BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-23
Company: Experian Information Solutions Inc.
State: UT
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 feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report are in error, do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2018-10-13
Company: EQUIFAX, INC.
State: MO
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'm requesting that the following accounts be removed / blocked from my credit report, due to the fact that I DO NOT HAVE A CONTRACT with any of the following companies and according to the FCRA law these accounts shall be removed ... XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20
Company: SCA Collections, Inc.
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: Their investigation did not fix an error on your report

Complaint:
I contacted XXXX a couple of months ago concerning SCA Collections reporting to them a medical bill that does not belong to me. Both XXXX and SCA have blatantly ignored my requests and continue to report false information in my credit report. It is ridiculous how companies are allowed to get away with reporting whatever they want and the consumer having to jump through hoops to straight out THEIR mess. If this does not resolve the issue, I may be forced to take legal action. This is the second complaint I have filed with the CFPB. The medical bill DOES NOT belong to me! Secondly, this company IS NOT LICENSED to collect in the state of Florida so even if the debt were mine, which it absolutely is not, SCA is illegally attempting to collect. Why do n't they have to furnish a license? Why are they able to get away with illegal practices? I request ANY AND ALL documentation supporting their claim that this bill was acquired by me. I need a signed contract between myself and SCA Collections to prove validity of this debt. I will not back down. This is MY credit and MY life! I will not let this go!

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 2021-04-16
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: Information belongs to someone else

Complaint:
Equifax and XXXX  should not be reporting the XXXX XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account did not appear on my previous credit report however, it is appearing now. This account does NOT belong to me and is reporting in error. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of an account that has a collection/chargeoff that does not belong to me is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Voluntary repossession

Complaint:
I purchased vhicle and paid a big down payment which i didnt see anything dropping down on the car payment they said the biggfer the down payment better for lower ineterest and everything once that was done payment stayed at XXXX. 
I called numerous times trying to lower the payment and seeing how to change due date they said if i cant refinance to surrender and i said how would this affect me they said no worries it would only affect your credit. I said ok and they took the vhicle with no documentation provded for me to read no explanation and days later i get a call from an agent on XX/XX/2023 saying she is going to report me to IRS and IRS will make sure to charge me i feel threatened by her attittude and she was being over agressive with me. I explained i know my rights and explained tried telling her i didnt understand why tell after they took my vhicle they were explaining so agressively things i was never told and she didnt give me options she was just trying to take my money for over XXXX. 
Which i dont have. She said i will report you to IRS i dont feel a bank rep should be allowed to speak to any one the way she did not knowing if i have heart problems or high blood pressure i felt sick and unable to defend myself at the same time i explained i was fired from my job in XX/XX/2023 they said were sorry we cant help in any matter and i was even trying to continue making high payments

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 2017-12-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
Capital One 's system locked me out of my account despite the fact it was at all times current. In fact I 've made a full payoff at the end of every month without exception. I 've spent the last four days trying to make a payment but the account is locked and nobody at customer service can do anything to fix it. In frustration, I called Capital One 2-4 times per day for four days to get the account unlocked - nothing. After my last call I decided I could only pay by check and then cancel my capital one credit card. 

If I ca n't make a timely payment then I will suffer damage to my credit score. I owe money but capital one is preventing me from making a payment, as absurd as that sounds. The customer service consists of numb people reading from their script unable to actually fix anything. Its a terrible terrible company. 

One person suggested that Capital One does not want the balance paid in full so they can earn additional interest and late fees. Like XXXX XXXX, Capital One appears to be manipulating its payment process to force higher fees and interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07
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 fraud alerts or security freezes

Complaint:
I placed a credit freeze on my account with TransUnion. Yesterday I tried to go on their website to remove this credit freeze because I need to change my cell phone company and I cant do it because of this issue. In the process of me creating an account they couldnt verify my identity. I proceeded to call the customer service number and the individual I spoke to still for some reason couldnt verify my identity and gave me another phone number to call. I called the number that was given to me and asked to speak to a manager. I was transferred to someone by the name of XXXX XXXX who claimed to be a manager. She refused to assist me because I could not recall the PIN number I had used over a year ago when I first placed this credit freeze on my account with TransUnion. It is ludicrous that they are refusing to remove this credit freeze from my account because I can not recall a PIN number that was used once over a year ago. I can not conduct business because of this companies refusal to help me remove this credit freeze. Its unprofessional and its affecting my life in a negative matter.

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 2019-06-07
Company: Navient Solutions, LLC.
State: CT
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
My loan goes back to SM in XXXX taken out I believe for XXXX College ( this college is closed now ). I have been making payments since this date. I went on the site and the college they are listing is not my college on the load??? XXXX XXXX College in XXXX. I spoke with an XXXX XXXX who is now researching this. I informed him I am not paying on this loan until I get clarification. He told me I don't qualify for stopping payments and/or forbearance??? I don't trust them now but if I don't pay I'm afraid my credit will be affected!! If the college closes I thought the loan could be dismissed but he also told me it depends on the circumstances. Please help me if you can. I know there have been several issues with Navient ( mine is a private loan ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07
Company: AMERICAN EXPRESS COMPANY
State: OR
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 have American express card and was having financial difficulty in XXXX due to the government shut down and my account was put on hardship then in XXXX the account billing cycle came out and I contacted them on XX/XX/XXXX about the account wanting a XXXX payment I had just lost my job and couldn't make that payment spoke to representative by the name of XXXX on chat and he told me to call in. I called and spoke to representative, they advise me account would go back on hardship for 2 billing cycles and not to worry about payment. I went back today XXXX to make payment on another card the account was past due and not taken care of. I contacted customer service they demanded payment I ttied to explain the I called and this was taken care they cant find record of call they say only chat telling me to call, which I did. they wont put the account on hardship and now its almost 30 days past due they are refusing to help in anyway im being punished because someone didn't do there job correctly. I was lied to and tried unfairly like I was just some deadbeat that couldn't pay my bills yes Im in hardship but that's why I contacted them a month ago to take care of it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-04
Company: Experian Information Solutions 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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX Balance : {$6500.00} XXXX XXXXXXXX Balance : {$2000.00} XXXX  XX/XX/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 2023-01-20
Company: EQUIFAX, INC.
State: NV
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:
Inaccurate Reporting XXXX XXXX XXXX Reported date different mutitple inquirys wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I am an XXXX-American senior citizen who does not use the Internet. In fact, I have asked my son to help me file this complaint in this public forum. CapitalOne has been snail-mailing my statements late or not at all, then charging me $ XXXX/monthly late fees, for years, even though they acknowledge my payments arrive on or before the due dates. They say they're processing them after the due date, thus requiring them to charge me these exorbitant fees. Since the inception of the card, I've been charged {$2000.00} in these fees ; ironically, my current balance is {$1900.00}. My son discovered this XXXX, duplicitous practice that exploits those like me who mail in check payments. To add insult to injury, they also refuse to lower my interest rate, which hovers above 20 %, even though I have a credit score in the high 700s. Do not do business with CapitalOne.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have already make a plan to pay the debit of XXXX which included the {$120.00} that I have been charging.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
in XXXX of 2019 LVNV placed a collection account on my credit report without contacting me first to allow me the chance to dispute and request validation and substantiation. In XXXX of 2019 i requested Validation and substantiation from LVNV via certified mailed letter and they only responded telling me that i had the right to request substantiation but never provided me with the actual documentation that would prove they had the legal right to try and collect on this alleged debt. I sent my request certified mail and my dispute was not properly handled by the company. LVNV has also continued to report this debt as valid although they have failed to provide substantiation on several occasions via online disputes with the Credit Bureau, Specifically XXXX. Due to LVNV failing to provide the substantiation information i requested in XXXX this account needs to be deleted but the company refuses to delete it although they didn't provide appropriate documentation to me in time. This company also placed the collections on my credit without giving me time to dispute the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: Freedom Mortgage Company
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I sewed my insurance company because they didnt give me enough money for my house an now the mortgage company is holding the checks an the said they will release them as I finish the house. Well I need the money to start repairs how can I get them to release the money to me now

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 2017-12-20
Company: DISCOVER BANK
State: MO
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:
I received a collection letter from a law firm representing Discover Bank. They claim I owe {$XXXX}. They demanded that I pay on the debt. The letter was addressed to me by a former name that changed XXXX  years ago, not my current name. I was XXXX in XXXX of 2000. I have a credit card with Discover, but in my current name. I believe my identity was stolen and used to make charges on this account that I know nothing of. Discover had no correspondence with me prior to this letter. The letter did n't even let me know an account number. The law firm is now taking me to court to make me pay these fraudulent charges.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-08
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:
The bureaus have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). I have advised them that under Section 611 ( 5 ) ( A ) of the FCRA They are required to promptly DELETE all information which can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: Experian Information Solutions Inc.
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:
My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Experian. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/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 2021-03-07
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have recently refinanced my mortgage held with NewRez LLC with another financial institution, XXXX. Due to issues with closing in a timely manner, title company fault, I made an additional payment to the original mortgage holder to make sure I was not delinquent, avoid late fees and negative credit reporting. The payment was made to NewRez LLC following payoff provided to transfer balance to new mortgage holder, XXXX. 
Sufficient time passed following refinance, 4 weeks, before I contacted NewRez LLC to inquire on refund of the additional payment minus any interest that may be owed due to timing & my escrow refund. In my conversation with a representative of NewRez, I was advised I would only be receiving the escrow refund. According to their records, my payment was not reflected having been received for XXXX, certainly not following the payoff quote provided to the new mortgage holder. I made my last payment to NewRez through electronic billpay, deducted from my account XXXX ( Friday XXXX for {$1700.00}, payment to be received by payee XX/XX/11.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
According to the Bank of America FICO score report, one of the key factors affecting my score is " Number of accounts with delinquency. '' On the same report, BOA states that they base this information on XXXX data, against which I have also filed a complaint. As per a BOA relationship manager ( after talking on the phone with their credit card department ), BOA can not do anything and they directed me back to XXXX. I 've spoken twice to XXXX customer service reps and they state that there are no delinquencies on my report and that I should go to BOA to resolve the situation. I have the credit reports from the three credit reporting agencies ; there are no delinquencies on any of them. Effectively, I 'm being bounced around the two companies with no solution being offered by either.

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 2022-01-06
Company: JPMORGAN CHASE & CO.
State: CA
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:
Hello, I purchased 2 XXXX train tickets with my Chase Sapphire Reserve card to visit XXXX with my family in XX/XX/2021. However, the city of XXXX went into lockdown due to COVID when I was suppose to visit so I could not get on the train. The charges were {$32.00} and {$100.00}. I purchased insurance for these tickets. Since the city of XXXX was in lockdown when I was supposed to go, I could not legally get on the trains. I need a refund based on the insurance policies I purchased. 

I tried disputing the charge with the merchant but never heard back. I also tried disputing the charges with Chase which they originally accepted and issued a credit. Then they claimed they gave me an online message on XX/XX/XXXX saying the credits were reversed. I never received this online message ( I checked multiple times ), but I did receive physical letters saying the charges were added back. I called Chase immediately on XX/XX/XXXX but they said I only had until XX/XX/XXXX to dispute the reversal of the credit. This means I had 1-2 business days to continue the dispute instead of the 60 days according to the Fair Credit Billing Act. I believe Chase is acting illegally and not abiding by US consumer law. 

I would like a full refund because I purchased insurance for these tickets and I also am entitled to protections as an American credit card owner. 

Thank you. 

XXXX

Company response to consumer: Closed with monetary relief