BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ME
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 placed an order for Isopropyl Alcohol on XX/XX/2020 through XXXX seller, XXXX  XXXX ( XXXX ). The seller charged {$26.00} for the alcohol plus tax and shipping ( total {$41.00} paid thru XXXX and placed on my Capital One credit card ). It was a gift for my sister who lives in XXXX, VT. I cancelled the order within a few hours because I found I could purchase the same item for {$2.00} at our local drug store and I determined that the seller was price gouging. The seller shipped it anyway. I contacted the seller through XXXX, XXXX and my credit card several times to resolve the issue and have submitted the requested documentation to the credit card company several times. I have documentation to prove that the package was refused by my sister and returned to the Seller through the US Postal Service ( The shipping method he used. ) In conversations with XXXX of Capital One on XX/XX/XXXX at XXXX XXXX. XXXX stated that the seller had a very weak case and there should be no problem in getting the charge reversed and that the seller had promised to reverse the alcohol cost ( {$26.00} ) but not the shipping. XXXX said if I could provide Documentation which showed that the package could be refused, Capital One would reverse the shipping charge also. The seller hasn't refunded the cost of the alcohol and Capital One electronic messages have stated that they need more information and closed the case. Capital One placed the charge back on my credit card on XX/XX/XXXX. 

I have all of the documentation that I can provide electronically

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-17
Company: Convergent Resources, Inc.
State: NC
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, My name is XXXX XXXX XXXX and I'm writing to dispute a fraudulent account on my credit report as a result of identity theft. 
A couple of years back I had someone take out 2 credit cards and a phone plan with my social security number. 
I disuputed these accounts initially roughly 2 years back. All of the fraudulent accounts were investigated and then deleted. 

A couple of months back, it seems that the XXXX phone account has popped back up for whatever reason. 
Since this has not been resolved, I have filed a police report with the XXXX Police Department in XXXX, North Carolina this week. 
The address of the police department is XXXX XXXX XXXX XXXX, XXXX, NC XXXX. 

I'm requesting that this debt be removed immediately from my credit report as it is completely fraudulent. 
If this issue is not resolved and pops back up again in the future, I will proceed with further necessary legal action. 

Amount : {$790.00} Opened : XX/XX/2020 Original creditor : XXXX Current creditor : Convergent Outsourcing

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 2019-10-22
Company: Professional Finance Company, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt does not belong to me it belongs to my brother who has the same last name and same date of birth as well as close to the same Social Security number but one digit different. I want this account removed from all credit bureaus to include XXXX, XXXX XXXX, and XXXX  immediately. I also have received numerous harassing messages in the past related to this debt. I am seeking legal help and in the process of hiring attorney to sue for damages if this account is not resolved immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: Movement Mortgage LLC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been attempting to get my mortgage company movement mortgage to recalculate my escrow using my accurate taxes. I have now three times provided them with documentation from the city/county stating my tax amounts. Currently they are forcing me to pay an extra {$400.00} on my escrow/mortgage bill because they have my taxes wrong. Initially their company asked me to email the proof of tax change to an email address and just wait. I did this and fortunately called to hear that this email address was the wrong location ( 2 weeks later ). I was then asked to submit the documentation through another website. The are refusing to provide any proof of submission. My taxes were approved for my lower rate according to the county as of mid XXXX. This company states that they do not see my taxes being at this rate. I have provided plenty of documentation and called the county who have verified several times that these are my taxes. Meanwhile this company is still requiring me to pay the additional amount monthly for these non existent taxes and will not provide a timeframe as to when they plan to fix this issue. This company needs to fix whatever the miscommunication is as to where to send tax documentation, fix my escrow payment and provide me with a full refund for the > {$1200.00} they currently owe me that I have overpaid on my escrow at this point BEFORE the end of this month and they require me to pay the additional amount again ( leaving me with an overbalance of {$1600.00} )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20
Company: EQUIFAX, 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:
FOR 7 years XXXX has placed an unverified and invalidated charge off account on my credit report & is in violation of Federal Law. The damage has been done to my credit report and it is time for it to come off according to the statues of limitations. PLEASE REMOVE THIS CHARGE OFF ACCOUNT from my credit report because it has caused financial and emotional duress to me and family. XXXX is 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 XXXX  first investigation and subsequent reinvestigation, XXXX  stated in writing that they verified that this charge off account is being reported correctly? Who verified these accounts? XXXX has NOT provided me a copy of ANY original documentation ( a consumer contract with my SIGNATURE on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, XXXX  has failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. .. I HAVE NO CONTRACT AND NO CONTRACTUAL OBLIGATIONS TO XXXX  OR ANY OF THESE NEGATIVE ACCOUNTS! XXXX HAS NO PROOF THAT I OWE THEM MONEY AND MUST REMOVE THIS CHARGE OFF/COLLECTION FROM MY CREDIT REPORT IMMEDIATELY AND PERMANENTLY. The law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following account FROM XXXX BE REMOVED! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
When making an additional payment online for my principal Quicken loans took another additional regular payment out of my bank for {$2000.00}. My mortgage is up to date and there was no need for an additional payment. It has caused charges against my bank account and they refused to pay. XXXX XXXX was the " executive Customer Service Agent ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: Mr. Cooper Group Inc.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have had insurance coverage on the mortgaged property outside of escrow since XX/XX/XXXX with no lapse in coverage. The coverage amount is {$50000.00} with a {$5000.00} deductible. 

XX/XX/XXXX I received a letter from Mr. Cooper stating I was to be receiving forced placed insurance. I had insurance through my agent outside of escrow and the insurance documents had been uploaded to their server. The system they use to apply forced placed insurance is tailored to benefit the application of forced placed insurance and put the burden of proof onto the customer. 

In XXXX of XXXX I received a letter from Mr. Cooper stating my maximum deductible needs to be 5 %. I have asked for this guideline to be proven in writing from our original contract. I asked in an internal message system on XX/XX/XXXX, and twice on XX/XX/XXXX. I have yet to receive anything in writing proving this guideline. It does not exist. Therefore, this company is enforcing higher insurance cost onto their customers through arbitrary means. 

In a phone conversation XX/XX/XXXX Mr. Cooper called me to talk about the insurance deductible of 5 %. The agent had no written proof and said it's the system that generates the infraction and there's nothing they can do about it. The system is created by Mr. Cooper or affiliates therefore there is everything they can do about it. It comes down to arbitrary application of guidelines which cost the customer more money and benefit Mr. Cooper and it's affiliates. 

Also Mr. Cooper 's practice of arbitrary actions cost me time in having to deal with their actions. Additionally I have to pay for items placed on my account for fear of being reported to credit agencies for default payment. 

Thank you for your time in review. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Equifax is reporting a medical collection on my report that does not belong to me. I do not know where this account came from and there is no creditor listed on the account. This inaccurate reporting is causing me significant harm and needs to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17
Company: LendUp Loans LLC
State: TN
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 had a loan with XXXX and paid it in full on XX/XX/2018. It is still on my credit report as owing a balance and late. I need it to show as Paid off with a {$0.00} balance. I am trying to fix and build my credit and this is harming me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-05
Company: DISCOVER BANK
State: IN
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:
Around XXXX of Last year. I noticed some fraudulent activities on my cards after realizing that my wallet was missing. I promptly called and reported said activities to Discover Credit Card company. My cards, all from Discover, were used to buy in different shops for an excruciating amount totaling {$1100.00}. The purchases were as followed : {$110.00} from XXXX NY XXXX, XXXX from XXXX XXXX  XXXX, XXXX from Everything But XXXX, XXXX from XXXX, XXXX from XXXX XXXX, XXXX from XXXX again, XXXX from XXXX. The credit card company, Discover failed to send me any resolution, after several calls and check-ups they finally sent me a resolution letter in which they stated that the purchases were not fraudulent. I called and demanded that they further the investigation and provided them with the police case number in which I declared my wallet stolen and reported the unauthorized card used/fraud that had taken place so they can have access to looking at XXXX footage of those stores and further their investigation. Until this date XX/XX/2021, I have not heard back from Discover nor received anything to inform me of the investigation. However, they put all the fraudulent charges back in my account and have been charging me interest because of them ever since. I have done all that was required from me yet I am being financially imprisoned and my credit score is being held hostage and is hurting because Discover 's investigation team, although with all the necessary tools to have a real investigation, have not done their due diligence to resolve the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
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: Received unsolicited financial product or insurance offers after opting out

Complaint:
I opted- out form receiving offers, the sale/resale and requested the suppression of any information pertaining to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNT 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL ACCOUNTS 6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my 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 2020-03-26
Company: National Credit Adjusters, LLC
State: MS
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
My social security number has appeared on the dark web. I was notified by XXXX  my social security number was part of the data breach. My account was hacked and money was transferred and stolen. I did not receive any money and did not apply for any loan. I have filled out a police report and sent several to all parties involved yet my name appears on National Credit Adjusters file and appears on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17
Company: Southwest Credit Systems, L.P.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
SOUTHWEST CREDIT SYSTEMS IS REPORTING NEGATIVE AND FALSE INFORMATION ON MY CREDIT REPORT! REMOVE THESE ITEMS FROM MY CREDIT REPORT IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09
Company: FIRST NATIONAL BANK OF OMAHA
State: MA
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 was sent a pre-approved offer for an XXXX XXXXXXXX XXXX XXXX credit card on XXXX as an XXXX XXXX member at XXXX XXXX through Omaha FNB. This was a pre-approved offer NOT AN INVITE TO APPLY. I put in an application for the card with the understanding that ONLY A SOFT PULL would be done on my credit, however, this bank did a hard pull the was put on my credit with XXXX without my authorization. I DID NOT AUTHORIZE THIS COMPANY TO PULL MY CREDIT. ONLY A SOFT PULL After that I was denied this card after being pre-approved, and I never received a follow-up letter as to why i was denied. I attempted many times to talk to FNB Omaha to remove this hard pull from my credit, however, I was treated very rudely, and no one bothered to help with the situation. This company has misrepresented facts, lied, been very rude, insulting, disrespectful, unprofessional and helped in no way shape or form. This company NEVER informed me as to why I was denied this PRE APPROVED card offer and have lied as to sending me any formal letter. Again, this company DID NOT have my authorization to do a hard pull of my credit report but did so anyway. After searching online after the fact, I come to find out that this bank is KNOWN FOR THIS TYPE OF THING. In addition, since this drama began, Ive had no difficulties being approved for other cards. This company needs to show me in writing where I authorized them to pull my credit or take the hard inquiry OFF my XXXX 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 2021-08-17
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections in my report. The late history should not be showing late because I think I paid on time. Please take your time to review this charge off account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
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: Was not notified of investigation status or results

Complaint:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2021-08-17
Company: AES/PHEAA
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: Investigation took more than 30 days

Complaint:
I have filled dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: The CMI Group, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a notice that my account with XXXX XXXX, XXXX. had been turned over to Credit Management L.P. for collection. I have no business with XXXX XXXXXXXX XXXX and a XXXX search showed a long list of people who have been victims of fraudulent debt collection by XXXX XXXX, XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief