BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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:
On XX/XX/2020, I went in to XXXX for a consultation. When I was there, XXXX had written up a Financial Agreement for XXXX to be performed. I was told to call XXXX XXXX, to see if I could increase my credit limit, so I could do this XXXX. 

However : a ) I was declined for a limit increase for XXXX XXXX ; b ) we had the coronavirus pandemic shortly afterwards, and the XXXX location was closed and may still be closed. I'm not sure. 

I didn't want to go thru with this procedure, not only due to the pandemic, which is the greater reason, but also because I didn't want to proceed with this procedure if I had to go thru a million hoops with financing this elective XXXX. 

On XX/XX/2020, I submitted a {$500.00} deposit. I was supposed to have a XXXX consultation on XX/XX/2020, which never happened, due to the pandemic. 

On XX/XX/2020, I both emailed AND mailed a letter to the Patient Care Consultant at XXXX who I had seen just a couple of days prior. I told her that I decided against the XXXX, and I asked for a refund on my credit card. 

I emailed the XXXX XXXX Consultant back and asked her to refund me my {$500.00}, or I was prepared to get a hold of Capital One. 

On XX/XX/2020, I get an email from the Patient Care Consultant, saying " Hi XXXX we been trying to get in touch with you to explain the process of the refund. 

I was working very long hours that day, so I just emailed her back to just email me information about the refund process, or leave me a voice mail regarding getting a refund. 

I have saved a voice mail on my phone from the XXXX XXXX XXXX basically saying that they can't give me a refund. Therefore, I contacted Capital One. 

Capital One assured me that this issue would be resolved, and that my account would be credited. However, on XX/XX/2020, they reversed the credit that they had originally given me and decided to reinstate that charge. 

This whole journey has left a VERY sour taste in my mouth regarding not only XXXX, but Capital One. 

Please note that as of a couple of weeks ago, I removed my name as an authorized user on this Capital One account, as my husband 's and my divorce has now been finalized. I still have the credit card number of MY previous Capital One card ; however, a credit would now need to be applied to my ex-husband 's account, because it is that account in which they reinstated that charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-02
Company: CREDIT ACCEPTANCE CORPORATION
State: IN
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Credit Acceptance went to court in XX/XX/XXXX and won a default judgement against me for a loan that should have been covered by my insurance and GAP insurance. The vehicle was totaled in XX/XX/XXXX. When I had originally signed for the loan, I know I signed for GAP insurance and the vehicle was also sold to me with a recall on it. I had to wait over 2 weeks while the faulty timing chain was replaced. Credit Acceptance is still reporting to the credit agencies it is over 90 days late. They have no email for correspondence. They do not answer the phone when I try to call.

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 2017-08-10
Company: EQUIFAX, INC.
State: NH
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:
On XXXX XXXX, 2017 I wrote Equifax that XXXX XXXX XXXX was charging me for fraudulent charges on my card XXXX and that I refused to pay them. I sent Equifax 60 pages of evidence supporting my claim. Equifax had, nevertheless, damaged my credit rating for refusing to pay fraudulent charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
A remark was made from Bank of America on my credit report, which significantly lowered my credit score. When contacted Bank of America, rep was not able to find or locate such remark. As a result, Bank of America was not able offer a solution to resolve the problem, while the remake remains in my credit report. This is detrimental towards my financial well-being as my credit score has dropped significantly.

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 2017-08-10
Company: EQUIFAX, INC.
State: NH
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:
On XXXX XXXX, 2017 I notified XXXX that XXXX XXXX XXXX was charging me fraudulent charges on my card # XXXX and that I refused to pay them. I sent XXXX 60 pages of evidence to support my claim. XXXXXXXX had, nevertheless, damaged my credit rating because I refuse to pay fraudulent charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: ID Analytics, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Fraudulent accounts have been added to my credit report causing me grade harm, and compromising my ability to obtain credit, my identity was used to establish these accounts, I Have learn that this report had to be completed as one of the steps to report this incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: CBC Companies, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Fraudulent accounts have been added to my credit report causing me grade harm, and compromising my ability to obtain credit, my identity was used to establish these accounts, I Have learn that this report had to be completed as one of the steps to report this incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: EQUIFAX, 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 have sent multiple letters regarding fraudulent information in my credit report. It has been more than 30 days, but I did not receive any response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
I had a Mortgage with XXXX XXXX in XX/XX/XXXX while on XXXX XXXX in the XXXX this was XX/XX/XXXX, in XX/XX/XXXX the Mortgage crisis hits and XXXX XXXX XXXX assumes my XXXX XXXX XXXX # XXXX. In XX/XX/XXXXthe XXXX sends me Orders to report for duty in XXXX, VA. I was able to make payments on this house until my retirement in XX/XX/XXXX, I used my savings till it dried up in XX/XX/XXXX. That was the last time a payment was ever made on this loan, for a house that I haven't lived in since XX/XX/XXXX! In XX/XX/XXXX they transfer my Loan back to XXXX XXXX! In XX/XX/XXXX XXXX XXXX Transfers my loan to XXXX who reports my loan in a Negative Status until it is finally Foreclosed upon in XX/XX/XXXX, and then doesn't get reported to the Courts until XX/XX/XXXX. I have been denied credit for a Foreclosure since XX/XX/XXXX, and the fact that I refinanced my XXXX Home in XX/XX/XXXX, paid it off completely when I sold the home in XX/XX/XXXX. Financed a brand new XXXX XXXX in XX/XX/XXXX, it too is completely paid off, but I am still being denied credit in XX/XX/XXXXbecause of this Fraud to my account! I do not feel like this is fair to a XXXX XXXX that served his country for 22 years 7 months an 10 days to continue to deal with this Fraud and Abuse to a XXXX Veteran of this country! You can't report both loans! Thgis is Fraud!!!!!

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 2020-12-02
Company: AES/PHEAA
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My student loans are currently covered under the CARES Act forbearance. In XX/XX/XXXX, I submitted a request to change my billing due date for my student loans to manage my payments once they resume in XXXX. For some reason, PHEAA has treated this change in due date request as a recertification. I received a confirmation from PHEAA that I recertified my income-driven repayment plan. The only problem is that I never requested to recertify, nor did I submit any proof of income. Moreover, PHEAA said my next payment under a new IDR plan was due in XXXX -- while the payment suspension is still in effect! 

I am not due to recertify until XXXX. I want to ensure that my payment suspension remains in effect, that I have no payment due until XX/XX/XXXX, and that all these months continue to qualify for PSLF.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28
Company: Experian Information Solutions Inc.
State: WI
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 understand things sit on your report after a file A XXXX I have complained about couple years still sitting on my report its unfair for my score to be low after this fact. I barely use my credit. I even sent in personal information to prove this problem. Its not fair if u fix a problem things still sit on your report still

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 2023-02-24
Company: Kikoff Inc.
State: AL
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 XXXX  Account # 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 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10
Company: EQUIFAX, INC.
State: OR
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 have two collection accounts that were for medical bills and on both occasions the account was opened and then negatively reported within two months time. I paid in full the collection accounts and these should be removed from my credit reports according to the Medical Debt Relief Act of 2016.
Medical Debt Act of 2016 This bill amends the Fair Credit Reporting Act to prohibit a consumer reporting agency from making any consumer report containing information related to : ( 1 ) a medical debt ( arising from the receipt of medical services, products, or devises ) if the date on which the debt was placed for collection, charged to profit or loss, or any similar action antedates the report by less than 180 days, or ( 2 ) a fully paid or settled medical debt that had been characterized as delinquent, charged off, or in collection which, from the date of payment or settlement, antedates the report by more than 45 days. The bill also amends the Fair Debt Collection Practices Act to require a debt collector, before informing a consumer reporting agency regarding a medical debt, to notify the consumer in writing that : ( 1 ) the debt collector could report the debt to a consumer reporting agency 180 days after the notification is sent, specifying the precise end date of the period ; ( 2 ) the debt will not be reported if it is settled or paid during the 180-day period ; and ( 3 ) the consumer may, during the 180-day period, either communicate with an insurance company to determine coverage for the debt or apply for financial assistance. The debt collector may not communicate with or report any information to a consumer reporting agency concerning such a debt during the 180-day period.
I have disputed these collection accounts to be removed but two of the credit reporting bureaus sent me their responses saying the accounts remained the same. They did not provide me with any information about what the investigation process was and why they remained unchanged. ( One of the credit bureaus did remove the collection accounts right away though ). The accounts in question are for medical bills from The XXXX XXXX, XXXX which were turned over to collections for payment. The accounts were opened and reported within 2 months time and this was even though I settled with the collector to make payments and I paid the debts off. I want these removed from my credit reports please. The two remaining credit bureaus are Equifax and XXXX. XXXX took care of the inaccuracies. Please enforce this with the other two because they are not responding to my disputes in an ethical manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-03-11
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: Information belongs to someone else

Complaint:
From XXXX to XXXX their were several fraudulent accounts opened using my personal information with out my consent. I am in desperate need of these accounts being removed.

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 2019-02-26
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My mom died in XXXX and because of the dying process her credit card payment was a day late to the credit card company XXXX. I called and they agreed to waive the {$35.00} late fee. They then sent a bill with more late fees for not paying the late fee they agreed to waive, I called again and they said it wasn't processed because their person forgot to ask me for a death certificate. I mailed the death certificate. They then sent another bill with more late fees and when I called, said they received but couldn't find the death certificate. The death certificates cost more than the late fees and they are continuing to harass us for continually compounding fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-11
Company: Designed Receivable Solutions, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I recently noticed an item from DSRI on my Credit Report and they did not send me any notice of any kind regarding this debt, they simply just put it on my Credit Report. Recently I was also applying for credit and was denied because of the mark that DSRI has left on my Credit Report. They claim to have put in a request for removal already, but my actual damages have also occurred. Once again I am requesting that DSRI please contact my attorney about this matter to resolve. Stop with the semantics.

PLEASE CONSIDER THIS MY DEMAND FOR PAYMENT FOR STATUTORY DAMAGES IN THE AMOUNT OF {$2000.00} ( FCRA AND FDCPA ) ACTUAL  DAMAGES AND ATTORNEY FEES TBD. 


I AM A XXXX CITIZEN AND WANT DSRI TO STOP THE FINANCIAL RETALIATION!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
Company: WELLS FARGO & COMPANY
State: CO
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 close my credit card with Wells Fargo on XX/XX/XXXX with a customer care agent on the phone at that time I was told I had a XXXX balance but a credit pending of {$30.00} she said she would send me a check after the The credit posted to my account which is now closed so they sent me a check. Approximately three weeks later they sent me a letter asking me to cash the check as I have not cashed it yet then approximately XX/XX/XXXX, I received a bill from Wells Fargo for a approx. {$81.00}. I called right away to find out what the charges were for I was told that the merchant issued a credit to my account for the {$30.00} so XXXX was attempting to re-collect the {$30.00} check they sent to me and doing so they try to re-collect it from a closed savings account I once had since the account was closed there was a {$25.00} bounce check fee that Wells Fargo assessed to me. Since a couple of months have passed I was also then hit with a late fee I didnt even know these charges were out there I called to dispute this in the meantime my credit was dinged now Im being told that I still owe Wells Fargo a total of {$71.00}. I do not understand what the {$71.00} is for I paied {$25.00} in XXXX On that bill I did not think I would owe to prevent any further late fees while this is getting resolved its not getting resolved they can not tell me why I owe {$71.00} which is 25+ an  outstanding XXXX, I have two primary questions one if there was a credit from the merchant issued to my account was it prior to closing up my account in which case Wells Fargo failed is noticed that while I was on the phone with them that credit had been posted from the merchant if the credit was given to me after my card closed where is it I have not received {$30.00} from the merchant. I also have a charge for {$30.00} on my statement for XX/XX/XXXX and the same amount for {$30.00} for XX/XX/XXXX? Id like an explanation, I feel Wells Fargo is negligent and not noticing that they not only sent me a check but then another letter asking me to cash a check and then to go back to a closed savings account to try to recover that payment without notifying me and then hitting me with bounced check fees late fees and dinging my credit is just outlandish

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-11
Company: HCFS Healthcare Financial Services of TeamHealth
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I XXXX XXXX has got into contact with XXXX ( XXXX XXXX XXXX ) about two inquiries on my credit report. I have never heard of them. The accounts have opened in XX/XX/XXXX for XXXX and the other account opened in XX/XX/XXXX. I paid the XXXX in XXXX of XXXX. When i asked if they were for the same reason and why im charged with two separate bills instead of one their answer was these are two separate bills from XXXX XXXX private doctors. I never had a private Doctor. I called XXXX XXXX XXXX XXXX a nice lady on the phone said my accounts were paid in full and i had no other bills on record. So where is this coming from. XXXX never sent out letters to pay a bill i never received information on who the private doctors are and why im getting billed for something i dont know anything about. I dont know the Doctors names dates i recived the bills or what they were for. XXXX was also know for XXXX XXXX XXXX. I dont know who this bill collector is. They are from Florida. I live in Alabama. XXXX XXXX XXXX XXXX XXXX, Fl XXXX. I paid XXXX to them. I just hope that i didnt get screwed.

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 2019-03-11
Company: WELLS FARGO & COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
A wells fargo credit card is affected my credit. I HAVE NEVER HAD A CREDIT CARD IN MY LIFE. That card belongs to my mother. I want this off my report now. This is wrong and inhumane. I feel I'm treated this way because of my race. This is wrong

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