BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
Capital One Credit Card has a line on their statements reading ***important tip*** pay at least the Interest Saver Payment by due date to avoid interest on new purchases, but the amount is lower than actual new purchases. The difference is added to the amount owed, or reduces principle already paid down. The end result, statements intentionally prevent you from paying down balances if you follow the directions on the statement

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: FlexShopper, Inc
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2021 I contacted XXXX  XXXX XXXX And I spoke to XXXX XXXX , she was very professional but did not resolve my problem. This company is reporting me to credit bureaus that I owe them {$790.00} which I never had anything with this company or company they represent ( FLEXSHOPPER ) I informed XXXX that I was victim of a fraud and already emailed her police report and ID to prove my identity. 
I want XXXX XXXX to fix this issue ASAP, they ruined my credit score by almost 50 points with reporting something that is false.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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  and Transunion are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX  XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I had stopped using this XXXX XXXX  XXXX account completely. The only reason I have kept it is because it is one of my older accounts. I thought I had removed the autopay for the car insurance which is usually paid bi-annually from this card. I never received any correspondence that this account was in jeopardy. I was however, receiving numerous SPAM calls from representatives claiming to be from XXXX XXXX XXXX. There was a clear language barrier from the people making these calls so I am not sure from where the calls were coming from. I didnt think there was any reason for concern so I didnt follow up with XXXX XXXX XXXX to inquire as to whether my credit card account was in jeopardy. I did not know there was a late reporting on this card until I obtained a recent copy of my credit report. I tried contacting XXXX XXXX  XXXX to explain the circumstances of the situation but I was never able to reach a supervisor to assist me. At the time this card was opened my credit limit was {$15000.00} and was then reduced to {$500.00}. I thought this was suspicious as well. I have tried numerous times and have asked XXXX  XXXX XXXX to remove this late since clearly it is reporting in error however, I have not been successful. This false reporting of a late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this but have not been successful.

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 2021-09-13
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
We closed on our mortgage on XX/XX/2021 and the closing attorney wired the funds to our servicer the next day. Two weeks goes by with no contact and Rushmore returns the funds back to our attorney. Our attorney tried to resolve the issue however Rushmore would not speak to them even though I did sign an authorization release form I called on Thursday XX/XX/2021 Rushmore and they stated they needed to send a new payoff statement. Finally received the letter on Tuesday XX/XX/2021 of which my attorney wired the money again. 

{$250000.00} showing on the payoff letter received dated XX/XX/2021, {$250000.00} wire sent. 

Called Rushmore today, XX/XX/2021, loan still not paid off, showing delinquent on their website and no call from them. As of now they still have to call me back. Not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
On or about XX/XX/XXXX I requested a copy of my credit reports from all three credit bureaus by mail. I included my ID, social security card and a recent bill/statement. I did not receive a copy of my credit reports, so I requested them again around XX/XX/XXXX. I ended up pulling a report online from a credit monitoring service and I found some inaccurate information regarding late payments. I sent a dispute in to the credit bureaus via certified mail this time and each bureau received my dispute by XX/XX/XXXX. As of today I have only received one credit report from XXXX dated XX/XX/XXXX ( just my credit report not a response to my dispute ) and I received a notice from TransUnion saying they did not want to send me my credit report ( they did not mention anything about my dispute ) and a notice from XXXX  saying they could not find my credit file. I have not had any changes made to my credit reports and I have not received a response back from any of the credit bureaus regarding the inaccurate payment history. At this point I feel like the credit bureaus are not doing their job and I am not sure why I can not receive a response about a simple dispute. It has been well over 60 days and I am pretty sure the credit bureaus are supposed to respond by law within 30 days.

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: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have had this Chase IHG rewards credit card for a long time and always paid in full the balance owed each month ( see attached credit card statements showing payment in full each month ). I received a letter from Chase ( see attached statement ) dated XX/XX/XXXX informing me that they were closing my account and listed the reason as : " because our affiliate is ending their banking relationship with you '' I called them to understand what their reason meant, but was told that they could not give me any additional information. 
I then received a check ( see attached ) from Chase telling me that there was a settlement in the Chen vs Chase and that I was entitled to for previous credit cards that Chase had abruptly closed between XX/XX/XXXX and XX/XX/XXXX. See attached. 
So what I fail to understand is that if Chase agreed to pay a settlement for closing accounts between XXXX and XXXX for the same reason that they closed my Chase IHG account in XXXX, how does that make any sense? And by the way my credit scores with all three agencies ranges from 780 to 820 at any given time. 
I would greatly appreciate any help in getting this matter resolved. I do have other credit cards with other banks such as XXXX  XXXX XXXX and XXXX but it is the frustration and anxiety caused me by the revoking of my Chase credit cards ( both in the past and now ). As in XXXX I asked Chase to explain why they took this action and as in this case now, they refused to answer. I even hired an attorney in XXXX to write to them but to no avail. They simply refuse to give any details other than : " because our affiliate is ending their banking relationship with you ''. 
Your help is greatly appreciated. 
Sincerely XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27
Company: CHECK INTO CASH INC.
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
A company named CC Recoveries out of XXXX withdrew XXXX from my bank without my consent. I attempted to contact them about the fraudulent transaction and they did not respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30
Company: Bread Financial Holdings, Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Complaint XXXX about COMENITY CAPITAL BANK. I filed a complaint before comeninty Capital Bank said they would reverse the erroneous fees and close the account. However again I received a statement for months worth of Applied fees and interest on a XXXX balance account which I have been trying to close for months. They sent you a letter agreeing to reverse the fee and close the account. This did not happen. What is my next step in having this company correct this problem? I have stopped shopping the store as a result of this annoying issue. Please advise. 
XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: Paypal Holdings, Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX I bought from XXXX some face masks. Paid thru Paypal amount of {$42.00}. 
The seller ( I'm assuming ) is from XXXX. They have long since went past the due date for shipment. I filed a complaint with XXXX and Paypal. XXXX started to act on the complaint but closed the case because they saw I made a claim against Paypal also. Don't know why that matters or who I should have filed with first. 
Pay pal has done nothing to help. The seller comes back with XXXX saying they are overloaded because of the flu.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-26
Company: Diversified Consultants, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2018, a debt collection agency called XXXX sent me a letter saying that I owed XXXX {$610.00}. The letter was dated for XX/XX/2018, I sent a letter back to them dated XX/XX/XXXX by certified mail thru the post office, disputing the validity of this amount owed. Once they received the letter, they took the amount owed off of my credit report within a few weeks. Now they have come back under a new name called Diversified Consultants, and have put the inaccurate amount owed back on my credit report. Diversified Consultants never sent me a letter or anything of that  nature to let me know that they have taken over the collection attempts of this account. I just happen to check my credit report yesterday and was surprised to see that they put this back on my credit report without the courtesy of contacting me by letter first. I believe that XXXX and Diversified Consultants are one and the same company. Just because they changed their name, they think that gives them the right to pursue this unjustified debt. This new collection attempt is fraudulent, and exceeds the limits of what is proper, fair, and is in total disregard of what is right and legal. This all started when my wife got basic cable in my name over my objections. She was late with the bill in my name, an they cut off services. We turned in the equipment soon afterwards and XXXX continued to bill us for service because they told my wife that we did not call them to tell them to terminate, what they had already terminated. So now nearly a year later, XXXX is back as Diversified Consultants, and expecting me to pay this debt. I need Consumer Financial Protection Bureau to come to my aid and fight on my behalf during this legal dispute. Thank you for your time and your patience.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: Experian Information Solutions 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:
Experian and XXXX  credit bureaus keep putting these fraudulent accounts back on my credit. These have been reported and claimed to be 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
Consumer complaint received 2019-04-26
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, I sent XXXX dollars to an individual, XXXX XXXX at XXXX, using XXXX via my Wells Fargo account. This individual promised two concert tickets in return for my money transfer. The tickets never arrived and the seller stopped communication abruptly once the funds were sent. After speaking with an initial Wells Fargo agent, I learned that XXXX account was with XXXX XXXX XXXX. Despite having an authorized XXXX account through XXXX XXXX XXXX, and despite the fact that Wells Fargos XXXX app verified that the name of the account I was sending the money to was in fact XXXX XXXX, both the banks and XXXX have shown very little intiative or interest in solving this issue. This is a clear case of fraud linked to a traceable account. Furthermore, I spent nearly 2 hours talking to multiple Wells Fargo agents who took my information down, put me on hold, and then disappeared for substantial amounts of time before the phone transferred to a new agent. The final agent filed a claim with zero interest in the details of my situation and would only take the basic information. I am very disappointed with Wells Fargos response to this issue. I was frauded on a service that they endorse and promote and make easily accessible to all customers as the most effective way to send money. The fact that they hold zero accountabiltiy for such a service and are unwilling to provide any assistance to long-standing customers in the aftermath of a brazen incident of fraud is disheartening to say the least. This circumstance showed zero concern on Wells Fargos end in regards to working to secure my trust and money and I can not in faith continue with their services unless so measure of concern and interest is shown to the situation.

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 2021-05-29
Company: CMRE Financial Services, Inc.
State: TX
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 accepted and paid a settlement agreement offered XX/XX/20 for {$450.00} which included complete removal from my credit report. 

CMRE keeps re adding the record to my report after it fell off. 

I got a payment confirmation code but never got payment confirmation letter

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14
Company: CREDIT ACCEPTANCE CORPORATION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have a loan with Credit Acceptance. I am supposed to pay XXXX every two weeks but since the Pandemic I have been paying it monthly {$270.00}. I lost my job and my home so I do my very best to keep my car. I have my bank statements showing I paid and I am not in the rears and these people call me 5 times a day even after I submitted documentation for them to see. They are harassing me when in fact I am waiting on them to check the information that I submitted. I am submitting my phone records to show how XXXX  this is. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: EQUIFAX, INC.
State: MA
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:
ACCOUNT # : XXXX # XXXX i am a federally protected consumer, and I am making this complaint against Equifax in light of recent investigations brought upon them. i find that my consumer file is being irresponsibly tampered with. Over the past year and a half, i have made several attempts to remind you of your duty pursuant to 15 USC 1681. It appears that you're being intentionally and willfully neglectful in remedying my affairs. 15 USC 1681e ( b ) assures that i am due, promised accuracy on my report based on federal law. I am writing this letter as another attempt to have these errors corrected on my consumer report. 15 usc 1681i ( A.5 ) says that after reinvestigation, all of the unverified information must promptly be removed or modified. You can see in your system that these items were previously disputed without being thoroughly investigated and thus I know it can not be verified or validated. I want the personal information updated ( see attachment ), charge offs and late payments removed, and these accounts updated as paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
My complaint is with Experian credit bureau. I noticed a inaccurate public record on my credit report. So I sent my first dispute letter to experian asking for validation of this public record. This was on XX/XX/XXXX. Experian response was it was verified and not validated. I sent a second letter XX/XX/XXXX Stating that according to the FCRA 623 ( a ) ( 5 ) if the credit bureau can not VALIDATE the information they must remove said information from the consumer credit file. Also asking for documents bearing my signature. Experian respond with another verification saying its from a third party, but not validating anything or sending any proof. To make a long story short I send more letters on XX/XX/XXXX,XX/XX/XXXX & XX/XX/XXXX. I also send a letter to the CEO of experian on XX/XX/XXXX.  Experian failed to provide documents bearing my signature, they completely ignored federal law section 623 ( a ) ( 5 ). They have yet to validated this public record of a bankruptcy on my credit report. I also sent them a letter from XXXX stating that they have remove the bankruptcy from there file and they could not validate the said information on my report. This is my complaint against Experian reporting agency.

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 2020-11-06
Company: EQUIFAX, INC.
State: CT
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:
Last year I was working with someone who was supposed to fix my credit they have pictures of my social my license bills. After reviewing my own credit I notice inquires on my credit report that I have not inquired about. When I put my dispute in to XXXX  XXXX  and equifax and to the company reporting this false information they say it is accurate. But they dont send documents showing it was really me. It is easy to apply for credit but to my understanding I had credit lock on my file and any card I applied for and received I had to send in my I D card. Any inquiry without my valid I d card on file has to be fraudulent. I feel they are breaking the law of course someone can write some of my correct identity in thats why its called identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
Last year I was working with someone who was supposed to fix my credit they have pictures of my social my license bills. After reviewing my own credit I notice inquires on my credit report that I have not inquired about. When I put my dispute in to transunion XXXX and XXXX and to the company reporting this false information they say it is accurate. But they dont send documents showing it was really me. It is easy to apply for credit but to my understanding I had credit lock on my file and any card I applied for and received I had to send in my I D card. Any inquiry without my valid I d card on file has to be fraudulent. I feel they are breaking the law of course someone can write some of my correct identity in thats why its called identity theft

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