definitely means that I dont even have an active and open credit builder account with them. 

I called Self and XXXX XXXX and tried to resolve it but they seem to not care to delete their error. 

I dont even know how Im suppose to make payments on account I dont even have. 

Can you please investigate and delete the account below. 

The account number is XXXX Date opened :XX/XX/2020 Original Loan Amount : {$720.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23
Company: SYNCHRONY FINANCIAL
State: MN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Amazon store credit card through Synchrony credit company advertises in Amazon website that if you apply for their card you can pay off the purchase with up to 12 equal monthly payments given the purchase is more than {$150.00}. 
I have applied for this card only because of this promotional offer and even though I have an excellent credit score ( over 750 ) with a combined credit line of over {$40000.00}, amazon store card only approved me for {$140.00} worth of credit. This limit is low enough to prevent me from using the promotional offer of the equal monthly payment. I find their process of credit line approval deceiving and would like to report this issue.

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 2020-11-04
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX did loan modifications in 2008 for our house. 

It was a 40 years mortgage split in two parts : 1- 1st XXXX  on {$360000.00} @ 2 % starting rate. 
2- 2nd XXXX XXXX {$89000.00} without baring interest or payments. 

We have been paying our mortgage payments on time without missing any. 

Shortly after, XXXX XXXX sold the loan to S P Servicing company. 

Our current interest rate is 5.125 % for the remainder of 40 years contract. 


Why the S p servicing doesn't adjust our loan payments accordingly knowing the fact that our interest is adjustable on the loan, in comparison with the going interest rates given by lending institutions are below 2 % at the present time. 

We have been struggling to pay our mortgage all these years on time, and currently we have our house for sale due to financial difficulties. 

My request from you is to get REIMBURSED for all over charged interest rates we have been paying to S P Servicing all these years. 

Please advise as what action you will take to resolve this issues. 

Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: CAPITAL ONE FINANCIAL CORPORATION
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 have always paid my account on time every month thru the website that the company provided and i always received notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and I tried disputing it with the company because I had paid it and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have happened since they have intermittent problems with their website. Please help as this is affecting my ability to get the best rates on a home loan and this was not my mistake.

Company response to consumer: Closed with explanation