BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-05
Company: National Credit Systems,Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
National credit system showed up on my credit report for {$6000.00} I was unfamiliar with the name so I got they contact off the internet and gave them a call and was told that it was a debit collector for XXXX XXXX XXXX ( old residence ) after I we was on the phone XX/XX/2021 I was told that I would receive something by email few days went by never received anything by email called the company multiple time and was told different things that another department was going to send it check my junk mail still nothing sent them proof that the back rent was paid they claimed they never received it few weeks later still nothing gave them a call again and asking for verification of the debit after requesting to speak to a manager the manager was rude which cause me to get rude still never received the documents sent a certified letter requesting them to respond with in 10 days with the documents I'm requesting ( XX/XX/2021 ) by mail since I was never receiving the emails they claim they have been sending gave them a call and was told that it could take up to 30days gave them a call and the same manager handle the call and broke down what was on the report and finally emailed me but refuse to give me anything supporting the claim that I had did damages to the property

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
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: Credit inquiries on your report that you don't recognize

Complaint:
I was involved in both the XXXX & XXXX XXXX breach of security on XXXX & XXXX. Due to the both breaches my info was compromised & series of inquiries were placed on my report. Unfortunately, the inquiry placed on me were one of the unauthorized inquiry placed on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10
Company: CORELOGIC 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: Credit inquiries on your report that you don't recognize

Complaint:
I was involved in both the XXXX & XXXX XXXX breach of security on XXXX & XXXX. Due to the both breaches my info was compromised & series of inquiries were placed on my report. Unfortunately, the inquiry placed on me were one of the unauthorized inquiry placed on my report.

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 2021-11-28
Company: AXOS FINANCIAL, INC.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage company Axos Bank ( XXXX XXXX XXXX XXXX  is not providing monthly statements, as of right now, their website only shows statements up to XXXX 2021, and today is XXXX, 2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I put in a claim regarding an OLD apt I was leasing where the company still has not give me my refund in monies as promised to me several times. At any rate, Capital One sided with them without proof on my end that the company did in fact, in writing, state that a deposit was due to me but as of date I still did not receive the funds. The agent at that time told me he would put in place that they would not go back in to retrieve the money back from me. Weeks later as stated Captial One took the money back from me in my claim. Recently, I paid my rent at my NEW apt to then be told my funds were returned due to me putting in a stop payment on the transaction. I stated to the company I would never stop my rent and they conference called with me and Captial One with Capital One stating nothing was wrong with my account and they merchant never did a transaction to retrieve the funds. The merchant suggested for them to do an investigation as they had a transaction ID to proof they tried to retrieve the funds. Captial One got back to me the next day admitting they incorrectly gave me the wrong information as they put a stop payment on the transaction as coincidentally the NEW apt community uses the same payment system as the OLD community. At that time a manager stated they fixed the situation and that the merchant could go back to retrieve the funds. A couple of days later the NEW community told me again that I placed a stop payment which I did not. We did another conference call and we were told yet again they had nothing in place to prevent the funds from withdrawing. After being transferred several times, we found out that the lift was never done and the merchant suggested that even though a fee will be assessed with it, for me to make a debit card payment which went thru. As a result of Capital One 's mistakes, I was assessed a late fee of XXXX and two {$50.00} Non sufficient funds from my NEW apt community as well as was placed on the eviction list there which needs to be paid by XX/XX/2019 which Captial One was told several times. I also assessed a {$26.00} fee to pay by debit card. Because of what has happened I asked for my account to be closed SIX times which they have not done so as of yet as well as letters of explanation to be sent to the NEW apt community and my lender as I am trying to buy a home which has not been given to me as of yet in addition to proof of what they used as a deciding factor with the OLD apt community on why they sided with them without my proof which has not been given to me yet as well.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-17
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: Information belongs to someone else

Complaint:
The purpose of this letter is to inform you that my identity has been compromised and that the following inquiries do not belong to me. I have filed the necessary paperwork and ask that you please remove the following accounts from my credit file. 

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 2019-05-17
Company: EQUIFAX, INC.
State: FL
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:
A couple years ago I was involved in a medical data breach and my personal information was exposed. I never checked my credit because I didn't have a reason until recently. My wife and I are planning to buy a house and I was informed I have accounts on my credit that I did not open. I contacted the companies directly but received no response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
A couple years ago I was involved in a medical data breach and my personal information was exposed. I never checked my credit because I didn't have a reason until recently. My wife and I are planning to buy a house and I was informed I have accounts on my credit that I did not open. I contacted the companies directly but received no response.

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 2020-12-18
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been putting extra money into escrow and principal during 2020. I wanted to insure that the mortgage note would not increase for lack of escrow. I did this the previous year and mortgage was reduced. This year it wasnt reduced but increased reason being that I was short in escrow in spite of the fact they sent me an escrow refund. It was I am not honoring this money because I made up policy for this note to increase. Nor did I get a statement that my escrow was short and I would have an opportunity to pay more money so there would not be an increase. It took them forever to send the refund check even though I called and messaged. I keep messages in TD account. The reason for the increase they said was because of there was not enough escrow. Than why are you sending me a refund. All generic answers that did not make sense. I requested all my loan history of payments. We sent them we sent them we sent them just like the check. We cant respond to messages any more call. I called no copy of what was sent we have to request it. How long do you think this will go on. This is delay and garbage. Now I dont trust them, I am almost positive they did something wrong which is why I wanted documents for a professional to review.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: Experian Information Solutions Inc.
State: LA
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:
I send a letter to a credit bureaus 3 or 4 times requesting they removed items from my report yet they havent respond to any of my letters

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 2022-02-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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:
The company did a hard inquiry check ok my credit without my acknowledgment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-28
Company: ERC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Company ERC XXXX XXXX XXXX has an account under collections that i did not know about until i checked my credit report. Im not sure how long it has been there. The account was dropped from my XXXX  recently but not dropped from my XXXX and XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28
Company: WAKEFIELD & ASSOCIATES, INC.
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Wakefield and Associates are reporting an account where they say i owe {$850.00} and I never made a payment. Original creditor isXXXX XXXX XXXX,XXXX Original Creditor XXXX XXXX XXXX XXXX Open Date XX/XX/2019 Balance {$850.00} Debt - Contact Information XXXX XXXX XXXX, XXXX , TN XXXX, ( XXXX ) XXXX-XXXX  and I made a payment in XXXX and have the receipt for it and yet they are refusing to update that and are reporting this account to be a credit card that account which in reality this is the medical bill debt and they are reporting that the account has been delinquent for over a hundred twenty days and it's ruining my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20
Company: EQUIFAX, INC.
State: MS
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:
Ive disputed a Bankruptcy with the 3 Credit Bureaus ( XXXX, Equifax, & XXXX  ) with a series of 4 letters starting XX/XX/XXXX to XX/XX/XXXX and attached to the letter dated XX/XX/XXXX was the XXXX report dated XX/XX/XXXX showing NO Bankruptcy. All 3 Credit Bureaus ( XXXX, Equifax, & XXXX  XXXX are still currently stating they verified and are reporting a Bankruptcy that is not being reported by the third party company XXXX XXXX XXXX they state they utilize even after Ive submitted physical proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This has been a result of identity theft.

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 2018-01-25
Company: CAVALRY INVESTMENTS, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have not received the proper validation regarding the debt, the collection company, has sent copy.s of collection items that does n't properly confirm the debt in question. I would like them to send me a signed document of debt to properly verify the debt. If not please delete this item from my credit file. They have paid for debt that does n't verify the debt properly. Have them send me a original copy of the debt with my signature to properly verify the debt if not please delete this item from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20
Company: Experian Information Solutions Inc.
State: MS
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:
Ive disputed a Bankruptcy with the 3 Credit Bureaus ( XXXX, XXXX, & Experian ) with a series of 4 letters starting XX/XX/XXXX to XX/XX/XXXX and attached to the letter dated XX/XX/XXXX was the XXXX report dated XX/XX/XXXX showing NO Bankruptcy. All 3 Credit Bureaus ( XXXX, XXXX, & Experian ) are still currently stating they verified and are reporting a Bankruptcy that is not being reported by the third party company XXXX XXXX XXXX they state they utilize even after Ive submitted physical proof.

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 2019-09-10
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter in the mail from NCC Business Services for a debt that is not mine for XXXX Apartments. I currently still reside in XXXX apartments and have never been made aware of any debts owed. Upon further research, I also found that NCC Business Services has no license to collect debts in Florida, and no business registration. XXXX apartments relinquished ownership of the debt when they " sold '' to to XXXXCC Business Services. According to Federal law, as soon as an account is sold and transferred, the original creditor can not collect on the debt as their rights to the debt has no validity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: First Credit Services Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Membership opened XX/XX/XXXX 13 Month contract ended XX/XX/XXXX never renewed contract or signed paperwork charged for XXXX XXXX {$19.00} I called the gym to ask how to cancel membership and given the direction of sending a letter of cancelation, was never told to send it certified sent letter regular mail stating canceling gym membership as of XX/XX/XXXX being charged XX/XX/XXXX plus annual member fee, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX for a grand total of {$290.00} did not receive any letters in mail or phone calls. only received collection mail in XX/XX/XXXX contacted gym said they couldn't assist me forward me to collection agency who repeated ask me for personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Dear agent I sent you a letter requesting you to remove inaccurate information from my credit report. But, I find after reviewing my report with your bureau, that the disputed item is still listed. I request that you describe the procedure adopted to verify this claim, along with the names of the businesses, addresses, and phone numbers of those who have been contacted during this process. This is my right under the Fair Credit Reporting Act. 

It is disappointing to find a credit bureau does not following the proper procedures and does not maintaining the accuracy norms. I request that you comply with the law and furnish me with the information I've asked for within a period of 15 business days. In addition, I would like to resubmit my request to have these items verified ( State the reasons for disputing this negative mark ) balance shown is 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 2019-05-16
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Information belongs to someone else

Complaint:
There was a recent dispute over fraud activity made on XX/XX/2019 about a hard pull. Capital One and I have had few conversations about it. Recently I went to consumer Financial Protection Bureau and capital one called me back on XX/XX/19 to remove the hard inquiry since it was fraud and not authorized by me. The problem was they said my date of birth did not match what I put on cfpb so I had to resubmit. I wanted to get this all straightened out with them as soon as possible with capital one and the credit companies so everything is accurate. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
Company: P.S.C., Inc
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2019 I discovered a wage garnishment, from P.S.C. Inc. located in XXXX Washington, on my pay stub, and asked the accountant at my work about it. They said yes there is a currant wage garnishment, for the amount of XXXX dollars, he asked if I was notified and I said no. I do know that I am supposed to get notice of this type of legal information before my employer so I can have time either to dispute or come to an agreement with said company. I have not received any phone calls or proper written information on this matter to get to the bottom of this.

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 2020-12-18
Company: AFNI INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX SSN - XXXX AFNI Collections XXXX XXXX XXXX XXXX, Il XXXX Account # XXXX I would like to file a complaint because AFNI collections added this account ( XXXX ) to my credit report without notifying me in writing or any other form of communication. They claim I owe {$980.00} which I have requested information on how I owe this amount and the dates to which they say I owe. I have not received any information about how I owe this amount and for which dates they say I owe. I did not apply for credit nor receive credit from this provider on the dates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: Chime Financial Inc
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
2 unauthorized transactions were taken off of my chime account chime was notified and a dispute was filed. Chime later stated the dispute claim was denied and no funds would be refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ME
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Credit card company forcing arbitration

Complaint:
capital one id number XXXX account lying, improper id patriot act violation unfair practices, discrimination racism this worker closed a credit account without permission due to asking to asking top speak top a higher rank worjker. only reason account was closed, i askeed for mediation whih the person ided says we dont allow mediation and we willclose your account, although i asked it not be done untoil i hads a chancew to mediate with someone whicfh was denied then account closed.

Company response to consumer: Closed with explanation