BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-21
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
Capital One is reporting lates on my accounts for 2020. During this time, I was really affected by Covid and was struggling financially as my employer cut my hours. Once I was finally back on my feet I was able to get current and have stayed that way. I ask that Capital One please remove the late notations as a one time goodwill adjustment. I am now in a situation to be able to buy a home and removing these lates would really help me be able to get into a home.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-10
Company: SYNCHRONY FINANCIAL
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Hi, I recently had an identity theft where the criminal opened a PayPal online credit card with my personal information. While I am disputing the fraudulent transaction charges with the company, I think this company 's business practice is unethical. Here are a few reasons why I believe so. 

First of all, the account was opened without informing me or the activation process with mail. 

Secondly, I have a PayPal account already but they are not connecting the new account with my already existing account information what so ever such that there's no way that I can know the existence of this crime until I receive a statement. 

Thirdly, they allowed the card to be used on the same day as the card was open. This means the criminal can take the money from this credit card if he or she obtains any identity information from personal data breach incidents while the victim has no way to know it and had to go through this painful and time consuming process to dispute with the company. 

What's really surprising to me is that the service representative also recognizes that the possibility of abuse in case identity theft but simply says that that's how they practice the business. 
I am very surprised that this kind of business practice is allowed for a well known company like PayPal.

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 2019-05-10
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION
State: FL
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:
Please provide any and all information regarding this debt including payments made, charges, fees, interest, terms, rate, etc. 
I have requested this information over and over and over for years - all to no avail. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-19
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC
State: SC
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:
XXXX is reporting erroneous information on my credit report from Lanier Collections

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have requested for any and all security freezes and fraud alerts on my consumer credit profile to be deleted by Equifax on numerous occasion but they have adamantly been unwilling to cooperate with me. This is hurting my credit profile and prevents me from being able to access credit. i feel they are taking my rights for granted and intend on continuing to perpetually violate my rights under the FCRA guidlines of the UCS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10
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 went to get a loan for school from my bank and I was not approved. I got a copy of my credit report finally and there are still things on there that are not mine. Ive contacted FTC and the police. Im doing this myself. XXXX, XXXX XXXX. Please remove these accounts from 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 2019-05-10
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
on XX/XX/19 i paid a settlement to Navy Federal Credit Union and i was informed that it would be updated and the negative information about it would be removed. Since then the company has updated the information for the balance owed but instead of changing the status to closed it was changed to charge off which is incorrect since i paid them to settle the account and close it. This has dropped my score 70 points and has severely hurt me as i am trying to purchase my first home and this has made me ineligible due to the credit score decreasing significantly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
This complaint is with Santander Consumer. First off I had no idea who my auto loan was through up until recently when I went online to check my credit score and saw they now have reported 3 missed payments on my credit report. I spoke to a representative about this issue and she advised me that this was a reoccurring problem theyve been having with multiple accounts they have with their customers. She also stated that they have been attempting to reach out to me but from what I can tell from my phone records I obtained separately through my carrier they continuously use different phone numbers. So because its never the same number my phone automatically filters it as a potential spam call which means it mutes any unrecognized call.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Portfolio Recovery Associates tried to sue me in 2015. The suit was dismissed in court. However they have for several years since, tried to contact me several times, by phone and by letter, trying to get me to pay the debt. I have asked them several times to stop contacting me and they have refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
There are two Bankruptcies on my report that are incorrect please remove. 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 2019-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I don't recognize this accounts. I never applied for it, I don't have any contracts or agreements with this companies.

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 2017-11-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I dispute transaction ref # XXXX, XXXX and XXXX, and then bank of america provide claim ID # 's XXXX, XXXX, and XXXX. The purchase was from XXXX and the transaction amounts were {$74.00}, XXXX and {$460.00}. The transaction were disputed because the shipment not being received. I tried to go to the company and ask for a refund however, was denied because the shipment said delivered. However, I did not receive the shipment. Upon reviewing the track number no proof of deliver was provide that had my signature or a signature of anyone I authorize to pick up the shipment. I proceed to dispute the amount with Bank Of America and a credit was issued for the amount. On XX/XX/2017 the credits were reversed for no reason or follow up. The merchant has not provide evidence nor have I received evidence showing I received the package. I respectful ask for a credit to be issue and a refund out to the merchant 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 2018-03-16
Company: ERC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
There are 3 companies involved : 1 ) XXXX XXXX XXXX, 2 )  ERC ( phone # XXXX ), and 3 ) XXXX. This involves XXXX XXXX XXXX account # XXXX. 

I have previously had my identity stolen, filed a police report, and successfully had several fraudulent XXXX accounts opened at various addresses in the XXXX area expunged. 

XXXX initially contacted me in XX/XX/2017 about an XXXX XXXX XXXX account that was opened in my name, providing service to an address that I have never lived at. I told them it was fraud, gave them a copy of the police report, and sent me a " fraud packet '' which I was to mail back to XXXX XXXX XXXX ( I did ).  Simultenously, I disputed all of the debts with all 3 of  the credit reporting agencies, and all 3 of the XXXX XXXX XXXX debt from my credit history. 

I have never heard back from XXXX XXXX XXXX since then. 

However, today I received a new debt collection letter from " ERC, '' who had the same account assigned to them from XXXX XXXX XXXX. They stated they would re-file the debt with the credit reporting agencies in XXXX, despite me previously having sent my " fraud packet '' to XXXX XXXX XXXX and successfully disputing the account as fraud with the reporting agencies. 

This is getting tiring. Can you please contact the involved parties and make them stop? In addition to these letters, I still get daily debt collection cold calls that haven't gone away since XXXX first contacted me. 

Thank you for your help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03
Company: Experian Information Solutions Inc.
State: NC
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:
Items are on my credit report that do not belong to me.

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 2018-03-18
Company: DISCOVER BANK
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: Account status incorrect

Complaint:
I have 3 things on my credit report that I want to dispute. 

I have an account with XXXX, XXXX reporting that I owe the amount {$1200.00} to a cable or cellular company. My credit report shows that this account was assigned on XX/XX/XXXX 

I have an account with XXXX XXXX reporting that I owe {$220.00} to a cable or cellular company. My credit report shows that this account was assigned on XX/XX/XXXX 

I have an account with Discover Bank that shows that I owe the amount of {$750.00}. My credit report shows that I opened this account onXX/XX/XXXX. 

I will need written contracts with my signature showing that I agreed to open these 3 accounts and pay these fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15
Company: AR Resources, Inc. (FL)
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I recieved medical treatment from XXXX XXXX, paid all invoices that were my financial responsibility. Final bill was paid XX/XX/2017 via XXXX Debit Card. 

One year after payment, AR Resources reported to all credit reporting agencies that I had an open account for collections for the medical bill I already paid. 

I contacted XXXX XXXX, they told me that my balance was {$0.00}, and that they would contact to AR resources to inform then of payment. 

I contacted AR resources, they told me could not do anything until XXXX XXXX   contacts them. 

Two weeks later my credit score continues to fall due to an account that I have paid in full a year ago. There is a breakdown in communications between the two parties, and whose fault of them, not mine for not communicating with each other, is affecting me financially.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10
Company: MiraMed Revenue Group LLC
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Miramed Revenue Group indicated that it was suspending collection activity, however, I am attaching the information for their review as it pertains to their client and how many other claims are to be processed with the insurance and their client ( s )  have already been informed that all is due is a copayment and that copayment may have already been paid. In addition to these expenses, there are corresponding laboratory expenses that have not been billed properly through insurance. XXXX   XXXX 's XXXX has also been paid the full balance of {$540.00} or is pending receipt. I have attached the most recent receipt with all prior money order ( s ) numbers. All medical expenses were covered by insurance and none were elective treatment ( s ) but were medically necessary. XXXX will also be notified.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
on XX/XX/2019 and XX/XX/2019, I deposited checks I received into my account. I waited for the checks to clear to make sure they were legitimate. the checks cleared and I used the funds. the first check was then returned unpaid & the second check was returned to the sender after it had already been cleared and a portion of it was used by me. is this legal. I talked to the bank but nolt getting any satisfactory answers.. the amounts were XXXX and XXXX. its causing a lot of mental, physical & emotional stress to me & my wife. can you help me resolve 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 monetary relief
Consumer complaint received 2019-10-03
Company: EQUIFAX, INC.
State: AZ
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 filed and been discharged from a chapter XXXX bankruptcy. I was also a victim of identity theft a couple years back, I submitted all information to ALL 3 BUREAUS TO HAVE MY information fixed. No one has fixed the information. I now have 85 INQUIRIES on my credit report which were unauthorized. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21
Company: Monarch Recovery Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Monarch Recovery XXXX Calls and messages have used extremely abusive tactics. One agent claimed to be a law office and said they had repeatedly sent communications to my address that were not responded to, so they were going to file with the local courthouse ( not named ). This was false. Yesterday an agent claimed they were from a local courier agency ( not named ) and that they were required to show up to both my employer and my home that day. Of course, nobody came.There have been repeated calls to my mother, grandmother, my mom 's ex husband, and my ex husband. One agent revealed my financial information including the amount of the debt to the family members they have called.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
XX/XX/XXXX _ I received and invitation from Bank OF America to consolidate my loans- called the gold option line of credit acct. number - XXXX. The agreement was a XXXX personal loan at 3 % interest. The term was for a 96 month repayment of this loan stating that each time I access the loan the schedule will restart- I immediately paid off my other credit cards within the month of XX/XX/XXXX- I  never attempted to access these funds again for the past 10 years. When I called to ask why I was still paying and my loan was not resolved in XXXX I was told that Bank Of America changed my interest rate in XXXX and notified me in my bill of the change, here is where the fraud begins. 

1. I never agreed to and interest rate change per our original agreement.
2. I did not violate any of the rules set forth in our agreement to initiate a change. 
When I called bank of america about this issue I was told Bank Of America reserve the right to change my rate at any time without my consent, This seems to be very fraudulent since this was not part of our original agreement. 
To date they have failed to produce my original agreement but they were able to access a similar document. See attached. 

I continue to receive calls for and outstanding balance of XXXX in addition I was told that my rat had changed to 18 % Yet my payment received due remained the same. 

I have asked Bank Of TO RESOLVE THE DEBT IMMEDIATELY I HAVE PAID THE FOR 10 YEARS XXXX PAYMENT OR {$83000.00} I continue to be harassed by their collection agency, last years ehis resulted in a XX/XX/XXXX where I was admitted to XXXX XXXX XXXX spending 3 days in the hospital due to stress. my Hospital bills were in excess of {$23000.00}. 

If bank of America can not fix this problem I will be forced to seek legal advise for pain and suffering, and a class action law suite XXXX 

Sincerely XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX Veteran

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 2019-03-29
Company: PHH Mortgage Services Corporation
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our mortgage was sold to PHH mortgage services. We wanted to reduce our monthly payment by removing our home owners insurance from escrow. I fought with them for months because they said it was not possible. After multiple calls and several mail correspondence, they finally took my insurance off the escrow. But then my payment went up nearly {$100.00} a month. They claim it's because my property taxes went up. I checked with the city and they said they may go up {$44.00}, not hundreds of dollars. Everything is a struggle with them. And I'm pretty sure they are ripping me off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: ID Analytics, Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
SageStream, XXXX, XXXX adamantly refuse under any circumstances rational or otherwise to release my legally entitled free report or to discuss any remedy to release other than to " Read the letter '' in 9-14 days. 

All state in letter that scan ID images can not be verified SS, PASSPORT, DRIVER ID, DMV Documents. All id scans used were exact images furnished to approve bank and credit applications without issue Documents were scanned high quality and faxed XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX Registered Mail Sent on XX/XX/XXXX with Hi res scans of Social Security, License, Bank Statement, Passport and Credit Statement were never adequate

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I suspect that your company may be guilty of fraudulently obtaining my personal information which is identity theft ( PLEASE SEE ATTACHED FTC IDENTITY THEFT REPORT, Attorney general complaint and letter for validation )

Company response to consumer: Closed with explanation