BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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:
This particular credit card company has an XXXX XXXX  cut off time for paying bills online. If you miss that time they charge you a {$25.00} late fee. Honestly I have missed this before, but I call the next day and they adjust it off. This time I was online getting ready to pay on XX/XX/2019 and it was a few minutes before XXXX XXXX. My internet went out and by the time I was back online it was a couple minutes after XXXX XXXX  XXXX to be exact. I clearly remember this because I thought there is no way they are going to charge me for being 2 minutes late. Wrong! I received my online statement today XX/XX/2019 and they did charge me {$25.00} late charge. 
I called today XX/XX/XXXX, XXXX and they will not adjust it off, they said I have no wavers? I am guessing you are only allowed one waver every so many months that is why I have not had problems in past. I asked to speak to supervisor and she basically told me the same thing even if one minute late they will charge you. I asked to dispute this charge and she said they dont do that, you cant dispute late charge. I asked to speak to someone else and was told there was no one else I could talk with there was no one above her. I said you must have a boss and she advised they only do administrative work, frustrated I said thanks and hung up After hanging up the more I thought about this I do not have this problem with anyone other company I pay. I believe this might be this companys way to get people to pay more money on late fees with the XXXX XXXX cutoff time. 
I receive an email, but a lot of times I dont even get to my personal email until XXXX or XXXX XXXX. This is exactly why I have had to ask for help in the past, because I open email after the cut off time. Not only the time but the date its the XXXX due date, all of my other bills are due at end of month. 
I believe they are taking advantage of me and I am sure other customers by having this special due date and time. Then when calling and asking for help all the sudden they dont want to help. I have been working very hard to clean up my credit history for the past year, and I just recently jumped up by thirty points, this late charge is going to affect my credit history that I have been working so hard to improve. I would like this late note removed from my account and a refund. 

Any help would be appreciated. Thank you for your consideration if I can provide further information please let me know Best regard

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-24
Company: Experian Information Solutions Inc.
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
XXXX XXXX  performed a hard inquiry that showed on XXXX XXXX. I call the institution and it was concerning a mortgage. I do not have a mortgage with XXXX XXXX. 

XXXX XXXX performed a hard inquiry that showed on XXXX XXXX. I called and they stated it was possibly a scam. I lease a car from them and they are not a lending institution. 

XXXX performed a hard inquiry that showed on XXXX XXXX. I called the institution and there was no hard inquiry on my account. 

XXXX performed a hard inquiry that showed on XXXX XXXX. This is XXXX XXXX financial institution. They do not make loans and had no idea why it would show on my report. 

XXXX performed a hard inquiry that showed on XXXX XXXX. This is a medical alert company and had no idea what I was talking about. I have no credit with them. 

All of these were performed by Experian. 

Please let me know the next steps.

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 2020-06-24
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have sent experian 3 different letters on 3 different occasions about a couple of things that are on my report reporting incorrectly that should not be there. I ve repeatedly asked them on several occasions to either show the accounts as simply delete them all together. Ive asked them to provide me with documentation on how these accounts are showing this information and they haven't provided me with one shred of evidence. They say they got the chapter XXXX bankruptcy information from my XXXX  XXXX   account but that account is frozen. Therefore that is false information. The court that they also said I'm bankrupt threw said they do not give out information to credit bureaus at all so how are they getting this information to put on my profile? If this is not resolved in timely manner I will be taking legal action. 

the accounts are as followed Chapter XXXX bankruptcy public record XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX 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 2018-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
There is information on my credit reports which are older than 7 years which should be removed according to the FCRA. 

XXXX XXXX- {$450.00} XXXX XXXX- {$580.00} XXXX XXXX- {$870.00} All these accounts are over 7 years old from date of last activity.

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 2018-08-01
Company: Navient Solutions, LLC.
State: AL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I spoke with Navient XX/XX/2017 and they did not want to work with me on lowering the payments.

On the websites it has that if you have federal student loans your payments may be lowered however this is often not the case.

Also, they did not discuss any payment options with me. 

Navient interest rates are too high Navient does not give options to repay on loans

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: SUMMIT FUNDING, INC.
State: TN
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:
On XX/XX/2020, XXXX XXXX  add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX XXXX/SUMMIT FUNDING I add a hard inquiries on my credit reports per XXXX, XXXX  ( The report does not include information about the creditor. ) and XXXX. 
On XX/XX/2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05
Company: John C. Heath, Attorney at Law, PLLC
State: MS
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 been sending complaints In for a few years. And yet the issues are still happening as we speak. My score from XXXX was XXXX now I dont have a score. Ive been paying XXXX for months to fix my credit. My score for XXXX keeps dropping. How many more complaints must I send in before someone does something about my issues. All these items hospital bills on my credit with very confidential information. I was denied a advancement because of my credit and all the issues Ive continued to report

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-05
Company: Experian Information Solutions Inc.
State: AL
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:
Alot of unknown inquiries

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 2020-05-11
Company: EQUIFAX, INC.
State: PA
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:
EQUIFAx FAILED TO INVESTIGATE THE DISPUTED ITEMS WITHIN THE 30 DAY IVESTIGATION PERIOD. IN ADDITION THE FAILED TO PROVIDE THE INFORMATION ON FILE CONCERNING THE DISPUTED ITEMS PURSUANT TO SECTION 609

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: EQUIFAX, 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:
Equifax  and XXXX  are reporting incorrectly that I am ( 120 ) 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 XXXX. These accounts should be coded as an XXXX. 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. 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 bureau to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
After checking my credit report I discovered accounts and debts on there inwhich I have no knowledge of, I also understand that I been a victim of XXXX  breach, so now I'm writing in to get the following accounts/ collections rightfully removed from my report the accounts in questions are reflected by the following dates, XXXX, XXXX, and 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 2020-06-30
Company: Rocket Mortgage, LLC
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I received a call from Quicken Loans about refinancing my loan. I mentioned to Quicken that I had not inquired about refinancing but planned to refinance at a latter date ( 60-90 days later ). After explaining that I did not require refinancing at this time, Quicken loans followed up with a letter to me dated XX/XX/2020 explaining why they are unable to offer me financing at this time and referred to a reason why : * Collateral : Does not meet seasoning requirements. 

Quicken loans failed to mention that I never sought a refinancing and I should not have on record that they were unable to refinance my loan since I never sought any refinancing. 

When I asked them to restate this letter since it is a false representation of our conversation, they refused stating they are required to do so in order to be in compliance. 

Thus, when I am asked if I have ever been denied financing, I will be required to say that I have been denied - even though i NEVER sought financing. 

I seek your help in remedying this falsehood, the over interpretation of the compliance regulations and to stop these actions by the lenders from promulgating false requests for loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06
Company: EQUIFAX, 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:
I received a letter indicating that an account has been sent to collections.I expressed several times that i never received a credit card from these companies and before I take legal actions about this matter I would like for them to resolve this matter.I dont shop at these stores and im not interested in shopping at these stores.I just want my credit to be repaired XXXX XXXX XXXX XXXX XXXX ....

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24
Company: EQUIFAX, INC.
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:
I have made 17 consecutive on time payments of {$4500.00} to XXXX XXXX XXXX ( Acct # XXXX ) on a 30-year fixed mortgage. However, in XXXX they increased the amount due to make up for an escrow payment for property taxes. I was not aware of the increase and my auto-bill pay sent the same amount. I was notified that I was late in XXXX, but knew I was current. However, I found out I the increase of {$54.00} was the difference in the increased amount that was late. Upon hearing the news I immediately paid the {$54.00} difference, in fact I paid {$190.00}, just to make sure no late fees or accruals would be attached. Then I saw they reported me as 30+ days late on my credit report. I asked them to remove it, but said due the Fair Credit Act, I must request removable by the CFPB and the Agencies. I sent a note to the agencies and to you as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 am an additional XXXX on two different credit cards. The problem is I am not financially liable for the debt. The credit card companies are reporting the total amount due on my credit report. This seems to be industrywide practice I have no financial responsibility. And it should not show up on my 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 2017-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I received a letter indicating that an account has been sent to collections.I expressed several times that i never received a credit card from these companies and before I take legal actions about this matter I would like for them to resolve this matter.I dont shop at these stores and im not interested in shopping at these stores.I just want my credit to be repaired XXXX XXXX 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 2019-02-05
Company: WELLS FARGO & COMPANY
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
In early XX/XX/XXXX around XX/XX/2019 I called Wells Fargo and requested my account be closed. I was told by the agent it would be no problem due to the fact that my account balance was not negative & that he would gladly assist me in closing. I was told " Your account has been closed, anything else I can assist you with? '' At that point I was under the assumption that my account was closed. 
On my part, I began switching all my payments to a new account with another bank. 

Wells Fargo, however, continued to make payments and issue fees on the account that was supposed to be closed. 
I was not aware until I was disputing a check and was informed that it was deposited into that Wells Fargo Account. I checked my account on XX/XX/2019 and saw that payments were authorized and I was charged overdraft fees for said payments. In total there are 11 {$35.00} fees. That is an amount I simply can not afford and don't believe I am responsible for. If Wells Fargo had informed me that they could not close my account and I had transactions I would have made sure to have that money in there to avoid those fees. I am out a total of {$380.00} in fees from Wells Fargo. 
I spoke to them several times today XX/XX/2019 and they were unable to give me an answer as to why I was told my account would be closed and was not. 
They said " maybe they didn't close it because you had pending transactions '' but never during the initial request to close my account was I told that it would not be closed. 
I subsequently asked if they could refund the fees because they are not my responsibility. An agent had stated that he closed my account. 
The only option they gave my was to walk into a branch. I live about a XXXX hour drive from the nearest branch and it is not possible for me, especially since they said that does not assure that they will refund the fees. 

The last time I knowingly used my card was on XX/XX/2019 at XXXX XXXX. 
Anything after that was not authorized by me and I was under the assumption that my account was closed. 

Thank you.

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 2019-02-05
Company: Experian Information Solutions Inc.
State: CA
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 paid to put a freeze on my data for all four credit bureaus several years ago prior to the major security breach. The only one I have a problem with is Experian. I am trying to lift my freeze to apply for credit and they won't recognize me to do it online. I have all the data and the pin that they gave me originally. The website is telling me I have to send all my sensitive information, including my original social security card by mail to them at their XXXX Texas location! When I call the phone number puts me through a series of prompts and then disconnects me. Can you help?

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 2020-05-08
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 was trying to buy my wife a necklace at XXXX XXXX XXXX  today XX/XX/2020 and when they ran my credit to see if I qualified for their credit line, I was told that I was not approved because there were several negative accounts appearing on my credit report. I had no idea what accounts they were talking about because I have never missed any payments or had any of my accounts go to collections ; I looked through my credit report and there were 6 accounts and many inquiries that are not mine. I don't know who is responsible for opening these accounts in my name without my permission but I have already filed a police report. I did not gain anything from these accounts and I did not make any payments towards any of these accounts. I also do not have any written/verbal contract with any of these companies and I did not authorize them to run or access my credit.

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 2017-12-06
Company: EQUIFAX, INC.
State: MT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I never completed a Chapter XXXX bankruptcy ; and there 's no reason it should even be on my credit report. I was told this would never show because I never actually paid anyone anything ; and never filed this to begin with. This should be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: Phoenix Financial Services LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have consistently disputed owing this debt. I have sent 2 letters to Phoenix Financial Services stating this. In my first letter to them dated XXXX, I stated that while I do not acknowledge ownership of this debt I was willing to offer 150 dollars in exchange for them removing this damaging collection account from all three credit reporting agencies, XXXX, XXXX. and XXXX. They responded with a counteroffer of XXXX. I then sent them a letter dated XXXX again saying that while I was not responsible for this debt, I was willing to accept their offer. I just received a letter from them dated XXXX. They claim they have attempted to contact me and the debt remains outstanding, which is not true, and they increased the amount they were willing to accept to XXXX, while completely ignoring my request to remove this account from my credit reports. This is completely unacceptable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation