BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Capital One Finance CorporatioXXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX RE : ( XXXX ) ( LAST XXXX XXXX ) - GoodwillAdjustment for missed payment Account Number : XXXX Thank you for taking the time to read this letter. I have been a Capital One customer since XXXX of XXXX and during that time, I have enjoyed my experience greatly. I am writing this letter because I noticed that my most recent credit report contains a late payment reported on XX/XX/XXXX on my CAPITAL ONE BANK USA account. 

I want you to know that I understand my financial obligations, and if it wasnt for me forgetting to update my account with my new card. I would have never missed the payment. I have an excellent repayment record. Since I opened the account with you guys three and a half years ago my record has been spotless. Its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. 

It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payment for the month of XX/XX/XXXX. 

Thank you for your consideration, and I hope youll approve my request. 

Best, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06
Company: Paypal Holdings, Inc
State: IA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Venmo locked my account on Tuesday, XX/XX/XXXX, on suspected fraud ; the account remains locked at 7 attempts to rectify the situation through online support, submitting documents ( driver 's license, etc. ) I am unable to transfer the {$390.00} in my account to pay bills. I counted on this money to pay off charges due. 

The automated system would send a code to unlock my account, however, it was delayed at times by more than 5 hours - the code had expired by the time it arrived via email. 

This highlights the larger problem : the company does not have a phone number for live technical support, review fraud, and activate accounts. The company is unresponsive via live chat. 
My Venmo account is : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-11
Company: TD BANK US HOLDING COMPANY
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 believe that there is identity theft because my credit report shows two closed off accounts that are not mine and I do not recognize them. The first account is from TD bank and there is a written off charge, past due balance of {$23000.00}. The account was opened in XX/XX/XXXX. " The credit line was suspended XX/XX/XXXX- XX/XX/XXXX ''. I have never opened an account with TD bank. The next unknown account is with XXXX XXXX XXXX. The written off charge is {$8200.00}. On XX/XX/XXXX, I called XXXX, filed a dispute, and placed a fraud alert on my account. On XX/XX/XXXX, I called XXXX XXXX XXXX and filed for identity theft and fraud alert. I also called XXXX, again, because the dispute results claimed that both of the unknown accounts were mine. However, they are not. So I filed a dispute again for fraud alert and identify theft. They said that I will receive the results in 30 days or less.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have made several attempts to dispute the presence of accounts on my credit report that do not belong to me. Despite multiple submissions of disputes and FTC Reports, these accounts are still being reported. It is disheartening to see that these companies have chosen not to address the disputes as mandated by the law.

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 2020-03-05
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 is missing that should be on the report

Complaint:
In XX/XX/XXXX, I filed a dispute with Equifax regarding my account with my mortgage company, XXXX/XXXX XXXXXXXX, because the account was not showing my recent payments, when in fact I had made them. At that time, the other credit reporting agencies had accurate information in their credit files for this account. Instead of the update being made to the account, shortly thereafter, my mortgage was completely removed from my Equifax credit file. I received no explanation as to why. 

Several months later when I noticed the difference in my credit scores among the three credit reporting agencies, I realized that the major difference was my missing mortgage account in my Equifax file. When I reached out to Equifax to find out how it could be added back, a representative informed me that it was up to the mortgage company to submit my credit file to them to get the account added back to my file. Following that call, I have emailed and called XXXX/XXXX  XXXX to make this request. This requesting and waiting for an answer went on for well over a year. Last week, I finally reached someone in the escalations department of my mortgage company who informed me that they have been routinely submitting my account information to all three credit reporting agencies on a monthly basis, and that I would need to contact Equifax to find out why the account is not showing up in my file. Tonight ( XX/XX/XXXX ), I just hung up the phone with Equifax, and the conversation ended with the representative telling me that I need to talk to my mortgage company to find out why my account is not showing up. 

I am at my wit 's end with this. No one is helping me and it is unfair to keep sending me back and forth when I have no control over the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06
Company: Atlantic Recovery Solutions LLC
State: CA
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:
I submitted a complaint previously but was the wrong ARS. I was able to track this one down. 

THey refuse to stop contacting me. I told them i was going to report them here and they called me about that. THey keep telling me to get an attorney, telling me they have my social security number. This company threatens with texts. I had to block them they wouldn't stop calling and I have blocked messages from them in my box still with the same threats. I've had enough. I

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: Atlanticus Services Corporation
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
It's a derogatory reporting to my credit report from Aspire Credit Card ; which is causing me hardship.They have sold my credit information to various credit collecting agencies.These agencies have violated me in so many ways. They are sending me letters, texting my phone, and emailing me ; which is a violation of my privacy. I had zero knowledge of this company selling my information. We as consumers are violated every day with these company 's fraudulent practices. These debts are already paid through our XXXX XXXX XXXX The violation becomes over kill, and is a XXXX issue, by reporting derogatory information. This is considered deformation. These corporations want to overly profit adding interest, putting our information on the stock market, and selling our information to other agencies. 

I can send in any documentation as requested. This include emails, text, letters, a call list. 

" The Federal Government took our lawful money out of circulation in 1933 but Congress had to provide the people a remedy. Public Law : " Chap. 48, 48 Stat. 112 '' under HJR 192 is that remedy and in part states that the Federal Government will discharge all of our debts, public and private, dollar for dollar ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-01
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to express my deep concern regarding the unethical practices of XXXX, XXXX and the failure of Experian, XXXX, and XXXX to address fraudulent collections on my credit report. In XXXX, my identity was stolen and several accounts were opened using my information, including a {$25000.00} loan and a credit card with a balance of {$5000.00}. Upon discovering the fraud, I promptly contacted the issuing bank ( XXXX XXXX ) and was assured that the debt would be cleared. 

In XXXX, I began receiving calls and letters from XXXX XXXX demanding payment for this fraudulent debt. Despite providing proof that the debt was not mine, they refused to remove it from my credit report. As a result, I was denied refinancing for my home, student loans for my daughter 's education, and personal credit cards. As a XXXX  of a company, I was also unable to obtain a corporate card or small business loan, despite our company 's earnings of over XXXX XXXX XXXX XXXX 

I have made numerous attempts to dispute the fraudulent collection with XXXX, XXXX, and Experian, but they have failed to take any action to remove it from my credit report. Despite providing evidence of my identity theft, XXXX XXXX has continued to claim that the debt is mine and has refused to remove it from my credit report. I have filed a dispute with each agency nearly every month requesting this be removed and they fail do remove it. 

In XX/XX/XXXX, I hired a lawyer and paid {$3000.00} to resolve this issue, but XXXX XXXX still refuses to cooperate. The credit bureaus should be penalized for not listening to consumers and failing to adequately address fraudulent collections on credit reports. I have lost over {$120000.00} as a result of their inaction, which has prevented me from accessing my home equity and obtaining credit for my personal and business needs. 

I implore the CFPB to investigate the unethical practices of XXXX XXXX and the failure of XXXX, XXXX, and Experian to address fraudulent collections on credit reports. These companies should be held accountable for their actions and penalized accordingly. I hope that the CFPB will take swift action to address this issue and prevent other consumers from experiencing the same financial hardships. 

Thank you for your attention to this matter.

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 2022-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Thank you for reading my request about my accounts. I am writing today because during my quarterly review of my accounts listed on my credit report, I noticed that a number of accounts were charged off with XXXX_Transunion XXXX XXXX XXXX 

I am requesting that these companies please forward me a copy of the 1099-C that was issued by there company when they charged off this debt with the IRS which is required by law for all debts over {$600.00}.

I continuously asked to do so and no one has sent anything. IT looks as if they are looking for a way not to remove this from my report if this was told in error initially it should not be altered to stick on my credit report.

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 2022-02-09
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:
The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. Inquiry listed should be blocked, removed and suppressed for this is fraudulent and inaccurate. Inquiry : XXXX XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30
Company: SYNCHRONY FINANCIAL
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: Account status incorrect

Complaint:
Synchrony Bank/ Care Credit has neglected to close an account that I paid in full on XX/XX/XXXX. They show that a payment has been made in the amount of XXXX but can not verify that it was paid off. On XX/XX/XXXX, I spoke to XXXX, employee number XXXX who accepted this payment and confirmed that my account was paid in full. On XX/XX/XXXX, I spoke with XXXX at desk XXXX after realizing this account was still impacting my credit. She informed me that she could not see this account was paid off and that she would escalate a dispute on my behalf. She could not provide any documentation that this was done. This companys deceptive business practices has proved to be detrimental to my credit score and reporting history, as they are STILL reporting this account to be past due and delinquent. I plan to prosecute this company to the full extent of the law and seek damages if this is not resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. XXXX XXXX XXXX and 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 2023-06-07
Company: MOHELA
State: CA
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:
I asked my loan servicer, Mohela, for payment history information related to student loans the company serviced between XXXX thru XXXX. The loan servicer, Mohela, informed me that their records showed I was in forbearance or deferment status during times when I was actively in repayment status and making payments on my loan. I have 1098-E tax forms from XXXX, XXXX and email confirmation from XXXX and XXXX showing that they auto-debited student loan payments from my account. I have asked them for complete payment history which they have not provided and it appears they have inaccurate records regarding my payment history and repayment status periods with them. This has impacted my ability to obtain loan forgiveness under the Public Service Loan Forgiveness program.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
There is information on my XXXX, XXXX, XXXX and other Credit Reporting Agencies that need to be removed immediately. The Fair Credit Reporting Act states that I have a right to privacy and the only way a consumer report can be furnished is with the consumers written instructions. I never gave any consumer reporting agency any written instructions to furnish my information. Also transactions and experiences between consumer and a person making the report are not supposed to be on my report as well. All of this is FEDERAL LAW, the consumer reporting agencies have violated several of my federally protected rights and I need XXXX XXXX  XXXX, CAPITAL ONE Removed from all of my consumer reports immediately as it is hurting my ability to provide for myself and my family and the consumer reporting agencies are to exercise their grave responsibilities. 

I did not authorize or consent to any transactions as the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
As part of the Public Service Loan Forgiveness Program, I have submitted to my loan servicer multiple payments that meet eligibility that they have not counted. They have denied these multiple times without a reason given. I have gone on to submit an Ombudsmen report via the FederalStudentAid website, however, it is has been over 5 weeks without a response. I have called both FedLoan Servicing and the Ombudsmen 's office multiple times, however, have received no updates or further information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-07
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This debt is being sold from one company to the next. I previously disputed this debt with another debt collection agency. After sending letters to them that this is not my debt they dropped from reporting this on my credit report. 

Now IC System , Inc. apparently has purchased this debt and will not respond to my debt validation letter. I sent a certified letter on XX/XX/2023 and have not heard anything back from them. I want this company to stop reporting on this debt which is negatively impacting my credit and business.

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 2020-04-29
Company: Experian Information Solutions Inc.
State: CA
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:
EXPERIAN IS REPORTING A FRAUDUELNT ACCOUNT FROM XXXX   XXXX XXXX ON MY CREDIT REPORT. I NEED THIS FRAUDULENT ACCOUNT TO BE REMOVED IMMEDIATELY. BETWEEN THE 2 BIG COMPANIES THEY PROBABLY SOLD MY INFORMATION TO THE THIEF. I DONT EVEN KNOW THE ACCOUNT NUMBER FOR THAT FRAUDULENT ACCOUNT, PLEASE REMOVE THE FRAUDULENT XXXX BALANCE ACCOUNT FROM MY CREDIT REPORT. I HAVE NEVER ANY CHARGES OR PAYMENTS TO THAT CLOSED FRAUDULENT ACCOUNT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This financial institution unclearly and inconspicuous disclosed non public personal information to a nonaffiliated third party without my consent this is an defamation of my character this is a violation of my consumer rights under 15USC 6802. 

On XX/XX/2020 Bank of America reported to XXXX XXXX XXXX. 
my banking history under 15USC 1681a my consumer report in which XXXX XXXX XXXX holds, should not include information solely as to transactions or experiences between me and person making the report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: Consumer Portfolio Services, Inc.
State: VA
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:
LITIGATION : I have not been supplied proof per doctrine of estoppel by silence. Engelhardt V. Gravens mo. 281 SW 715,719. I presume no evidence of the Alleged Debt therefore exists

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: Paramount Recovery Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Constantly being called, i have asked for an original copy of the bill that was claimed to be mailed to me back in XX/XX/2021 that i have yet to receive. These medical bills are coming from XXXX XXXX hospital in the amount of {$190.00}, {$360.00}, {$540.00}. the hospital is constantly reselling the debt, as well as having incompetent workers not taking down the correct information for my insurance, as well as charging me for procedures i did not use in the hospital. actions taken by the company is slim to none, this debts have appeared on my credit report all the while still harrassing me and calling Paramount recovery sys- {$540.00}, {$360.00} XXXX XXXX  XXXX- {$190.00}

Company response to consumer: Closed with explanation