BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-31
Company: EQUIFAX, INC.
State: SC
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:
XX/XX/XXXX Federal Trade Commission Consumer Response Center XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX : CREDIT COMPLAINT LETTER To Whom It May Concern : I received a copy of my credit report and am disputing information concerning my payment history. Accordingly, I am requesting that you investigate my dispute and add the attached history ofpayments to my credit file under the Fair Credit Reporting Act, 611 ( a ) [ 15 USC 1681i ( a ) ]. Please check the following accounts again accuracy. These accounts were removed from my credit report on the following months. XXXX XXXX removed from XX/XX/XXXX ( 30 day late removed ) dated on XX/XX/XXXX, XX/XX/XXXX ( no longer reported as 30 day late ), and XX/XX/XXXX ( Charge off removed ) credit reports. XXXX XXXX XXXX removed XX/XX/XXXX ( Charged Off Removed ) dated on XX/XX/XXXX and XX/XX/XXXX ( Charge off removed ) credit reports. XXXX XXXX XXXX XXXX ( XXXX ) removed XX/XX/XXXX dated ( Charge Off Removed ) on XX/XX/XXXX. Because the inaccuracies were not corrected, I could not get a mortgage loan and a car loan for my daughter. Not only that but your agency has taken away so much time and stress that was unnecessary. I have spent hours, days and years sending in documents and you fail to clean up my credit file. After explaining why and how the items were removed, one of credit bureau associates refused to dispute/delete the inaccuracies ( XX/XX/XXXX ). I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. Additionally, if you contact any entity ( person or company ) in order to make the necessary updates, please provide the names, business address and telephone numbers so that I may follow up directly if needed. I am requesting your assistance in putting an end to this matter. If you have any questions or need additional information, please contact me at the address listed below. Thank you for your assistance. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , SC XXXX Social Security # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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 a quicksilver credit card that ends with XXXX with capital one that has been open for 6 years. I got behind on payments so I was placed on a payment plan 2 weeks ago and was told if I make a payment for XXXX on XX/XX/20 day that I called which I did and make a payment in XXXX that I will be all caught up. I found out today that my account was charged off. I would like this charge-off reversed and I would like to continue my payment plan. Capital One XXXX. Please help me resolve this situation my credit is very important to me. I really need to get this resolved. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09
Company: RFNA, LP
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
While reviewing my credit report I noticed a collection account in the amount of XXXX with a past due amount of XXXX. Every month the amount changes by {$30.00}. I have sent numerous letter for XXXX XXXX to verify and validate this account all which have gone unanswered. I reached out to the credit bureaus and they keep saying the account is verified. When I asked them how was it verified or to provide me with proof they can not provide any such documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: WELLS FARGO & COMPANY
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
XX/XX/2020 I called Wells Fargo to fix my account and was told it was closed after I went in XX/XX/2020 to report that some got into my account while I was in the hospital undergoing treatment for XXXX. I had no idea that my account was tampered with and thought I had a new account opened to replace old account that was cleared out of over 1500.00 while I was in hospital. Then the bank has closed my account, but I filed with police and person on phone was very rude and I was just trying to get my account info of new account I opened to replace old account of protect myself. However this man degraded and would not let me place a claim against account for money taken out. Instead he pretty much said good luck and I was trying work with bank but this man did not get the memo I guess of how to treat customers. I have a open account but he told me I don't. I just wanted to make sure my paycheck would get misplaced again with them as this is second time I was treated this way by them.I am very unhappy.

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 2019-05-21
Company: ERC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have no knowledge of this credit debt. This debt is not mine and I run multiple business and my credit is very important to me. This debt is drastically impacting my credit score and I need this fixed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31
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:
When I received my credit report. I was blown away when I say late payments on these dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I 'm not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thoughts is my monthly statements did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: Municipal Collections of America Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Bill # 1. amount {$910.00} date XX/XX/XXXX - Village of XXXX XXXX ( insurance company issued a letter that amount charged is too high and the recommended amount was {$650.00} but the company still continues collection efforts for the higher amount. Plus the bill was issued in the minor 's name not including the parent. Collection efforts are against the dependent not the parent ). 

Actions taken by me - included this bill in the Chapter XXXX Bankruptcy repayment plan filed in XX/XX/XXXX but still receiving bills from collection agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09
Company: JPMORGAN CHASE & CO.
State: ID
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
My name is XXXX XXXX XXXX and I had a credit card used in my name for several months in XX/XX/XXXX and XX/XX/XXXX that are affecting my ability to get a credit card now. I 've tried to make payments never to receive a bill again I changed my address two times. I 've gone through several family XXXX had my car stolen fell, into the XXXX XXXX luckily made it out and am trying to better my life by starting my own XXXX and I need to have some start up money in order to build a future literally from the ground up. Please and thank you for your time and consideration God bless.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31
Company: FIRST HORIZON BANK - WEST CONGRESS STREET BRANCH
State: AR
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Credit limit changed

Complaint:
I received a flood insurance settlement check. The check was issued and posted to my account 3 weeks later than it was said to be. The check was put towards my line of credit and I have checks bouncing and being charged for a return fee, when the money in fact is in there. The bank is refusing me access to my own account funds and is telling me they need receipts to distribute out funds. ( for my line of credit ). I 've never had to do this before. I 've been a good customer of theirs for over 14 years and have been through several floods with them. My credit is being ruined, I ca n't pay my bills, or work on my house because I have to provide receipts for the items I purchase. But, I have to have money to be able to purchase anything. And I would be glad to provide receipts. Prior to receiving the check they agreed putting it towards my line of credit was a good idea. After the check was deposited without discussing it or giving any reason, they lowered my line of credit, giving me no access to funds available. Reversed checks they first covered and then returned them and charged me for them.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: The Outsource Group, Inc
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In XXXX XXXX- I discovered a collection account on my XXXX  credit report. It did not disclose the name of the collection agency, only the amount of the debt and that it was medical. I got a copy of my XXXX  credit report to see if it was on there and to see if I could get more information. Sure enough it was, however like XXXX it did not list the name of the collection agency, address, phone number etc- only the amount of the debt and that it was medical. XXXX, on the other hand showed the account and list the agency as Mericredit Account Number XXXX. I sent them a letter of dispute because they never contacted me before placing the debt on my credit. Also I still do know who the original creditor is or what exactly the debt is for. The account has not been removed from my XXXX  and XXXX  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 2020-02-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XX/XX/XXXX I received an email offering for upgrade to a Venture Capital One card which had no annual fee. Over the summer I did a balance transfer to a 0 % APR credit card in hopes of tackling my credit card debt on the above account, therefore leaving my account with a {$0.00} balance. Unbeknownst to me, my previous card did have a membership fee of {$39.00} annually, and I decided to upgrade my card at that time to avoid a fee on a card I would not be using at this time. 

On XX/XX/XXXX I received an email reporting a statement balance of {$39.00} due XXXX XXXX. It was at that time that I made a phone call to Capital One to see if the membership fee was a mistake considering I had just upgraded my card. I was told on the phone that the {$39.00} would be for the upcoming year and since I upgraded my card, I would not be liable to pay this fee and it would be waived. I was told to " allow 1-2 billing cycles for it to come off ''. I remember my phone conversation vividly and know that this is what I was told ; had I been told that I had to pay the {$39.00} I would have cut my losses and paid it right then and there! 

On XX/XX/XXXX I received an email stating I have a balance of {$70.00} which was a {$39.00} membership fee ( which was supposed to be reimbursed or removed or whatever ) + a late fee + interest and it has since been reported on my credit score. I once again called Capital One and this time I was advised that I was mistaken : " we don't have any promotions going on to reimburse a membership fee '' and to write this letter. My excellent credit score of XXXX has since taken a nasty 50+ point reduction because of a delinquent account with 1 late payment, a late payment that ISN'T EVEN REAL!!!!! So not only has Capital One charged me a membership fee on a card I don't have/use, I was charged interest and a late fee and it was reported off as delinquent. Unbelievable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-31
Company: Experian Information Solutions Inc.
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:
I had an account with XXXX XXXX, that was charged off in XX/XX/XXXX.
XXXX bought this debt in XX/XX/XXXX They are reporting it as XX/XX/XXXX I have reported them to the Missouri Atty genl, district atty, and filed a dispute with the credit bureaus they either ignore the complaint, or they say the debt was XX/XX/XXXX.
This is the only negative on my credit report. They deny that this debt is also out of statute.

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 2020-02-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Bank of America charged me 7 overdraft fees over a month totaling {$240.00}, charging me {$35.00} each. I called Bank of America customer service and they refund me just 1 of {$35.00}. If my account is low in funds, they should not honor or let my account be overdraft just that the banks can rip off customer by charging this ridiculous fees. These banks make billions from these illegals fees. We tax payers bailed these bank during the recession and they pay us back with ripping us off. Someone at the federal level please stop this unfair practices to continue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-17
Company: EQUIFAX, INC.
State: IL
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 have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31
Company: JH Portfolio Debt Equities, 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:
I had an account with   XXXX   XXXX  , that was charged off in  XX/XX/XXXX .
JH bought this debt in  XX/XX/XXXX  They are reporting it as  XX/XX/XXXX  I have reported them to the Missouri Atty genl, district atty, and filed a dispute with the credit bureaus they either ignore the complaint, or they say the debt was  XX/XX/XXXX .
This is the only negative on my credit report. They deny that this debt is also out of statute.

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 2020-02-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
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 have previously been a Walmart rewards card holder until the merger from XXXX XXXX to Capital One Bank. They didn't contact me to notify me of the change until a payment was past due. Then they proceeded to report two late payments to the three major credit bureaus. After contacting Capital One, they agreed to reverse this error and issue me refunds for both late payment fees. They also told me to contact the credit bureaus and notify them of this. However, nothing has been changed even though I filed several disputes now. Due to Capital One 's negligence I decided to close the credit card and cease doing business with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31
Company: CITIBANK, N.A.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
on XXXX/XXXX/2017 i opened a citipriority checking account for {$50000.00} with the promise to re ceive {$500.00} after 90 days if the {$5000.00} remained at that level. i couldnt open the checking account on line because i get my mail at a XXXX XXXX . this is because the post off at zip code XXXX does n't deliver the mail in town to my street address. and because my street address is not recognized by the post office i had to sent citipriority all sorts of documents verifying that i have a valid street address. so the account was opened on XX/XX/XXXX and i started receiving monthly statements. as ofXX/XX/XXXX i call the bank to question why i had n't received the promised {$500.00} bonus. on XX/XX/XXXX i received a letter stating unfortunately your account does not qualify for the promotion because your checking account was not enrolled in PAPERLESS STATEMENTS.no one ever told me any time along the process that i had to enroll in paperless statements. when i saw this deal on the internet i told a friend of mine in long beach ca and she went into the bank and opened the same checking account. she was told that she was n't going to receive the bonus for the same paperless statement problem. i have seen on the internet 4 other people with this exact problem.

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 2018-01-09
Company: Experian Information Solutions Inc.
State: MS
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 contacted Experian regarding the inquires that I did not authorize and they refuse to investigate/verify and remove them. The credit inquiries are as follows : XXXX-XX/XX/2017 XXXX XX/XX/2017 Please remove these credit inquires from 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 2018-01-09
Company: NEW CITY FUNDING CORP.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I  Cosigned for a loan on a vehicle for my father in XX/XX/XXXXXX/XX/XXXXThe purchase of the Vehicle was for $XXXX we put down $XXXX  and made 6 payments of $XXXX totaling just over $XXXX dollars leaving the remaining balance of $XXXX dollars The car Had actually broken down and the engine blew due to being faulty the dealership the car had been purchased from blew the check engine light prior to us purchasing the vehicle they had since been turned into the better business bureau and to my knowledge closed down. they repossessed the car and then auctioned it off for $XXXX bringing the balance down to $XXXX when I had last spoken with the financing company NEW CITY FUNDING they had advised me I was the main signer on the account and the would be coming after me for the balance which at that time they had said was about $7,000 I said absolutely not, not only is there no way it's XXXX XXXX  but I also Am not the main signer on this loan I asked the initial amount They would not tell me the initial amount of the loan and kept telling me this was the amount owed due to late fees I told them that is not acceptable not only do they have the incorrect information about whom the main signer is but there Is no way It was up to $XXXX dollars I told the women on the phone not to contact me again until they have the correct information. This was the beginning of XX/XX/XXXX I have no heard anything from this company until they called my Boyfriends cell phone yesterday XX/XX/XXXX and left a message on his voicemail with my name and account number which to me is unacceptable because he has not ties to anything of mine what so ever so for them to even have his phone number is not okay. I then called the account manager XXXX  whom then told me that They were going to be garnishing my wages and they had gone to court which I had absolutely no knowledge of and they are also saying I now owe XXXX for a vehicle they repossessed so after paying them off I wont even have the vehicle also They are not even going after my father the would not tell me if they have had any contact with him and I had to argue with the women for almost a half hour with her trying to disconnect the line multiple times for her to tell me the initial loan was for $XXXX which I never ever signed any paper work for an $XXXX dollar loan I would've told my father no way!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25
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: Their investigation did not fix an error on your report

Complaint:
Equifax and XXXX are reporting incorrectly that I am 60 days past due on the XXXX/XXXX   accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 7, 8 and 9 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1.  This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with non-monetary relief