BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Hello, Capital One credit card company through its CapitalOne Platinum Card is misleading consumers by offering and advertising its card as " No Annual Fee ''. 

After I am signed up to this card 5 years ago, now they are changing the agreement without even notifying me and started charging me XXXX $ annual fee. I found out about it looking on my statement. I called them, and they claim it as a " procedural issue ''. Now, that I close this card, it will affect my credit score and history. They want to waive first year annual fee after I stated that I will close my card. but I want them to roll back my card into No Annual Fee policy. 

Had I known at the very beginning, I would have not signed up in the first place. To make an informed decision, I need to know about this at the beginning, when I sign up on my agreement with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13
Company: Ditech Financial LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Basically my taxes are in my escrow and Ditec my mortgage company again trying anything they can to make us miserable. Please help. They didn't fully pay my home taxes and we are getting delinquent letters. I don't understand how my taxes are in my escrow why is this happening! Please help us.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22
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 writing to dispute a fraudulent charge on my account of {$300.00}. {$140.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Landing Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$300.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$140.00} -This is not my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-07
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
this medical bill was paid by me in 2015 as well as my insurance, the collection agency keeps reselling the debit to other companies

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I received a number of misleading threatening phone calls over a span of several years from XXXX XXXX XXXX who refuse to identify themselves at odd hours of the day and night. They ask and disclose personal information to others and I've asked them to stop harassing me on a number of occasions. I've filed complaints that they are trying to collect a debt that someone illegally obtained years ago and way beyond the statue of limitations yet I her spoken to and yelled at disrespectfully by this company

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19
Company: JPMORGAN CHASE & CO.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have been hit with a $XXXX late fee because my $XXXX minimum payment was not received ON XXXX XXXX XXXX XXXX.  My bank (XXXX XXXX) was closed on XXXX XXXX XXXX XXXX so it scheduled and made the payment on the next business day, which was XX/XX/XXXX.  But that was not good enough for Slate credit card (J.P.Morgan), which says I should have called and made the payment over the phone!!!  The pre-scheduled payment on XX/XX/XXXX was $XXXX, but Slate didn't even say thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-11
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XXXX XXXX, XXXX I signed an extension with Santander Consumer USA with the clear understanding from the representative on the phone that after I paid the XXXX payments that I was late on due to issues with XXXX and XXXX that my contract would return to the original agreement. I paid them I think in about 60 to maybe 90 days later, and when checked my credit report it said that Santander was now reporting me as on time, and that all was good. Later about XXXX of XXXX I wanted to trade in the vehicle and so I requested a pay off amount and I was shocked to see that Santander was charging me 62 % interest on my contract. My monthly payment of {$500.00} Santander was applying {$390.00} to interest. An unbelievable 78 % interest rate. And {$100.00} toward the principal. I called the Santander for an explanation and they would keep me on the phone for usually over an hour, then the representative would come back on the phone say that their boss said they would mail me an explanation. Nothing would happen and I would call and it would the same run around. They wore me out. Help me please.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
On XXXX XXXX, XXXX, my account went delinquent. However, I have been paying XXXX XXXX, XXXX XXXX XXXX dollars a month every XXXX of the month since XXXX XXXX. I would like for the information to the reported correctly. I would also like for my credit to show that I am making payments instead of being listed as a " bad debt write-off ''. I am set up with XXXX XXXX to have my payment automatically withdrawn and I have not missed a payment.

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 2018-01-16
Company: Experian Information Solutions Inc.
State: SC
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:
The account was deleted and replaced back onto my account. I requested per FCRA on XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXX an dXX/XX/XXXX for Experian to provide me with the actual documents they have on file to substantiate this charge-off. This account was initially deleted due to Identity theft by XXXX XXXX XXXX. I have requested that Experian once again permanently delete this account with a credit limit of {$600.00}.

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 non-monetary relief
Consumer complaint received 2018-01-14
Company: MRS BPO, LLC
State: IA
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:
MRS BPO out of no where caused my credit to go way down. I have never even been contact by them, unless all the fake bill collectors that have harrased me such as XXXXXXXX XXXX XXXX The XXXX XXXX or XXXX, which have all threatned me in one way shape or form. Anyway I was under the impression by XXXX XXXX XXXX like about 6 years ago that they were investigating somethings and said they would be in touch. They said they would validate the bill, and they had all my info including my email, so when I never heard back I thought it was taken care of and then 6 years later bang, out of no where my credit gets attacked. 

I never heard back but today out of no where MRS BPO files something with the credit bureaus going against my credit. I had no idea of their involvement, the bill was never validated and now all my hard work on my credit has suffered. Is n't a company supposed to validate a bill and contact you before taking such measures? I believe my credit right have been violated, please do something about it and make the take that off my report. I have filed a dispute with experian and asked them to send it to the other credit agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-12
Company: Merchants and Professional Bureau, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I worked for XXXX XXXX XXXX in XXXXuntil the business closed, They have since gone out of business. I signed for many things when the owner was not in the office. I signed for a credit card machine for the company. I never used it for personal things. The machine was returned to the company per owner. 

This company continues to put it on my credit renewing it over and over. He said he would make it a personal vendetta. 

If this was something I personally owed it would of been paid. As you can see from credit rating. I pay my bills and all on time. 

If there is anything you can do, it would be greatly appreciated. 



Yours truly, XXXX XXXX XXXX from XXXX Mail on XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22
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:
My suitcase, wallet, and passport was stolen a couple years ago from my hotel room which resulted in my becoming a victim of identity theft.

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 2019-04-07
Company: Exeter Finance Corp.
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: Account information incorrect

Complaint:
XXXX XXXX XXXX {$22000.00} There is no valid claim, no contracts exist ... account was settled with creditor and has been confirmed.I have never been late either. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claims and reportingsI want this account removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-14
Company: Garrison Investment Group
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have a home improvement loan with XXXX XXXX XXXX XXXX XXXX XXXX XXXX WISCONSIN XXXX. My payment for the month of XX/XX/XXXX was 3 weeks late the day after I paid the bill. I received a notification from my credit monitoring service that XXXX XXXX XXXX made a hard inquiry to my credit report and my wife 's credit report. My wife contacted them about making hard credit inquiries that affect our credit scores for a bill that was not 30 days late and was paid the same day the hard inquiry was made. They told her they are allowed to make hard inquiries on our credit report without authorization to do so because we have an account with them and that it is in the loan contract we signed. I don't think this is legal. I want those hard inquiries removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22
Company: Conn's, Inc.
State: TX
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:
This debt was paid in full on XX/XX/19 for the amount of XXXX. Payments receipts attached below. Debtor is reporting false information on the report claiming it was settled for less than the amount owed. Communication was initiated to get the issue resolved but nothing has happened just yet.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-09
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Upon reviewing my updates, the XXXX XXXX XXXX account was still found in my report which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was on XX/XX/2020, but no response was ever received from them to date. This account, in my report, is late payment for the months during the pandemic. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-14
Company: Experian Information Solutions Inc.
State: PA
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:
On XX/XX/XXXX I opened an account with XXXX XXXX XXXX XXXX and the account was closed on XX/XX/XXXX, A derogatory remark was made on my credit report Experian, XXXX, XXXX, stating that this account has a balance of {$2500.00}, and also that I have late payments XX/XX/XXXX of 120 days late I can not understand how this can be possible is the account was closed in XX/XX/XXXX and how can any account be reporting late for 120 days for 3 consecutive months? Also I did have an account here but my balance has never been {$2500.00}, I do n't understand how they can add {$1000.00} plus dollars to my account, please help me I have contacted this company many times I would like to address these issues by either paying what i truly owe them or get this negative remark removed from 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 2018-01-14
Company: Coinbase, Inc.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I sent a $ XXXX wire transfer to my Coinbase account on XX/XX/XXXX. It was sent from a brokerage account that I own on XXXX ( wired through XXXX XXXX XXXX ). 

I got an email from Coinbase on XX/XX/XXXX informing me that my wire had been reversed because there was a mismatch. 

Its been more than a month and my funds have not been sent back to my account with XXXX. 

I have contacted Coinbases customer service 4 times ( on the mail and on the phone ). I have mostly received automated emails back that dont address my problem. 

I have also contacted Coinbases clearing bank, XXXX XXXX, to inquire about my transfer but they pointed out that Coinbase is in possesion of my funds and have not sent them back. 

On XX/XX/XXXX, I spoke to a representative from Coinbase on the phone. She said my case would be transfered to an specialist with the highest priority and that they would follow up with me soon. 

So far, I have not heard from an specialist and have not received my funds back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: EQUIFAX, 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:
To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I didn't receive any alert. I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors and stopping me from buying my dream home. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. 

Here 's a list of the fraudulent inquiries : XXXX XXXX  XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX XXXX  on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX Credit on XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22
Company: JPMORGAN CHASE & CO.
State: SC
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:
On XXXX XX/XX/2019 I purchased a set of XXXX  golf clubs iron set  on XXXX and paid for them on XXXX VIA my VISA credit card. The golf clubs were not as described and I filed a dispute with XXXX, XXXX and my credit card company. My credit card company gave me a temporary credit while they investigated. The person that I bought the golf clubs from XXXX XXXX sued me in small claims court and I was court ordered to pay him the {$1800.00} VIA certified check. I paid Mr. XXXX the certified check on XX/XX/2019.XXXX  told me ( after I filed a XXXX XXXX XXXX  complaint against them ) that they had to hold my funds for 75 days per federal law. The 75 days was up on XXXX XX/XX/2019 and XXXX told the XXXX XXXX XXXX  that they deposited the {$1800.00} back into my credit card company under my account number. My credit card claims that they never receives these funds and told me that my case is CLOSED and they refuse to redeposit the funds back into my account. I have paid for these golf clubs TWICE. Once VIA XXXX and once VIA CERTIFIED CHECK. I simply want either XXXX or my credit card company to REFUND my {$1800.00} that I have PAID to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19
Company: N.A.R., Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I contacted XXXX XXXX XXXX  via mail in reference to an account I saw listed on my credit report however I never received a response after several attempts. It also seems that the original account XXXX XXXX is still reporting. I have not received any letters from these creditors or a response from them regarding these accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
someone tried to open a credit card in my name and ssn through us bank.

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 2018-01-14
Company: Experian Information Solutions Inc.
State: LA
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:
Hello Experian please delete XXXX from my credit file. You are reporting open as this account should be closed. I have contacted you about and yet its still open. I have attached documents from where I made a claim on here ( cfpb ) and they said they dont have An account for me, in return I know they cant validate that this debt is mines and yet when I dispute to you guys you always update within 6 days and and mail me something saying its been updated from previous disputes which is not fair! You ask me provide proof and you always disregard which is crazy what bout me as the consumer and my rights it seems as if your company is always going with the collectors. Please investigate what documents I have attached and delete this from my file please. 


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 explanation