BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I sent the payment coupon that was attached to the statement that they send me every month. I endorse it and sent it back certified mail. I received my green card back stating that the company received the payment coupon. I called today Monday XX/XX/XXXX and see what going on with my payment. I was told that they didnt receive my payment coupon also that it was not a form of payment. I asked if they can send my original payment coupon back and I was told they couldnt but could send a copy of the billing statement. I even stated this law 15 usc 1693o-1 along with public law 106-229

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25
Company: EQUIFAX, 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: Account information incorrect

Complaint:
When creditors pull my credit from Equifax ( or XXXX, but I'm making a separate complaint for XXXX ) they mark one of the reasons for denial as a " serious delinquency. '' There are NO delinquencies on my account ( charge-offs, bankruptcy, missed payments, etc. ) and this has been confirmed by : 1 ) me pulling my credit report directly from equifax 2 ) calling Equifax customer service multiple times ( most recent was XX/XX/2019 at XXXX PST ) Both myself and Equifax customer service looked at our most recent reports and have found NOTHING wrong with my credit profile. Equifax customer services tells me that my only way to fix this is to call the creditors ( XXXX XXXX and XXXX XXXX XXXX  ) and have them manually look at my credit report. I shouldn't have to do this. Credit reporting agencies are tasked with accurate storage, encryption, and relying data to the banks and somehow it's getting reported that I have a serious delinquency when that is not true. 

I want this fixed. I shouldn't have to call every creditor that pulls my Equifax report and explain to them that there's an error.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm having extreme trouble having two items removed from my credit report of Expireian and XXXX. 

Item 1 : XXXX XXXX ( installment loan ) Item 2 : XXXX ( debt collection ) *its worth noting that when you look at my credit report I only obtain loans from XXXX XXXX XXXX XXXX , no one else, especially high risk high apr payday type loans. 

As a person who only receives a fixed income these items are causing me great and irreparable harm. I have repeatedly disputed these fraudulent items with both XXXX and Experian to no avail. 

XXXX however removed them so I know its possible. I need help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: Paypal Holdings, Inc
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Paypal had held my earnings from my PayPal business account. They are not able to give me a reason as to why they have stolen my money. I made the account in order to accept payment on my XXXX store where I sell XXXX XXXX XXXX XXXX XXXX. After I had accepted orders using PayPal and shipped the items, PayPal said I can no longer use their service and are " holding '' my money aka STEALING. I called and emailed them but they don't have an answer for me. please help I was trying to start a small business but they scammed me out of all of my startup funds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-27
Company: Upgrade, Inc.
State: PA
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:
Starting in early XX/XX/XXXX, I noticed that even though my payments are automated, and whatever the required payment is, I was shown as owing ~ {$10.00} still. Upgrade has had this problem before where they continue to say I owe when I dont. So Im an attempt to resolve myself, I made the {$10.00} payment on XX/XX/XXXX. I first attempted to email, request # XXXX and they wouldnt help me over email citing privacy, so I called Upgrade on XX/XX/XXXX, and they said they would look into it. I then got an email on XX/XX/XXXX saying that I still owed {$7.00}. 

Throughout XX/XX/XXXX, I call over 10 times checking on the issue, being given the run around, being assured the problem was being looked into and would be resolved. 

I even called again on XX/XX/XXXX to insure they wouldnt report my late, Upgrade Request # XXXX. 

On XX/XX/XXXX, I start getting multiple alerts that I am delinquent on my Upgrade card account. I immediately called Upgrade support and they said they would resolve the issue. I called the next day to check the status and they said it would take 10 businesses days to resolve. I was patient and waited until today, XX/XX/XXXX, called back because the issue was not resolved. Still they transferred me elsewhere and forced me to leave a voicemail. So Im submitting this complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
A person came on the line and would not listen to what I was saying. I kept saying I disputed two collection accounts with them back in XXXX of 2019 but they showed back up on my credit bureau. I explained that XXXX and XXXX XXXXs and XXXX refuse to remove these items even though I have disputed and requested written validation that I owe these companies. These Companies state I owe a cancellation fee and this is not true. I cancelled my service within the 3 days that are allowed without being charged a cancellation fee. These companies refuse to provide proof BECAUSE THERE IS NO PROOF BECAUSE I CANCELED WITHIN THREE DAYS.

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 2017-09-29
Company: ProCollect, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I have contacted pro collect to try to settle/pay debt off owed. they gave me a settlement amount to pay, that is still more than I can afford in a one time payment. I tried to pay a lower amount and they refused to take it saying I do not qualify for payment plan. I accept this, but would still like to pay something so I can begin to lower the debt and they refuse to take any payment other than full amount. they told me that due to the fact I can not pay now they will be pursuing other collection actions. when asking what they were going to do and trying to ask questions they informed me that they did not have to answer my questions. XXXX XXXX has since began calling me to collect and I still can not pay the amount in full since it has been two days.

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 2017-11-14
Company: IQOR US INC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
The most recent call from Allied Interstate came today XXXX XXXX, XXXX at XXXX am. They hide their number which is ( XXXX ) and get rude and belligerent with when you tell them they have the wrong number that XXXX XXXX XXXX does not live here and you do n't have contact information for him. 

They call my home and cell phone numbers constantly harassing and abusing me for XXXX XXXX XXXX and I DO NOT KNOW THIS PERSON.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.

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 2022-04-28
Company: Rocket Mortgage, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I asked Rocket Mortgage to stop making sales calls and they said they would respect my wishes but kept making sales calls, even when I finally worked with one of their brokers, and again after I stopped working with her.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-23
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
hippa and ftc violations they have been sent police reports and ftc will not fix them Equifax and Experian XXXX XXXX XXXX XX/XX/2020 Source Experian Company XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX-XXXX  Phone XXXX XXXX XXXX XXXX XXXX ( Collections ) Balance Date XX/XX/2020 Balance {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 Source Experian Date Submitted XX/XX/2020 Estimated Resolution Date XX/XX/2020 Report Number XXXX Account Number XXXX Company XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2020 Source XXXX  XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX  XXXX XXXX XXXX, GA XXXX Activity UNPAID ( D ) Balance {$1600.00}

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 2022-04-28
Company: EQUIFAX, INC.
State: GA
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 the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Acct # XXXXXXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A States I have the right to privacy.

15 U.S.C 1681 section 604 A States that a consumer reporting agency CAN NOT furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied online as a member of Navy Federal Credit Union for a credit card onXX/XX/XXXX2017. Within a few hours in was an online message declining. I called the next day and onXX/XX/XXXX2017 to inquire why but was told the letter was mailed out last week explaining the reasons for being declined. However I never recieved anything so I called again todayXX/XX/XXXX2017 to ask could the letter be resent cause I never recieved it the representative told me no they wont do it. I explained as a consumer there are fair creit laws that state I have a right to be notified. The representative stated they will not email it through their secure online banking website nor resend it. This is pure nonsense things get lost in the mail so it should be no big deal to reprint and mail my credit decision letter. 

This is horrible customer service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06
Company: EQUIFAX, INC.
State: NM
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:
I had an inaccurate tax lien placed on my credit report. I have a letter from the lien holder stating that it was completely wrong and should never have been placed on my report. I sent the letter to the 3 credit reporters. 2 of them have removed it. Equifax will not remove it. I have sent it to them 5 different times. It is also past the 7 years that it should have just fallen off and still it is there. Any way you can help me with this??

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
DISPUTE GUIDEPRINT XXXX XXXX XXXX Account Number XXXX Account Type Installment Loan Terms 072 Months Date Opened XX/XX/XXXX Account Status Open Payment Status Late Payment Status Details 30 days past due Status Updated XX/XX/XXXX Balance {$12000.00} Balance Updated - Credit Limit - Past Due Amount {$880.00} High Balance {$55000.00} Monthly Payment {$880.00} Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX, FL XXXX Ownership Individual account Original Creditor - Company Sold-to - Original Amount - Comments - Payment History This account was never delinquent as it was paid in full XX/XX/XXXX by the insurance company and GAP insurance due to a total loss.

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 2020-02-23
Company: U.S. BANCORP
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: Account information incorrect

Complaint:
I had an open credit card account at US Bank. 
It was charged off for non-payment. 
However, I made a repayment agreement with US Bank to pay off the debt in 12 monthly installments. I was told that this information would be reported to the Credit Bureaus ( XXXX, XXXX, and XXXX  ) regularly and accurately. I was also told that I could not be given written confirmation of this agreement. 
I have made the payments agreed upon. ( The agreements I made over the phone can be found here as I recorded my conversations while located in the state of New York : https : XXXX? XXXX ) However, US Bank is still reporting that I have not paid any of these accounts as agreed. 
I made an attempt to dispute this information with both the Credit Bureaus and US Bank on XX/XX/2020. I was told by US Bank that they have reported this information accurately and that I am not entitled to have my credit reports updated with the payment agreement information or showing that the payments have been received in full and on time.

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 2018-10-03
Company: Total Card, Inc.
State: OH
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:
Card was open without my permission. Wrote letter to credit bureau and credit company. Within 31 days have not heard back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03
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:
My identity was stolen and a lot of accounts were taken out in name including student loans. Please help me to rectify these fraudulent accounts : Dept. of Education/XXXX in XX/XX/XXXX for {$68000.00}. Ive constantly called them to setup payments to avoid it dragging my credit down any further. This is not my account!! Other accounts are as follows : XXXX XXXX XXXX XX/XX/XXXX Balance : {$1100.00}. 
XXXX XXXX/XXXX XXXX XX/XX/XXXX Balance : unknown XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX credit limit : {$2000.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
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: Personal information incorrect

Complaint:
As of XX/XX/2022, incorrect personal information is still being reported to my credit I have only ONE address that has been my address for over SEVENTEEN years. I have NO previous addresses. Credit bureaus EXPERIAN, XXXX AND XXXX COMPANYS keep reporting inaccurate personal information and addresses. Multiple attempts have been made with all bureaus to fix the issue.

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 2017-09-28
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
DISPUTE GUIDEPRINT XXXX XXXX  XXXX Account Number XXXX Account Type Installment Loan Terms 072 Months Date Opened XX/XX/XXXX Account Status Open Payment Status Late Payment Status Details 30 days past due Status Updated XX/XX/XXXX Balance {$12000.00} Balance Updated - Credit Limit - Past Due Amount {$880.00} High Balance {$55000.00} Monthly Payment {$880.00} Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX, FL XXXX Ownership Individual account Original Creditor - Company Sold-to - Original Amount - Comments - Payment History This account was never delinquent as it was paid in full XX/XX/XXXX by the insurance company and GAP insurance due to a total loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28
Company: First Data Corporation
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
In 2012 someone fraudulently used my business data to open a Card Processing Account with XXXX XXXX XXXX & First Data ( www.firstdata.com ). These 2 institutions did not verified my business address, phone and email and never contacted me on their underwriting process. Due to the problems they had with the fraudster they closed those 2 accounts and put my Business information on MATCH List and I am currently unable to open Merchant Account for my business and loosing business due to their fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XXXX XXXX, 2017, I filed an application over the phone with Wells Fargo home equity for a HELOC. I applied for a HELOC over the phone with XXXX XXXX. Unfortunately, there were errors in the application that I have now found out about today when speaking with an extremely unprofessional, unhelpful and incompetent loan specialist, XXXX XXXX ( License No.  XXXX ), out of the XXXX XXXX XXXX office. XXXX was not able to answer many of my questions and revealed that very much of the information provided in the application filed by XXXX was incorrect. XXXX made incorrect statements about the HELOC product structure and underwriting guidelines. I have no confidence in the entire application process. After filing on the phone, I should have immediately been provided a copy of the application for formal approval in writing or electronically PRIOR TO submission to underwriting. I believe there have been violations of federal disclosure laws. As it stands, I still have not signed in writing or electronically a formal application to Wells Fargo, yet they have made a hard pull of my credit report from reporting agencies. 

Unfortunately, as noted above, XXXX was not familiar with XXXX XXXX and XXXX XXXX guidelines regarding many of the questions in the application. The Wells Fargo application via phone process is fundamentally flawed. You have people not qualified filling out applications, which are then not forwarded to the applicant for review prior to submission to underwriting, which allows for many potential mistakes and outrageous underwriting errors. Then, you have " loan specialists '' communicate underwriting decisions, but these specialists also are not fully informed and giving out incorrect information. This whole process is a DISASTER! I funded my last mortgage with Wells Fargo, but will NEVER bank with Wells Fargo again. I am closing all my current accounts with the Bank.

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