BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-06
Company: Experian Information Solutions Inc.
State: IN
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:
hello, i noticed there were wrong addresses that are not mine on my credit report which could affect my future.

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 2020-05-06
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Public record information inaccurate

Complaint:
I have contacted the county and companies regarding multiple inquires and 2 bankruptcy 's that's on my credit report and nobody seems to be interested in assisting me with this fraud issue. I have not gave anyone permission to pull my credit in three years and I want this inaccurate information removed immediately. Nor have I filed bankruptcy before please remove this information as it has caused me severe DEPRESSING AND STRESSFUL AND I NEED THIS SITUATION FIXED ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
My whole XXXX was stolen from me while I was in prison in XXXX but the bank keep saying I dont have any evidence??? How ever I will be getting the assistance I need to retrieve my money

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I submitted a complaint to Experian and received a form letter. It is evident Experian didn't read or was to lazy to respond maturely. The complaint was specific but Experian replied back - Unfortunately, at this time, we are unable to process your disputes, as they are not specific. 
Perhaps they just have people that don't know how to respond other than pushing a button to send form reply outlined by others. So as a test, I will submit the complaint again. My complaint and request was - Credit Reporting Agencies have stated that a verbal permission to access a credit report is allowed for a company. May I have the section in the FCRA that allows verbal permission for a company, not a person, to access consumers private credit report? 
Is the CFPB a waste of money?

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 2018-02-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
Capital one has added numerous late payments to my account. I have called and requested to be put on a payment plan. I was advised by rep XXXX that I was then put on a plan in which they have no notation of. Poor record keeping. I also disputed the lates because my wallet was stolen in which Capital One was given the police report number. i was still never sent any new cards and late payments were are inaccurate were added to my account. I was lied to by Account Supervisor XXXX and also rep XXXX XXXX on XX/XX/XXXX at XXXX XXXX and again at XXXX XXXX. They advised that there was nothing they were able to do and they are not authorized to remove the late payments even though they acted without care. 

The late payments are as follows XX/XX/XXXX : XX/XX/XXXX & XX/XX/XXXX :  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I signed up for a feature to utilize if I become unemployed that my bill is still paid. After being out of work and on FMLA in XX/XX/XXXX and XX/XX/XXXX i received none of the features I signed up for. The representatives within Capital One are acting with negligent. I was also advised by a rep to violate my HIPPA rights and send in my FMLA doctors statement. Which I feel is a complete violation of privacy and against HIPPA laws. 

Also one of my cards has expired and I was never sent a new one for that card either.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Received a letter from Mercantiile Adjustment Bureau, placed into collections from XXXX XXXX XXXX. 

Retained attorney and in the process of filing BK. Cease and desist

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
The following account and credit inquiries listed on my Experian credit report are fraudulent, unauthorized, not mine and dont belong to me : Delinquent XXXX/XXXX XXXX : XXXX, {$360.00}, XXXX XXXX XXXX, XX/XX/XXXX and XXXX XXXX/XXXX XXXX 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 non-monetary relief
Consumer complaint received 2020-02-07
Company: SUNTRUST BANKS, INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
2x30 day Late payments are incorrect

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 2020-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
Transunion is reporting inaccurate information. Transunion, reinserted deleted, obsolete creditors by the name of XXXX. I was not informed about the reinsertion. In XXXX or XXXX of XXXX, I discovered ( XXXX XXXX, 10 accounts ) had been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately. Also, you are reporting a fraudulent inquiry from XXXX XXXX dated XX/XX/XXXX. I have never applied for anything with this org. I attached the letter that indicated that XXXX requested for you to delete the fraudulent hard inquiry but yet it remains on my credit report. 
Attached is support that the 10 accounts from XXXX XXXX were deleted XX/XX/XXXX by Transunion. I have attached the Transunion credit report showing Ascendium reporting. Then I am submitted support to show that Transunion deleted the 10 Ascendium accounts on XX/XX/XXXX and without my knowledge, 5- or 6-XXXX later Transunion XXXX. I have attached a screenshot that states from XXXX XXXX that they are XXXX XXXX XXXX XXXX. If you refer to the highlighted document which XXXX acknowledges that they are XXXX XXXX XXXX XXXX, you will see they mentioned XXXX. The account actually stems from XXXX if you refer to the older credit reports. Ascendium dates are different from XXXX XXXX XXXX though they are the same company. This company started off being XXXX XXXX, then Navient, then XXXX XXXX XXXX lastly Ascendium. Every time they reported under a different name and they rea-ged the accounts which is against the law. According to the FCRA, the time clock on the date the account FIRST went delinquent can not change no matter how many times a charged-off debt is purchased, transferred or sold to collection agency. Basically, the purge from date NEVER changes. The charged-off account can bounce from collection agency to collection agency but according to the FCRA, the debt can only be reported for 7 years from the date of first delinquency ( DOFD ). 
If you Transunion refuses to delete the old reinserted creditors Ascendium, I am within my legal rights to file a lawsuit against you Transunion and XXXX for re-inserting the obsolete item under the Fair Reporting Credit Act ( FRCA

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 2020-12-14
Company: Meridian Financial Services, Inc.
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Meridian Financial Services mailed me a notice stating that I owed owed the amount of {$940.00} to XXXX XXXX XXXX XXXX. The notice was dated XX/XX/2020 and stated that I had 30 days to respond and dispute the validity of the debt, or a judgement would be entered against me and daily charges would occur. I mailed a response on XX/XX/XXXX stating that I disputed the validity of the debt. I then received another notice from Meridian Financial which was dated XX/XX/XXXX within the 30 day timeframe allowed for my response, stating that they intended to proceed with actions against me. The amount due had been increased to {$950.00} without ever waiting for a response. The debt was then subsequently reported to the credit bureaus and having an otherwise perfect payment history, dropped my credit score from XXXX to XXXX with no further response to my dispute.

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 2022-02-01
Company: SELECT PORTFOLIO SERVICING, INC.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I currently have a foreclosure schedule for XX/XX/2022. I have been trying to get in touch with the " Substitute Trustee XXXX XXXX XXXX XXXX XXXX, who I am assuming is the same as " XXXX XXXX XXXX XXXX, as they have same contact phone number and business address. On XXXX, XXXX 2022, I spoke to " XXXX no last name, no job title, who confirmed the sale and I advised XXXX at that point that her company ( Trustee ) had not certified the foreclosure and they needed to cancel the sale. I have left XXXX message and spoke to XXXX on XXXX occassion 's and the last she actually hung up on me without answering my question. It is Virginia State Law that I must be notified by Certified or Registered mail. The Trustee could not give me the document number and my local post office stated that they did not have any certified mail come into my address in XXXX nor XXXX. There are things also about this foreclosure that makes me feel like it's not a legal foreclosure. I did some comparisions with the other foreclosures and these documents are including grantors who are no longer involved with this mortgage. For, instance a company by the name of Mortgage It. They sold the mortgage to XXXX XXXX XXXX and what is even more strange is WHY isn't XXXX XXXX listed on these documents. I want XXXX XXXX XXXX and SPS have to answer at least on question, What happened to all of the money that was sent to them to pay my mortgage payments. It went into a SUSPENSE ACCOUNT and then disappeared. I am at this point done done done done. I am prepared to move forward in a HUGE HUGE lawsuit. Based on, Banking Fraud, Lending Fraud, Mortgage Fraud, Wire Fraud. It ; XXXX prepared and ready to submit. They can give me a clear dead and title to my home, and XXXX XXXX Dollars, and I will hand over everything I have and not sell it to the news media. I can only imagine what will have to their STOCKS when the public see what they did. So, my complaint is : Virginia State Law says, I have to be given notice by way of Certified or Registered mail and that did not happen.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
On XX/XX/2020, I received a letter from Capital One dated XX/XX/2020, stating my credit limit on my card was reduced from {$10000.00} to {$5000.00} " to better fit my usage. '' I called this bank at approximately XXXX XXXX central time and spoke to XXXX, the supervisor. When I requested him to pull credit to re-establish credit worthiness because I wanted my credit limit put back to {$10000.00} due upcoming expenses i was planning on using the card for, he denied my request and stated I would need to wait 6 months to be eligible to pull credit and apply for credit limit increase. His employee ID is # XXXX and the case # is XXXX. 

I called back at XXXXXXXX XXXX  on XX/XX/2020 and spoke to XXXX, who is another supervisor. She stated the same details as XXXX. Her employee ID is # XXXX and the case # is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09
Company: U.S. BANCORP
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/XXXX, I received a call to give me notice that I was to call XXXX XXXX at XXXX reference XXXX. 
When I called I was told there was to be a legal action filed against me concerning US Bank Account from XXXX, I stated that i received no notice concerning this and the item was never on my credit report and I demanded something in writing itemizing their claim so I may dispute the claim. I was told that I could respond to the summons and complaint unless I paid them {$1200.00} immediately, And if it went to court I could owe over {$4000.00}.

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 2018-02-14
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To whom it may concern : I received a response in regards to a close complaint to which it has no resolved or satisfied me in any way since Commonwealth was at fault and not licensed. 

To who it may concern in regards to accounts : I have opened a file to issue a complaint with the Florida office of Financial Regulations on XX/XX/XXXX at XXXX XXXX and sent in proof in regards to same day verification of license for Commonwealth Financial Systems and it was indeed inactive. I was told by them to send a complaint over to CFPB to which was done on XX/XX/XXXX at XXXX XXXX and Commonwealth was not active until XX/XX/XXXX. This false information was posted to all three of my Credit Reports since XX/XX/XXXX and from the date it was placed on collection from Commonwealth back on XX/XX/XXXX to XX/XX/XXXX Commonwealth was not ACTIVE with a valid license and per law it states for a collection agency to place a collection or retrieve payment they need to be license in the stated of Florida that has failed. The satisfaction of having the accounts temporarily deleted from my credit reports does not give me a satisfaction if COMMONWEALTH was not licensed in the state of Florida till XX/XX/XXXX. I will submit a complaint to the Federal trade commission as well as XXXX XXXX XXXX. I hope this address Commonwealth wrong doing in taking advantage of people with no license in the state of Florida. I have been submitting a paper trail file to all three complaints submitted with all dates and times of submission and responses. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
During cov19 I wrote despute letters to all 3 Credit bureaus For inaccurate accounts on my credit profile And they came back XXXX verified They did not show proof of how it was verified so I feel it doesnt meet the FCRA STANDARD I HAVE 5 accounts That are being reported inaccurate they will not remove them here are the names below XXXX XXXX   XXXX acc # XXXX Experian claims verified accurate but will not show proof as well as XXXX XXXX  acc # XXXX XXXX XXXX XXXX acc # XXXX As all verified businesses are closed during COV19 Theres no way they were verified and they wont show proof These accounts should be removed ASAP

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 2019-04-09
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Called I.C. System to pinpoint what exactly was owed to XXXX XXXX because the account was paid off. XXXX XXXX received all their equipment and the account was cancelled on XX/XX/2018. I asked what the debt was for, I.C. Systems couldnt tell me what the debt was for. I also let them know we received no bills, so why would it go straight to a collection agency. Again no substantial answer. I thought perhaps there was fraud going on, so I called XX/XX/XXXX and the collections department assured me that we owed nothing and the account was closed. The young man said to go straight to the FTC and report it, it sounds bogus since I.C. System couldnt give any answers.

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 2019-04-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
UNKNOWN INQUIRE ON MY CREDIT BUREAU OF XXXX  AND XXXX   DATE OF XX/XX/2018 NAME OF COMPANY CAP1/XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-01
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I am filing this complaint because XXXX and Experian has ignored my request to provide me with the documents that their company has on file that was used to verify or validate the accounts i disputed. Being that they have gone past the 30 day mark and can not verify/validate these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to " ... Promptly delete all information which can not be verified '' that i have disputed. Please resolve the manner as soon as possible. Thank You.

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 2018-09-04
Company: Nelnet, Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Dept of Education XX/XX/2013 Balance is {$0.00} Highest balance is {$4100.00} Shows 120-149 days late on the report, but this account is paid in full and closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX a correspondence was sent via mail as well as an additional follow up on XX/XX/XXXX that was also sent via mail to Common Wealth Financial Services after receiving an alert on my credit report in regards to an alleged account ( # XXXX ) a medical account that was originally established between XXXX HOSPITAL on/or about XX/XX/XXXX. By it being a medical account I requested verifiable proof of them having original contract between myself and their company with my wet-ink autograph ; the contract with myself and XXXX  HOSPITAL signing giving permission to disclose such private info. Their response clearly violated my rights according to the HIPPA act of 1996.  XXXX  HOSPITAL did NOT provide me a HIPPA release before releasing my medical information to Commonwealth Financial. Therefore by providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action against Commonwealth Financial as prescribed by the Fair Credit Reporting Act should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09
Company: Credit Plus Inc
State: NJ
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:
UNKNOWN INQUIRE REPORTING ALL ALL MY CREDIT BUREAU SUCH XXXX, AND XXXX DATE XX/XX/2017 NAME OF COMPANY, CREDIT PLUS

Company response to consumer: Closed with explanation