BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a credit account with Walmart, which was partnering with XXXX XXXX. I had automatic payment set up with XXXX XXXX  ; however, Walmart contracted with XXXX  without notifying me to update my automatic payments. I got charged for late fee and it was sent to me by XXXX. Because of the late fee charge, I adversely knew that my account has been taken by XXXX. I contacted XXXX to request a waiver, but they have denied all my requests and forcing me to pay the late fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-29
Company: ERNST, ARTMANN AND ASSOCIATES, INC.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I declare under the penalty of perjury that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by XXXX and XXXX XXXX to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a XXXX XXXX Violations punishable under XXXX XXXX. XXXX. Additionally, those misstatements are punishable as perjury under XXXX XXXX. XXXX. This collection found on my credit report are not related to any transactions that I made. I am alleging that a person or company, without my authorization, used my personal identifying information to apply for goods, services, or money and was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Untimely response
Consumer complaint received 2018-10-31
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
Equifax, indicated there was a reinvestigation which signals an initial investigation was done. Results from that investigation were neither logged, rendered, nor provided to Mr. XXXX, in 30 days and or til date, despite Mr. XXXX  repeated requests. Second, Mr. XXXX requested Equifax to provide the method of accuracy & verification used by Equifax pursuant to FCRA 611et.seq. and or 611 ( 5 ) ( A ) ; and Equifax remains non-compliance till date. Third, Mr. XXXX requested Equifax to provide a court order judgment showing that named Creditors listed was the injured party and or an order of this allege debts with a judicial signature with circuit/district 's stamped seal regarding account # s listed for Creditors. Thus proving its legal accuracy & verification of this allege debt belonging to Mr. XXXX   Hence, Equifax again went silent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-21
Company: AMERICAN EXPRESS COMPANY
State: MI
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 CONTINUES TO PUBLISH THE FOLLOWING INFORMATION EVEN AFTER I INFORMED THEM THAT THIS WAS DUE TO IDENTITY THEFT WITH SUPPORTING DOCUMENTATION FROM THE USPS POSTAL INSPECTION SERVICE CRIMINAL INVESTIGATIONS DIVISION AND A SIGNED AFFIDAVIT FROM A USPS EMPLOYEE NOTING THAT SEVERAL HEALTH INSURANCE AND SOCIAL SECURITY CARDS WERE ORDERED NOT BY ME AND SENT TO MY XXXX XXXX XXXX XXXX XXXX MI XXXX. THE ACCT # IN QUESTION ON MY XXXX CREDIT REPORT IS : XXXX. I ALSO EXPLAINED TO THAT COMPANY THAT A COURT ORDERED CONSERVATOR NAMED XXXX XXXX, A LAWYER WITH LAW OFFICE OF XXXX XXXX, WAS ASSIGNED TO ME AND FORWARDED ALL MY MAIL AND TOOK OVER ALL FINANCIAL MATTERS AND THAT I NO LONGER HAD ANY CONTROL OF MY FINANCES AND THAT INQUIRES WERE TO BE DIRECTED TO HIM. THIS CONSERVATOR MISMANAGED MY ACCOUNTS AND REFUSED TO PAY ANY OF MY CREDIT CARDS RESULTING IN ALL OF THEM BEING CANCELLED EVEN THOUGH HE HAS BILLED THE COURTS AND MY ACCOUNTS WITH HIS FEES FOR PAYING AND REVIEWING MY CREDIT CARD STATEMENTS. MY CREDIT IS IN A WRECK FROM MISMANAGEMENT AND USED TO BE IN THE 720 - 780 RANGE. SINCE I WAS NO LONGER RESPONSIBLE FOR FINANCIAL ISSUES OR DECISIONS FOLLOWING THE APPOINTMENT OF A CONSERVATOR AND LOSS TOTAL CONTROL OF THE ACCOUNT, I SHOULD NOT BE HELD RESPONSIBLE FOR CHARGES INCURRED OR CHARGED BY HIM AND THIS SHOULD BE REMOVED FROM MY CREDIT REPORT. General Account Info Report Number : XXXX Date Generated : XX/XX/XXXX Account NamesAMERICAN EXPRESS AMEX Account NumberXXXX Account TypeCredit card ResponsibilityIndividual Date OpenedXXXX StatusAccount charged off/Never late. {$5100.00} written off. {$5100.00} past due as of XX/XX/XXXX. 
Status UpdatedXXXX Balance {$5100.00} Balance Updated XX/XX/XXXX Recent Payment Amount $ XXXX  Monthly Payment {$0.00} Credit Limit - Highest Balance {$12000.00} Terms 1 Months On Record UntilXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
Company: National Credit Systems,Inc.
State: CO
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:
Opening this complaint in response to National Credit Systems not doing anything with previous complaint XXXX. NCS response to previous complaint is that it thinks it is correct to list the date of 1st delinquency as the date a tenant presumably moved out of an apartment. This is grossly incorrect. The date of 1st delinquency should be the date the tenant was delinquent with the client NCS is collecting for. Clearly XXXX XXXX XXXX filed an Eviction in 2017 and received a Writ Of Resitution in 2017 ( XX/XX/2017 ). National Credit Systems can contact the XXXX County Courthouse and pull registry of action # XXXX to verify this information or contact XXXX XXXX XXXX. Listing an incorrect date of 1st delinquency is a clear FCRA violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10
Company: ENCORE CAPITAL GROUP INC.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In XXXX I opened an account with XXXX XXXX XXXX. In XX/XX/XXXX, I opted to have credit protection placed on my account. I payed on time payments from XX/XX/XXXX until XX/XX/XXXX. In XX/XX/XXXX, I had a medical emergency, and the doctor took me out of work. My last payment to XXXX XXXX XXXX was in XX/XX/XXXX ( credit protection ) payment included. On XX/XX/XXXX XXXX XXXX XXXX closed my credit protection account, unknown to me.On XX/XX/XXXX the doctor ( medical emergency ) took me out of work. I was unable to make on time payments. XXXX XXXX XXXX charged the account off and sold the account in XX/XX/XXXX. It hits my credit report with negative remarks. I'm still recovering during this process. Recently, I contacted XXXX XXXX XXXX to see what are my options, because now the account in collections and it has damaged my credit. I spoke with an account manager on XX/XX/XXXXand was instructed to call the credit protection ( XXXX claim insurance company ) and file a claim. I called on XXXX XX/XX/XXXX and was told I was not covered for that time period, due to the policy being cancelled on XXXX XX/XX/XXXX. I was instructed to call XXXX XXXX XXXX. I called back and spoke with another account manager, and that account manager verified they closed my credit protection account unbeknown to me. And it was nothing they could do! Currently, this account is sitting on my credit in collections, which is debilitating my credit score! I was NEVER informed they ( XXXX XXXX XXXX ) cancelled my credit protection! I called to file a claim and was denied ; due to the bank cancelling my account ( credit protection ) after a  payment days prior.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: Experian Information Solutions 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've disputed through Experian multiple times, for unrecognizable accounts, incorrect spelling of my name, addresses that I've never lived at and incorrect accounts, Experian fails to provide me with any updates and reasons why after I dispute that the account was verified, I never receive a letter on how the account was verified, or any proof on how the account is verified. Also I will dispute with Experian, and they will delete the account but a week later the same account they deleted will be placed back on my credit report. I feel Experian is performing unfair practices by sending out letters stating why and how accounts is being verified.

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 2018-10-31
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
on XX/XX/2018, an XXXX number called posing as the Chase bank. I became a victim of identity theft. Chase bank is saying the charges were actual charges and will not refund the money that was stolen. However, they refunded partial monies, {$30.00}, but not the {$4900.00}. Chase is saying the card was present at the time of transaction. Which was false because I brought my card to the bank shortly after I found out. Chase call center 3 times said this was definitely fraud. But, the Chase fraud department denied the claim 2 times ... even after the call center said this was definite fraud

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-25
Company: EQUIFAX, INC.
State: NJ
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 are fraudulent and need to be deleted from my credit report as soon as possible. I am a victim of identity theft and did not make these charges whatsoever. Please delete these alleged accounts as soon as possible. I reported this and have also included the FTC Affidavit that lists the fraudulent accounts. I have also made a complaint with the CFPB. Please remove these alleged accounts as they are causing a substantial amount of harm and inconvenience to me as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I was sent a very professional looking letter via US mail dated XX/XX/2019 from Saks Fifth Avenue stating I had been denied approval of a credit card for which I did not apply for. It offers a number ( XXXX ) to get details on the denial and when I called it is just a message stating to leave name, number and social security number. I ended the call and did not leave my information, but I'm certain others are getting this same letter and unknowingly offering criminals their private information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items 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 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 non-monetary relief
Consumer complaint received 2018-10-31
Company: CORELOGIC INC
State: AR
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:
XXXX, XXXX, XXXX, XXXX ETC.. ARE SHARING MIS INFO ABOUT ME AND PULLING INQUIRES. ALSO, REPORTING NEGATIVE INFO FROM OTHER BUREAUS.

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 2023-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 have sent out a letter to Transunion on XX/XX/2022 regarding some inaccuracies I found on my credit report with the following accounts. I have not received anything from them and would like the following accounts removed as it is hurting my credit score significantly XXXX XXXXXXXX Bankruptcy Case Number : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Below is the letter I have sent them along with proof of ID and residency

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 2018-10-31
Company: Fidelity National Information Services, Inc. (FNIS)
State: AR
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:
CHEXSYSTEM, XXXX, XXXX, XXXX XXXX ARE SHARING MIS INFO ABOUT ME AND PULLING INQUIRES. ALSO, REPORTING NEGATIVE INFO FROM OTHER BUREAUS.

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 2019-08-13
Company: Overton, Russell, Doerr and Donovan, LLP
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
The company served my mother on ( she is the secondary contact on the account ) XX/XX/XXXX. Then placed a judgement against us both in XX/XX/2019 without notice. The company lied to serve me on XX/XX/XXXX by stating they would not enter into payment arrangements without it. Also after contacting them they stated they would accept $ XXXX/mo for two years and now they are stating $ XXXX/mo till paid interest is paid off as well taking the total from {$13000.00} to {$16000.00}. They are also threatening to put a lean on my mothers property and garnish my wages.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX, which issues the XXXX store credit card, had an account listed on my credit report that was fraudulently opened in my name. On XXXX, I received a letter from XXXX XXXX stating their investigation determined the account was indeed fraud and they would send a letter to me and to all XXXX credit bureaus stating this account needs to be removed from my reports as it is fraud. XXXX XXXX confirmed my account was closed and also stated there is a credit balance of {$82.00} that will be issued in the form of a check and mailed to me within a week to bring the balance to {$0.00}. I received the check. I also mailed a copy of this letter to all credit bureaus to ensure they received it as this account is derogatory and negatively impacting my credit. 

On XXXX, I called Equifax at XXXX, as I noticed this account was still appearing on my credit report and was showing inaccurate account information from XX/XX/, never properly investigating initially clearly, leaving the date verified space blank. Equifax advised me to call XXXX even though Equifax confirmed they had the letter from XXXX in my file to remove the account?! And didnt?! Equifax inaccurate information being reported for this account are 1 ) they report it as open 2 ) they report as having never been disputed 3 ) reporting a balance owed of {$250.00} 4 ) reporting the past due amount of {$64.00} 5 ) charge amount in the high column is credit limit. 

On XXXX I called the Account Protection Team at XXXX XXXXXXXX XXXX at XXXX, and spoke to XXXX re : the account still appearing on reports and account information not being updated, again causing huge consequences for credit dropping due to no fault of my own. She reviewed my account and confirmed the account was closed and the balance was {$0.00}, but said couldnt do anything or send anything over to the bureaus at this point to update the inaccurate info that was being reported. She referred me back to Equifax and advised me to open a dispute with them, then they would verify with them and the account would be updated. First, no I already did this, and didnt happen. Second, that is absolutely not the responsibility of anyone else but XXXX to report and provide accurate information, and not only did they not, but they refused to take the steps needed to ensure the bureaus were accurate. Instead, it was blamed on the bureaus. 
I am including the letter that was mailed to me and sent to the bureaus stating to remove this account as it is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 pulled my credit report and it is a COMPLETE mess, now I know that you have MILLIONS and MILLIONS of files to deal with and that is a lot to handle, and mistakes will happen. But C'mon people there are some pretty egregious errors on this thing. Now I am sure you have heard of the FCRA, you are bound by it, so here goes. I am demanding you VERIFY everything that I am disputing on this credit report that is inaccurate. 

Please verify the following information on each of the accounts that I am stating here. 

1. Balance : 2. Credit Limit 3. Payment Status 4. Last Reported 5. Past Due TRADELINE :, 1. XXXX XXXX XXXX 2. XXXX XXXX, XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX XXXX 8.  XXXX XXXX 9. XXXX XXXX 10. XXXX XXXX 11.  XXXX XXXX 12. XXXX XXXX 13. XXXX XXXX 14.  XXXX XXXX 15. XXXX XXXX 16. XXXX XXXX 17.  XXXX XXXX 18. XXXX XXXX As already stated, the listed item is inaccurate and incomplete, and is a very serious error in reporting.

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 2019-08-09
Company: Franklin Collection Service, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have two issues here regarding a debt that is under my name with Franklin Collection Services. There is a balance of over {$700.00} owed to XXXX. I have disputed this previously with another agency and was determined it was not mine and removed from my credit. I have told Franklin Collections this and yet they are still reporting this on my credit. I have a very common name and this has happened before. I have never lived in KY I am a resident of TN. I first reached out to this company on XX/XX/19 with my dispute. I have yet to receive any kind of validation or anything that even shows what this is for and who it actually belongs to. i have all of the email chains as i kept everything in writing. I have submitted a XXXX complaint which they still have not responded to and that was submitted in XX/XX/XXXX. What else can be done? They are in violation of federal law by continuing to report this and collect when my dispute was blatantly ignored and i have received no documentation that contests my dispute. Yet they still report this as delinquent on my credit.They had thirty days to address my concerns and it is pushing 90 days with no resolution. Please help! I have attached the emails showing how long this has been going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-30
Company: NATIONSTAR MORTGAGE LLC
State: AZ
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My Chapter XXXX Bankruptcy discharged XX/XX/XXXX. My Interest Only loan # XXXX adjusted while I was I was still in the bankruptcy. The lender did not notify me or the Bankruptcy trustee or my BK attorney. I continued to make payments the entire time and upon discharge was made aware of the payment change XX/XX/XXXX and immediately paid the arrearage. I was assured in XXXX different telephone calls that that loan would not be reported late. As of today, I am informed that the the loan is reported to my credit report with EIGHT late payments dropped my score and preventing me from pursuing a refinance now in process. Nationstar 's failure to notify me or the Bankruptcy trustee is not in compliance with Federal bankruptcy law pursuant to Bank Ruptcy Rule 3002.1

Company response to consumer: Closed with explanation