BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-10
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21
Company: IMPAC MORTGAGE HOLDINGS, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
XX/XX/XXXX We had a balance in our escrow account of {$1400.00}. We refinanced and instead of refunding the amount to us because they had just paid our taxes XX/XX/XXXX they applied the balance to the new loan. From our understanding we did not need cash to close. I asked the mortgage company about it and they said because we are refinancing with the same company they are allowed to use the escrow balance for the new loan. Is that correct?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Under Section 611 of the FCRA, by Law I did n't receive a Letter Notification of Re-Insertion of Inquiries within 5 days or at all. I called Transunion in reference to their Error in their System and Customer Service did n't take care of it, help me nor Remove the Inquiries on my Credit Report. Credit Inquiries on Report : XXXX XXXX - XXXX XXXX XXXX XXXX, MD -XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XXXX -XX/XX/XXXX I did not Authorize these Inquiries nor autograph my signature on an application to pull my Credit Reports.

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 2020-10-15
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Hello yes Im filing a complaint on National Credit Adjusters in reference to a pay day loan thats not mine that they said I had with XXXX XXXX. This fraudulent account has been resolved earlier this year which was bought by another collection agency and has been deleted and removed from my credit report. This National Credit Adjusters are now calling me about a fraudulent debt that has been taken care of and trying to use these scare tactics and threatening to put this back on my credit after this account has been removed by the credit bureau. I told them to stop harassing me about this and they still sent letters to my place of residence and its just very annoying especially when hes constantly stating and saying yes it is your debt we have your signature and contract which I know thats a lie. I am at the point where Im going to file a law suit for them harassing and calling my phone over and over from different numbers after I told them to stop calling me. I cant remember the guys name I talked to but he kept insisting that it was my debt and was going to report it to the credit bureau. I dont know these people or company and I really need them to stop and this better not show up on my credit report again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
I had 2 purchases of a product using XXXX which was supported and paid for on my Capital One Credit Card. The items I purchased purportedly from a US company turned out to be from a XXXX company. The product was a cheap replica of the advertised merchanidise and no where near the what the advertisement claimed it was. When I complained to the merchant, they were very precise in their wording, stating that they shipped the product as instructed, that although it was exactly what was advertised it was very close and still offered some of the advertised benefits and that they offered to allow me to keep the product and give me a 50 % refund. 

I accepted on the smaller order but refused on the larger order as you will see in my uploads and stated that they needed to provide me with an RMA and prepaid return mail and 100 % of my money back. Capital One stated its VISA 's policy that there is nothing they can do becuase I was offered a partial refund and refused it. 

This was a scam by a XXXX company to sell something other than what was advertised. They even admitted it in an email and now both XXXX and Capital One Visa are telling me I am out {$290.00}. The name of the fraudulent company is XXXX XXXX and they are selling knock off XXXX XXXX ballistic helmets that are nothing more than cheap childrens plastic toys. these are supposed to be XXXX helmets - they are nothing of the sort.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-09
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: Account information incorrect

Complaint:
I have had a XXXX XXXX account reporting on my Equifax, XXXX  and XXXX   for a while now as a charge off status, XXXX  has reported it in XXXX and starting XX/XX/XXXX and has not updated since then, Equifax has been reporting but has not been showing in payment history, XXXX last reported this account in XX/XX/XXXX collection. It is evident that XXXX XXXX is not only erroneously reporting this account on my personal credit profile but it is also not reporting information correctly. As a consumer I am aware that under the Fair Credit Reporting Act any information that is incorrect, inaccurate and unverifiable is sufficient for removal. This should not be reported negatively. The documents provided will represent as such.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: EQUIFAX, INC.
State: NC
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:
Upon reviewing my credit report, I noticed that there are several errors on there that are severely impacting my credit. Please investigate these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
on XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response 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 2020-05-18
Company: Experian Information Solutions Inc.
State: AR
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:
This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report I saw an outragous amount of account under my name that are not mine. Please delete these items from my report. XXXX XXXX  XXXX XXXX   XXXX  XXXX {$570.00}

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 2022-01-05
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
In XX/XX/2021, I saw that those items were being reported and sent out a formal affidavit to all bureaus to have these fraudulent items removed. As of XX/XX/2021, I notified LEXIS NEXIS, XXXX, XXXX, and XXXX of unlawful and unauthorized reporting of unknown inquires and chapter XXXX bankruptcy being reported on my credit reports with all aforementioned bureaus. I have provided proof below.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I need some help, there is an inaccurate account listed which is FALSE information and I have brought it to the attention of Experian which I received there response stating they aren't going to help unless I provide them with supporting documents which how would I have if it is inaccurate and false information listed on MY personal credit file and XXXX  how can they report inaccurate data like this how can one be current as of XX/XX/2012, 30 days XX/XX/2012 and XX/XX/2012 charged off. This account which is false XXXX XXXX XXXX needs to be removed

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 2020-10-18
Company: Lending Club Corp
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I already have made a complaint, on XX/XX/XXXX, against two different Ceditors, Lending Club ( Original ) and XXXX XXXX XXXX ( Current Creditor ). 
The Complaint number, # XXXX. 
You have requested a Feedback on XX/XX/XXXX. 
Feedback was due on XX/XX/XXXX. 
I am sorry and appologize for being unable to make any feed back. 
I have another Threaten made by a Debt collector, " XXXX XXXX XXXX ", who made telephone calls, from # XXXX XXXX, on XX/XX/XXXX and XX/XX/XXXX. I contacted them and explined the Fraudulant account history and my Financial Hardship. 
Tehn, I received another letter from the same debt collector, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX., XXXX. OH XXXX. XXXX XXXX. 

I aleady have submitted the necessary information and documents, against this Faudulant transactions. I do hereby dispute this Credit Balance of {$5000.00}. 
The original creditor has misused my monthly payments made in XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09
Company: Experian Information Solutions Inc.
State: MI
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 recently contacted Experian and spoke with a manager named XXXX and a team member of his named XXXX. He said they were part of the XXXX team. 

XXXX and XXXX informed me that it is my problem to to send valid proof to the creditor and furnisher about information that they provided to them. I thought that the credit reporting agency is supposed to verify the accuracy of anything that is being sent to them before they publish it on a consumer 's report. 

They stated that is the law but it doesn't work like that. So basically they were saying to me that anyone can add something to my credit file and it is up to me to send valid proof whether or not that information is correct but the creditor or furnisher doesn't have to send anything. That makes no sense is my reply to them. 

This is my third dispute with them and I keep getting the runaround and they are ignoring or disregarding the information I provided to them. It shows clearly that they are in violation of the FCRA regulations and they still will not remove the inaccuricies they are reporting. There are other multiple violations as well on my 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 2019-08-09
Company: AES/PHEAA
State: WI
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:
Auto-withdrew XXXX  from my bank account on XX/XX/2019 which is not the amount that I consented to when I signed up for automatic payments. I normally pay {$XXXX}. That is 720 % more than I have predictably paid. Called on XX/XX/2019 to explain the situation and asked for help. Was told any refund would take 60 days to process - this is totally unacceptable. I had submitted information to continue my income based repayment. Now I am severely overdrafted with my bank and racked up {XXXX of fees. 

They sent me a notice telling me to update my income based repayment on XX/XX/2019. I immediately completed it. It seems totally unreasonable to send me this notice and hike up my payment coming due 5 days later when they do not process these income driven repayment plans take 30+ days to process on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27
Company: Midwest Recovery Systems
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I checked my credit and saw an account from Midwest Recovery for {$220.00}. Not sure where it originated from but Im willing to settle the debt to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: Westlake Services, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I have tried to ask Westlake FinanciaXXXX for lower payments as I am struggling, I have also tried moving overdue payments to the end of the loan. There are always problems on their end with getting the paperwork to me and my cosigner, Everytime. Then I receive multiple, upon multiple calls everyday from different numbers from them. They will harass you constantly.

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 2019-02-27
Company: Eastern Account Systems of Connecticut, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2019, I sent a certified letter to Eastern Account System explaining to them that I don't recognize the collection items in the amount of {$82.00} and {$440.00}. I also asked them to provide me with proof that this is my debt if they feel like this is an accurate collection. Today is XX/XX/2019 and I have yet to receive a response from Eastern Account System. I would like for them to remove these 2 collections from my account as soon as possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25
Company: Experian Information Solutions Inc.
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: Information is missing that should be on the report

Complaint:
XXXX XXXX  loan and credit card ... .is not being reported as agreed and ontime I have had a balance increase and rendered extra payments to lower my balance. The account needs to reported monthtly and on time as agreed upon within the contract.

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 2019-05-30
Company: Experian Information Solutions Inc.
State: NV
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:
This issue is an existing problem which credit bureaus wasn't able to resolve.. Their investigation did not fix the account. They said they have verified it but did not give details on how their investigation went.. Payments were sent timely on this account and was never late..CFPB step up and fix this error 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 2020-07-05
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Contacted XXXX XXXX, and Equifax regarding inaccuracies in reported accounts contained on my credit files on XXXX XXXX via certified mail. Submitted information indicating the inaccuracies, however the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days.

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 2017-12-09
Company: Golden Title Loans LLC
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
On XX/XX/XXXX I applied for a loan, with XXXX cash. I went on line. and the manager XXXX XXXX XXXX sent me an email. to me stating she was Not going to let me apply for a loan due to a loan was taken out in my name in XX/XX/XXXX. stating that, was the reason. Not letting me come in and make arrangements or proving that person was not Me. She has since XXXX XXXX, and she used all of the information that was in my files, to get cars. loans and other items. She XXXX two months ago, and before she XXXX XXXX. she told me she was sorry she had done this me,. and other people with the same name and almost the same social security number. So XXXX XXXX should have told me to come in with the report from the credit bureau to show this adversity had been on my account some while. and alerts have gone out for this matter, XXXX XXXX being a lazy and incompetent manager, did not even look for that at all. she simple turned me down and kept going. and she wrote to me a sleazy statement and stated to Me she was not going to let me have a loan. Ok, that is a form of discrimination due to the fact, I have the paper work to show I am not that person and information on my credit files have been damaged. she did not do that for me. the solution should have been to come in and show the files and start from there, or work a payment plan for the remainder of the loan. this lady did none of that. I want to file against this company for alleged information and not looking forward to the correct information that has been placed on each of my credit files. She should have done a better job in her research and not turning people down. she is not supposed to do people like that Is n't she in business to perform. her Job. she could have state home today with her derogatory statements Because i CLEAR DID NOT NEED TO HEAR THEM. SHAME ON YOU DO A BETTER JOB NEXT TIME.

Company response to consumer: Closed with explanation