BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-25
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 status incorrect

Complaint:
A XXXX account in my name that I closed in XXXX went delinquent in XXXX for unpaid cancellation fees. I learned about it when I checked my credit reports in XX/XX/XXXX and saw XXXX XXXX was reporting to the 3 credit reporting agencies an amount as delinquent and owed to XXXX. I had never received any correspondence from XXXX. I called them and was told that I could settle the collection by paying the past due XXXX amount in full to them - not XXXX. I paid the amount due immediately to XXXX XXXX in XX/XX/XXXX. A month later, the account was not showing as paid and closed on the 3 reporting agencies so I filed disputes with the 3 agencies. The account was corrected showing paid and closed with the credit agencies but the reports show an " opening date '' on Equifax and XXXX for this delinquency as XX/XX/XXXX re-dating it by 4 years. I contacted XXXX  again and asked them to correct the date of delinquency to show the original XXXX date or remove the " opening date '' of XX/XX/XXXX but they refused. I disputed the date issue with the 3 credit reporting agencies. XXXX corrected the inaccuracy by removing the item completely. XXXX and Equifax responded that the incorrect information had been verified as correct by XXXX. XXXX XXXX states that they are reporting the date that they were given or " bought '' the account from XXXX. I contacted XXXX on XX/XX/XXXX and asked them to correct the date to the original date of delinquency or to ask XXXX to remove the information entirely because it is inaccurate. XXXX responded on XX/XX/XXXX that they are not able to do that because they are not the company reporting the information even though it was originally a XXXX debt from XXXX. The incorrect re-dating of the delinquency showing as " opening date XX/XX/XXXX '' is causing my credit scores to decrease significantly due to the Equifax and XXXX reports showing that the delinquency is " a recent '' delinquent account. XXXX and Equifax have stated that I can not dispute the item again. By XXXXXXXX reporting an " opening date '' of XX/XX/XXXX and not the original date of delinquency of XXXX with the original creditor, XXXX, I am being harmed by not being able to get a mortgage because my mortgage FICO as well as the other FICO scores are based on this incorrect date/information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-24
Company: BBVA FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I met all of the requirements for a {$200.00} bonus to be added to my account which was not posted in the advertised time frame. Specifically, a deposit from my employer exceeding {$300.00} was posted on XX/XX/17. The bonus was supposed to be posted within 60 days of this event. After 71 days I reached out to support. Support took over a week to respond and did not resolve my issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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 have 2 cards with Capital One and both are Quicksilver cards. One ends in XXXX and the other ends in XXXX. My issue with the card ending in XXXX is that my credit union attempted to pay my bill and it did not go through, causing me to be late by 3 days with my payment and Capital one charged me a " Past due fee '' of {$29.00} which they are refusing to reverse. The other card, ending in XXXX, was recently charged a {$39.00} annual membership fee which I was told a year ago, would be permenantly reversed. When I asked about this, a supervisor asked me for the name, ID and badge number of the associate I spoke to, then acted like there were no notes of my conversation with them. First off, how would I know a person 's ID and badge? Next, they have waived this fee every year since I got it, as I was offered a card without a fee first.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-25
Company: GOLD KEY CREDIT, 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:
, In XX/XX/XXXX, I was hit by a car while crossing the street, I had to go to XXXX   Hospital for emergency treatment. Upon release I hired the law firm of XXXX & XXXX to assist me with my case. The law firm handled payments for all of my medical expenses which also included XXXX XXXX. Upon settlement the hospital was issued a payment in the amount of {$6200.00} on XX/XX/XXXX check # XXXX, for payment in full for services rendered, I had received collection letters from Gold Key Credit which is located at XXXX XXXX XXXXXXXX XXXX, XXXX FL XXXX. I contacted them on numerous occasions notifying them that the {$190.00} was paid by my attorney. There file number for this matter is XXXX in the amount of {$190.00}. This agency has a bad reputation for reporting items that do not exist and are notorious for harassing consumers. I contacted XXXX who advised me to contact them again directly, XXXX has since deleted this derogatory information from my credit report. On XX/XX/XXXX I sent the collection manager another letter with the correspondence along with a copy of the check issued by XXXX & XXXX. As in the past I have yet to hear from them, these are services which were paid in XX/XX/XXXX, for an incident which happened in XX/XX/XXXX. We are in XX/XX/XXXX and I am still dealing with this for an invoice already paid, my wife and I are in the process of buying a house through the VA and this derogatory information is an issue. I have also contacted the attorney generals office for assistance, if you have any questions or need any additional information please feel free to contact me directly. Thank you in advance. 
XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-24
Company: Receivables Performance Management, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am trying to improve My credit score so I can move my Family of seven into a three bedroom apartment instead of living in only one room period. I called Receivables Performance Management onXX/XX/XXXX to delete, remove or erase the negative remarks or comments from my charged off account that is reporting negative to the credit bureaus. They said they would be happy to help me resolve this issue by payment plan, settlement, or payment in full of {$380.00} before thirty days. I asked for the best possible out come and they indicated payment in full would lead to a positive reflection on my score. I chose the settlement option of two part payment of {$100.00} for the total of {$210.00} because I had no assets to liquidate for the full amount. I waited 45 days and pulled my credit report, still reporting the same negative comments. One year later I called in several time to see what happened, they indicated it's in their policy to deny any such requests and refused to continue the call and they hang up on me each time. Receivables Performance Management indicated I have no rights under the law to challenge their policies and I would not be able to depute this item on any of my reports to get a better score for the benefit of my family 's living condition, So I need to start Accepting it ASAP period!!!!!!! Theirs no law to challenge this on my behalf. This is the mine set of this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Im reaching out because I tried formally disputing inaccurate and incorrect information that was reporting on my personal credit file. I have reached out several time with the last time being XX/XX/2020 but XXXX XXXX and Transunion are still deciding to report illegal information on my credit file that could be as a result from my identity being compromised from XXXX data breach- that Im apart of or a mixed credit file of another consumer. This is an automatic FCRA violation of not properly handing my dispute properly because I provided them with documentation on my identity, which shows my address and full social security number. 
I never received any mail in response to this either. It like I am being ignored! From a XXXX search I know I have rights and reporting this information is a direct violation of my rights. The following needs to be deleted.

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 2020-08-26
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, Il. XXXXis listed as a previous address for me on all of the 3 Credit reporting agencies. I have never lived there. I tried to lists the dispute with each and I have been unsuccessful after several attempts

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 2023-01-11
Company: EQUIFAX, INC.
State: IN
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 value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still a few accounts to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these accounts ( 1 ). ( A ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have an account with capital one. They have blocked my account and I am not able access my funds and i am not able to reciving payents

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-22
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Well once again here I am seeking help with the OCWEN customer service, now we are being sent registered mail twice a month and have them coming out 2 times this month for a mortgage inspection and twice for pictures, I have asked for the information on their contractor that is driving around out property without permission so I can file a criminal trespass complaint with the sheriff 's dept and they refuse to do so and this contractor refused to identify themselves while throwing an envelope at my wife and running off the porch, please bear in mind that this property is 15 miles out in the middle of nowhere, I hope you can understand why we are a little jumpy with strange people and cars running around. I was informed that we would be charged the certified mail charges and for the title searches and property inspections, as many, as they see fit to perform a month. And now when I call in my number has been fenced out of the automatic Identity system and I have tried calling several times and get a recording that no one is available to help me. to call back, This is ridiculous harassment does not even begin to describe what we are living through.Since my complaint to the CFPB, it seems as though that we have entered into an area where our rights as property owners do not matter. Please do not refer this complaint to the OCWEN lip service or as they call it the ombudsman, I expect the complaint to be handled at the highest level to get us some relief from the stressful situation that this GLOBAL company is creating.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have had literally a series of unfortunate events from loss of job, eviction and then being hit head on by another driver on top of fighting XXXX. I have tried to explain this to Khols and each time they claim they understand and then try to collect payment that I unfortunately just do not have at this time which also makes me sad. Since XX/XX/2018 they have called 38 times and Im sure they will call again multiple times today. It is extremely stressful battling everything that I am and not only causing XXXX but making XXXX flare.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX DOB XX/XX/XXXX SS # XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX  To Whom it May Concern : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX  TransUnion, LLC 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 Inquiry : XX/XX/XXXX Bank ( XXXX  ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX/XXXX XXXX   Inquiry : XX/XX/XXXX Travel/Entertainment ( XXXX ) XXXX XXXX/XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX/XXXX XXXX XXXX XXXX   Inquiry : XX/XX/XXXX Bank ( XXXX  ) XXXX XXXX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX Travel/Entertainment ( XXXX  ) XXXX XXXX  Inquiry : XX/XX/XXXX Travel/Entertainment ( XXXX  ) XXXX XXXX XXXX   XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX  ) XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX XXXX DOB XX/XX/XXXX SS # XXXX ADDRESS : 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 explanation
Consumer complaint received 2018-10-25
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I sent {$150.00} by logging in to my wells fargo app via XXXX I am a first time XXXX user I submitted the payment to the wrong email address due to adding a zero it was sent to someone with a wells fargo account instead of going to a XXXX account I called Wells Fargo immediately and was told to wait 48 hrs i have went inside the branch 3 times requesting help and all they say is for me to contact the person of whom i dont know and all they say is they see my funds in someone wells fargo accounts today i called and a rep says XXXX is like a lottery and i gave free money to a unknown person..I could see if i have used this service before then I should be savvy in transferring funds but I dont have a clue and my financial institutions is not FDIC my funds or going to bat for me and its all internally im at a lost for words I will never use this application again XXXX XXXX offers its user better help than wells fargo please help thank you in advance

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-24
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I've had this car with Chase Auto Loan since XXXX. The day I walked off the lot with a XXXX XXXX XXXX my Balance was {$20000.00}. Today after 3 years of paying {$420.00} x25 my balance is {$19000.00}. I have given Chase Auto Loan {$10000.00} out of my pocket for this car in which they stated each and every payment I made they consider it to be late!! I was told that my payment due date is the XXXX of every month. I broke my payments down twice a month in the amounts of {$220.00} and {$230.00} that I paid every XXXX and XXXX of the month. They ( Chase Auto ) told me this is incorrect and my payment doesn't reach them on time. Chase denied me access to making payment directly to them, stating they no longer take debit card payment and because I'm not a regular chase customer ( meaning I don't have a checking or savings account with chase ) I can't set up to pay at a chase branch directly nor can I set up an online account and pay directly on their website. The only option and way I can pay my auto loan with chase auto were from my online XXXX  XXXX XXXX direct bill pay account. So a payment that comes out of my account from XXXX online bill pay with a date of the XXXX wasn't considered on time because Chase goes by the date they actually received the payment in hand with can take up too 7-14 business days from the date the payment was processed ( once again on the XXXX and XXXX of each month ). I called Chase Auto and I gave them a piece of my mind and I felt I had every right to get nasty on the call. WRONG move on my end because the next day they repoed my car and now they're refusing to give it back to me! I was told I have to flat out buy the car at {$19000.00}! after 3 years of giving them {$10000.00} of my money!!! If someone can help me, please help. I'm a single father of  XXXX XXXX  that I care for on m own. My car has over 61,000 miles on it because I'm driving them all over the world for school, sports and just for fun. It's so hard being a single father without their mom alive. Please God Please someone help!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25
Company: JPMORGAN CHASE & CO.
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 purchased a product from XXXX  and I never received the product, Chase is accepting a fee of {$150.00} for return freight not credited back to me, I never asked to have it returned nor did i sign for it. The XXXX website even states clearly return freight is not allowed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-27
Company: EQUIFAX, 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:
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 XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
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:
The collection account below is not mines. 

1. XXXX XXXX XXXX Last reported XX/XX/2020 {$270.00} Open balance 06 XXXX  Original creditor

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/XXXX I began XXXX XXXX XXXX due to XXXX and I was all alone in Alabama in XXXX Apartments and had no one to help so my children came down from XXXX, GA to move me closer to them. They read my lease and said that I could legally break my lease to due medical illness. I went to the leasing office and spoke with XXXX XXXX ( property manager then ) and explain my situation he told me to bring him a written letter and then I could move. He even came over and completed a walk thru will my children was loading the truck. After two surgeries in XXXX, my eyesight improved a lot and went to try and rent me an apartment and denied because what they put on my credit and it and it shouldn't be. I'm not sure where they got that total amount from because my lease would have been up in four months and my rent was only XXXX a month. However, I owe them nothing because I did what I was told to do.

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: Experian Information Solutions 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:
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 XXXX XXXX, XXXX XXXX XXXX  XXXX, 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