BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I went to use my Walmart XXXX card and was declined and was contacted by XXXX XXXX the account was closed. When I called a representative from XXXX told me they closed the account for 1 missed payment which was supposed to be automatically taken out of my bank account and wasn't. Now they want me to apply for their capital one card this way they can effect my credit score twice. maybe since my account was closed and will effect my credit score I will leave the card closed, contact Walmart and let them know I will not shop there anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09
Company: EQUIFAX, INC.
State: OH
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 XX/XX/2017 I attempted to dispute negative items reporting on my credit report with all 3 credit bureaus. XXXX and XXXX have replied and removed the items from my credit report, however Equifax has not responded to my request. This is a clear violation of my rights as a consumer based on the guidelines of the Consumer Protection Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09
Company: NAVY FEDERAL CREDIT UNION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I was the victim of a scam as a student at XXXX University. The scam has been published all over the media. I ended up losing thousands of dollars and had my stipend, earnings, and scholarship from me. I was explaining to Navy Federal that the reason I have a late payment is because of this scam. Typically when incidents like this happen companies are willing to waive the late payment reporting. Navy Federal has refused to cooperate with me. They actually have been terrible. For 5-6 Years I have made payments on time. When I talk to their customer service all I get is this response which does not help me resolve my problem. Navy Federal should be helping trying to get this late payment removed. I was the victim of a scam and had to change my checking account information to avoid having my money taken from me as well. See below. I also did not get my bill. was also told by their collections department that I would not be reported late if I paid before sixty days. I am also writing this goodwill gesture letter. 

To Whom It May Concern : Thank you for taking the time to read this letter, and I hope your day is going well. Im writing because I noticed that my most recent credit report contains a late payment. 

I want you to know that I understand my financial obligations, and if it werent for XXXX university fraud scam Id have an excellent repayment record. I made a mistake in falling behind, but since then everything has been paid. Since then, Ive had a spotless record of on-time payments. 

Im planning to apply for auto loan and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payment. 

Thank you for your consideration, and I hope youll approve my request. 

Best, XXXX XXXX XXXX  : XXXX XXXX XXXX XXXXXXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
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: Investigation took more than 30 days

Complaint:
I sent XXXX, TransUnion and XXXX a complaint about an account and inaccurate inquiries that has been reported on my credit report. I sent them formal XXXX dispute letters on XX/XX/2021 and haven't been able to get a response back after 30 days. I sent an additional 30 day demand and compliance letter once the time period of 30 days has passed and I still haven't received any response. They haven't been able to verify the inaccurate account that they are reporting on my credit report and I would appreciate it if they were to remove them immediately.

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: Collection Bureau of the Hudson Valley, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Received phone call from Collection Bureau of the Hudson Valley on XXXX XXXX and XXXX XXXX from XXXX. I pay my bills on time and have forever. I have nothing in collection status. My credit score is XXXX. I listened to the robocall message which stated to " Press 1 '' to speak to someone. I wanted to tell them to take my number off their call list. I've done this on both calls, but no one ever comes on the line. This company not answering the call so I can tell them to remove my number from their call list is unacceptable. 

I find this behavior harassing and abusive.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-28
Company: FinCo Services Inc DBA Current
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Since XXXX I signed up for this card called Current. XXXX kind of promption and now its hitting commercials. I haven't had any problems when i received it. Adding little money here and there. So I made a decision to put a big amount that I worked for into this account due to my spending habits. All of a sudden my account is under investigation. I don't know why. I called, there phone service is by a computer. I text the self service operator and no one can help me with this issue. In XXXX, I left it alone, to see that money can be added to my account from using and return car parts from a issue with my breaks. 
However, In my other account is max out no funds. My " Current '' account is my rainy day money, I cant do anything just look at the amount. So as of XXXX I called plead, I cried nothing. No one can help me. I canceled the old current and signed for a replacement just to see if there is a difference. Got irritated ask for a cancellation. Waiting o a new card in two weeks. But nothing from the Current card service. Just to read again that NOW my card is on over review with the high bureau. Which I think I bullocks. I asked for a check and to not be a Current card shareholder, I just want my money and be on my way. Nothing once again. I'm a single hard working mother and I just moved. Its very irritating and frustrating that a computer bank is messing up my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: Bread Financial Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have received a bill that was created on XX/XX/2021 from XXXX XXXX XXXX for charge off balance : XXXX and a balance of XXXX stating that an account was created with my personal information without my permission and a debt that was not validated by me the original creditor and consumer. It was stated that this information was sent to the litigation department in their company and any information obtained to about me to collect debt will be used for that purpose. 

I will be mailing a letter to dispute this debt and to demand this company to remove this collection from off all three credit bureaus. Also to cease and desist all communication with me written and orally and sending a affidavit of truth. 

This company violated list of all the violations under FDCPA with a monetary of {$1000.00} 15 usc 1692c ( a ) 15 usc 1692d ( 1 ) 15 usc 1692e ( 10 ) 15 usc 1692f ( 1 ) and Identity Thief collection my personal info without consent and account made without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: EQUIFAX, 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:
Misleading and inaccurate accounts appeared from my credit report. Mostly are fraudulent Medical debts without account names and from unknown sources which also violated HIPPA and also they can't just report health information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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 recently reviewed a copy of my credit report from XXXX XXXX and XXXX and noticed that I was reported as being late on this account which has caused severe damage to my credit score. After doing some research and coming across the Fair Credit Reporting Act, I see that I am allowed to dispute any and all late payment history being reported if I feel it is inaccurate or incorrect.

I was affected by COVID-19. Per the amendment of the FCRA with the CARES Act passed by Congress in XX/XX/2020, any late payments need to be removed from my credit report and updated as paid on time with zero lates that were reported since XX/XX/2020. 

I already disputed this with the credit bureaus directly and they verified it as being accurate. I am not sure how this happened, I believe that I had made my payments to you on time when I received my statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: Receivable Solutions, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Receivable-Solutions INC was made aware on XX/XX/2019 that I disputed the validity of the medical debt they were attempting to collect. However, they refused to send the debt validation required by the Fair Debt Collection Practices Act. 
Further the party responsible for any debt was being negotiated between the doctor patient and insurance. Statute requires 180 days from the date of first delinquency before posting debts to credit burrows to allow for processing of insurance. This was not observed. 
Further the date of first delinquency reported to the credit agencies is inaccurate, and Receivable-Solutions was made aware of this. 
I ask the information be removed from my credit files. 
I have offered to pay Receivable-Solutions to remove the inaccurate information and have contacted them several times asking for validation of the debt and explained the inaccuracies. However they have been unwilling to provide me information or remove the misleading and inaccurate information from my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: Paypal Holdings, Inc
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Paypal has closed my account and access to the funds in my account. They will not offer any help in getting the issue resolved. This has to be a mistake, I am not knowingly going against any of their TOS. I just learned I could report the issue here. There is no resolution from them in sight, this is my money. I have paid Paypal Hundreds and hundreds of dollars in Goods and Services fees. I am a very active user of their playform. My paypal name is XXXX This is affecting my livelihood with no access to the funds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-21
Company: Experian Information Solutions Inc.
State: PR
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:
As of XX/XX/2020, I was laid off from my job and salary due to the lockdown caused by Covid-19, being unable to assume my financial responsibilities. I proceed to call the creditors looking for alternatives such as payment arrears and they all offered me moratoriums and alternatives in payments with the exception of XXXX XXXX ( XXXX XXXX which indicated that due to the account in arrears, I did not qualify for alternatives or any other assistance and to make the payments while he could. In XX/XX/2020, I received a letter from XXXX XXXX XXXX XXXX ( XXXX ) collecting the total debt of {$2500.00} from XXXX XXXX. I proceed to call XXXX XXXX and Mr. XXXX attends me indicating that the account is Charge Off and that he had to manage the pending payment with the XXXX XXXX company. I proceeded to call XXXX XXXX and they tell me that if I paid the amount of {$1300.00} at the moment the account would be settled and resolved. We proceeded with the payment at the time for the indicated amount of {$1300.00} after one week I received the letter of agreement indicating that the balance was canceled. I made a claim to XXXX XXXX on XX/XX/2020 and they only credited the amount of {$1300.00} leaving the account with an outstanding balance, when the letter indicates that the account was resolved and settled.

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 2018-07-07
Company: Experian Information Solutions Inc.
State: MA
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 was going through my credit report and noticed several hard credit inquiries that I don't believe I personally authorized. I've attempted to contacted each of those creditors listed and the credit bureaus that appears on my credit report. But after spending countless of hours and days on the phone with them and follow up through mail letters, Ive being giving run around, and they are still reporting inaccurate, incomplete and unverifiable items on my credit report. I've also personally wrote to the credit bureaus to look into this and I haven't received any responses over 30-45 days. Again, I did not believe I personally authorized anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights, and I would like these hard inquiries removed from my credit report immediately if they can not be verified. 

Company Information : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXXXXXX XXXX XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX Company Information : XXXX : : Date of Inquiry : XX/XX/XXXX Company Information : XXXX  : : Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX Company Information : XXXX Date of Inquiry : XX/XX/XXXX ALL ANY OTHER 30 DAYS OLD ON MY CREDIT REPORT ...

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 2018-07-07
Company: Harris & Harris, Ltd.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I am not the one they are looking for and they still call two to four time a week. The person has not live here for about three to four years ago they told by landlord to move for not paying rent..I told them not to call again I am XXXX years old

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
on XX/XX/2020 I mailed a letter requesting inaccurate accounts listed on my credit report to be verified. It has been over two months and I still haven't received a response and these inaccurate accounts are still showing on my credit report.

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 2018-07-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a notice from a collection agency in XXXX 2018 stating I owed for a credit card I had allegedly opened. I responded with a general letter stating I wanted to see my signature for this credit card I had allegedly opened. The collection agency responded with a statement of balance due but nothing concrete proving this account was opened by me. I then sent another letter, this time making it absolutely clear that I had not received that I requested in the previous letter and I wanted to be provided with the signature given when the account was opened. Once again, I was not provided with the information I had requested. Instead, I was sent an itemized summary of the billing statements. I made it very clear I wanted to see a signed document, but the collection agency has failed to provide me with one.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-08
Company: EQUIFAX, INC.
State: VA
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:
A hard inquiry was made several times without my concent. Two times this year. One in XXXX and XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
When I go to bank to get my money it never be safe so I talk to them about and never got no response

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
Company: Midwest Service Bureau, Inc.
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received collections letter from Midwest service bureau regarding alleged debt, asked debt to be removed from account, no verification of debt was provided

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-07
Company: EQUIFAX, INC.
State: MA
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 was going through my credit report and noticed several hard credit inquiries that I don't believe I personally authorized. I've attempted to contacted each of those creditors listed and the credit bureaus that appears on my credit report. But after spending countless of hours and days on the phone with them and follow up through mail letters, Ive being giving run around, and they are still reporting inaccurate, incomplete and unverifiable items on my credit report. I've also personally wrote to the credit bureaus to look into this and I haven't received any responses over 30-45 days. Again, I did not believe I personally authorized anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights, and I would like these hard inquiries removed from my credit report immediately if they can not be verified. 

Company Information : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXXXXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX Company Information : XXXX : : Date of Inquiry : XX/XX/XXXX Company Information : XXXX  : : Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX Company Information : XXXX Date of Inquiry : XX/XX/XXXX ALL ANY OTHER 30 DAYS OLD ON MY CREDIT REPORT ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
XXXX says that I opened an account with them and I never did. The address that they supposedly sent items to was sold 3 years ago and I moved out of 5 years ago. I have discovered the charges twice and they state the charges are legitimate. The email address associated with the account is not mine.

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 2018-07-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/17 there were 2 unauthorized withdrawals from my checking account in the amount of {$500.00} x 2 on XX/XX/17 there were another 2 unauthorized withdrawals from my checking account in the amount of {$500.00} x 2 Total amounts for all four transactions were : {$2000.00} I disputed this with Bank of America and after waiting they sent me a letter stating that the withdrawals were valid as it was an ATM which required a pin ... however, I did NOT authorize this and informed them of it many times through numerous conversations with them but they closed the case and would not re-open. 

I need help in receiving this unauthorized fraud charge. Thanks.

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