BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
In XXXX 2017 I tried to contact Capital One Bank to determine the balance due on my credit card. I tried to contact them by phone & online. I spent many hours on hold and received no response to my email. I became concerned because I feared If I ever lost the card I would not be able to contact them. After 2 days I finally reached an operator. 
I told her I wanted to close the acct. She informed me that until the full balance was paid the acct. I agreed to pay full amount of approximately {$700.00}. I mailed a check on XXXX XXXX,2017 I sent the full amount due. The next month I received a bill for the balance plus interest. I called my Bank & was told check had not cleared. I called Capital 1 & told them they should cash my check. They denied having received the check. I asked to because I wanted to report the check stolen The Operator refused to connect me. 
But they continue to send me offers of higher credit lines and " Platinum Credit Cards.

Cleary they are keeping the account open because they want my business. I filed a prior complaint with your agency but I was very disappointed because all they did was call Capital One & ask them what the problem was. There response was She has n't paid. Your response was you have to pay them. 

I am willing to put a stop on my initial check if Capital One removes the interest charges and bills me for the original balance & provides me the name of a specific person to send the check to via USPS Return Signature requested

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30
Company: WELLS FARGO & COMPANY
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
XXXX XXXX XXXX XXXX XXXX. 
Contacted me XXXX/XXXX/XXXX from a blocked number stating they had a process server needing to serve me. Directed me to call the the plaintiff directly of the civil compliant. 

Refereed me to XXXX with court case # XXXX XXXX who said the case was being brought up against me by wells fargo, and proceeded to give me more information. 

They are misrepresenting the legal status of a debt, with impersonating attorneys, attorneys staff, or judicial employees, in violation of FDCPA.

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 2017-10-30
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I was cheated out of my home while I was in bankruptcy. Wells Fargo Home Mortgage defrauded and bullied me in to foreclosure.

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 2022-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
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:
HAVE PLACED A CREDIT FREEZE ON PROFILE AND ACCOUNTS CONTINUE TO BE OPENED IN MY NAME. HAVE REPORTED IT TO XXXX XXXX, XXXX, XXXX AND NOW XXXX XXXX. WITH ONLY XXXX XXXX REPORTING INQUIRY AND ACCOUNT AS FRAUDULENT AND NOT ON MY CREDIT REPORT. THE OTHER COMPANIES ARE STILL REPORTING AS IF OPENED AN ACCOUNT THAT WENT BAD.

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 2022-03-30
Company: EQUIFAX, INC.
State: CT
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I have contacted Trans Union twice with in the last 5 months regarding XXXX XXXX XXXX Trans Union is reporting information about me which is inaccurate. All three credit bureaus are reporting different high balances on my account XXXX XXXX XXXX Trans Union should be aware there can only be one high balance. 
If this account was verified all three bureaus would be reporting the same high balance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30
Company: Experian Information Solutions Inc.
State: CT
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:
I have been on the matching payment plan with the XXXX XXXX XXXX company also know as XXXX XXXX and have been paying the amount of {$80.00} for over a year and they matched me in XXXX and reported me as being XXXX days late now they did the same thing on XXXX XXXX reported me as being late on experian. When in fact my account is not late I have been paying as agreed and everytime I call their customer service department you get the run around, I explain to several reps this is damaging my credit report with experian. I need this incorrect reporting to stop.

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 2017-12-27
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Hello, I have reached out to you in reference to an XXXX account reporting on my credit as open when it should be closed. I have contacted XXXX and they have stated they cant find an account for me, which is odd as i have given them all the correct information because i filled the complaint through the CFPB, Which means the account is not validated with your company.Please look into this as well. there is a 3 year prescription law in the state of Louisiana and the remedy is you can not continue to collect or re age old debts, further more this company is not registered in the state of Louisiana to collect debt ( XXXX ). Please properly investigate and delete. 

Thanks : )

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 2017-10-30
Company: Experian Information Solutions Inc.
State: TX
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 am not familiar with and have no recollection of requesting Credit from the following agencies and the following dates as reported by XXXX EXPERIAN and XXXX. I have reached out to customer service at XXXX EXPERIAN and XXXX and they would offer no assistance in taking care of removing these negative inquiries reporting to my credit report. 

XXXX - XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX EXPERIAN - XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX & XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX -XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - 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 2017-10-30
Company: EQUIFAX, INC.
State: TX
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 am not familiar with and have no recollection of requesting Credit from the following agencies and the following dates as reported by XXXX, XXXX and EQUIFAX. I have reached out to customer service at XXXX, XXXX and EQUIFAX and they would offer no assistance in taking care of removing these negative inquiries reporting to my credit report. 

XXXX - XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX - XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX & XX/XX/XXXX XXXX XXXX - XX/XX/XXXX EQUIFAX - XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13
Company: ProCollect, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This company has harassed me for a debt they claimed I owe but I never received any letters in the mail nor any proof of said debt. They contained to call even though I repeated told them to stop calling until they provide prove or send me a letter in the mail on such said debt.

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 2019-07-05
Company: WESTERN UNION COMPANY, THE
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I was the victim of a scam and was part of the Western Union settlement where they were to forfeit $ XXXX to victims like me. I have been unable to get my {$160.00} back. 

I feel WU is often used to launder money and for criminal gangs and that they are complicit. I'd like my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I opened this account with XXXX like 2 years ago. Sometimes this year i called the company and demand that it should be closed. They told me that i can keep the account open and that they will not charge me annual fee if i do n't use the card. Later on they called me and told me that i am owing money on the account. I explained to them what happened the last time i spoke with them, so they told me they will clear the debt and close the account. I think they called me 2 more times to ask that i pay the money, and on all occasions i explained to them that i have requested the account be closed. 

Later when i lost my job in XXXX, i applied for a load and they turned me down that my account is delinquent. I did n't understand what that meant, so over looked it. It was when another company closed my account with them and mentioned the same delinquency that i had to check my credit and saw that it was reported by XXXX as past due twice, one in XXXX and the other one in XXXX! Then i applied for a job and they would not proceed with me because i have a bad credit. XXXX sent me a mail 2 days ago that they had to reduce my credit line because i had a delinquent credit. 

I called XXXX XXXX and they told me the account was closed in XXXX XXXX! How can an account that was closed in XXXX, be past due by XXXX and XXXX? They told me that they reported it well and that i can file for a dispute and that was how i ended up here.

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 2017-10-30
Company: AES/PHEAA
State: VA
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:
AES Student Loan Services has reported an Old Account which was listed on my Credit Report XXXX, with the Date of Status XXXX and First Reported XXXX. This is an Outdated and Negative and False Reporting. The Bank listed is XXXXXXXX XXXX which is Listed for 2 Loans in XXXX XXXX XXXX XXXX {$2900.00} and XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX, {$3500.00}. The School also closed under Bankruptcy School ID XXXX. 
On XXXX, The Department of Education approved for a Discharge of the Federal Student Loans and this Loan Holder ( s ) AES has refused to release or Transfer my Loan to XXXX XXXX XXXXXXXX XXXX XXXX for The Discharge. XXXX has contacted AES many times to have the Loans transferred but no response has been given to XXXX from AES. XXXX XXXX informed me that the Loans were sold back to AES but AES reported these Loans as new Loan on my Credit Report as New Open XXXX, and 1st Reported XXXX with a payment and Status Current. I have n't made any payments nor should this be reported Double on my Report this Account is Outdated from XXXXI contacted AES and they claimed they could speak to me because they had another name Listed for my Social Security Number/DOB/address . I do n't know what they have in Error but yet they were allowed to report False Information on my Credit Report which is PROOF they have all the Information Needed to talk with me concerning this Incident. All Reporting from AES is Fraud and they are also claiming to be reps of XXXX XXXX or XXXX XXXX gave me false information. I want all these Accounts to be removed from my Credit Report as they have caused Due Hardship and violated my Civil Rights with Fraud. This is abuse of the Government Student Loan and Department of Education. I want all points restored back to the my Credit Score which was reduced because of this Fraud committed by AES and XXXX XXXX due to Error and refused to Obey the Discharge Laws and Policies when the Discharged has been approved. I want a written apology for this Harassment and violation of ADA Act

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-25
Company: Medical Data Systems, 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:
Credit Reporting Bureau XXXX is reporting an unauthorized account on my report that has been proven by the collection company that they do not service the account after it was disputed.

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 2022-03-13
Company: EQUIFAX, INC.
State: IL
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 called Equifax Information Services, XXXX about the deletion of unauthorized hard inquiries on my consumer report in XX/XX/XXXX. They directed me to call the creditors to have them request that the inquiries be removed from my consumer report. I called the creditors but was not able to reach anyone that could help me. 

On XX/XX/XXXX, I sent 9 letters to Equifax Information Services, XXXX at XXXX XXXX XXXX XXXX, GA XXXX to demand deletion of each inquiry reported on my consumer report where my consumer report was obtained without my authorization or permissible purpose under the FCRA. I requested the following inquiries be deleted ( letters attached ) : 1. XX/XX/XXXX, XXXX XXXX XXXX 2 . XX/XX/XXXX, XXXX XXXX XXXX BANK 3 . XX/XX/XXXX, XXXX XXXX XXXX XXXX 4. XX/XX/XXXX, XXXX XXXXXXXX 5. XX/XX/XXXX, XXXX XXXX 6. XX/XX/XXXX, XXXX XXXX XXXX XXXX 7. XX/XX/XXXX, XXXX XXXX XXXX BANK 8 . XX/XX/XXXX, XXXX XXXX XXXX BANK 9 . XX/XX/XXXX, XXXX XXXX XXXX XXXX Equifax Information Services XXXX XXXX has not adhered to my request to promptly delete the unauthorized inquiry or if they conclude that the inquiry listed is verified, I request details of their method of verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25
Company: AMERISAVE MORTGAGE CORPORATION
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I started a mortgage refinance application on XX/XX/2020 with Amerisave Mortgage Corporation and gave them {$500.00}. 
I satisfactorily completed the application process during the next few weeks. My loan broker informed me that Amerisave required proof of income from my retirement accounts. He gave me directions as to the amount and how to have my financial advisor set up the distributions. This was verified by a letter from my financial advisor. 
I complied with all of his requirements and obtained my bank account statements showing the amounts deposited. I received an email on XX/XX/2020 declining my application. I spoke with my loan broker on the phone and he told me the reason I was declined was because I " had no history '' of deposits of this nature. Since I am very recently retired, there was no reason to have a history of deposits of this nature. 
There was never any attempt on the part of my loan broker to resolve any issues regarding my mortgage application. They continue to ignore my emails and my multiple requests to obtain a written document as to why my application was rejected. They also have refused to refund my {$500.00} application fee. 
I feel age ( XXXX ) discrimination has something to do with this mortgage rejection.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-30
Company: TOYOTA MOTOR CREDIT CORPORATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
Car was deemed a total lost In XXXX insurance company sent a check on XXXX XXXX which was sent to the finance company. company said that they could not process the check as a result i was given a XXXX day marker on the car. TFS states that they got check on XXXX the due date was on the XXXX they also stated that they had a return check from the insurance company which the insurance company nor I have record of. 



This letter is confirming that a payment was issued to Toyota Financial Services in the amount of XXXX  on XXXX/XXXX/XXXX for the date of loss XXXX/XXXX/XXXX for the total loss of the XXXX XXXX GS XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
cap1/wmt is reporting incorrect information. 

-Two year payment history is incomplete -Date Last Active is incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13
Company: BOEING EMPLOYEES CREDIT UNION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On the date of the XXXX, of XXXX, 2022, I noticed that I didn't have my phone. When I'm off work I really don't care about my phone because everyone is home on the weekends. Anyways when alerting the bank of me losing my card, and going into the bank I was told that my account was on FREEZE, due to suspicious activity, then the clerk goes onto to give me a new card but comes from the printer with all these papers of how all this BOGUS checks were deposited and transferred out of my account and that my account was to be looked at by security. Now me thinking they would alert me of this, they did but I didn't get them because my phone was Stolen.

So my claim was DENIED I received a call from BECU 's security accusing me of leaving my phone unlocked with all my information on it. The reason I leave my phone unlocked is due to having Congestive XXXX XXXX, and last time my XXXX XXXX was near fatal and me being a single mother with XXXX children my kids didn't have the information to give the First Responders other than my sister 's phone and with her being a Nurse can't pick up right away, and it be a Fatal situation. So after me explaining to her ( BECU XXXX ) that she goes to smack her lips and asks, your phone was misplaced, are you sure you didn't write a report saying your car was broken into?, I advised her no my case number is XXXX from XXXX XXXX, nowhere in my report is stated a car being broken into. so she's lying. Then she goes on to say that the claim has been denied and they Zeroed out all accounts leaving me no money in my accounts, mind you I have XXXX children and take care of an additional XXXX for my sister while she works, glad I have credit cards because it seems BECU think I'm in on it. I REALLY hate that they view me as such, but with the scammers having my information I'm to suffer. My information is no longer on my phone as I have deleted all private information and put my information needed for First Responders in a safe area my son knows.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation