BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
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 am constrained to file this complaint with your agency regarding my credit card account XXXX, which was opened in XXXX, XXXX, knowing you have a good track record in resolving these types of complaints on behalf of consumers. I am taking this extraordinary step of referring it to your agency, in hopes of getting a favorable resolution because I was unable to do so through the channels established by Capital One. 

As stated earlier, I opened personal Capital One credit card account in XXXX XXXX, and made some purchases on it during that month. Knowing the importance of maintaining a good payment history, I went ahead and made my first payment in XXXX, well in advance of my payment due date of XXXX XXXX, which was returned to my XXXX Bank account ( ending in XXXX XXXX, even after the account had been verified by an agent of Capital One. 

Following that, I made another payment on XXXX XXXX, which was also verified by XXXX Bank for my account ending in XXXX, but it was subsequently returned. Another payment was made on XXXX XXXX using the same account, and that too, was returned and my account closed. During the time that the amount was deducted from my account in XXXX, I attempted to make purchases thinking that since the payment had been deducted from my account, it would have posted to my Capital One account to cover those purchases. Unfortunately, the purchases were declined, and that was eventually ( letter dated XXXX XXXX ) advanced as the reason, along with suspicion of fraud, for which my account was closed. 

After spending hours on the phone with unsympathetic assistants, as you can see for their records and my phone records, which I can produce at your request, I now feel like there is nowhere else to turn but to you, to have this matter resolved because ultimately, the very XXXX bank account which had been flagged for fraud by Capital One, turned out to be the account that the my full payment, plus late fees, was deducted from on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
At XXXX XXXX on XX/XX/2017 ... We received yet another telephone call from ( XXXX ) XXXX. The caller ID listed the number as belonging to Portfolio Recovery. When the voicemail came on the caller hanged up. We immediately called the telephone number back. We spoke to a Representative that identified herself as being XXXX XXXX. I advised this Representative XXXX that earlier this date, I spoke with another Employee, namely XXXX XXXX. It was the same type caller showing the same caller ID ... ( Portfolio Recovery ... that hung-up when the voicemail answered the call at XXXX XXXX on this same date, XX/XX/2017. We have at least Three ( 3 ) calls this week from Portfolio Recovery. ( The numbers were ( XXXX ) XXXX ... @ XXXX XXXX and @ XXXX XXXX ... and ( XXXX ) XXXX @ XXXX on XX/XX/2017. ) After speaking with the last Representative XXXX, I requested to speak with a Supervisor. Minutes later a Supervisor whom identified himself and XXXX XXXX came on the call. I advised Him that I had requested earlier today that " NO MORE CALLS '' ... be made to Our number ... YET ... I received another just a few minutes ago. This is Telephone Harassment and I want this to cease.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-03
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Please correct my credit was paid in full and/or is being paid on. Currently it shows on my credit report as closed bad debt which isnt true.

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 2019-11-03
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 am a victim of identity theft. Some information which appear on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Also, update my personal information to my credit report.

See attachment for the following : A summary letter FTC Complaint form A copy of my Identity Theft Report Police report proof of my identity ; a copy of my drivers license and Social Security card Proof of address A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that 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 2017-12-29
Company: Bull City Financial Solutions, Inc
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing this complaint due to Bull City Financial not responding to my request for validation of this debt. I have written a letter asking for this information in XXXX XXXX with no response and I have also contacted them via telephone with no end result of receiving this information. They are still reporting this information on my credit reports and the 30 days to verify and validate the debt has passed. I would like for them to remove this information since they have not validated this debt in an accurate manner. Both debts are totaling {$280.00} from XXXX. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15
Company: Windham Professionals, Inc.
State: CT
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/XXXX17, debt collector stated that they could not determine the schedule of direct deposit payments even though a copy of the monthly statement from my personal checking account was provided two days prior. Debt collector also requested copy of entire XXXX in order to estimate average income even though total household income was provided weeks previously. I believe they are delaying the repayment process in order to to real more interest against the account. Current debt has ballooned over {$50000.00} since account was transferred to XXXX XXXX and they have not clarified the schedule of interest applied to the original loans. They also call my cell during the week and weekend at all hours of the day from two separate numbers.

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 2022-10-03
Company: STATE EMPLOYEES CREDIT UNION
State: NC
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:
My several attempts for dispute resulted in verification and nothing further. When I contacted the Fraud department I was transferred constantly or placed on infinite hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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:
I been a bank of America customer for well over five years. The service they are currently providing involves checking accounts as well as a couple of credit cards. The issue revolves around one the credit an account open in XX/XX/2016, which I been using actively. through out the years bank of America has issued me certain credit limit increases based on my request and or payment history. However, for reasons unknown to me bank of America has dropped my credit limit from {$5000.00} to {$3000.00}. The action affects my account negatively since by reducing my available credit limit bank of America is increasing my credit usage. A factor that is determinant toward maintaining an ideal credit score. The credit usage is the second most important score within a credit score, second only to on time payment and accounting for about 30 % of a credit score.I am yet to know the effect such action will have on my score but chances by next month it will reflect the damage to my credit score. In any case, it feels as if bank of America is trying to coerce me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
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:
There are many mistakes appear in my report without my understanding.

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 2017-11-15
Company: Continental Services Group, Inc. d/b/a ConServe
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Conserve is reporting an invalid account to my credit file. I 've never heard of this company until I received a credit alert from a credit monitoring service. I have never received any mail or phone call from this company. They are falsely accusing me of owing them {$650.00} for XXXX XXXX College. I have never been registered with XXXX XXXX College. In fact, the last time I was registered at any College was in 1988. Furthermore, I have no contractual obligations to Conserve. This is clearly a mistake on the part of Conserve. Because of their mistake, my credit score, as well as my life, has been impacted negatively. This needs to be resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: Rent Recovery Solutions
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The following is a description of the communication between myself and XXXX at Rent Recovery Solutions. Address : XXXX  XXXX XXXX XXXX, XXXX, GA XXXX I found out about this debt while attempting to acquire mortgage loan. 
>First call XX/XX/XXXX- I told XXXX ( agent I have had contact with ) that how I had found out about this debt. I explained my situations and gave them all of the appropriate contact information ( phone #, address, email and an alternate email ). I requested that they send me a later stating what I owe and for what reason ( as they are required by law ). XXXX said that he would send the letter out to both my physical address and email. 
>2nd/3rd call XX/XX/XXXX - Called because I still haven't received the letter via email or snail mail. No answer. Left voicemail. 
>3rd call XX/XX/XXXX - Called and got through to XXXX again. I told him that I still have not received any documentation via snail mail or email pertaining to this debt. XXXX claimed that he had sent out XXXX letters to both my physical address and email ( I have never received any ). I tried explaining to him that I am not trying to get out of paying the debt, but that I need to have documentation. XXXX proceeded to talk over me the entire call and tell me that the problem must be on my end and that I have an issue with my email AND my standard mailing service. He also, told me that since they had my info and he told me what I owe that I should just pay it. At this point I got frustrated and told him that I did not appreciate being interrupted and I tried to explain my situation again. XXXX then hung up on me. 

Which leads us to now.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15
Company: LendUp Loans LLC
State: GA
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:
My credit report for XX/XX/2018 a 3o day late payment. This was due to the site not working correctly before the close of the statement close date. I called in to complain about it but was unable to get the report resolved. The reps seemed not to know what to do to help me with the problem I was having.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15
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: Account information incorrect

Complaint:
I would like the incorrect remarks removed from my XXXX XXXX XXXX XXXX account to be removed immediately. Please remove remarks from my account.

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 2019-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I spoke with XXXX ( said she was a manger ), XXXX ( Manager ) and all three have told me they would remove the 30 day late several times but did not. I then called back and spoke to a manager named XXXX after being on hold for over an hour. They are saying when I made my payment though my mobile app it did not go through and they realize it was in fact a mistake they made but still refused to removed the 30 day late after they submitted my information to there credit department. 

At this point I do not trust anything they tell me as when you speak to them it's as if they will tell you what you want to hear then nothing changes. I have been on time with them since I opened my account with them which was XX/XX/2018 and my score has gotten much better and not that I am getting close to fixing my credit this happens. 

They refuse to remove the 30 day late and I feel they are doing this on purpose to tarnish my credit in order for me not to close them and get an opportunity to get a better rate switch to a better credit company. 

I am XXXX years old and I am a male XXXX and I feel that they are discriminating against me and preventing me from improving my credit in order for me to eventually purchase a home.

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 2020-09-24
Company: FC HoldCo LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
This complaint is regarding Flagship Credit Acceptance. In XX/XX/XXXX we had our XXXX year old daughter XXXX XXXX from a XXXX XXXX, in XX/XX/XXXX we had our oldest daughter XXXX years old go to sleep and and not wake up, died from XXXX   XXXX XXXX. This year in XXXX we had our XXXX year old grandson XXXX XXXX on the basketball court from a XXXX. We have buried XXXX children in the last 14 years. We asked that Flagship put a payment to the back of our loan so that we could bury our daughter who had no insurance. Flagship said they would and did not when we found out until the next month that they didn't do what they said they were going to do. It took Flagship 2months to do the paperwork, when it finally made the payment now they showed me 30 late. Due to the other deaths in our family we have asked them to do the same thing and again got the same results. We are caught up, but not 30 days late around 25 days late. Every week for the last two months I have been getting several phone calls per week, but yesterday XX/XX/XXXX I received 7 phone calls from flagship including a call at XXXX XXXX. This to me is harassment and I want it to STOP.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02
Company: GreenSky, LLC
State: NM
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
We had a XXXX representative sign us up for a loan to install windows. We were advised by this rep that the loan was 10 year loan at 6.9 % but if we were able to pay off the loan in 5 years then there would be no interest. We were given 3 days to cancel this loan through XXXX. 
It took 5 days to receive the actual loan documents in the mail from GreenSky. The documents in the loan letter stated it was a fixed rate loan of 6.99 % for ten years. There was no mention of the interest free for 5 years we were promised and the rate was also quoted to us incorrectly. 
When reading the terms of the loan from GreenSky, their terms stated we would not be charged until we provided our account number to the Merchant/Provider. This was inaccurate as XXXX had already charged us before we got the account number in the mail. 
XXXX made changes to the initial contract which lead to us choosing not to continue the transaction with them. We never made a purchase with this company but they still billed our GreenSky account. 
We contacted GreenSky to advise them of the inaccurate information provided and the services not rendered and they stated we needed to pay the amount owed on the account. 
We believe there are several violations that have occurred with this transaction. We were quoted a wrong interest and promised interest free when this was not the case. Since GreenSky allowed XXXX to represent their loan in this inaccurate manner, GreenSky should be held responsible for allowing the misrepresentation. Since we never received the product, there should be no issue with GreenSky canceling the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-03
Company: BANK OF THE WEST
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
This bank is acting in a fraudulent manner and discriminating against peoples with disabilities. See documents enclosed.

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 2017-11-15
Company: EQUIFAX, 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:
I recently had an account start reporting on my personal credit history. I had not had a XXXX account report for many years. I made my last payment and closed my account. On my personal credit report, it shows that I have an open account with XXXX and it was closed and charged off in 2014.  Also, when you open a XXXX account you have to pay {$30.00} upfront and they state that the {$30.00} will be your first payment. They did not consider my {$30.00} my first payment and showed me late and each time I made a payment when my email alerted me, I was considered late and they would add interest. I did not know this at the time but I looked at this document and saw the way they were overcharging me. They never credited my first {$30.00} as they stated and they would send me paperless bills to my email and then consider my payment late even though they were billing me. I have submitted dispute after dispute to both the credit bureaus and the creditor with the address that is located on the credit report. I received a letter from XXXX stating that they transferred my account to another lendor and I should contact them. I have the letter as proof. It also shows that I paid the balance in full and then they added a COFINCHRG of XXXX and a COFINCHRG of XXXX. I was not aware of this. I had no idea that after paying my balance off online and having a {$0.00} balance that they would add any kind of extra charges. They never informed me. You can see the consistent payments on the statement they sent me as well. It was not a charged off account. The creditor has it listed as a charged off on my personal credit reports, I have attached them. And the last date of payment was is showing in XXXX of 2014. It shows on the document from XXXX that the last date of payment is XXXX of 2014. I  sent the credit bureaus this proof as well and they still refuse to acknowledge that it is a fraudulent account that does not match my records. They may have me confused with another person but I never paid my account in a charged off status.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am filing to dispute the inaccuracies on my credit report with Transunion.

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 2019-11-03
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I am making this statement as a Notary Public ( CA # XXXX ) for and by the State of California : On XX/XX/2019 my family 's XXXX XXXX XXXX was illegally repossessed from our front driveway without prior notice, either in written or verbal format, from Toyota Financial Services ( TFS ). To wit, TFS has admitted that they withheld said communications under the guise that my family was somehow on a, '' Do Not Call '' list ( false ). In any case, we have redeemed that said repossession and gotten the XXXX XXXX XXXX returned to us on XX/XX/2019. However, TFS still wants {$280.00} in " Late Charges '' by XX/XX/2019 in addition to the regular monthly payment. It is my assertion that TFS is simply trying to reconcile their accountancy system of my car 's record by getting the payment current in all costs and fees.

Company response to consumer: Closed with explanation