BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Capital One informed me card was frozen. Some unknown person used my personal information to add him/herself as an authorized user of my VISA card. Capital One has cancelled that card, is issuing me another. Advised me to file fraud alert with XXXX ; have done so. Advised me to file same alert with FTC whose website directed me to your agency. 
I will now have to contact the many organizations whom I pay by charge ( to the cancelled card! ), as well as the many e-tailers with whom I do business. Until my new card arrives, I have NO credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12
Company: CAINE & WEINER COMPANY, INC.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am writing to you because this debt is too much for me to repay at this time as I am unemployed and I was recently badly injured because I was hit by a XXXX driver. As a result I can not work and I am asking for a deferment and to have the derogatory marks removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11
Company: I.C. System, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Continued daily robo calls all day and evening calls registering different numbers from different states. Debt was settled and paid to creditor XXXX XXXX XXXX but daily harassing calls will not stop to my cell number XXXX. Calls show up from different states and numbers but when answered its always a bot calling from same company. Numbers listed were XX/XX/XXXX XXXX WI, XXXX Long Beach CA, XXXX, XXXX XXXX CA XXXX many daily numbers from same company to list. I am considering changing or dropping my cell number and phone altogether due to harassment. XXXX was paid in full XXXX XXXX XXXX and paid in full but daily Robo calls will not stop. Company may be upset because I dropped service and switched recently to XXXX  due to bad service and dislike XXXX as I explained to a Rep when I contacted them directly to report this and pay any outstanding valence on XX/XX/XXXX Please do not publish my direct cell number to any public boards that can be viewed by anyone other then the ones who resolve these issues.

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 2021-05-05
Company: JPMORGAN CHASE & CO.
State: IL
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 already reached out to the credit bureaus and to JPMCB - CARD SERVICE and notify them of their error posting of information on my report. I never missed any payment on these accounts. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I requested to generate me personally with a detailed description of the procedure designed to verify the account is " accurate '' but as of the moment no information received. I had also requested the actual proof, physical firsthand documentation of the payment history but I did not receive what I asked and these violations persist on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: Experian Information Solutions Inc.
State: WI
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:
In accordance with fair credit reporter act XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 I also states a consumer reporting agency can not publish or furnish account without my written consent or instructions

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 2021-09-11
Company: EQUIFAX, INC.
State: NY
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 contacted Equifax, XXXX, and XXXX XXXX several times about fraudulent activity on my account. I sent my XXXX drivers license and passport serveral times and can not get my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: Mr. Cooper Group Inc.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Mr Cooper committed fraud when they charged for a payoff quote request that was neither requested nor provided. I paid off my mortgage on XX/XX/2020. XX/XX/2020 I sent an email requesting a return of over-payment or an accounting. After several emails they finally returned partial over-payment, but kept a fee for Payoff Quote Fax Fee. I have repeatedly demanded proof of a quote request and a copy of the fax, or refund that amount. They have refused to provide and are now ignoring any requests for information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11
Company: Advance America, Cash Advance Centers, Inc.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Loan payment wasn't credited to your account

Complaint:
ADVANCE AMERICA LOAN NO. XXXX On XX/XX/XXXX I made a full payment in the amount of {$1000.00} with my XXXX Debit card. Payment was accepted. Two days later, I went to the local office to take out another loan and to my surprise, my account did not reflect the payment I made on line. I called customer service and explain the problem in detail, the agent informed me that she would forward the problem to her IT department to investigate what happen to my debit card payment and someone would call me back with the answer. NO ONE CALLED ME. Also keep in mind that I sent to messages via Adv. Amer. website and to this date no one has replied. I called on Tuesday morning and was told by a second agent that the payment failed and was not processed. I was very upset but at least had the answer so this time I used my XXXX checking account to make the payment which was now over {$1100.00} ( paid additional interest for Adv. Ame. XXXX UP ) The money was taken from my XXXX account the same night XX/XX/XXXX and the Adv. America shows XXXX balance. 
Today XX/XX/XXXX I went to take out another loan and was told that the " payment was still in process '' and I had to wait 3-5 days to be able to borrow again. I was never given the opportunity to call XXXX to confirm that Adv. American had been paid. I made a third call and this time I spoke to a supervisor and she did not do anything to resolve this issue and refuse to do anything about the additional interest I had to pay through no fault of mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
XX/XX/2022 XX/XX/2022 XX/XX/2022 The company put three separate inquiries on my report on the dates listed above without my knowledge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-29
Company: U.S. BANCORP
State: MD
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:
Incident Date : XXXX XXXX, 2016 Incident : A payment of {$1200.00} on an XXXX XXXX credit card account processed twice. 

Attempts at Reconciliation : I contacted XXXX at the time of the over-payment, at which point they tried to give me credit in the amount instead. As I explained to them, credit is not cash and I would eventually have to pay it back to them with interest, therefore it would in no way constitute a reimbursement. 

They agreed to send me a check, but when I received it, it was for less than {$200.00}. When I called back to ask about the discrepancy, they acknowledged the mistake but told me they could not send a check for the full amount as I had to have at least the amount in available credit to do so. 

I had several conversations with Customer Service since then and was told several different things. I lost my credit card and when I called to replace it today I asked if I could finally be reimbursed. This time I was told - alternately - 1 ) that I needed a BALANCE of at {$1200.00}, not available credit. ( This would require me to spend {$120000.00} to get  a check for it, which seemed completely nonsensical to me. ) and 2 ) when I pointed out the logic flaw, that " it was too long ago. '' Since it took this long due to mistakes on the credit card company 's part, I do not believe I should lose {$1200.00}. Additionally, according to Regulation Z of TILA,  in a case of consumer overpayment, the involved creditor must " Make a good-faith effort to refund the amount of the credit to a deposit account of the consumer if the credit remains for more than six months. '' No such effort was made - in fact, I feel I have been more obstructed by Elan than helped. 

I was ultimately told that I would receive a letter within 10 days detailing their " decision, '' which I did not find promising given my experiences over the past year, so I opted to move ahead with a complaint.

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 2021-09-11
Company: GreenSky, LLC
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 information incorrect

Complaint:
I recently opened an account with XXXX. Shortly after opening the account, I paid the balance off in full. I recently pulled my credit report and discovered XXXX is still reporting the account to the credit bureaus with almost the full balance. I filed a dispute through the credit bureaus advising them and XXXX that the account was paid in full. XXXX responded by denying that the account was paid in full. Because of XXXX 's response, the credit bureaus refuse to update or change my credit report. This is causing damage to my credit because it inaccurately reflects a debt owed during a time that I am trying to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16
Company: ProCollect, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I have been trying to get a debt validated on my credit report for the last year and each time I have called Procollect Inc., a third party collector, they have been very rude to me and told me that they do not have send me any proof that I owe this debt because they sent it. I never received any paperwork. I just found out last week that there were too evictions filed against me. I contacted the original creditor about this debt XXXX XXXX XXXX XXXX and they told me they didn't have any information and I would need to contact Procollect Inc. I have not been able to get any supporting documents that I truly owe this debt and it is killing my credit and prohibiting me from renting an apartment.

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 2019-03-24
Company: BARCLAYS BANK DELAWARE
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:
My social security card was stolen with lots of my document in the year XX/XX/2017 during XXXX, and since that day a lot of hard inquiries have been showing up in my credit report I have contact the companies where does accounts were open but they have not removed them from my 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 2019-03-24
Company: CNG 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: Information belongs to someone else

Complaint:
My social security card was stolen with lots of my document in the year XX/XX/2017during XX/XX/XXXX, and since that day a lot of hard inquiries have been showing up in my credit report I have contact the companies where does accounts were open but they have not removed them from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02
Company: Nelnet, Inc.
State: OK
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
XX/XX/2018 I was informed that XXXX XXXX was going to help me lowered my student loans. I was also informed that if I pay them {$100.00} a month they will helped me cut my student loan in half. However, this did not process thru it only made me paid double for my student loan. My original student loan wasn't cut in half it remained the same while I'm getting charged {$100.00} a month for 10 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11
Company: Consolidated Information Services Solutions, LLC
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: Investigation took more than 30 days

Complaint:
I have contacted both XXXX  XXXX  COMPANY AND XXXX ( CREDIT BUREAU ) about XXXX paid off auto loans not reporting on my credit report. The two accounts are reporting paid off on XXXX XXXX XXXX but NOT XXXX. XXXX told me that they sent my loan information to XXXX but yet the account never posted to my credit it has been A YEAR OF CONTACTING BOTH COMPANIES BUT NO RESULTS! PLEASE HELP ME GET MY PAID OFF LOANS REPORTED TO MY XXXX CREDIT REPORT!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10
Company: I.C. System, Inc.
State: NJ
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'm in the process of cleaning my credit and came across this account in my file. It is saying I owe a debt to which I am unaware. Please provide validation via mail. As per the fair credit reporting act. 
1. Original contract with signature 2. Original bills with breakdown 3. Notarized copy of the purchase of debt 4. Copy of your bond and license to collect in my state.

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 2021-10-09
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax and XXXX are still reporting a fraudulent account from XXXX XXXX XXXX  that I have disputed numerous times. They claim it has been verified by the source, but if that was true why did XXXX delete it for not being verified. If they verified it with the same source, they should get the same results. This is unlawful! I have a right to privacy, a right to only have accurate information report on me and if a social security number was used to pay for this loan, then this is a consumer credit transaction and it is fraudulent to collect on something that is already paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX erronously opened an escrow account w/o my authorization. There was a gap in Homeowners Insurance that was corrected and paid in full. A new in force policy was provided to XXXX timley. My loan # is : XXXX ; the property address in : XXXX XXXX XXXX, XXXX XXXX, CA XXXX. This is the second complaint I have filed. I filed complaint # XXXX on XXXX XXXX XXXX XXXX. I have heard nothing from XXXX or the CFPB re my prior complaint.,

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 2021-04-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was contacted multiple times by the company regarding a debt. I told the company that the debts are not mine. I was told that it is mine and I need to pay now and was offered a reduction. Each time they were rude and even laughed. 

I was not told that I can dispute or even how to dispute the file within a specific timeframe or any information except to pay the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11
Company: EQUIFAX, INC.
State: AL
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: Was not notified of investigation status or results

Complaint:
on XX/XX/2021, i sent XXXX AND EQUIFAX letters regarding the inaccurate and incomplete items they are reporting om my credit report.i sent it USPS certified mail w/tracking # XXXX XXXX XXXX XXXX XXXX, and i have not received anything thus far concerning this matter from neither of the CRA 's. they have also violated 15 USC 1692 F ( 1 ) STATUS 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-24
Company: CREDIT ACCEPTANCE CORPORATION
State: MD
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 a Credit Acceptance Corporation customer since XXXX and have been making my payments since XX/XX/XXXX on time, even earlier than due date. I sent the corporation a certified goodwill letter asking if they could remove the negative report from my credit file ( repossession ) as though I still have possession of the vehicle and I've been paying every payment on time. I'm seeing that they removed the remarks but it was recently added back on my credit. They are also reporting that they took possession of the car and that the account is now closed, and that balance has increased to the credit bureaus all of this is incorrect. They are reporting negative incorrect information to the credit bureaus. My account is not closed and I have not missed any payments. This is such an inconvenience to me and its a shame that they do this to loyal customers. I've been trying to get a hold of someone but I've been unable to speak to a representative. They have not called or sent any letters to me or communicated in anyway. Please investigate to look into this matter thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation