BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
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 am having trouble getting my fraudulent credit refunds issued to me from Capital One. I filed a fraudulent dispute with Capital One letting them know that someone had stolen my identity and was using my Capital one credit cards fraudulent or without my authorization. However Capital One closed both of the fraudulent credit cards and reported to credit bureaus that I was 60-90 days late, which is also inaccurate. I had given Capital One authorization to ACH Debit from my Centry next Checking account, which Capital One suspended and then reported to credit bureaus that I was late. I will be including that letter withdrawing my accounts from ACH debit from Capital One. I had been working with Capital One fraudulent team on issuing my credits back to me. Capital one supervisor/ fraudulent team, gave me a date that they would be issuing my credit balance back to me, I called and verified on XX/XX/2021, with Capital one supervisor that they would be issuing my checks on XX/XX/2021, I was given a date from their supervisor on XX/XX/2021 that I would receive my money back for the fraudulent transactions. I contacted Capital One on XX/XX/2021 to follow up to make sure Capital one was issuing my refunds that was fraudulent taken from my checking account, I spoke to a fraudulent team supervisor, named XXXX XXXX ; he advised me that they were reversing the fraudulent charges/ credits on the 2 accounts to make me pay for them. This is totally unfair to me as a customer/ human. I dont owe them ; Capital One is not being fair, and feel its okay to do me this way. Someone or company stole my personal information and made purchases on my credit cards, and its not fair for me to pay them. Capital one advertises zero fraud liability on fraudulent charges. I have a police report to corroborate the fraudulent transactions. I am not responsible for the fraudulent transactions and is requesting that Capital One send me my money back that they fraudulent took from my personal checking account. Capital One also closed both of my accounts and still charging me interest on accounts that they personally closed. Capital one needs to be under investigating for unfair practices to their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX a Fraudulent Unauthorized Transactions came from a CLKBANK {$19.00} I reported to XXXX my card was stopped and a new card sent out ( card was stopped due to fraudulent unauthorized transactions ) I was told the card needs to be stopped! After that call to BBVA I called the company and told them this charged was not authorized by me that said my card will be issued a refund for the amount of {$1900.00} and that was done, BBVA has still choose tot make me pay for {$180.00} in overdraft fees and late fees on the overdraft fees for the fraud that happen on the account on XX/XX/XXXX When did the law change for the customer that has had Fraudulent charges done without consent or authorized has to pay for fee etc. that the bank policy is that when fraud happens the card must be stopped and all fees will be removed well all of those things has happen but BBVA has REFUSED to move the Fraudulent Fees on my account due to Fraud and I demand they removed these fees. This is the 2nd time this company has charged our card and that was just cleared up by them so both cards has had to be closed because of this {$19.00} charge from the same company.. REFUND OF NSF/OD FEES OPS COMPLIANCE SUPPORT FOR REG-E DISPUTE # Fees & Charges XXXX Banking Fee XX/XX/XXXX {$120.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-08
Company: Navient Solutions, LLC.
State: OR
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:
My first problem is in regards to 2 of my 4 loans, which were originally with XXXX XXXX. They were in forbearance when Navient took over servicing in XX/XX/XXXX. Two of my loans were listed as having been 60-89 days late, but the other two not. This makes no sense, as I do n't pay these loans individually ; they are all serviced under one umbrella. I 've been told by many different representatives that this was a clerical error, a problem during the transition, etc. I 've submitted documentation supporting my claim ( letters regarding approval of forbearance, the length of it, etc ), but they have not corrected the inaccuracy. The second problem applies to all of my loans. I was on maternity leave in XX/XX/XXXX, and had my loans in forbearance while I was not working. During this time period, I received several calls from agents stating that my loans were past due and I needed to make a payment immediately. I made payments on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and each time I was assured by the representative I spoke with that nothing negative had been reported to the credit bureaus. Nevertheless, my credit report shows all four loans as having been 90-119 days late. I 've submitted documentation supporting my claim, but Navient has not corrected the inaccuracies. I 've been consistently making payments for over 10 years now, with the occasional forbearance when in between jobs/illness/family issues. I 've provided documentation that Navient has made mistakes, and yet they refuse to correct them. I 've tried communicating directly with them, and also submitting disputes with the credit bureaus, but ca n't seem to get anywhere. As a result of their errors, I have had to pay higher interest rates on loans, and in some cases was denied outright. I 'm really hopeful that perhaps the CFBP will be able to get farther on this issue. Thank you for your time and help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: Kriya Capital, LLC
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: Information belongs to someone else

Complaint:
After looking over my credit reports, I've noticed there were fraudulent accounts that do not belong to me and never authorized any contracts and business with this company. The following account is listed below : CREDENCE RESOURCE MANAGEMENT ACCOUNT # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-18
Company: Paypal Holdings, Inc
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My husband had his social security card stolen and we never knew about a PayPal account made in his name. We never got any letters or anything and we get numerous call everyday and night from different numbers about he owes XXXX to PayPal. Like I said we have never gotten one letter about this and me and my husband get calls and I don't know why they call me. I have told them over and over we have an investigation going on to see what it is they won't give me an account number or anything. I have asked them numerous times to stop calling every 5 minutes while we are at work and at night but they won't stop. The numbers show up as unknown and restricted. And never leave messages. Last night the lady got really mouthy with me And said further actions would result.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: BlueChip Financial
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Contacted on XX/XX/XXXX by a XXXX XXXX, stating I owed {$250.00} to XXXX. I let him know that the debt was not valid and a final payment of {$230.00} had been made in XX/XX/XXXX. I also told him I would not be making a payment to him today and would contact the original creditor to so they could remove the account from collections. XXXX XXXX called me back immediately, leaving a voicemail that stated I needed to provide him proof by the end of business day or they would proceed with a lawsuit against me. XXXX XXXX did not provide any fax number or email address to which I could send proof of the paid debt. I attempted to call XXXX XXXX back six times, every time he hung up the phone without answering the call. On the seventh try I got through to his associate, the associate transferred me to XXXX XXXX. At that time I requested he provide me with a fax number or an email address so I could provide him a copy of the cashed check. XXXX XXXX refused to provide me with either, and told me he was sending a sheriff to my house. I gave him my email address and asked him to please email me so I could provide him with a copy of the cashed check that showed the debt was paid in XX/XX/XXXX. So far, XXXX XXXX has not provided me with any means of communicating proof of the paid debt with him and is no longer answering any phone calls. The times I did speak with XXXX XXXX on the phone he raised his voice, was profane, would constantly speak over me and would not allow me to get a word in edgewise to provide proof that the debt was paid. 

Prior to the call on XX/XX/XXXX, XXXX XXXX left a voicemail on the cell phone my husband uses for his military service, stating that I owed a debt and I needed to call him to pay it immediately. 

The final loan payment was made on XX/XX/XXXX via online bill pay through my credit union. The check was sent to the company on XX/XX/XXXX. Attached you will find a copy of the endorsed and cashed check.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
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: Account information incorrect

Complaint:
The settlement payment of {$210.00} was paid but XXXX  XXXX is still reporting that is a balance. The payment was made on XXXX XXXX then XXXX XXXX reports on the XXXX  i made a payment and still had a balance when they agreed with a settlement payment of {$210.00}

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 2017-08-08
Company: Experian Information Solutions Inc.
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:
As of XX/XX/XXXX Experian reporting agency reduce my score XXXX points and the only thing that has change on my credit history recently is that I paid off a credit card. When I asked them my why reduced my score they told me they can not give credit advise. They were also still reporting a collection from my past that should had been removed. I have sent them a copy from the circuit court in XXXX XXXX County, IL stating that the collection has been dismissed as of XX/XX/XXXX but XXXX is the only reporting agency that refuses to remove it from my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18
Company: Meade & Associates, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I just began the credit repair process and when pulling my reports Meade & Associates has been reporting to my credit since XX/XX/XXXX. Around XX/XX/XXXX I was contacted by someone from their office asking if the named doctor was ever my physician after identifying what office they were calling from and what it was for I advised I owe nothing to that doctor 's office. If I did, I was not properly notified. My cellphone number has been the same for years I never received a call. As of XX/XX/XXXX I've sent a pay for delete advising I am not claiming this debt as mine but for the sake of my credit I want to pay it off and get rid of the history of this account in its entirety. No response was given. On XX/XX/XXXX I mailed a certified letter requesting validation of this debt. The letter was signed for by initials XXXX on XX/XX/XXXX. I've learned a debt can not continue to be reported or updated to my credit report until it is verified. I did not receive an answer. On XX/XX/XXXX Meade & Associates updated the debt on my credit report again. They refuse to allow me to settle this debt along with refusal to verify this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29
Company: Specialized Loan Servicing Holdings LLC
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
this is my second issue with XXXX, the first one has not been resolved either. XXXX claims they did a review of my escrow account in XXXX and sent me a check for {$2100.00} which I never got and can not get them to respond over the phone. the company is clueless and clearly does not hire or train anybody that can handle this. So for the record this company has stolen from me over {$3500.00} in 4 months and they do not respond. At this point that amount is criminal in many States and would be if I owed it to them? Why is this company allowed to offer consumer products?

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 2017-08-08
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:
Date:XX/XX/17 Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX I am writing to dispute the following information in my file. XXXX XXXX XXXX account # XXXX and XXXX XXXX, XXXX The items ( XXXX XXXX, XXXX and XXXX XXXX XXXX ) address listed on my credit profile for XXXX XXXX, XXXX is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX the address for XXXX XXXX XXXX is D/B/A XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX.The information listed on my credit reports from these companies are inaccurate because I dont own these accounts. I am requesting that the items be deleted. Please reinvestigate this these matters and delete the disputed items as soon as possible. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: Sequium Asset Solutions, LLC
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company has repeated called me over and over from different numbers. I spoke to a representative on XX/XX/XXXX and informed her please do not contact unless it is by mail. The company called again repeatedly on XX/XX/XXXX and I told them I would be contacting the government in reference to their constant badgering and also not proving the debt. The name of the company is Sequium Asset Solutions

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: Bread Financial Holdings, Inc.
State: MS
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XXXX 's Place switched banks that handle the store credit card from XXXX to Comenity Capital Bank. XXXX offered an autodebit option where as Comenity does not.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: CL Holdings LLC
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: Old information reappears or never goes away

Complaint:
I pulled my credit report and at that time i noticed that this company is reporting debt that I do not believe to be mine or that is too old to be reported. I contacted the company and the credit reporting agency yo have the information validated. I have received no communications from creditor regarding account. They are reporting negative information on my credit report which does not belong.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28
Company: Perfection Collection
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not know who charge this alarm in my name? I have lived in my house 28 years, I have never lived at this home where the alarm was installed or signed my name on any document allowing these charges to be in my name, I did not know anything about this charges until it appeared on my credit report. The collection agency has no sense of urgency to correct the problem, other than file charges on the person whom used my name, Police department has no direction, how can they just add a collection to my credit for 7 years when it is not mine?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
On my report are old address that are not mines and I ask several times to remove those that are not associated with me and the refuse to do so. Then show the amounts saying owed and it's not suppose to so amount for anyone to see and know inaccurate information. XXXX, XXXX, as well as experion they are not even real credit bureaus with a .com at the end of their names in my opinion. They should be stop from doing this and putting wrong SS # on my account and linking them to me when ask to remove they say oh its your SS #.

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 2019-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
There are five closed accounts from XXXX on my credit reports still that were closed in XXXX and XXXX. They are hurting my score and I have asked several times over the phone and in writing for them to be removed. The accounts have been resolved or paid for in other ways and there is no bearing for them to continue to remain on the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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's information reporting on my file inwhich is a direct result of identity theft and these accounts went on to become closed but this is not sufficient I'm demanding that they be removed and blocked from my credit file. 

1 ) XXXX XXXX 2 ) XXXX XXXX XXXX 3 ) XXXX XXXX  4 ) 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 2017-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX is stating that I was late a couple of times. My loans were in forbearance with the company. I will like for them to update the necessary information to never late.

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