BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-26
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Their investigation did not fix an error on your report

Complaint:
You are in direct violation of FCRA 623 ( a ) ( 5 ). Negative re-aging debt on a credit report is changing the delinquency status of an account to fool the credit bureaus into thinking its more recent than it really is, which is what you are doing by reporting the account as such and updating it monthly. I am very well versed in credit law and the practice of re-aging accounts. As you are no doubt aware, a collection is tied to the original account before it is charged off.You report that this account was opened - and therefore you are re-aging this account, which is illegal - so you are in violation of the FCRA, with fines of { {$1000.00} } per incident. I am requesting that you investigate this matter under the FCRA : * FCRA 623 ( a ) ( 8 ) Ability of Consumer to Dispute Information Directly with Furnisher * ( E ) Duty of person after receiving notice of dispute. After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall -- * ( i ) conduct an investigation with respect to the disputed information ; * ( ii ) review all relevant information provided by the consumer with the notice ; * ( iii ) complete such person 's investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section ; and * ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. In addition to the investigation, I am going to have to insist that you remove this illegal account from my 3 credit reports ( XXXX XXXX XXXX ) or you should expect an intent to sue in the mail, because I will have no choice but to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have been disputing with the bureaus since XX/XX/XXXX, some inquiries that I never approved of, and obviously did not obtain credit for. The bureaus did not delete the inquiries, nor did they respond within the 30-day timeframe that they are supposed to respond in. On XX/XX/XXXX I sent another letter to each of the bureaus, demanding they delete the inquiries that I did not authorize. It has been a total of 119 days and today is XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

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 2020-12-03
Company: WELLS FARGO & COMPANY
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Wells Fargo reporting late payments past Due 30 days and balance incorrect. I reached out to the loan department several times this year regarding the impact the pandemic has cause my financial circumstances. I still managed to make payments. I made a partial payment XXXX they reported late on XXXX. My principal balance is {$120.00} to date they report a balance of {$640.00}.

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 monetary relief
Consumer complaint received 2018-03-06
Company: AES/PHEAA
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: Account information incorrect

Complaint:
I have called these companies and told them about the inaccurate information on my credit report and nothing have been done I will like for the information to be fixed I have also sent out letter to these credit report agencies and their has not been nothing done with in the 30 day time limit of the letter which is violation of the FCRA dates that i have reached out have been XX/XX/2017 and no actions have been made to complete the accurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27
Company: EQUIFAX, INC.
State: GA
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:
ALL 3 " CRA '' CONTINUE TO VIOLATE " FCRA '' WITH REPORTING MEDICAL PRIVACY ACT INFORMATION IN WHICH VIOLATED " HIPAA '', NOT MY ACCOUNT, ID FRAUD

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
Company: QuadPay
State: GA
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:
Dear Consumer Financial Protection Bureau, CFPB : QUADPAY VISA ( XXXX ONLINE PURCHASE ) is trying to steal money from my XXXX Debit card ending in XXXX. I purchased XXXX products on XX/XX/2020. The total for purchase ( after returning 2 items ) is {$59.00}. 

Summary : 2 items from order numbers ( XXXX ORDER : XXXX THROUGH QUADPAY ORDER : XXXX ), have been returned. 

( 1 ) XXXX XXXX BOOT ( CHESTNUT  ) WERE DAMAGED, AND ( 2 ) XXXX  XXXX XXXX  XXXX  XXXX  ( NOT WANTED, WRONG SIZE ) Both QUADPAY AND XXXX ARE REFUSING TO ISSUE REFUND REGUND {$26.00} ( what I Am Due ). The XXXX  XXXX  Slides purchased ( Cost : {$75.00} XXXX {$20.00} REWARD COUPON, Tax {$4.00}, TOTAL : XXXX ). QUADPAY HAS SLREADY DEBITED MY XXXX CARD {$86.00} ( 1 installment of {$350.00} ) ; however, with the returns, I MO LONGER OWE THEM, THEY OWE ME {$26.00} I have contacted both XXXX ( telephone and email ) and QUADPAY to no avail. QUADPAY IS STILL TRYINGVTO STEAL MONEY I DO NOT OWE THEM. 

NOT {$26.00}. PLEASE SUCCESSFULLY PROCESS {$26.00} ( ADDITIONAL XXXX ). QUADPAY, YOU DO NOT HAVE AUTHORIZATION TO DEBIT FORM OF PAYMENT XXXX CARD ENDING IN XXXX FOR XXXX ORDER : XXXX, QUADPAY ORDER : XXXX. 

XXXX has been contacted and a dispute filed XX/XX/2020 ( MONDAY, TICKET NUMBER XXXX ). They are refusing to come into comportment with REGULATION E. I have to eat, they are too UNCOOPERATIVE. 


Sincerely and Respectfully, XXXX XXXX XXXX  Phone : XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
The overpaid my credit card bill and it is taking citi bank 15 to 20 days to return my money. I asked, why does it take so long, the answer was that this is their process. The real reason is that they want to hog my money to earn interest on it. 

This is unfair and unreasonable. The refund was requested on the XXXX it took them unit the XXXX to approve it after it was expedited. I wish the senate finance committee looks into such abuse of consumers.

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 2021-03-01
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
We were in Forbearance due to Hurricane Laura destroying our home. The insurance company paid off the mortgage. We were preapproved for a new mortgage in XXXX with our credit scores a little over 700. We found a house and mortgage company ran our credit again. Loancare reported us as 90 days past due. We have tried numerous times to get this corrected following loancares procedures. Unfortunately we get the same response every time and nothing happens. We are set to close on our new house XXXX and after 1 hour and 53 minutes on the phone again today I was told our request was escalated and we would have an answer by Friday. I cant even count the number of times we have been told that and nothing has been done. Please help. 
Sincerely, 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 explanation
Consumer complaint received 2021-03-15
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX XXXX XXXX XXXX   XXXX : XXXX XXXX : XXXX Transunion : XXXX, XXXX XXXX XXXX : XXXX XXXX Transunion : XXXX, XXXX XXXX XXXX : XXXX Transunion : XXXX, XXXX Transunion : 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 2018-03-06
Company: ENCORE CAPITAL GROUP INC.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I mailed XXXX XXXX a dispute letter asking the company to verify a collection debt. On XX/XX/2018, I received a credit card statement showing the account was closed and charged off. I have no knowledge of this account. A bank statement is not sufficient proof. I need a copy of a signed credit card application from the original creditor to prove that this debt is mine. I don't recall having this credit card account, nor making purchases on the account. I would like to see a copy of payment history, because I've never made a payment to the original creditor. Please have XXXX XXXX to provide a document bearing my signature or some kind of proof that indicates I've accumulated this alleged debt. Please investigate this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30
Company: BB&T CORPORATION
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
When I purchased my home I put 20 percent down but was still required to pay private mortgage insurance for 5 years. I was given an amortization schedule showing that the private mortgage insurance automaticly end after myXX/XX/XXXX payment. My mortgage was then sold to BB & T who is not following the schedule I was given at closing on the property. I have been in contact with BB & T and have been told by 3 different employees that i must continue paying thr private mortgage insurance XX/XX/XXXX. I believe thus is unfair and should not be charged extra on my mortgage for mortgage insurance starting XX/XX/XXXX..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Two debit cards with checking account came in the mail to me the first was XXXX and the other XXXX. I dont remember opening either of these accounts and not sure how they obtained my information.

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 2018-07-03
Company: Experian Information Solutions Inc.
State: MA
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 was going through my credit report and noticed several hard credit inquiries that I don't believe I personally authorized. I've attempted to contacted each of those creditors listed and the credit bureaus that appears on my credit report. But after spending countless of hours and days on the phone with them and follow up through mail letters, Ive being giving run around, and they are still reporting inaccurate, incomplete and unverifiable items on my credit report. I've also personally wrote to the credit bureaus to look into this and I haven't received any responses over 30-45 days. Again, I did not believe I personally authorized anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights, and I would like these hard inquiries removed from my credit report immediately if they can not be verified. 

Here are some of the list i came across and any other more than 30 days old ... 
XXXX/XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/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 explanation
Consumer complaint received 2022-08-07
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I contacted Venmo about a transaction that was sent to the wrong account due a malfunction with the app ( and refused to troubleshoot the issue with the app ). The payment which was labelled rent was directed to an ex-roommate who left on bad terms. I contacted Venmo who instructed me to have him call them to return the funds. He did so but Venmo had extracted the funds for a debt that he owed them. They refused to do anything about returning the funds when he informed them to return them to me. The amount was {$1800.00} and they have tried to place the burden on the receiver when they have acknowledged that he wasn't supposed to receive the funds. This is also reflected in my Venmo history with two payments to my landlord once a month. 

I have submitted a police report and a report to the FTC about the issue. We did exactly as Venmo instructed and refused to return the funds to pay off the person 's debt. I am now having to scramble to find a means to pay my rent while Venmo refuses to process the refund even after having the person they told me to contact to contact them and approve the payment back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22
Company: Experian Information Solutions Inc.
State: FL
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 checked my personal credit report, and I noticed the unauthorized inquiries have been made. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX I contacted and asked them to remove their credit inquiry from my credit profile. I request that you initiate an investigation into the inquiry listed below on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized

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 2020-08-25
Company: EQUIFAX, INC.
State: AR
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 went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that I needed to act. I pulled my credit report and there are many fraudulent accounts that do that belong to me. Please remove these fraudulent accounts from my report. XXXX XXXX XXXX XXXX {$8900.00} XXXX XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$3500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: Receivables Management Partners, LLC
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A company named XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX had erroneously invoiced medically related charges from dates in which they can not substantiate on a date of XXXX This medical conglomerate keeps attempting to sell a fraudulent collection account in which RMP services/XXXX XXXX XXXX XXXX XXXX ( XXXX ) has dismissed in its entirety on XX/XX/XXXX. The legal matter was escalated to the state government and the parent company XXXX. XXXX XXXX has now once again placed my good credit in question by placing unsubstantiated medical debt in collections which they have reported as opened on XX/XX/XXXX. I had never received any letter of demand or invoicing from RMP after they wrote to me that they were going to request tradeline deletion of any derogatory credit reporting for the collection matters. I am currently unemployed and a veteran of the armed forces. I have opened disputes with the credit reporting bureaus and I am happy to report that XXXX has already removed this fraudulent collection attempt. Please write to RMP and reference their letter to me and ask them why they still reported the collection account. Please also ask them to substantiate the medical debt by sending proof of a valid contract or consent for treatment with XXXX or XXXX XXXX from the alleged date of service XX/XX/XXXX or XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: Southwest Credit Systems, L.P.
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:
Southwest Credit Systems continues to blatantly report an inaccurate, unverifiable entry on my credit reports. The entry on my reports reflect that Southwest Credit Systems reported this entry to my reports on XX/XX/2020, yet they did not provide any communication to me prior to inserting on my credit reports. No dunning letter was received from this company. I have never did any business with this company, nor have I ever heard of the company. Once I became aware of this negative entry on my credit report, I immediately began disputing. My first disputes were with each of the credit bureaus and the responses provided from each bureau reflected that the entry was verified by Southwest Credit Systems. To that end, I sent a letter to Southwest Credit Systems ( see attached ). None of my letters have been returned or undeliverable ; therefore, I know the company received my certified letters. To date, this company has not provided any documentation bearing my signature or proving the validity of the entry they are continuing to report. After numerous attempts seeking validation from Southwest Credit System, only to be ignored and/or proving they are unable to furnish the original terms and conditions agreed to as well as any and all terms and conditions that were enforced after the original terms as per the alleged original creditor, XXXX. Additionally, they did not respond with a summary of all account activities, including all payments made, late charges, interest, date of payments received, date of payment posted, charges made, and date of charges posted. In my correspondence to them I requested copies of all documents sent to me regarding this account ; again they did not oblige. Lastly, they did not prove the statute of limitations had not expired on this alleged debt. It is obvious that Southwest Credit Systems is not able to validate their allegation with documentation ; therefore, in the absence of them responding with any documentation to substantiate the alleged debt with signatures, this entry must be removed from my credit reports immediately. It has been long overdue for them to respond and they've not ; therefore, delete this entry immediately.

Company response to consumer: Closed with explanation