BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I'm in the XXXX and going to be XXXX to XXXX for 9 months, so I set up auto payments for my XXXX XXXX credit card. I never got a phone call from the credit card company to tell me anything was wrong afterward. Until I received notice that I missed a Payment from XXXX XXXX. 
The payment was only {$25.00}. But now has lowered my credit score by 177 points! 
I called XXXX XXXX and talked to a supervisor, even paid my balance in full, he continued to tell me he wouldn't change the missed payment, and that it was my fault I didn't follow up on the auto pay I set up with their company. 
I have never missed any payments on anything since I started building credit. 
I fell like I did my do diligence by setting up the auto pay, if the company had a problem with it, they should have contacted me BEFORE destroying my good credit status. 
I would like your assistance in a fair resolution in 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 2018-08-06
Company: Kashia Services
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
XX/XX/2018, I inquired about paying off my loan. I was quoted {$630.00}. on Today, XX/XX/2018 I called to pay off loan again and was quoted XXXX because the payment could not be processed until tomorrow. I was told to contact them three days in advance which I thought I was doing. After finally asking for a manager and getting approved to pay off loan today for XXXX. i was than told they needed to verify my new bank account by calling my bank. Each time they placed me on hold for over 10mins and drop the call after and called back to say they still are trying please hold. I informed them I would be reporting this and for them to please process payment. I talked with XXXX who agreed to pay off and than to XXXX to process and he informed me of bank verification process. Finally I talked with XXXX who informed everything was ok and they will process. 

After an hour I received a voicemail message from XXXX again stating they now can not process my payment without bank verification. All I want is to pay off my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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:
These accounts don't belong to me. Please remove them from all XXXX credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft CAP ONE Account XXXX : XXXX This is not mine. 

2. Identity Theft CAP ONE Account XXXX : XXXX This is not mine. 

3. Identity Theft CAPITAL ONE Account XXXX : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03
Company: CITIBANK, N.A.
State: SD
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:
The " decline of application '' states that " the credit card previleges on my existing account ( s ) are currently restricted '' I DO NOT HAVE ANY EXISTING ACCOUNT ( S ) WITH THEM.

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 2019-09-27
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I have a XXXX Credit Card. I had a Special Non Interest Promotion. I was Paying more than the Minimum Payment and was not aware that Payments would need to be called in to apply to cover that Promotion. I speak english but do prefer to have written correspondence in XXXX. I recieve a Email advising that a promotion had expired. Interest was applied to my credit card and when I tried to call the Bank to see what options I had I was told that there was nothing they can do. I asked about the terms and conditions, since my son who works for a Credit Card Company advised that there should be a way for them to reallocate the balance. since more than the minimum was being paid. To waive the interest that had accumulated ; however the Bank told me that there was nothing that could be down and that pretty much I had to pay the Balance and figure it out. No options were provided by Customer Service or a Manager. I later became ill and was in the hospital for over 3 months when I called the bank to explain the situation they told me it was policy that they were only able to waive one fee in a 12 month period. I would have to the fees and the information could not be corrected and sent out to the credit bureau. since it was pretty much my fault that I got sick. So now I am forced to pay a multitude of late fees and int. which as a senior citizen my income will not allow me to pay such high bal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: Block, Inc.
State: NC
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: Card was charged for something you did not purchase with the card

Complaint:
My identity was stolen, several credit and debit cards were skimmed and fraudulent charges were made without my knowledge, consent, or authorization. I filed a police report and have a notarized Identity Theft Affidavit and Cash App is refusing to settle the fraudulent charges that were made.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/XXXX, XXXX XXXX-Loan # : XXXX Lender : SPS Rep name : XXXX XXXX ID : XXXX Dept. : Customer Service Email : XXXX FAX : XXXX As for XX/XX/XXXX the SPS has stop offering COVID forbearance at which point in time they started to begin the process of the foreclosure. 
I have asked for assistance due to the the medical issues and the loss of spouse and family members due to XXXX. my intent is to keep the home and have my mortgage company offer the assistance that they had promised me. Further more I have sent in the required documents to have my loan considered for the mortgage assistance programs offered under the CARES-ACT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
On XX/XX/XXXX I sent, via certified mail, a letter to Capital One disputing inaccurate information on my credit report. In my letter I detailed the issue and provided proof of my credit report showing their mistake. 

My dispute with Capital One is as follows : I had an old credit card that was closed due to non-payment back in XX/XX/XXXX. This card shows on my credit report as a negative against my score. ( This is accurate ) I made an agreement with a Capital One rep to open a new card and allow me to pay off the balance of the closed account. In XX/XX/XXXX, I was given a new card and the balance of my old card had been transferred over. My new card has been paid on time ever since, no issues there. 

The problem exists in the reporting. My old card shows as a negative closed account with the months for nonpayment. ( Accurate ) My new card shows as if it was open since XXXX, when it was open in XX/XX/XXXX. ( They are reusing the date of the old card ) My new card also shows the old nonpayments on it. ( Has never been late or missed ) Capital One is reporting one negative account twice. They are double reporting the same months of one account in both the old card and the new card. 

Today, XXXX XXXX, XXXX, I received a generic Capital One letter dated XXXX XXXX, XXXX, stating that they are unable to change their reporting on a courtesy basis. ( This is not a courtesy. This is inaccurate ) The letter does not provide any explanation. 

I called Capital One and spoke to two reps and a supervisor. They all stated that they can not view any details on the case and that there is no one I can speak to because the dept that handles these claims is a back office.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27
Company: ENCORE CAPITAL GROUP INC.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Midland funding Inc as re-aged my debit and still fells to state when my debit will be delete off my credit report so please provided me, my lawyers and the Consumer Financial Protection Bureau the date in which the debit will be deleted from my credit report file. Account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
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 is missing that should be on the report

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SS XXXX Birth Day XX/XX/XXXX I'm requesting from Equifax to follow the law and report all XXXX accounts on my Equifax credit report. 
Because of Equifax negligence my FICO score is down XXXX points. Either they are reporting incorrect information or not reporting my accounts and keeping my FICO score low.The banks have tried to report it to Equifax but for some reason Equifax is not able to report it on my credit file. For verification purposes I am sending you statements from all four credit cards. a copy of my driver license and utility bill. 
If Equifax fails again to report these accounts on my credit report I will be forced to take legal action for damaging my credit. 








XXXX XX/XX/XXXX EQUIFAX DO NOT have it on my credit file Account # XXXX XXXX XXXX XXXX. 
Exceptional payment history Opened XX/XX/XXXX ( EQUIFAX DO NOT have it on my credit file. 
Account # XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX EQUIFAX DO NOT have it on my credit file Exceptional payment history XXXX XX/XX/XXXX EQUIFAX DO NOT have it on my credit file XXXX XXXX XXXX # XXXX Open XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
15 U.S.C 1681 Section 602 A states the right to privacy.

U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 


Hard inquiry XXXX XXXX hard inquiry XXXX XXXX HARD INQUIRY XXXX XXXXXXXX XXXX XXXXXXXX HARD INQUIRY XXXX XXXX  HARD INQUIRY XXXX XXXX Account XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Back In XX/XX/2019 was hospitalized for a preexisting condition that became worse.I was in the hospital for over 3 months. when I finally was able to get in contact with Target credit card. they had advised to me that my account had been sent to a collection agency due to non payment. I tired to get in contact with the bank that Fiances the Target Credit card, however when my information would be authenticated it would directly send me to a collection agency. I had an extremely difficult time trying to get a hold of the customer service department for XXXX XXXX the financer for the target card. I was told that they were only able to waive one fee and that since the account was closed that I would have to speak to the collection agency and handle this with them. I called them and explain the circumstances to why I was calling and they told me that there was nothing they could. I myself work for a XXXX Company and understand that in certain situations we are able to clear and help customers out in the same situation that I was just in.normally in a situation like this we would go through the account and Rehab the customers account to ADJ any fees and or min payment ADJ so the customer would be able to once again have an account open or if not able to at least the customer knew that we would make an arrangement with them to pay the balance on the card with not an accumulation of fees and int. due to a customer having an illness, death, or any outside circumstance that a customer would not a direct control over.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27
Company: R.A.Rogers, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I Received a phone call first from a representative saying that he was calling me for a negative balance with XXXX XXXX. I couldn't believe it there was no way I had a negative balance with them. I asked him to send me all the paperwork showing that I owed this. I haven't received it. On XX/XX/2019 I received an alert from my XXXX, XXXX and XXXX credit reports saying a new collection account was added to my credit report. The collection account was from RA Rogers Collection. No this is not right this is not mine. I have attached a police report and FTC Affidavit and I have furnished this via USPS to RA Rogers and all three credit reports. Remove this close this account and leave my be.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21
Company: PREFERRED CREDIT INC
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued willful violation of the Fair Credit Reporting Act regarding your refusal to delete all of the UNVERIFIED account information from my consumer file. Despite my three written requests and complaints, the unverified items listed below still remain on my credit report in violation of Federal Law. In the results of your re-investigations, you stated to the Creditor Bureaus that you verified that these items are being reported correctly? You still have not identified who in your company verified the accuracy of these accounts or how they verified them? As previously pointed out to you, XXXX Law Dictionary, 6th Edition, 1990, defines Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. What this means is that your company must be willing and able to produce a document that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. Your failure to provide me with verifiable proof required for your company to post the accounts listed below is evidence that it does not exist and therefore is proof that you cant properly Verify the accuracy of any of the disputed accounts. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: JPMORGAN CHASE & CO.
State: CT
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:
these accounts don't belong to me. please remove accounts : 1. Identity Theft XXXX/XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX/XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft JPMCB CARD Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

11. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
We have been getting a lot of phone calls from a company known as " XXXX XXXX XXXX Services ''. They 've been using about eight different phone numbers, and I '' ve blocked all of them using call block and caller ID, but since they continue to call, I 've turned around and called them a couple of times to find out what 's going on. A couple of weeks ago I spoke to a live person, somebody named " XXXX '' and she told me they were looking for somebody by the name of XXXX XXXX ( that 's not us ) who apparently owes them some money. XXXX told me she would take our name off the list. Now they called again this morning and I again called them back and I again talked to a live person ( did n't catch her name this time ) and again explained the situation and who I spoke to last time, and again she said she would take our phone number off their list. I doubt that will happen though. And I told her that we do not have any debts that would require the use of a debt collection agency. So somebody needs to track down this XXXX XXXX person and get in touch with that individual instead of calling us.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-27
Company: CREDIT ACCEPTANCE CORPORATION
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Credit Acceptance now reporting on XXXX thats my loan. 
That is identity theft the use my name and S.S through a application.XXXX  XXXX thats his debt he also file bankruptcy for this loan.They will not remove it off XXXX. 
I file a police report also

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 2019-09-27
Company: CMG MORTGAGE, INC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We refinanced our home on XX/XX/XXXX. Upon closing our documents read the first payment would be due on XX/XX/XXXX. We our first loan doc in the mail on XX/XX/XXXX from our new mortgage holder CMG mortgage inc had a due date of XX/XX/XXXX. We called to verify if we needed to make a payment for XXXX because our closing docs stated a first payment date would be due that month. A representative from CMG mortgage inc told us on the phone that no payment was due in XXXX and dont worry about making a payment until XX/XX/XXXX. This is also what our first statement read - payment due date - XX/XX/XXXX When we called to make what we thought was our first payment for XXXX we were told we were already a month behind and now need to make two payments. Again the only statement we received had a due date of XX/XX/XXXX and this was verbally confirmed from CMG Mortgage Inc. I believe this was very misleading and CMG Mortgage inc was unwilling to move the payment to the  back of the loan or do anything for this situation other than state we needed to make both payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06
Company: EQUIFAX, INC.
State: LA
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:
During a prior dispute, XXXX removed all of the following accounts because of false misrepresentations. However, Equifax only decided to remove one of the following accounts although both agencies were submitted the exact same information regarding the XXXX XXXX accounts. 

For whatever reason, Equifax can not find reasonable cause to remove the other two account when they have all the required information to do just that, remove the incorrectly reported accounts. 

XXXX XXXX Accounts in Dispute : XXXX - {$1300.00} ( Deleted by XXXX  ) XXXX - {$280.00} ( Deleted by XXXX ) XXXX - {$390.00} ( Deleted by XXXX ) ; ( Deleted by Equifax ) Equifax Credit Dispute Results ( Regarding XXXX XXXX ) : Account # XXXX The results are : We verified that this item belongs to you. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : *CHARGE OFF AMOUNT *ADDITIONAL INFORMATION *ACCOUNT HISTORY. 

Account # XXXX The results are : We verified that this item belongs to you. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : *ADDITIONAL INFORMATION *ACCOUNT HISTORY. 

Account # XXXX The results are : This item has been deleted from the credit file.

Company response to consumer: Closed with explanation