BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-13
Company: SELECT PORTFOLIO SERVICING, INC.
State: MA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
When my HELOC loan was transferred to Select Portfolio Servicing ( SPS ) in XXXX they started charging me for Home Owners insurance. XXXX XXXX the company with the 1st lien was already escrowing for home owners insurance. I sent to poof of insurance to the company back in XXXX. I noticed approximately 3 months ago I was still being charge for the insurance. I sent proof to SPS of the insurance I had with XXXX and my Statements from XXXX XXXX that they were escrowing for the insurance. I was told it would be resolved in 3-5 business days. I them called them again a month later as I had heard nothing from them and again they told me I would hear from them in 3-5 business days. I then called them back again about a month later and they again told me I would hear from them in 3-5 business days. Today XX/XX/XXXX I called them again and I was told they have not been escrowing by the first person I talked too then I was transfer to a " Manager '' and he told me he would research the issue and it would take 24 - 48 hours. I have no confidence that anything will be settle without legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
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 status incorrect

Complaint:
I have a credit card from XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX with no successful resolution. XXXX, Equifax, and XXXX  reporting me 30 days late in XXXX XXXX. There was an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-01-24
Company: EQUIFAX, INC.
State: NM
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 am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: SYNCHRONY FINANCIAL
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:
Charged back amount of {$80.00}, I disputed transaction and was unable to obtain a credit. We went to an establishment, and none of the machines or food services were available, but because we walked in, we were unable to get our money back. This was all told to XXXX  but they closed the dispute and didnt return funds back.

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 2022-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Since and XX/XX/XXXX and XX/XX/XXXX, I have not been getting the inaccuracies, incomplete, and misreported data corrected despite all the hard work of sending certified mail, losing time and money due to Transunion deliberate scheme to willful non-compliance. On XX/XX/XXXX Transunion received my certified mail with evidence of address, Unexpired GOVT ID and SSN Card by certified mail On XX/XX/XXXX, Transunion confirms receipt of all my documents to support my legal identity. Transunion is still not abiding by the laws of the FCRA by only responding the accounts reflecting derogatoriness are transferred with no further action from Transunion. I am asking for the CFPB to intervene due to the negligence of Transunion. XXXX shares the same data from the said furnishers as Transunion ; XXXX acted ethically and removed reaged student loans in question which would have been deleted in 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 non-monetary relief
Consumer complaint received 2023-07-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
capitol one acct was paid in full XX/XX/XXXX and they reported it to credit agency but they have not adjusted the amount on my balance and closed the account even though it was paid in full. They continue to collect something that was already paid by a negotiable instrument.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This is my complaint about EQUIFAX. I accept that my data is being abused and detailed as wrong. In my credit report from XX/XX/2023, I discovered some slanderous things that I didn't know about. I found late installments which never occurred and accounts with mistaken data, like installment history, status, balances, and date of last action. As per 15 U.S.C. Area 602 and 15 U.S.C. Segment 604 A Part 2, I have the right to protection and a buyer revealing office can't outfit a record without my composed directions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-25
Company: FIRST NATIONAL BANK OF OMAHA
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX are incorrectly reporting me as an Authorized User on the FNB OMAHA Credit Card partial account number XXXX. ( Please see page 7 of the attached credit report. ) I called FNB Omaha and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however XXXX  and XXXX have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.

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 2021-04-07
Company: EQUIFAX, INC.
State: OH
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 previously submitted a dispute regarding XXXX XXXX that was deleted and then reinserted. Please remove this account from my credit report. My correct name is XXXX XXXX : Please delete these incorrect variations of my name : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX My current address is : XXXX XXXX XXXX XXXX, XXXX, OH XXXX. Please remove these addresses I have never lived at or may belong to a relative : XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX CT, XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX OH XXXX, XXXX XXXX XXXX, XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Ok, about 10 days ago, I complained to XXXX about how a rep of theirs on Sunday XX/XX/XXXX told me the Interest charge for XX/XX/XXXX would be removed and it would reflect in my account within 24-48 hours.  As of today, this still has not occurred.  Add in the fact that 3 separate reps told me this was under investigation.  Then today, I checked AGAIN, as nothing has occurred, and I was transfered to a manager.  In our chat, this was the response I got (From a cut and paste by me)  "XXXX - Supervisor: Thank you for your patience. I have reviewed all notes on the account and several responses were already made as well, which were mailed to you regarding your request. I don't want to provide any false expectations regarding your concern. We have yet to see any proof of the possible error made and/or promised to you on this account, thus, no credits had been applied for the interest charge waivers you requested. There's also no notes of an escalation, I'm sorry."  THIS IS WRONG!  Why can't they get their notes straight?  Not only was I promised this XX/XX/XXXX interest charge, I was also promised another $XXXX for the XX/XX/XXXX interest?   Now I get this line over and over?  I also got this response from the email online message system on XX/XX/XXXX-XX/XX/XXXX XXXXSynchrony BankXXXX XXXX Credit Card Billing InquiriesThank you for your recent inquiry regarding your XXXX account, and the opportunity to be of service to you. Due to the nature of your inquiry, we have escalated your request to our corporate office for handling. You should expect to receive a written response within 7 to 14 business days. We appreciate you as a valued XXXX customer and hope you will continue to shop with us.  If you have any questions or if we may be of further assistance, please contact us via the Online Message Center or at the toll-free number below. Sincerely,  XXXX XXXXCustomer ServiceXXXX

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 2023-07-16
Company: John C. Heath, Attorney at Law, PLLC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
XXXXXXXX XXXX XXXX  still has complaints on my credit report, and those should be removed because I claimed bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: Resurgent Capital Services L.P.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2019, LVNV FUNDING LLC add a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/ sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also, there was No written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, LVNV FUNDING LLC has violated my rights as a consumer and Im requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My credit card company Capital One is not resolving a dispute I have with a merchant. In XXXX of 2019 I made a reservation with a company called XXXX XXXX XXXX to stay at the XXXX XXXX XXXX XXXX for XXXX XXXX. The company charged my capital one credit card {$490.00}. In XXXX of 2019 XXXX XXXX XXXX emailed me and stated that their company is closing and that I needed to contact my credit card company for a refund. The company could not be reached. I reached out directly to the XXXX XXXX XXXX XXXX who confirmed that the reservation had in fact been canceled and they did not receive payment for the room from XXXX XXXX XXXX. The XXXX XXXX XXXX XXXX reserved a room on a NEW reservation and I payed the XXXX XXXX XXXX XXXX   DIRECTLY for a stay at their hotel on XXXX XXXX. In XX/XX/2019 I submitted a dispute on the transaction from XXXX XXXX XXXX with Capital One. Capital One received my complaint and assured me that the case was very simple and that they would contact me if they needed further information. I received a letter in the mail from Capital one around XXXX stating that Capital One had not heard from the merchant and they considered the dispute closed. On XX/XX/XXXX I checked my capital one credit card and saw that the company had reversed the transaction of refunding my {$490.00}. I called Capital One to inquire and they stated that XXXX XXXX XXXX had provided the receipt from the transaction where I was originally charged claiming that was proof that I had stayed in the hotel. After being provided the information to Capital One to send them my documentation proof ( which they had refused in the past to provide me stating they did not need my documentation ) I sent all of my documentation- including statements from the XXXX XXXX XXXX XXXX of the cancellation from XXXX XXXX XXXX, my rebooking confirmation, the statements FROM CAPITAL ONE showing that I had been charged by both Hotels for Everyone and the XXXX XXXX XXXX XXXX for the exact same stay from XXXX XXXX, 2019 and several other pieces of proof making it very obvious that this company defrauded me. Capital One has now had this documentation since XX/XX/XXXX and I have called them repeatedly asking about the status of the dispute. I have constantly been told that " the back office is working on it '' and was assured that there would be some status as to my dispute by XX/XX/XXXX ( obviously not ). The company will not remove the transaction from my credit card and it is currently accruing interest. This is a very clear cut case of a company defrauding their customer. Capital One needs to remove this transaction from my credit card in accordance with the Fair Credit Reporting Act. I am happy to provide all the documentation I provided them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-15
Company: Professional Recovery Management
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy, accuracy and fairness 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions See screenshots to show how the reporting makes no sense. Fox collection failed to validate this or explain to me why these inaccuracies exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
On XX/XX/2019 I purchased a XXXX XXXX XXXX XXXX XXXX 3 Seater Sofa XXXX from XXXX  XXXX  through their website XXXX under order # XXXX. 

Unfortunately, the sofa I received is defected and is not the correct dimension as advertised and verified by the XXXX XXXX Quality Control Department because the sofa was delivered today with the incorrect dimensions of XXXX vs XXXX, XXXX vs vs XXXX, and XXXX vs XXXX. 

To resolve the problem, I have contacted the merchant without an acceptable response to resolve the issue. Provided the merchant and Capital One all requested information to document the measurements of the sofa being disputed. Enclosed are copies all email communications with the merchant, written email communication from the merchant acknowledging the sofa delivered was defective with the incorrect measurements, receipt for proof purchase detailing the measurements advertised by the merchant, email communication advising the merchant on XX/XX/2019 the sofa is available for inspection and measurement by a XXXX XXXX representative or pickup for return at their discretion. 

Despite providing Capital One sufficient documentation to support the dispute claim under Claim # XXXX, your dispute claim representative has refused to continue my claim process and reapplied the disputed charge to my account for the amount of {$2500.00} on XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: UMPQUA HOLDINGS CORPORATION
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In XX/XX/2020 I deposited numerous checks totalling XXXX. 
immediately after depositing the checks my account was frozen my debit card was frozen and reported as lost or stolen by the bank themselves because I never called to report that. I've called them numerous times to have my funds released or to mail me back the checks or to do something but they have done nothing and I want my money it's over {$7000.00}. I've been a customer with this bank for over 2 years and I'm just really confused as to why all of a sudden they're harassing me like they are I just want my money I want to close my account and I want my money. And I want this complaint listed as a complaint on their site or wherever you guys do that

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 2019-11-05
Company: ECMC GROUP, INC.
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
ECMC is ruining my credit report and quality of life. I have been paying these student loans for years and Im paying currently $ XXXX monthly payments and they have and are still reporting Im late, delinquent with no payments monthly. I keep being denied a mortgage loan to support my family and Im paying on time automatic payments monthly. They are reporting false information as Ive been time and making faithful payments. They are affecting my well being and livelihood due to their reporting. I have all statements showing Ive been paying and on time. Please update so I can continue to provide a place for my family.

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 2019-06-11
Company: EQUIFAX, INC.
State: NV
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:
I applied for Credit on XX/XX/XXXX and I got a denial of credit. The reason is past credit not paid. Yet all the credit was included in Chapter XXXX BK and should not be affecting me as it was discharged 2 years ago. The credit reporting agencies also keep ageing the debts included in the BK.. 
2nd complaint I tried to remove a fraud allert on my credit files in writing. All 3 agencies returned a letter stating it isn't there but, I'm getting denials for it being there.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
Company: ZWICKER & ASSOCIATES
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
On XX/XX/19 spoke with Zwicker and associate XXXX XXXX and set up a payment plan. They indicated to us that after they receive the first instalment payment they would put the legal action on hold and we didn't need to respond to the court order. After allowing them to withdrawal XXXX for our first payment which was taken out of my bank account we recieved papers from them the following Monday to sign and return within 7 days from the agreement date which is roughly 3 days. These papers are the oppposite of what we agreed to and we called and spoke with they attorney Mrs. XXXX at XXXX and she refused to take responabilty. Further she said that we could not record the conversation and I told her that her practices were deceptive and she said she had to end the call. this is DECEPTIVE PRACTICES AND AGAINST THE LAW!!! We also contacted the original creditor, XXXX XXXX and filed a complaint. We have no intention of signing a jusgement order after they told us that it would be dropped as long as payment arraingments were set up and they recived their first payment. I feel as if I need to file a counter claim and sue them for deceptive practices. I do have a appointment with an attorney this evening.

Company response to consumer: Closed with explanation