BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-04
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: Investigation took more than 30 days

Complaint:
Please Please Please Help Me I have submitted dispute letters to XXXX XXXX asking for incorrect and inaccurate information to be investigated and removed. THEY WILL NOT COMPLY with the law of FCRA. its been 45 days and no response. i have asked for names/addresses of entities reporting inaccurate info on my consumer report for 3 years now and i haven't been given no response to my request. Example : if XXXX XXXX  submits reports on me then i need to know its XXXX XXXX.and there address and phone contact. Experian responds to me 3 months later after i requested a bankruptcy on my consumer report with " The bankruptcy on your report has not been changed because the Company '' that reported it verified its accurate ''. I Also have a letter from the bankruptcy court on an official letter head stating that the bankruptcy court doesn't submit ANY info to consumer credit bureaus. So who is this " Company '' Experian is referring to. AND WHY IS EXPERIAN BEING SECRETIVE ABOUT WHO IS REPORTING INACCURATE INFO ON MY CONSUMER REPORT. AFTER I HAVE ASKED FOR INFO/COMPANY/ADDRESS/POINT OF CONTACT BUT EXPERIAN IS REFUSING/AVOIDING TO FURNISH THIS INFO TO ME THE " CONSUMER '' Experian SOLE PURPOSE IS TO FURNISH UNVERIFIED INFO ON A CONSUMER REPORT WHERE ITS A VIOLATION OF THE LAW CAUSE THEY ONLY SEEK A PROFIT FROM REPORTING. CAN YOU PLEASE HELP ME OR PLEASE PLEASE PLEASE REFER ME TO LEGAL COUNSEL ASAP. ENOUGH IS ENOUGH. I REFUSE TO LET EXPERIAN TO CONTINUE RUIN MY LIFE FOR FAILING TO " OBEY THE LAW ''. i HAVE ATTACHED LETTER THAT I SENT OFF ON XX/XX/2022 AND IT IS NOW XX/XX/2022 AND STILL NO RESPONSE. AND IF I DO RECEIVE ONE IN WILL BE NEXT MONTH AND THEY WILL NOT INCLUDE ANY INFO I ASKED FOR. ONLY EVASIVE ANSWER SUCH AS " '' The bankruptcy on your report has not been changed because the Company '' that reported it verified its accurate '' I NEED TO KNOW WHO THIS COMPANY IS SO THAT I MAY ADDRESS MY GRIEVANCES WITH THEM AS WELL AS EXPERIAN .... ( CFPB PLEASE HELP ME )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-12
Company: Experian Information Solutions Inc.
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 Act, the following are in violation of personal consumer rights : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX First, 15 U.S.C 1681 Section 602 A : guarantees a right to privacy. 

Second, 15 U.S.C 1681 Section 604 A, Section 2 : Does not allow a consumer reporting agency to report account information ( without permission ). 

Moreover, to correct credit reporting agency records, in the removal of inaccurate and non-updated information, XXXX such requests were made to Experian and XXXX. However, with less than a three-day response, these credit reporting agencies claim to have completed a due-diligent investigative effort. In the interim, Experian and XXXX continue to furnish and display unsubstantiated account details -- without permission. 

Furthermore, Experian continues to list ( as primary ) an incorrect version of my legal name. Additionally, to allow for legal dispute, the credit reporting agencies fail to identify complete ( and accurate ) account numbers.

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 2017-10-07
Company: BARCLAYS BANK DELAWARE
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Your problem options did not actually have my issue so I checked closest. This is kind of a small thing but it concerns me they are doing it to everyone ; when I applied for my XXXX XXXX XXXX credit card online, there was a checkbox, already checked, to expedite receiving the card for an extra {$15.00} fee. I unchecked the box ; I was in absolutely no hurry. But they expedited and charged me anyway, and when I complained, they said they could not reverse that charge because " the application was received online. '' As though that somehow made it impossible for it to be wrong, I guess? First, that box should not be checked automatically to begin with, and second, I am POSITIVE I unchecked it. 
{$15.00} charges, over a lot of people, for something that probably costs them much less than that, is making them a lot of money and in my case, at least, was fraudulent treatment. People are probably just glad to get approved, it is n't all that much, how many people will bother to complain ; I hope a lot of us do and they have to pay us all back some day.

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 2017-10-07
Company: BARCLAYS BANK DELAWARE
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
XXXX has refused to replace a lost credit card despite innumerable telephone and online requests. They provide no explanation for their failure to assist me.

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 2023-02-11
Company: JPMORGAN CHASE & CO.
State: TX
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:
I did not authorized this bank to pull my report for inquiry on XX/XX/21 and XX/XX/21.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-15
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
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: Account information incorrect

Complaint:
Because of Corona 19 Pandemic, I have a hardship, I called my mortgage lender Bay View / Community Loan Serving and I asked for help on XX/XX/2020. I was told that I will be in the forbearance program ( attached documents ), My credit report shows 13 months Mortgage payments late beginning XX/XX/ 2020. The bank has been pushing me to get my mortgage account current and I am doing my best. None of my family members or friends have late payments on credit report while they were in the forbearance plan. I am requesting that the bank correct the 13 mortgage payments late in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
XXXX XXXX can now respond to the letter that I'm have attached for your viewing. 
Here is the timeline of how I have been trying to get in touch with XXXX XXXX I sent a letter via fax to the number XXXX. On XX/XX/2020. I waited a couple of days and try serval time to reach here by phone. To make sure the fax has received no answer there the phone line kept asking for an extension which was not provided! 
On XX/XX/2020. I called Khols Corporate office at ( XXXX ) XXXX. The operator gave me her at XXXXStill with no Acknowledgement so now here 's my second attempt to get in contact with her through the CFPB. 

I have attached my response letter at the bottom of that email is four-way XXXX XXXX can get in touch with me! 

Thank you for your time XXXX XXXX Happy Holidays

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: Phoenix Financial Services LLC
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I had to be the one to play phone tag and find out who had my debt because I was never contacted. I found out that they had received my debt on XX/XX/2022. I called on XXXX XXXX XXXX to find out about my debt. I let them know that according to the Fair Debt Collections Practices Act that they did not contact me within five days of receiving my debt and because of that my debt is now invalid and it needs to be thrown out. I was told by a supervisor that it would be cancelled and they would be sending a letter to my address within 10 days that verified that it would be removed and cancelled. On XX/XX/2022 I called again because I had not received any notice like I was told I would be getting. Speaking to the supervisor, I was told that I was lied to and that they can not cancel the debt and send out a letter verifying the cancellation. I was told that it was still being disputed and that I may still owe if they find it to not be disputable. I let him know about the Fair Debt Collections Practices Act and by not removing the debt that they were in direct violation of it. When I had mentioned that, he got very pushy and rude and essentially told me that nothing is going to change and it is still being disputed. Then I was hung up on. I called back about 10 minutes later to try and get it removed and the same thing happened with the other supervisor that I talked to. I told them that I never signed any forms or papers stating that I agreed to this debt and that they are in direct violation of the Fair Debt Collections Practices Act. They then told me that I will need to wait because they are still disputing it with themselves. Throughout the whole process they as a company had violated almost every part of the Fair Debt Collection Practices Act and they did not seem to care and got very angry with me and hung up on me multiple times when I had mentioned the Act to them and how they were in direct violation. Also throughout the whole process I never received any verifying information from them or even a letter stating that they had my debt. The debt collections agency was Phoenix Financial Services seeming to be located in XXXX, IN.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01
Company: Receivables Management Partners, 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:
XXXX is reporting a duplicate collection in the amount of {$140.00} for the RMP SERVICES LLC partial account number XXXX. ( Please see page 4 of the attached credit report. ) This incorrect reporting is harming my credit score and is a violation of the Fair Credit Reporting Act. Please remove this line item from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28
Company: Paramount Recovery Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not have any outstanding medical claims with any company. This is not my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-07
Company: Resurgent Capital Services L.P.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The debt was paid in full in mid XXXX ( {$110.00} ). Then they took another {$55.00} out of my account on XXXX. Then mid XXXX they sent a statement showing they owed me a refund on {$55.00}. Despite this they took another {$55.00} out of my account which then caused an overdraft charge from my bank of {$35.00}. I have contacted them and they said send documentation which was on XXXX/XXXX/XXXX ( both faxed copies of everything and mailed copies of everything ) Since this time they have locked my account online and will not respond to my emails or inquires.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-07
Company: Law Offices of Robert A. Schuerger Co., LPA
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am currently paying this debt to XXXX XXXX they are collecting XXXX from me. This debt collection is causing me severe XXXX. I am a XXXX XXXX with severe medical issues who is making monthly payments to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-07
Company: EQUIFAX, INC.
State: FL
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:
several attempts have been made through mail and fax for Equifax to update the spelling of my name, I 've sent my drivers license and voters regristration and they still refuse to correct the spelling and update my report. My name is not spelled XXXX it is XXXX and it seems like no matter how many times I send them the info they do nothing. 2nd I have credit monitoring on my phone which alerts me when there are changes in my credit report and score, on XXXX/XXXX/XXXX I recieved an alert and checked and saw that a collections was removed from my credit report ( XXXX XXXX ) and lucky I took screen shots just in case issues like this happened, on XXXX/XXXX/XXXX I recieved an alert, Equifax added the collection back on to my report with no prior notification, no anything, I was down to XXXX collections and now I have XXXX. Last it took them over 30days to respond back to my letter that was sent over a month ago. Photos are I closed when they removed it and then added it back

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: CITIBANK, N.A.
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:
Payments were made to XXXX MASTERCARD ( 17 ). I pay my bills by XXXX bill pay, so one digit was put in incorrectly into the system, the payments got lost in the system. It was caught many payments later. I explained what happened to XXXX. After months of dealing with overseas tele representatives, who really did not know what was going on, they decided that I really wanted the payments that I made on my card to be made on my husband`s card. NO notice give, they took the credits from my account and put them on my husband`s account. Is that even legal? I have all the transaction and trace numbers. I really would like this matter to could to some resolution and quickly. I even had one representative tell me " that`s a lot of payments for one month ''. meaning, I must have meant some of them for my husband. 
payments start from : XX/XX/XXXX XXXX {$75.00} XX/XX/XXXX " {$75.00} XX/XX/XXXX " {$100.00} XX/XX/XXXX " {$100.00} XX/XX/XXXX " {$200.00} XX/XX/XXXX " {$150.00} XX/XX/XXXX " {$120.00} XX/XX/XXXX " {$300.00} XX/XX/XXXX " {$250.00} XX/XX/XXXX " {$100.00} XX/XX/XXXX " {$75.00} XX/XX/XXXX " {$100.00} XX/XX/XXXX " {$75.00} XX/XX/XXXX " {$75.00} XX/XX/XXXX " {$50.00} XX/XX/XXXX " {$75.00} XX/XX/XXXX " {$75.00} XX/XX/XXXX " {$50.00} All these payments were deducted from my account and deposited to my husbands account, however they should have been deposited to his account and my account left. I have all my credits for my accounts too as proof of payment, that they were meant to go to my account. I am not a well person and we have financial difficulties as are many families at this time. we certainly do not need this. 
One foot note to add is I pay all the house hold bills, so the check will have my name on it, but the account number is my husbands. the fourth from last digit was incorrect on the account. my number is nothing like my husbands number.

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 2020-10-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ME
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 set up a payment plan with Capital One, and went online yesterday XX/XX/XXXX to pay an agreed upon amount. I noticed I was charged a late fee. I chatted with an agent who told me that while a payment plan is in place fees can still be charged. 

I paid the amount agreed today and tried to get them to agree to not charge fees for the two month period it will take me to bring the account current. The agent would not agree and the agent then said that they couldn't agree to the payment plan, which certainly means they will charge me more late fees. 

I am unemployed, a single mom, and waited 8 weeks for my unemployment back payments to come through. I am trying to catch up as best I can but I will never get out of debt if I am continuing to have to pay late fees and extra interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
I am writing to you with the purpose of explaining the request for dispute for the charge of {$790.00} from XXXX on XXXX of this year. 
I originally signed up for a promotional offer of one month free towards the end of XX/XX/2018 in which they promised me a 40 % share of voice advertising on zip code XXXX, then, by XXXX the calls stopped coming in, when I called them they explained that other realtors bought in the zip code and now my percentage had dropped to 18 % when they had promised that the zip code was locked in and that nobody else would be able to buy in, I immediately requested cancellation of the service and asked that they dont charge my card because this was bait and switch which is an illegal practice in the United States, however, they never acknowledged or accepted my cancellation and said that a my representative XXXX XXXX would call me back, he never did and they charged my card without my permission. I continued to call and write emails requesting immediate cancellation and left several voicemails, and XXXX never acknowledged or accepted my cancellation. In view of my endless efforts I contacted Capital One to request a dispute of the charge, after six months of sending supporting documents to my credit card, they denied my request. 
I humbly ask that you review these facts and help me with this situation. Please feel free to call me anytime if you need anything further. 
Kindly, XXXX XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-15
Company: SUNCOAST CREDIT UNION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I paid off my mortgage with XXXX XXXX XXXX  on XX/XX/2021 and was advised that a satisfaction of mortgage would be submitted to the county of recording XXXX XXXX County FL ) within 60 days as required by state law ( based on my knowledge and review of Florida requirements of mortgagees ). 

I called XXXX XXXX XXXX  on or around XX/XX/2021 to request status of the document as it was nearing the 60 days requirement. I was advised they were backlogged and could not give an ETA on when the document would be submitted, but that it would be completed as soon as possible. As of XX/XX/2021 XXXX XXXX XXXX still has not filed the satisfaction with the county clerk.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
This student loan was in a repayment plan up until XX/XX/XXXX when I was told that the remaining debt was considered satisfied for less than the full balance following the plan completion. My parents received collection letters beginning in XXXX for an outstanding balance but I was never directly contacted. When I contacted XXXX XXXX XXXX about an outstanding balance of over {$1100.00} spanning 3 accounts in XX/XX/XXXX, I spoke with a representative and informed them that I had already paid off the balance following a repayment plan ending in XX/XX/XXXX. At that time, XXXX informed me that their legal team would investigate the account. Upon completion of the investigation, they informed me they would cease collection activities. I did not pay this account off in XX/XX/XXXX since it was already paid off as of XX/XX/XXXX, so the credit reporting incorrectly reflects the account as in a collection status from XX/XX/XXXX through 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