BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I closed my Capitol One Menards account XX/XX/XXXX after speaking to customer support regarding payments that were applied incorrectly and asked to have them reapplied to the correct Promotional Financing options. The rep told me they could not do it, I asked to speak to a supervisor to attmept the correction and was told by the supervisor that it could not be done. I stated to give me a payoff balance and paid the balance off by Credit Card. After that I never received any other bills or notifications regarding my account until I was called by Collections regarding an unpaid balance of $ XXXX that had accured fees and interest totaling {$140.00}. I spoke with another supervisor regarding the fees stating that I closed my account and had received no additional notification regarding any remaining balance. He stated that the best he could do was waive a certain amount and I settled for paying {$71.00} on XX/XX/XXXX to settle my account. I believe there was a breakdown in communication since I never received word that I still had a balance and then they sent me to collections which has resulted in negative impact on my credit score. Subsequently, I received a letter from Capitol One ( Menards ) stating that I had overpaid and have a credit on my account now and would be receiving a refund check in the amount of {$30.00} within 30-60 days Ultimately, they credited all the late fees and interest charged and I only charged me the $ XXXX. Respectfully request to have the negative impact of Capitol One ( Menards ) removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I already submitted a ftc report as well as an identity theft affidavit, but somehow unauthorized inquiries are still reporting on my credit report. Please see the attached affidavit stating that my identity was compromised, and I do not have any idea who these creditors are they are reporting these unauthorized inquiries. All is being investigated by the FTC. Please remove the following unauthorized inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX 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 2019-10-28
Company: Ad Astra Recovery Services Inc
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have an unverified account from Ad Astra Recovery. I had previously disputed this account. I have never done business with Ad Astra Recovery. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that Ad Astra Recovery provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
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:
This is my follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$650.00} XXXX XXXX XXXX XXXX Balance : {$650.00} XXXX XXXX  XXXX Balance : {$590.00} XXXX XXXX XXXX  XXXX Balance : {$110.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$650.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-24
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
On XXXX XXXX, XXXX my student loan balance with Navient jumped from {$71000.00} to XXXX with no explanation. I believe there is either an error or they are charging me excessive fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. there are items in my credit file that are misleading and erroneous and must be removed or blocked. The items I am questioning do not have any affiliation with me or my transactions. Here is the list of items that do not belong to me or were opened without my permission. XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX Balance : {$430.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$580.00} XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-20
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing on my consumer report. I attached a letter I previously sent together with FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality, under 15 USC 1681 XXXX XXXX Account Number XXXX, XXXX XXXX XXXX Account Number XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2021-10-05
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I spoke to account services with American express... .account ending in XXXX ... in XXXX XXXX payments were made, one for XXXX and another for XXXX in XXXX American express withdrew XXXX .... my balance was XXXX. These payments reflect an overcharge... .yet when I addressed this to the account service they state that there were interest charges as well.all total XXXX was paid to American express . I got no XXXX statement so that should indicate that the account was paid. Also the representative that I spoke with was rude... .stated we went thru this yesterday. I don't think he wanted to take the time to look into my concern and just stated Interest charges was included in the account... XXXX dollars of interest charges ... ..!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27
Company: VW Credit
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I attempted to make a payment on Audi Financial Services ( VW Credits ) website on XX/XX/2020 at approximately XXXX EST. The website allowed me to log in, but would not allow me to actually make a payment. I attempted to call Audi FS immediately to make the payment with them, but their offices were closed. I wanted to speak with a representative to ensure that my payment was made successfully. 

The following morning morning, XX/XX/2020 I first tried to call Audi FS, but again their offices were closed yet again. I was able to make the payment online at XXXX EST. To my knowledge, my payment is due by the XXXX each month. On XX/XX/2020, the system informed me that my payment would be considered 31 days late, and as a result would be marked on my credit. The system was not able to take my payment, but was easily able to threaten me. 

I attempted to make a payment within my 30 grace period, but Audi FSs system prevented me from doing so. I contacted Audi FS customer support on XX/XX/2020, and was told that nothing could OR would be done, as it was not their policy to assist customers with this. The representative made it clear that the only was that I could attempt to reconcile this would be to dispute it with the credit bureaus. I was provided a form to do so. This non response is unacceptable. The company first wants harm to come to its customer, and only then can it attempted to be fixed. 

I have approximately two years of on time payments with Audi FS, and many other years with other lending companies. To be told that it was Audi FS policy to not assist customers was highly disappointing. In addition to contacting the XXXX, I have also reached out to the CFPB. 

I am requesting Audi FS backdate my payment a mere 9 hours to when I initially attempted to make my payment. This would accurately reflect my on time payments. I am extremely frustrated at Audi FSs response, and lack of concern of the sever damage this will do to my credit history. I understand that issues can arise, but it is absolutely unacceptable to blame a consumer for a system issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is the several time I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 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 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

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 2021-05-02
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 information incorrect

Complaint:
Hi Back in XXXX I was enrolled in an Income Driven Repayment Plan with my student loan servicer XXXX and I was never informed when it would expire or what I would have to do in order to extend it. I found out in XX/XX/XXXX that XXXX Reported me to the Credit Bureaus that my payment was XXXX days late. Once i found this out I called XXXX and had the Income Driven Repayment Plan reinstated immediately, and I was never required to make a payment. My credit report from Experian, XXXX and XXXX all still say that i was late XXXX days on XXXX separate XXXX Loans from XXXX 2018.These credit bureaus are reporting incorrect information on my credit report. I reached out to XXXX to see if they would remove these Inaacurate Late Payments and they told me no. I was decieved and taken advantage of by XXXX. And according to the CFPB XXXX XXXX XXXX so were millions of other Americans. That is why the CFPB sued XXXX back in XXXX. This has negatively affected my credit report so badly thst i cant even buy a house. Please help me to remove these inaccurate 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
Consumer complaint received 2019-06-04
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
There were unknown accounts on my Equifax credit report and I asked Equifax to investigate and remove these accounts. They failed to do so in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 sent a letter last XX/XX/XXXX to remove/block these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days after I sent Bureaus letters. Ive already included this in my previous complaint & I am including it again. 
XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX Balance : {$180.00} XXXX XXXX XXXXXXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$750.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$5800.00} XXXX XXXX XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX 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

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 2023-02-27
Company: WELLS FARGO & COMPANY
State: SC
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:
XX/XX/XXXX after opening a savings account with Wells Fargo Bank I received a Wells Fargo credit card through the mail. I contacted Wells Fargo bank about the card and was told that it was part of a credit building package deal and was instructed to use to the card to build my credit. I used the card for ten years and maintained excellent credit history. Although during that ten years there were several instances of unusual charges and activity on my accounts that did not originate with me. Ultimately Wells Fargo charged my account off after failing to notify me of balance or acceleration of account in XXXX. Prior to charging off my account Wells Fargo had not sent me a statement from XX/XX/XXXX until charge off. I was not made aware of account status until i was contacted through the sheriffs department through a collection agency.

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 2017-09-24
Company: EQUIFAX, INC.
State: NH
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:
Equifax had a derogatory remark on my report from XXXX XXXX XXXX XXXX. This account should have been closed. XXXX  covered 80 % of the bill and I covered the other 20 % ... Just two nights ago I got a call saying I still owed the money and I told them I did not and that I would send them the receipt stating the money was paid. Before I could get the receipt in the mail and send it to them it was reported on my credit report again after months of fighting it and disputing it. This is the second time it has been reported. It was removed and it is now on there again. They sent it to another collection agency and Equifax had no right to put it back on my report. How do I stop them from harassing me? I also thought it was against the law if it is n't a contracted loan on my credit report. I need to know how to stop these people and get them to not put it on the credit report again. Why does Equifax give these people the right to do this to the consumers? And they 're harassing me, calling me late at night and being rude on the phone. Please help me stop these people from doing this to me. This should of been taking care by them, for i had XXXX XXXX insurance by them to pay the bill, and they should have responded to the insurance company. My health is affected by them, I want to sue them and how do I do this. These people need to leave me alone forever and stay away from my credit report. I need to do something about this immediately. Please again, help me.
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: WELLS FARGO & COMPANY
State: NC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Years ago I signed up for a subscription service or product from XXXX using an account I no longer have access to. I have contacted the merchant many times through various different means to try and cancel the monthly subscription fee of XXXX that comes out every month from my Wells Fargo credit card. XXXX responded recommending that I have my bank stop or cancel the subscription. Other banks that I use do this without any issue. Wells Fargo refuses to do this and instead makes me go through a tedious ongoing process of filing a new dispute every month. Then I have to wait for the standard 45 days while they try to get a response from XXXX only to then get refunded for that month alone by Wells Fargo. I then have to file a new dispute for the same transaction that comes out again the following month. Wells Fargo tells me that there is no end in sight and that I will have to do this every month forevermore. The only other option for me is to cancel my line of credit with the bank, which is tempting at this point. However, I think the bank has a responsibility to safeguard the consumer 's financial interest and in this situation to stop the transaction from coming out every month. I have supplied them with all of the documentation they need to see that I have contacted the merchant in good faith and gotten no where.

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 2018-12-07
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I HAVE CONTACTED PHOENIX FINANCIAL NUMEROUS TIMES YET THEY STILL FAIL TO REMOVE THIS INACCURATE INFORMATION FROM MY CREDIT FILE. I HAVE NEVER DEALT WITH PHOENIX OR ANY COMPANY IT REPRESENT. I HAVE NEVER BEEN CONTACTED BY PHOENIX INFORMING ME OF A DEBT AND GIVING ME THE RIGHT TO DISPUTE. I AM A VICTIM OF IDENTITY THEFT AND THIS ACCOUNT DOES NOT BELONG TO ME.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation