BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-09
Company: Credit Management Services, Inc.
State: NE
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received notice in the mail that I had a judgment filed against me for XXXX. I paid this online through the Nebraska XXXX system on XXXX/XXXX/XXXX. on XXXX/XXXX/XXXX XXXX XXXX XXXX filed a garnishment with my company XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
i REQUESTED A 2ND CREDIT CARD FROM CAPITAL ONE. THEY THEN RESTRICTED MY 1 ACCT AND THE 2ND CREDIT CARD FOR FRAUD. I HAVE SENT THEM FRONT AND BACK ID, SOCIAL SECURITY CARD, STATEMENT FROM MY BANK WITH A NAME SHOWING MY CHECKING ACCT # AND ROUTING NUMBER WITH MY NAME AND ADDRESS. BLANK CHECK FOR DIRECT DEPOSIT SET UP WITH ALL MY INFORMATION AND MY BANKS. I LIVE WITH MY MOTHER XXXX XXXX WHO IS A MEMBER AND HAS 4 CARDS WITH CAPITAL ONE.SHE ADVISED THEM UTILITIES ARE IN HER NAME AND LEASE AND EVERYTHING. THEY REFUSE TO UNRESTRICT MY ACCTS SINCE XXXX. THEN THEY ARE MANDATING I SEND IN IDENTIFICATION FOR 3 PEOPLE I ASKED TO BE ADDED AS AUTHORIZED USERS THAT I ASKED TO BE REMOVED AS AUTHORIZED USERS JUST SO THEY CAN REMOVE THEM. THIS WAS ESCALATED MONTHS AGO DUE TO COMPLAINT WITH CFPB AND THEY STILL DID NOTHING TO RECTIFY THIS. I HAVENT BEEN ABLE TO USE THE OLD CREDIT CARD ACCT AND NEW CREDIT CARD ACCT SINCE BEFORE XX/XX/2021. THEN THEY CLOSED THE ACCT WITHOUT MY PERMISSION AND LEFT THE ORIGINAL ACCT RESTRICTED

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
These XXXX accounts aren't mine. Please remove them.

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 2018-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Notwithstanding your instruction above, in the interest of brevity and efficiency, the attention of CFPB is invited and directed to CFPB Complaint # XXXX dated XX/XX/XXXX versus " XXXX XXXX XXXX , XXXX '' of XXXX, OR. ( " XXXX '' ; " the Complaint '' ). 

The underlying referenced matter was a disputed claim for services by " XXXX ( OR ) XXXX XXXX XXXX ( XXXX ' ) - Claim for Services Acct. # XXXX - XXXX XXXX '' XXXX 's claim was denied by XXXX XXXX to XXXX by Certified Letter dated XX/XX/XXXX. 

Consequent to the Complaint and the actions taken on my behalf by CFPB, the wrongful debt collection reporting was immediately and satisfactorily removed from my XXXX  and XXXX   credit bureau reports in XX/XX/XXXX. No additional credit collection activity or reporting has been engaged by either XXXX or XXXX  in this matter. However ~ and only now in XX/XX/XXXX ~ has it come to my attention that the collection reporting was never removed from the TransUnion credit bureau report and wrongfully remains there today with consequent prejudice to 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 2022-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-24
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
The credit bureaus have added fraud alerts to my files. Instead of investigating my disputes the credit bureaus have sent fraud claims to my creditors when fraud was not claimed. I asking for investigations of items that seemed incorrect, inaccurate, or not mine ... Fraud alerts without my phone number are useless ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2018 I went to the bank I have a account with checking, and savings I used the bank ATM machine to make a deposit a check a friend written to me for working for her the bank did not make the funds from the check {$350.00} available to me they put the check on hold and my account was negative {$360.00} on XX/XX/2018 I went to the bank and used the ATM and deposit 3 cash deposits for {$130.00} {$95.00} {$95.00} to cover the negative balance of {$360.00} because the bank did not make the check deposit for {$350.00} available in my checking account and the bank put a hold on my account I called the bank and tried to resolve the issue they was very rude, and nasty to me the bank have a hold on my account it is not fair because I did deposit cash in my account to pay the negative balance of {$360.00} and they have restricted my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I received an email from the XXXX XXXX stating my account had been locked due to multiple failed attempts to access the account. I call as directed and confirmed it was not me trying to access my account. I have not made any charges on the account in over a year. It was confirmed that no charges had been made on the account. I was unable to locate my credit card at the time so the account was closed and another opened. I recently received a credit alert. So, I checked my credit report to find XXXX  and Equifax had dropped my credit score tremendously. Upon reviewing it I realized there were two incorrect reports. Both stated I had an increased balance on the military star card. Yet, both had a previous change of account reported by the XXXX XXXX. I contacted the XXXX XXXX. I was told they only reported a change of account. I then disputed the increased balance with XXXX  on XX/XX/XXXX stating there was an account change and the previous balance was transferred to the new account. I receive a response on XX/XX/XXXX stating the investigation was complete and the information was accurate and would remain on my credit report. There was no new charges my balance did not increase had they contacted the XXXX  it would have been confirmed. I was not able to submit a dispute with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22
Company: MRS BPO, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
My employer and family members are getting repeated phone calls from MRS associates. My father specifically has been receiving multiple phone calls a day from them and has been informed by someone at there office that I currently have an outstanding debt which is a violation of my rights. This debt has not been verified and I feel harassed and embarrassed that my private information is being shared with others.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
ftc violations : sent police report 3 years ago people out there doing bad things with my information the address claim caused XXXX  XXXX XXXX XXXX to be late that goes against fair bill act not sending payment to the correct location is against the law to report without giving a fair chance to pay debt. Also XXXX XXXX, XXXX XXXX account it's law What is covered under the Fair Credit Billing Act? 
The FCBA allows you to dispute charges and temporarily withhold payment without hurting your credit score. If you've been charged for a product or a service by mistake or were overcharged on a recent purchase on your credit card, a decades-old law called the Fair Credit Billing Act can step in to help. 


sorry respect XXXX XXXX XXXX bless

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 2018-02-28
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
My XXXX XXXX was rejected on XX/XX/XXXX. I tried to log onto my account but access was denied. I called a phone number that was provided and they indicated that the account was locked for suspicious activity but could not tell me any details. The asked for the last four of my SS, my home phone number, my cell phone, my wife 's cell phone, my email, my wife 's email. After getting all of this additional information, which I did not want to provide, they said it was not adequate for them to authenticate who I was. They said they would send documents in the mail that I would have to complete. I called back on XX/XX/XXXX to tell them that I never received the documents and they told me to give it a few more days. I called back today XX/XX/XXXX and they said that they did not send out any documents and that I would have to send them a copy of my utility bill and a copy of a picture ID. I told them I am not comfortable providing this information and they told me there was nothing they could do without this information. 

I am concerned that the personal information that I have already provided will not be adequately safeguarded. 

I talked to someone in customer service who said they would mail me a detail account of what is due so that I could pay it. I am concerned that this will not actually be mailed given my experience so far. I do not want to be in the position of having to pay the balance due on XX/XX/XXXX without seeing details for that balance.

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 2018-04-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Capital One has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11
Company: Fay Servicing, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We were in CH XXXX bankruptcy which was dismissed. Fay Servicing sent us a statement dated with an arrears of {$26000.00} due XX/XX/XXXX. We borrowed from friends and family to pay that amount but Fay Servicing says its in foreclosure and additional fee are added. Tbey will notvyake payment. I have aoent over 3 hours on phone being transferred from person to person and different acount managers. No one seems to know or care. They had wanted us to get a modification at a higher interest rate and over {$7000.00} in fee. I just want to pay and get my account in order and save my house. 
PLEASE HELO..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have contacted XXXX personally, submitted a dispute with Experian as well as contacted the consumer protection bureau regarding this matter. XXXX is Continuing to report inaccurate information to Experian credit reporting bureau. XXXX is reporting one ( 1 ) inaccurate account from XXXX XXXX 's XXXX ( XXXX ) times ( acct number XXXX ) another inaccurate account ( acct number XXXX ) XXXX ( XXXX ) times and two additional inaccurate accounts ( acct number XXXX and XXXX ). The continual reporting of these inaccurate accounts is a violation of the Fair debt collection Practices Act as well as Fair Credit Reporting Act. These inaccurate accounts should be removed from my credit report immediately.

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 2019-01-23
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
LVNV Funding and Resurgent have been trying to claim I owe them money for a collection account that I don't know where it came from. After an entire year of sending certified letters monthly asking to send validation of said account they only come back with a letterhead from there company, each and every time. I can not trace this debt on any of my credit reports. LVNV has failed to provide any sort of validation linking this said account they are trying to collect on to my ssn. I have also submitted a complaint with the SC XXXX. I've sent numerous certified letters to this company every month for an entire year. I am asking for this account to be deleted once and for all from my credit reports as they have failed to provide any accurate information linking said account to my ssn let alone an agreement bearing my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I have a co-signer in my loans, my father, who has never co tributes to my loans repayments and had been unemployed for the last 2 years. Hes nearly XXXX. Im married with no children. My husband and I have a home together at a fixed rate of 4.2 % interest and a mortgage of {$2200.00} a month. Our combined income is {$160000.00} - {$170000.00} a year depending on over time my husband is eligible for. I have one other payment I make on a car for {$280.00} a month.  However Navjent wont release my co-signer because of my debt to income ratio. My greatest and only debts are my loans! This is propsterous and they wont tell me what income I would need to qualify for realsing my co-signer. Whats more, I cant refinance and consolidate until hes released. Ive tried several time with other browsers and internally with navient and thats the repsonse I get. One of my loans for has an interest rate of 13.25 %! I believe they are willing my and jnkwly denying my request to prevent me from qualifying for refinancing options with no reasons for denyin. My request for advising me on the qualifications I would need to get it approved. Every time I apply they pull my credit so I cant just keep trying - tried in XXXX and XXXX with no change in response or favorable behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
MCM has sent me a letter threatening to sue me for a creditor that I have never had. XXXX XXXX. Through out the letter they state that they are forwarding the matter to an attorney if I dont pay. From everything I have read this is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28
Company: U.S. BANCORP
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our mortgage loan is due XX/XX/XXXX with a grace period til XX/XX/XXXX to pay with no late fee accessed. Went to make XX/XX/XXXX payment on XX/XX/XXXX and the website was under maintenance and would be back up running on XX/XX/XXXX. Made the payment on XX/XX/XXXX when the website was back up but was assessed a {$200.00} late fee since it was past XX/XX/XXXX. Contacted the mortgage company and spoke with XXXX, XXXX - manager then XXXX - supervisor to try and have the late fee waived since we were not made aware of the website maintenance in advance. They said we were not sent notices via email, mail etc. however had we gone on to the site one week prior when they put the announcement on their website we would have seen it was going to be down during that time. I explained to all 3 that I don't go to the website but once a month to pay my mortgage so notification should have been sent and since it wasn't the fee should be waived. Please help in having this refunded. Thank you. 

XXXX 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 monetary relief
Consumer complaint received 2019-01-23
Company: CL Holdings LLC
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I check my credit reports often, I noticed a collection from XXXX XXXX XXXX, it said I owed XXXX dollars from an account that was opened on XX/XX/XXXX, well there's a problem, I was XXXX from XX/XX/XXXXtill XX/XX/XXXX, I disputed the account, XXXX almost immediately took it off my report on XX/XX/XXXX, XXXX and XXXX   came back saying the account was verified, with no explanation as to how, I dont understand how one agency removes the collection and the others dont

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
On XX/XX/2020 I received my statement and there was a charge that I questioned. Two days later I received notice from Capitol One that my account was closed. On XX/XX/XXXX I sent Capitol One the balance I owed, {$500.00}. On XX/XX/2020 I received a bill from Capitol One. I sent them notice that they ( Capitol One ) had closed my account in XXXX. 
In XXXX, and XXXX I again received a bill and again I sent them notice that they had closed my in XXXX. I have never received any reply from Capitol One.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: FREEDOM FINANCIAL NETWORK
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Fraud or scam

Complaint:
I started working with Freedom Debt Relief to settle 7 debts valued at {$67000.00} in XX/XX/XXXX. Included in those debts were creditors XXXX XXXX, XXXX XXXX, and XXXX Card Services. I found out later that these creditors do NOT work with debt settlement companies a fact that was confirmed when all three creditors filed lawsuits against me. I ended up paying XXXX XXXX in full, negotiating with XXXX Card myself after entering into a settlement agreement. In XXXX, XXXX, I called Freedom Debt Relief to ask how much it would cost to settle up the four remaining debts and get out of business with them as I was very dissatisfied with the service they provided. They told me the amount was {$19000.00}. I cashed out my XXXX to pay them and my other creditors off. The payment cleared their accounts on XX/XX/XXXX and to date they have not paid out all the monies to the 4 creditors they actually had settlements for. In addition to add insult to injury, they attempted to withdraw an additional {$540.00} from my account AFTER receiving my payment of {$19000.00}. I would like to get my settlement fees refunded to me because I am really not sure what I paid over {$10000.00} for. My credit was destroyed ; my good name was sullied because of multiple lawsuits ; my future has been impacted by me taking money out of my retirement account just to climb out of this mess. These people should not be in business.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: Experian Information Solutions Inc.
State: FL
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:
XXXX In Accordance with the Fair Credit act XXXX account # XXXX, has violated my rights. 

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