BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-17
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file for the account in question. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account in question. The unverified account listed remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply.

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 2019-06-27
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: Account status incorrect

Complaint:
Equifax is stating I don't have a credit file even after I have proven to them who I am several times. This is keeping me from moving forward in my business and personal affairs.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
we have a morgage with Ocwen and this company transfered or bought a company which is now taking over our account they are XXXX XXXX  they have been working on this over a month now. my payment was du on the XXXX of XXXX and it was supposed to be drafted from my bank, it has not I have called XXXX and the said they will be drafting it but never say when and they told me thatwe have up to six months to be updated without incurring any extra fees but I am worried because next month is coming and now I will have two month statements due and what if they take longer where am I gon na get the money? i have called several time and they offer no remedy so that I can get current all I want is to be able to access my account and pay my bills on time which they are not making it possible for me to do so, and OCwen did this before and it put us on a bind because of the same matter we had to come up with two month at once and a start up fee when they also changed to another account manager about four years ago if I am not mistaken on the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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 am resubmitting a dispute regarding CFPB case # XXXXCapital One case # XXXX. On XX/XX/2021 Capital One sent a letter stating that they permanently credited my account for the full amount of the disputed amount of {$510.00}. This letter was uploaded to the CFPB website. On XX/XX/2021 I received a letter from Capital One that I was being charged {$250.00}. I called on XX/XX/2021 to review and reconcile my account/statement dating back to the original charge of amount of {$510.00} with a fraud and dispute supervisor, XXXX, agent code XXXX. These were the findings and the account reconciles as of XX/XX/2021 ( See below ). After the reconciliation with XXXX, I do not owe Capital One {$250.00}. This is an error on Capital Ones part and I am asking that they REVERSE the CHARGE of {$250.00} posted XX/XX/2021 late evening. 

Charged XX/XX/2021 {$510.00} original charge Credited XX/XX/2021 {$250.00} Charged XX/XX/2021 {$250.00} Credited XX/XX/2021 {$250.00} Charged XX/XX/2021 {$250.00} Credited XX/XX/2021 {$510.00} Credited XX/XX/2021 {$250.00} Charged XX/XX/2021 {$510.00} Charged XX/XX/2021 {$250.00} Credited XX/XX/2021 {$250.00} Credited XX/XX/2021 {$250.00} Total charged {$1800.00} Total credited {$1800.00} I called on XX/XX/2021 to speak to XXXX fraud and dispute supervisor. I spoke to XXXXand XXXX who tried to reconcile my account. Apparently the agents count the number of charges/transactions versus the number of credits and do not reconcile the total amount of charges in dollars versus/compared to credits in dollars. I thought the case was closed back on XX/XX/2021 now Capital One OWES ME {$250.00} nearly four months later.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10
Company: American Accounts & Advisers, Inc.
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The man I spoke with told me to pay them {$25.00} a month directly so my account wouldn't go to report on my credit. I told him I didn't have income. Now I have 11 separate accounts reported on my credit report, each medical date individually, instead of reporting as one whole bill. They sent me one letter with the explanation of my past due amount to XXXX XXXX XXXX. It is listed under one file number with American Accounts & Advisers , INC. and it should not be reported as 11 separate accounts. I feel like they purposely damaged my credit, even though I am still paying them monthly, because I told them I could not accept his deal. It should be listed as one account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15
Company: Navient Solutions, LLC.
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 status incorrect

Complaint:
I am actively serving in the United States XXXX XXXX and am looking to use my VA benefits this year to purchase my first home with my husband. Upon review of my credit report, I noticed a 60 to 90-day late payment on my student loan ending in XXXX in XX/XX/2018. However, per review of my Navient account : I made a forbearance payment XX/XX/2018. If forbearance covers me for 30 days, why is it that I was reported 60 to 90 days late on my credit report in XX/XX/2018? Please see attached. 

I monitor my account closely so based on this information, my account was current.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-08
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I came out of forbearance last year in XX/XX/2020 and have a deferral agreement from the bank. On my bank statements it has an Outstanding Principal amount and states my deferred balance. 

The problem is when I'm on the website is shows both amounts and adds and has a combined balance. I've been calling the company for two weeks and have spent over 3 hours on the phone with them and no one can explain why my deferred amount has been added to my starting principle. 

Every time the call ends with a supervisor will call you within 24-48 hours and no one calls me. I ask to speak with a supervisor and they tell me they can not transfer me to one.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed an inaccurate and unverified account XXXX XXXX XXXX XXXX XXXX  several times with Experian. After repeatedly providing factual proof that is account is being reported inaccurately, Experian continues to violate the FCRA by reporting inaccurate information. Secondly, Experian has yet to provide any proof of verification upon request after this account was allegedly verified. How can this account be verified as accurate when it is reporting a balance. A charged off account should never show a balance since it has been charged off. The continued deliberate noncompliance of FCRA regulations by Experian has been well documented with each certified dispute. I have carefully recorded each violation that has occurred throughout the dispute process. This account has adversely affected my credit profile and does not accurately reflect the true nature of my responsible credit use. Per the FCRA, I am requesting this inaccurate and unverified account be deleted immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
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 was shocked when I reviewed my credit report and found late payment on the dates below :XX/XX/XXXX30 Days Late in XXXX XX/XX/XXXX30 Days Late in XXXX and XXXXXX/XX/XXXX 30 Days Late in XXXX  XX/XX/XXXX 30 Days Late in XXXX and XXXX XX/XX/XXXX 60 Days Late in XXXX XX/XX/XXXX 60 Days late in XXXX and XXXX XX/XX/XXXX 90 Days late in XXXX  XX/XX/XXXX 90 Days late in XXXX and XXXX XX/XX/XXXX 60 Days Late in XXXX XX/XX/XXXX 60 Days late in XXXX and XXXX XX/XX/XXXX 60 days late in XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me or there are issues with the way they receive my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: Kriya Capital, LLC
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: Old information reappears or never goes away

Complaint:
XXXX & Credence Credence continues to re-age an charged off account and XXXX continues to add it with the new date to my report. I have disputed this 2 times in the past but every 3-4 months they put it back on my report as new. It was just added again on XXXX/XXXX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: REGIONS FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I purchase a car with 2 debit cards one didnt have enough money on one them to complete the transaction and the other made the difference when I Disputed the transaction it did not go through the investigator stated not enough documentation on the second debit card  after I contacted the bank about the amount I wanted to dispute on the transaction 2nd time and I did not have a problem with XXXX  XXXX XXXX they returned the bulk of money owed after investigation {$5600.00} but Regions Bank would not return my money to my account after I disputed it 2 times {$1000.00} they needed more proof the proof is a receipt that I paid and the car was returned to the dealer and I wanted my money refunded back Regions investigator claim not enough documentation so it would not be lot Of documentation because I paid right then and the next day disputed this transaction because of fraudulent practices and charges on my card By this car dealership and the vehicle was not working I dont believe anyone should have your money and what you purchase too violates your right as a consumer also I believe the debit card fee should be fair after return of purchase

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 2021-06-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
the accounts that appear in this list was never authorized to report on my credit, and is hurting me. 

Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : Collection XXXX This is not mine. 
Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 
Identity Theft XXXX Account Number : Collection XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08
Company: U.S. BANCORP
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I signed up for the XXXX XXXX card from US Bank on XX/XX/XXXX. This card came with an offer of XXXX points for spending {$4500.00} within 3 months ; an obvious incentive to spend on the card. On XX/XX/XXXX, I called the company to warn that I was about to make a large ( {$3000.00} ) payment for a car lease, and then placed said charge. A few days later, my account was locked and then closed. This is a bait and switch tactic, as the account was approved and I was incentivized to spend, and then penalized for doing so. I should note that the account is now paid in full.

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 2018-05-08
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2018 my Wellsfargo XXXX card was charged without my permission to purchase four tickets from the XXXX. When I noticed the activity I immediately contacted XXXX and cancelled the flights and I was assured by XXXX that I'll receive a full refund. I also filed a dispute with Wellfargo in order to ensure that I'll be protected. It has been over 2 months now but I never received credit from The XXXX or Wellsfargo. I'm  highly disappointed since I never made the purchase plus I had cancelled the flights after noticing the activity. Total amount charged to my credit card was {$1100.00}. Please help me to get my money back. 

Thank you, 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 monetary relief
Consumer complaint received 2021-11-08
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Received an unsolicited refund XXXX  from Santander Consumer USA in the amount of {$3.00} for overpayment or credit balance on an account for which I am supposedly the owner/consumer. I do not know what account this refers to, if any at all. I do not want to activate the account because it requires a {$3.00} monthly fee for activation and I do not need or want another credit card service accruing fees for which I receive nothing, or at most the actual {$.00} refund. I want my name and account number removed immediately from this company and assurances that this unsolicited account will not impact my credit score. 

I have tried calling both of the customer services phone numbers on the card and accompanying literature and there is no way to discuss the issue with a live person or resolve the issue. 

I am a senior who wishes to make better use of my remaining lifetime than having to deal with phony gimmicks and scams to steal my money, Thank you for any help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: Prime Recovery LLC
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
LOAN THROUGH SIMPLE FAST LOANS THEY WERE SENT CEASE AND DESIST, I HAVE ATTACHED EMAIL. 
ON XXXX XXXX OR BEFORE, MY MOTHER RECEIVED NOT ONE BY TWO TEXT MESSAGES FROM XXXX XXXX THE THIRD PARTY COLLECTION AGENCY FOR SIMPLE FAST LOANS. MY MOTHERS NUMBER XXXX WAS NEVER PROVIDED TO EITHER SIMPLE FAST LOANS OR PRIME RECOVERY. THE HAVE VIOLATED THE CFPB. THEY NEVER HAD PERMISSION TO CONTACT ANYONE OTHER THAN ME. IN FACT THE ORIGINAL CREDITOR WAS SENT A CEASE AND DESIST WHICH HAS NOW ALSO BEEN VIOLATED. THEY ALSO REACHED OUT TO MY SISTER AT XXXX DURING THE MONTH OF XXXX OR XXXX. AT THIS TIME I CALLED THE COMPANY AND ADVISED THEY COULD NOT CONTACT ANYONE BY ME BY PHONE AND ALS ADVISED CEASE AND DESIST HAD BEEN SENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I am having trouble opening bank accounts with XXXX XXXX, XXXX, TD Bank, XXXX XXXX, & other high level banking institutions. This is due to fraud that wasnt done by me. I opened a student account with TD Bank account in the beginning of XX/XX/XXXXXXXX. At the end of XX/XX/XXXX, there was a false check of {$4400.00} placed into my account after I lost my TD Bank card along with the account number & routing number written in an envelope in XXXX, NY. I wasnt employed at the time, so I couldnt have made anything close to that amount. I hadnt realized I lost my information until I got to XXXX. I called customer service to have that TD Bank account closed once I got back from a weeks vacation in XXXX ( XX/XX/XXXX-XX/XX/XXXX) .This account was for building a checking account for tuition. On XX/XX/XXXX, a friend of mine placed 3 false checks into my XXXX account ; each of which totaled to {$900.00}. I didnt know what he was trying to do really. At first, he said it was a favor then it turned into fraud once the checks appeared as false checks. He blocked my phone number & other sources of contact information after that. At last, the account automatically closed near the end of XXXX, XXXX. That XXXX account was opened in my XXXX year of high school in XXXX, XXXX. I was also using that XXXX account as my first funding option for college for food, groceries, school supplies, furniture for my apartment, & gas for my car. All of this has lead to me being unable to open other student accounts since Im trying to get back into school at The University of XXXX. These bank accounts are needed for me to receive funding, especially from family while Im away at school in XXXX. My family resides in various parts of XXXX XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Hello I have included attachment of my id and proof of address, the credit bureaus seems to have improper accounts and information reporting and I am asking that these items be removed. This is a violation of the FCRA XXXX : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX ) THESE ACCOUNTS HAVE NOT BEEN PROPERLY INVESTIGATED AND I HAVE CALLED AND DISPUTED THESE ITEMS BEFORE. 

XXXX : Previous Address ( es ) : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX THESE ACCOUNTS HAVE NOT BEEN PROPERLY INVESTIGATED AND I HAVE CALLED AND DISPUTED THESE ITEMS BEFORE. 

TRANSUNION : Previous Address ( es ) : XXXX XXXX XXXX XXXX, XXXX XXXX, Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Account Number : XXXX THESE ACCOUNTS HAVE NOT BEEN PROPERLY INVESTIGATED AND I HAVE CALLED AND DISPUTED THESE ITEMS BEFORE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I sent in police report and transunion still won't remove inquires please help me. 


XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 explanation