BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I was very upset. I attempted to use my Capital One Credit card and noted it was on restriction status. I called on XX/XX/XXXX at approx. XXXX ET. I spoke with XXXX, the supervisor, and asked her why was my card on restriction. She explained that I used one of my XXXX XXXX accounts listed with my credit card was used to pay XXXX and it triggered the system because I have not used the XXXX XXXX account since XX/XX/XXXX. I explained to her I did not know I was not able to use any of the bank accounts associated with my credit card account to pay a bill anytime I wanted to. The supervisor explained that she would have to verify my bank account. I explained to her it was unacceptable. My XXXX  did not open until Monday and I needed to use that day. The supervisor noted that none of my bank accounts were verified since XXXX. I asked her was that legal? I could have been paying money towards my account from anywhere. The supervisor noted they trusted me. I explained to her I felt offended because of my race because now your company has been accepting an significant amount of money without verifying my bank accounts listed and now its restricted based on you not trusting me anymore? As much money I poured into this company I can even get a credit increase. As a result, I can not use my credit card. I work on a XXXX  XXXX  very sick XXXX  and I have to take time out of my day to call Capital One back so I can remind them to call my bank to verify my bank account after being with them over several years. Talk about more stress as a front liner. Please help. Something is definitely wrong here.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-18
Company: Experian Information Solutions Inc.
State: ND
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:
Experian is reporting incorrectly that I am ( 180 ) days late on the XXXX partial account numbers XXXX ; XXXX ; XXXX ; and XXXX. ( Please see pages attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2021-08-10
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Company has violated several of my rights under FDCPA. I have tried on multiple occasions to remedy these issues with the company but they refuse to cease from reporting false information to my consumer credit file. I have included not only a dispute to cease all communication with me to this company but i have also included a invoice and stated the laws that this company has violated my rights as a consumer for far too long. My ideal solution would be for this company to pay the invoice in full for inconvenience and humiliation they have caused me and to remove all information they have reported on my credit file and from the 3 main bureaus database as well as soon as possible.

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 2019-02-27
Company: Imagine Home Lending, LLC
State: WI
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX XXXX of Imagone Home Lenindg has many many non compliant issues on social media. It is a bait and switch with no equal housing or company nmls on her main sponsored picture on profile. It states XXXX  down and XXXX credit. No program is given at all and is very predatory. It seems as if they need a compliance department because they advertise qualifications of programs but never give the program with a bait and switch. Aren't they suppose to have equal housing logo and their company nmls on their profile vicer photo.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Im writing in regards to an account on my report called XXXX XXXX XXXX. I filed a dispute with TransUnion and they told me this item came back verified. This is IMPOSSIBLE.  This negative item as already removed by XXXX  because it was not verifiable. There isnt even an account number for this on my credit report. I filed a complaint with the cfpb against XXXX XXXX XXXX and they told me themselves they could not find my information in their system. I am disappointed because I waited almost 30 days and TransUnion did not do their part in their investigation, they lied! I demand this item to be removed from my report. I am no longer waiting 30-60 days for you to fix this because after this I will be suing you for providing this false information I tried to give you a chance to rectify. Ill even attach the letter that XXXX XXXX XXXX sent to me as proof they could not verify me. Take this item off my credit report now. I can not even reference this account, because there is no account number on my report. This account is with XXXX XXXX XXXX XXXX XXXX. Remove this 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 non-monetary relief
Consumer complaint received 2021-02-23
Company: Upgrade, Inc.
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Payment of {$380.00} is due 9th of every month. My account was current, never been past due. Submitted payment IAO {$400.00} on XXXX to satisfy XXXX payment. I then made the following payments ; XXXX - {$100.00}, XX/XX/XXXX - {$110.00}, XX/XX/XXXX - {$100.00}, XXXX {$77.00}. Total payments submitted was {$390.00} which would satisfy XXXX payment. In each instance I did NOT select the option to apply funds as an additional payment. Now my account is 14 days Past Due IAO {$96.00}. I called the company on XX/XX/XXXX questioning why why account was past due when I paid more than the MPA. Agent said they would submit request to have issue resolved. I checked my account on XX/XX/XXXX, still showed as past due. Called the company again on XX/XX/XXXX, agent stated I needed to allow more time for payment to be reapplied. Checked my account again on XX/XX/XXXX, still showed as past due. Sent an email requesting a status update of my request and an explanation of why my payments werent applied as requested. As of today, I still havent received an email response or call. Called the company on XX/XX/XXXX to get a status update, there was none. Asked the agent to explain why my account is past due. He stated any payment made prior to the due date will be applied towards that months payment regardless of what option is selected online. This information is not listed on the website or the borrower agreement. The borrower agreement does not include language of how payments are applied in relation to due dates. The document states funds are applied to fees, interest, then prin. Prepayments/additional payments are allowed but will not change monthly billing amount. I did not select the prepayment/additional payment option. I was forced into that without my knowledge. The company refuses to explain why they give the option to select how a payment is applied but not honor it. I also asked for details of how my payments are applied, they havent provided that information either.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: CCS Financial Services, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX has turn me over to Credit Collection Services after I paid them on XXXX I understand that things happen and things get missed but this a big mistake. It has been 8 months now and and they reporting this to XXXX  and XXXX  in XX/XX/2021 How? Why? it's even clear my bank on XX/XX/2021 so this bein reported 7 months later is not right or legal. I hope you can help me with and get this remove from my reports. 
I have attached a copy of my bank statement for XX/XX/2021 so you can see that it was takin out on XXXX of XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: DISCOVER BANK
State: FL
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:
During Covid i have been out of work from XX/XX/2020 still until now husband caught XXXX from work and every family member got sick we all are not working. 
I check my credit report and i have XXXX late payments on my credit file. all during covid ihave had my credit go from XXXX to a XXXX. I wrote all the companies telling them im not working due to underlying medical conditions and XXXX XXXX XXXX XXXX XXXX with XXXX, its a high risk position so i have been out. XXXX XXXX -- reported me 13 times late XXXX XXXX -- reported 7 times late, XXXX XXXX XXXX -- - reported me 21 times late, XXXX  XXXX credit limit XXXX XXXX -- reported 16 times late, XXXX XXXX XXXX -- reported 10 times late, XXXX XXXX XXXX reported 4 times late, XXXX   XXXX  XXXX -- -reported 10 times late, XXXX XXXX  XXXX XXXX- -reported 8 times late, XXXX XXXX XXXX -- -reported 15 times late and possible could be the same accounts reported duplicates. I have 101 late payments and this is preventing me for getting any help. SBA just  denied me by this information from XXXX, XXXX  and XXXX. All these compnies need to remove every late fee from XX/XX/2020 until Now. The president signed into effect the cares act and i can not get any assistamce due to my credit report entries of 101 late payments by companies listed above.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: AMERISAVE MORTGAGE CORPORATION
State: ID
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Refinanced mortgage with Amerisave Mortgage Company. Loan application with Amerisave was to pay off both loans at XXXX. The larger loan ( XXXX ) was paid off but for some reason the smaller loan ( XXXX ) didn't get paid off. I have contacted Amerisave and got the run around and that I need to call the Title company XXXX XXXX XXXX XXXX XXXX. Called XXXX XXXX phone lines constantly busy. Emailed and spoke with XXXX XXXX at Amerisave several times and was told the issue has been escalated up their chain, so far no resolve. I have been dealing with this for over a month. I am currently paying on the new mortgage and still having to pay on one of the old mortgage loans. Why is it taking the companies this long to find where the money went? What happened to the loan money and why can't they find it now. Why can't they reissue the check to payoff my mortgage loan.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have received information from XXXX XXXX in regards to Acct # XXXX, and I have continuously requested for the information to be removed by XXXX, Equifax and XXXX and to no avail over 6 times. I have attached the response from XXXX XXXX in reference to the account and no account being found. Im requesting that the account and any other deragatory filing in regards to Lendmark Financial be removed immediately. 
XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-10
Company: Square Inc
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Ok on XX/XX/XXXX my phone was stolen out of my car and when I realized it was gone I had access to my old phone so something told me to immediately check my cash app so I go on my old phone check my cash app and this person who stole my phone was in it Im watching them change my information Im changing it back we going back and forth so I tried immediately contacting cash app they was not available at the time so I called my phone provider which is XXXX so by the time I get in the phone with somebody finally as soon as shes cutting my stolen phone off poof I checked my cash app account and all my money was at XXXX they attached a unknown XXXX XXXX XXXX   account to my cash app and this bank account dont even have my name on it I dont even bank with XXXX XXXX XXXX disappeared out of my account so Im telling the the whole time cash app that my phone was stolen and they hacked my cash app and took all my money out my account I tried to tell them while it was processing the time it was prosessing everything as a customer to save my money I did they did absolutely nothing at all Im talking about nothing now today its like they erased my whole cash app I cant log into it it says its unavailable I have emails everything to prove this whole thing is wrong they didnt do nothing with the proper information I provided them I called the bank because they said they was going to ask the bank to reverse so I took it upon myself to contact the bank myself cash app provided me wit a transaction summary of the transaction with the bank details I call the bank they tell me its been reversed already I contact cash app again and they just completely sent me thru XXXX and at the end did nothing about my money and left if like that to the point they took my account down now me and my family suffering from the lost of these funds

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: WELLS FARGO & COMPANY
State: WA
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:
On XX/XX/2020, WF CRD SVC add a hard inquiriy on my credit report per XXXX  and XXXX. 
On XX/XX/2020, WF CRD SVC add a hard inquiriy on my credit report per XXXX. 
On XX/XX/2020, XXXX XXXX XXXX add a hard inquiry on my credit report per 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 2019-08-17
Company: Bread Financial Holdings, 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: Their investigation did not fix an error on your report

Complaint:
My father-in-law paid cash for heating aids from XXXX XXXX XXXX, in XXXX, TX.but somehow a credit was opened at Comenity Capital bank. We just happened to check my father-in-laws credit for him as he is XXXX years old and completely XXXX  we have Power of Attorney. We contacted Comenity Capital Bank and discussed the situation that they had mistakenly opened an acct. under my father-in-laws name and they turned him in to the credit reporting agencies in 2004. We called Comenity Capital Bank I dont know how many times we tried to clear up his credit due to an incorrect report. They had 90 days to correct a charge of {$4100.00} by end of XXXXAnd has significantly lowered his credit score. We just called Comenity Capital Bank to make sure they repaired his credit and when we called in XXXX they said it was not their issue to fix..!!! It is though. We cant get them to fix his credit that THEY ruined! Please help!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-01
Company: Navient Solutions, LLC.
State: AZ
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:
Navient continues to somehow reappear on my credit report showing that I owe them money after these accounts have been closed. These private student loans were opened 12 to 20 years ago, yet somehow Navient manages to continue to hit my credit report. Just today when I checked my credit, they say I owe them over {$200000.00} in private student loans that are 12 to 20 years old. This dropped my score by over 40 points. I continue to dispute this with the credit bureaus and it gets removed, then months to even a year later, Navient reappears again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
In XX/XX/XXXX I applied for PSLF. I was placed in this program and my loans were all moved from XXXX to FedLoans. I made 40 payments from XX/XX/XXXX through that time. However, those payments have not been applied towards my number of qualifying payments. I have called customer service for the PSLF program and every time Ive been told that my loans are in a queue to be analyzed and decided on which payments qualify. When I first called in XX/XX/XXXX they said that sometimes it can be up to a year and to try again 3 months later. I tried in XX/XX/XXXX be they told me the same thing. In XX/XX/XXXX I submitted an employment verification form and was granted 8 months of qualifying payments ( it should have been approved, but 2 of  them were with XXXX so they must go through this review process ). After these payments were granted I called in XX/XX/XXXX to enquirer why some counted and some didnt and when my review would take place. I was again told it sometimes took a year and I pointed out that it now has been a year for my account. They couldnt explain it further. 

I called again in XX/XX/XXXX giving them almost an entire year to process my account, but still nothing has been done to verify these payments. The past time I called I went over the details with a customer service representative who even said it looks like these count, but we just need to verify them through the program. 

It has now been 2+ years, and my payments still arent verified. Please force this company to have some accountability towards this program and count my payments. Every time someone calls the most they ever do is ask for my account to be reviewed, but so far this has never accomplished anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: EQUIFAX, INC.
State: TX
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:
Due to Equifax breach, I froze my credit and my wife 's. I had to pay {$10.00} each to TransUnion and {$10.00} each to XXXX for a total of {$41.00}. Why should I have to pay to protect myself for the failures of Equifax? They, along with the other agencies, collect and sell my personal and financial information without my consent. Freezing your credit should be free for everyone. Make it a federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
What is this complaint about? 
My XXXX credit card ( XXXX XXXX ) closed my account due to a high balance on my credit card and that I was over the credit limit by {$79.00}. XXXX credit card fear due to COVID-19 that I would not be able to pay back the balance on my account and that I was a high risk As of XX/XX/XXXX, I have a balance of {$2400.00} and I have been with XXXX XXXX since XXXX I have never missed a payment never late 30,60, or 90 days. I made all my payments on time ( I enclosed a copy of my payment history from my credit report ) What type of problem are you having? 
The problem I'm having is due to the fact of XXXX XXXX  closing my account my credit score went down 22 points causing me not to be able to apply for other credit due to a low score rating. 
I am attending college and I need to apply for a student loan this grievance of lowering my score by 22 points affected my ability to further my education and or apply for further student loans due to my credit score being too low. 

What happened? 
The actions that were taken by XXXX XXXX : XXXX XXXX closed my account on XX/XX/XXXX after checking my credit score. 
According to XXXX XXXX they claimed my score was XXXX on XX/XX/XXXX which they said was too low and that I was a high-risk customer. 
XXXX  XXXX fear is due to COVID-19 that I would not be able to pay back the balance on my account and that I was a high risk clientele, which is clearly discrimination of my ability to be a valued client. 
XXXX XXXX pulled my credit score from Trans Union Credit Bureau on XX/XX/XXXX which Trans Union gave an inaccurate score of XXXX. 

What company is this complaint about? 
XXXX XXXX ( XXXX XXXX XXXX XXXX  ) Who are the people involved? 

Myself XXXX XXXX Trans Union

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