BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
To whom it may concern, I have tried to get in touch with Capital One repeatedly about this situation. They are currently reporting two accounts on my Credit Report without verifying my information like I have asked them to do. I have sent multiple letters asking for verification of any contracts bearing my signature and they have failed to provide that proof. They continue to " verify '' my account with the credit bureaus but have failed to share the documents that they are verifying these accounts with.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14
Company: Merchants and Medical Credit Corporation, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Merchants & Medical Credit Corporation ( " Merchants '' ) is attempting to collect {$310.00} for an invalid medical debt. Merchants is the debt collector for XXXX XXXX XXXX XXXX XXXX ( " XXXX XXXX '' ) who provided emergency ambulance services to me on XX/XX/XXXX. My health insurance reimbursed XXXX XXXX {$690.00} pursuant to my medical insurance policy and the insurance 's reimbursement process. I was never notified by XXXX XXXX or anyone else that further money was needed until a negative collection report was reported on my credit report by Merchants. 

On XX/XX/XXXX, I sent a letter to Merchants by certified mail ( acknowledged and signed for by a Merchants representative ). Merchants has not responded. In my letter ( see attached ), I made several points : 1 ) The {$310.00} was invalid because Merchants was engaging in balance billing, a practice prohibited by California law ( XXXX XXXX XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX ( XXXX ) ) ; 2 ) Merchants likely violated my due process rights by violating the Fair Debt Collections Practices Act Section 809 ( a ) s requirements for written notices ; and 3 )  Merchants changed billing statements from the incorrect city ( XXXX XXXX ) to the correct city ( XXXX ), presumably to create the appearance that they had provided adequate notice. 

To date, Merchants has not responded to my letter. Merchants removed the collection account from my credit report but started reporting the collection account again on XX/XX/XXXX. I filed a dispute with XXXX  on XX/XX/XXXX and did not receive a satisfactory dispute response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-20
Company: EQUIFAX, 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 have reached out to the company numerous times and went to the credit agency for further investigation with no help. 
XX/XX/2018 XXXX XXXX XXXX  XXXX XXXX, XXXX Re : File Number XXXX Dear Agent, Thank you for your reply of XX/XX/2018, Attached is all my correspondence with the XXXX XXXX XXXX with whom I apparently owe {$9500.00}. As you will see I have offered on numerous occasions to settle the amount owing in full upon their assurance in writing that they will provide me with the original instrument of indebtedness in its original form. 

You will see in my letters dated XX/XX/2018, XX/XX/2018, XX/XX/2018 and XX/XX/2018that I have repeatedly made these offers. XXXX XXXX XXXX on every occasion has either overlooked or ignored my requests to exercise equity in redemption and by refusing to acknowledge that right they have refused to accept payment in the process. That settled the matter legally and financially on XX/XX/2018 however as a courtesy I gave them another 10 days to respond which they did not. This settled the matter once and for all on XX/XX/2018. 

I have since been harassed by XXXX XXXX XXXX and a third-party repossession company with whom I have no contractual relationship. They are third party interlopers and have no knowledge of the matter between myself and the XXXX XXXX XXXX and have no business what-so-ever harassing me. However, as a courtesy I have kindly offered both these agencies settlement in full on the amount owing upon their assurance in writing that they will provide me with the original instrument of indebtedness in its original form which binds myself and these agencies. Neither of these agencies have offered to accept payment from me on either occasion. 

To date XXXX XXXX XXXX, has not made any reference to the original instrument of indebtedness in any of their correspondence. It seems to me that there is no original instrument of indebtedness in existence which again settles the matter legally and financially. 

I would appreciate if you would review my documentation and obtain a statement of facts from XXXX XXXX XXXX outlining exactly why they can not produce the original instrument of indebtedness, why they have had their lawyers harass me for a nonexistent debt and why they have referred this non-existent debt to a debt collection agency. 

Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14
Company: First Federal Credit Control, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Dear CFPB, Could you please help me to negotiate the amount of this collection with the creditor? I called them but they were not willing to negotiate with me. I would like to pay them as soon as possible. 

Thanks!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: SLM 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: Information belongs to someone else

Complaint:
There are 8 loans on my credit report that do not belong to me I have not signed or applied for these I have no clue how these got here. 

Account Name : SALLIE MAE BANK INC Account Number : XXXX Reason : Unverified account Account Name : SALLIE MAE BANK INC Account Number : XXXX Reason : This is not my account Account Name : SALLIE MAE BANK INC Account Number : XXXX Reason : This is not my account Account Name : SALLIE MAE BANK INC Account Number : XXXX Reason : This is not my account Account Name : SALLIE MAE BANK INC Account Number : XXXX Reason : This is not my account Account Name : SALLIE MAE BANK INC Account Number : XXXX Reason : This is not my account Account Name : SALLIE MAE BANK INC Account Number : XXXX Reason : This is not my account Account Name : SALLIE MAE BANK INC Account Number : XXXX Reason : This is not my account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Problem with personal statement of dispute

Complaint:
A request was submitted to Capital One asking for a goodwill removal of a 30 day late payment. I believe this company is being " unreasonable '', I offered to submit pertinent documentation as to why I was late ( medical reasons-XXXX ), the response given to me is unacceptable, Capital One cited the FCRA will not allow them to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14
Company: CORELOGIC INC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
What Compliant? 
CoreLogic RunDate XX/XX/XXXX What type of Problem? 
XXXX XXXX Test Account XXXX, VA XXXX What Happened? 
Fraud Court Record Judgement on File* ( XXXX ) XXXX File Date is ( XXXX ) or more Years Old without Removal* XXXX What Company? 
CoreLogic_XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX Who is Involved? 
CoreLogic XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Denotes Identity Theft in the Collecting and Selling of Information for the use in Credit Determination as well as ' Unfair or Deceptive Business Practices.

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 2018-03-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
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: Card was charged for something you did not purchase with the card

Complaint:
XX/XX/XXXX 3x {$20.00} charges made on a card we do not physically have and thought we had closed. we had not used the card in over 2 years. XXXX was at work and I was out of town when these charges were made to XXXX, so neither of us had access to a computer and know nothing about this website. We would not have use for online gaming purchases since we do not game online. We disputed the charges on XX/XX/XXXX by calling, filling out a fraud report. We do not have the physical cards or an online banking with Capital One. They closed our account. I called XXXX, our " investigator '' at XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and left messages since he has not bothered to call us back. We have sent a written response 3X, 27+ pages, and have not received any acknowledgment of these 3 written letters. XX/XX/XXXX we received a letter stating we were responsible for the charges, {$20.00}, {$20.00}, {$20.00}, {$25.00} late fee and {$1.00} interest. Capital One re-opened XXXX 's account with a NEW number and have not sent the physical cards. We were not aware that Capital One can open a credit card THAT WE DO NOT WANT. This was done on the XX/XX/XXXX - XX/XX/XXXX statement. We have called, closed the account once, disputed the charges and sent documentation to back up our claims, and requested statements on the account from XXXX - XXXX that we do not have records for. We do not have the physical cards, were not using this account we had thought was closed and have no online banking with Capital One. They have REOPENED a credit card without our permission. Is this even legal? They will not respond to our attempts to contact them. HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: Nelnet, Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I filed a dispute regarding items on my credit report.. I has been well over 30 days and I haven't received any results.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Bank of America closed my account due to fraudulent activity. A check for XXXX was deposited into my account XX/XX/18. I was out of town in Massachusetts at our family cabin where we dont have service, so I was I unable to check my account religiously. Besides I Left my card at home and I was unable to use it anyways. I got back on the XXXX and I ordered something from XXXX. I did check my account then but I did not see any suspicious activity. On the XXXX I received an email stating that I was being sent a new card which was extremely strange. I did call the bank hoping to speak to someone about the matter, it was pretty late so I didnt think to cancel my card or anything. On the XXXX I went to check my account and it was closed. I called Bank of America and they were extremely passive about the situation and they never informed me that there was suspicious activity being detected or call me NOTHING! Im extremely frustrated because my concern is what this will do to my credit or will this be something that affects my future endeavors. I would like for this to go away and open my, even if I walk away and join a new bank I do not want this to be on my record.

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 2018-03-14
Company: COAST PROFESSIONAL INC
State: CT
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In XXXX of 2018 I was contacted by the debt collectors, Coast Proffessional Inc, about a payment arrangement to settle my defaulted student loan. I agreed to the terms and the payment plan which was {$37.00} a month and they would stop my paycheck garnishment and get my loan out of default. Despite our agreement Coast Proffesionals Inc took my Federal income taxes of {$4300.00} even with me paying my {$37.00} a month as we agreed. I am a single mom who has lost her job as of XX/XX/2018. I have no other way of supporting myself and my child. I called Coast Proffessional Inc and discussed this with a manager. He let me know that I should have received a notice that this would happen but with me telling him I never received such notice, all he could do was be rude and repeat that I was still in default even though I am on a payment plan. As I stated above, I am a single mother with no income. My daughter is still in diapers, needs food and is starting school soon. It is not fair to leave us stuck in this bind without notice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-20
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: Information belongs to someone else

Complaint:
I have no knowledge of the following accounts, nor do I have a contract with them, and according to the FCRA these accounts shall be removed from my credit report. ( 1 ) XXXX XXXX XXXX {$730.00}, ( 2 ) XXXX XXXX {$56.00}

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 explanation
Consumer complaint received 2018-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
NOTE : This is a CHALLENGE as I am NOT DISPUTING.

I am always checking for mandatory compliance and am fully aware of the CFPBs enforcement capabilities with furnishers who are non-compliant with the Law, specifically when it is injurious to a consumer. I am requesting a MANDATED COMPLIANT Metro 2 format reporting to be presented with a CERTIFICATE of COMPLIANCE demonstrating that the accounts are entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented through testimonial through that certificate of COMPLIANCE making undeniable lawful standing of the claim.

Per Law any deficient or substantial and evident matters of facts would be unethically reported and even illegally reported based on several laws that the CFPB has jurisdiction over. With that said, to retain such injurious, inaccurate, non-compliant and harmful items is an infraction to these laws as per mandated compliance.

The items attached are non-compliant as per the FCRA and CROA requirements!

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 2018-03-19
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Opened XX/XX/2016. Closed my u verse account because it was too expensive never received a final bill or collection attempt because they had the wrong apt number. XXXX XXXX XXXX reported a derogatory mark on my credit history reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I made a purchase on XX/XX/XXXX at XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. I was offered 2 years of 0 % interest on my purchase and I was told since I already had a Synchrony credit card at Ashley Furniture I did not have to open a new credit card. My contract clearly states i will not be charged interest for 2 years and my existing Ashley credit card was pre authorized. On XX/XX/XXXX XXXX 's rework my contract due to numerous incidents of bad customer service and issued a credit which lowered my bill. I received a new contract on this date but the financing agreement remained the same. A week ago I received a bill which shows I'm being charged interest. I immediately called Synchrony and they informed me XXXX 's failed to add the special financing. I then contacted XXXX 's and they now refuse to honor the special financing which is clearly shown on my contract. I have filed several complaints with the XXXX XXXX XXXX but XXXX 's and Synchrony refuse to honor this agreement.

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 2018-02-21
Company: BARCLAYS BANK DELAWARE
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I am trying to link my Barclays us account with XXXX but Barclays is blocking and will not let me transfer funds.i also am not able to receive a debit card in the states either. Barclays is not a good bank to have if you live in the states.

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 2017-11-28
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I sent some money to my mother on XXXX, through the account transfer feature on the Money gram app. As of today, XXXX, the money has not been credited to her account. I have reached out to money gram on different occasions to let them know this money has not been received. To that, they have told me that the issue is not with them, but with the bank. 
They recommended that I work with the bank to resolve this issue. The bank confirmed today that they had not received the money, so I am very frustrated!!! 
I had asked Moneygram on XXXX to send me the details of their contact at the bank so that I could reach out to the officer to help resolve this issue. They told me they did not have any details and insisted that I should resolve the issue myself. 
I have never dealt with an organization that would be so nonchalant about something this serious. Both parties in this transaction, the bank ( XXXX XXXX XXXX XXXX ) and Moneygram are not willing to help resolve this issue. 
Please if the Bureau can help I would really appreciate it because Moneygram is taking their fiduciary responsibility for granted on this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-14
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My loan qualifies for public loan forgiveness and the loan servicer is not properly including my total number of payments towards loan forgiveness. I have called and filed requests numerous times. The first request ( employment verification ) was filed in early XX/XX/2017. When I called on the status of this request they stated the had not properly filed the paper work and I would have to refill. I re-submitted the form in XX/XX/XXXX and they stated it would take 60-90 days to process and count the payments towards loan forgiveness. It has now been 7 months and they have still not completed the request to count all my payments. 

Each time I call they say they are working on it but I have yet to see any results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-14
Company: AMERICAN HONDA FINANCE CORP
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: Public record information inaccurate

Complaint:
XXXX is reporting my current auto loan from Honda as derogatory and included in my bankruptcy and it wasn't. As you can see on XXXX it is current and I owe {$6300.00} on rest of loan. 

See attached screenshot of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
For several years I have been called by portfolio recovery for a final payment on a gap credit card that shows record for not being paid. 

The unpaid balance is under {$30.00}. 

Someone has added unpaid charges on {$30.00} to the some of over {$350.00}. I have agreed to repay the last payment that was missing but will not pay and addition {$320.00}. I have had them note the account several times and they do not. They refuse to take the amount I have agreed to pay again and drop it. 

I just started a new job and they have now found my work number and called it. They OBVIOUSLY know it is my work number which is NOT ACCEPTABLE!!! 

Lastly, They are messing my credit up for {$25.00}. They are hunting me down as though it is {$1000.00} of dollars and.

Company response to consumer: Closed with explanation