BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
My checking ( and savings ) account is with CapitalOne 360. 
For the THIRD time my payments have been stopped, cancelled or rejected. Each time, I am fined, by the other end ( the company I made a payment to ), in this case it is XXXX, my electric company and my landlord or management company ( where I live! ). The last time this happened it was my student loans and also my rent payment. In ALL of these scenarios, there was in excess of $ XXXX in my account, so this is NOT an issue of lack of funds. 
In each instance, I used my account number and routing number to make these payments -- NOT a check and NOT my debit card. 

In each instance, I contacted CapitalOne 360 ( these calls are all recorded ). I was provided with a case number by the customer service rep I spoke to and then told to submit an email to the " customer relations '' department. 

In each instance, I did as I was told and submitted an email describing the situation and the fees I incurred. To date, I have received no follow up email, no reply and no assistance. 

Additionally, I was told back at the end XXXX that the issue with using my " ACH '' for payments was resolved and that I would not have problems going forwards making payments. That was false. Instead I have repeatedly experienced payments -- of a very serious nature, including my rent checks -- being returned for NO reason other than bank error. 

This has caused me great distress and numberous fees. The last time, XX/XX/XXXX, I had to spent my day physically going into a CapitalOne location and purchasing a " Certified bank check '' ( which cost me additional money, at {$10.00} PER check ) and then take that check to the management. This has been costly and time consuming and stressful! And it is no fault of mine! 

To date, no reply email with the most recent case number, has been received, nothing is ever done to correct or repair or repay me for the situation that thru no fault of mine, I find myself in. The bank refused to put anything in writing, and declines to assist me in any way other than giving me a " case number ''. And that leads me nowhere ... 

Please contact me for additional information, bank accounts, screenshots from both mobile and desktop supporting my experiences and dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: JPMORGAN CHASE & CO.
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: Public record information inaccurate

Complaint:
Hello, In XXXX I filed chapter XXXX b.k. with my spouse. My primary home loan and house was with JP Morgan Chase. From XXXX forward Chase did not report any activity on my account. In XXXX of XXXX Chase sold my mortgage to another lender. When that happened I was getting flashes from XXXX XXXX, XXXX XXXX, and other credit agencies that I had a fresh new bankruptcy. The only b.k. I had was in XXXX XXXX. I went into the branch of Chase here in XXXX. The manager had me talk with the mortgage department via telephone. The person on the other end stated they marked my account twice. Once as closing it. Once as stating it was part of a bankruptcy. Chase refused to change their two remarks regarding the sale of the mortgage. I complained to XXXX XXXX via a letter and never heard back from them. It has been close to 60 days since that written complaint. It seems as though assets and accounts in bk are to be reported once. As part of the bk. Not as a fresh bk which drove my credit score down by over 30 points on XXXX XXXX. It is false information which no one will take responsibility for. I would appreciate any help you can provide. 
Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: JPMORGAN CHASE & CO.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I tried calling today and got transferred in circles again by rude unhelpful phone representatives. So please answer in writing and note the payment was sent today XXXX. 

I made a payment in person today XX/XX/XXXX with cash at the XXXX, Maryland Chase XXXX. Has this been received? There should not be any late fees. Please answer this directly in writing. Please also provide a copy of the payment history showing this and a current written payoff letter. Attached is the receipt from todays payment. It was for a XXXX chrysler XXXX XXXX. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: Experian Information Solutions Inc.
State: GA
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

I have never shopped or did business with this company, XXXX. I have never had an account with 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 2018-11-14
Company: SYNCHRONY FINANCIAL
State: WI
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: Overcharged for something you did purchase with the card

Complaint:
I GOT A 'CARECREDIT ' CARD WITH MY DAD AS CO-SIGNER SEVERAL YRS AGO & THE XXXX  I USED IT AT DID HARDLY ANY WORK ON MY XXXX  BUT HE TOTALLY MAXXED OUT THE CARD WITH CHARGES FROM WORK I NEVER GOT DONE & NOW I OWE OVER TWICE WHAT WAS THE ORIGINAL CREDIT LIMIT. I TRIED CONTACTING THEM ON SEVERAL OCCASIONS BUT TO NO AVAIL. I JUST WANT THIS DONE & OVER WITH CUZ I HAVE HUNDREDS OF THOUSANDS OF DOLLARS IN TRUE & REAL MEDICAL BILLS DUE TO MY XXXX, MY DAUGHTERS XXXX & HUSBANDS XXXX & THIS ONE NEEDS TO GO CUZ THE COMPANY & COLLECTION AGENCY THEY USE R RUDE IGNORANT LIARS!

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: 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:
Experian knows that my dispute with XXXX XXXX  for {$230.00} originated beyond the 7 year date. They keep trying to re-age this account and XXXX XXXX  pushes the date back so that I would contact their debt collector, XXXX XXXX, whose account is XXXX and pay on old debt. To date, they havent removed it from my credit report, costing me a XXXX job, that pays $ XXXX! I want this removed from ALL my credit reports immediately and I want them to pay me damages for losing this job and countless other jobs before this! Ive lost many years of my life and being Unemployed, they are liable to pay me for lost wages, anguish, humiliation and emotional distress all for {$230.00} that was OLD DEBT BEYOND 7 YEARS!!!

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 2021-10-18
Company: Atlanticus Services Corporation
State: MI
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 have attempted to contact XXXX, Fortiva AND XXXX XXXX XXXX XXXX  regarding this debt. The debt is reporting INCORRECTLY and have been sometime. Whatever incorrect update that was made on XX/XX/ dropped my score by 34 points!!!!! nobody can seem to get this account corrected between the two companies so I need help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25
Company: SUNTRUST BANKS, INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My business debit card was used fraudulently several times on XX/XX/2019. Twelve points of sale transactions were made back to back from XXXX XXXX IL in amounts between {$85.00} and {$110.00}. ATM cash withdrawals of {$500.00} and {$300.00} were made from what I believe to be the location of XXXX XXXX. The possible transaction numbers were XXXX & XXXX. 
No stops were placed on the account during this time. The fraudulent activity contact number is only available Monday- Friday. I called Monday morning to report the issue. The account was originally credited the amount after over a week without access to funds. 
The claim was then denied based on inconsistencies during the interview process which occurred over the phone and that no error occurred. Date of denial was XX/XX/2019. My claim did not change. Everything I told the representative was that my card/information was stolen and that I did not authorize any of the transactions which were identified upon reporting the original claim. 
The bottom of the denial notification letter stated that I ... have the right to request a copy of any documents that were used in decisioning your claim. I reached out to the bank on several occasions to try and better understand the meaning of this denial. Each time met with faulty information and false assurances that more information would be sent via paper mail. I have yet to receive any documents which they claim to have used to decide the outcome. 
I filed a rebuttal. Listing the same information/facts as I knew them. Date of submission was XX/XX/2019. The rebuttal was met with the same results and lack of clarification/information. 
It became apparent that the decision to deny this claim came down to one person. That person apparently has no accountability, can not be questioned/contacted, and is not required to provide information/clarification of their decision. Feels like the bank is taking advantage and is NOT there to protect my interests and account security/well being.

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 2021-04-23
Company: The CBE Group, Inc.
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
We paid some of the debt to CBE Group and told them i would call them when i could pay more. they have called me every weekday for the last XXXX weeks. I dont have the money yet but it seems like harassment at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: Convergent Resources, 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:
I demand proof of how you dealt with the information that you indicated in my credit report. Please provide me with all instruments used to report this 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 2017-11-13
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Applying for a mortgage and checking rates. Credit score has dropped 100 points in one week. Do not  know reason, Nine hard inquiries multiple less than the 14 days between rate inquiries. XXXX/XXXX/XXXX XXXX  inquiry, did not ask for them to do anything. Please remove inquiry XXXX/XXXX/XXXX Inquiry reported from XXXX XXXX Mortgage and inquiry was 3 months earlier. How can they report late ( upset because we did not use them ). XXXX XXXX Mortgage XXXX/XXXX/XXXX and XXXX/XXXX/XXXX hard inquiries too close to count as separate inquiry. XXXX/XXXX/XXXX and XXXX/XXXX/XXXX XXXX XXXX pulled credit for same mortgage company. Please remove. By my calculations I should only have 3 hard inquiries for mortgage inquiry rates. I do not understand how this is detrimental to my credit just because I want to check mortgage rates.XXXX XXXX XXXX hard inquiry, I called them to check USDA rates and they pulled my credit without knowledge. Please remove. When called XXXX the representative said I could not have them removed and when asked to speak to supervisor she said she did not have one and no one would return my call. Rotten customer service.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX HAS SOME ACCOUNTS ON MY CREDIT REPORT THAT ARE NOT MINE AND IN VIOLATION OF THE FCRA. 
ACCOUNTS- XXXX XXXXNOT MINE XXXX XXXX XXXX XXXX   XXXXNOT MINE XXXX XXXX XXXXXXXXNOT MINE XXXX XXXX   XXXXNOT MINE XXXX XXXX  XXXX XXXX XXXXNOT MINE XXXX XXXX XXXX XXXX XXXXNOT MINE XXXX XXXX XXXXNOT MINE XXXX XXXX XXXXNOT MINE XXXX XXXX XXXX   XXXXNOT MINE

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 2022-08-12
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I am highly upset the credit bureaus have not responded back to me about my investigation. 
This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
Company: Santander Consumer USA Holdings Inc.
State: AZ
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:
On XX/XX/XXXX I was in email contact with XXXX XXXX at XXXX XXXX XXXX   (XXXX & XXXX) in regard to financing a used vehicle through that dealership.  After discussing financing options, I informed XXXX by email on XX/XX/XXXX that we decided against purchasing through XXXX XXXX XXXX XXXX. In XX/XX/XXXX, after receiving multiple credit denials from multiple finance companies for both my husband & I that we did not authorize, I check our credit reports, and learned that on XX/XX/XXXX multiple inquiries were made to our credit report on behalf of XXXX XXXX XXXX XXXX.  My husband contacted XXXX XXXX XXXX finance dept & informed them of these unauthorized inquiries & he was told (did not get persons name) that they would take care of it. On XX/XX/XXXX, we received yet another credit denial letter for both my husband & I.  This time it was from XXXX XXXX on behalf of XXXX XXXX XXXX.  So I again, checked our credit reports to find another unauthorized credit inquiry on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am highly upset the credit bureaus have not responded back to me about my investigation. 
This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me. 

1. under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 XXXX Account Number : XXXX You can not report a late payment or a past due on a collection account this is a violation. Of the FCRA 2. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX XXXX Account Number : XXXX This is a charge off account and the balance should be {$0.00} and why is it showing {$8800.00} on my credit report that is seriously damaging my credit scores Please delete this inaccurate information form 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 non-monetary relief
Consumer complaint received 2017-11-20
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have a credit freeze on my information and having been trying to get a credit freeze lift to apply for a credit card and Equifax will not allow me to do it online or through their automatic phone line. I tried writing to them to lift the freeze and they never responded so I do n't know if they lifted it or not. I need this done quickly because I am applying for a credit card and there is no telephone number to reach a live person. This is messing up my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Experian and XXXX XXXX XXXX did not verify or even work in good faith to resolve the issue. Both companies fails to provide accurate reporting of the collection account wrongly reported on my credit profile. Company claims it was verified simply cause they have a form with allegedly my name and info on it. Fact of the matter is XXXX XXXX XXXX has not provided witnesses, photos, videos are anything show definitive proof of who asked for set up or made the account in question. Time frame they are reporting I was living XXXX miles away. 

On the other hand Experian colluded with XXXX credit to allow faulty information on my profile without it being verified fairly and accurately. Company simply throws up their hands and says well we just report what the XXXX agency reports regardless of if accurate or not. My proof or says is not taken into account it is just simply thrown to the side. 

The reporting process is crooked and stacked against the defending party. Anywhere else its innocent till proven guilty but here its they can falsely accuse with damaging consequences to some who is being wronged already. This account appears to be XXXX years old and coming out of no where at this time. They are reporting it as a new account opened XXXX of 2022

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 2023-02-21
Company: FIFTH THIRD FINANCIAL CORPORATION
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My situation is that the fifth third bank is charging me {$690.00} and I have never had a bank account with fifth third bank. 
The only bank that I have always had has been XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-25
Company: The Outsource Group, Inc
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Medicredit was contacted by XXXX XXXX that the debt was not owed from me. The medical office XXXX XXXX never sent the bill to the insurance company for payment. I filed a grievance with XXXX and the result is I am not responsible for the debt. After Medicredit was contacted by XXXX   they sent me yet another bill and filed this information on my credit report. It isn't my fault the medical office didn't submit the bill and Medicredit needs to resolve the issue with 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 2020-04-29
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
Option one mortgage company. XXXX  XXXX XXXX XXXX, has fail too give me the ownership paper too the company. Operational agreement, spendthrift paper too me as to new owner and beneficiary. From the old owner. I need cpa accounting too what yall been doing with my money, my companies make .and a copy of the operational agreement, from the old owner XXXX XXXX XXXX , XXXX 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