BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
Capital One Charged me XXXX  fees that shouldnt be charged. 
XXXX - XX/XX/XXXX - which was on Saturday not a business day, followed by a holiday on XX/XX/XXXX - XXXX XXXX - {$25.00} fee XXXX - XX/XX/XXXX - which was on Saturday not a business day. {$25.00} fee Total for refund : {$50.00} I require the refund for both fees that were incorrectly charged. I have always paid all my bills on time and those charges were not correct at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: DISCOVER BANK
State: OR
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 have two balance transfers through Discover. One is due on XX/XX/XXXX and one is due on XX/XX/XXXX. I recently made a payment of {$2000.00} on my account so I could pay off the amount that was due on XX/XX/XXXX. I checked in today and Discover told me I have an active balance of {$1600.00} on the balance that is due on XX/XX/XXXX. I think, well, this can't be correct. It turns out they applied my entire payment to my OTHER balance transfer, the one that is due a year from now. I went through a representative who wasn't able to help me and spoke with " XXXX '' from XXXX, AZ. He assured me that this is normal and that there is NO WAY to either reverse the charge or apply it to the correct balance. He also told me that there is no way to PAY on that balance, until the entire balance on my balance due in XXXX is paid which sounded even more ludicrous. I asked several times if there was any way he could help me on this and he just kept doing a copy/paste job on what on some scripted text they have. Even after I told him my family would go hungry if I had to pay an additional {$1600.00} on top of the {$2000.00} I already gave the company that month. He kept stating there was nothing he could do. Then after doing some XXXX searches, I found you, you can indeed request the company to reverse your over payment back to your bank account, I told XXXX this and he said " well I didn't think you would want that option ''. Long story short, I'm supposedly getting the {$2000.00} sent back to my bank account, so now I can wait till my balance transfer expires and then and only then I can make the full payment on it. This entire thing made me super skeptical of Discover 's business practices. They're definitely using some loopholes to benefit themselves over the customer and instructing their supervisors to not budge or refund money unless explicitly asked. Once my account is paid up I will be closing this card and running far far away from Discover. Your company can do better than this. I will likely now have a ding on my credit report for letting the balance transfer " expire '', but they've literally given my no other option than to pay the entire balance in full. Very deceptive, predatory practices. XXXX also refused to give me contact information when I wanted to file a formal complaint, so here I am on consumer finance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: EQUIFAX, 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:
I am filing this report because today XX/XX/2020 I applied to XXXX XXXX XXXX  but unfortunately I was not approved because apparently there are several accounts in negative standing appearing on my credit history. I looked through my credit report and I saw many accounts from different companies that are not mine as well as addresses that I have never lived at. I don't know who these accounts belong to but I did not allow anyone to open these or any account on my behalf. I did not benefit anything from any of these accounts such as money, goods, services or any other benefit nor did I contribute to any payments that might have been made towards these debts. I am not affiliated to any of the companies listed on this report ; I do not have any contract or agreement with them nor did I ever give them permission to run/access my credit file. I have filed a complaint with the Consumer Financial Protection Bureau as well as filed a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
Companies- XXXX XXXX XXXX XXXX XXXX Account. XXXX. Line of credit for {$5000.00}. SinceXX/XX/XXXX. 
XXXX has not showed any proof of any type of investigation that I was late in the years of :XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXX. They will not investigate this issue. I have constantly have asked them and the 3 major bureaus to send me proof of documentation stating lates on any accounts I have with them. They will not answer. Please help CFPB

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 2023-07-20
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
They put a promotion for my citi card is XXXX without any authorization they put XXXX interest on the card I asked them why did they added it and they told me a promotion that I never requested or signed for I asked for proof saying that i requested the promotion but they were denying me i wat to resolve this problem because there interest is too much for me I need a solution thank you

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 2022-06-15
Company: BROKER SOLUTIONS, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
When XXXX XXXX XXXX insisted on making me pay, Taxes and Insurance with an Escrow, it Assumed a Legal, fiduciary responsibility and it makes it absolutely liable for any mis-handling or any negligence that results in using any of it, except for its contracted purposes. 
At the closing and included in the closing cost, the Taxes and a full year of ( XXXX XXXX ) insurance was paid, to XXXX XXXX, in advance, so none of my escrow should have been spent. The fact that you illegally paid an insurance bill ; that ( XXXX ) sent, that I did not owe is a malfeasance of your fiduciary duty. 
I have been trying to recover my money from XXXX, Insurance ; the company, that New American paid by mistake, and the Agent XXXX XXXX XXXX is working to help me recover it also. 
I have talked to several of your employees about this and they were to help me also. 
Now you have been sending me a bill for the entire amount of the new, correct insurance ; ( XXXX XXXX ). You also charged me with late fees for not paying it all at once. Please understand that because of your mistake, you have the responsibility of helping me too. 
Now, I have had to get a lawyer to help me. We plan to take you to court and present all of our documented facts ; the same facts that you also have in your contract. 
We plan on suing you for the, ( Late Fees ), the law firms fees, court cost and the all of the money missing from my escrow. 
My attorney has attempted to contact you, and will keep trying. My attorney has said, that if you return the late fees, missing escrow funds and stop sending me bills with the money added to pay for your mistake, we need not go to court. 
I would like to get a response to this letter ASAP,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
With Transunion, I have sent certified tracking the mail yet I cant get a mailed response from this credit agency after sending several complaints I have tried using their website and get error messages of all sorts to say its down for maintenance I waited for a response for 60 days now and no word from them but yet the fraudulent information is updating continuously, I feel these kinds of issues from this company is to discourage me from enacting my rights as a victim under federal law.

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 2023-07-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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 credit bureau has violated the FCRA AND CONSUMER LAWS by never deleting inaccurate ; multiple wrong last active dates, wrong amounts, wrong status, wrong opening date wrong date of last payment, and EVEN UPDATED CHARGE OFF STATUS ACTIVELY EVERY MONTH! LAST ACTIVE DATES ARE GROSSLY INCORRECT AND EVEN ACCOUNT TYPE. 
I have corresponded and begged for 4 months and they continue to ignore all of the proof I have attached here. 
XXXX has continued to report these false items as true on my credit report instead of deleting these numerous accounts as the laws state. 
XXXX XXXX accounts Capital One accounts and XXXX XXXX  WHICH HAS BEEN PAID TO XXXX ON XX/XX/23 This continues to destroy my interest rates, ability to have a vehicle, or buy a house on my fixed income of SSI I need the credit to be correct and its only right to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: SUNRISE CREDIT SERVICES, INC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The company my complaint is on is with Sunrise XXXX. I called them on XX/XX/2020 at XXXX trying to get information on a debt that they said I owed. When I spoke with the individual he stated that the account at a {$0.00} balance and they no longer hold the debt. However the debt is still showing on my credit report for {$2700.00}. I explained that what they were doing was illegal under FCRA by continuing to report this debt under Sunrise when they do not own it. Prior to this I had sent certified mail to XXXX  and XXXX  and Sunrise Debt disputing the debt and no action has been taken and now I understand why because Sunrise no longer holds the debt.I am in the process of purchasing a home and I do not want inaccurate or false information on my credit report.

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 2017-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I disputed the tax liens that 's on my file on  XXXX  different occasions as being incorrect asking for verification and validation.  XXXX  told me to contact the court house whom responded with a letter stating they do n't report to the credit bureaus. I sent a certified copy to  XXXX  and  Transuinon  with a redispute, they responded with i need to contact the IRS. After contacting the IRS their response was the information is incorrect and they do n't report to the credit bureaus. Once again i sent a certified letter to the bureaus with the IRS response and ask that since they have not sent me any type of verification or validation to please delete the information from my file. Transunion have not responded ( even though its been over 30 days  ) a nd   XXXX    stated that they recieved the information from  XXXX   XXXX . At this point I feel as though i 'm getting the run around and nothing is being done. It 's very frustrating and stressful.

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 2023-01-22
Company: Blitt and Gaines, P.C.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The descriptions provided for me did not really describe my complaint. 

The Law Firm of Blitt and Gaines infringed upon my common law copyrighted private property. I informed each of the partners in writing of this infringement and gave them time to respond. They did not respond in time and, therefore, accepted my terms as outlined in the notice by written communication. 

I then sent each of the partners an invoice for the amount of infringement. I have not been paid. This means that they did not report the claim to their bonding company which is a felony. 

Not only did they not report this but they continued infringing on my property for which I will submit another invoice. I just want to get the first part of this issue resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On a few separate occasions I have disputed with all three credit bureaus Equifax, XXXX, and XXXX  pertaining to a credit card with XXXX XXXX XXXX  acct # XXXX for the date of last activity, payment history, status * and the dispute was returned verified. After some further investigation on my part, I am also concerned that these accounts may not belong to me, and/or the reporting to Equifax, XXXX and XXXX  may be inaccurate. In compliance with FCRA 623 ( a ) ( 8 ) ( D ), and enacting regulations published at 74 Fed Reg 31484 ( XX/XX/XXXX ), this Notice includes Identification of the specific information being disputed XXXX, XXXX  and Equifax reporting for Acct Number : acct # XXXX The basis for the dispute : For Payment Status Equifax is reporting Charge-off, XXXX  is Reporting Charged off as bad Debt, while XXXX  is reporting Unpaid balance reported as a loss by credit grantor. For Worst Delinquency Equifax is reporting Bad debt/collection, XXXX  is showing Not Reported, and XXXX  is reporting Charge off/Other Derog. On Equifax Acct # XXXX status is closed, but reports payment history with a 90+ Days Late only on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and on XXXX  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and no dates were reported on XXXX. Also, for the Close Date XXXX is reporting XX/XX/XXXX as a close date while Equifax and XXXX are not reporting a close date at all. For Date of Last Activity, Equifax is reporting XX/XX/XXXX ; However, XXXX  is reporting XX/XX/XXXX and XXXX  reported as Not reported and closed as charged-off without a date of last activity. Also, for Terms Equifax and XXXX  are not reporting while XXXX  is reporting Revolving. Lastly, for High Balance Equifax and XXXX  are not reporting anything while XXXX  is reporting a high balance of {$450.00}. 


I have sent them excerpts of my credit reports showing how these accounts are reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2019 at approximately XXXX I pulled a credit report for the purpose of purchasing a home. When reading over my credit report I noticed that there were fraudulent accounts listed on my credit report. None of which I had knowledge. 

On XX/XX/2019 after unsuccessful attempts at contacting creditors and debt collectors I was advised to file a police report. I filed a police report and the deputy listed the accounts in question. 

On XX/XX/2019 I sent the police report number via email to Portfolio Recovery Associates. 

I mailed dispute letters with a copy of the police report on XX/XX/XXXX to Portfolio Recovery Associates LLC. On  XX/XX/2019 I called to confirm that Portfolio Recovery Associates was in possession of this report number. The associate I spoke with requested a copy of the actual report. 

On XX/XX/2019 I sent three copies of the physical police report for all three accounts Portfolio Recovery Associates was attempting to collect. After numerous phone calls to Portfolio Recovery Associates throughout the following week,  claiming that they did not receive my email, I was advised by a representative from Portfolio Recovery associates to resent the email. 

On XX/XX/2019 I resent the email for the accounts listed. 

I called on XX/XX/2019 to confirm action was being taken to remove the fraudulent accounts. However an employers advised me that because the police report listed the original credit limits and not the amount owed that they would not accept the police report. 

This is a blatant attempt to try and continue a debt collection in a case of obvious fraud. I will take every legal action necessary to fight Portfolio Recovery Associates, Upto and  including civil litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-24
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Eqifax reported information on my account incorrect XXXX appears in my account as a a collection record. I have no knot of this account. This account was previously deleted and now has appeared on my report XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX Account # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-03-04
Company: Experian Information Solutions Inc.
State: MO
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:
When I investigated my credit report, I realized that some of the information was erroneous. Three credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance : {$0.00}

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 2020-06-05
Company: Resurgent Capital Services L.P.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a copy of my personal credit report from all 3 credit bureaus. I sent a certifies letter to the company on XXXX XXXX to the address on the credit report. I have never received any documentation verifying that I have a signed contract, verification I owe them a debt or anything bearing my signature. I have also filed a dispute with the credit bureau notifying them to delete this inaccurate information. Here is the proof of mailing Delivery Attempted Tracking # : XXXX Recipient Address : LVNV Funding XXXX XXXX  XXXX XXXX SC XXXX 1. PRE-SHIPMENT INFO SENT USPS AWAITS ITEM, XX/XX/2020 XXXX XXXX, XXXX, AZ, XXXX 2. PROCESSED THROUGH USPS FACILITY, XX/XX/2020 XXXX XXXX, XXXX, AZ, XXXX 3. ORIGIN  ACCEPTANCE, XX/XX/2020 XXXX XXXX, XXXX, AZ, XXXX 4. PROCESSED THROUGH USPS FACILITY, XX/XX/2020 XXXX XXXX, XXXX, AZ, XXXX 5. SHIPMENT RECEIVED ACCEPTANCE PENDING, XX/XX/2020 XXXX XXXX, XXXX, AZ, XXXX 6. PROCESSED THROUGH USPS FACILITY, XX/XX/2020 XXXX XXXX, XXXX, SC, XXXX 7. PROCESSED THROUGH USPS FACILITY, XX/XX/2020 XXXX XXXX, XXXX, SC, XXXX 8. ARRIVAL AT UNIT, XX/XX/2020 XXXX XXXX, XXXX, SC, XXXX 9. AVAILABLE FOR PICKUP, XX/XX/2020 XXXX XXXX, XXXX, SC, XXXX 10. ARRIVAL AT UNIT, XX/XX/2020 XXXX XXXX, XXXX, SC, XXXX 11. REMINDER TO SCHEDULE REDELIVERY, XX/XX/2020 XXXX XXXX, XXXX, SC, XXXX 12. REMINDER TO SCHEDULE REDELIVERY, XX/XX/2020 XXXX XXXX, XXXX, SC, XXXX

Company response to consumer: Closed with explanation