BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have sent two affidavits DEMANDING that they Verify the debt that I allegedly owe them. They CLAIMED they did but it wasn't done properly Pursuant to 15 U.S. Code 1681a ( e ) which defines an investigative consumer report as a consumer report in which information on a consumers character, general reputation, personal characteristics, is obtained through personal interviews with neighbors, friends, etc, who may have information of any items on the consumer file which you will have to show me proof via an affidavit of fact under penalty of perjury ; I DO NOT CONSENT TO ANY AUTOMATED RESPONSE OR E-OSCAR VERIFICATION METHOD.

and if they can't, they must CLOSE the account and IMMEDIATE REMOVAL OF THE NEGATIVE REMARKS they've made against me on my credit report pursuant to THE FAIR CREDIT REPORTING ACT 15 U.S. CODE 1681 1681i.

Unauthorized Use Pursuant to 15 U.S. CODE 1602 ( p )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have many issues with this collection agency. 
Problem # 1 My husband and I had a medical hardship and fell behind on our bills. Once back on our feet we filed a Wisconsin XXXX amortization and paid all of our debts in full. After the plan was complete PRA group stated that we over paid on two of our accounts ending in XXXX and XXXX. They sent us two refund checks. One for XXXX and one for XXXX. We deposited the two checks in our account and about a week later we found out that the company put a stop payment on both of them which resulted in us owing bank fees. Now they have sent us two more checks for the same exact amount and I am afraid to cash them since the last two bounced. 
Problem # 2- My husband recently received a notice stating that his " XXXX/XXXX '' account was paid in full. We never had a XXXX account. This leads me to believe that we unknowingly paid off someone else 's debt for them. We asked a customer service representative about this debt and she said it was for a XXXX card but gave us no other information. 
Problem # 3 This agency refuses to report my XXXX judgment as paid to the Wisconsin Court system as they say they have no record of the XXXX plan being filed and satisfied. I filed a complaint with your agency about this issue recently. Considering this company actually owes me money I think that this in itself should prove that this old debt is paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-07
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
I have been a member of USAA bank for over a decade. I have paid a {$5000.00} dollar personal loan at 16.5 % in full. I have paid a credit card at 26 % interest in full. I have tried to get insurance through usaa for nearly 4 years now and have been denied time after time. I have tried to get an auto loan for the past year with usaa and have been denied every time. I deposit checks and usaa holds half or over half of my money for a week. Leaving me only a fraction of my money to live on. USAA does not care when I call and beg for my money when they decide to hold it. They instead tell me to do a cash advance through my credit card so they can make 30 % interest on their desperate broke customers money as they hold it hostage for a week.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Hello and hope all is well. XXXX XXXX  continues to unfamiliar information on the credit reports. Made several attempts to request verification, however ; the company failed to comply to FCRA guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-07
Company: ALLY FINANCIAL 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:
This is a vehicle that was purchased under the company credit not my personal credit it should be moved to 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 2020-06-05
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Hello and hope all is well. XXXX XXXX  continues to unfamiliar information on the credit reports. Made several attempts to request verification, however ; the company failed to comply to FCRA guidelines.

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 2018-10-07
Company: EQUIFAX, INC.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am filing a complaint against Equifax, for continuing to report a Chapter XXXX Bankruptcy on my credit file. I have sent numerous letters to include the letter from the Bankruptcy court indicating that they do not provide information regarding bankruptcies to credit bureaus. I also included a letter from XXXX XXXX stating that case # XXXX has been removed from my risk view report. Lastly, I sent a copy of my XXXX  credit report showing that the bankruptcy was removed from my credit file XX/XX/2018. I am demanding that Equifax removes this public record immediately. I have sent viable evidence showing that they are reporting incorrect information that can not validate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These are not my accounts, nor are the names listed on my credit profile. Please remove them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Good morning, I had 2 accounts in collection which I paid in full and was told that they would be removed and I would receive a letter stating they are at XXXX balance and would be removed. As of today I had yet received a letter or the accounts removed. 
XX/XX/21 paid {$470.00} to XXXX XX/XX/21 paid {$390.00} to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
There is an account on my credit report for Equifax that is reporting a fraudulent balance and payment history. Evidence was provided to Equifax from the creditor, XXXX XXXX to confirm the account balance and history can not be verified. See enclosed documents and letter, which shows that the balance can not be verified due to conflicting documents regarding the repossession costs, that the balance for GAP insurance conflicts contractual agreements, and that the payment history reported by XXXX XXXX does not match the credit report. 

According to Equifax 's response ( see attached ), the balance was updated. However, the actual credit report has the same balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12
Company: Convergent Resources, Inc.
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX is reporting on my credit even though they confirmed they did not have my correct address or information to send the 30 day right to dispute.

I never knew of this until I saw it reporting on credit. I called and paid it and advised them I never received a notice, they confirmed they had the wrong info.

I don't understand how they can just report whatever they want whenever they want.

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 2018-10-07
Company: SYNCHRONY FINANCIAL
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I made an on-line payment to by Paypal Credit Card issued by XXXX XXXX on XX/XX/XXXX. as of XX/XX/2018 payment was still pending eventhough it had cleared my bank on XX/XX/XXXX. Now, XX/XX/2018 Paypal has received payment,, posted under payments received, BUT THEY HAVE NOT posted it to by account balance They say it is a " computer glitch '' ..When i called on XX/XX/2018 they said it would be fixed the next day,,, now it is going to take upto another week. 

I have a late fee attached to by account because of their " computer glitch ''.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: Kriya Capital, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Ive sent letters to XXXX XXXX XXXX and Credence Resource Management ( XX/XX/XXXX, XXXX + XXXX of XXXX ) asking them for proof of original contracts with my signatures showing where I agreed that I was liable for the debt they are attempting to collect. To no avail, I spoke with representatives from both agencies XXXX XXXX at XXXX and several reps with American names to avoid any personal legal action against them but it is clear these individuals are from XXXX, names like XXXX XXXX, XXXX XXXX, and XXXX XXXX at XXXX on XX/XX/XXXX regarding debts I was informed I owed and after sending out letters on the same day XX/XX/XXXX - same day of phone call, again I was met with a copy of a bill and balance from both agencies ( two different creditors one being XXXX XXXX XXXX XXXX XXXX  Credit Card - {$470.00} and the other XXXX - {$630.00} ) but no documents, paperwork, or contracts with my signatures or proof showing where I am legally responsible for the debt owed or proof that it is in fact my debt. Ive also sent letters to XXXX, XXXX, and XXXX  asking them remove this incorrect, inaccurate information but they are still reporting this information. I filed a complaint with the FTC to report these accounts that dont belong to me XX/XX/XXXX and still this negative information is reporting and is preventing me from securing new lines of credit, employment and housing opportunities. I really am trying to avoid a legal suit but feel like this may be my only recourse.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-07
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I've tried several different ways to get my score and report online and I can't. I'm quite concerned and need to know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Misleading / omitted information about working with the mortgage co on loan modification as related to credit reporting. Just informed during modified payment trial period of 3 months mortgage co ( 5th. 3rd.  bank ) continues to report account delinquent and also holds payment and does not apply to mortgage payments for 3 months. During this time we are still considered delinquent. We were unaware of this. Under false impression, credit reporting would not be un-favorable and that we would not be penalized while working with mortgage co. Started working with mortgage before late 30 days - XX/XX/XXXX. Get different information from mitigation department case workers. This 3 month trial period ends in XX/XX/XXXX. Thought mortgage co preferred immediate communication and loss mitigation instead of repo. Told this process was favorable for us and mortgage co. Not so! Not informed of this until today XX/XX/XXXX. Not fair. They refuse to give us documentation of all communication while processing this agreement without a subpoena Thus protecting themselves from mis -guidance or lack of information during this process on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
My rights have been violated under the FCRA by TransUnion. TransUnion is refusing to follow fcra guidelines for handling my disputes fraud use on my consumer file. I first contacted XXXX  XXXX when I received inquiry on my credit file XX/XX/XXXX. XXXX XXXX immediately closed account after confirming as fraud. I began first dispute with TransUnion XX/XX/XXXX instead of verifying and removing fraud account transunion kept invalid info on my credit file as accurate. I opened dispute with TransUnion on XXXXwith letter from XXXX  XXXX as fraud, TransUnion continues to allow invalid information to remain on credit file as accurate as of XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-07
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: Overcharged for something you did purchase with the card

Complaint:
On XX/XX/XXXX I contacted Capital One to advise that I had been charged 5 to 6 times by XXXX in XXXX and XXXX for over {$15000.00}. XXXX XXXX waived all the fees and finance charges and online it stated my next payment of {$830.00} was due XXXX even though the minimum payment still included the the wrong charges from XXXX. I call Cap One on XX/XX/18 to advise that I couldnt see my reward points. They advised me that my account was passed due so I couldnt use or see my rewards points. I advised them that I had over {$15000.00} in charges that were not mine but that XXXX was refunding to me. They basically said to bad you still owe us the minimum payment even though it was based on this charge from XXXX. I was advised by XXXX XXXX that there are no managers to speak to and her no answer was the final answer from Cap One. So they are making their customers pay payments on charges that are fraudulent or in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18
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 has not investigated or responded to the following issues on my credit report at all. The creditors have attempted no contact with me resulting from said investigations. Please see items below INQUIRIES XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX {$430.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
From XX/XX/21 XXXX i was charged with purchases I never made. My card was stolen and I informed Bank of America. I realized that since a lot of people were working remotely that individuals were at home taking personal information down I had one rep ask me for my cross street and sliding someone changed my security question I have informed them of a emerger situation they ended up shutting off my card and Im going to be without electricity. And I need my funds so me and my child dont sit in the dark

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 2018-03-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I contacted Bank of America a few times about this same issue. ( Actually even the Risk Closure Department ) So almost a year ago i experienced identity theft when my wallet was stolen. I had not known at that time that there was a checking account opened in my name by Bank of America. I just now have attempted to open a checking account. After speaking to one of the nice kind bankers over there she transferred me to Risk Closure, after trying to open an account after being told from the banker that i am not able to open an account due to banking history with Bank of America. When i further asked why and explained to the phone banker that i have never opened these accounts with Bank of America. She sent me to Risk Closure. Risk closure said my accounts were closed, i advised them that i have never opened an account with Bank of America in my life, and that i just now have been trying as of this week. The rep said that my accounts were closed due to me being a risk to the bank. We got into further detail and i told the Risk Closuee person, that is a mistake because i have never opened an account with Bank of America. The Risk Closure person then transferred me to Check Fraud. Which filed a claim. Yet it appears these accounts are still listed under my name, even though i was told from the Phone banker these were opened online. When we discussed that i didn't open these she stated to file identity theft, which i have already done so with the FTC. i want to be able to eventually bank with Bank of America but it appears someone has tarnished my name with them by opening an account and using it fraudulently. Which i was not aware of until just recently. I wouldnt have ever done any risky behavior. Had I known sooner I would have advised them. My email was also hacked and I found that out as well. No one assists me at Bank of America. I never heard back from Check Fraud either. The risk closure department stated Check Fraud has to advise them to remove the closure notes. Which has yet to be done.

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 2018-03-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I looked at the credit report and found that this company has tried to retrieve my information without any permissible purpose. 

I am challenging them for COMPLIANCE on the Metro-2 submission process as well as the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
about 7 months ago my checking acct ending in XXXX at bmo harris bank in XXXX  XXXX, illinois XXXX received {$1000.00}. from somewhere. i tried to find out who had sent the funds but could not. over the next few months I spent the {$1000.00}. in about XX/XX/2021 my bank received a federal complaint that some lady sent the {$1000.00} to my acct by error, the harris bank agents arbitrarily froze all my accounts I had with them. This freezing of my accts at bm harris caused substantial numbers of my checks to bounce etc. resulting in substantial penalty fees such as returned check fees, overdraft fees etc, I am still paying for those arbitrarly frozen accts and their returned check fees etc. the m harris bank also arbitrarily withdrew the supposed {$1000.00} from my acct as well w/o consulting me or even investigating whether this {$1000.00} was actually sent to my acct in error or possibly simply to cause me financial problems such as overdraft fees etc i am a senior citizen, XXXX yrs old. and on a limited fixed income.also, i had to take early retirement from my teaching job due o an accident possibly a " hit '' because I called the illinois child abuse hot line .i believe I was unnecessarily charged substantial returned check fees etc amounting to about {$2000.00} per acct at bmo harris bnk . will you please help me recover those fees resulting from bmo harris employees arbitrarily freezing my accts causing substantial extra returned check fees etc and returning the {$1000.00} taken from my acct w/o asking me or properly investigating who this lady was, her motivations etc.. e

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