BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-26
Company: EQUIFAX, INC.
State: NM
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07
Company: Telerecovery Corporation
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Telerecovery is reporting a medical collection on my XXXX  report and it was paid in full via cashiers check as requested. When I initially spoke to them, they offered to delete the entry from my credit report upon payment in full. Once I made the payment they proceeded to tell me that they can not delete the collection account because I have another account in their company from 2004. I have never received any type of written communication about this debt. Even though Telerecovery agreed to delete the collection account, they have decided to not honor the agreement due to an old account, which clearly the statute of limitations has been exhausted.

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 2023-04-25
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:
I am interested in processing disputes to help clear my credit report with Equifax. alot of information is invalid an needs to be reviewed an deleted. please help check over my file an remove the mislead information that is hindering my file asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I did a balance transfer with Capitol One. Capitol one completed the transfer on line electronically. The electronic check was made payable to, XXXX XXXX in the amount of XXXX dollars. The electronic check was cashed by, XXXX XXXX. My bill was never paid. Capitol One has the electronic check and sent me a copy. it is clearly payable to XXXX XXXX and endorsed by XXXX XXXX. To add insult to injury Capital One mailed me a letter on XX/XX/2018 stating, after researching your account we found the error may have occurred by your bank. Please contact bank. THEY ARE THE BANK. 
I have been trying to resolve this since XXXX. Capitol One is aware there was an error and my bill never paid. XXXX XXXX sent Capitol One a full refund of XXXX dollars on XX/XX/2018. Check number XXXX. 
Capitol One has not premitted me to speak with any one over the account supervisors. They will not provide me with any physical address so I may write a complaint. I have made about 40 telephone calls in effort to rectify this error. Capitol One refuses to set up XXXXthier a bill dispute, or fraud charge and is requiring me to pay the XXXX I DO NOT OWE ... until the investigation is complete. This investigation has been going on since XXXX. There is no one else I can speak with or write too. I do not know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: Navient Solutions, LLC.
State: OR
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I took out a loan in 2009 through Navient in order to attend XXXX University for my XXXX degree. They made it seem like the general principle interest wouldn't be that much and they recommended to me and my parents that I could defer the payment after I graduated. I deferred my payments and attended Arizona XXXX for 2 years to attain a XXXX XXXX and by that time while I was in " default '' of the loan my interest accrued exponentially. There was no mention of the accruing interest of what they originally told me and for the past couple years I have been stuck with huge debt. 

Last week someone had mentioned to me that there was a lawsuit against Navient and their fraudulent statements of borrowers like me. It was stated the settlement would forgive the current debt, but nothing has changed in my account, nor a letter from them about this. I didn't want this to be swept under the rug and am asking for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit 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:
XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX : Kohls account late charge explanation and rebuttal Account # : XXXX To whom it may concern, I rarely use my Kohls card. When I do its for small purchases. This one was a shirt for XXXX on XX/XX/XXXX. 

On XX/XX/XXXX, I got the email on my statement. On XX/XX/XXXX, before I made a payment, I went in and edited my bank account information. 

I changed the account number, and clicked submit, then went in and made a payment. 


I never received an email that this payment failed. 


I was confused when on, I received another email that I had a balance, which had doubled ( which I shouldnt since I paid it ), So once again, I went in, updated my bank information, clicked submit on the edit, and made the payment. 


I logged in and checked on XX/XX/XXXX and it says you have a balance of {$0.00}. This was when I realized this takes a week to update the balance after a failed payment. I immediately called Kohls, ( the balance still said {$0.00} ), filed a complaint, and asked for a credit for my fees. ( I received no email on this nor confirmation number on my complaint, but when I called again, they had it on their record ) On XX/XX/XXXX, I did the same thing again. I logged in, changed my account, clicked submit, and made the payment. Immediately after, I called, and asked them to run my debit card to make the payment since It was going to tell me {$0.00}, and I would be charged more fees. ( see second payment on XX/XX/XXXX ). 

The bottom line is, their edit feature on their page is faulty, and because of that, my credit score dropped over XXXX points. As you can tell from my history, this is not a normal occurrence. I would like to be credited all the fees, and the late payments removed from my credit report. I would really love to close this card, but I do believe it would cause much trouble with my credit score at the moment. 

I've attached a detailed document with screenshots for the incident as well.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-14
Company: Fulkerson Wing, P.C.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/XXXX I received a letter from Fulkerson & Wing P.C. stating that I owed {$4700.00} to a 3rd party and I needed to submit payment. The letter was dated XX/XX/XXXX, with a postmark of XX/XX/XXXX. Included in the letter was a model petition to the court - an official looking document that, when combined with the text of the letter, comes across to me as a threat of legal action. I immediately called the firm and was told to send in my dispute via email and call back on Monday because the speaker was not in the office.

I feel that the letter text and inclusion of the model petition violates the The Fair Debt Collection Practices Act by deliberately attempting to intimidate and mislead the least sophisticated consumer. While the letter text is careful to not to directly say that firm is taking you to court, it does go to lengths to let you know what could happen if you are taken to court.

In my opinion, this tactic is a threat of a law suit that the firm has issued at a stage in the process where they have not collected enough information to determine if they intend to file a petition.

I am not certain if this constitutes a violation of the The Fair Debt Collection Practices Act, but I know it feels like a violation against my rights to not be threatened by an entity attempting to collect a debt.

Please find a copy of the letter and model petition attached to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX Owed : {$260000.00} ; XXXX XXXX XXXX Balance Owed : {$58000.00} ; XXXX XXXX Balance Owed : {$1900.00} ; XXXX XXXX Balance Owed : {$3100.00} ; XXXX  XXXX XXXX Balance Owed : {$8600.00} ; XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX XXXX Owed : {$0.00}.

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 2023-07-31
Company: TRANSUNION INTERMEDIATE 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:
I am writing to dispute the account referenced XXXX XXXX XXXX. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? I have contacted the creditor myself and have been unable to get them to verify that this balance and payment history is accurate. How does this meet FCRA guidelines when all data furnished should be the same? I dispute your claim and I am requesting that this is removed from my credit report. XXXX and XXXX have removed this account due to them not being able to verify this account. Stop reporting this information on my credit report for many FCRA violations. Attached is the dispute letter sent 2 months ago which is dated and time stamped. Please see the True bill attached for FCRA violations.

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 2018-01-20
Company: CITIBANK, N.A.
State: IL
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:
Since my Citi AAdvantage account was open, it was set up on auto pay. I would always make the payment before the auto pay was scheduled which then would override the auto pay. Auto pay was set up as a safety valve. On the XX/XX/XXXX statement the due date was XX/XX/XXXX. When I logged into my account on XX/XX/XXXX to confirm the payment was through, I noticed it did not. So I manually made the payment. I then called Citi Bank to find out why the auto pay did not take place and they told me it was removed. I explained I am the only user of this card and I did not removed auto pay. The rep did n't care, what I was telling them. I also stated the late fee of {$27.00} should be removed because of a defect in their system. The call was then transferred to another rep and they were suppose to have a manager call me back, which never happened. This is a unfair practiced. Being a loyal and long time customer means nothing to them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-25
Company: National Credit Systems,Inc.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This company has obtained my information with my consent. Claiming that I owe them a debt and reporting on my consumer report. I have never done business with National Credit Systems. I have contacted this company several times asking for a complete audit trail of this account and how do I owe them? I have sent letters as well as certified letters since XXXX. They never respond! This account reporting to my consumer file is causing me a deep XXXX and is a Defamation of My Character. 

According to 15 usc 1681 section 602 A states I have the right to privacy.

15 usc 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written intructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
My identity was hacked through my email which caused me to receive multiple inquiries on my credit report that I am not familiar with.

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 2023-09-03
Company: DFC Global Corp.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Hello Im reaching out for a case that I have already filed against Aspen financial. Previous case number- XXXX. 
This is not correct and I do not agree with what Aspen Financial responded with. They sent over information that could easily be auto generated with my information. This is identity theft. I have never opened any account with this company. I have never received any kind of information about this account until XXXX, which I quickly responded to as this took a major hit to my credit. The response from Aspen financial is fabricated and is fraudulent. 
I have asked where did the funds get sent if this was legitimate? Why has this never hit my credit until XXXX  if it was opened along time ago? None of my questions have been answered. Aspen Financial sent over documentation that is fraudulent and not mine. I would like this to be investigated more as this was not me who opened this account. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: Experian Information Solutions Inc.
State: KY
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:
In an attempt to buy a house, I realized there are damages on my credit report. According to Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], there should not be any damages on my report. This is a defamation of my character.

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 2018-10-06
Company: CITIBANK, N.A.
State: AZ
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:
Hi, Its regarding credit card disputed i opened with Citibank Credit Card. I got my car repaired and paid XXXX USD using Citibank Credit Card.

Since, i got this repaired from a local garage shop where I never received any written guarantee nor the car is working what i paid for, i opened up a dispute for that transaction for as " bad service '' to claim back XXXX  USD.

Citibank understood my issue, acknowledged but I have a feeling that they never took it to a next level and rather I was always asked to generate papers and documentation to fight for it and prove that I have had bad experience with the purchase.

The dispute was opened by on XX/XX/2018. They on XX/XX/XXXX, rejected my claim saying that they can't do anything and could not get the amount credited for my disputed charge from the merchant and marked the investigation as Done.

As XXXX USD is a substantial amount for me, so i decided to reach out here to find out if there is possibility of my request of dispute could be worked out. I am claiming back the whole XXXX  USD however I am claiming the amount which I should not have paid for.

When i received my car back, it was working as expected however I can't even take back since I didn't got a real receipt, any written warranty, no bills of the parts installed, and i paid for every minute they spent on the car checkup - this makes me feel not try that anymore.

I am requesting if CFPB could help informing Citibank to help me with this dispute case. I pay my bills on time, i have a good credit, etc. This was just a bad experience for me and seeking for a fair response in this case.

Thank you!!!

D

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 2023-06-07
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 fraud alerts or security freezes

Complaint:
I believe my identity was stolen as part of the XXXX XXXX ( FL ) Elections Office security breach due to cyber criminal activity because I have received multiple letters from banks asking to supply personal information for credit for which I have not applied. 

On XX/XX/2023 I managed to speak to an actual person at Experian to update my information with them. However, there was an issue with their system, and they could neither set nor issue a security freeze PIN. They told me to call back. Today, XX/XX/2023 I can not get past their automated response. 

We all know that credit scores and credit bureaus are an institutionalized form of discrimination. They have only come into existence recently and they are bull but they have a strong lobby, and line politicians ' pockets and stay in power, and " relevant ''. However, since we have to deal with them, the least the CFPB can to do protect consumers, is to make sure that the credit bureaus have an easy way for people to get thru to a LIVING HUMAN BEING on more than one occasion, on consecutive days, in a way that's reasonable, and within a reasonable time frame ( 3 minutes or fewer ). 

Seriously, what if I didn't have a computer, or had a XXXX where I needed actual help and couldn't use the phone?

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 2020-03-07
Company: Peoples Commerce Inc
State: PA
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:
I bought a car in XXXX from drive here.com to only find out in XXXX that I was leasing the XXXX vehicle. I was told to pay an extra {$100.00} a month as an insurance for repairs when needed. When the car broke down ( transmission blew ) I returned the vehicle for repairs and the company refused to fix it. As of today XX/XX/XXXX, the company is reporting the repo as new XX/XX/XXXX, ( last report date ) the original repo date is XX/XX/XXXX, Inaccurate Balance reporting at $ XXXX but over the phone they say I have a balance of {$2000.00},

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
hello, my name is XXXX XXXX. 

Im custumer from capital one bank and i received email about my account has been locked without any reason. 

the email said XXXX, XXXX XXXX We restricted your account ( s ) We're restricting your Capital One 360 account ( s ) until we can verify your recent account activity. 

I think if something happend they should call me and talk to me about what is the activity they want made sure that is me or not. 

Now i cant paid my bill becouse my money is on hold. 

I feel really fustrated about this arbitrary decision was made with my account. 

i check all my activity and i didnt see any change for be consider suspicius for lock my account.

Company response to consumer: Closed with explanation