BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Capital One 360 frequently removes my phone number for 2-Factor Authentication disallowing online access. Their policy is to only use phone numbers with name-associated billing accounts as a security measure. 

Customer service representatives are unable to update the number, thus leaving me locked out of my account. Since this is an online only account, this disallows actions while still retaining the account balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have written and mailed in letters to this company regarding my college attendance. The status of the loan reported on the credit report is incorrect it should not be delinquent it should be current or deferred I have not received any communication back from the company no correction has been Made on this account by the company. I am currently attending college and would like the credit rating to reflect current not delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27
Company: CURO Intermediate Holdings
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 information incorrect

Complaint:
I entered into installment agreement with Speedy Cash Loan last XX/XX/ 2018, and was paying. I tried to reach and called them many times in order to notify for wanting to re- adjust my payments after I paid {$1.00}, XXXX out of {$700.00} I loaned from them. After many attempts of calling Speedy Cash, I was instructed by their Agents, to call different and several telephone numbers. After all my attempts to communicate in assisting me restructure my installment loan were always in vain and were declined by all Speedy Cashs representatives. When I would called, no one wants to help me in re- structuring my loan. After Speedy Cash uncooperatively responding in solving my willingness to repay or re-structure my installment loan. Speedy Cash have shared my personal information to third parties name XXXX XXXX XXXX XXXX XXXX. The consequences of Speedy Cash acts were invasive for my privacy, as disclosing my personal informations, as well reporting to XXXX, XXXX and XXXX ; Credit Bureaus Agencies in which compromised my credit scores, without addressing my problems on restructuring in order to resolve these issues with me personally before sharing my informations, as consequences of Speedy Cashs false pretenses of the real story. After these incidents, Speedy Cash repeatedly calling at unreasonable hours, as violation of Fair debt Collection Act ( FDCPA ), as abusive  debt collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: Medical Business Bureau
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a XXXX  which I thought would be paid by insurance. Insurance did not cover it and then passed off to a collection company. I paid the collection company in full in XX/XX/2020 for {$120.00}. It was removed from my XXXX  Credit Report and XXXX. When I checked my credit on XX/XX/2020 there was an additional charge of {$29.00} added by MEDICAL BUSINESS BUREAU @ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX. 

I spoke to XXXX on XX/XX/2020 at Medical Business Bureau and she said it was an employee error that caused the problem on my credit report because they did not settle the account properly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I have contacted this company multiple times. The insurance company has contacted them as well. This debt was covered by insurance and is not owed. Opened XX/XX/2019. It has been removed from XXXX  but transunion is still reporting it

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: EQUIFAX, 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:
PLEASE BE ADVISED THAT I AM A VICTIM OF ID THEFT. I AM WRITING TO REQUEST THAT YOU BLOCK THE FOLLOWING FRAUDULENT INFORMATION FROM MY CREDIT REPORT. I HAVE NO IDEA HOW THE THEFT TOOK PLACE. I ALSO HAVE NO IDEA KNOWELEGE OF ANY SUSPECTS. I DID NOT RECEIVE ANY MONEY, GOODS, OR SERVICES AS A RESULT OF THE IDENTITY THEFT.6565 According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA,  unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: Experian Information Solutions Inc.
State: IN
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 a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft.

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 2022-10-25
Company: Experian Information Solutions 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:
It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block this item listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block this account as they are fraudulent & were opened without my consent or knowledge XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2011 Balance : {$0.00}

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 2022-08-07
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 am a victim of identity theft. Submitted a police report to have the fraudulent account XXXX removed. Transunion first removed it then now added it back.

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 2020-09-09
Company: Experian Information Solutions Inc.
State: MI
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 a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2021-03-02
Company: EQUIFAX, INC.
State: VI
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:
I sent a letter regarding inaccurate and unknown things in my credit report. To this day over about 2 months later, I have yet to receive a response. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives me a reason to immediately remove these items from my credit report. It's been about 2 months now so they should be deleted promptly. I demand these accounts be deleted immediately or I will file litigation due to the stress that was caused to me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person. I AM NOT USING A CREDIT REPAIR COMPANY, I AM REPORTING THIS VIOLATION ON MY OWN BEHALF. I'VE ATTACHED MY ID, AND A UTILITY BILL FOR FURTHER VERIFICATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: Experian Information Solutions Inc.
State: MA
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:
There is a 30 late payment on XXXX 2014 on my credit report from XXXX  XXXX XXXX . Makes 7yrs should not be on credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-16
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I challenged a collections account on my XXXX credit report from a company called Wakefield and Associates Inc. The account was removed from my credit report and two weeks later, Wakefield and Associates Inc, illegally reported 2 NEW collection accounts that do not belong to me, to my XXXX and XXXX credit reports out of retaliation for having them removed from my credit reports. My credit report indicates that Wakefield and Associates Inc, reported the supposed debt was opened on XXXX XXXX XXXX. I havent been to the emergency room in over 2 years and Wakefield and Associates Inc are lying to XXXX and XXXX. Ive asked them to provide proof of ownership by showing a copy of my drivers license and social and they decline because they do not posses any of it. If they do not remove the the fraudulent accounts, i will be forced to sue them and have the accounts removed. I have already forwarded a copy of my credit report to an attorney to look at. Wakefield and Associates Inc is breaking the law.

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 2021-03-02
Company: Credit Karma, LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Complaint is about Credit Karma. They prepare taxes as a benefit to members. I was working on my taxes and had saved it. They submitted them to the IRS without my approval. 

I reached out to them twice. They finally answered today. Here is the response from the email : Why CK submitted Tax Return? : Case # XXXX Thank you for reaching out to Credit Karma Tax. I understand you weren't done with your return. Your return has been submitted and accepted already. You will have to file an amendment to make any changes to your return.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Coinbase has refused to communicate, provide updates, and maintain professional courtesy with me the customer. Not to mention the out right thievery of roughly XXXX usd. 

i had a transaction, namely an ach transfer fail, and of course needed to cover the outstanding balance of XXXX asap. i quickly funded my account via debit for the amount of XXXX and much much more. as i continued to make transactions i was notified i needed to make a payment manually, so i did using etherium. upon reviewing my account, coinbase not only took my XXXX payment but proceeded to take XXXX payments themselves without my authorization a total of 3 times. so for an outstanding balance of XXXX total of XXXX was paid. 

i raised multiple support tickets, all the while continuing in good faith with the company making transactions, but after weeks of no response to my inquiry, i began to worry. i sent tickets daily, and once i finally got a response they proceeded to block any further ability for me to reach them. email being the only way available, i was receiving blocked by recipient notifications. only way i could get a message across was via support tickets which they said only made the process take more time due to the sheer number of tickets. they notified me of the consolidation of my support tickets once i threatened to reach out to law enforcement. they notified me that a specialist was taking over my account and reviewing the situation. weeks later, i find an email stating my support thread has been resolved and closed and unable to be reopened. odd.. because i have yet to receive any resolution, explanation, or restitution. 

the whole mess started XXXX/XXXX  til now with no resolution. i dont know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: Experian Information Solutions Inc.
State: OH
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 contacted Experian since XX/XX/XXXX in regarding my credit report not updating since XXXX XXXX XXXX. The issue was never fixed. I contact Experian again and spoke with several reps a I was told it was my system however there system show My most update credit report as of XX/XX/XXXX. I asked to have a credit report mailed today XX/XX/XXXX at XXXX et and asked if the credit report will show an updated credit report. I was told the information will be dated for XX/XX/XXXX and a ticket was issued and the credit report will take 7-10 days from an supervisor at Experian. This is affecting me because I am not able to view my credit its also telling credits my account is frozen and I only have XXXX and XXXX frozen not Experian I was not offered any compensation due to this inconvenience. Just an sorry mam

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 2023-01-27
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be repaired or removed. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get discarded immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11
Company: WELLS FARGO & COMPANY
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
After submitting a complaint about payments being misapplied to principal causing it to appear I am late on one payment, Today I received noticed from Wells Fargo that they received my complaints and a notice of pre-foreclosure. Even if their records are accurate ( they are not ) I would only be two days past due on one payment that has already been paid. This feels like retaliation that after getting my complaint, Im getting notices of foreclosure. I want this investigated.

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 2021-03-02
Company: Resurgent Capital Services L.P.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
My complaint with LVNV, a creditor, is that I never recieved and bills, statements or invoices from the original creditor which is XXXX XXXX XXXX. Apparently LVNV has bought the debt in question. 

I recieved a leeter in the mail from XXXX, XXXX, XXXX XXXX  XXXX, XXXX  which represents LVNV. They are demanding payment of {$1500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Recently I contacted a Kohls representative for the balance due on my account so I could pay it off in full and close the account. I paid the total amount due that I was quoted and consequently closed the account. Kohls partial account number XXXX - is now incorrectly reporting late payments on my credit report for XXXX, XXXX of 30 days late and XXXX, XXXX of 60 days late. Kohls is reporting a current balance of {$2.00}. ( Please see the attached pages from my credit report. ) I had no idea that there was any remaining balance, nor should there have been, since I paid the total amount owed and closed this account. The late payment history has recently appeared on my credit report. I called Kohls and asked the representative I spoke with to please resolve their accounting error and to also request they contact XXXX  ; XXXX and XXXX to correct the reporting error. I have not been able to make any progress. I originally opened this account in XXXX and have had a stellar payment history. I request that Kohls report a {$0.00} balance and {$0.00} past due on this line item. There should not be any balance due on this account. This incorrect reporting is harming my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25
Company: Experian Information Solutions 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- OPEN ACCOUNT 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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 2020-05-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
Capital One issued a statement on XX/XX/2020 that i owed {$22000.00} by XX/XX/2020. 
I made a small payments all along the month of XXXX which totaled {$20000.00}. 
My payments were made thru the web-based app. 
I assumed that I had paid the entire amount as the there is no way to figure out on the app if your statement balance is met in full. 

Due to the Corona situation, I was busy with so many things. 
I didnt check my XXXX statement until XX/XX/XXXX and I saw that I was hit with an interest charge of {$160.00} for missing the full payment. 
I called them and paid the past balance and an additional payment totaling XXXX. 
I asked them to waive the interested, they denied. 
I called them additional 2 times after that I was caught up in so many things and assumed that payment was fully made. 
They didn't care. 

I just got the XX/XX/XXXX, statement. 
They charged me an additional {$170.00} interest. 

I have closed the account to never do business with such a greedy and unforgiving bank. 
Even in times of crisis, this bank didn't care for the consumer.

Company response to consumer: Closed with explanation