BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
In XX/XX/XXXX, my husband and I borrowed money to pay off several credit cards. The company we borrowed from ( XXXX XXXX  ) paid several of the bills themselves, and then sent me cash to pay others. Afterwards, I checked to see what cards were paid. I did not see the amount that I owed Capital One credit card, so I paid it myself with my debit card. Soon after, I realized that it was already paid, so I requested my bank to put a stop payment order on the second pmt. 
Capital one received $ $ from XXXX on XX/XX/XXXX and from my debit card on XX/XX/XXXX. I checked my account often, so I could close it. It was XX/XX/XXXX, when I finally saw that it was done. 
When I checked the acct on XX/XX/XXXX, I saw that a XXXX donation I made cleared the acct in XXXX. ( I had changed the bank info on the XXXX charge page, but it hadn't changed. ) The company charged me interest on my card for XXXX, so I paid both those charges, and asked them to close my account. But they had also charged me a XXXX interest fees, even though I had a negative balance on my account for that entire month. I complained to finance people on the phone. They refused to take it off. Now it is XXXX and they added a late fee and interest on it. I wrote and mailed a letter to complain on XX/XX/XXXX. I have heard nothing back, only the added late charge and interest. They closed my account, and said I could NEVER open an account with them again. 
Can you help me? Is this wrong for them to keep charging me, when I didn't owe them? They called is " residual '' interest when I complained and asked for those XXXX charges to be taken off. I have worked in accounting for years, and just don't think it's right!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
There are currently numerous items being reported on my credit report that I have NO knowledge of. This was a result of malpractice or an error.

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 2018-03-07
Company: Merchants and Medical Credit Corporation, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I learned in XX/XX/XXXX that XXXX XXXX XXXX XXXX XXXX, XXXX placed an erroneous bad debt transaction on my credit report. This has prohibited me from securing the housing needed to accommodate my XXXX child. 

We lived in XXXX in XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX forwarded my son 's incontinent supplies to our temporary XXXX address during the summer of XX/XX/XXXX while we vacationed there. XXXX   Medicaid limited them to sending supplies to an alternate address for a maximum three months. We decided to stay in XXXX and notified the company and Medicaid at the end of XX/XX/XXXX. Shipments should had ceased at that time. 

The copy of the invoice I received in XX/XX/XXXX shows that the company sent a shipment to our old address in XXXX in XX/XX/XXXX. They allege funds are owed although I no longer lived there and they were notified to discontinue shipments before this shipment was sent. Previous shipments were paid by Medicaid, not by me. Medicaid said they were not billed for shipments after XX/XX/XXXX. 

XXXX XXXX XXXX states that it is not their responsibility to prove that I received the merchandise. I must prove that I did not. That's impossible! We are currently displaced because of this issue and I plan to seek additional legal action if the debt is not absolved and the transaction removed from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-21
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I'm sure that I didn't even have a real account and on several times I could not cash my payroll checks

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 2022-10-05
Company: EQUIFAX, INC.
State: AL
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 natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: EQUIFAX, INC.
State: MI
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Hello, To whom it may concern The companies XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, AND EQUIFAX are refusing to remove the following inaccuracies from my credit report after disputing the matter since XX/XX/2021. The following accounts needs to be deleted and removed immediately, CHAPTER XXXX BANKRUPTCY, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  : LATE PAYMENT. As I was never late on the XXXX XXXX account, and the other following accounts were not verified, nor accurate. The following companies are also reporting incorrect amounts owed and dates. The companies are giving me a hard time disputing the information. Threatening to keep the debt, and or public record on my credit report for 10 years. Advising me to stop calling, and disputing the inaccuracies, due to the choice theyll never delete it. XXXX and XXXX is also giving me a hard time when disputing the bankruptcy public record and deleting the derogatory record. When Ive already provided multiple documentation stating the following accounts are not verified nor accurate. Its unfair for the XXXX credit bureaus XXXX, EQUIFAX, and XXXX to report different account information, and different balances when a consumer is not responsible of the inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: IQOR US INC
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Over the past week I have received multiple calls from what appears to be a debt collector named allied interstate. They do not leave a message, they do not identify themselves. I have received no written communication from them. I am not aware of any debt that could be owed to them. I have had no opportunity to dispute whatever they might be calling about. I don't even know if I am the person they are trying to reach.

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 2018-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have an incorrect discrepancy on my TransUnion Credit Report. I want to dispute this charge. After multiple telephone calls I still could not log in to Transunions website to complete the dispute resolution. Finally I called to dispute and the operator barely spoke English and the telephone call was cutting in and out so bad communication was not possible. Same problem when I called back. Therefore I was unable to dispute this inaccurate item on my credit. Credit Reporting agencies should have some responsibility to provide easy access to erroneous credit information, especially since they don't seem to be able to secure their computer systems against data theft. 

XX/XX/2018 Calls placed between XXXX -- XXXX Central time USA

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 2021-03-25
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Equifax ; XXXX  and XXXX  should not be reporting a collection/chargeoff in the amount of {$530.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account is over ( 7 ) years old and should not be reporting at all. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XXXX I sent a letter regarding unknown inaccurate accounts and inquiries on my credit report and I have yet to receive a response. I feel like I'm being taken advantage of because it has been well over 60 days that my disputes have went ignored! XXXX XXXX plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been XXXX days, well over 60, so those accounts and inquiries should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation because of the stress you have caused from blatantly violating my consumer rights. My information was also impacted by the XXXX Data Breach and may have gotten in the hands of the wrong person. This complaint is being filed by myself, not a credit repair company so please don't respond using any false stall tactics.

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 2020-05-08
Company: ALLY FINANCIAL INC.
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I received a voicemail from XXXX from Ally XXXX customer relations in an attempt to resolve the complaint that I made about the loan still being on my report despite it having been paid off for close to 2 months. 

I have called her back twice leaving voicemails both times at her extension, and I have not heard anything back and the issue has yet to be resolved. 

My complaint is to express my dissatisfaction with both Ally Auto as a lender as well as their executive customer relations department. 

Having this loan on my report is impacting my ability to maximize my loan offers for a mortgage. 

XXXX 's contact information is the following ... 

XXXX Options : XXXX then 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 explanation
Consumer complaint received 2021-11-30
Company: TRANSWORLD SYSTEMS INC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On Thursday XX/XX/2021 my credit scores from all three credit reporting bureau 's dropped a whopping XXXX points. I had know Idea why but I watch my credit score closely and was notified by my bank. I checked the credit reporting companies and they staited the the cause was a delinkquent XXXX XXXX charged by a company called Transworld Systems which represents the unregulated power company in XXXX called XXXX XXXX XXXX. They claimed I owed XXXX XXXX XXXX. Now I have never lived in XXXX  and I have been a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  for about 40 XXXX The following information about the fradulent XXXX XXXX bill was on the XXXX web site : Account XXXX : Amount past due ... ... ... ..Not Reported? 
Bureau Name Transworld Systems Account type : ... ... ... ... ... Not Reported? 
Original Lender : XXXX XXXX XXXX  Responsibility : XXXX XXXX of account : ... ... ... ... XXXX month? 
Credit Limit : ... ... ... ... ... ... ... Not reported? 
Higest Balance : {$850.00}. Thats it, that's all the fradulent billing they presented to the Credit Bureaus that severely damaged my credit score. 

Additional documentation into the dispute said only this : Account Number : XXXX Account type : Collections Date opened XX/XX/2021 {$850.00} past due as of XX/XX/2021, that a XXXX power bill for ONE Month! 
Terms : one month. 
After disputing the 3 bureau 's, I called Transworld directly at XXXX and spoke to a rep named XXXX. I told her this was a mistake on their part, that I was a XXXX XXXX and very knowledgeable about the FDCPA Act and the FCRA Act, so we could forgo any lies or made up stories about how this happened. The reps attitude changed for the the better Immediately. She told me that the bill was actually from a location in XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. XXXX then asked for a copy of my drivers License to which I said absolutely not. I reminded XXXX that XXXX XXXX can not under any circumstances do business in the state of XXXX as the XXXX have never given them any type of approval to provide any service to customers in XXXX. But we did make an agreement that I would give her a ( partial ) copy of my latest XXXX XXXX XXXX with the account numbers blocked out ( they already had that information ) and they agreed repeatedly to provide me with a hard copy of the investigation that was expected to take 30 days. I have zero faith that they will comply. So it really comes down to 10 Power breaking federal Interstate commerice laws, which is quite serious. I will now be filing a complaint with the Federal Trade Commission which makes their actions a felony.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
1st off- the college was involved in legal issues regarding the school accreditation. Several students were invoked to litagation with the school regarding this matter. The credits offered by XXXX XXXX were not up to code with the state board examination. Therefore students werent allowed to take finals and receive their degree. I left the school during the legal lawsuits. 

Also- my account was given forbarance and income driven repayment of {$0.00} a month payments therefore my account was NEVER late or behind. Fed loan services has fraudulently reported late payments to my account.

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 2019-02-06
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have been making payments to Navient in advance. I should be paid a year in advance. And my profile is set to apply payments to future payments rather than just to principle. Despite that request, every month I make a payment, the due date is not advanced. I have made countless phone calls to try to get this issue addressed -- and while they fix the particular payment about which I am calling ; the underlying issue has not been resolved. I have called close to a dozen times now. I have also tried emailing them. And still the payments are being misapplied. 

I am trying to pay in advance in case something horrible happens and I am unable to make a timely payment. It shouldn't take me an hour out of every month simply to make sure my payments are being applied in a fair way. Moreover, every time they make " an adjustment '' the numbers then look off. At one point, a representative told me that the interest I pay is the same regardless of how much principle I have paid -- or how far in advance I am paid. And though my payments are always more than the required amount, the payment schedule has never been adjusted to reflect an earlier final payment date. 

My payment amount is supposed to be {$380.00}. Every month, I have been paying {$400.00}. When I have asked for information in writing, nothing has been sent. So, unfortunately, I can not attached any correspondence as none has ever been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Portfolio Recovery calls repeatedly after XXXX XXXX. They will constantly call from different numbers. They bought a very old debt I had and will not stop harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I sent letters to Equifax Credit Bureau last XX/XX/2021, and I have not received any response from them. That means Equifax has failed to comply with the Fair Credit Reporting Act law and continuously reported inaccurate information on my Credit Report. Here are the concerned accounts that need to remove completely from my Credit Report : XXXXBalance {$590.00} XXXX-Balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09
Company: Seben Hospitality Investments LLC
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I was contacted by a company called " Helping Hands ''. This company told me I qualified for the Student Loan Forgiveness Program. I was told I would be charged a fee paid over a few months. I paid the fee. I was told I qualified for the Student Loan Forgiveness Program and my loan would be forgiven. My credit scores would dramatically improve, etc. None of this happened and I am receiving letters demanding payments I can not afford. I don't know what to do. When I try to contact this company, my emails are returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05
Company: Medical Data Systems, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I wasn't aware of this debt or this company

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 2022-01-07
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against 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 2022-01-07
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: Reporting company used your report improperly

Complaint:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Capital One credit card changed my online account without my knowledge to a fixed payment from minimum due. A payment was made to Capital one in this month they claim it was late but it was a fixed payment of {$75.00} and not enough to cover the minimum due. No emails or letters were sent to me until it was to late or I would have corrected the issue.I have since paid off the credit card so that this fraudulent company can't do this to my credit again to me! I`ve contacted several individuals at Capital One to resolve without any success. 
Thanks XXXX

Company response to consumer: Closed with explanation