BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-05
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have been on the phone with Equifax for two hours trying to obtain a login password because their automated login will not forward to me an email to change my password. The problem is there is no way to speak with a representative. I have called 5 different numbers and been through numerous ques. The other two agencies were easy to log into and do what I needed to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/20 I was charged three ( 3 ) NSF fees totaling {$100.00} ( 3x {$35.00} ) for three debit transactions that were concluded and posted to my account on XX/XX/20. However, as of day-end on XX/XX/20 my account showed a positive balance of {$1300.00} inclusive of the three transactions, do the three transactions did not cause the account to become overdrawn or require overdraft protection. ( See the attached screenshot from my mobile application ). 

Wells Fargo refused to issue any credit for the NSF charges, claiming them to be legitimate.

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: TN
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 placed a fraud alert with all credit bureaus as of XX/XX/2018. I received a copy of my credit report to see that the same companies, sometimes up to 3 or 4 times a week were placing inquiries on my report that i have NOT requested. I called each bureau, without success, so am hoping on some time of relief as the multiple inquires are placing burdens on my accounts. I am not sure if my information was affected in the multiple breaches there have been. They are below. Thank you *XXXX XXXX on XX/XX/XXXX ( 3 separate occasions on this ONE date ) *XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX *XXXX on XX/XX/XXXX *XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX *XXXX on XX/XX/XXXX *XXXX XXXX on XX/XX/XXXX, and XXXX on XX/XX/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 2018-10-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I recently used a Capital one Credit card to rent a car. Because I understood that money had to be in the account before a car could be rented ; I religiously added the appropriate funds and monitored my account. When the relationship was over, the charges were more than I had deposited ; although, Capital One posted and has continuously pursued me to pay an amount that does not include deductions of the deposits I made. Therefore ; I have no idea where $ XXXX-XXXX of monies I deposited to secure my interaction was distributed. And my credit is affected. Discussions with the Company produced no clear understanding and the amount of money displayed as owed " Only the Auto payments '' are shown as if this is the reason for my increased debt. My Limit is {$500.00} and I do not believe Capital One paid this ( {$910.00} ) without my deposits. Thus, I have concerns that the neglect will cost me more than what my limit is base on their actions and their huge request for payment. If so, I do not believe this is illegal, an unjust effort to secure money not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13
Company: AES/PHEAA
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a direct debit dispute form to AES on XX/XX/XXXX. However ; the company failed to remove the 60 day delinquency from my credit reports by the three reporting agencies. I was notified in XX/XX/XXXX by XXXX XXXX XXXX that my loan was being transferred to AES. I was informed that I must make telephone payments until my direct debit form was received. I made a telephone payment on XX/XX/XXXX. My payments from XX/XX/XXXX through XX/XX/XXXX were automatically deducted. Since additional principal payments were paid on my account, another payment wasnt due until XX/XX/XXXX. As a result of an AES internal billing error, my monthly payments were not withdrawn from my bank account. This information was confirmed by an AES representative via the telephone. AES has not taken any action to remove the delinquency from the three credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XXXX XXXX, 2020. I received email saying that my disputes were open and that some were updated. So basically Im back at square one again! For instance which I think is a violation of law because experian specifically responded to my complaint with the CFPB Complaint number XXXX which I have attached to this complaint that they were in process of blocking the pending disputes per identity theft report. So they blocked the XXXX XXXX  and the XXXX XXXX XXXX on XX/XX/XXXX per report number XXXX. I just dont understand. How can a problem be fixed when they are giving out misleading information to even the CFPB? This is clearly wrong! I have somewhat basically the problem with the other 2 bureaus. One telling me one thing and the other doing another. I called XXXX yesterday and they had updated my name and then tell me based on my social security number they cant find my file. Are you serious? This is a joke! I intend to sue soon. This doesnt make any sense. This is just one incident Im able to prove. But they all have employees who do this. These people needs to be reprimanded. Especially the ones in high position within these companies and then I got hung up on with XXXX special handling department. I asked for the supervisor he claimed to be one. Just tired Im not calling them anymore Im just gon na sue. To many hours put into this and spending money on credit repair and credit monitoring. What for?

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 2019-07-13
Company: Halsted Financial Services, LLC.
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX Halsted Financial sent me a letter stating that I owe them money, and they offered a payment arrangement. I dont owe them any money. I dont know who they are, and they have not responded to my letter to validate this debt. I requested debt validation in writing and I was ignored. I do not want this debt to be placed on my credit report. It is not mine, I dont know what it is, and i do not want any false debt on my credit report!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13
Company: Experian Information Solutions 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 is missing that should be on the report

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/2019 Report/Complaint/Dispute To : CFPB Re : ( XXXX ) XXXX XXXX, XXXX. XXXX  XXXX, XXXX XXXX, TX XXXX Dear Sir or Madam, Account number XXXX On XX/XX/2019 I entered into a contractual agreement with the above company ( s ) for a loan in the amount of {$3000.00} dollars. On XX/XX/2019 the company reported the transaction to XXXX as a new account. Each subsequent month to date the company reported the same transaction to Experian, and XXXX as a new account. As a result my credit rating has reduced dramatically causing much Financial HARDSHIP and PUNITIVE injury! 

I am filing this complaint because of the above dispute with the above company of which I tried to resolve without success. Verification of my complaint are attached. 

Yours truly, XXXX XXXX CC : XXXX 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 explanation
Consumer complaint received 2019-07-13
Company: Experian Information Solutions Inc.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a direct debit dispute form to XXXX on XX/XX/XXXX. However ; the company failed to remove the 60 day delinquency from my credit reports by the three reporting agencies. I was notified in XX/XX/XXXX by XXXX XXXX XXXX that my loan was being transferred to XXXX. I was informed that I must make telephone payments until my direct debit form was received. I made a telephone payment on XX/XX/XXXX. My payments from XXXX XXXX, XXXX through XXXX XXXX, XXXX were automatically deducted. Since additional principal payments were paid on my account, another payment wasnt due until XX/XX/XXXX. As a result of an XXXX internal billing error, my monthly payments were not withdrawn from my bank account. This information was confirmed by an XXXX representative via the telephone. XXXX has not taken any action to remove the delinquency from the three credit reporting agencies.

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 2018-02-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
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:
Back in 2009, I became a victim of identity theft. My fathers ex girlfriend stole my wallet that contained my drivers license, social security card and credit cards. 

The case is still ongoing and open. Theres an active warrant out for her arrest. 

Ive reached out to the creditors who opened the fradulent accounts and most were removed. I work a full time job, and have a family to care for, so this has been a time consuming burden on me. 

I sent debt validation letters to synchrony about the fradulent XXXX account and was told it was sold to Portfolio Recovery, I was informed by Portfolio Recovery that the debt was paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My credit card payment was due XX/XX/XXXX. I am enrolled in auto pay for the full statement balance so as to incur no finance charges. On XX/XX/XXXXI changed my future auto pay dates to be later in the month. Since I made this change the day before my payment was to be processed I assumed this change would be effective for my next statement cycle and my XX/XX/XXXX payment would be processed as scheduled. The information on the AMEX site did not give any indication my payment would be canceled. In fact, the website instructs customers to make changes by XX/XX/XXXXor two days prior, presumably so they are effective for the current bill. Since I made my changes after this date, I thought my scheduled payment would be processed. When I reviewed my account on XX/XX/XXXXI noticed my payment was not processed and I had a late fee. I disputed this fee and got the fee reversed and also made a payment for the full balance as enumerated on the AMEX site. XX/XX/XXXXI noticed an interest charge of {$60.00} on my account. AMEX notified me it was because my payment was late. I explained the situation above. They even told me that those changes go into effect for the next cycle ( why then, was my scheduled payment canceled? ). They refused to reverse the charge or credit me the full amount. They also indicated that an additional interest charge would appear on my next statement, but could not provide the amount. I feel these are improper and unethical charges since a reasonable customer would assume, based on the information provided by AMEX at the time the change was made, that the scheduled payment would be processed and the customer would not be required to take any further action.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-08
Company: EQUIFAX, INC.
State: GA
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 ALL PARTIES ( EQUIFAX, XXXX, XXXX/XXXX, XXXX, AND XXXX XXXX-XXXX  ) INVOLVE IN THIS MATTER INFORMING THEM OF THESE FRAUDULENT ITEMS TO CONTINUE TO RECEIVE THE SAME FRIVOLOUS RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05
Company: Premier Student Loan Center
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
XX/XX/2018 I did a loan reconsolidating plan with a company called XXXX Premier Student Loan Center and was promised that my student loans would be reconsolidated. However, I've used XXXX XXXX XXXX to manage my account and the money I've paid to the Student Loan Center above mentioned is not reflected in my loan repayment history. I'm quite concerned.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-27
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX I used MoneyGrams online transfer services to transfer money from my XXXX XXXX account to my regular checking account via my debit card the service state quick secure transfers to this date today XX/XX/XXXX my money is in transit. I have contacted both MoneyGram and my bank the amount I was transferring was XXXX dollars which I found out from my banks cards services department on XX/XX/XXXX that the have a limit on the amount I can transfer onto my debit card which is XXXX my bank has been amazing they raised my limit to XXXX for the money transfer to happen of course MoneyGram is stating that its moved up to their upper management level to be investigated as to why my transfer failed. I have contacted them ever day to get an update on my money if I found out myself what occurred why it failed then it should not take MoneyGram to find out what occurred but each time I speak to them they tell me it could take up to 120 days to return my money to me. Back in XXXX my checking account had been compromised and had to be closed immediately so I had all my money put on a XXXX XXXX  card until my new account was opened and safe, so now my money is stuck in moneygrams system and with everything going on money is tight and this was the last thing my family needed to happen. I hoe you can find out more then I can and hopefully everyone who reads this will read the fine print encoded with MoneyGram services Thank you and good luckb

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-14
Company: URS Holding, LLC
State: NY
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Student loans result of identity theft from a for-profit school that's no longer opened several attempts have been made, notified the loan provider about this matter, I've contacted the school 's and the loans managers to remove this debt from my record. They threaten to offset my tax return. After filled several disputes they still haven't refunded my tax and never reach a decision about the fraudulent loan. 
They said the loan is in default I've contacted the local police and forwarded all documents proving this account was open with unauthorized signature. But they continue reporting this account the all the credit bureaus and continuously causing me further damages financially. 
After I repeatedly asking them to give proof of all investigations and contacted parties in their investigations they've chosen to not cooperating or further investigating the officials of the school where the loan originated and they continuously denying me every time I sent a dispute or loan requested to discharge these loans. They continue breaking the law by allowing and facilitating these individuals who have stolen my identity to open student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05
Company: Conn's, 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:
I spoke with XXXX XXXX and they told me twice they would remove this off of my credit report, and they have not. I made sure they were not talking about just not reporting it on my credit report I asked them to delete the whole trade line and I spoke to Supervisor 2 times and both times i was promised they'd remove it! 

please get this fixed for me as its hindering me from purchasing my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10
Company: Sequium Asset Solutions, LLC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Credit report updated with derogatory mark from collector. Debt appears to have originated with XXXX XXXX XXXX, however I have paid XXXX XXXX XXXX in full prior to canceling my service with them. I've received no communication from either XXXX XXXX XXXX or this debt collector about this alleged debt. It is not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureau is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account/items information below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX, KOHLS/CAPITAL ONE XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15
Company: SYNCHRONY FINANCIAL
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I had a Synchrony Bank card via TJMaxx and I had noticed that there was an account that was reporting on my credit report with a number I was not familiar with and I submitted a complaint that my card or identity had been used to get a fraudulent card. I was very upset and concerned and the matter was addressed over the past 7 months. Synchrony bank was actually opening up new account with new account numbers every time I called or wrote or disputed the unknown numbers and not telling me that these were in fact the same account until XX/XX/2018 and after multiple phone calls, FTC report and multiple investigations when I finally contacted the " executive office '' it took so much time that I actually lost nearly 3 days of work time working on correcting the issue and WAS NEVER NOTIFIED each time they assigned a new number for my card therefore I believed that someone was opening multiple accounts with my information. It was impossible to talk to anyone who understood my concerns and could never get a last name or direct contact when I called back and had to repeat my story over and over again. Not only was this incredibly upsetting and harmful, my credit scores have been compromised for over 8 months during these investigations. I am overwhelmed with what it has taken to understand what was going on and had multiple employees get angry and even hang up on me. I am appalled as I have had many Synchrony bank accounts over the years with absolutely no issues. This has been extremely harmful, I have been denied 2 loans and multiple credit cards and I am paying very high fees for insurance. I was even denied employment from a company that I excelled in the interview process and most likely was told my credit score hurt me. The variety of events that this affected has cost me embarrassment and well as financial hardships.

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 2018-04-15
Company: Law Office of Michael J. Scott, PC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
XXXX XXXX XXXX XXXX keep harassing me and my daughter about a old debt from XX/XX/2004that was charged off by XXXX XXXX prior to that. This law firm keeps sending letters and calling stating " i will be arrested for not paying. '' Their address is XXXX XXXX XXXX XXXX XXXX, XXXX, TEXAS XXXX. XXXX. I looked at my credit reports from all 3 CRA 's and none list this outstanding debt.

Company response to consumer: Closed with explanation