BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-16
Company: EQUIFAX, 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 have been going back and forth with Equifax for over 2 months now. I have mailed them my Police Report, my FTC Identity Theft Report and my identifying documents as they requested. I have called and submitted disputes on. XX/XX/20, XX/XX/20 and today XX/XX/20. I was finally able to get some results on XX/XX/20 they deleted 3 of the fraudulent inquiries from my credit report but there are still 8 fraudulent inquiries currently being reported. This is a violation of the Fair Credit Reporting Act Sections 605B, 615 ( F ), 623 ( A ) ( 6 ). I want these inquiries removed immediately this has been completely frustrating dealing with this credit bureau and this has stopped me from getting approved for a mortgage and stopping me and my family from purchasing our home which is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: Freedom Mortgage Company
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have an FHA mortgage with freedom mortgage corpXXXX My balance is {$200000.00}. I bought it for {$270000.00} on XX/XX/21 and is now worth {$300000.00} I put down over {$85000.00}. 

With almost {$100000.00} ( 1/3rd equity ) why wont they stop charging me XXXX XXXX month for PMI Mortgage Insurance?

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 2022-10-05
Company: Continental Services Group, Inc. d/b/a ConServe
State: FL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I asked to request for the alleged debt on XX/XX/2022, its been over a month and I still haven't received anything from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
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 of the accounts listed below. 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 accounts listed below.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06
Company: CITIBANK, N.A.
State: NY
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/13 MY SEARS CREDIT CARD ACCOUNT WAS CHARGED FOR XXXX FROM A XXXX XXXX AND I HAVE NO IDEA WHO THEY ARE AND NEVER DID BUSINESS WITH THIS COMPANY. I CALLED SEARS CREDIT CARD BACK WHEN CHARGE SHOWED ON MY STATEMENT AND REPORTED IT AS FRAUD AND THEY DID NOTHING FOR ME SO I AM NOW FILING A COMPLAINT WITH YOU AGAINST SEARS CREDIT CARD MASTER CARD. PLEASE HELP ME GET MY MONEY BACK THAT THIS COMPANY STOLE FROM MY ACCOUNT WITHOUT AUTHORIZATION. I AM A SENIOR CITIZEN AND LIVE ON A FIXED INCOME THIS IS SENIOR ABUSE

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 2016-12-21
Company: TRANSWORLD SYSTEMS INC
State: AZ
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
My husband has a private student loan he obtained before our marriage ( I was a minor ). He was delinquent, and in talk for a payment plan with them, when a judgement was filed against the both of us. I am attaching paperwork we signed showing that this judgement was to only be against him. Despite this, I have a judgement listed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a loan with CAPITAL ONE BANK USA. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX XXXX, XXXX and CAPITAL ONE BANK USA with no successful resolution. All 3 bureaus are reporting me late. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
Company: DISCOVER BANK
State: FL
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:
Spoke to representative XXXX on XX/XX/XXXX regarding my Discover Miles card. Was told the card was scheduled for closure. I've been with Discover since XX/XX/XXXX, never missed a payment. I recently replaced my card and was told that was the reason for the closure. This is an absolute lie. The only reason is because Discover does NOT want to pay out on the rewards I've accumulated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-03
Company: Credit Card Acquisitions Group
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company started by texting me and family members saying they were with XX/XX/XXXX When I called they claimed to have a " case '' against me for a very old payday loan that was settled years ago. I never received anything in writing but they are now threatening and harrasing claiming that they will garnish wages and take me to court. 
Claiming I owe over {$5000.00} This started XX/XX/XXXX They are claiming to have received my debt/account in XX/XX/XXXX I contacted original creditor to verify they did not sell it to this company and I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
I started to realize that my principle wasnt coming down on the original loan. After discussing with an agent i was informed that i had only been paying the interest on the loan and it was accuring at {$8.00} a day which further made me realize that I will never beable to pay off the loan at this rate. They werent willing to adjust the interest accurring..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: TransferWise Ltd
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
On XXXX XX/XX/2020 my sender from XXXX transferred XXXX Euros to my bank account in XXXX. 

Unfortunately she missed one digit of of my bank account. We have tried to ask Transferwise yo bounce back the money to her but till today over three weeks nothing yet. 

We feel so frustrated by transferwise bearing in mind the sender is a bit aged and tired to keep following. 

It is illegal for them to keep that money for all that time. Kindly help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I attempted to close this account back in XXXX, XXXX. Capital One failed to do this and indicated they would waive the Membership fee for the card. They proceeded to charge the fee and assess a late fee. I called again, they claimed to have fixed it. 
Again, the following month they charged another late fee ( 2nd time late fee ) I proceeded to explain, I have been attempting to close out this account as I don't want to pay yearly membership fees since I have NOT used this credit card since XXXX. I did not need this card or the yearly fee assessed. They proceeded to report me late for a 30 day late payment. I called again, they now proceeded to reverse the charges of the late fees, still did not close out the account but will not remove the late fee for the 30 days. I do not want this card, I don't want to deal with this yearly call. after several calls, they finally closed out this card today XXXX - almost five months later. I need them to reverse a late reporting, I did not want this card, have not used this card in 5 years. They said they can not do that and that all they can do is report a XXXX balance. Nevertheless, they have refunded my late fees, cause they understood I did not pay late. I need this corrected, it has adversely affected my score and my ability to refinance my home. My account is finally closed but my credit remains affected because of their lack of diligence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-23
Company: BHFC Financial Services INC
State: AZ
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:
BHFC FINCL SRVS is knowing reporting inaccurate information on my credit report. XXXX is allowing them to do it.

1. {$0.00} Balance this account is settled and should not even be on m credit report, The balance that the company is reporting is {$0.00} -However in the comments company reports their is a balance.

2. Date Opened is Inaccurate 3. Date of Last Activity is Inaccurate - Company is reporting Date of Last Activity : XX/XX/17 - Company is reporting last payment : XX/XX/17 -Company is reporting in payment History last payment : XX/XX/17 4. Company is reporting Repossession - I never received Notice of Right of Redemption - I never received Notice of Right of Reinstatement - I never received Notice of Default - I never received Notice of Sale - I never received Notice of Deficiency Balance Please remove this in accurate item off my report immediately 5. XXXX keep allowing this company to report inaccurate information on my credit report.

6. Attached is a copy of this item on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01
Company: JPMORGAN CHASE & CO.
State: DC
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:
Purchase was made with XXXX XXXX which was not to suppose to charge my Chase Card nor Chase was suppose to charge me. This matter was well discussed and was going on months and months just to frustrate and not resolve by the facts and merits. I have a number of dispute with chase and they are very wrongful people they know it well as I know them well know, it is just out of way in the business due to the relation with these people. I will discuss in particulars of the matter when you get through and I I hear from you in particulars in written form that will be subject to discussion. Looking forward to hear in this respect. Sincerely.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: Sequium Asset Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
To whom it may concern. 
I noticed a collection on my account and disputed it thinking nothing much of it. It was gone but now I am getting collection like every week on all three credit bureaus. I never had XX/XX/XXXXor XX/XX/XXXX. I am tired of this. They say I oweXX/XX/XXXXXXXX. With all collection total probably like XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: VALLEY NATIONAL BANCORP
State: NJ
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:
I went to pay my monthly Valley Bank credit card statement but the nearest branch was closed as were others further away. So I mailed the check to the nearest branch but it was not received on time because the branch was closed without my knowledge because of the coronavirus. I complained to the CFPB and Valley Bank cancelled the late fee. 

But then I received a notice for XXXX XXXX that manages Valley Bank accounts that my credit limit was being lowered because of this late payment which, to repeat, was late because the bank branch in question was closed without my knowledge because of the coronavirus! 

Not fair to do this!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 
1.XXXX XXXX XXXX 2.XXXX XXXX 3.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 2021-03-03
Company: TRANSWORLD SYSTEMS INC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I stayed at XXXX XXXX for an internship program in Florida. I left the apartment complex three years ago, around XXXX after being there for 6 months. I had roommates and they were the ones left there after I have vacated halfway early than our lease term of 12 months. That being said, I did not get any of my deposit back. A year after, they sent me a debt collection notice, an amount of which I do not remember anymore. I moved then from XXXX to XXXX XXXX and I was appalled as to how they have managed to involve me in this matter. Although I left earlier than everyone, I decided to get it over it. And I gave them a portion of the amount through Post Office 's Money Order and sent them a letter stating the rest to be filled by my former roommates, if there is any more problems to come, talk to them since I am not the only one in the lease agreement. I have not heard anything else after then. But recently, Debt Collectors under the name of Transworld Systems Inc. kept sending me attempts to collect payments from me for them once again, when I do not have any liabilities on this apartment. And the amount stated is {$730.00} I am not comfortable with this situation and I feel harassed and cash cowed already. They have sent me a couple of letters already and I do not feel safe since they managed to track me on my new apartment, on a new city and state over an issue that happened 3 years ago and does not involve me anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: CORELOGIC INC
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:
I recently checked my credit report and notice unauthorized inquiries from XXXX XXXX XXXX XXXX and credco. I recently applied for a credit card with XXXX XXXX and got approved but I didnt apply for an auto loan or go to any dealer so Im sure this is fraud activity. I called the company and they said they would get back to me in 24 hours and its been 3 days. I want these inquiries removed from my report ASAP.

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 2020-11-17
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
I DISPUTED THE CREDIT ISSUE BELOW IN XX/XX/XXXX. EXPERIAN DID NOT FIX THE ISSUE AND CLOSED THE INVESTIGATION. XXXX IS THE CREDIT CARD IN WHICH I HAD A SECURED {$200.00} Security deposit that was NOT RETURNED TO ME WHEN I FILED BANKRUPTCY, they kept my money and reported me as bad debt. THERE IS NO PROOF OF ANY CASHED CHECK THAT XXXX HAS SENT ME. PLEASE REMOVE FROM MY CREDIT, REPORT CARD WAS PAID! I ONLY OWED {$24.00} in which I would like waived for inconvenience. 

XXXX XXXX XXXX Account Number XXXX Account Type Secured Card Responsibility Individual Date Opened 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
Consumer complaint received 2018-03-07
Company: Perfection Collection
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I obtained a copy of my XXXX credit report and noticed for the first time that " Perfection Collections '' had reported a delinquent collection account on behalf of XXXX  since XX/XX/XXXX. My XXXX account has at all times been current. I contacted XXXX  the same day, who indicated my account was not in collections. On XX/XX/XXXX, I contacted XXXX at Perfection collections via e-mail and phone ( XXXX ) who said the debt was from XXXX  and XXXX tried to tell me XXXX opened a new account for me and this was for a different account at the same address. My XXXX   account has never changed. On XX/XX/XXXX, I contacted XXXX collections department. XXXX did an investigation. OnXX/XX/XXXXXXXX called me and said " XXXX  NEVER placed my account in collections and further that Perfection Collections is NOT among the debt collection agencies used by XXXX  ''. XXXX  then contacted Perfection Collections to resolve the issue, but kept getting the Perfection Collections voicemail.

To date, I have never received any written notice of debt or even a phone call from Perfection collections. I would never have known without my credit report. My score has dropped by over 80 points because of this erroneous debt being reported by Perfection Collections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I FILE CHAPTER XXXX BANKRUPTCY ON JXX/XX/XXXX AND THIS ACCOUNT CAPITAL ONE AUTO FINANCE WAS INCLUDED AND DISCHARGE IN MY CHAPTER XXXX BANKRUPTCY IN XX/XX/XXXX DOCKET NUMBER XXXX. CAPITAL ONE AUTO FINANCE NEVER WENT BACK IN AND INCLUDED MY PAYMENT HISTORY IN MY BANKRUPTCY DISCHARGE. I WAS INFORMED BY XXXX   THAT THE CREDITOR NEVER UPDATED MY CREDIT REPORT. SINCE THIS ACCOUNT WAS DISCHARGE UNDER MY BANKRUPTCY MY PAYMENT HISTORY SHOULD NOT BE SHOWING ON MY CREDIT REPORT. SECOND I MADE A PAYMENT ON THIS DISCHARGE ACCOUNT FOR THE MONTH OF XX/XX/XXXX AND XX/XX/XXXX IT SHOWS A 30 DAYS LATENESS FOR XX/XX/XXXX. THERE SHOULD NO CHARGE OFF REPORTING ON THIS ACCOUNT AS I STATED BEFORE ANY PAYMENT NEGATIVE PAYMENT HISTORY IS DISCHARGE UNDER MY BANKRUPTCY

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-04
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I obtained my experiian credit report there were US Bankruptcy Court items listed on my credit report as per the FCRA 623 ( a ) ( 5 ) if the credit bureau can not validate the information with the original creditor they must remove the said information Experian has failed to provide me the the requested information indicating a Fair Credit Reporting Act Violation. I need all the Bankruptcy information currently showing under my social security number permanently deleted from my credit report immediately my enquirers to the US Bankruptcy Court confirmed Experian credit bureau never validated or verified these public records 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 2020-08-26
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
LexisNexis is refusing to comply with the law. I requested " the procedure used to determine the accuracy and completeness '' as to how the bankruptcy information got on my report. LexisNexis is improperly, inaccurately, and incompletely verifying information on my report and the bankruptcy. This report is provided by SELLING MY INFORMATION to the 3 credit bureaus ( XXXX XXXX XXXX ) who are also directly using LexisNexis ( a third party system ) to verify the accuracy of the bankruptcy that are on all three of my credit reports. Therefore, I have a right to know how LexisNexis is claiming they are AGAIN using a third party system ( XXXX  ) to verify a bankruptcy on my report. They are also claiming the address on this third party system ( XXXX  ) reflects an address of XXXX XXXX XXXX XXXX, XXXX, TX XXXX, which LexisNexis also obtained from this third party system. However, NONE of the 3 credit bureaus ( XXXX XXXX XXXX ) show that address on my report. Therefore, under the FCRA, LexisNexis is inaccurately, incompetently, and lackadaisically verifying information through third parties when they must go to the original furnisher of that bankruptcy. XXXX  is not. The Court is the original provider and they do not furnish this information.

Company response to consumer: Closed with explanation