BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XX/XX/XXXX my wife tried to make an online purchase for a door for {$3100.00} and the purchase was declined as apparent fraud. We have perfect credit, no late payments and always pay our bill on time. My wife called the company " Capital One '' and answered every security question asked and was told she needed to provide a copy of her driver license via email, which she refused. Now the company has blocked all online access to the account including rewards points. Attempts to cancel card or report a lost card to cancel card are not supported online. Cardholders are required to call in. Wait times are over an hour and it is the only route to resolution. I called late at night and early in the morning and throughout the day with no lesser hold times. When I finally was able to call this morning and get thru they are still requiring a drivers license. I find this 1 ) unreasonable to ask for a driver license 2 ) totally bad business practice to have as the only solution to resolving a problem to hold for 1 hour on the phone. After searching online there are thousands of similar complaints from other customers. This practice is at a minimum unethical if not illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The seller is the XXXX XXXX XXXX  XXXX Debt collector is : Portfolio Recovery Associates LLC. 

My name is XXXX XXXX. I'm filing a complaint in regard to unrelated bank charges while having an account with XXXX XXXX XXXX  for {$2000.00} toward my account. I have disagreed with the bank related to charges of my account. After the dispute the bank sold the amount to debt collector agency Portfolio Recovery Associates LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
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:
The purpose of this complaint is to dispute the information reported to my credit by XXXX XXXX XXXX. Please be advised that I was represented by U.S. Consumer Attorneys, P.A. in regards to my timeshare interest with XXXX XXXX XXXX. I obtained the representation of this firm on XX/XX/XXXX of 2016. The basis of my representation was that I was defrauded by XXXX XXXX XXXX and other affiliated entities when I purchased my timeshare from their company. My only recourse was to stop paying the fee while my attorney negotiated directly with the resort. Despite my attorney 's efforts and demands, XXXX XXXX XXXX and its subsidiaries continue to report adverse information to my credit. This complaint serves as my formal request that you mark the information reported to Experian credit by XXXX XXXX XXXX as disputed. XXXX will not issue a letter stating that my account was closed after negotiations. XXXX and XXXX do not show any delinquencies, but Experian continues to show delinquencies. This impacts my life greatly, and I have never been out of sorts with paying bills on time and fulfilling my obligations to any companies until I owned this timeshare. Experian will not remove or edit my credit report. XXXX is intentionally harming my credit as a result of my legal dispute. My XXXX account has been closed for several 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 2021-09-20
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
Disputed items were sent via mail and the credit bureau has not replied in the time frame required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am being called by XXXX XXXX XXXX XXXX about a credit card debt on a credit card I never opened. The amount owed is XXXX. The card was opened XX/XX/2013. The card is owned by Capital One Bank ( USA ), N.A. I previously told a representative that I never opened this card and she said she would note this. I am know being harassed about these charges again. I currently have 2 Capital One credit cards that I have never had any issues with.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15
Company: Midwest Recovery Systems
State: OH
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:
My account was opened on XX/XX/XXXX. I didn't receive my credit card. 2 weeks later I got a bill from them for {$75.00} for the annual fee. I didn't pay it because I didn't have the card. Then 3 weeks later, they sent me another statement wanting the {$75.00} plus the late fee. This kept going on for a couple of months. Then on XX/XX/XXXX I found the credit card on my credit report in the amount of {$350.00}. I never used the card or activated the card because I didn't have it. So why did they continue to charge my card?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have sent certified letter after certified letter to Transunion as well as the other credit reporting agencies regarding accounts in error on my report. Transunion originally removed the referenced account for {$120.00} dollars and when I sent a written letter following up regarding another account that was erroneously placed on my account. They reinserted the an account they initially removed. 

I have made multiple attempts to have them explain to me how they're verifying these accounts. I've asked for copies of the documentation that they by law should be reviewing to verify these accounts prior to reporting them. However they simply reply with the accounts have been verified. I asked them to remove the accounts. They're stating they've verified the accounts. But fail to send me the physical documentation they reviewed to confirm the debt was mine. 

The account in question is being reported by " XXXX XXXX '' as I have emailed them due to their sending me a generic statement that I don't recognize. Nothing with my signature or an application of my applying for services. Furthermore there were no notifications of reporting information to my credit sent to me nor any letters notifying me of transferrence of ownership of my account. If it in fact it were mine. I asked XXXX where they received authority to report anything on my credit report. I'm waiting on a response from them right now. But I seem to be getting nowhere with either and this is just one account I'm having issues with. I'm applying for new housing this year and a professional license where my credit will be reviewed. These type of issues greatly affect my life and it seems that due to the number of accounts they're reporting. They're just bypassing the protocols required by federal law. If something doesn't change here my next step is to file a civil claim.

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 2020-05-21
Company: Experian Information Solutions Inc.
State: IL
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:
XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 120-180 ) days late on the XXXX partial account numbers XXXX. XXXX  and XXXX  are reporting that I am ( 120-180 ) days late on the XXXX partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2017-08-10
Company: MIDFIRST BANK
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I had a chapter XXXX bankruptcy all arreage payments were made and current payments to the lender and were credited and current, during this time the bank was charging us extra fees. We made our current payments after we opted to transfer to a chapter XXXX to clear our other debt. The lender accepted these payments then sent our XX/XX/XXXX payment back and put a forclosure sale date on our home even though we were current. The bank will not speak with us we have been trying to communicate since XX/XX/XXXX when we found this out. We have the banks attorney and our attorney trying to get this straightened out. We have received 5 diffrent payoff requests from the lender that do not even match our balance, once again they will not communicate with me or my attorney. We have all documentation of payments made through our bankruptcy and my current payments that were accepted.They have now returned XX/XX/XXXX payment and have said we have not made payments since XXXX XXXX that were made through bankruptcy. Our reinstatement was paid in XX/XX/XXXX the court paid XX/XX/XXXX and XX/XX/XXXX payments we paid XX/XX/XXXX and 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 2019-03-11
Company: Financial Management Solutions, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
OnXX/XX/2019, I received a letter from Financial Management Solutions ( FMS ) indicating an alleged and fraudulent debt in the amount of XXXX. On XX/XX/2019, I disputed the entire debt amount in writing and sent a letter with this respect to FMS via USPS certified mail ( tracking number : XXXX ). According to the USPS online records, the letter was delivered to the FMS financial solution on XX/XX/2019 ( Accordingly, they received my letter disputing my entire debt prior to expiration of the thirty ( 30 ) days period afforded under fair credit act ). However, I was notified that FMS financial Solutions has reported the debt prior to expiration of the thirty ( 30 ) days afforded under federal law while failed to report it as disputed. Furthermore, the referenced debt collection agency has failed to validate the debt prior to taking further collection actions. The debt was reported on XX/XX/2019, while on the same day, they received my letter disputing the entire debt. 

Accordingly, the referenced debt collection agency has committed multiple violations of the fair credit act.

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 2021-01-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was granted a loan modification which included exuberant fees in the amount of XXXX in addition to the past due mortgage payments. I had no problem paying the missed payments, however, the additional XXXX was excessive and Bank of America took advantage of me when I was vulnerable and in a financial bind. This has put me in a horrible situation. Im severely underwater and cant refinance my mortgage to a lower interest rate. If Bank of America hadnt added on excessive fees in the amount of XXXX, I would not be underwater!

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 2019-03-11
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I sent a dispute request to the company XXXX XXXX. They are reporting as a charged off debt. However, the company responded to my request to verify the ownership of this account by sending me a print out of how they are reporting the account to XXXX. The account is also reporting on my XXXX and Equifax reports. This is not permissable under the FCRA as an accurate way to verify an account to a consumer. They must provide a signature or contract of service with this company and they have failed to do both on numerous occasions of requests to credit bureaus not properly verifying information as well. Please delete this account from all three credit bureaus for inaccuracy and estoppel of silence by not rendering contract of services.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: Debt Recovery Solutions, LLC
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 checked my credit report and saw something in Collections that said debt recovery solutions. I have never had any thing in collections. The amount says {$310.00} and that it was opened this year. I never pulled out a loan this year, nor have I even been able to get accepted for one. Someone must have stole my information online which is weird because I cant even get approved for a loan with how low my score is. I have no idea how this happened. Its fraudulent. I never opened it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
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: Investigation took more than 30 days

Complaint:
I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/XXXX and never heard anything back. So I sent a 30 day comply on XX/XX/XXXX and I've yet to get any feedback on my investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-10
Company: ID Analytics, Inc.
State: GA
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:
An account in my credit is showing late, this account has never been late, this inacurate reporting has affected my ability to get funding and has made me pay higher interes. Please remove this late in 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 2019-03-10
Company: LEXISNEXIS
State: GA
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:
An account in my credit is showing late, this account has never been late, this inacurate reporting has affected my ability to get funding and has made me pay higher interes. Please remove this late in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my home and had a escrow refund check for XXXX mailed to me on XX/XX/XXXX it was stolen out of my mailbox, I know this because the perpetrator opened a XXXX virtual wallet account in my name using my SSN and deposited my refund check as well as 2 other checks belonging to other 's in that account and the statement 's and letter 's i did retrieve out of my mailbox. I contacted Lakeview right away before the money was withdrawn and assumed that they had stopped payment, only to find out today that this check had been cashed and no other check has been issued. I can not seem to get Lake view loan servicing to reissue another check, they have repeatably lied stating a second check was mailed out on 3 different dates, also stated they would expedite and overnight a new check. But they can not give me a check number associated with the supposed second check. However today they stated that i needed to file a police report and call XXXX XXXX which is their bank account. XXXX XXXX would not of course do anything because it is Lake view 's bank account and police told me to go to the Postal Inspector which I did. 

I can not seem to get any resolution or help with Lake view, which technically owes me this refund. 

I can provide copies of the XXXX fraud account that was opened that shows were the check and others were deposited. I also notified XXXX that I did not open this account and to close it and return the funds, I assumed that was done, however I found out today that also did not happen. I am also notifying the XXXX and identity theft .gov as well as the Federal Reserve about this matter. 

if anything furthur is needed please contact me Lakeview as been giving me the run around since XXXX I have called Lakeview and XXXX numerous times about this and have documented all dates..

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 2018-10-03
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
THIS COMPANY HAS TARNISHED MY NAME FOR WAY TO LONG AND TODAY IT HAS TO STOP, THIS SCAM OF A COMPANY PINNED ME WITH A UNAUTHORIZED ACCOUNT THAT I HAVE NO KNOWLEDGE OF! IVE SENT IN MY POLICE REPORT, AS WELL AS MY AFFIDAVIT AND JUSTICE, HAS STILL NOT BEEN SERVED! PLACING THIS FRAUDULENT ACCOUNT ON A INNOCENT HARD WORKING INDIVIDUALS CREDIT PROFILE FOR NO REASON IS MIND BLOWING, SICK AND INHUMANE! IM A VICTIM OF IDENTITY THEFT AND THAT'S ALREADY TEARING ME TO SHREDS AS IT IS! I CANT FURTHER MY LIFE AND MY FUTURE BECAUSE OF NATIONAL CREDIT ADJUSTERS! I DEMAND THIS FRAUDULENT ACCOUNT TO BE REMOVED! THESE COMPANIES PREY ON THE INNOCENT, WEAK, POOR AND NORMAL HARDWORKING INDIVIDUALS! AND IT NEEDS TO STOP, I HAVE FILED ANOTHER POLICE REPORT AGAINST YOU BULLIES AND JUSTICE WILL DEFINITELY BE SERVED TO YOU ALL! NOT ONLY ARE YOU TARNISHING MY NAME AND REPUTATION BUT I CANT GET A HOUSE OR A PLACE TO STAY BECAUSE, OF THIS FRAUDULENT UNAUTHORIZED ACCOUNT, THIS NEEDS TO BE REMOVED IMMEDIATELY OR I WILL SUE NATIONAL CREDIT ADJUSTERS AND BRING YOUR COMPANY DOWN IN SHAMBLES FOR THIS HORRIBLE FRAUDULENT SCHEME!

Company response to consumer: Closed with explanation