BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I contacted by my Capital One/XXXX credit card collections department on or about XX/XX/18 about my credit report saying my account was closed but my account online saying it was open. I was made to believe that my account was only closed until my balance was below my credit line, then I would be reopened. On XX/XX/18 I checked my credit report again and it still said the account was closed even though I now had available credit according to my online account. I submitted a dispute with XXXX on XX/XX/18. On XX/XX/18 I got the results saying it was closed with a freeze on file updating. I contacted Capital One/XXXX  on XX/XX/18 inquiring about why it was being reported as closed now that I had available credit and explained what their collection department had led me to believe. They stated that they the collections department may not have had access to all the account information. I asked if they routinely made deceptive claims in order to get customers to pay. The only thing she kept referencing was the cardholder agreement saying that was all that mattered and not what/how a debt collector tried to collect the debt. I am wanting a copy of the audio call in which I agreed to make a payment, and of what the debt collector told me about my account. I know the call was recorded as they made me aware that the call was being recorded.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-26
Company: Pioneer Credit Company, 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 information incorrect

Complaint:
I have a charged off account that appears on my credit report the issue is the same account is listed by two different creditors. The account is listed under XXXX XXXX and Pioneer credit. I opened the account with Pioneer credit. In XX/XX/XXXX The account was transferred over to XXXX XXXX. The account is now past due and instead of one company listing the debt both companies are listing the debt making it appear as if I owe two different companies. I have tried correcting this with no response. I only owe one of the companies for this listed debt. Under the FCRA my rights are being violated. I am requesting that either Pioneer credit or XXXX XXXX remove the debt until than I can not rightfully pay the debt because I do n't know which company it belongs to. Both companies are saying they own the debt. This has negatively impacted my credit in a huge way. I have been denied housing due to this. I am asking that this information be updated on my credit file asap.

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 2020-11-13
Company: Total Card, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Recently I submitted a credit bureau request to have XXXX XXXX  XXXX XXXXTotal Card company review my payment history with the credit bureaus, rather then review my payment history, someone in the company on XX/XX/2020, decided to update my credit report from closed in good standing to charged off. My credit card XXXX was paid off and closed on XX/XX/2020 with payments made on time before the account was closed. The account was closed in good standing and the ENTIRE balance paid off. 8 months after my account was closed in good standing, someone at the XXXX XXXX  XXXX XXXXTotal Card fraudulently and erroneously altered my account status from " closed by consumer '' with a {$0.00} balance to " charged off. '' Someone in their company fraudulently and erroneously decided to fabricate that my card was charged off and they must be held accountable which is why I am contacting you. 

When I contacted the company on XX/XX/XXXX, they transferred me to their charge off department, the charge off department could not find a case for me because they said my account was never charged off, from there they continued transferring me back and forth between customer service and charge off recovery with no resolution. 

The reason the charge off department could not locate my file is because my account was never charged off, it was paid on time and closed. But someone in their company decided to fraudulently update my credit report as a charge off I believe as retaliation for me closing my account and paying it off and they must be held accountable. They are a corrupt company and who know how much harm they have caused to other consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-27
Company: EQUIFAX, 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 information incorrect

Complaint:
I havve been paying my student loans rigurously. On XX/XX/XXXX XXXX reported a late payment which was not my mistake and have not removed it form the 3 credit reports until today.. It has been the mistake of all the representatives that are not doing the job correctly and are reporting whatever they want. I contacted them to removed the late fee from my 3 credit report agencies.

Yesterday and Today I had received 2 alerts. XXXX is reporting again on all the 3 agencies. 

XX/XX/XXXX, reported late again ( 2 negative items on Equifax ) Yesterday XX/XX/XXXX ( 3 late negative items ) when I have been paying on time I am tired to deal with XXXX. 
they keep changing and sending letters of changes on the loans and kept changing the due dates as they pleased. MY payment dates are on the XXXX of each month and they kept changing date and loan terms, then they report you as late. 


everytime I have a problem with them I need to recur to this agency becuase they lock the phones, theire representatives dont answer correctyl. Even if you pay your loans on time. They keep calling you to make payments that are already made.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-27
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XX/XX/2018, {$4.00}, I complaint to the bank about fees and want the money back, but the US bank keep finding excusing on charging fees.

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 2018-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
My wife XXXX XXXX has been dealing with XXXX for years with them reporting this loan on her reports illegally. She finally got them to delete the items from her credit for the 3rd and what better be final time. Now they are on my report and they aren't even mine. We filed BK and she included these as a creditor to be discharged. SEE ATTACHED DOCS.

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 2017-06-26
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/XXXX, I opened online a Wells Fargo Every Day checking account that was offering a {$250.00} bonus for either making 10 debit card transactions or establishing a qualifying Direct Deposit of an accumulated {$500.00} or more within 60 days of account opening. I was instantly approved and received via-email a confirmation with the following data : Application Reference number : XXXX Status : Your application has been approved, and your new account is eligible to receive a bonus offer. I completed the 10 debit card transactions on XX/XX/XXXX. The bonus should have been deposited into the new checking account within 45 days after meeting the requirements. It has passed over a month after the 45 days waiting period and the bonus has not posted yet.

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 2018-10-27
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft..CFPB please remove the accounts XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX TX ) XXXX, XXXX/XXXX XXXX, XXXX   XXXX, XXXX/XXXX XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-27
Company: JPMORGAN CHASE & CO.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I didn't realize this card had a yearly fee. The card I haven't used is charging me XXXX for an annual fee and 2 late payments to tallying over XXXX for a card I haven't used. They closed the account but wont refund the fee 's

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-20
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The debt collector ( XXXX ) has falsely " parked '' old debt on to my credit report that was found to part of identity theft from XX/XX/XXXX. They have tried to " reage '' this debt onto my credit report as being opened XX/XX/XXXX and owing {$1200.00}. They have also falsely and illegally reported twice on this same account for another {$1200.00}, and have falsely said this was opened XX/XX/XXXX. XXXX recovery services has illegally harmed my credit on a debt that is not mine. XXXX  and XXXX cleared this identity theft over XXXX or 4 years ago. I have written XXXX with no response. I have asked them to remove this from my debt as I do not owe on this debt. Not only have they refused to give me information on this debt, they have now double reported on my credit report in an effort to collect more money from me. My next step is to sue them in court if this is not resolved. I have attempted to get this fixed for almost 2 years now with XXXX. They have falsely reported wrong information on my credit report with XXXX, with the sole purpose of keeping this debt " alive '', when it should have been removed from statue of limitations in XXXX and when this was found to be used from identity theft years ago. Because this information was removed over 3 years ago from my credit report I did not keep that paperwork as I thought it was final. Then XXXX parked this old debt after purchasing it wrongfully after the fact when it had been removed from my credit report. The original debtor was HSBC and had been removed from my credit report only for them to sell this wrongful debt to XXXX after it had been found to be part of several accounts used as part of identity theft. I have asked for any signatures of mine, driver license, proof that this was my account and have yet to receive anything back. Please help me get this matter resolved as I feel extorted to pay two debts on an otherwise clean credit profile while Im looking to purchase a home. After an inquiry on a mortgage is when the 2nd reporting of the {$1200.00} debt was added to my credit report. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-27
Company: Resurgent Capital Services L.P.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid off a debt from XXXX XXXX XXXX. XXXX XXXX is reporting the debt as paid off on my credit. XXXX XXXX Charged off the debt and sold the debt to XXXX XXXX. Selling this debt includes giving my name, ssn, addr, dob. to allow XXXX XXXX to extort money from me this is akin to ID Theft and violates FCRA FDCP statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-24
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
My Equifax hasnt been updated since XX/XX/2016. Showing on There is a collection account in the amount of {$580.00} which says its still open and under the name of XXXX XXXX XXXX. I called XXXX and they told me they sold th account to a different collection agency which has been correctly and accurately reported to on XXXX by XXXX XXXX. I paid the account off in XX/XX/XXXX and they recently took it off my credit report. When I contacted Equifax the first time I had no issue with them creating an investigation into my account and my request for info to be updated. There is an inaccurate address reported by them which I requested to be taken off and I requested they update my account. I waited 2 weeks and when I called back they said the information I gave them to verify my identity was reporting inaccurate and they would not update my account unless I sent by fax a copy of my social security card and my I.D . Which I dont feel comfortable doing that

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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:
I requested a new credit card from capital one. Mailed out. Seems my mail has been stolen from the USPS system by a letter carrier at an XXXX. Charged at XXXX transportation at XXXX XXXX honore XXXX XXXX Il. XXXX XXXX is owned and operated by the below contact found by using sec of state here in Illinois and XXXX Name XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Phone number XXXX I live at XXXX XXXX XXXX XXXX XXXX ok XXXX which is 22 + miles away.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-24
Company: EQUIFAX, INC.
State: NY
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 am a victim of Identity theft. I have provided proof of my ID, Identity theft report from the Federal Trade Commission and a notarized Identity theft Affidavit proving it is in Fact me that submitted this report. And a letter citing all the fraudulent accounts on my credit report. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information on my consumer report. Failure to comply is a violation of my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-27
Company: Experian Information Solutions Inc.
State: NM
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 and Experian are ignoring my requests to investigate, verify and correct accounts in my credit reports that are reporting incorrectly.

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 2018-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
Trans Union, XXXX and XXXX  are ignoring my requests to investigate, verify and correct accounts in my credit reports that are reporting incorrectly.

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 2018-10-27
Company: EQUIFAX, INC.
State: NM
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, Equifax and XXXX are ignoring my requests to investigate, verify and correct accounts in my credit reports that are reporting incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: National Credit Systems,Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The original apartment XXXX XXXX  states I owed last months of rent from a lease XX/XX/2016. I paid by money order in the office and then years later National systems a third party debt collect places debt of {$470.00} on my credit but sent a letter saying I owe real {$750.00}. 

How it is that you dont have my payment but yet you are providing misrepresentation of the amount you claim I owe. 

The document has no interested added but I list of fees I never had to pay with my rent in the first place

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20
Company: Ditech Financial 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: Account information incorrect

Complaint:
I agreed to a payment arrangement with Ditech to pay {$350.00} per month via automatic payment in XX/XX/XXXX. This arrangement was made regarding a charged off second mortgage from XXXX XXXX that Ditech had purchased and collected on. Ditech stated that the payments would reflect on all three credit reports, XXXX, XXXX, and XXXX. I have sent multiple requests to Ditech, XXXX, and XXXX to update the reporting of this account on the credit reports. I received multiple letters from Ditech that state the account was defaulted on in XXXX, charged off in XXXX, and a monthly payment of {$350.00} has been paid on time in XXXX, XXXX, and XXXX of XXXX, and XXXX through XX/XX/XXXX. I submitted these letters to XXXX and XXXX agencies for correction of my credit reports. I have received the same response from both XXXX and XXXX of adding a comment to the report that consumer disputes and payment arrangements made on charged off accounts.There has not been any change to the closed dates and the payment grid still states that no payment has been received during these months. Please see the attached copy of how this account is being reported by XXXX and XXXX. XXXX lists all the above referenced months as FP which is translated to mean FAILED TO PAY and XXXX states no payment received. Ditech stated they would update and report the payments and have not reported these payments as was agreed. I feel that the collection practices Ditech used by stating the payment history would include the regular payments was unfair collection practices. Further, the credit reporting agencies XXXX and XXXX are not taking steps to ensure accuracy on my report or responding to my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/XXXX, I contacted Transunion directly via telephone to file a dispute. They stated I need to mail in the documents I had for the dispute along with a cover letter with a report number. I did this the same day via priority mail with my local post office. They received everything on XX/XX/XXXX. 

Today, XX/XX/XXXX, I received a post card from Transunion stating they had added a fraud alert to my account as requested. The post card shows an issued date of XX/XX/XXXX. I immediately contacted them via telephone and spoke to a supervisor after another representative could not verify my identity. The supervisor asked the same questions that the previous person asked me. One of the questions was about an account that was opened in XXXX of XXXX and what the credit limit was. Since I opened multiple accounts in XXXX around that time, I stated I could not accurately answer that. The supervisor stated they could not do anything about the fraud alert on my credit report because he could not verify me because of that one question. 

I then questioned him on how Transunion can even add a fraud alert to my credit report without my authorization and he could not answer. I informed him that I never requested it in the first place and never authorized Transunion to add the fraud alert and that his company commited fraud. 

I then went on to question him on how he could verify me by my social security number to pull up my credit report along with my middle name and suffix, but couldn't do the same to remove the fraud alert that Transunion fraudulantly added to my credit report. Of course, he could not answer the question.

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