BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I placed an online order with Kohls.com on XX/XX/2021. Order was not rec 'd by XX/XX/XXXX so I called Kohl 's to track it. Was informed that package was lost and order could not be replaced as items were out of stock. Was promised a full refund that day. This did not happen. I have subsequently called Kohl 's every week regarding my credit and have been promised multiple times ( with reference numbers ) that credit has been applied. This has not happened. As of today I have spoken to 28 different customer service people at Kohl 's who have all promised me that credit has been applied to my account. This has not happened. Instead I have been sent to collection 3 times for a bill I don't owe. They have apologized for their error and removed collection fees and interest each time while also promising that the credit was done and I had a XXXX balance. Unfortunately they don't do what they promised. I am at my wit 's end and don't where to turn. What they are doing is against the law and I would like something done about it asap. 
I have never been late on a bill in my life so this is extremely disturbing to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: Shellpoint Partners, LLC
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 information incorrect

Complaint:
Shellpoint Mortgage Servicing is servicing my home mortgage account. I was in a forebearance plan from XX/XX/XXXX, until XX/XX/XXXX due to covid. My forebearance plan was set to end on XX/XX/XXXX, and I reached out to end the forebearance prior to XX/XX/XXXX. They offered to set me up with a Standalone partial claim and sent me a letter ( attached ) stating that my next payment was not due until XX/XX/XXXX if I accepted. I returned the executed agreement to them by XX/XX/XXXX per the agreement. Recently, I checked my credit and it had dropped by almost 100 points. I immediately reached out to Shellpoint and submitted an internal complaint. I received the letter dated XX/XX/XXXX that contradicted the standalone agreement that I had executed with them that clearly states when the next payment is due. I tried to contact the company again and explain and they gave me a generic email to send my issue to but that went unanswered. I was not able to speak with a supervisor, manager, or even somebody in the department that would handle this issue. I am hoping this avenue may work better.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06
Company: Commonwealth Financial Systems, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have never received anything prior to a collection showing up on my credit report. The law states that consumer should be notified 30 days prior to listing anything on credit profile. This company is stating they are collecting on behalf or XXXX XXXX I have no contract signed with XXXX or XXXX XXXX. Per the HIPAA Law it protects my personal health information from being released to anyone not listed. This is reporting and has impacted my credit negatively. If this issue can not be resolved, I will exercise my rights under FCRA and sue for any damage this has cause me in obtaining credit and will contact XXXX XXXX for XXXX XXXX whom is responsible for enforcing the Privacy and Security Rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06
Company: Admin Recovery, LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
Admin recovery , LLC called me today XXXX/XXXX/XXXX at XXXX. I blocked the number because I have spoken with someone from this company in the past and asked them to stop calling me. Someone named XXXX then called my husband 's cell phone at XXXX XXXX and told him that they were a debt collector and needed me to call and left his phone number XXXX XXXX XXXX. My husband texted me the information and I called the number back. The guy was very rude when I told him that I was on the do not call list. He asked for my last 4 social numbers and I provided it to him and then he started yelling at me. I told him it was illegal to call my husband who is not a joint owner of any debt of mine. We got into a shouting match and I told him to remove both my and my husband 's number from his registry. He said it was not illegal and that he would keep calling until the debt was resolved. I hung up in his face after that. I think it is illegal for this company to be calling anyone besides me about my debt. They ca n't call my husband or my family and I want this to stop, hence the complaint.

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 2021-10-19
Company: Nelnet, Inc.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
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:
How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't XXXX  student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response. I feel like Im being taken advantage of and being ignored by my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 data gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be delayed promptly. I de an these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and May have gotten into the hands of the wrong person.

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 2022-03-08
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: Was not notified of investigation status or results

Complaint:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
I am maintaining a careful record of my communications with you for the purpose of filing acomplaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX you may be liable for your willful non-compliance.

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-08-12
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:
Please verify the following account below. Please update my credit report to show verification of this account which is reported incorrectly on XXXX and Equifax, I have never incurred debt with these creditor, I did not made or authorized it. If this account can not be verified, please delete the account. I will be sending a letter by mail disputing the account to make sure is received and addressed. 

Date Account Opened Date Reported Date Of Last Activity Date Of Status Status Of Account Balance On Account XXXX XXXX - XXXX Open XX/XX/2021 XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26
Company: Bayside Capital Services, LLC
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This company called me and my x husband using skip tracing tools. A third party can not be called without them being listed as a reference and when I told them I didnt recognize the debt, they threatened to have me garnished even after I asked for information to prove the loan. They said I only had 24 hours to settled the debt, but how I settled debt Im not familiar with. The company threaded me that I Better not call again, and marked me as refusal to pay even though I didnt know what debt they spoke of. The manager XXXX spoke over me and refused to talk to me like a human.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Chase is reporting to only XXXX that I have 120 day lates from XXXX to XXXX and the date of last activity and account closing was in factXX/XX/XXXX and should n't even be reporting anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: SYNCHRONY FINANCIAL
State: PA
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 XX/XX/XXXX, I purchased airline tickets on XXXX XXXX XXXX ( XXXX ) ( XXXX, XXXX to XXXX XXXXXXXX, XXXX, round trip ) through XXXX and charged {$4200.00} to my credit card. This amount was paid in full on XX/XX/XXXX. 
On XX/XX/XXXX, I received an email from XXXX telling me our flight was cancelled due to Covid-19. The email provided a link to use to apply for a refund of our tickets price. I completed and submitted the refund request on XX/XX/XXXX. 
On XX/XX/XXXX, I received an email from XXXX telling me I must request my refund from the issuing travel agent. The travel agent has refused to provide any refund or assist us in any way. 
On XX/XX/XXXX, I filed a complaint with Synchrony Bank telling them the airline cancelled the flight and the airline and travel agent both refused to issue a refund for our purchase price. The bank issued a temporary credit to my account in the amount of {$4200.00}. 
On XX/XX/XXXX, the bank reversed the temporary credit to my account based on proof from the travel agent that we purchased the tickets using the credit card. Please note that this was not the reason for the dispute. The bank has completely disregarded the reason for the dispute : the fact that the airline cancelled the flight and no refund was provided. We are asking the bank remove the charge from my account and correct all negative credit reported regarding this transaction to all three credit bureaus, as this is having a negative effect on my credit report. 
Because of this issue, I have closed the credit card account without paying the amount charge by the bank. They have provided negative information to the credit bureaus ever since. 
I ask that the CFPB help me successfully resolve this dispute. The credit card company should not be able to charge me for something I never received, even if I did originally authorize the charge.

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 2021-10-19
Company: Experian Information Solutions Inc.
State: NY
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:
On the date of XX/XX/XXXX I contacted XXXX about the unverifiable accounts addresses and inquires pertaining to invalid and unauthorized information being reported by information being reported on my credit report. it has been over 30days since I have submitted my dispute and I have heard or seen any progress in an investigation

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 2017-11-06
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My credit report from Equifax shows an inquiry from XXXX XXXX. It is reflecting a high credit card utilization against my credit, which is not true. 

According to my report from XXXX XXXX : The last report was on XXXX XXXX, XXXX, for the amount of {$49000.00} Opened on XXXX XXXX, XXXX Last payment : XXXX XXXX, XXXX. I did not make payments on that date to XXXX or anyone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06
Company: Diversified Consultants, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
After reviewing my credit profile on XX/XX/2019 I identified a discrepancy with account listed under Diversified Consultants. I requested a validation on XX/XX/2019 as this was an account that had already been paid. I reviewed my credit report again on XX/XX/2019 and account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me. Therefore on XX/XX/2019 I sent a 2nd validation letter. Credit report was reviewed again on XXXXand still there were no updates to reflect that account was being disputed and no validation was received. I do not believe this account is valid and correct nor that the creditor has authorization to attempt to collect on this account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that this account belongs to me and all information is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A company by the name of ERC have a attached and erroneous debt to my SSn And name. I requested a validation of debt in which they never provided. This is why the account was removed from my XXXX XXXX and XXXX report. I am on sure as to why XXXX made a decision not to remove the false account .According to the Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ) companies are required by Federal Law to verify-through the physical verification of the original signed certified consumer contract of any and all accounts request to be posted and/or reported on a credit report. A copy of the verifiable, validated proof ( an original Consumer Contract with Wet Ink Signature on it, copies of copies are not Validation and by Law are not considered proof ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: EQUIFAX, INC.
State: MD
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 two accounts with XXXX XXXX XXXX XXXX XXXX. Both accounts start with the account number XXXX. One had a high credit of {$100.00} and the other has an existing balance of {$370.00}. 

I submitted a dispute to have the {$100.00} high credit account updated to " included in my bankruptcy ''. The XXXX account with the {$370.00} was NOT included in my bankruptcy. I disputed that one to get the " affected by natural disaster '' updated for my late payments in 2020. The bureau didn't get anything right. 

They did not put the bankruptcy notice on the {$100.00} high credit account and they DID put the bankruptcy notice on the {$370.00} balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX my home was sold and the loan paid off. 

I have repeatedly contacted XXXX XXXX, XXXX. and requested they refund my escrow balance. In addition to XXXX calls made to them, I have emailed them the request on their website to no avail. 

I have always had issue with them in managing of my escrow since the date my loan was transferred to them in XXXX. It even included a situation of my homeowners insurance being cancelled for non-payment although they clearly had the funds in escrow. 

I am in process of purchasing another home and need my funds refunded now. It has been XXXX  days and not a word from them.

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 2021-10-19
Company: Rent Recovery Solutions
State: AK
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Second complaint - the company 'answered " the first complain but didn't answer anything. 

# 1. I called again to reach someone - failed. I called again and got someone they transferred me to someone else and it got nowhere. I am TRYING to resolve this but they won't let me. It's just a continuous phone ring that never leads to anywhere. I left another voicemail. 

# 2 Again, I never got the message that this was going to collections- and you guys just moved it to collections without notifying me. I didn't even know that I had outstanding balance. 

# 3 Prove to me that I am responsible for the alleged claims. They have failed to do so. I don't need to see " repair bill this amount '' I need to see specified itemized list of precisely what happened. This is my reasonable request. Please prove to me that I caused the damage and exactly what.

# 4 company replied to my previous complaint by saying " contact us '' I DID. I am not getting anywhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28
Company: HYUNDAI CAPITAL AMERICA
State: VA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem when attempting to purchase vehicle at the end of the lease

Complaint:
When looking for financing to buyout my vehicle at the end of the lease, I relied on the buyout quote from XXXX XXXX XXXX XXXX website that said that the buyout amount quoted " includes any sales tax ( if applicable ). '' I understood that to mean that any sales tax would be included in the buyout amount. In talking with the dealership from whom I purchased the vehicle, they confirmed my understanding In finalizing my financing, however, I learned that what was stated on the buyout quote is wrong, and that I would need to contact the XXXX XXXX. When I called a manager at XXXX XXXX XXXX to discuss the problem and how as a consumer, the language was not clear, I was told " too bad... we do n't want your advice ''. Now, with less than two weeks left, I have to redo all of my financing because I had not anticipated any sales tax in my budgeting.

Company response to consumer: Closed with explanation