BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
Today I reached out and begged Capital One to take a payment from me today ( already had it scheduled ) and they would not help me. I had gotten my purse stolen, my grandchildren with me and we are over two hours from home. I happened to have my Cap 1 # in my car and asked if they could allow a payment and release the amount to my card, and they would not do it I have been the victim of identity theft and I've also been treated like a criminal and irresponsible person because of it. It's honestly been a nightmare. Capital One isn't any different than XXXX or XXXX XXXX? The people I dealt with were XXXX emp # XXXX, XXXX emp # XXXX, XXXX emp # XXXX ( he lied about this number ) and his supervisor XXXX emp # XXXX or XXXX ref # XXXX. After this I am cancelling this card and I will never again believe another company. I feel betrayed and beaten. thanks Capital One

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-03
Company: SYNCHRONY FINANCIAL
State: SC
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:
Never have received any bills in the mail so Ive never known what day my bill is due or Ive never received any online so I recently switched to paperless there are several charges up XXXX XXXX XXXX in Texas and I live in XXXX and they were also some XXXX purchases in late fees were on there and I never got a bill so how my supposed to know when its due to pay I dont believe I should pay the late fees if I dont get a bill. There is also a huge charge of {$360.00} or around that amount to someplace called XXXX. I didnt do any of 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 monetary relief
Consumer complaint received 2018-09-03
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I checked my credit report and noticed inquiries from unknown sources { XXXX XXXX, XXXX XXXX, XXXX/XXXX XXXX and XXXX XXXX. I have not applied for any new credit accounts. I filed a complaint with the FTC as well.

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 2019-01-10
Company: HCFS Healthcare Financial Services of TeamHealth
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
All of the companies involved with this debt have numerous complaints against them for dishonest and illegal practices. XXXX XXXX XXXX and XXXX XXXX of Oklahoma, both violate consumer rights non stop. I filed a complaint against XXXX yesterday and in less than 24 hours they dismissed my complaint and closed it out. Their response was full of inaccurate information. 
Again, they have refused to provide my consumer disclosure file, ANY proof of debt validation or any other information as they are required to do in accordance with federal law. They have also refused to show proof that they are legally able to pursue this debt in the state of Oklahoma, especially considering they have admitted that they are not the original debt collector. 
In their response, they are trying to play games and say that my speculation from where this debt came from is completely false. There again, they have NEVER provided any proof or actual bill from the original source. They are now claiming that this is from XXXX XXXX XXXX, which I have NEVER been a patient at and is located in XXXX, Ok, NOT XXXX, Ok. The information on my credit file, indicates this is from sometime in XX/XX/2013. XXXX XXXX XXXX was struck by a tornado in XX/XX/2013 and completely torn down by XX/XX/2013. This is a verifiable fact, just like the fact, that I have NEVER been a registered patient at XXXX XXXX XXXX. Another verifiable fact, when one does a simple search for XXXX XXXX of Oklahoma, there are literally thousands of consumer complaints, where they have done the exact same thing to many other people, NEVER billing them, and multiple examples where they attempted to commit insurance fraud and were caught.

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 2019-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 paid my account listed with XXXX XXXX in full in XX/XX/2018. I submitted proof of payment and filed a dispute with XXXX, TransUnion and XXXX  In XXXX notifying them that my account had been paid in full and that XXXX XXXX stated that the account would be removed from my credit report. 

As of todays date, XXXX and TransUnion is still incorrectly reporting the above listed account as an unpaid collection. 

Attached is a letted from XXXX XXXX stating that my account is paid in full and that they have requested for the account to be removed from 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 2018-04-05
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I have a total of 5 open accounts and 1 account that was closed. 
I attached a screen shot of the status for all my accounts and the one account that is showing a negative/DELINQUENCY is XXXX XXXX XXXX, the same one Experian is saying doesn't have a DELINQUENCY reported for it. PLEASE review all the screenshots and advise why my report has the DELINQUENCY. 

P.S. 
I attached the original letter from XXXX XXXX stating they incorrectly reported the DELINQUENCY on my report. But you are saying that does not relate to XXXX soooooo ... .... Which account is it for????? I attached status of ALL MY ACCOUNTS FROM EXPERIAN .... THIS SUCKS THAT I PAY MEMBERSHIP WITH EXPERIAN AND I CAN'T GET THE ANSWER OR PROBLEMS RESOLVED.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-03
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: Their investigation did not fix an error on your report

Complaint:
Joined the XXXX XXXX in 2016 and had to be gone for 25 weeks. Called the XXXX and requested a payment deferment/forbearance and got approved but still reported 5 months on 5 different tradelines late. Have tried to explain to that I had a forbearance was approved for that period and had not to be reported late. At first, they denied any forbearance approval in the past since they could not see anything in their system. But the grace of XXXX, they recently researched and found the letter. However, I have tried to get them to remove those late multiple times but they insist that their reporting accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-03
Company: AES/PHEAA
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:
Joined the XXXX XXXX in 2016 and had to be gone for 25 weeks. Called the XXXX and requested a payment deferment/forbearance and got approved but still reported 5 months on 5 different tradelines late. Have tried to explain to that I had a forbearance was approved for that period and had not to be reported late. At first, they denied any forbearance approval in the past since they could not see anything in their system. But the grace of XXXX, they recently researched and found the letter. However, I have tried to get them to remove those late multiple times but they insist that their reporting accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09
Company: BMW Financial Services NA, LLC
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:
On XX/XX/2018 I setup an online account with BMW Financial and also setup an auto pay account. I was assured the payments were setup for this auto pay but received a call a few days ago stating my account was past due. I made a payment of {$1300.00} ( 2 months payments of {$690.00} ) immediately and also reconfirmed the autopay was in fact activated for future payment to avoid this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-03
Company: Experian Information Solutions 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:
I had an account with XXXX which was paid off by the Dealer in XXXX-XXXX. I had to include it in Bankruptcy because the account was still open with all 3 credit reporting agencies. 

I have consistently tried to remove the late notice in XX/XX/XXXX because at the time I did not have the vehicle since it was traded in at XXXX XXXX in XXXX Fl. 

I contacted Experian over the phone because they do not allow me to dispute online as is my right. They have me blocked. I told them the account was never late. 

As a result Experian updated the account as a charge off on XX/XX/XXXX in error. I tried calling them and explained I had no lates for about 4 years and they told me the score dropped because of XXXX charge off. This was false information. The report dropped because they updated the report to show XXXX XXXX as charged off in XX/XX/XXXX making my credit score drop 24 points as well as my credit rating from Good to Fair for being late .1 years - IN ERROR. I could not dispute online. THis caused my denial of credit. I can not wait 30 days for them to fix their grave mistake. The account has no activity since XXXX. Yet, their ineptness added it as a recent negative which made my score drop 24 pts. This is in addition with their taking the XXXX account and counting it as 6 accounts late rather than 1 account in their scoring model. 

They investigated both the XXXX and XXXX incorrectly and now I am being penalized. I also am complaining against XXXX XXXX XXXX for attempting to re-age the debt on the account that has been closed without activity for almost 4 yrs.

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 2018-06-29
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Problem : I have direct deposit from my work to bank institution ( People United Bank ). My deposit is count it very late on the payday. When transaction kick in they charge instantly a fee of {$37.00} and they use all mean to access to others account like saving to take the money out. 

XXXX In-process ACH CREDIT XXXX XXXX XXXX XXXX XXXX XXXX It was XXXX XXXX EST when I decide check the account and status is : in process I send a email to then XXXX EST and their system register : Sent:XX/XX/2018 XXXX CDT Unhappy Customer People United Bank .

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX I have serious problems with addresses on my credit report that I have never lived at showing on my credit report! Please remove these unknown, unrecognized addresses. The following addresses are not accurate please delete : XXXX XXXX XXXX  XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX # XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. 
I have a new job that I am applying for and this information on my file needs to be corrected. 
I noticed that there was an account from XXXX XXXX XXXX  # XXXX I have never done any business with this company and I know this information is inaccurate. Please delete this account at once. I have requested documents for this account without any response back. This is an error. 
Please remove the name XXXX XXXX XXXX and XXXX XXXX that is not my name.

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 2018-09-03
Company: Meyer & Njus, P.A.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I recieved a letter from XXXX XXXX XXXX, XXXX  Attorneys at law claiming that they are collecting for XXXX XXXX reguarding XXXX credit card. I am disputing this collection because this account was already under dispute with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-03
Company: Source Receivables Management LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
SOURCE RECEIVABLES MNG XXXX I am writing this letter in an effort to remove inaccurate information from my credit report. 
The following information you have placed on my file has seriously affected my credit profile. Please be reminded that it is important that credit bureaus maintain accurate information per the Fair Credit Reporting Act. The following account does not belong to me and should be removed from my credit report immediately : The following accounts are not mind account. No knowledge account. This account was already Disputed with XXXX XXXX and XXXX on XX/XX/2017 SOURCE RECEIVABLES MNG 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 2018-07-06
Company: CIS DIRECT LENDING
State: AL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX  WAS A THIRD PARTY DEBT COLLECTOR TO LOAN NUMBER XXXX. THEY DID NOT PROVIDE ME WITH A WRITTEN NOTICE BY CERTIFIED MAIL SAYING I HAVE THE RIGHT UNDER THE FDCPA TO DISPUTE THE DEBT WITHIN THIRTY DAYS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2018 I secured an auto installment loan to finance a used car at the XXXX XXXX dealership ( XXXX XXXX XXXX XXXX, XXXX XXXX, FL ). 
Upon checking my FICO credit scores shortly thereafter, I was surprised to find that they had plummeted - from XXXX to XXXX. The only credit score factor that led to this drop was the number of hard inquiries, reported to be 5. 
I am concerned about these 5 reported hard inquiries for several reasons, chief among them that ( 1 ) when trying to secure a loan such as an auto loan there is usually a short window of time within which all hard inquiries are counted as a single inquiry, thereby minimizing credit score impact, ( 2 ) I did not authorize this many inquiries, and ( 3 ) I am naturally wary of potential identity theft.

How could it be, I ask, that a relatively good consumer like me see her excellent credit scores plummet virtually overnight by simply seeking an auto installment loan? 
It is my sincere wish that the CFPB assist me in unraveling this perplexing matter. 
Thank you, respectfully.

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 2018-02-25
Company: Blakely-Witt and Associates, Inc.
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I ha e tried to call and inform individual that reported a debt on my credit report on a account and a amount that I did not owe, I went to court with a apartment complex in XX/XX/2016 and the company got a writ to possession of the unit and I payed the amount of {$1500.00} exactly in money orders to XXXX XXXX XXXX XXXX XXXX, then 1 year later I had a amount of {$4200.00} I called and told the rep that I did not owe the money and he told me I was going to pay if or else because he didn't care and was going to keep reporting it to my credit, when I informed him that I paid the company directly and they took it off my credit report so should he and he said no you broke the lease and then to.d me I was a loser and my credit will stay ruined because I broke the lease and we argued that I did not the apartment won dispute in court and not only did he not take it off he reported in on my XXXX  report 2 times so now he hurts me even more because it looks like I own {$8500.00} in debt I want this investigation to include having him confirm with original apartment complex that I paid them and they got possession of the apartment and to remove it from my file or I will have to hire a attorney to sue for damages.We I last filed this complaint I was told by the rep that the company trying to collect the money said he would send info to credit reporting agencies to remove the Duplicate reporting on my credit report and since he has not even done that so I would like to take advantage of any damaging issues this has cause by fair reporting act I have not yet been able to lease another place to provide a roof over my family 's head because of this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Obviously these people at XXXX XXXX do not recognize the laws and have been very harassing to my wife 's email. I have reported the identity theft to fTC, XXXX XXXX XXXX  and the police department and the said they did an internal investigation. I am a XXXX and a veteran. I have asked them to produce my signature because XXXX sign for everything which they have yet to provide me with. Because of these guys I had to put a fraud alert on my account and have had to close other accounts. My wife is very upset about her business account being used. for these harassing calls. They even called her phone pretending to be IRS. There is another review that a person went through the same thing I am am going through.

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 2018-09-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I apply for a credit card with capital one I have excellent credit and my credit score is almost 800 And I have sufficient income to apply for the credit card. for some unknown reason they declined my application I believe that my application was denied because of my race and national origin since there were no other reason given for my denial thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have a credit card with Synchrony Bank. It is XXXX XXXX   card. I received a letter that they have closed my account because they received information from XXXX XXXX stating my credit score had fallen. I did not owe any money on my card. I've always paid on time, and even paid before the promotional period ran out. If my credit score is so bad why did they leave the other accounts that I have with them open, ( XXXX  and Walmart )?? I didn't even apply for a credit limit increase or any new credit, so there would have been no reason for Synchrony to run my credit report anyway. I tried to call them and keep getting the run around. After reviewing the complaints that have been made by so many other consumers, I believe that Synchrony is working with XXXX XXXX  to lower consumers credit scores so that they can be charged extra money for interest rate.

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