BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
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 had brake work done on my vehicle at XXXX store # XXXX, during which the vehicle was not repaired properly and in fact damaged along with services charged but not done. I promptly reported this to Capital One within days of receiving my statement and they supposedly began the dispute process in XX/XX/2022. I provided their requested documentation as soon as I could obtain it. No time deadlines were given in any of the correspondence with them. As I completed the documentation process in XXXX I was told they had everything and to hang tight. 
After receiving a letter in late XXXX stating they still didn't have everything, I called and was told i needed one of the second opinions signed so i got that done in a few days and sent it in. A week or so later I get a letter saying I've exceeded the time frame to submit a claim. When I called about it the supervisor at Capital One admitted they screwed up and that I was not informed of their timeline, and in fact they had all the information to submit the claim but they themselves waited too long. I feel this was intentional and if it wasn't, then they're totally incompetent. I would like this matter reported to the highest level as I do believe this is not an isolated incident. Their excuses as to why they couldn't file a chargeback are 100 % invalid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: Commonwealth Financial Systems, Inc.
State: NM
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is a followup complaint to CFPB Complaint ID # XXXX. Commonwealth Financial Systems, Inc sent documentation in response to that complaint which proves that I am not the person they are pursuing with the debts which they reported to my credit. 

1 ) I have never resided at the address that they have listed for " XXXX XXXX '', which per the attached documentation is XXXX XXXX XXXX XXXX XXXX, CA XXXX 2 ) I have no associates or dependents or family members named " XXXX XXXX '' or " XXXX XXXX. '' 3 ) No members of my family or myself took ambulances on XX/XX/2014. 

Therefore, I am not the person who owes this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30
Company: Phoenix Financial Services LLC
State: AR
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was sent a letter by Phoenix Financial Services, LLC in XXXX, XXXX, which was recently discovered AFTER this collection group reported a debt from XXXX XXXX, XXXX to all three reporting agencies in XXXX, XXXX. The debt lists the creditor as XXXX XXXX XXXX, in the amount of {$820.00}. When I contacted Phoenix Financial, they had no other information other than the unnamed physician was on staff at XXXX XXXX XXXX XXXX, but did not know where. They were not the original creditor as I was told, nor did they have any other information about this presumed debt. I was told they could get this information and for me to allow three weeks to receive it. Under the Fair Credit Reporting Act, they are to have the original file in their possession prior to any reporting to the three major bureaus, which they did report on XXXX XXXX, XXXX. 
I want this item removed as they failed to follow proper protocol - I knew nothing of the debt as my insurance would have paid the entire claim. I was not notified, yet XXXX XXXX XXXX turned me over to XXXX XXXX, and XXXX, causing my credit score to drop XXXX points.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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 XXXX Acts Capital One, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for d purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30
Company: Collection Information Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am filing a complaint against this collection agency due to shady and unprofessional collection tactics. I had previously reached out to them because they obtained an old medical bill for services in XX/XX/XXXX and reported it to XXXX. This bill originally belonged to XXXX XXXX XXXX for {$200.00} which does billing for XXXX facilities and not XXXX XXXX as this agency reported. I had made a payment arrangement with XXXX of {$15.00} a month and the rep that I spoke with years ago advised that it would not be sent to collections. At the time that service was rendered at XXXX XXXX XXXX, I was unemployed and had no insurance. Then my account was sent to collections with no notification ; only the negative account on my credit report. Fast forward to XX/XX/XXXX when I discovered this collections account, I spoke to one of their reps, XXXX. I gave her my new address and contact information. She advised, " that if I paid this bill in full, she would definitely remove this account from my credit report. '' I researched this collection agency and they have a multitude of complaints filed against them. They have an F score with the BBB due to  deceptive collections tactics which are strictly forbidden by the Fair Debt Practices Collections Act ( FDCPA ). Since I was suspicious of the rep 's offer, I sent her a Pay for Delete Agreement letter and asked for her written confirmation or signature as an assurance that she would fulfill her verbal agreement. Needless to say, she denied my request and therefore I withdrew my offer. This collection agency is renown for lying to consumers just to collect on a debt. I just checked my credit report today and this agency is still reporting this adverse account which is affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX Bank XXXX original creditor XXXX and XXXX XXXX balance has been paid in full and satisfied as of XXXX/XXXX/XXXX. This matter has been resolved out of court.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
In Accordance With The Fair Credit Reporting Act XXXX  Account XXXX, Has Viotated My Rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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 2022-08-09
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:
I am a victim of identity theft. Fraudulent applications were submitted with my personal information to XXXX XXXX XXXX and XXXX XXXX in late XX/XX/XXXX. As a result, there are related inquiries showing on my TransUnion credit report. On XX/XX/XXXX a dispute was submitted to TransUnion on my behalf against these fraud-initiated inquiries. Since that time, XXXX subsequent disputes have been sent on my behalf. However, as of today ( XX/XX/XXXX ) these fraud initiated inquiries continue to report on my TransUnion credit file.

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 2023-06-13
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2022, I received an alert about a new inquiry on my credit report from Bank of America. I do not have a Bank of America account, nor did I apply for any new account with them. On my credit report, I can see that the name provided to XXXX was my first and last name, but the middle name was not mine, nor was the address provided one that I use. I first contacted XXXX to have them remove the account, who told me that I would need to contact Bank of America. Upon calling Bank of America, I am unable to speak to a representative unless I have an account number ( the robo prompt will not let me progress without an account number ). I then contacted XXXX again, and was told that I needed to file a police report and mail it to them for them to remove the inquiry.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30
Company: AES/PHEAA
State: DC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Addendum to case # XXXX XXXX - approved for XXXX based repayment -- payment is much lower than I 've ever paid, but my family size and income have remained the same XXXX - called to make sure XXXX payment amount is correct ; account rep said my family size was incorrectly input as XXXX. Account rep says that it was probably an input error. I checked my form later and there 's no way I filled in I had a family of XXXX. Now, I have to resubmit my XXXX application with correct family size ( which is nothing, because it 's just me ), even though it was their fault, and I had to figure it out.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-30
Company: BB&T CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
My transaction history is completely different than my account history I 've spoken to them there third-party costumer service tells me im lying that that ca n't be I asked them to check they said no I 've went too threw separate branches have been told people would call me back nobody calls back they call the people who can see the account they say I ca n't read my account they tell them no he 's reading it rite then they say we should do a balance check and they refuse

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 2017-04-20
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Debt collection
Sub-product: Auto
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
from  XXXX  -2017 I have b een asking Santander Consumer Usa for VALIDATION of this debt that they claim I owe them. I have send letters to all the major credit bureau requesting validation and they always tell me that it has been verified by the company through a computer system that sends codes, what is that, that 's not fair to Consumers I need physical verification or validation that is determineing I owe this Debt no he say she say

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: SYNCHRONY FINANCIAL
State: WA
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 synchrony bank and XXXX XXXX XXXX violated my rights.

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account with out my written instructions.

15 USC 1666B : aCreditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17
Company: EVERBANK, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
We applied for a mortgage loan with Ever Bank for our new home and they are asking us to pay {$5000.00} as a deposit to lock in the rate without even giving a loan estimate with proper closing costs in writing. We shared our details with the loan officer including our XXXX 's income information and details of the property we are in contract with. We asked to pay {$5000.00} to lock in the rate without giving a proper loan estimate with details of the loan as per TILA laws/disclosure guidance as per XXXX Details of loan officer. 
XXXX XXXX Loan Officer T. XXXX C. XXXX F. XXXX XXXXXXXXXXXX XXXX ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 have recently checked my credit report because I was getting notifications of inquiries being reported or added to my report, I was ignoring them at first because I didn't understand what they were saying, I recently checked XXXX XXXX it told me I had 35 inquiries with Transunion and 13 with XXXX along with XXXX none of which I applied for credit, or gave consent to financial institutes to run my name or social. Im not really sure how this came about but I would like to get it resolved in a timely fashion. I am attaching the police report along with this complaint in regards to the inquiries that were ran without my knowledge or consent.

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 2018-11-26
Company: Financial Credit Service, Inc.
State: FL
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:
Received a call from ARA XXXX XXXX. Claimed I owed XXXX, used my SS # and was vague about the issue. I hung up and he called back and said that since I did so I had proven my guilt. I called back and asked him what I was guilty of? 
He sounded like a scam artist.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
Recently I tried to apply for a car loan but to my surprise I was denied because of false inaccurate reports on my consumer report. I have acquired a copy of my consumer report on XX/XX/2022 and to my surprise TransUnion was reporting FALSE INACCURATE information to my consumer report by marking an account in collections as " open '' and by having inaccurate balances. On XXXX I disputed This inaccurate information with TransUnion nicely asking to remove the account for negligence and for violating my FCRA rights under 15 USC 1681 ( a ). 15 USC 1681 ( b ), 15 USC 1681e ( b ), 15 USC 1681e ( e ) ( 2 ), 15 USC 1681a ( d ) and TransUnion is currently RE-AGING this account which is a violation of FCRA sec.605. On XX/XX/2022 TransUnion responded by saying this account is " verified as accurate ''. How is this account verified as when TransUnion has not verified the ACTUAL date of last activity and XXXX has the real " date of last activity '' THIS IS FRAUDULENT AND ILLAGAL UNLESS TRANSUNION CAN SUMBIT MY PAYMENTS RECIPTS FOR THIS ACCOUNT. PLEASE REVIEW MY CONSUMER REPORTS FROM DATES OF XXXX TO SEE TRANSUNION HAS NOT VALIDATED THIS ACCOUNT AND HAS BEEN VIOLATING MY RIGHTS UNDER FCRA SEC. 605 RE-AGING DEBT!

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 2019-09-06
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:
XX/XX/XXXX I Have sent out numerous letters with attached proof of identity, bill, and social security number asking for everything stated on my credit report to be fixed and everything false to be removed. They did nothing but, ask me to submit the proof I've sent with every letter. I've sent numerous letters and have it all time stamped proofs.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
This is actually the second time I am contacting due to Wells Fargo charging me for forced placed insurance and adding all these fees-I have never been late with a payment nor have I ever had a lapse in my homeowners insurance held by XXXX XXXX since the time I purchased the home. The gentleman that was handling this complaint with Wells Fargo stated he had fixed the problem and credited my account but as you can see through the attached files they have not-I know there is a class action with the Auto finance department but I believe their practices go beyond the auto department. As you can see from the statement that there is still a charge for insurance for XXXX and now they have just added another XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: ALLY FINANCIAL INC.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
XX/XX/XXXX - The auto loan was paid off by my auto insurance at the amount of {$16000.00} as the result of total loss. The title was released to the auto insurance the following month. 

-XX/XX/XXXX - Received the bill from Ally stating I am being owed {$2000.00} See the file attached : XXXX XXXX XXXX, XXXX - Received the bill from Ally stating I am being owed {$1700.00} See the file attached : XXXX attached XXXX XXXX, XXXX - My lawyer sent a letter to Ally. See the file attached : XXXX XXXX XXXX attached. 
XXXX XXXX, XXXX - Ally 's response. See the file attached : Ally Response XXXX XXXX, XXXX - Received the bill from Ally stating I am still owed {$2100.00} See the file attached : Ally_XX/XX/XXXX -XXXX XXXX, XXXX - My lawyer again sent the letter to Ally. See the file attached : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX, XXXX - Received the bill from Ally. See the file attached : Ally_XX/XX/XXXX -See the file attached : Ally call history

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 2019-11-28
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Today XX/XX/2019 I received a message that one of my credit cards ( XXXX XXXX  ) is over the limit.this information is incorrect the card is not over the limit. XXXX XXXX sent me this message. I tried to get online to dispute this wrong information with XXXX but they wont let me online it kept saying error message and not able to complete my dispute. Having this wrong information has dropped my credit score.

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