BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Due to unfortunate circumstances, I missed a payment on my Capital One credit card ( didnt pay in full ; I pay half out of each paycheck ). I made up for it, and paid more than what I owed. However, I was informed that even though I was paid up, I get charged 2 months of interest because of a rule break that doesnt give me a grace period anymore. At no point on my bill does it say this. I get paying the first missed payment interest. But late payments are charged XXXX. I have been charged over 60 dollars in interest between the 2 months. Im not a bad customer that is constantly late. I pay on time. I called to have the second charge removed since on no where on my agreement does it say they can continually charge me interest on my purchases until the 3rd month if I didnt pay my balance in full. It says only on the missed balance, which I paid off. I contacted them to see if they could forgive the unnecessary interest charge on a balance I paid in full, and they said there was nothing they can do about it. I asked for a supervisor, and she said the same thing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-14
Company: CITIBANK, N.A.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Bloomingdales has violated my rights. Bloomingdales has failed to provide proof that this account belongs to me. I will be consulting with a consumer attorney as well as writing the Attorney General office regarding this company. I will not pay for something that I did not authorize.

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 2018-09-15
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: Their investigation did not fix an error on your report

Complaint:
I have contacted Equifax several times via phone online, and via first class mailings on many occasions in regards to several accounts that were placed in my name that did not belong to me and that I did not authorize or was not familiar with. I get the same results and I have had it, It makes it look very bad on my credit report, and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking credit, and I have negative accounts that does not belong to me reporting inaccurately. I have disputed and reach out to Equifax several times and they say the same thing over and over, The companies either need to send proof or validation or it needs to be removed. This account does not belong to me. I've done the XXXX Identity Report XXXX, I've called and they've told me that their handling it and they received proper paperwork and I should see an update and I never do. The last rep I talked to stated she was in special handling, I haven't had any luck with this. the following accounts that are reporting are : XXXX XXXX account XXXX, XXXX XXXX Bank acct XXXX, XXXX XXXX XXXX acct XXXX, XXXX XXXX XXXX acct XXXX. When I file a complaint they instruct me to file dispute with them directly which I do just to keep getting the same results. I have even sent copies from XXXX XXXX XXXX showing that they deleted items that Equifax keeps saying verified. How can they all be using the same information but some bureaus are correcting items & the other is saying verified which is totally incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 filed a dispute with TransUnion credit bureau. They failed to investigate my dispute. They did not tell me how they verified this information listed on my credit file. I sent a letter to the bankruptcy court regarding this public record and they sent me a letter stating that they dont share personal information regarding bankruptcies with 3rd party organizations or credit bureaus. TransUnion has told me they verified this public record but they did not tell me how they did this.

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 2018-09-15
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I have contacted Experiann several times via phone online, and via first class mailings on many occasions in regards to several accounts that were placed in my name that did not belong to me and that I did not authorize or was not familiar with. I get the same results and I have had it, It makes it look very bad on my credit report, and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking credit, and I have negative accounts that does not belong to me reporting inaccurately. I have disputed and reach out to Experian several times and they say the same thing over and over, The companies either need to send proof or validation or it needs to be removed. This account does not belong to me. I've done the XXXX Identity Report XXXX, I've called and they've told me that their handling it and they received proper paperwork and I should see an update and I never do. The last rep I talked to stated she was in special handling, I haven't had any luck with this. the following accounts that are reporting are : XXXX XXXX account XXXX, XXXX XXXX XXXX acct XXXX, XXXX XXXX XXXX acct XXXX, XXXX XXXX XXXX acct XXXX. When I file a complaint they instruct me to file dispute with them directly which I do just to keep getting the same results. I have even sent copies from Experian & XXXX showing that they deleted items that Experian keeps saying verified. How can they all be using the same information but some bureaus are correcting items & the other is saying verified which is totally incorrect.

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 2020-07-21
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
The due date for my credit card was due on XX/XX/2020. I made a payment in the amount of {$200.00} ON the due date of XX/XX/2020. It was withdrawn from my bank account already. Synchrony Bank, however, is charging a {$50.00} late fee saying the payment was late even though it was made on the due date. The company stated that it take several days to update in their system and I was charged a late fee. However, that is false since I have confirmation the payment posted on XX/XX/XXXX. This company is just scamming people out of money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: Nelnet, Inc.
State: WA
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:
In XXXX I was diagnosed with a total and XXXX XXXX. In XXXX I finally began receiving social security benefits for my XXXX. In XXXX I then started the process of filing for XXXX XXXX XXXX XXXX through XXXX the services of my loans. At first I was denied even access to the outsourced XXXX service providers information NelNet after finally receiving NelNets information I was advised of the incorrect instructions on how to file when my review date was scheduled for 5 years. Then I was denied the mailed copy of the XXXX report and appropriate help in filing out the report. Finally in XX/XX/XXXX my XX/XX/XXXXXXXX was approved through NelNet. At which time I was advised that it would take 30 days for them to discharge my student loans and if it were to take longer I would receive in a writing a written notice from NelNet 30 days came and went after calling in 60 days to see what the hold up was I still was advised I just needed to wait longer. Its been 180 days now. In XXXX I was the victim of identity theft. This has been going on for many years as many companies including XXXX has allowed my personal private information to be accessed by online hackers I began examining my credit report. I have disputed the fraudulent activities of XXXX increasing my loan amounts and fraudulently claiming that my loans were in default. On XX/XX/XXXX I called in to XXXX and NelNet to see what I needed to do. After hours of phone calls with XXXX were the operators intermittently hung up on me, made fun of me lied to me, and generally harassing me purposely trying to trigger my XXXX I was told I would need to contact the guarantor of my loan myself before they would allow my two loans the claimed are in default over to NelNet for discharge. I have disputed the accounts with the three credit bureaus both XX/XX/XXXX and XXXXXX/XX/XXXX prompt and decisive action on the account not completely discharging them but not allowing these fraudulent purposeful errors to impact my credit anymore however transuion has refused. I spoke an agent at XXXX and was told I could not submit more documentation to prove my case I was told I could not pull another credit report due to there being an open dispute and I would see the notes on the dispute and I was told by XXXX they would not remove any of the student loan accounts holding, they are reporting four of my XXXX student loans as being active and in default with serious delinquencies, they advised they would not take action on the misreported accounts even if I provide documentation until XXXX sends over confirmation the loans have been discharged. 


I need help. I am searching for attorneys at this moment. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: Ability Recovery Services, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This is an insurance issue, Spoke with Ability Recovery Service regarding the matter several times. They do not have the actual billing information, which was made clear when it was discussed with the insurance company. All they have to do is submit the actual billing information to the VA for payment.

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 2018-09-15
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
This is my THIRD attempted to dispute a debt that is NOT owed by me. I am a victim of Identity Theft and I have been battling with this company for so me time now to remove this off of my credit. I've tried contacting the Collection Agency by myself and also Equifax but yet Equifax has yet to do absolutely NOTHING to help or verify this debt as well as the collection agency. This debt was taken out under my name without my consent and I am tired of trying to fight this. If this does not work this time, I will be taking legal action against Equifax and XXXX XXXX of this debt that is being filed against my credit report affecting my living standards. this is pure greed and must be stopped. I just received in mail from Equifax on XX/XX/2018 that they have verified a false account under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-15
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My loan has been sold multiple times for repayment of the loan. I have been making my most recent and up to date payments of {$100.00} per month for 2 years to Navient solutions LLC.  Despite my payments they are sending me notices of default. They returned my payment for XX/XX/XXXX which I sent right back. They are trying to get my taxes in order to pay more into my loan. I am unclear as to why my account is considered in default. I am also unclear as to how my payments are being applied. I am not provided with statements showing my month payments have been applied. I have attached my payments of {$100.00} from the years XX/XX/XXXX-XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am attempting to contact my mortgage servicer for questions about my escrow and payment due dates. Their website has been reporting " errors '' for the past 2 days and instructs me to " try again later ''. I have been trying to use the website morning, noon and night for 2 days. Their XXXX number has been completely overwhelmed for the past 2 days. I entered a " callback queue '' earlier this morning and have not had a call back in the past 4 hours. I tried calling again this afternoon and the number just disconnects when you select to use the automated system. LoanCare has a duty to make themselves available to customers and has failed to fulfill that requirement. I would like ot understand what my options for recourse are if this situation does not improve.

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 2017-06-15
Company: WESTERN UNION COMPANY, THE
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
on  XXXX   XXXX ,  2017  I initiated a transfer  via Western Union fo r {$1600.00}  ( mtcn  :  XXXX  ), upon completion of the transaction, the  IFSC  code was incorrectly shown, therefore contacted the customer service rep and he told me to wait until  XXXX  as someone will contact me to correct the problem and if I am not satisfied with the wait, he asked me to cancel the transaction and I did cancel the transaction. I initiated another transaction via transfast and they asked me to provide driver license, bank ownership proof, passport copy and the transaction was completed. In the meantime, on  XXXX  I received the email from Western union that the transfer was complete. I was shocked as I have already cancelled the transaction a nd the IFSC nu mber was wrong and no one verified my identity. Contacted  CSR  and they told me that money will be returned as they can not see a transaction using my email id and transaction is available on  XXXX , therefore they still had 2 days to cancel the transaction before reaching the destination.  Case  no :  XXXX . On  XXXX / XXXX / 17 , received mail indicating that the transaction was effected with all the rules and procedures followed. How a leading wire transfer company can send money to other country without any validation? Now I understand, how  XXXX  is collecting millions of dollars from outside their own country. I was sending this money to a unknown person based on information given to me by my brother-in-law ( as he owed money to hi m ), now  he has double the money in his hand.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-16
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: Information belongs to someone else

Complaint:
Pursuant the Fair Debt Collections Practices Act, Equifax must delete and remove the following items off my credit report/file : Account # XXXX XXXX XXXX XXXX ; Account # XXXX OSFA/EDS ; Account # XXXX OSFA/EDS ; Account # XXXX OSFA/EDS. I have previously submitted disputes with Equifax along with the necessary FTC and law enforcement reports necessary to block these items from appearing on my credit report/file. Equifax uploaded these legal documents to my disputes. I confirmed this with an Equifax supervisor. I am a victim of identity theft. The other Consumer Reporting Agencies have completed their investigations and have removed these items which can not be verified and must be deleted. Furthermore, the phone number [ XXXX ] appearing on my Equifax credit report is not mine, I ask that you also delete this inaccurate information. Lastly, I request a free copy of my credit report and file from Equifax pursuant the Fair and Accurate Credit Transactions Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-15
Company: AFNI INC.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Good evening CFBPB members, On or around XXXX XXXX I received an email stating that my credit report has been changed, so I went to check my scores on XXXX. It stated that my XXXX  score had dropped XXXX points! I was shocked because I worked so hard to get my score from where they were to XXXX then to see that they fell to XXXX. A collection agency called AFNI, INC. place a XXXX XXXX on my report for {$370.00}. This bill has been paid in full. I will attach a copy of the bill for CFBPB members to look at for their review.Please assist me, I had XXXX at one time but I do not use them and therefore needs this negative item removed from my credit report. I am looking to purchase a home with my family and can not have negative marks on my reports when the bank sees them. Thank you all for your support.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: CBC Companies, 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: Account status incorrect

Complaint:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FDCPA SECTION 805 ( b ) & SECTION 809 ( b ) Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Debt and Collection Practice Act regarding your undocumented UNVERIFIED NO PROOF OF CLAIM information from my consumer file. I intend to pursue litigation in accordance with the FDCPA Section 809 ( b ), FTC opinion letter Cass from XXXX to seek relief and recover all monetary damages that I may be entitled to if the UNVERIFIED NO PROOF OF CLAIM items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. XXXX XXXX XXXX is the third company trying to collect Despite three Previous complaints and requests, there is still no PROOF OF CLAIM and items listed below still remain on my credit report in violation of Federal Law. You are required under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( XXXX ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Furthermore, you have failed to provide any transfer title of ownership on the charged-off written of account. Please be advised that FDCPA Section 809 ( b ), FTC opinion letter Cass from XXXX The law is very clear as to the Civil liability and the remedy available to me Consumer Protection afforded by the FDCPA if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FDCPA, FCRA and FTC. I demand the following accounts deleted immediately. ACCOUNTS : XXXX XXXX XXXX (  XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX BAL {$25.00}, XXXX  # XXXX, XXXX XXXX XXXX XXXX {$1500.00}, XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Experian which is a credit report website advertised that " you only had to pay a one-time fee of XXXX dollar '' for a credit score report. They said nowhere that they would keep my credit card on file and sign me up for a monthly subscription in which I would be paying around XXXX dollars. I have no idea was I was charged that the past two months and did not sign up for that. Their website didn't say that they would do that anywhere. I got charged for the month of XXXX and XXXX both on the 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 2021-10-12
Company: Lending Club Corp
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: Investigation took more than 30 days

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be cause by fraud or error on credit reporting.

Company response to consumer: Closed with explanation