BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
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:
My car was financed through Capital One Auto Finance and in XX/XX/XXXX, following a car accident, was determined to be a total loss and my auto insurance issued payment to Capital One in XX/XX/XXXX. After the total loss payment had been made I still had a remaining balance on my loan. My account access was removed from online payment and automated payments because it was no longer an active account, so each month I had to contact customer service to make payment. My last payment was to be made on Saturday, XX/XX/XXXX. I called both customer service lines and both lines stated Capital One offices are closed and disconnected. I checked the web page to see if their offices were closed and seen nothing posted other than their business days and hours listed ; this includes Saturdays. I was finally able to submit my payment on XX/XX/XXXX, paying off my account and receiving my title. Mid XX/XX/XXXX, I received an email alert from XXXX stating there was a deragatory remark made to my credit report. When checking XXXX I seen that Capital One had reported my account as a charge off. I called Capital One customer service and explained that I had attempted twice to make payment on the XXXX and called both customer service lines in order to do so before their prompt stated the offices were closed and disconnecting. I had also contacted XXXX precious to calling Capital One on the XXXX and had no issue with speaking with them and making a payment, so I had no reason to believe or expect this to be a holiday. The rep stated that I had until the XXXX to make payment and I hadnt until the XXXX so the remark would likely not be removed. I then asked to file a dispute and for a way to submit my supporting documents. After being given a fax number that wasnt a working fax line, I used the fax line number listed on the Capital One web page. I received a letter stating that the remark would remain and payment was made after the payment date. I then mailed in my supporting docs and dispute information. I again received a letter stating the remark would not be removed. I had made several payments on saturdays previous to this and the rep would not answer if the office was closed on the XXXX. I had no other way of making my payment and yet I was being reported as a deragatory account when all efforts were made to pay off the account in time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-15
Company: Optimum Outcomes, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XXXX I had an XXXX at XXXX XXXX that cost around {$9700.00}. 
The balance of that was to be paid by insurance and the drug company where I would owe only about {$5.00}. After reviewing my statement about 3 months later, I noticed that the drug company portion had not been paid. I inquired at XXXX XXXX XXXX  to the newly hired person that admitted to me That the drug bills had not been filed since he was there. 
This caused a problem. XXXX XXXX sent a collections agency an amount I owed of XXXX. 
That amount was never billed to me or even appeared on any statement. Simply I did not know I owed It. I have had similar problems with them in the past. Someone from the government needs to get involved here as this is a system wide problem and there is no telling how many people are being affected by this. We need Help!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14
Company: REGIONS FINANCIAL CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/XXXX I had a balance of $ XXXX.A check for {$32.00} was cashed causing an overdraft of - $ XXXX.My account was charged a {$36.00} overdraft fee causing a negative balance - $ XXXX.I called the bank and they refused to reverse it! The fee is 7 times more than the negative amount! On XX/XX/XXXX I had a balance of {$49.00} two checks came in one for {$30.00} and one for $ XXXX.The bank put the {$93.00} first and the {$30.00} second causing 2 overdraft fees for $ XXXX.If the put the {$30.00} first I would have only paid one fee! I admit I overlooked the first check.

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 2019-01-15
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is regards to my current mortgage. My account was transferred from one company to current company in XX/XX/XXXX. I made my on-time payments to both the companies in XXXX. I also made on-time payments to my current company for XXXX too. Original company did not made my school tax payment in XXXX and new company made the payment and late fees for XXXX school taxes and asking to make that payment again whereas, I have already made my payments on my account. Current company keep taking from my account automatically without my approval and not willing to help to resolve the issue. My current company is also asking to increase my monthly payment as they have made the payment covering XXXX taxes. I am not in a position to make any extra payments which I am not suppose to but they continue to do so. I would appreciate if your department can help me resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10
Company: EQUIFAX, INC.
State: SC
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:
Equifax ; XXXX and XXXX are reporting incorrectly on the XXXX XXXX partial account number ****XXXX-XXXX. ( Please see page 3 attached from my credit report. ) This account does not belong to me. I did not authorize this account, nor did I sign any documentation to open this account. This line item needs to be removed from my credit report. It is clearly being reported in error. I have contacted the ( 3 ) bureaus to remove this item however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: Navient Solutions, LLC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 60 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-24
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
In XX/XX/2017, I applied for a loan but my bank was unable to pull my credit from Equifax. I thought it was because I had previously frozen my credit. I could not get the pin in time for the loan and in the end, they did not need to access it. I recently applied for a credit card and the credit agency asked me to lift the freeze on equifax. Having never received the pin, I sent in a request. Equifax has reported back to me that I have no file with them at all. I know this can not be the case because I was told that it was frozen by Equifax and because I have previously received an equifax credit report. I need help gaining access to my account at equifax. I have heard that I might have a split file that is causing this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22
Company: United Debt Holdings, LLC
State: IN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
THE XXXX SOLD MY ZOMBIE DEBT TO UNITED DEBT HOLDING, LLC AND THEY SOLD IT TO XXXX XXXX XXXX AFTER THE S.O.L. EXPIRED AND WENT ON CREDIT REPORT DURING WHICH TIME WE ARE BUYING A CAR. 
THEY FAILED TO SEND VALIDATION LETTER AND ALL PARTIES ARE IN VIOLATION OF THE DODD-FRANK ACT. 

SEE ATTACHED.. 

E-MAIL TO SETTLE OUT SIDE COURT IS ( XXXXXXXXXXXX )

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 2018-02-02
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XX/XX/XXXX, I spoke with XXXX from Equifax, Inc about my Credit Score not being updated since XX/XX/XXXX. She stated she would get my credit score updated in a timely manner. I have given Equifax the appropriate amount of time and my credit score still hasnt been updated since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: ALLY FINANCIAL INC.
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I XXXX XXXX entered into a consumer credit transaction with XXXX XXXX XXXX XXXX on XX/XX/2018. I used my credit card as defined under 15 USC 1602 ( l ) and there was a finance charge involved as defined under 15 USC 1605 and Ally Financial Inc was then given my information without my consent or permission then they took my information and opened a loan and began to violate 15 USC 1692e because they falsely represent the status of a debt they failed to provide authentic documentation which clearly indicated no such matter existed Pursuant to 15 USC 1692d ( 4 ) they then state they are going to repossess the vehicle in which they clearly have no intrest in and furnishing fraudulent documents defined in 8 USC 1324c.r,15 USC 1692j identity theft reported to the Federal Trade Comission report Number XXXX UCC11 Lien search was conducted Name dose n't come up with a lien.

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 2021-06-03
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I'm getting daily calls from nasty people claiming to be from American Express. I don't do business with American Express, never have and never will. Whatever debt they are calling about is not mine. They ask for someone named XXXX and I am not XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-03
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Ive sent in a letter XX/XX/2021 in regards of the misleading and unverifiable items on my credit report. Ive sent in several disputes, before opening up a case with cfpb. I've talk to the bureaus, the actual lenders, and yet have received any results in regards of my claims. I feel im getting token advantage of because I been having this issue for a while.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I am currently trying to repair my credit with TransUnion. I sent my first dispute letter Certified Mail on XX/XX/21 and the second dispute letter Certified Mail on XX/XX/21. Both times Transunion have claimed they did not receive it. I have to call both times for an update. I do not see any updates on the website. All they did was send me a 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 2018-06-14
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
This about an AMEX business card. One of my employees was given a card for business purchases in XX/XX/XXXX. I discovered she was using this card for personal items and misrepresented herself. I closed the account in XX/XX/XXXX when I discovered the misuse. I reported this to AMEX and they closed her card and investigated {$21000.00} in fraudulent charges that were used for her personal use. They credited my account but in XX/XX/XXXX they recharged my account stating that since, it was a business account and I gave her a card, they were not responsible. Subsequently I submitted the information to the District Attorney and they prosecuted her and she is now in XXXX  due to XXXX XXXX  and XXXX XXXX. I told AMEX that the legal system takes time and paid down some of the debt but wanted to freeze any other payments. AMEX did not care and they sent the debt to collection. XX/XX/XXXX I re-opened the fraud case with AMEX and they requested information from the district attorney which she gave to them ( this includes a letter from the perpetrator admitting her guilt ). They said they would let me know in 30 days and I still have not heard any information from them as of XX/XX/XXXX. They offer no protection to me despite the government and legal system corroborating the criminal misuse of my credit card with AMEX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
LVNV FUNDING LLC ... 
{$410.00} {$450.00} {$580.00} On XX/XX/2019 I sent a debt validation letter to LVNV FUNDING LLC which clearly states I am requesting the documents that they have that are supposedly tying me to the accounts they are saying belong to me.i sent the letter via certified mail, it was signed for and I have not heard back from them.at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I opened an account with XXXXXXXX XXXX XXXXXXXX in order to rent an instrument for my son. At the end of the contract, the instrument was returned, but my account was still charged for months afterward. Despite numerous calls made to the company, I kept receiving inaccurate bills ( which I did not pay ). Finally, a manager called me to let me know that the account was straightened out and my account would be credited for all of the extraneous charges. Unfortunately, my account was never credited and it was passed along to collections. I would like this account closed and derogatory information 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 non-monetary relief
Consumer complaint received 2019-01-15
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Hello. I am writing to express my concern about a student loan forgiveness program I qualified for. Navient denied my student loan forgiveness form. My District signed it and I qualified for {$17000.00}. I have been XXXX 20 years and am very upset to see my time does not matter. I have struggled and needed to place my loans in forbearance and deferment for quite some time. I filed bankruptcy in 2014. If you could please help me get back on track, I would greatly appreciate it. Thanks so much. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have had a Capital One Credit Card for 15 years with a $ XXXX  line of credit. I never missed a payment, never was late paying thus I never paid interest. I accumulate XXXX Rewards Points. Recently a purchase of {$70.00} was declined and so when I inquired they advised me that I failed to make the payment of {$70.00} which was silly because from my past 15 year history I have never carried over a balance. Suffice it to say I may not have received the bill or I just missed it. When I phoned in to inquire the lady was very short and so I told her to just close the account.I then called back and spoke with XXXX within 3 days about my rewards points. She said she would review and get back within 5 days. She didnt. I then spoke with XXXX ID # XXXX   the following week and was promised a response within a week. Now on XX/XX/XXXX I get a call from XXXX who says it is now over 30 days and they are refusing to reopen the account. I could care less about the account but feel it is because I have XXXX  points they dont want to give back.Those are my points. They didn't tell me I would lose them and in my opinion it is stealing from me. I would like the points or the cash for them since they failed to tell me I would lose them. Card ends in XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-02
Company: ZIONS BANCORPORATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
In XX/XX/XXXXmy wife and I obtained a divorce. I have three accounts with XXXX XXXX XXXX ( Personal Account - XXXX  ( jointly with wife ) ; XXXX XXXX Account -  XXXX  ( wife not on account ) and XXXX XXXX XXXX   Account - XXXX ( wife not on account ). In XX/XX/XXXX, I had my ex-wife removed from my Personal account. Because my ex-wife had on-line access to all of my accounts, she was able to make unauthorized on-line withdrawals from all three of my accounts to pay for her XXXX Credit Card ( XXXX XXXX ). XXXX XXXX XXXX  in XX/XX/XXXX processed a withdrawal for XXXX XXXX   in the amount of {$15000.00} and on the next day XXXX XXXX XXXX reversed the unauthorized on-line withdrawal for the same amount because my ex-wife had been removed from my Personal Account - XXXX. Then in XX/XX/XXXX andXX/XX/XXXX, XXXX XXXX XXXX processed unauthorized bank withdrawals to XXXX XXXX  in the amount of {$15000.00} from Account XXXX. From XX/XX/XXXX toXX/XX/XXXX XXXX XXXX XXXX  allowed unauthorized withdrawals to XXXX XXXX in the amount of {$310000.00} from my XXXX XXXX  Account - 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 2021-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
On XX/XX/2021, I mailed certified letters out to XXXX, Tran Union, XXXX, and XXXX requesting them to remove Dept of Ed/ XXXX XXXX XXXX in the amount of {$170000.00} off my credit report. I only heard back from XXXX but they did not provide the original indebtedness in its original form. 

( I am disputing this account according to the FCRA for reporting incorrect account numbers not matching with only one open date. ) I've asked them to provide me with the original instrument of indebtedness in its original form. There is no original contract or no original { INK } signature.

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 2018-07-09
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had paid off this credit card and they claimed I paid late hence a late charge which I ignored and they kept adding more late charges. I think I did contact them and told them this was wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: PNC Bank N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
In 2020 I was laid off from my job because of Covid-19. I just getting back on my feet and although I've tried to make payment arrangements with PNC they are refusing. I also requested proper credit reporting as required by the Cares Act and they refused.

Company response to consumer: Closed with explanation