BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Portfolio Recovery keeps repeating calls after being told to stop from multiple numbers from different states at random hours throughout the day and night 7 days a week, and was told this number is on a do not call list and to send any communications through the mail and not to contact this number and that it was on the National Do Not Call List. Was told they didn't care.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-16
Company: AMERICAN EXPRESS COMPANY
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
My rewards account, consisting of over XXXX points has been locked by American Express with no communication since XX/XX/XXXX. American Express Membership Rewards Customer Service XXXX XXXX stated on XX/XX/XXXX that this lock is indefinite with no resolution time frame. He submitted a ticket to get resolution, but I was told it could take an additional 4 weeks ( by one of their supervisors ) to respond to the ticket.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-15
Company: Security Credit Services, LLC
State: CA
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:
This is the last negative on my credit report after winning a court case against XXXX XXXX bank who's Bi-lingual tellers were running a frauduent ring of crime from car stereos to even mortgages. I have contacted them multiple times. They moved from XXXX and sold it to another out fit called " XXXX XXXX XXXX XXXX XXXX '' and then it finally ended up with Security Credit Services. After doing my homework i quickly realized that all three business are using the same answering machine service with the same message that states they are too busy assisting other customers and to please leave a message. I left 10 messages and was never contacted then I sent a threatening email to them and they responded giving me the same phone numbers I had already been calling in a constant phone loop, They then told me they couldn't handle my case and then i said you need to remove it from my report and they said they had no way to anymore ( and I was even willing to pay it i'm trying to buy a house ). So they are running a complete racket and you will not be able to get a hole of anyone and if you sign up on their website you will be able to see your old debt but you can take no action because its been sold to security credit services who is NOWHERE TO BE FOUND OR CONTACTED!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXXy is reporting a debt on my credit report that is not mine. This account is a fraud account and not mine. I have never had an account with XXXX XXXX or ever received any cameras, or systems in my home. This is a mixed file and I demand this account to be removed off my credit before the next call I make will be to my attorney.

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: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I called to see why my balance was XXXX when balance was paid in full and they state that closed my account on XX/XX/XXXX because of credit so why was I approved in XXXX for credit card and then they close it now my credit score has went down because of this. 
Very unfair I had a balance of XXXX which I paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I had a Capital One XXXX business card from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX. During the year that this account was open, I have always paid the credit card off in full without missing a single payment. 

On XXXX/XXXX/XXXX I called Capital One to close down my account in full because I no longer needed a small business card due to the fact that I had accepted a full time job with another company. The conversations I had with the Capital One representative lead me to believe that the card had been paid off in full and that the account would be fully closed. 

I learned on XXXX/XXXX/XXXX that pending charges that had been associated with the closed account had not been paid. I was told by a credit bureau that I was 90 days delinquent in paying these charges. I promptly tried to pay off my account in full on XXXX/XXXX/XXXX. It would take until XXXX/XXXX/XXXX to get my account fully paid and closed. 

From XXXX/XXXX/XXXX until the account was verified closed on XXXX/XXXX/XXXX. I never received any correspondence relating to a bill, an outstanding balance, a delinquent account, etc. No emails, no phone calls, no letters sent to my home address. 

I was told by Capital One that I didnt receive any notifications relating to my outstanding balance because I had opted into Wireless Billing. I was surprised to learn that fulling closing an account does not also terminate your wireless billing agreement. 

I asked Capital One why I didnt receive any emails corresponding to this outstanding balance because I was in frequent contact with them through email before the incident. They explained that emails were nothing more than a courtesy and that they probably stopped emailing me because I closed the account. 

Thus. I feel like my credit score was adversely affected because Capital One failed to adequately notify me that something was wrong with my closed account. I understand that I am responsible for all charges made on a credit card but this situation is crazy. I feel like Im the victim of some random companies obscure online policies that is now affecting my ability to obtain a house. Etc. 

This event has forever changed the way I deal with a credit card company. I will now call them multiple times to verify and re-verify that payments have been settled and no debts are do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
Company: EQUIFAX, INC.
State: GA
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:
If you feel there is a possibility that these all items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items that verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so these matter can be handled swiftly. 
XXXX XXXX A XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$9800.00} 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-21
Company: Byrider Franchising, LLC
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 have sent debt validation letters to the company asking for proof of debt and have yet to receive a reply from any of the letters that I have sent via certified mailed. I first contacted them back in XXXX and recently I have found that they are not authorized to Collect Debt in the STATE OF FLORIDA WHICH REQUIRES THEM TO BE LICENSED, BONDED AND INSURED.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Company: EQUIFAX, INC.
State: NC
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:
On XXXX I sent a letter as to all 3 credit reporting bureaus regarding inaccurate and unknown things on my credit report to this day it has been almost 2 months and I have not received a response yet. I feel like Im being taken advantage of and my disputes are being ignored. I don't know what I need to do from here for my valid concerns to be addressed. These things are effecting me from obtaining credit and makes me look bad. I want these inaccurate items immediately removed from my credit report, it has been over 45 days so they should be deleted promptly. I request these accounts be deleted immediately or I will file further complaints and go as far as any litigation due to the stress you are causing me. My personal and private information was impacted by the Equifax date breach this could be the reason for these inaccurate things to be on my credit report. I'm unaware of these things on my report that I disputed. Please help me resolve this as soon as possible. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14
Company: EQUIFAX, 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:
Please remove the following fraudulent inquiries from my Equifax credit report : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17
Company: Google Compare Credit Cards Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I have sended XXXX ( XXXX XXXX ) amount on XX/XX/2019 from XXXX, that amount debited from my account but not deposit to recipient account, i consult the no.of times to XXXX customercare but still pending my issue please help me on my issue.

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 2021-06-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
I am submitting this complaint in regards to a matter of interest fees that I am being charged after paying in full the balance of my " Capitol One credit cards ''. 

On XX/XX/2021 I made a payment of " {$3000.00}, and {$1300.00} to my Capitol One credit card accounts. These payments rendered my accounts " Paid in Full '', with no pending fees. I also contacted Capitol One on XX/XX/2021 and requested that my accounts be " Closed ''. 

After paying the accounts off ; I received an email from Capitol One informing me that I owed {$16.00} on one account, and {$36.00} on the other. I contacted the company and I was told by the Representative that the fees were interest that were applied from the XX/XX/XXXX billing cycle. I explained to the Representative that I had paid my accounts in full on XX/XX/XXXX, and that I had requested my accounts to be closed. The only response was a repeat of when the fees had occurred. 

I have since received another email informing me of these same charges, which have doubled, and have been applied to the account that I paid in full, and closed on XX/XX/2021. 

I implore your organization to assist me with rectifying these unethical, unjust actions. 

Sincerely ; XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 am on a COVID forbearance program with my Mortgage company ( XXXX XXXX ) since XXXX  2020. The credit bureaus are supposed to be reporting that I am current. The Mortgage company ( XXXX XXXX ) said that being in the program will not affect my credit score. But my credit sore is being affected every month since XXXX  2020. TransUnion is reporting that Total balance on all your mortgage accounts ( s ) has increased by {$1300.00}. This change applies to the sum of all Mortgage balances.

They need to stop reporting this and go back and fix all the reporting so my credit score will not be affected. Because while I am in the COVID forbearance program TransUnion should be report my mortgage as current. Please contact TransUnion have them please correct this incorrect reporting. My credit report dropped XXXX  points Thanks

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 2019-01-17
Company: WELLS FARGO & COMPANY
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I deposited a check I was given from a bed I sold on XXXX and it appears after the bank sent me an email the check was good that it wasnt because my account is now negative the amount of the check and more. I am going to call them in the morning Im very upset I live on a limited income and I can not afford to replace this money I was obviously frauded out of, im just sick about it and I dont know what to do.. I will contact the bank tomorrow, I accidentally came across your app tonight. I am trying to fix my credit and Im so upset. I dont understand why people do this to other people. I was told that the check was good and so I went along with the process and lost my bed and now Im out all this money in my account, Im so upset Ive barely been able to eat.. Thank you.. be careful there are a lot of scammers out there and somehow the bank didnt know the check was bad at first..

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: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I have asked for validation, this account does not belong to 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 2018-06-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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 need the information to be linked to XXXX for financial services and it won't let me link up to the software.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: Experian Information Solutions Inc.
State: PA
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:
XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, and XXXX  XX/XX/XXXX along with 8 hard inquires which icludes XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all these are fraudulent accounts I am a college student and was not concerned about my credit now that I am it seems someone has been using my information for several years and I would like it to stop

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 2021-09-03
Company: Experian Information Solutions Inc.
State: CT
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 and Experian will not remove a debit that yet have validate verification they just keep stating updated with out verification a collection XXXX XXXX for XXXX was on my credit last year and removed and now added back I have no knowledge of the account and dot believe its mines XXXX recently had a breach in selling customers identity. I will like this account removed

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 2020-05-19
Company: Santander Consumer USA Holdings Inc.
State: SC
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:
XX/XX/2019 late payment when payment wasnt late effecting my credit report negatively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-17
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:
Several times now when I try to file a dispute online I am asked a series of questions. A lot of the questions I am asked are items that doesnt show on my report at all and is unfamiliar to me I never done business with the company. After answering correctly I receive an message that states that the information I entered is incorrect. I have brought this issue up several times with this credit reporting agency and every time they are unwilling to assist or get it corrected. I most recently had to file a dispute over the phone and was told that it was nothing that can be done and Equifax doesnt have a department where any information that is asked for security questions online can be corrected which is ridiculous. Also they state that items cant be disputed which the other 2 agencies will dispute and remove items in a timely manner. Equifax will say it cant be disputed and its automatically removed but they has been several times where I end up disputing items anyway because it wasnt removed. The information on my report is completely different than what XXXX  and XXXX  reports but its the same companies which I dont understand as well also they remove items much faster than Equifax does when its disputed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07
Company: EQUIFAX, 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:
NOTE : This is a CHALLENGE as I am NOT DISPUTING. 
I am always checking for mandatory compliance and am fully aware of the CFPBs enforcement capabilities with furnishers who are non-compliant with the Law, specifically when it is injurious to a consumer. I am requesting a MANDATED COMPLIANT Metro 2 format reporting to be presented with a CERTIFICATE of COMPLIANCE demonstrating that the accounts are entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented through testimonial through that certificate of COMPLIANCE making undeniable lawful standing of the claim.

Per Law any deficient or substantial and evident matters of facts would be unethically reported and even illegally reported based on several laws that the CFPB, along with the appropriate government divisions who have jurisdiction over this. With that said, to retain such injurious, inaccurate, non-compliant and harmful items is an infraction to these laws as per mandated compliance. 
The items attached are non-compliant as per the FCRA and CDIA requirements!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-01
Company: RoundPoint Mortgage Servicing LLC
State: LA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I, XXXX XXXX entered into a consumer credit transaction with XXXX d/b/a XXXX Mortgage on XX/XX/2018. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. the finance charge does not include cash, but XXXX d/b/a XXXX Mortgage took cash. Since then, XXXX d/b/a XXXX Mortgage has sold the note to Roundpoint Mortgage Servicing Corporation and is now liable both criminally and civilly.

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