BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/XXXX I received a letter from Capital One Bank that they were decreasing the line of credit of one of my XXXX accounts by {$1000.00}. Be aware, this complaint is not about the decrease in the line of credit itself. One of reasons for the change listed in the letter was : Use of all of your availabile revolving credit has been too high on your Experian credit report I do not dispute that I need to work on getting my outstanding credit card debt down. I do not dispute that it is higher than what I want, however, by decreasing my credit line, they further negatively impacted my available revolving credit ( it, naturally further decreased ) and sure enough I had a downward adjustment to my credit score. I spoke with Capital One 's customer serve on XX/XX/XXXX. I was able to confirm with them that I was a customer in good standing ( this account has been open since XX/XX/XXXX ) and that, at least in the past year, I had not been past due, nor short paid an amount due during any billing cycle. Therefore, I dispute the reasons, listed in their letter, as being the true justification for their action. I presume their justification to be an intentional act to negatively manipulate my credit score and to then use the downward adjustment as a reason to upwardly adjust my card 's APR. And this is the heart of my complaint. By all means, Capital One should have the right to take the action they did. But, by allowing a system that then uses their action as criteria to negatively impact ones credit status, you are allowing the fox to guard the henhouse. And you are presenting the opportunity for lenders and the credit reporting agencies to conspire against honest, hardworking consumers who are trying to live within the rules of a rigged system. As far as that goes, having a request for an increase of a line of credit or applying for a new credit card/loan, negatively impact one 's credit score is grossly unfair. A consumer who works hard to build up their credit score prior to taking out a car loan, for example, is then penalized for accomplishing their goal? I submit that this begs for change. I hope you see this argument to have merit. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On Friday, XX/XX/2020 my Wells Fargo business credit card was stolen. I called Wells Fargo immediately on the morning of Friday, XX/XX/2020 and reported my credit card stolen. The police department was called as well and a report was made. Given that both my credit card and California State Driver 's License were stolen - the report was considered identity theft. 

Although I promptly reported the theft of my credit card to Wells Fargo - Wells Fargo included a charge in the amount of {$1500.00} that was made on XX/XX/2020 in my XX/XX/2020 credit card statement. This is the first indication that I received from Wells Fargo that this charge is being considered a valid charge on my credit card. I did not make this charge. This charge was made after my credit card and driver 's license were stolen. This information was relayed to Wells Fargo - in addition to the police report details & police officer contact information. However Wells Fargo has not removed this charge from my statement and has denied my fraud claim and has not given adequate explanation as to why my claim has been denied.

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 2020-05-18
Company: The CBE Group, Inc.
State: GA
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:
609. Disclosures to consumers [ 15 U.S.C. 1681g ] A record of all inquiries received by the agency during the 1-year period preceding the request that identified the consumer in connection with a credit or insurance transaction that was not initiated by the consumer. 

XXXX XXXX/XXXX XXXX  Auto Dealers, Used XX/XX/XXXX XXXX  XXXX XXXX   XXXX Credit Cards XX/XX/XXXX XXXX  XXXX/XXXX  XXXX XXXX Collections Attorney XX/XX/XXXX XXXX  XXXX XXXX XXXX Credit Cards XX/XX/XXXX XXXX  XXXX XXXX Auto Financing XX/XX/XXXX XXXX  XXXX XXXX XXXX Auto Dealers, Used XX/XX/XXXX XXXX. 

UNKNOWN CREDITOR : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX  XXXX XXXX  Account # : XXXX Account Type : Collection Bureau Code : Individual I Account Status : Derogatory Monthly Payment : - - Date Opened : XX/XX/XXXX XX/XX/XXXX. 
No. of Months ( terms ) : - - High Credit : {$110.00} Credit Limit : - - Past Due : - - Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX Comments : Placed for collection - Date Last Active : XX/XX/XXXX XX/XX/XXXX UNKNOWN CREDITOR : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX  XXXX  Account # : XXXX Account Type : Collection Bureau Code : Individual Account Status : Derogatory Monthly Payment : - - Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$100.00} No. of Months ( terms ) : - - High Credit : {$100.00} {$100.00} Credit Limit : - - Past Due : - - Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : Placed for collection - Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : - - UNKNOWN CREDITOR : CBE GROUP CBE GROUP ( Original Creditor : XXXX XXXX   XXXX  ) XXXX XXXX XXXX Account # : XXXX Account Type : Collection Bureau Code : Individual Account Status : Derogatory Monthly Payment : - - - Date Opened : XX/XX/XXXX Balance : {$590.00} No. of Months ( terms ) : - - - High Credit : {$590.00} Credit Limit : - - - Past Due : - - - Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : Affected by natural disaster Affected by natural disaster. 
Affected by natural disaster Subject has not satisfied debt. 
Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : - - - Two-Year payment history

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: Experian Information Solutions Inc.
State: AR
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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX  XXXX {$370.00} XXXX XXXX XXXX XXXX {$3800.00} XXXX   XXXX {$23000.00} XXXX XXXX {$300.00} XXXX XXXX XXXX {$770.00} XXXX XXXX XXXX XXXX {$280.00} XXXX XXXX {$770.00} XXXX XXXX XXXX {$720.00} XXXX XXXX   XXXX {$650.00} XXXX XXXX {$5300.00} BANKRUPTCY CHAPTER XXXX XXXX {$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 2020-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX XXXX {$370.00} XXXX XXXX XXXX XXXX {$3800.00} XXXX   XXXX {$23000.00} XXXX XXXX {$300.00} XXXX XXXX XXXX {$770.00} XXXX XXXX XXXX XXXX {$280.00} XXXX XXXX {$770.00} XXXX XXXX XXXX {$720.00} XXXX XXXX   XXXX {$650.00} XXXX  XXXX {$5300.00} BANKRUPTCY CHAPTER XXXX XXXX {$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 2020-05-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The original creditor is Capital One. 
- The debt collection agency is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX PH : XXXX OR PH : XXXX. 
- The amount listed on the credit bureau reports is {$560.00}. 
- I have attempted to dispute this account minimum of 2x with each individual credit bureau agency ( XXXX XXXX and XXXX ). I have also called XXXX XXXX   directly requesting a validation of the debt. I do not recall this debt at all. 
- When I reviewed my XXXX  report it list date of first delinquency XX/XX/XXXX ; delinquency first reported on XX/XX/XXXX and the date the account was first opened XX/XX/XXXX. How do these dates make valid sense? I am simply requesting an explanation and proof of this debt. 
- When I reviewed my XXXX report is states date placed for collection XX/XX/XXXX. 
- When I reviewed my XXXX credit report it states collection opened on XX/XX/XXXX and the account type is a " FACTORING COMPANY ''. 
- I have all three copy of copies that support this information above. I have also attempted to contact Capital one - but I was advised to contact the debt collection agency. I have a current capital one credit card holder this is further more I do not understand what account this debt collection agency states that I owe. It is my right to be provided documentation to this aforementioned account. The credit bureaus have stated this account has been verified ; however no means of how this account has been verified to me directly and it is my credit profile that is being effected. I respectfully ask for this account to be validated or removed for all of my credit bureau profiles. I also request proof of when any correspondence was sent to me to discuss this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
XX/XX/XXXX - Vehicle purchased from XXXX XXXX in XXXX XXXX, KS with extended warranty ( cancellable ), loan through Capital One. XX/XX/XXXX - I initiated warranty cancellation by phone with XXXX XXXX. Shortly thereafter received by mail confirmation of warranty cancellation and copy of refund check ( ~ {$2500.00} ) sent to Capital One by XXXX for warranty cancellation to be applied directly to my loan balance. To date ( XX/XX/XXXX ) the refund has not been credited to my loan balance. I have spoken to both Capital One and XXXX XXXX numerous times regarding this issue. XXXX XXXX states that the check has been cashed and that they have fulfilled their obligations and can not take further action. Capital One has stated multiple times that no check has been received, despite XXXX 's statement that their check has been cashed. I have been told that the typical time for cancellation refunds to post is between 8-12 weeks, and it has been approximately 20 weeks since the cancellation was requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: Shellpoint Partners, LLC
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
To my dismay I noticed an erroneous reportings on my XXXX credit bureau for myself, my Dad and my daughter for a fictitious .My daughter called a representative at Shellpoint Mortgage Servicing customer service number, on XX/XX/XXXX she indeed confirmed this was an error and confirmed the following details : The loan was originally with XXXX Mortgage XXXX it was scheduled to transfer to Shellpoint but never transferred because the truth of the matter is my husband refinanced from XXXX XXXX XXXX of 2019 with no delinquencies prior and neither me or my daughter were even on the loan when XXXX was the mortgagee. I dont know how my mom and I were even on XXXX record. The loan NEVER hit your portfolio yet has been reported 120 days delinquent on all three of our credit bureaus!!! Which caused our credit rating to decline between 25-50 points each. I myself noticed this because I was in the process of applying for a loan and was denied! My daughter and I have spent several hours calling and holding to speak with your company and representatives at the credit bureau to dispute this item on all of our credit bureaus. Such negligence should not have take place and it has cost us as consumers. The other thing that concerns me greatly is that, neither my daughter, husband or I never received any correspondence from Shellpoint, or XXXX about any mortgage transfer to our residence. Please remove this erroneous reporting from all credit bureaus for all parties involved immediately. I also confirmed on a secondary phone call to Shellpoint, they has now transferred said mortgage to another lender, they couldnt tell me who, that now has our personal information and shouldnt. Shellpoint is hindering our ability to get other lending transactions approved. I would like a letter mailed to each of us with resolution.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I mailed a certified letter to TransUnion disputing a late payment in XX/XX/XXXX that was on my credit file. On XX/XX/XXXX TransUnion mailed me back the investigation results. The results was verified as accurate and updated. The same investigation report changed the date which is also inaccurate. Now it's showing on my credit report that I have a late payment of XX/XX/XXXX. I have proof that I made my late payment on time. I provided a copy of my bank statement showing proof of making my payment on time in XX/XX/XXXX. 

I'm having a difficulty time mailing letter to correct my information on my credit file with TransUnion. They keep changing the late payments to a different date. 

Thank you.

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 2021-03-27
Company: JPMORGAN CHASE & CO.
State: GA
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: Investigation took more than 30 days

Complaint:
i disputed this inquires on XX/XX/XXXX, it has been more than 45 days and still no result.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: EQUIFAX, INC.
State: IL
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:
For the past year I have contacted XXXX and Equifax with letters on inquiries on my reports that I did not authorize. I know that they are supposed to respond within 30 days and I had certified mail and I never got a response. These letters were sent off XX/XX/2020. In addition to the letters that I sent I also was on the phone several times and spent numerous hours waiting and getting hung up on. They did not want to a dress removing this information like ages didn't matter and it is affecting my ability to be able to acquire the credit that I want to acquire and I need these items removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08
Company: AES/PHEAA
State: NE
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In 2007 I heard about the Public Service Loan Forgiveness Program. I called my loan servicer and made sure I was on track to be a part of this. The promise was that after 120 on time payments, the remainder of my loans would be forgiven. I was working in qualifying XXXX and my income was well within the parameters given to me. Last year I knew the 10 years was getting close so I started looking into the application needed to get the loans forgiven. Through this process my loan was sold to fedloan and they tell me that I have not made any qualifying payments. I called a couple of times and was told that there is a review process that takes up to 3 months to determine if my previous loans with XXXX XXXX count. They also told me that in the meantime, if I wanted to get on a qualifying payment program with then I would have to pay an extra {$100.00} a month. The way they made it sound was that the XXXX XXXX people misinformed me about the type of repayment plan I was on and that I would have to take it up with them. They do not exist anymore! I asked who would be able to look and my situation and make a rational decision. I was told nobody could, that there was no appeal process and that the policy guidelines are black and white. I have worked over ten years in XXXX XXXX XXXX, have always made my payments and just this last month my loan was sold to an external organization that says I have not made any qualifying payments and that if I started I would have to pay an extra {$100.00} a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Upon reviewing my credit file I noticed a derogatory mark stating that I was pass due on an account from XXXX with a XXXX balance. I send all three bureaus validation of debt letters along with a request for a method of varication. They sent me a letter stating the account was verified as reporting accurately. I contacted the original creditor and was told that my balance was XXXX balance. I also noticed that all 3 bureaus were reporting 3 different open and close dates. According to the original creditor the open date was XXXX2015 notXXXX2015 per transunion and not XXXX2015 per XXXX and XXXX. If they actually completed a through investigation then why is the reporting information different from the information the original creditor has provided me. Due to the apparent neglect of my credit file. I would like this account completely removed from my file immediately. This is a major violation of the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08
Company: Arbor Professional Solutions, Inc.
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This company was very rude, I spoke with three people and out of the three I spoke with the supervisor as well as the vice president were the most unprofessional ones, I contacted Arbor Professional Solut debt collection company on X/X/17 in regards to a dispute they have placed on my credit report for {$230.00} I spoke with XXXX who is a Arbor Professional Solut Agent, informed him of the mis-communication with this creditor and seeing that the creditor had no real documentation from me or any signed agreement stating I was aware of any charges for an appointment that she scheduled on her own for a mis-communicated appointment date in my books it was different, I informed XXXX with my issues and asked, how is your company able to collect a debt with no-documentation stating I was aware of any amount owed or even scheduling a appointment, he did n't have this information.I was transferred over to XXXX who was the supervisor who was very rude, I tried to explain the situation she continuously cut me off stating " File a dispute '' I understood the part and wanted to know how the investigations work, she stated they 'll send the creditor back the dispute and it goes from there, I asked XXXX well if she 's sent my information over for collection how would that work with her taking it off? she ( creditor ) & I have had discrepancies in regards to the matter and wo n't fix it, XXXX states well you must had because she has your information, I informed XXXX just because she has my information does n't mean I 'm subject to be charged for a debt that is incorrect, I asked XXXX for proof showing I was aware of this debt as well as any documentation that I can have from the creditor showing I am to pay this debt and proof on why the debt should be collected, XXXX informed me I needed a " signed '' written request to retrieve my information, How am I to know this debt is correct if I do n't have proper information and it 's already been placed on my credit? she states a written request after multiple back and forth I asked XXXX well seeing I was told I need proof for my investigation I have several voicemail confirming she never confirmed about any scheduled appointment how can I get them to you for my investigation she says we only have fax machine and mailing address if you can figure out some way to have it sent somehow then that would be on you, she was very rude and cut me off multiple times by the time I was finished I was transferred over to the Vice president XXXX who was also just as rude, he informed me to file a dispute not even hearing my situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation