BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
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:
I recently was reviewing my credit file and noticed that my account with Capital One had closed and had a few late notations. I had set up automated payments through the online systems and thought that i was good to go. I was not aware the account was delinquent nor was i aware that the account was closed. I was never contacted about a past due balance or about the account closing. I would like Capital One to remove the lates from my credit file, they are erroneous. I set up automated payments to be drafted through he online systems and payments were not being drafted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
These medical accounts are reporting on my credit report from a third party vendor and by law credit bureau 's can not report OK legally from a third party vendor

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 2020-09-04
Company: Netspend Corporation
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Advertising
Sub-issue: Confusing or misleading advertising about the card

Complaint:
On Thursday, XX/XX/2020 I went to retrieve my mail from the mailbox. I applied for the XXXX prepaid card online and was expecting it. It was in my mailbox along with a NetSpend prepaid card. 

I didn't apply for the NetSpend card and was not amused. I have sent an email to NetSpend to file a complaint. Under no circumstances did I knowingly or willingly apply for the NetSpend prepaid card.

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 2021-07-15
Company: WELLS FARGO & COMPANY
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Wells Fargo home mortgage underwriter XXXX XXXX in XXXX NC failed to identify cash deposit during our pre-approval on XX/XX/21 which resulted in the failure of securing a home loan. The problem was identified XX/XX/21 but no loan officer communicated this until 10 business days later, which was also 2 business days before the closing date. The problem could have been resolved by simple communication which they absolutely failed to do. Knowing underwriting requires 3 business days before close, the home seller backed out of the contract. 

Wells Fargo then claimed no fault resulting in my loss of out of pocket expenses in the amount of {$1300.00}. This obviously doesn't account for my time, change in market value, and walk-in equity as the home appraised $ XXXX over sell price. 

Due to daily changes in the area housing market, no other comparable home has been found which does not sell for at least $ XXXX over our contract sell price for the home we lost.

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 2022-08-08
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX Name : XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXXXXXX XXXX Employer : XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX, MI XXXX XXXXXXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX  XXXX, PA XXXX XXXX XXXX XXXX XXXX, TX XXXX Inquiry : XXXX XX/XX/XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Addresses : XXXX XXXX XXXX  XXXX XXXX, CO XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX  XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX, KS XXXX Employer XXXX XXXX XXXX XXXX Inquiries : XXXX XX/XX/XXXX US SM BUS ADMIN XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX Collecons : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Name : XXXX XXXX XXXX Addresses : XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, FL XXXX Inquiry : XXXX XX/XX/XXXX Collecons : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX 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 2021-04-23
Company: Shellpoint Partners, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Shellpoints payment history to the three credit bureaus is incorrect as of today. The loan was Service Transferred from XXXX XXXX to Shellpoint Mortgage Servicing with transfer date of XX/XX/XXXX. The loan was current and the attached XXXX statements show payments we made for XXXX, XXXX and XXXX of XXXX. We have made a total of XXXX payments from XX/XX/XXXX to XXXX of XXXX, that were all paid in each month with no late payments. 

The loan was Service Transferred from Shellpoint to XXXX XXXX XXXX starting on XX/XX/XXXX. The attached XXXX statement from XXXX will show that both XXXX and XXXX payments were posted. The statement shows the XXXX payment recorded for XX/XX/XXXX and XXXX 's payment for XX/XX/XXXX. Both payments were made by XXXX directly to XXXX XXXX XXXX. 

The attached screen shot from our Experian credit report shows a status date of XX/XX/XXXX that I captured today. It shows both XXXX and XX/XX/XXXX payments note being recorded to the credit bureaus. It also shows a XX/XX/XXXX payment, that should not be showing, because our last payment to Shellpoint was XX/XX/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 2021-07-15
Company: Comerica
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I am a US citizen in XXXX. 
I have made multiple failed attempts over the course of years to change my mailing address for the Comerica Bank Direct Express program. Now my card is expired so I am unable to get a new one unless I can change my mailing address. In about half a dozen attempts to call from XXXX, using the numbers on the back of the card, I have never reached a human being. In an earlier attempt, I was able to reach the automated phone system but was unable to type the information requested fast enough to avoid timing out. In the latest attempt, I got a " number not in service '' message for the international number on the back of the card. I sent a postal express mail letter with my identifying documents, to their address over a month ago, but have received no response. 

How are people who have difficulty with phones ( like me ), or have calling plans that don't allow for international calls ( like me ) supposed to manage their Direct Express accounts with no other means of contact? If phones are the only allowed means of contact, there should be human operators who answer every call right away. Making contact so difficult smacks of deliberate intent to hold the money. 

Over two years ago there was a failed ATM transaction that was deducted from My account. I have been unable to report it to initiate a resolution. 


P.S. I wonder what became of the letter I sent containing the copies of identifying documents ; was it just thrown in the trash leaving the documents for any trash collector to find?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WA
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:
Portfolio Recovery Associates has been continuously reporting an entry on my credit report and not validated the entry. In my previous disputes to XXXX and XXXX, they responded that the accounts were verified. To that end, I sent a dispute certified with return receipt to them. I sent my first dispute to the Portfolio in XX/XX/XXXX and their response was a mere summary drafted on their letterhead. This did not provide any substantial justification regarding the amount they were alleging I owed. As a matter of fact, it was very questionable. Thus warranted my follow response refuting what they sent. In my letter dated XX/XX/XXXX ( see attached ) ; I specifically pointed our the errors and inaccuracies that they were reporting and to date are still reporting. 

To recapitulate, Portfolio opted to not send a dunning letter notifying me that they were attempting to collect a debt. Hence violating my consumer rights that would have afforded me the opportunity to dispute the validity of the alleged debt. Additionally, in my XX/XX/XXXX dispute, they neglected to fully investigate the dispute I submitted and provide the requested documentation to validate the alleged debt they are reporting. Further, upon my sending a 2nd letter to them in XX/XX/XXXX specifically denoting the inaccuracies, they have failed to update the entry on my credit report and have failed to provide the documentation supporting them having the ability to report this account as a data factoring account. Portfolio continues to blatantly violate my consumer rights. 

Given the aforementioned information as well as the supporting documentation attached, this entry mandates a DELETION IMMEDIATELY!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16
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: Personal information incorrect

Complaint:
I have sent letters to correct my personal information. The only address that is a valid address is the address that I am currently residing in and all my credit accounts on my credit reports states that I reside at XXXX XXXX XXXX., XXXX, FL XXXX. All other address which is an invalid address that needs to be remove immediately from my credit file. My name is XXXX XXXX XXXX. Please remove all other name variations IMMEDIATELY from my credit file-they are not accurate. All other address needs to be remove immediately from my credit file. All other name need to be remove from my credit file.

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 2020-09-04
Company: Square Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
The cash app has to be in cahoots with the scammers. I had an issue with moving money to my bank account and hit get help. Immediately went down the rabbit hole where they took all {$500.00}. Then to insult they called back. I tried calling the number for the company and they said I had to go through the app and tried taking me through the prompts which were incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14
Company: Diversified Consultants, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX, I had service installed with XXXX XXXX. I was unhappy with the service provided and on XX/XX/XXXX I called to discontinue my service. XXXX sent final billing statement dated XX/XX/XXXX- XX/XX/XXXX requesting that I remit a payment for {$110.00}. I've made several attempt to discuss and disputes amount with creditor and debt agency the charges are incorrect. I should only be charge for days of service use not entire month of service.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-02
Company: Commonwealth Financial Systems, Inc.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Debt collector against whom this complaint is being file : Commonwealth Financial Systems Inc XXXX XXXX   XXXX XXXX, PA. XXXX XXXX XXXX Unwarranted negative reporting to debt collection agency : XX/XX/2018 XXXX Complainant : XXXX XXXX XXXX ( maiden name : XXXX ) SS : XXXX DOB XXXX XXXX XXXX XXXX XXXX XXXX, MD. XXXX Tel : XXXX Cell : XXXX Paid under duress : {$540.00} Alleged account number : XXXX Date of debt : unknown Hello, Please help me. My credit monitoring company informed me that Commonwealth Financial Systems had reported a negative account of an alleged debt that was in collection. 
I immediately called and they said it was a medical bill ( which sounded possible, but not sure what it was ). I never received notice of any kind from the collector. The company prematurely put this negative item on my report. 

According to commonwealth Financials representative, in order to delete this item from my report, I needed to pay the account in full. My credit report was in essence held XXXX to the companys will. I paid the bill under duress without notice, demand, verification or communication. 

Please discipline this company and have my money returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XX/XX/21 - Disputed incoming collections account with transunions. Existing 5 year old debt was bought from previous debtor and reported as new. 

XX/XX/21 - Transunion verifies the incoming collection account as accurate. My attepts to contact them are unsuccessful. I am transferred several times before the line hangs up on me.

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 2021-07-15
Company: I.C. System, Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Im filing a complaint against IC System, XXXX. XXXX XXXX, XXXX XXXX, MN XXXX. Their phone number is XXXX. I moved out of an apartment in XXXX, IN in XX/XX/XXXX with a debt of {$150.00} to XXXX XXXX. IC System purchased the debt and violated the Fair Credit Reporting Act by re-aging the debt. On my credit report, they listed the date opened as XX/XX/XXXX, more than 3 years after the date I moved out.

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 2018-02-02
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On the XX/XX/XXXX, I attempted to withdraw {$990.00} at a ATM machine and received a " Decline '' error message. I immediately attempted to use the second ATM machine beside the one that gave the " Declined '' message because I knew I had enough money in my account to cover the requested amount, but received a " Temporary out of order message from the second machine. No money came out of either ATM machines. However, when I checked my account balance, USAA deducted {$1000.00} on each ATM unsuccessful request ( XXXX twice ). I called USAA on the XX/XX/XXXX and informed USAA of their mistake. I told them no money was received and filed an ATM dispute. Since then, I have contacted USAA more than 20 times without resolution. 
On the XX/XX/XXXX, I received an email from USAA informing me that one of the transaction was reversed and that the amount of {$1000.00} was placed back into my account and that they regard the issue closed. My issue is that there was two deduction of {$1000.00} taken out of my account. The reverse amount does not reflect on my account balance. What USAA did was to give a credit of {$1000.00} pending the conclusion of my dispute. I need my money {$1000.00} x 2 back into my account. 
Solution : I need both amount of {$1000.00} put back into my account.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-16
Company: Ascension Point Recovery Services, LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My Father, XXXX XXXX XXXX, died XX/XX/XXXX. In XX/XX/XXXX my underage son was called five times by Ascension Point debt collection service regarding his estate. Five messages were left then they talked to my clearly minor child and coerced him into giving them my cell phone number. My son is clearly underage and this tactic is abhorrent. 

Furthermore, I am not the personal representative for my father 's will nor am I a beneficiary ( nor is my son ). I called Ascension point on Friday, XX/XX/XXXX, to ask them to cease and desist in calling me or any of my family members. After this call they contacted my sister 's father-in-law. My sister is also not the representative nor a beneficiary of out father 's estate. 

These aggressive tactics for possible fraudulent debt that we are not legally responsible for is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08
Company: JPMORGAN CHASE & CO.
State: CA
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:
When l checked my XXXX Credit Report, l noticed that an unknown hard inquiry was made by CHASE on XX/XX/2016 which l have no idea about it at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-08
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: CA
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:
When l checked my XXXX Credit Report, l noticed that an unknown hard inquiry was made by ONEMAIN FINANCIAL on XX/XX/2017 which l have no idea about it at all.

Company response to consumer: Closed with explanation