BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX I had some extra money and wanted to pay the balance off on 1 of my credit cards. I made a {$560.00} payment and scheduled it for the following week. I then decided I wanted to split the payment and put half on my other card so I tried to cancel the payment online and it wouldn't let me. I called on XX/XX/XXXX ( item # 1 ) and spoke to a Capital One rep and told her the details and she told me she has canceled the payment and that I can go ahead and make payments to both of my accounts. On XX/XX/XXXX my bank account had a return from insufficient funds and a fee. I look on Capital One account and the payment that the customer rep told me she cancelled actually wasn't cancelled tried to go through so Capital One account gets a returned Online ACH Payment ( item # 2 ). Because of this, both of my Capital One accounts were closed. I understand that they can close any account at any time for no reason but the decision was based on a Capital One error. So I start calling the regular customer service number and I would get a manager and they kept telling me they would look into it and get back to me. For months this was the same story, sometimes I would deal with the fraud department. Always ended up with no call back to me. On XX/XX/XXXX I tried the Capital One XXXX account and the first attempt was the same outcome, They always say they will pull the call and listen to it and get back to me, but never happens. On XX/XX/XXXX I try again with XXXX ( item # 3 ) and XXXX or XXXX help me and said she looked into the case and listened to the call and agreed that the Capital One rep told me she canceled the payment. She then told me she should be able to get my accounts reopened. But she never got back to me me after that so I again sent messages on XXXX and that eventually led to another dead end. I then sent a fax ( item # 4 ) and got someone from the executive office to look into the case XXXX XXXX XXXX. She listened to the call and did some investigating and finally got back to me and told me they can't reopen the accounts because they have been closed for too long but they will start two new accounts and transfer my balances over. Then a few days go by and I get a call and XXXX tells me that the underwriters won't approve my 2 accounts because my credit score dropped way down and that I have no ability to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: National Credit Systems,Inc.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NV XXXX XX/XX/2020 National Credit Systems , Inc . 
XXXX : XXXX XXXX, Collection Representative XXXX XXXX XXXX XXXX, GA XXXX XXXX : Account Number XXXX Dear XXXX XXXX, This is my second letter to National Credit Systems , Inc. concerning an obligation to XXXX XXXX XXXX. My previous letter was dated XX/XX/2020, and was sent to National Credit Systems , Inc. via United States Postal Service ( USPS ) certified mail with a return receipt requested. As of Thursday, XX/XX/2020, I have not received that return receipt. 

In my letter, dated XX/XX/2020, I expressed that the first written correspondence I have received concerning this obligation was the letter from National Credit Systems , Inc. dated XX/XX/2020. I specifically requested that National Credit Systems , Inc. provide verification that this obligation was factual by providing me with the following information, in accordance with the Fair Debt Collection Practices Act ( FDCA ) ( Section 1692g ) : Proof of my agreement to pay the original creditor ; A copy of the final account statement issued by the original creditor ; A breakdown of the total amount due, showing principal, interest, and other charges ; and For all other charges, the date of and basis for each charge. 

I also specifically stated that the debt should not be reported to the credit reporting agencies because I am disputing the obligation. 

Since I have not received neither the requested information nor any other written documentation from National Credit Systems Inc., I was dismayed to learn that this obligation has been reported to the credit reporting agencies since I am disputing the validity of it. Consequently, I am filing a complaint with the Consumer Financial Protection Bureau, the Federal Trade Commission, the state of Georgia Office of the Attorney General, the state of Georgia Department of Law Consumer Protection Division, the XXXX XXXX XXXX, and will be disputing the obligation with all three credit reporting agencies. 

I will reiterate that National Credit Systems , Inc. should contact me regarding this matter until the requested information is provided and the obligation verified. 

Thank you and be well. 
Sincerely, XXXX XXXX Cc : Consumer Financial Protection Bureau Federal Trade Commission State of Georgia Office of the Attorney General, Consumer Protection Division State of Georgia Department of Law, Consumer Protection Division XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08
Company: Experian Information Solutions 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 status incorrect

Complaint:
Hi I am happy to know you can assist me this this error XXXX XXXX has made on my credit report. The mistake is that on XX/XX/2018 i was speaking to XXXX XXXX on the phone I had asked them when they were going to mail out my credit card they acted like they already did when in all reality they did not do so they have failed to mail it out by mistake and have all said to my knowledge it never left their office facility I believe because I had called several times and they kept saying they have mailed it out and each time it was a different date said and they were just reading notes off the screen from different representatives who meant to mail it out to me but never did and I know this is is because of them getting confused with the fact that I had filed a claim with cfpb and XXXX  because  they put in that I asked for a credit increase in XXXX then that was changed. Then a mistake on my account newly appears that what XXXX XXXX  has opened up a new account on the XX/XX/XXXX without my consent and it shows this is my credit report and has lowered the score by like 72 points they did this when they mailed out a new card they put it in as lost or stolen and opened up a new account for my account protection but instead this is not what needed to be noted or filed they did not have the right to open a new account and did it without my permission I found this out when viewing my credit report. Since then XXXX  has failed to want to take this off of my report and says it should appear as two accounts and says that it's experian 's fault, and shouldn't be worded as two accounts and says there is a note on it saying it was reported by me as lost or stolen and I did not report it as lost or stolen or ask them to list it as a new account I need them to remove the old account then if this is how they has handled this when I never asked for this I asked when they were going to mail out the card it had been three months of me calling them and each representative told me a different date that it was to be mailed clearly they messed up my account by opening a new one without my consent on XX/XX/2018. Thank you CFPB can you please help resolve this matter

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 2020-07-09
Company: Santander Consumer USA Holdings Inc.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
XX/XX/XXXX entered into contract with XXXX at XXXX XXXX XXXX XXXX XXXX XXXX   XXXX paXXXX  XXXX XXXX XXXX XXXX XXXX tx XXXX, and purchased a XXXX XXXX XXXX for {$14000.00}. 
My first payment began XXXX and payments were to be {$330.00} for 72 months @ 18 % APR, {$9500.00} I paid the car off in XX/XX/XXXX, ( 4 years and 4 months ). I was charged for 72 months for finance charges totaling {$9500.00}. 
The amount of interest paid on this loan was not adjusted due to early pay off of the loan and the interest charged should have been {$6500.00}. 
{$3000.00} in interest was over paid on this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Problem with personal statement of dispute

Complaint:
Account Name XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Amount : {$1000.00} Account Type : Charge Off This company has failed on multiple occasions in the past 10 months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

I, XXXX XXXX XXXX, have gathered all this information for litigation. 

Proof of XXXX of XXXX Requests were ignored by the company since XX/XX/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 non-monetary relief
Consumer complaint received 2017-09-20
Company: Navient Solutions, LLC.
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:
In XX/XX/XXXX I requested an income contingent repayment and was denied and told by the representative that I was ineligible. In XX/XX/XXXX I was subsequently enrolled in an repayment plan and told that after six successful payments my late payments would be removed. After six successful payments and several calls and letters, the creditor refuses to update the payment status on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
My name is XXXX XXXX XXXX. 
I am writing to complain on Transunion for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XX/XX/2020 XX/XX/2020 XX/XX/2020 ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP OF WHEN XXXX  RECEIVED THE LETTER.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
There is a collection account on my XXXX, XXXX, & TRANSUNION credit reports that I didn't recognize. I disputed it with the collection agency, requesting proof of debt validation. They provided a statement that is addressed to a business with my name and the business 's address displayed below my name. This is clearly a business debt, however, this debt is reported on my personal credit reports, reporting to all 3 credit major consumer credit reporting bureaus. I sent the statement provided to the XXXX major credit reporting agencies and they agreed that the debt is validated which it is not. The statement provided is showing no transaction history, only interest reported, for a short period of XXXX. I did not authorize this debt to be reported on my personal consumer credit reports. I will like this debt permanently removed.

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 2018-09-13
Company: Creditor's Collection Service, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Creditors Collections recently report 3 medical bills on my credit report. Prior to the appearance of these debt on my credit file, I did not receive a notice of my right to dispute. This is a violation of federal collection law. Furthermore, these bills have already been paid by my health insurance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16
Company: Debt Recovery Solutions, LLC
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: Information belongs to someone else

Complaint:
My name is XXXX XXXX XXXX. 

I am writing to complain on XXXX  for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XX/XX/2020 XX/XX/2020 XX/XX/2020 ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP OF WHEN XXXX  RECEIVED THE LETTER.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: Experian Information Solutions 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/2022 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 non-monetary relief
Consumer complaint received 2023-07-11
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I reached out to XXXX back in XXXX of XXXX due to them providing personal information to XXXX party Companys, XXXX XXXX, Equifax, and XXXX providing false late payment information and account information. They are in direct violation of the Privacy act of 1974. This information provided is negatively affecting my credit report I have disputed this with the credit bureaus for accuracy of reporting as well. This company is in direct violation of 15 U.SC 6802 & 16 CFR 313.1 and U.S.C 1681 ( b ) No opt out notices were giving in regard to summiting non accurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX XXXX monitoring found me in these following data breaches : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing the following information due to it being incomplete and inaccurate. I've submitted disputes for the past 10 months with documentation supporting my claim of identity theft. 

This Credit agency has refused to comply and do their just diligence with removing fraud from my credit report. I've requested they show me how my claim was investigated which is my right under United States law, this was completely ignored thus violating my rights and breaking the law. Each time I Called the company directly to speak to a specialist after I explained the situation I was hung up on my their representatives,

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 2017-09-20
Company: AES/PHEAA
State: WV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have completed a two terms of service with XXXX as a XXXX XXXX XXXX, and have been awarded two {$5000.00} educational awards. On XX/XX/XXXX, I submitted a {$280.00} payment from my educational award, through the XXXX payment portal, authorizing this payment to my loan servicer, FedLoan. As of today, this payment has not been processed by FedLoan, or credited to my account. Further, on XX/XX/XXXX, I authorized another {$280.00} payment from the XXXX payment portal, from my educational award, which still has not been processed or credited to my account. On XX/XX/XXXX, I conducted an internet chat with a FedLoan representative, in order to see what can be done. I was not given any answers, and as of this morning, neither payment has been posted to my account. I have also made numerous phone calls, all without success as to why these payments have yet to post.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: NCB Management Services Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The loan originated with XXXX XXXX. It was sold to NCB Management Service. This lender is trying to collect on a debit on that was paid for and settled on already by XXXX directly. My credit report clearly shows that XXXX XXXX was paid, sold to another lender, and then collected the monies owed and settled out the account. Now the 3rd party lender wont remove the same monies for over {$9000.00} that have already been paid for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: MOHELA
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:
Per Mohela document dated XX/XX/23 from I have credit for XXXX payments via PSLF ( Public Service Loan Forgiveness Program ).

My credit report is not reflecting the payments being reported. The creditreport is still showing a balance of {$8100.00} and per the same attached letter from Mohela my principal balance is {$7900.00}.

Deducting XXXX monthly payments at {$80.00} per month as shown in the attached document from the {$8100.00} on my credit report my balance should show $ XXXXIf we usetheprincipal balance applying the PSLF payments I should a balance of {$3800.00} ( $ XXXX $ XXXX {$3800.00} ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I reviewed my Consumer Reports and noticed that I had late payments on accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have requested help on this issue several times. Experian is especially negligent in verifying this account. XXXX XXXX  has consistently reported an account I had with them and opened and closed it depending on the month. I have a letter dated XX/XX/2019 informing me by XXXX XXXX  that my account was closed and sold to XXXX XXXX XXXX at that time. Yet XXXX continued to report my account, usually with a XXXX  balance, for over a year and some months showing 120 days late. This intentional false information supplied to credit bureaus has prevented me from obtaining credit, refinancing my home and increased my insurance premiums. I am outraged that for over a year I have been reported as delinquent by a company that doesn't even own my account with made up late payments.

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