BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I tried to establish an online banking account. After 2 attempts with the help of customer support XXXX phone ), I was able to access my acct., only to discover that Cap. 1 had CHANGED the name of my account, without informing me, thus shoing my previous account : Essential savings, as closed. When I contacted them ( by phone ), they told me my account was changed to CONVENIENCE SAVINGS, and I would have to establish a new account online. When I attempted to do that, I was told by the representative that I had to wait weeks to be able to access my account, because my phone number had to be verified. As I signed in, my phone number, which was always the same, automatically shows up in the sign-in page, but will not allow me access. I was told I had to wait weeks for the bank to verify my phone number that was on file for 3 YEARS to be able to access an online account. I am XXXX years old, and living in XXXX XXXX, having left XXXX  abruptly after almost being robbed in my neighborhood. I told the rep., and she couldn't care less. There are NO Cap.1 branches near me, and I am only able to access {$800.00} a day, and have no way to pay my bills. I would be greatful for any help. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
Company: Resurgent Capital Services L.P.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX Credit Bureau is reporting inaccurate information on LVNV FUNDING LLC XXXX Balance Owed : {$1400.00}. Please change the status to Paid or simply " Remove '' the account. These statuses are damaging to my report, which would not be happening if the bureaus investigated properly before posting derogatory information. Per FCRA, reporting must be 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
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 made a purchase in USD with a non-US company ( XXXX  ) using their US website. I should not have been charged an FX fee based on online information on the VISA and XXXX websites. However, I was charged a material FX fee. I would not have made the purchase had I known I would have been charged an FX fee, and, if I had to make the purchase, I would have used a different card.

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 2022-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Spoke to TransUnion today. Informed them that a fraudulent inquire has appeared on my credit report, dated XX/XX/2022 from XXXX XXXX. Explained that I was on vacation and just returned to be alerted of the fraudulent inquire. The representative told me there was nothing he could do. I explained the inquire was fraudulent and asked for an investigation to have it removed from my report, as the security freeze was not stopping people from trying to access my account. I asked for a special password or code to block further fraudulent activity. The representative said there was nothing they could do. This is wrong on so many levels and I am demanding TransUnion work to remove this fraudulent account, as I have been a victim of fraud over the past ten years.

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 2019-05-17
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:
This is not a valid account for XXXX account number XXXX in the amount of XXXX It is fraudulent. They are saying i got and account and close it the same day how is that even possible with furniture? 
I told XXXX to come pick up there Furniture it took them 3 months. I was sick and couldnt pay and it was really expensive. When the picked up the furniture the next day the created new account in my name with out a signed contract from me and are charging me some fraudulent charges. The credit bureau did not obtain a signed contract for the account the XXXX fraudulent put in my name. The credit bureau is not protecting my credit report from fraudulent information.credit bureau failed to provide me with signed co tract from the date of the second account, after the initial furniture was picked up. No contract signed contract or any contract matter of fact for this fraudulent account was ever received

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 2019-05-17
Company: Experian Information Solutions 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:
XXXX XXXX XXXX XXXX In the amount of XXXX is not my account and needs to be removed the credit bureau is not protecting my report from fraudulent accounts. 
Is Being put on my credit report and this is not my account. I requested for this item to be removed by the credit bureau and they have not done so I contacted the company the credit agency And asked for signed contracts or dL or anything that shows this is a true account of mine. The collection agency sent an unsigned contact that was made up and bogus to try to get money from me. This is not my account and the credit bureau has not removed off my report. I am sending over the bogus fake fraudulent contact that the collection agency sent me. This again is no account of mine

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 2020-11-10
Company: Experian Information Solutions Inc.
State: PA
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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a )., it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over so this should be deleted promptly. I demand these account be deleted immediately or I will file litigation due to the stress you cause me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

Also a violation under 15 usc 1681 n ( b ) and they owe me money.

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 2020-11-10
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:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/2020 This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; DEPT OF EDUCATION/XXXX  XXXX XXXX XXXX XXXX DEPT OF EDUCATION/XXXX  XXXX DEPT OF EDUCATION/XXXX  XXXX DEPT OF EDUCATION/XXXX  XXXX DPEDXXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX  XXXX XXXX XXXX/XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX ADDRESS 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 2019-05-17
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:
XXXX XXXX XXXX XXXX In the amount of XXXX is not my account and needs to be removed the credit bureau is not protecting my report from fraudulent accounts. 
Is Being put on my credit report and this is not my account. I requested for this item to be removed by the credit bureau and they have not done so I contacted the company the credit agency And asked for signed contracts or dL or anything that shows this is a true account of mine. The collection agency sent an unsigned contact that was made up and bogus to try to get money from me. This is not my account and the credit bureau has not removed off my report. I am sending over the bogus fake fraudulent contact that the collection agency sent me. This again is no account of mine

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 2020-11-10
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I RECENTLY PULLED MY CREDIT REPORTS AND FOUND INFORMATION LISTED THAT SHOULD NOT HAVE BEEN THERE. I OFTEN PULL MY EQUIFAX REPORT BECAUSE THEY ARE THE REASON MY INFORMATON WAS LEAKED OUT IN THE FIRST PLACE. DUE TO THEIR HUGE BREACH THAT THEY KEPT FROM CONSUMERS. I NOTICED THAT THERE WERE A LOT OF XXXX XXXX XXXX ACCOUNTS THAT HAVE BEEN CLOSED THESE ACCOUNTS WERE OPENED IN XXXX AND YET THEY ARE STILL REMAINING ON MY CREDIT REPORT. I CONTACTED XXXX XXXX XXXX ON TODAY ( XX/XX/XXXX ) AND ASKED QUESTIONS ABOUT MY CREDIT REPORT. I WAS MET WITH HOSTILITY AND QUESTIONS THAT DID NOT PERTAIN TO ANYTHING LISTED IN MY CREDIT REPORT WHICH I HAD IN FRONT OF ME. PER EQUIFAX " CLOSED ACCOUNTS STAY ON YOUR CREDIT REPORT FOR 10 YEARS SINCE THE DATE OF LAST ACTIVITY '' I HAVE A COPY OF EACH OF MY CREDIT REPORTS. XXXX  IS DOING THE SAME THIG. THEY ARE REPORTING AND UPDATING XXXX XXXX XXXX ACCOUNTS AND THAT WERE OPENED IN XXXX. THEY HAVE BEEN CLOSED BECAUSE THEY HAVE BEEN CONSOLIDATED. AND WERE CONSOLIDATED YEARS AGO. XXXX  IS DOING THE SAME. THESE COMPANIES WERE SENT A IDENTITY THEFT REPORT AND REFUSED TO REMOVE XXXX AND XXXX. ONCE I CONTACTED THESE COMPANIES THEY SAID THEY WERE NOT MADE AWARE THAT A IDENTITY THEFY REPORT HAD BEEN ISSUED. XXXX  SENT ME A LETTER STATING THAT THEY HAD CONTACTED THESE COMPANIES. THEY LIED. THERE NEEDS TO BE AN INVESTIGATON DONE INTO THESE CREDIT BUREAUS BECAUSE THEY ARE CRIPPLING CONSUMNERS BY REPORTNG FALSE INFORMATION AS WELL AS UPDATING INFORMATONON THEIR OWN.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: CITIBANK, N.A.
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I am in the midst of applying for a HELOC from XXXX XXXX  and was told my application is being held up because Citi Financial has an open lien on my house. Back in 2003 I took out a bill consolidation loan through Citi Financial but have since paid that loan off in full YEARS ago, my guess is at least 12 years ago this lien/loan had been fulfilled. 

Apparently CitiFinancial never filed the proper paperwork to state that my loan/lien had been satisfied. 

I called the local branch of CitiFinancial and was told by the Branch Manager ( XXXX XXXX XXXX that they were bought out by another company years ago and do NOT have any of the former records from CitiFinancial so he told me to call the Pennsylvania Department of Banking, which I did and that has led me to this complaint. 

I was told by whomever answered the phone at the Pa. Dept. of Banking that I would need to file a complaint with your office in hopes of getting t his lien satisfied. 

My home address, which is the property that has this open lien against it is ; XXXX XXXX XXXX XXXX, Pa. 
XXXX Can you please help me get the proper paperwork I need to show proof that this lien has been satisfied? 

Thank you, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14
Company: Michael Wayne Investment
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
The Loan Contract Documents in the Auto Loan # XXXX was predatory / fraudalent/ and deceptive in requiring me to pay close to {$400.00} a month on a XXXX yr old car with a GPS tracking device discontinued by the Original Manufacturer ( XXXX ). & on page 5 the contract clearly states that I am not responsible to pay any amounts over the legal finance charges and interest rates

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 2017-11-17
Company: Commonwealth Financial Systems, Inc.
State: AR
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
There is a collection attempt on my XXXX credit report that has just come up from cfsi/ a.k.a. Commonwealth financial systems opened on XXXX XXXX the amount is $ XXXX.The original creditor is XXXX XXXX XXXX. Someone has stolen my identity. I have absolutely no knowledge of this creditor or account and because of this I will be placing life lock on my account. It seems there should be more done on the part of the credit reporting agency to stop identity theft. Please remove this fraudulent charge from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: T.S. Holdings
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I used to live at XXXX apartments at XXXX XXXX in XXXX XXXX, California. I noticed that the lease that was available on on-site.com, the website that this company uses to sign lease, was signed several days after I moved in. I know that I did not sign this lease as I signed a lease prior to moving in and the lease available online is not the same lease as the one that I did sign. The IP address associated with my signature and my cosigner 's signature matches the IP address of XXXX XXXX, who works at XXXX apartments at XXXX XXXX. They are now saying the I violated this lease after moving out and saying the I owe {$20000.00}, even though I did not sign this lease. They have reported this to XXXX XXXX XXXX, a collections agency, which is now requesting that I pay them {$22000.00}. I never signed this lease, my signature was forged on this lease by XXXX XXXX, therefore, I am not responsible for paying this amount. I have sent a letter disputing this debt to XXXX XXXX XXXX, in addition to filing a complaint with the Internet Crime Complaint Center, however, XXXX XXXX XXXX has still reported that I owe this debt to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: EQUIFAX, INC.
State: PA
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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a )., it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over so this should be deleted promptly. I demand these account be deleted immediately or I will file litigation due to the stress you cause me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Also a violation under 15 usc 1681 n ( b ) and they owe me money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I recently went out to Capital One and paid my balance in full on XX/XX/XXXX bringing my account balance to XXXX dollars according to their website. I then get a new bill from them for {$52.00}. 
This was for Interest charges for purchases, and the last purchase I had made was back on XX/XX/XXXX. 
I called the company to ask how I got an additional charge after utilizing their site to pay off the card and was told that the site does not have interest calculated till the end of the billing period. Thus, the additional {$52.00} was owed. As I was talking to the agent she gave me that amount as my final payoff amount, and then came back and said it would not be just over {$53.00} dollars. On what purchases I asked and after a period came back and said the {$52.00} was fine and I submitted the payment and closed the card. 
I believe there should be better handling of interest on charges, clearer actual payoff amounts online, and do this possible " shady '' practice I no longer wish to do business with them. 
This policy seems to benefit them as the cardholder as it keeps that interest charges unknown unless you call, or wait for another bill and get a SURPRISE. 
So primary take away is that unlike many other companies I have found that Capital One is not truly fair to those who pay off their bills utilizing their online site. It's possible that someone, such as myself, believes we finally at XXXX, to just have another bill come.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-06
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, I submitted a complaint in regards to Midland Fundings failure to properly validate an alleged debt of {$380.00}. Previously I sent certified mail letter seeking answers about this alleged debt and they claim to have validated dated XX/XX/XXXXas dated on the response. In response, Midland violated my rights as a federally protected consumer. They are in violation of 15 USC 1692 B ( 5 ) which states that they shall not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. They are also in violation of 15 USC 1692 B ( 2 ) which states that any debt collector not state that such consumer owes any debt.

Again through responding to a previous complaint, they have again failed to prove that this alleged debt is mine. Midland has again violated my rights as a federally protected consumer. They stated that this alleged debt that they confirmed by the seller on XXXX XXXX with the last four ssn of XXXX is indeed valid. How? Who did you interview? What person did you speak with? Pursuant to 15 USC 1681 A ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. And may I remind you that none of this information can be factual. I have never consented to any contract with Midland nor did I give them permission to breach my privacy. Midland has violated a number of my rights in which each violation can result in {$1000.00} per. I am a natural consumer. This alleged debt must be deleted due to no adequate proof and the violation of my rights.

Company response to consumer: Closed with explanation