BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
Exhibit A : CapitalOne Bank kept open XXXX XXXX checking account that was closed nearly two years in order to consume every cent. I received letter dated XX/XX/2020 indicating account finally closed. CapitalOne Bank had wiped out funds left in my account that CapitalOne initially closed when I complained of fraud. In fact, CapitalOne also closed all XXXX accounts also that I XXXX. 
Exhibit B : CapitalOne Bank had agreed to lower monthly payments on credit card to {$110.00} due to COVID-19, but statements constantly much more. 
Exhibit C : CapitalOne Bank did not offer lower payments on credit card that has limit of {$500.00}. Increases in monthly payments continue while no assistance due to COVID-19.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-06
Company: Convergent Resources, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I found a debt listed in my credit report by XXXX XXXX. The original creditor was listed as XXXX. This debt was formerly listed by another credit  collection company, XXXX, but was removed from my credit report after I filed a claim with them for fraud as this was not my account. 

Apparently the debt has been sold to Convergent who has reported it within the last month to the credit reporting agencies as a new collection. I sent a written request for debt validation on XX/XX/2018 certified return-receipt mail. I received a letter of debt " verification '' on XX/XX/2018. The " verification '' does not include any of the information I requested to be included in the debt validation. Among other requested items, there is no signed contract.

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 2019-01-28
Company: Applied Business Services, Inc.
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 never received a statement and by law they are not suppose to charge me interest or late fee if O had not received the bill .and the refuse to take it off and its a federal law they have to remove all fees .They have charged XXXX in fees and reported me late

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
ACH Debit XX/XX/19 an attempt was made to withdraw {$7900.00}. My account did not have overdraft protection but my bank withdrew {$4800.00} and left me with a negative balance of - {$3000.00}. I was sent a email notification that my account was {$0.00} and checked online to see the amounts stated above. I called my banks online banking and had a ref # assigned to the incident. And a stop pay issued. My bank listed in the transaction as processing. I told my bank do not pay the money, their response was they could not guarantee it because it was a computerized process. I then went to my banks local office and saw a personal banker. They stated they could not do anything more then had been done. I had not preauthorized or authorized the ACH Transfer Debit. My bank stated anyone can initiate an ACH Debit if they have my name address, routing and account number, and falsified to their bank the appropriate online documents. I called the bank making the ACH Debit and they stated it can only be done by one of their account holders if the account holder was paying off a loan, credit of debit card debt. On XX/XX/19 my online account information and balance was back to normal like nothing happened. I write checks to pay my bills and make other purchases. The banks are acting like it's my fault and their fraud divisions are acting properly.

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 2018-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have contacted transunion via mail several times to get them to remove a negative 11-year account from my credit report, to no avail. After several months of communicating with  transunion, the account still exists. The account is from XXXX from 2007.

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 2019-01-28
Company: WELLS FARGO & COMPANY
State: OK
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
The complaint is about Wells Fargo home mortgage added a repossession of an automobile to my mortgage balance. That the balance of the repossession was added to my mortgage balance. This happened last year and I wasnt notified. The company is Wells Fargo. Myself and Wells Fargo. I would like to know if I have a class action lawsuit against with Wells Fargo and if I can have my mortgage removed from Wells Fargo without refinancing it. My mortgage is a VA loan.

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 2018-04-13
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I got the 1st closing notice back in XX/XX/XXXX and got a couple of closing notices afterword. Until now ( XX/XX/XXXX ), I still don't have a closing date. My attorney had provided whatever they want in a timely manner but the Bank keep coming up with new document requirement. At the same time, mortgage rate is increasing. Therefore, I insist that the Bank is intentionally holding off my closing and wait for the rate to increase. Whenever I contact the bank for an update, I got no response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-24
Company: EQUIFAX, 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 status incorrect

Complaint:
I WAS NOT LATE ON MY AUTO I WAS XXXX  WITH XXXX  XXXX PLEASE HELP TO UPSDATE MY CREDIT I ENCLOSED PROOF

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13
Company: CBM Services, Inc.
State: MI
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 have several collection accounts with this agency and they should be from XXXX and XXXX. However they were reaged to XXXX ... When the creditor took it over. This account has been illegally reaged.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08
Company: IQOR US INC
State: PA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Just over ten years ago, XXXX XXXX, and/or their subsidiary collection agencies, began threatening my grandmother (co-signer) with lawsuits and my mother's work income (also a co-signer). Now, XXXX is using a collection agency called Allied Interstate to collect the debt. Allied Interstate sent me a letter proposing that I pay 1/14th of the amount I owe in order to "pay the debt in full." With the advice of a credit counselor, I contacted XXXX, listed as the original creditor, to confirm and verify this proposal. Before I could speak with a representative, the call was directed to Allied Interstate. I asked the representative, "XXXX XXXX," to request a letter from XXXX confirming the proposed debt settlement. The Allied Interstate representative stated "XXXX will never do that." He also stated, "don't listen to your credit counselor." I need to know if this is a legitimate proposal, and I have a right to know from the original creditor.

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 2020-06-24
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:
I HAVE REVIEWED MY CREDIT REPORT AND I HAVE FOUND SOME INACCURATE ACCOUNTS AND INQUIRIES THAT IS REPORTING ON MY CREDIT WITHOUT MY KNOWLEDGE. THE ACCOUNTS AND INQUIRIES DO NOT BELONG TO ME AND IS NOT RELATED TO ANY TRANSACTIONS THAT I HAVE EVER MADE. I HAVE ABSOLUTELY NO IDEA AS TO HOW AND WHEN THESE TRANSACTIONS TOOK PLACE OR WHEN THEY WERE PLACED ON MY CREDIT FILE. IT IS WITHOUT A DOUBT THAT MY PERSONAL INFORMATION WAS MADE ACCESSIBLE BY SOMEONE UNKNOWN TO ME WHO HAVE MANAGED TO OBTAIN THESE ACCOUNTS AND INQUIRIES. I AM ASKING THE A RE-INVESTIGATION TAKES PLACE IN THIS MATTER SO THAT THE NEGATIVE ACCOUNTS AND INQUIRIES CAN BE REMOVED OFF MY CREDIT FILE AS SOON AS POSSIBLE.

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 2019-01-28
Company: EQUIFAX, INC.
State: MO
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:
The credit agencies are saying that I owe a debt inwhich I do not owe and I have proof from the courts. So by the credit agencies coming back saying verified, I'm requesting the Method Of Verification, who verified what and when.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28
Company: Experian Information Solutions Inc.
State: TN
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 a first time home program seminar and they told me that I couldnt sign up because of my credit. I got a copy from the annual report and there are alot of items on my credit that is not mine. Please remove so I can co sign for my son a car. N/A ( Acct # XXXX XXXX  ), XXXX XXXX.XXXX  XXXX/XXXX-XXXX, XXXX, XXXX, XXXX XXXX XXXX. I also saw where my credit was ran several times and I went through it and these inquiries are not mine. I dont run my credit like that : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX/XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX 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 have contacted the police and the people at FTC. I'm doing this on my own and need help.

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 2018-06-21
Company: IQOR US INC
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
A debt for {$560.00} reported by allied interstate to all credit bureaus for XXXX XXXX for equipment and bill. 
I sent all equipment to XXXX and paid last bill here is the proof from the us postal office and XXXX XXXX paid bill

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 2020-06-24
Company: ONEMAIN FINANCE CORPORATION
State: NE
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
I was tricked into taking out this equity loan years ago and now I'm sure I've paid 3x the amount of the loan which was $ XXXX. They ran a credit check and made me an offer. I accepted the offer and agreed and paid the {$500.00} appraisal fee for my home. They then came back a few days later saying they missed something on my credit report and the terms of the offer had now change. I felt I couldn't back out because they said I would lose my {$500.00} appraisal fee because it was not refundable. I can't even view the loans total history because it's been sold a few times, but I still owe $ XXXX after 13-15 years of paying on the loan. They haven't made any offer for a new better rate or any relief. I believe one of the previous lenders was XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-08
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
The problem I am having is because Ocwen my loan servicer made mistakes on my escrow account. I even talk with the company about the mistake and was told that I did not know what I was talking about. Then in XXXX they told me a mistake was made and they took out a loan to cover it and I now have a extra XXXX monthly on to my mortgage. I 'm XXXX since XXXX. I am on a fixed income XXXX is a lot for me in my budget as I stated in complaint with Illinois XXXX I feel they should eat their mistake when I called and made them aware. As I began to asked question. A lot of home owner have the same problem my mother has Ocwen and had the exact same incident. I would ask the you please look in to this because I very well may lose my home. Please help I 'm missing my left hand in a work accident in XXXX which also damage my XXXX which cause me to have XXXX pump and the XXXX pump malfunction which cased aneurysm. I hate share my story because it looks like I begging but I have worked all my life sometimes 2 jobs to make ends meet with my XXXX frustrating when trying to do the right thing

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 non-monetary relief
Consumer complaint received 2019-01-28
Company: Experian Information Solutions Inc.
State: MO
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:
The credit agencies are saying that I owe a debt inwhich I do not owe and I have proof from the courts. So by the credit agencies coming back saying verified, I'm requesting the Method Of Verification, who verified what and when.

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 2021-02-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
This company continuously declines me even though I have good credit and am above their requirements. I was even denied for a secured credit card. I feel I have been discriminated against.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28
Company: Experian Information Solutions Inc.
State: VA
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 sent final bill to incorrect address. Is report XXXX on my report XXXX XXXX formally XXXX XXXX switched companies did not provide me with any new contact information or payment instructions ... reporting my payments late XXXX XXXX XXXX XXXX changed credit cards from visa to MasterCard mailed my card to a old address I used bill pay to make payment with old card number not aware of a change and my cc charged off I found out when collectors called. XXXX All of the companies above are refusing to own up to communication errors and fix my 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 2019-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 a first time home program seminar and they told me that I couldnt sign up because of my credit. I got a copy from the annual report and there are alot of items on my credit that is not mine. Please remove so I can co sign for my son a car. N/A ( Acct # XXXX XXXX ), XXXX XXXX.XXXX  XXXX/XXXX-XXXX, XXXX, XXXX, XXXX XXXX XXXX. I also saw where my credit was ran several times and I went through it and these inquiries are not mine. I dont run my credit like that : XXXX XXXX  XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX/XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX 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 have contacted the police and the people at FTC. I'm doing this on my own and need help.

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 2019-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 sent final bill to incorrect address. Is report XXXX on my report XXXX XXXX formally XXXX XXXX switched companies did not provide me with any new contact information or payment instructions ... reporting my payments late XXXX XXXX XXXX XXXX changed credit cards from visa to MasterCard mailed my card to a old address I used bill pay to make payment with old card number not aware of a change and my cc charged off I found out when collectors called. XXXX All of the companies above are refusing to own up to communication errors and fix my 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 2019-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 have disputed the following accounts month after month and the 3 major bureaus investigation concluded that accounts has been verified. Verified by who, when, where. And where is the physical documentation of these findings. I'm requesting the Method Of Verification as my right via FCRA. The following accounts are ( 1 ) XXXX XXXX, ( 2 ) XXXX XXXX XXXX, {$760.00}, ( 3 ) XXXX XXXX, {$150.00}, ( 4 ) XXXX XXXX, {$56.00}, ( 5 ) XXXX XXXX XXXX, {$510.00}, ( 6 )  XXXX  XXXX XXXX, {$32.00}, ( 7 ) XXXX XXXX XXXX, {$53.00}, ( 8 ) XXXX XXXX XXXX, {$29.00}

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 2019-01-28
Company: EQUIFAX, INC.
State: VA
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 sent final bill to incorrect address. Is report XXXX on my report XXXX XXXX formally XXXX XXXX switched companies did not provide me with any new contact information or payment instructions ... reporting my payments late XXXX XXXX XXXX XXXX changed credit cards from visa to MasterCard mailed my card to a old address I used bill pay to make payment with old card number not aware of a change and my cc charged off I found out when collectors called. XXXX All of the companies above are refusing to own up to communication errors and fix my report

Company response to consumer: Closed with explanation