BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-10
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:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX To Whom it May Concern : Experian XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. The following inquiries are related to none of the aforementioned permissible purposes. XXXX XXXX from XX/XX/XXXX, XXXX Inquiry from XX/XX/XXXX, XXXX/XXXX XXXX Inquiry from XX/XX/XXXX, XXXX Inquiry from XX/XX/XXXX, XXXX/XXXX Inquiry from XX/XX/XXXX, XXXX XXXX Inquiry from XX/XX/XXXX, XXXX XXXX Inquiry from XX/XX/XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 non-monetary relief
Consumer complaint received 2019-11-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I had my Walmart Card with XXXX XXXX. Apparently they were bought out by Capital One. I made my XXXX payment and they say they never received it. I tried calling XXXX and was given the number to Capital One. I had already called them and they said they didn't show the payment, that I would have to contact XXXX. They charged me a late fee, which will be reported to my credit report and they said that they were not honoring my original contract. This should be against the law. I did not sign a new terms agreement. My payment went up from {$25.00} to {$35.00} because Capital One charges 1 % of the balance. XXXX did not do this. They should not be able to do " business as usual '' because they bought out other contracts. They should honor the original contract.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-13
Company: Check Fraud Services
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Hello, Today, I fell victim to a student loan consolidation fraud and I need assistance. I received a phone call saying they ( XXXX XXXX is the marketer that called ) were associated with the student loan advisory board and when I called the number he left, ( XXXX ) XXXX, they said they were with the Department of Education, which I now know was a scam but did not catch it sooner. The promised to consolidate my loans and spread out my fees for this over 4 months paying {$210.00} a month, and {$160.00} plus {$19.00} afterward for 120 months. 

The number that called me was ( XXXX ) XXXX, and his name is XXXX XXXX. The person I spoke with XXXX who's emplyee number is XXXX Station : XXXX and phone number is XXXX. 

Please help.

Company response to consumer: Untimely response
Consumer complaint received 2020-11-27
Company: DISCOVER BANK
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY. 

LEGAL DISPUTE REQUESTING FULL DISCLOSURE OF TRUE TIMELINES PERTAINING TO TRADELINE PROCUREMENT, IN ADDITION TO ACTUAL PAYMENT HISTORY PROVING ACTUAL INITIAL DATE OF FIRST 30-DAY LATE PAYMENT HISTORY, THUS TRIGGERING THE 7-YEAR RULE THAT RELATES TO ERRONEOUS OR OBSOLETE INFORMATION. 
605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. 
( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period.

( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years.

( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.1 ( b ) Exempted cases. The provisions of subsection ( a ) of this section are not applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more ; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more. ( c ) Running of reporting period. ( 1 ) In general.

The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: EQUIFAX, INC.
State: MA
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:
ON XX/XX/2021 I SENT THE XXXX CREDIT BUREAUS LETTERS TO EXPLAIN THEM THAT I I WAS A VICTIM OF IDENTITY THEFT AND I SENT THEM A LETTER WITH A FTC AFFADAVIT. THEY HAVE YET TO THIS DAY TO RESPOND.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: Levy & Associates, LLC
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
In the mail, I received a Warrant of Debt letter from Levy Law Firm Co. , LPA stating I had to appear in court for a medical collection. I was NEVER aware of this medical bill. It was never reported on my credit report. I will be showing up in court with my lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: BSI Financial Holdings, Inc.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
This has to be a follow up from the complaint that was closed.This is response is unacceptable. This is still not resolved. ( XXXX ) The named individual in the response is unreachable and has left no specific extension on which to contact her in the letter. I WANT AN EXTENSION TO SPECIFICALLY SPEAK TO XXXX. THE GENERAL NUMBER DOES NOT ALLOW ANY OF THE REPRESENTATIVES TO CONNECT YOU WILL HER. 

I would like this in the record please and I have no problem telling what has been done to me. I fell behind on my mortgage because I was sick in 2019 ( XXXX ) and after recovering, I was hit with XXXX  in late XXXX as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Not working until the start of this month. 

The investors responsible for my home have formulated a repayment agreement set up for failure asking for more than what I can afford for over nine months. The way this is written they will easily be able to take my home. 

This organization does nothing to help the consumer. They should be ashamed of themselves including the investors. 

I would like an opportunity to catch up my loan on a Forbearance. In this way I will be able to catch up by XXXX. 

I want someone who can help me to this. As stated I want to talk to XXXX not be brushed off with a letter with no extension. 

There are two different agreements I am attaching : The repayment is not going to cut it. If I am just going back to work, how can I afford to this like this? They will take my home for sure. The initial agreement allows me to pay what I can up until XXXX. This is more doable. The second agreement increases my mortgage payment over nine months.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-30
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 have several hard inquiries on my credit report that I do not recognize : - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX - XXXX XXXX ( yes a second time )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-10
Company: U.S. BANCORP
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
THIS COMPLAIN IS REGARDING SOME TRANSACTIONS MADE ON XX/XX/2017 USING ELAVON WHICH WAS RECOMMENDED BY UNION BANK TO PROVIDE A BETTER AND EASIER SERVICE TO OUR CLIENTS. THE INFORMATION PROVIDED WAS THAT WE DID NOT HAVE A LIMIT OF TRANSACTIONSA DAY, UNFORTUNALLY THE FIRST AND ONLY DAY ELAVON WAS USED WITH OUR FIRST CLIENT THAT HAD A PAST DUE BALANCE OF {$11000.00} STARTED THE ISSUE. ON THAT DATE 22 TRANSACTIONS WERE MADE IN LESS THAN 1HR BY OUR CLIENT REQUEST TO KEEP AS RECORD EACH INVOICE PAID WITH IT OWN RECEIP. ELAVON REPRESENTATIVE : XXXX XXXX | Fraud Analyst Elavon | Loss Prevention XXXX XXXX XXXX, XXXX, TN XXXX T. XXXX| F XXXX |XXXXXXXXXXXX CONTACT OUR CLIENT TO AUTHORIZE THE 22 TRANSACTIONS MADE IN THAT PERIOD OF TIME AND TO MAKE SURE WAS NOT A FRAUD, OUR CLIENT ACCEPTED, AUTHORIZE AND PROVIDED ALL INFORMATION REQUESTED BY ELAVON REPRESENTATIVE ... 2-3 DAYS AFTER I SPOKE TO ELAVON REPRESENTATIVE AND INFORMED ME THAT SHE AND HER MANAGER DECIDED TO HOLD THE MONEY FOR ANOTHER 60 BUSSINESS DAYS BECAUSE TO THEM SEEMS THAT A FRAUD WAS MADE EVEN THOUGH THEY SPOKE TO THE CARD HOLDER AND EVERYTHING WAS AUTHORIZE. I HAD TO RECUR TO UNION BANK WHICH THEY ALSO TRYED TO GET OUR MONEY REALESE BUT THE REPRESENTATIVE DOES NOT RESPONDE TO THEM. IT HAS PASS MORE THAN 60 DAYS AND STILL ELAVON HAS NOT RELEASE THE AMOUNT, MY COMPANY HAS DONE AND PROVIDED ALL INFORMATION REQUESTED BY ELAVON ( proof : emails and calls ), ELAVON IS RETAINING MY COMPANY 'S MONEY AND THEY ARE NOT PAYING THE INTEREST, THE EQUIPMENT PROVIDED BY ELAVON TO MAKE TRANSACTIONS IT IS FULLY PAID. THIS COMPANY IS MANAGED BY XXXX ( poor english speeking ) OWNERS AND SINCE THE TIME WE HAD A HARD TIME TALKING TO THE REPRESENTATIVE AND SHE AND ME AND MY WIFE NOT ABLE TO UDERSTAND EACH OTHER XXXX CHANGED ATTITUDE AND WAS WHEN SHE DECIDED TO GO UNDER AN INVESTIGATION OF 60 DAYS BECAUSE SHE THOUGHT IT WAS A FRAUD. IT IS NOT FAIR BY HER SIDE AND WE ARE VERY UPSET TO NOT BE HELP BY ELAVON REPRESENTATIVE AND SPECIALLY CALL A FRAUD TO A HAND CLEAN CLEAN. TO US SEEMS IT IS A RACIST ISSUE. UNFORTUNALLY WE LOST OUR CLIENT DUE TO ELAVON ISSUE AND DONT WANT THAT TO HAPPEN AGAIN. THANK YOU FOR THE TIME AND HOPE SOMEONE CAN DO SOMETHING REGARDING THIS 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 2017-08-10
Company: Commonwealth Financial Systems, Inc.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have asked for a copy of the instrument with my signature that indicates that owe the amount they say. I have sent my request via certified mail, disputed with the BBB and filed a complaint with the company 's state attorney generals office and the credit reporting agency. All of them have done nothing to resolve this daragtory information being reported on my reports. The only thing that has been given a very questionable statement that looks like it was cut and pasted together and has information from some other personal. This is not my debt and I have know knowledge of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
In XXXX I opted into a biweekly payment plan with Ocwen, and made my payments under the belief that I was paying down my mortgage with a thirteenth payment. In XX/XX/XXXX I made a payment at the beginning of the month, and I was in a automatic debit program with Ocwen. After the first payment in XXXX I noticed none of my payments were being withdrawn from my account and contacted Ocwen on XXXX XX/XX/XXXX to enquire why my payments were not being debited. Upon speaking to the representative he stated that the automatic debit system was down and stated that I could not make a payment until XX/XX/XXXX. In XXXX I made a mortgage payment and waited for Ocwen to request the back mortgage owed, I was afraid if I made the two payments they would just go to principle and I would still owe the 2 back payments. Around Spring of XXXX I received a call from Ocwen where the female representative stated that I qualified for help from a Maryland Agreement, and I was afraid they were foreclosing from my missing two payments, but after discussing reducing my principle the representative stated " Oh this is a VA mortgage, you don't qualify '' then she hung up. In the Fall of XXXX I received a letter asking me to opt into a review of my accounts with Ocwen, and I agreed hoping whatever happened in XXXX thru XXXX of XXXX would be revealed and I could find out what happened, I was afraid at this point they had just extended my mortgage 2 months. I recently called them after a year had passed and I never heard what happened to my mortgage review and now I know what they did, they cut off the automatic debit on XXXX XX/XX/XXXX and used my two years of biweekly payments to cover the two months the system was supposedly down so that I could accrue extra interest for those two years, and when I asked them why offer the biweekly payment plan if they weren't going to credit it to the account the representative said it was there so I could pay ahead on my mortgage ... .that is not how the product was sold to me. So to sum it up, they cut off debit, lied to me just to steal two years of principal off my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: DISCOVER BANK
State: OH
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:
Discover card. Not my debt, Ive disputed it multiple times and had a credit dispute agency do the same. Theyre refusing to remove the debt off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: TRUIST FINANCIAL CORPORATION
State: SC
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:
BBT never sent paper bill for a credit card that had a {$100.00} balance. We then never rec 'd a phone call from them either stating that we were past due. Account balance has been paid off since beginning of XXXX and they have refunded late charges. Credit card has a credit on it. It caused our credit scores to drop 100 points for both my husband and myself. I have tried multiple time to talk to them about it and have filed disputes with all credit bureaus. They are continuing to report that we have a balance on the card even after refunding our late charges. They reported this info to the credit bureaus during a pandemic in XXXX for a XXXX $ overdue charge that we knew nothing about. This card hasn't had a balance in months, but has a {$13000.00} limit. When I questioned BBT on why no one had called us, no one could answer. We checked the contact numbers and they had incorrect ones from years ago. They have ruined our ability to be able to refinance our home and haven't been willing to to work with us. Both my husband and I have always had perfect credit scores and this card is paid off. We would appreciate BBT doing the right thing and taking this info off of our credit, admitting their wrong doing ( as is evident from the refund of the late fees ) and showing that this balance has been paid off for weeks now.

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 2020-07-06
Company: EQUIFAX, INC.
State: MD
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:
Equifax has continued to report inaccurate information on my report. I have dispute for a year and now hired a law firm. They send generated messages XXXX verified which is a lie because I have NEVER received signed documents or original, or any paperwork for that matter that is required to prove my federal law. I have requested help from them, PROOF and nothing but generic responses. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX were stolen from me. I have sent requested fraud reports 3 times to collections companies and they say they dont get it. Its a run around game and I am now seeking legal help. I have not received anything from them but lies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: Velocity Portfolio Group
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
CKS PRIME INVESTMENTS ATTEMPTS TO COLLECT A DEBT. ( DEBT BUYER - NEW JERSEY } I HAVE SENT A WRITTEN REQUEST TO DEBT BUYER REQUESTING VALIDATION AND VERIFICATION OF THE ALLEGED DEBT.

NONE RECEIVED/NO RESPONSE.

ALLEGED DEBT HAS BEEN REPORTED TO XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2016, I was given the go ahead to buyout my rental lease and was given the information that I must pay approximately {$2300.00} and be out by the end of XX/XX/2016. I paid that total and still had a {$1000.00} deposit to apply to any damages. When we left we took pictures and there was nothing wrong with the house, but then they put on our credit report that we owe over {$1600.00}. They send a detail statement that says we owe for painting a house that we have been there for over 2.5 years and the original company was brought out by two other companies and no one came to do a walk through from previous XXXX. I have tried numerous times to rectify with current company, but they have sold to a third party and they have no idea the situation.

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: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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:
This complaint is in relation to my Capital One credit card. The payment due dates are always the first day of each month. On XX/XX/XXXX, I made my payment at approximately XXXX or XXXX XXXX, Central Time, where I reside. When I made that payment, the recording told me that my payment would post on XX/XX/XXXX, rendering it one day late. I understood that there was a late payment charge if I made the payment after XX/XX/XXXX. I immediately called customer service and they told me that I may not be charged a late fee and to wait for a billing cycle. Customer service indicated that they would reverse the late fee if it appeared on my statement because the payment was made on XX/XX/XXXX in a timely manner.
I received my XX/XX/XXXX statement and the statement included a {$25.00} late fee. I called customer service three times and they declined to reverse the late fee. They indicated that the payment was received after XXXX XXXX Eastern Time. Their cut off is XXXX XXXX Eastern Time. I told them that I reside in the Central Time Zone and in any event, the payment was made well in advance of XX/XX/XXXX. My statement reads " Electronic Payment Date XX/XX/XXXX '' and then posts for XX/XX/XXXX. I believe that this is a penalty and not a real fee to cover Capital One 's expenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 AM A XXXX XXXX AND HAVENT BEEN ABLE TO KEEP TRACK OF MY CREDT. I SAW MY CREDIT REPORT AND I COULDNT BELIEVE THESE ACCOUNTS WERE ON MY CREDIT. NOT ONLY ARE THESE ACCOUNTS FRAUDULENT ON MY CREDIT BUT I ALSO HAVE INQUIRIES THAT ARE FRAUDULENT. I UNDERSTAND THESE ITEMS HOLD MY CREDIT SCORING DOWN. PLEASE REMOVE THESE ITEMS FROM MY CREDIT.

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