BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-17
Company: Experian Information Solutions Inc.
State: MS
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:
From XXXX 2020, I filed a dispute with this credit bureaus about the inaccurately reported account : US BKPT CT XXXX XXXX. There are inconsistent reference numbers reporting on my credit report which is a violation of the FCRA. on experian it says XXXX and on XXXX and XXXX it says XXXX. 
In over several months I have yet to be shown that the account is even under investigation and I have not received anything in response from these bureaus in these months. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about this inaccurate account as of today. 
Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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 scheduled a payment online on XX/XX/XXXX to come out on XX/XX/XXXX. I received a confirmation number. XX/XX/XXXX the payment was credited to my account XX/XX/XXXX. on XX/XX/XXXX I received an email saying my payment was returned. I called customer service on XX/XX/XXXX to ask y it was returned. I was told to call my bank and ask why it was returned. The bank told me that there no transactions from the credit card company or any other blocks or holds on my account. I called credit card company back and told me the payment was processed to another account iv used in the past. I know for a fact I didn't process any payment from that account because its closed. The returned payment caused my credit card account to be over the limit {$52.00} and it was reported to the credit bureaus and impacted my score negatively. I told the agent I wanted my account to be brought back to current since I wasn't the one who processed the payment from the wrong account. the agent offered to credit my account for the late fee of {$25.00} I told him I wanted my account brought to current for the entire amount of {$52.00} he said I was responsible for making the account current. I asked for his supervisor I explained the situation over she said she was gon na speak to technical 's support to find find out what happened when I scheduled the payment. As I was on hold I checked my app that I used to make the payment and the option for that closed account wasn't available. I believe I deleted that account from the app months ago so I wouldn't create confusion for myself when scheduling payments. The supervisor agent came back on the phone and said once the payment was returned the app deleted the payment option from from that closed account. I asked her to get tech support back on the phone ands when it was deleted. she then asked what my desired out come is I told her to make my account current because as a result of them processing a payment from a closed account my credit card account was over the limit and negative information was reported. she told me tech support couldn't give the info on when the closed account was removed from payment options but then disclosed that the same account hasn't been used in the app since XX/XX/XXXX. They tried to convince me I selected the wrong option to make a payment from when I know I didn't. I believe their system selected a wrong account which has been closed for months to make my credit card payment when I know I didn't select that account in fact I believe I deleted it myself personally. This has also affected my credit score because negative info was reported

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
Company: Convergent Resources, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX company reported me to Convergent debt collector for {$190.00}, my concern is how can I owe them if I am currently have XXXX account and using it in house for cable, internet and phone line. If I owe them they will not let me have a new account and I've been using this XXXX account in my place for 3.5 years now.

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 2020-08-28
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: Information belongs to someone else

Complaint:
I noticed a inquiry on my credit report from Capital One that I did not make, I have reached out to them numerous times to let me know what is going on and have been either put on hold and forgotten or told they are not seeing an inquiry, I am very worried about identity theft and am very upset that Capital One continues to ignore the fact someone made an inquiry, I don't know if they approved a card and seeing that my credit is XXXX I know they most likely did issue a card, I don't know where to turn and hope you can help me get this resolved. I have uploaded the letter sent to Capital One back in XXXX and a screenshot of my XXXX XXXX showing the inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
Company: EQUIFAX, 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:
Regarding recent credit file confirmation number : XXXX My name is XXXX XXXX and I recently received my Equifax credit file and noticed that there is still a major problem despite me having sent your dispute letters and account holder having sent you a police report for identity theft. The XXXX XXXX XXXX Account is NOT mine and it is NOT my charges that add up to that amount. ALL those charges were fraud and we filed an identity theft and police report and sent you copies. Now please remove that negative trade line from my credit file or else I will have to file an FCRA lawsuit against Equifax. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: Experian Information Solutions Inc.
State: IL
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 been paying XXXX XXXX in time as agreed since XX/XX/2019. Now they are reporting my account as written-off because they have not been able to collect the payments. 
Each month I pay my loan and cc with them. 
I called them AND filed a dispute with Experian to no avail.

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 2020-08-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX  called my job XXXX from this number XXXX wanted me to pay her over the phone,. she also told me if i didn't I pay she could damage my credit for life and that i needed to pay her or by calling XXXX. I told her she was going to get me fired if she kept calling my job and demanded her to stop calling my job. she called again, shes been calling since XX/XX/2020.

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 2021-06-29
Company: Mercedes Benz Financial Services
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Mercedes Benz Financial Services refuses to change balance owed from {$420.00} to {$0.00} after receiving payment of {$650.00} on XX/XX/2021. The following is reference number provided by MBFS as proof of payment. Ref # XXXX! I have made multiple attempts with them to make correction and they continue to refuse to change balance owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX XX/XX/2020 I opened a savings account with Capital One 360 Online Bank. At that time I requested that my savings account at my local brick and mortar bank  be linked to the Capital One 360 so that a transfer of {$50000.00} could be made from my local bank. The instructions for linking and verifying my local bank savings account stated that two small would deposits would be made in the next few days to my local bank savings account and that I should report the amounts online to Capital One 360 Online Bank to verify the transfer process. 

From XXXX XX/XX/2020 to XXXX XX/XX/2020 I spoke to many ( 6-7 ) individuals representing Capital One 360 Online Bank about their inability to send those two verifying deposits to my bank. The reply many times was they were being sent. Later, on XXXX XX/XX/2020, I found out from my local bank there were no records of verifying deposits attempted to be made until XXXX XX/XX/2020. With no other choice, on XXXX XX/XX/2020, I was able to initiate a transfer of {$50000.00} to Capital One 360 Bank via other means of transfer which were not available to me until XXXX XX/XX/2020. 

When I open the savings account at Capital One 360, I applied for a XXXX for depositing and maintaining a balance of {$50000.00} in my Capital One 360 Savings account. However, Capital One is denying me that bonus based on a funding requirement maximum of ten business days that was not met. The funding requirement was not met because Capital One did attempt to make verifying deposits until XXXX XX/XX/2020. Their attempt at marking verifying deposits of {$.00} and {$.00} were rejected by my local bank because of a transaction code error on Capital One 's part. 

I believe that the above interaction between myself and Capital One 360 Online Bank may be considered a 'bait and switch ' fraud. 

Please note : As of today, XXXX XX/XX/2020, I have not been able to access my {$50000.00} in the Capital One 360 Bank to return them to my custody.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2021 my credit file took a XXXX point hit for a collection on a debt by Midland Credit Management attempting to collect a debt for XXXX XXXX. I called the collection company and spoke to a manager who I assured this is a mistake. I also sent a Validation of Debt on this date. Every 7 days after the company reports to the credit bureaus which is damaging my credit trustworthiness. On XX/XX/2021 I took another XXXX point hit and I contacted the company again and they advised me that I needed to submit a police report for consideration of the debt to be removed. I told them the only police report related to my credit is a ex significant other using my XXXX XXXX credit car in XXXX. They told me they could not help. On XX/XX/2021 I took yet another derogatory mark from the debt collection company. I contacted them and advised them that they are almost of for the validation of debt which and gave them more information on the denial to obtain a report that didnt directly describe the account in question. I contacted the credit bureaus immediately after and found addresses, hard inquires and other suspicious activity and had them flag my credit activity as fraudulent activity. Midland Credit Management is now 6 days over the 30 days to provide me with a validation of debt and continues to falsely report to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: United Acceptance Inc.
State: SC
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
United acceptance XXXX loan I paid my portion in payments I contacted this back not sure on credit report I believe it was the beginning ofXXXX I informed them that I had been paying XXXX  XXXX XXXX in XXXX SC they said ok then I called XXXX XXXX XXXX  and discussed the call with XXXX the owner he said he didn't sell my loan to keep paying him and I did now lateXXXX I totaled the XXXX XXXX insurance paid off car the co sent the check to XXXX XXXX and the account was paid in full the co. Called about the I informed of the information I was given then I see a negative report now I talked with several representative of this company and explained the situation and they said they would contact XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: Continental Services Group, Inc. d/b/a ConServe
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I went to a class at XXXX XXXX XXXX Florida for as little as two weeks before dropping the class, I couldn't make the class because of work schedule changes. There was apparently an amount for a STUDENT ID that I needed to pay that I never was notified about for some reason. I then got a notification that I had a collection on my account, I contacted them immediately and was notified that once I pay the debt it would be removed from my account. I have filed a dispute with XXXX ( who is the ONLY creditor reporting it ) and the company " Conserve, XXXX XXXX XXXX, XXXX, NY XXXX '' filed to collect the debt will not remove as I was told on the phone. 

This is ridiculous that I don't even attend a college for a full semester, don't take a full class, never received mail, and now have a collection I was told was going to be removed that is affecting my finances over a student ID card that somehow amounted to {$210.00}!? Not only bad practices by a state University putting collections on, as I read online happens a lot with them, multiple students records over a Student ID card. Horrible, I can't imagine how many other students this has effected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: EQUIFAX, INC.
State: PA
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:
Please HELP! I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now XXXX  days and I have not received a reponse. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately please help or I will have to file litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
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: Account status incorrect

Complaint:
i have filed a dipute directed towards the incorrect items on my credit report. its been well over 30 day period and i have not received any results.

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 2018-03-28
Company: WELLS FARGO & COMPANY
State: NY
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:
On XX/XX/2017, I contacted Wells Fargo and All 3 Credit Bureaus regarding the information they had reporting to my credit reports. The information was incorrect and inaccurate and needed to be removed from my reports. 45 days later the 3 bureaus reached out and stated that the accounts were " verified '' with any supportive documentation to show. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX detailing Wells Fargo business practices. 

It has come to my attention that Wells Fargo has had some improper business practices conducted within the last year. I was unaware of this information until researching when my credit report showed the inaccuracies. I'm not sure if my complaint has anything to do with the before mentioned sanctions, but it is clear that my account needs some attention. 

The information is inaccurate and incorrect and needs to be removed promptly. Thank you.

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 2020-11-16
Company: PENTAGON FEDERAL CREDIT UNION
State: AZ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I have been receiving emails from PenFed Credit Union for several months asking for information to allow PenFed to send statements and documents electronically regarding my account with PenFed. I don't have an account with PenFed. I have just received a hard copy " Regular Share Account '' " Consolidated Statement '' from PenFed for the period of XX/XX/XXXX - XXXX XXXX showing an opening deposit of {$5.00} and an ending balance of {$5.00}. I never opened an account with PenFed ; neither did I make that deposit.. I suspect it has something to do with a personal loan we obtained through XXXX ( formerly XXXX XXXX XXXX ), a California-based finance technology company, from which we obtained financing for the installation of a solar system on our home. PenFed may be the servicer of that loan. That would have been a transaction between XXXX and PenFed, a transaction to which I was not a party, and, to my knowledge, not a transaction requiring the creation of a deposit account in my name. I'm not one to look a gift horse in the mouth, unless, of course, the gift has something to do with my personal financial information or affairs, in which case, I am hypervigilant. Please investigate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section XXXX ( a ), states that a failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report its been over XXXX days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be XXXX XXXX accurate and verified. As by XXXX requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.

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 2019-05-31
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I opened savings account with 5 bank due to the interest rate with no fees about 2 years ago. 

I find out today the account was changed due to a policy of the limit monthly transactions. They have lowered the interest rate and now charging a monthly fee. 

They claim multiple attempts were made to let me know but I never received anything. My contact info is all correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: EQUIFAX, 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: Account information incorrect

Complaint:
on XX/XX/2020, i sent dispute documents to XXXX  and Equifax regarding the inaccurate items they are reporting on my credit report and damaging my creditability in obtaining things.I haven't heard from them as of yet nor has they gave me the things that i requested.i would like for you to check into this matter please.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: EQUIFAX, INC.
State: NC
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 am a protected consumer and natural person In accordance with the Fair Credit Reporting Act, XXXX XXXX has violated my rights. 

Regarding alleged account # XXXX XXXX XXXX XXXX 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 : also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation