BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-27
Company: AFNI INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently received a copy of my credit report and I noticed that this company is reporting negative information against my SSN. I have never done business with this company. They have never provided me with any goods or services. I have no contractual obligations to this company yet they have reported to the CRA 's that I indeed do. I am requesting validation. Please send me a signed contract between me and your company. One that I signed and one you  signed. Copies of a copy is not legit. I would like to see the contract with my wet ink signature, detailed statements from the last 6 months, and how this alleged debt was calculated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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:
XXXX charged my Capital One credit card {$3600.00} for a vehicle that i did not receive or authorize on XX/XX/XXXX. I contacted Capital One and they gave me a temporary credit. they recharged my account in XX/XX/XXXX. I then called XXXX to further advise them that there had been a error and that i did not authorize or receive the vehicle listed on agreement. Furthermore XXXX stated that they would launch an investigation, however it is XX/XX/XXXX and i am yet to receive any sort of communication from XXXX and i am be charged over the limit and interest fees by Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
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: Information belongs to someone else

Complaint:
It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information or items which do not belong to me. 

Please Remove these fraudulent items : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1400.00} XXXX  XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1700.00} XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022

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 2017-12-14
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On the reply of my previous complaint XXXX, American Express said they issued XXXX starpoints to my account on XXXX XXXX, XXXX. However, I didnt receive it. American Express simply treated the officers of CFPB as XXXX, and thought that they can just XXXX that they already gave me what I should get, but actually they didnt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: United Resource Systems, Inc
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I want to file a complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Oklahoma for turning over a bill to XXXX different collections agency on a bill that shows a balance of XXXX. His date of his last service was XX/XX/20 I have contacted this office before about this debt that is not owed but they continue to send this to various collection agencies This bill is on my husband XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25
Company: WELLS FARGO & COMPANY
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: Old information reappears or never goes away

Complaint:
I find mistakes in my credit report and would like to dispute inaccurate information in my credit report about XXXX XXXX with Wells Fargo Bank for an Auto Loan of {$10.00}, XXXX + that appeared that I owe double what I really owe and it surely affected my XXXX XXXX from XXXX ( Excellent ) to XXXX ( Good ). 

Thank you and hoping for your kind consideration on this matter.

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 2018-04-18
Company: WELLS FARGO & COMPANY
State: NE
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I purchased a pair of boots from XXXX XXXX online. When I received the boots, the zipper was broken. I sent the boots back and XXXX XXXX reimbursed my debit card XXXX, for the cost of the boots. XXXX XXXX also sent me a letter stating that they refunded the XXXX to my debit card with Wells Fargo bank. I have spent at least seven hours on the phone with Wells Fargo 's executive department and they can not reimburse me the funds because I closed my checking account with them thirty days prior to XXXX XXXX putting XXXX on my old debit card. Wells Fargo said they closed the claim because they sent the funds to XXXX XXXX. In the letter from XXXX XXXX, it specifically states that XXXX XXXX has no account or way to accept funds. This has been going on since XX/XX/XXXX. It is now XX/XX/XXXX. I am filing a fraud complaint since Wells Fargo will not pay me 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 monetary relief
Consumer complaint received 2020-09-17
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:
I contacted the credit bureaus about inaccurate accounts on my credit reports. They claimed they investigated the problem but didnt solve it. Along with this compliant im attaching my recent dispute letters with all the information included sent to 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 2020-07-11
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:
contacted credit reporting agency about incorrect items on my report. 
informed them that i was victim of identity fraud and to remove the inaccurate data

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 2018-07-17
Company: EQUIFAX, INC.
State: NY
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: Problem getting your free annual credit report

Complaint:
I have been attempting to get my report for way over a month, I've called I've written emails and the company is throwing up every roadblock there is. When attempting to pull my report, I get asked questions on accounts I never opened that aren't on any of the other credit reporting sites. I know that Equifax got hacked, and I believe that there is incorrect information on my report and that they are covering it up. The other possibility in they're incompetent, in that case they should not be allowed to operate a credit reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
Company: ERC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On X/XX/2017 my phone rings and shows a number at XXXX. When the in formation shows up it showed that this is a company that I had already reported before to the Credit Bureau for just putting information on my credit report that had been removed over 4 to 5 years ago for a debt that either was not mine or had been disputed by prior credit collection companies who removed the information from the credit report. I also contacted them ( ERC ) and received conformation that the debt was removed. I am not sure how this account showed up almost five years later with ERC and just placed on my credit report with no knowledge of this account by me and with a new age date on my report. After, I informed the credit bureaus and this collection company about this they removed the information but now I have started receiving calls from this company again when I plainly sent in communication not to call me but they continue to call me from different numbers for no reason. When I sent in my communication I let them know I would like to know off the top the statute of limitation on this alleged debt and why did they just put inaccurate information on my report that was re-aged to begin with.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06
Company: FC HoldCo LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Have an auto loan that I acquired in XX/XX/2013, Ive been late a lot of time due to financial hardship but never stopped paying. Now my loan has mature I am done with all my payments and the are charging me almost 2 thousand dollars more. When I called they told me it was late fees and months that I had requested extensions and that I needed to pay all XXXX XXXX dollars at once or they where coming to get my car. called again trying to get a plan to pay everything without them taking my car but I was told now that everything I owe is interest and late fees ( they say today that they are not coming to pick up my car ). The issue is that they are not consistent on why I owe that much money every time I call they give me a different story and on top of that they are constantly harassing me calling me all day long even when I speak to them they keep calling back, they call my job, they call early in the morning late at night from different numbers even from out of the country numbers. They dont check their records before calling even after I pay they call me saying I need to make a payment And a lot of time they are not very nice when they call.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/2018 I logged into my account, looked at the ready to pay off this loan amount for online repayment, and chose the specify for each loan option and chose this loan to pay off the full balance of {$12000.00}. I went onto the account about a week later and noticed they distributed the payments between two loans and did not pay off the full balance of the one loan I specified. They applied {$3600.00} to this loan leaving me with almost a {$9000.00} on this consolidated subsidized loan and applied the remainder to the larger loan. This made it so my payments didnt decrease, I still have balances on both loans with a 6.25 % interest rate. The point of me paying it off was to decrease my debt and start to make a dent in my over {$80000.00} in student loan debt. When I called to complain they told me it was the department of education that redistributed the loan and that I couldnt do anything about it. I am never going to get these loans paid off if I cant take one loan at a time to pay off. These loans show two separate pay off amounts, I make two separate payments each month on them that get applied just fine. I wasnt behind on any of the payments and had made the payment for that month to the other loan already. They used my money how they wanted even though I specified where the money was to go and they had the option online to specify where the money is to go. Also, the full repayment amount for each loan is not showing as one lump sum, it is showing for each loan by itself. And although it let me specify which loan I paid at the time of each payment ( even standard monthly payments ), when you look at all the payments it doesnt specify which loan was chosen in the pending and past payment history. It is deceitful and completely unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
In XXXX of XXXX, XXXX XXXX XXXX put a charge on my credit card for XXXX. There has been an ongoing dispute about this charge because XXXX XXXX XXXX has refused to provide services that were properly working. The result was I cancelled the service on XX/XX/XXXX and installed XXXX XXXX. I have been providing ongoing documentation to dispute this charge and all Capital One is doing is constantly putting the charge back onto the card. I have been unsuccessful in keeping the charge off of the card. As of XX/XX/XXXX the card was rebilled again for the charge. I was told on Saturday the XXXX XXXX that the charge will remain off because all the documentation including pictures were sent by the XXXX of XXXX. This was a lie.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XXXX I certified mailed a dispute letter to Capital One Auto Finance to dispute a account that was showing up on my credit report. I have attached my initial letter, the copies of the signature card information from where their company had signed for my letter dictating all that I was disputing, and began the clock of 30 days to place disputed remarks of my dispute on my credit reports. The only response I got was from them mailing a copy of statements. There are many violations that I will be submitting in a court of law, as well as laws that the company broke in not upholding the standards set before them from the FCRA, and the FDCPA. I have pulled my credit from all 3 credit bureaus and have attached the proof for you to examine that the credit reports are time stamped 31 days after they signed for my letters, and one of the major violations they totally neglected to do is mark my account as disputed on my report, and/ respond with court approved documentation within the time frame with verifyible documents that would hold up in court that the debt was in fact my debt. I demand that they remove the debt reporting to my credit report immediately, and that you as well as the attorneys general offices, and XXXX  hold them accountable for the noncompliance of these said violations and laws that have been broken. I want it removed, and it is my rights. My letter clearly explained what I would do if they did not respond accordingly. I have a well documented case and have all intentions of taking care of it legally if they do not comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06
Company: FACTUAL DATA CORP.
State: ND
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:
On XX/XX/2018, I received a letter from Factual Data stating they had investigated an inquiry made by one of their clients, XXXX XXXX XXXX XXXX XXXX, about my credit worthiness. In the letter they included from XXXX XXXX XXXX, the branch manager states that my credit was pulled on XX/XX/2018 to see if I qualified for some kind of home improvement loan for {$20000.00}. Factual Data failed to show any type of physical proof for my application for such a loan such as a credit application, or even a document showing that I had given my permission for them to run a credit check for such a loan. This inquiry was definitely not initiated by me, the consumer, and I want Factual Data to remove the hard inquiry from all 3 of the credit bureaus, ( XXXX, XXXX, XXXX  ) at once because this demonstrates a defamation of my financial character and willful negligence to damage my credit score under the laws of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: Experian Information Solutions Inc.
State: VA
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:
I accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2018-04-18
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Information belongs to someone else

Complaint:
MY XXXX  CREDIT REPORT IS REFLECTING A CLOSED NEGATIVE CAPITAL ONE ACCOUNT WITH AN OUTSTANDING BALANCE THAT DOES NOT BELONG TO ME I PREVIOSULY DISPUTED THIS WITH THE COMPANY AND XXXX AND IT WAS TO BE REMOVED FROM MY CREDIT FILE BUT IT IS NOW APPAERING AGAIN AS OF TODAY

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
Account was paid in full from balance transfer but the Company closed the account. It should have been closed and Not charged off. A Walmart 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 explanation
Consumer complaint received 2019-08-20
Company: Experian Information Solutions 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:
XXXX; Experian and XXXX are reporting incorrectly a charge-off on the XXXX/XXXX – partial account number XXXX.  (Please see page 15 of the attached credit report.)  This account was settled and paid-in-full over five (5) years ago.  This incorrect reporting of a charge-off is harming my credit score and this line item needs to be removed from my credit report.  I have contacted the (3) bureaus to remove this, however I have not been successful.

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 2018-04-18
Company: WELLS FARGO & COMPANY
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: Problem with personal statement of dispute

Complaint:
I have an issue with my mortgage. I was unemployed from XX/XX/XXXX through XX/XX/XXXX. In late XX/XX/XXXX, I approached Well Fargo to request a re-fi to enable me to reduce my burden given my employment situation. They agreed and asked us to pay a small amount monthly, which we paid on time every month, and they eventually came up with a 40 year plan with a higher interest rate in XX/XX/XXXX ( predatory? ). We agreed to the terms and began to make payments on this new loan. We didn't have much choice as I had not yet landed a job. All of our payments have been as per commitment and on time for this new loan starting in XX/XX/XXXX. Well Fargo then reported us late to the credit agencies in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX,  without notifying us. We were applying for a loan and were denied due to poor credit from late mortgage payments. We disputed this and it was rejected even though they sent a letter saying that they will not report us late to agencies as long as we were on time. The letter actually contradicted itself! In speaking with their loan consultant during that time period, I made it crystal clear that we did not want this to impact our credit, and that we would draw the money from other places to make payments to avoid credit impact for this secured loan, and she said it would not affect credit as long as we complied with new payments as requested. We did comply. When we complained about this, we were given a case manager to specifically work on our case and were told to call her for assistance while this was being worked. I called the Case Manager about 5 times and she never returned my call. She chose to deal with us via postal mail, not even email, with contradictory messages! Ironically, all the reduced payments did was add the interest to the end of our loan and increase the loan amount! I'm now gainfully employed and have been since XX/XX/XXXX but we're not able to qualify for a loan for our XXXX going to college and relocating there in support of them. What can we do to get our credit repaired quickly, given that Well Fargo still claims that their process was followed correctly? How can we be reported as late those months when we were making payments on time? Thanks in advance for the help and advice.

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