BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX has attempted for 7 years to get this debt paid. I owed this to Captial One credit and was opened in XXXX not XXXX and i cant get this cleared. i have made continuous complaints and still not taken off my credit. This is unlawful to attempt a debt that has exceeded its time limit to put on my credit report. Also fictitiously reported that it was opened in XXXX and was not.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03
Company: Diversified Consultants, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX # XXXX I took a month by month by month mobile plan with them with my own paid up phone. I was require to put a deposit plus 1 month payment ahead. I cancelled my services after about a year to take advantage of XXXX 's incentives and XXXX XXXX XXXX is charging me {$190.00}. They have used 4 collection agencies that had reported me to the credit bureau and I tell them the situation and ask them to produce a contract that I signed showing that I owe this and non can produce one and XXXX XXXX XXXX can not produce it. The present collectoris : Diversified Consultants Inc. XXXX XXXX XXXX XXXX, FL XXXX tel # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorize on my credit report. I want to open an investigation and solve my problem because is affecting 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
Consumer complaint received 2020-09-04
Company: SYNCHRONY FINANCIAL
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I lost my job due to COVID. I sold my property to pay off my debt. The credit card company refused to provide any relief of all the extra charges and wanted to know where I was getting the money to pay them. I told them we sold everything we owned to settle and I gave them authorization to have my wife settle the account. They kept asking me where my money was coming from and refused to allow my wife to resolve the account. I asked for relief before and I always get a bad connection and can not understand the person that answers. All I wanted was a supervisor to resolve my account and she refused. They want to keep charging me high interest and penalties. They are abusing their power during this crisis. XXXX XXXX Synchrony Bank has been horrible during the crisis to try to work with.

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 2020-12-01
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2020 I sent a dispute letter to LVNV Funding, XXXX  and XXXX  credit bureau regarding a collection/charge-off that was opened in 2020. XXXX and XXXX  is listed separately on my report with 5 inaccuracies. XXXX  isn't reporting on this account at all. It is well over 30 days and there is still 5 inaccuracies listed on the account and it hasn't been updated or removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
My name is XXXX XXXX. XXXX please remove any other variation of my name. I was going over my credit report and I noticed that there are several errors. My current and only address : XXXX XXXX XXXX XXXX, OH XXXX. I have attached my proof of ID. The following accounts are not mine I have never had an account with these companies : XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete you may have violated federal law, I have sent a complaint to the FTC and the Secretary of State here in OHIO. The accounts is not accurate I have asked several times for contracts or documentation I have nothing in my records.

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 2020-08-30
Company: CITIBANK, N.A.
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Dear Sir or Madam : I was the Citibank credit card holder since XXXX. However, I experienced a really tough or very unprofessional customer service provided by the Citibank in XX/XX/XXXX. I asked the Citibank to close my account at XXXX XXXX  on XX/XX/XXXX, which was shown as RED font in my supporting document attached. I thought the Citibank had closed my account. However, the Citibank didn't do it until I found that the Citibank has been damaging my credit score on XX/XX/XXXX. Four months passed after I requested the Citibank to close my account. 

So I called the customer service to close my card twice between XXXX and XXXX on XX/XX/XXXX. My calls were picked up by two different customer representatives. One call lasted 10 minutes and the other call lasted less than three minutes. These two customer representatives talked to me and knew my call to close the account. However, they said they need to transfer my calls and hung it up. This is a really bad service. 

Then I used the online software and had the account closed, which was shown as RED font in the supporting document attached. 

I complain that the Citibank violated the contract that the issuer should close the account when a customer requests. The Citibank intended to force its customer to stay longer in the contract. This time it was four months after my request. I ask you our government to inspect the  behavior of Citibank. 

Thank you very much 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 2020-12-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
On XX/XX/2020 I filed a dispute of fraudulent charges on my Bank of America pre paid debit card from XXXX. Claim # XXXX. I had just found out that someone intercepted my card and spent the money {$20000.00}. Since XXXX 2020 I have called repeatedly to BofA prepaid card, services been on hold over 20 hours and when I do reach a human, they are unable to tell me anything about my claim except its processing which tells me nothing. I have submitted everything I was asked to and they say they have received it. I have not received anything in the mail, no email, no text msg or phone call. I have not received a credit to my account. BofA has supposedly has " Zero Liability '' for fraudulent charges. I guess just not for me. EFTA states banks have to investigate claims and/or credit the account within 10 days of original report, this clearly has not happened. The stress of having someone steal from you is sickening but having to deal with the stress that Bank of America is putting me through is unbearable. I am a widow, a single mom, its the holidays, rent is due and I have mouths to feed and no money. The victims of fraud are being treated worse than the people who committed the fraud. There has got to be something that someone can do to help me but yet I have found no one. Any advice?

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 2018-03-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
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 XXXX oversees my XXXX XXXX  store card. XXXX XXXX XXXX   claims that I was late in the month of XX/XX/XXXX ; I was only informed because of a credit alert that came to my email on XX/XX/XXXX.

My wife paid my bill, and made two extra payments in calendar year XX/XX/XXXX ; we have never missed or been late with a payment.

In XX/XX/XXXX my wife called the XX/XX/XXXXXXXX  automated system to ascertain the amount of our payment for the month. The automated system stated that no payment was due - {$0.00}. She paid the payment for the month of XX/XX/XXXX assuming that the payment would not change, as she had made 2 additional payments inXX/XX/XXXX, and the automated system stated no payment due forXX/XX/XXXX.

I called XXXX XXXX XXXX   immediately upon receipt of the alert on XX/XX/XXXX and was informed that we had not paid inXX/XX/XXXX or XX/XX/XXXX and that the amount due was over {$160.00}. I paid them {$200.00}, and explained that their had been a mistake. Had we known that a payment was due in XX/XX/XXXX we would have paid it, and the XX/XX/XXXX payment, which they did receive in XX/XX/XXXX would have sufficed.

I have submitted disputes with XXXX  and XXXX XXXX. XXXX XXXX XXXX did remove the late fees, and did remove the late payment fromXX/XX/XXXX but refuses to removeXX/XX/XXXX, even though a payment was received. I also informed XXXX XXXX XXXX that their automated system may have been mistaken, and recommended that they investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: Atlanticus Services Corporation
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have tried numerous times to have this fraudulently applied account with my pertinent information resolved. I have sent an identity theft report through the FTC and have received a letter with negative feedback from Aspire Credit Card Co. stating that after a review of all relevant documentation available from their records, merchants and other information that I have been found responsible for said account. 

Letter states that when I called to dispute this credit card account that they match my telephone number to the telephone number used to activate credit card as well as address on account being my address. This is an absolute fallacy and I demand to view proof of all documents that they are claiming to have proven this account to be mine. That would include the original application to the account, place of employment, phone numbers and signatures to obtain credit. 

It stands to reason that when disputing I would use my actual phone number as well as actual address to verbally dispute and send documents for some resolution for this fraudulently open account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: EQUIFAX, 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:
I recently came across my updated 3 bureau report and noticed that my credit scores drastically changed. I was very disappointed so I went over it and found out that I am a victim of identity theft. Knowing my rights under FCRA 605B ( 15 U.S.C. 1681c-2 ), I want you to Block the information resulting from Identity Theft. These accounts do not belong to me. I am writing to request that you block or remove the following fraudulent accounts from my credit report immediately : The information provided is not relating to any transaction by the consumer. I have enclosed a copy of my Identity Theft Report and a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft FCRA 605b ( a ). Please let me know if you need any other information from me to BLOCK OR REMOVE this information from my credit report. Please kindly DELETE this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have been a victim of identity theft. I have unauthorized INQUIRIES on 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 2020-08-30
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I need to change my escrow settings for new property taxes that I owe. It is 100 % impossible to get my loan servicer ( LoanCare ) to communicate with me. Their phone service has no ability to speak to a person whatsoever, it's entirely automated and very limited. I have sent several emails with no reply.

I did not choose to use LoanCare, my mortgage was sold to them without my permission. This complete lack of customer service is unacceptable.

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 2020-12-01
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have disputed the errors on my credit report multiple times but it is still showing on it. The credit buraus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.

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 2020-05-14
Company: Experian Information Solutions 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:
XXXX ; Experian and XXXX are reporting incorrectly that I am ( 120-180 ) days late on the DEPTEDXXXX partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; XXXX and XXXX. Equifax and Transunion are reporting incorrectly that I am ( 120-180 ) days late on the DEPTEDXXXX partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I 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 2022-10-03
Company: Experian Information Solutions Inc.
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX # XXXX, Account Name : XXXX  XXXX # XXXX, Account Name : XXXX XXXX XXXX XXXX XXXX XXXX, Account Name : XXXX XXXX/XXXX  # XXXX, Account Name : Dept of Ed/XXXX # XXXX, Account Name XXXX XXXX XXXX XXXX XXXX XXXX, Account Name XXXX XXXX XXXX # XXXX, Account Name : XXXX  # XXXX, Account Name : XXXX XXXX XXXX XXXX # XXXX XXXX Account Name XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX XXXX. # XXXX, Account Name XXXX XXXX XXXX XXXX XXXX # XXXX, Account Name : XXXX  # XXXX, Account Name XXXX XXXX XXXX XXXX  # XXXX XXXX5 U.S.C. 1681 section 602 A. States I have right to privacy.

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

15 U.S.C. 1681c. ( a ) ( 5 ) Section : States no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2020-12-01
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:
I recently came across my updated 3 bureau report and noticed that my credit scores drastically changed. I was very disappointed so I went over it and found out that I am a victim of identity theft. Knowing my rights under FCRA 605B ( 15 U.S.C. 1681c-2 ), I want you to Block the information resulting from Identity Theft. These accounts do not belong to me. I am writing to request that you block or remove the following fraudulent accounts from my credit report immediately : The information provided is not relating to any transaction by the consumer. I have enclosed a copy of my Identity Theft Report and a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft FCRA 605b ( a ). Please let me know if you need any other information from me to BLOCK OR REMOVE this information from my credit report. Please kindly DELETE this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

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 2020-07-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I have tried to get a new card Express shipped and it's been 6 days and I have yet again had to order a new card again

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 2020-05-24
Company: EQUIFAX, INC.
State: NE
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:
A collection account was removed from my credit report from XXXX XXXX XXXX and my credit score only went up 5 points. My credit score should have increased at least 23 points for the removal of a collection account.

Company response to consumer: Closed with explanation