BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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 two accounts with Capitol one. They deleted my banking information today, even though my last two payments went through on XX/XX/XXXX. Customer service agent said they updated there information and now only have my old payment accounts available. I asked him when was the notifications sent out about the changes and he wouldn't respond. He put me on hold. When he came back he kept insisting I just simply input my bank routing number. That they didn't have it. I asked him if they didn't have it already then how was my payments getting through. I asked him why are old payment accounts still available if the banking information I had currently used for the last two years was deleted. He had no response. All he kept implying was I need to reenter my banking information. I said I don't like the fact they tampered with my payment account information with out my approval or consent and there isn't a way to take off my old payment accounts. I feel unsettled about the matter and asked if I was allowed to pay with money order and he told me no. I asked him a few times to clarify that I was infact not able to pay with money order. Each time he told me no. I asked him to give me the policy in which they changed and no longer take money orders. He couldn't. I told the Capitol one customer service agent that I am recording the call the same way he is recording the call. He then got shifty with his responses. He told me to access the information online. That they do infact take money orders. I had no notice of change nor was I consenting to this company messing with my bank card information. I want to know why there isn't a way to deleted old bank accounts linked for payments. And I want to know why I was decieved and lied to. I contacted this company around XXXX XXXX on XX/XX/XXXX. After I got off the phone with the agent I googled if the company in fact takes that form of payment and they do. This behavior has me concerned so I locked my cards and am reporting these practices. It seems deceptive to lie about policies, messing with customers payment banking information, and not being able to deleted old banking accounts linked for payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
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: Their investigation did not fix an error on your report

Complaint:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : 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 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 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 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 2022-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I received a second report from TransUnion. It is the same as the first one. Lacking current information. I never requested the report. The problem is the same. They are not providing up to date information and have made no effort to do so. 

Also, they closed the previous complaint and never solved the problem. 

I am filing another complaint. I am not going to let them get away this this lack of service.

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 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report 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 2017-09-26
Company: AMERICAN EXPRESS COMPANY
State: NJ
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 XXXX XXXX, 2016 I was defrauded by XXXX XXXX XXXX, XXXX XXXX XXXX in XXXX XXXX, SC. A salesman made fraudulent claims regarding the deed I was purchasing. While in the sales office in XXXX XXXX the salesman had me apply for an American Express Hilton Honors Card which I was approved for. I was then convinced to charge as much money as possible on the card. Months later I had realized I had been defrauded when the timeshare was essentially useless, and did not fulfill a single promise made by the salesman. I hired an attorney to cancel the timeshare which has been finalized, but American Express has repeatedly denied my fraud claim for the initially charged down payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17
Company: Resurgent Capital Services L.P.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Im extremely disappointed with XXXX XXXX XXXX, Resurgent Capital Service and the CFPB why Im going to explain I have a debt collector ( XXXX XXXX XXXX / Resurgent Capital Service ) attempting to collect on a debt that I have no knowledge of it. I send the three credit bureaus a full validation of debt, they failed to respond. Also XXXX XXXX XXXX / Resurgent Capital Service failed to send a full validation of debt and it pass more than 30 days and they still attempting to collect because they still have it on my report without a full validation of debt and thats a violation of the law. And the CFPB for not making XXXX XXXX XXXX / Resurgent Capital Service follow FCRA and the FDCPA laws. I requested a full validation of debt that consist of multiple things that I would like all of them listed below and failed to do so It were considered account invalid 1. Full accounting 2. A copy of assignment of purchase from the original creditor 3. Every charge and what was purchase ; every fee, payment and every credit. 
4. How do you calculate what you claim what I owed 5. Case Law XXXX vs XXXX XXXX XXXX XXXX 6. A full chain of assignment from charge-off to Present 7. Proof that you Owen the debt with full clear Title 8. Proof that you were on the original contract 9. Case Law XXXX vsXXXX XXXX XXXX 10. Copy of the original contract with bearing my signature 11. Agreement with the creditor that authorizes you to collect on this alleged debt ; 12. The agreement bearing my signature stating that I have agreed to assume the debt ; 13. Valid copies of the debt agreement stating the amount of the debt and interest charges ; 14. Proof that the Statute of Limitations has not expired ; 15. Complete payment history on this account along with an accounting of all additional charges being assessed ; 16. Show me that you are licensed to collect in my state ; and 17. Your license numbers, Registered Agent and Date 18. Copy of all letters sent to me from you and from the original creditor.

19. How much did you buy the debt for?

20. When was the last date a payment was made on this debt?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
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:
Capital One Attn : Dispute XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX Capital One Cases : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Overview : I paid XXXX XXXX XXXX XXXX XXXX  to design a company website for my company XXXX XXXX XXXX. Payments dates and amounts are below : XX/XX/2022 {$400.00} XX/XX/2022 {$3900.00} XX/XX/2022 {$90.00} I visited the company website ( XXXX XXXX XXXX ) on XX/XX/XXXX and learned I was over charged by the agent for the services requested. I sent an email ( attachment XXXX ) on XX/XX/XXXX requesting cancelation and a refund. After several call and emails with the agent I filed a complaint with Capital One on XX/XX/2022. The funds were refunded to my account and Capital One requested and received a written response. I found out after the funds were again taken out of my account on XX/XX/XXXX Capital one didnot receive my written dispute. I sent additional letters ( attachment XXXX and XXXX ) to Capital One and has gotten a response the cases are closed. 

I have called and emailed the agent and the company settle the issue without a favorable response. 

XXXX XXXX  Agent : XXXX XXXX Senior Brand Consultant ( XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13
Company: DISCOVER BANK
State: VA
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:
In reference to Discover Bank Account # XXXX On XX/XX/, I wrote Discover Bank a letter informing them of their inaccurate reporting of an account on my consumer reports. Discover Bank is in violation of multiple laws set forth by Congress. 
15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( Discover Bank ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( Discover Bank ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( XXXX, XXXX, XXXX ) if the person knows or has reasonable cause to believe that the information is inaccurate. 
The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! 
By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from Discover Bank for the cancelled debt of {$6000.00} in order to file as ordinary income. Where is my 1099-C Discover Bank is clearly writing off debt with the IRS without sending out 1099-C as required by the IRS for debts greater than {$600.00}. This is unsatisfactory! 
Discover Bank has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information, and as such I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
master card let my sister tranfer money off my card to her bank ( CHASE ) without me knowing for XXXX XXXX i told them but master card refuse to investegate ... my sister made her transition ( XXXX XXXX ) 5 months ago..and they still harass me ... can you help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12
Company: EQUIFAX, 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:
XXXX has continually reported account being unpaid or unsettled when in fact they have received payment. back in XX/XX/2021 i filed a complaint and the response was that it was deleted. it was not deleted or blocked and remains on my credit report. i have submitted numerous proofs showing i met the terms of my settlement and account was closed and paid yet it remains. XXXX complaint ID for reference. this item needs to be blocked and deleted from my report. i am ready to seek legal action for violation of FCRA and for punitive damages. if this matter is not resolved. this account was settled back inXX/XX/2021 this needs to be resolved ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: Experian Information Solutions Inc.
State: MD
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX XXXX Owed : {$10000.00}

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 2021-10-29
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The debt collector JEFFERSON CAPITAL SYSTEM has put a collection on my report from an identity theft that took place during XXXX. The report is filed with the police.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
XXXX I received XXXX calls today from XXXX at Portfolio Recovery Associates. XXXX stated that I had a payday loan in XXXX ( I filed bankruptcy in XXXX ) and that my wages would be garnished due to no payment. XXXX was VERY rude and threatening. Today was the very first time I had heard from them. Nothing has been sent in the mail. My attorney looked up the number and said that this was a spam call but I am XXXX XXXX XXXX and I do not need that kind of stress in my life. These people are unbelievable. 

XXXX XXXX The name was under XXXX XXXX. I was married in XXXX and changed the name to XXXX. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: Radius Global Solutions LLC
State: NC
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:
Radius Global is attempting to collect a debt that does not belong to me. In addition, the debt doesn't belong to Radius Global. They have repurchased a fraudulent debt after the debt was verified as not mine by all other Radius Global collection affiliates. They have continually called me, but have no verification of the debt other than a database that they claim makes me responsible for the debt. This is in relation to a rented vehicle, that was turned in during business hours, but there was no attendant on duty. I put my keys in the lock box at the airport and about 1 month later they claimed I had scratched the paint on the bumper. This was clearly done by one of the drivers as they moved the vehicle in the tight airport garage spaces down to the cleaning areas, but they claim I must have done it when I was driving it. They can't provide any proof that I did it, and I can't prove they did it, but they are still trying to pass along this against me and I don't think that's right.

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 2023-10-02
Company: MOHELA
State: MA
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:
I was anticipating Mohela beginning to auto-debit my bank account, on a monthly basis beginning in XXXX, because payments are resuming in XXXX. I *WANT* to resume making payments because I am working towards PSLF. Mohela put my student loans into " Administrative Forbearance '' for the purpose of " processing '' something ( they did not tell me what they are processing ). While my loans are in Administrative Forbearance I am not able to make payments that count towards my 120 qualifying payments. 

However, because of how my scholarship was structured, I must make a payment every month, even if it doesn't count towards my 120 qualifying payments. This is because my old law school pays me a lump sum every year to cover my loan payments. If I don't may 12 payments in a year, I will owe my law school money. 

So I'm stuck in the position of being required ( by my law school ) to make a payment every month, but being prevented from making my monthly payment because Mohela put my loans into forbearance with no notice and no explanation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Card was charged for something you did not purchase with the card

Complaint:
Forgive me its been going on a long time my credit card was taken during a car theft I was injured and was unaware of the use of my card once it was discovered and after I was able to get my self back to health Boa was notified and I was told not to worry Everything went fine nothing was ever said and for almost two years no word from boa then I get a letter out of the blue saying they. Were not going to sue me but would report this for the next 7 years. I contacted boa and was never given any reason for the time laps. I also asked for copies with my signature on the purchase I was told they didnt have it. 
Ive tried to resolve this. Last month I filled out a couple surveys and pointed out that boa is wrong And because of that they have reported over and over this to the credit agency and my credit dropped XXXX points with in a few days

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 2023-04-12
Company: EQUIFAX, INC.
State: NJ
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:
When I reviewed my credit report, I discovered that these accounts were erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation