BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-19
Company: EQUIFAX, INC.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hi I called the company to try to dispute my collection of on my credit report that was already paid and he told me that they could not take it off because of whatever reason they didnt see it and I asked him why because my account was already paid for and I dont understand what was the issue so he was giving me a hard way to go. Ive been stressed out I know what to do Im trying to buy a house and theyre holding me up from taking the collection of my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I never received a bill in XXXX. The last payment I made was XX/XX/2020. Because the interest free promotional period was near, I thought I did not receive a bill because my balance was XXXX. ( That was the case for another company, I have 3 interest free promotional periods ending within a2 month period, so I was confused ) I still tried to call several times to confirm but could not get a human on the phone. The automated system said my balance was the same as my last payment, it sounded like I was done but still wanted to speak to someone. I tried calling again during the week rather than the weekend on 2 seperate occasions and still could not get a human on the phone. I received a text on XX/XX/XXXX from an unknown number telling me I missed a payment. I called and that's when I was told the bank changed and the bill now comes from elsewhere. I explained that I never received anything and wanted a bill to ensure it wasn't a scam. I still haven't received anything in the mail. I looked through my mail for the new envelope but it has a due date for XXXX. I never received a bill for the XXXX due date. I have a XXXX promo finance charge, a late fee charge of XXXX and it says my previous balance was XXXX. I also have a charge called promotional revolving at XXXX. I don't understand the charges and I asked them to waive the fees and interest since I never received anything. The promotional period ended in XXXX and that is when I did not receive a bill. I thought maybe I didn't see the bill because it was sent in a different envelope and I didn't open it yet since I was looking for the same envelope I've seen for the past 2 years I've been paying this bill. But upon looking through all my mail the only bill I see from the new company is due in XXXX. Also the account number on this bill is different than the one I've been paying for the past 2 years. I easily get on the phone when I call the number that texted me but when I call the number given to me by the store I made the purchase from I can't get anyone on the phone. The store I made the purchase from did confirm that they changed banks but didn't understand why my account number was different. I want to pay my bill but only the remaining balance if I had one.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On or about XX/XX/20 Capital One Bank refused to give me an adverse action letter after being denied credit in violation of the ECOA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
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:
Since XXXX I have attempted to get my credit reports to reflect accurate information. I contacted the creditor, who provided letters. I have had these updated and removed due to them being too old and XXXX has made me write and call in multiple times. I was told by one supervisor, XXXX that he would place an expedited request to have it removed as it was too old to report on XX/XX/XXXX. Then on XX/XX/XXXX my credit report showed there was no update. I contacted them and spoke to XXXX XXXX who told me that the creditors letter did NOT state the date of delinquency was XX/XX/XXXX and that XXXX can report up to 7 years after the account is closed. Well if that is the case, the account was closed on account # XXXX on XX/XX/XXXX so they are long past the 7 year time frame then! Also, the account ending in XXXX was closed XX/XX/XXXX and the account ending in XXXX was closing XX/XX/XXXX. So I am respectfully requesting that XXXX remove the old negative information now as the timeframe is 7 years from the first date of delinquency and even if they wanted to take the account that was paid on XX/XX/XXXX, that XXXX in MN ran XX/XX/XXXX, so anything else was time barred if it would not have already been settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: WAKEFIELD & ASSOCIATES, INC.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16
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: Personal information incorrect

Complaint:
On XX/XX/XXXX I mailed a letter to Transunion advising them of several addresses and information about my employment that were on my credit report were fraudulent and they need to be removed these addresses are XXXX XXXX XXXX XXXX nc XXXX, XXXX XXXX XXXX XXXX Nc XXXX, XXXX XXXX XXXX XXXX nc XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX nc XXXX. I also have never worked as a self employed person or at a company called XXXX XXXX .... at the time I sent an affidavit letting them know that this information was incorrect and my drivers license with my correct address [ XXXX XXXX XXXX XXXX, NC XXXX ] I also called Transunion on several occasions to have all of the false addresses removed. I have discovered that since XXXX fraudulent accounts have been opened at the fraudulent addresses and I am doing all I can to stop all of this stuff I sent the original affidavit to transunion so I have had to fill out another one but I am submitting it to you today so that you can hopefully assist me in getting this corrected immediately this is just one of many issues I have had since discovering these issues. also I have tried to address inquiries that were fraudulent from XXXX XXXX XXXX & XXXX XXXX XX/XX/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 2020-04-29
Company: FIFTH THIRD FINANCIAL CORPORATION
State: WV
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Attempting to make principle only payments to a HELOC acct on multiple occasions. I h ave tried both the website and the app to transfer funds from a checking acct to the Flexline acct. It is set up with an auto bill payer feature that makes an interest payment. If I schedule a principle only payment it takes a long time ( weeks ) to  post to the acct. while interest is accruing. If I call my local branch and have a rep do it, it posts that day or the next business day. I understand this may seem like a small amount but if theyre doing it with thousands of accts it would be significant. I have no idea if its illegal, but it absolutely seems unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My home loan was sold to Carrington Mortgage Services in XX/XX/2021 from XXXX XXXX. I have not missed any payments or deferred any payments. Carrington has recently started reporting to the credit bureau that my payments are late. I have asked for a copy of my contract with them as I do not recall signing one and for an explanation for the late reporting. My payment history with Carrington does not show any late charges or late payments however it's reporting as late to the bureaus which is causing me issues with refinancing and lowering my credit scores. I have attached my payment history. This is VA loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2018 USAA Bank withdrew, without authorization, enough money to overdraw our checking account, causing a large number of Overdraft Fees. The amount of the withdrawal was {$300.00}, and the total amount of overdraft fees caused by that withdrawal was {$170.00}.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-23
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX   XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX   XXXX, Company Inquiries : 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 explanation
Consumer complaint received 2021-10-18
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 status incorrect

Complaint:
I have disputed the information directly with XXXX XXXX XXXX and they have refused to correct the late payments. I have also requested removal of the account from my credit reports because the account is paid in full and closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Navy federal credit union is denying all of my fraud claims. I had multiple fraud transactions on my account from a person who I hired to do help in my house. I did not realize it was this person until it was too late. I have a police report, all of the claim numbers, amounts, etc. ive been battling this for 4 + months. The most recent denial was today. Ive changed all of my passwords, account numbers, downloaded security protection for my cell phone ( all suggestions from navy fed CU ) and was still denied. This is outrageous and has put me in an extreme financial bind with over $ 5k in fraud taken from me. I have a daughter and am the sole provider for her and can not wrap my head around this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16
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: Their investigation did not fix an error on your report

Complaint:
I sent XXXX, XXXX and Equifax 4 letters disputing the following items on my credit. I wanted them to provide me with documentation that these items belonged to me. Each credit reporting agency did not provide documentation of proof the items belong to me. They either stated they were updated, or had no change at all. The items are to be deleted is you can not verify the authenticity of them.

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  I appreciate any assistance you can give me.

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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:
Beginning XX/XX/2019, my Capital One credit card is locked up after every 1-3 transactions for a fraud alert. ALL of the transactions have been either near my house, near my work, or online at regularly visited reputable websites like XXXX. I call Capital One, verify my info in excruciating detail, they clear the card and I can use it 1-3 times and it gets locked up for fraud alert even using it at the exact same merchants. I call Capital One, spend approximately 50 minutes on the phone each time, have to verify all info including taking photos of my driver 's license which I think is very unsafe. This process repeats every day or few days. Not once during this three week period has there been even one fraudulent charge. I have asked Capital One to fix this problem and have been told there is no one there I can contact nor is there anyone there that can fix my problem. I requested a replacement card initially thinking I might have a problem with my chip. Afterwards it began giving problems for online ( i.e. not swiped ) transactions so I am not thinking this will help. Regardless, they sent a card taking over a week with the EXACT same expiration date and security code. If Capital One is so worried about possible fraudulent charges that they lock up the card almost every day, why would they send the exact same card? Answer is they are incompetent. I feel like I am being harassed by Capital One with this terrible customer service. I feel like I should be compensated for my time, inconvenience and embarrassment of having my card constantly declined. I easily have over ten hours of time invested in this issue. Capital One has consistently stated that every merchant has sent them the wrong information. Really??? 20+ merchants sent the wrong information? I don't think so. They also can't explain if that was the case how on websites where the info is saved ( like XXXX ) the exact same info will work once after they reset the account but the next time the account is locked up. The incompetence at Capital One in regards to this technical issue would be laughable if it weren't such a huge inconvenience.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX   XXXX/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX   XXXX, Company Inquiries : 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 explanation
Consumer complaint received 2020-11-06
Company: Recovery Partners, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
recovery partners llc XXXX XXXX XXXX XXXX, az XXXX there trying to charge me for a debt I don't owe! Just because someone writes a bill doesn't mean I have to pay it! I own a towing company if I write a bill for XXXX for a recovery job, but I didn't do the job can I still enforce the customer to pay it? Probably not right? So vice versa there trying to charge me XXXX to pay the debt and they're telling me we can settle it for XXXX and if I don't pay it there going to suspend my license. No one has contacted my insurance company or my attorney representing me in this just got a letter stating this is how much I owe. This isn't correct i don't owe anybody any money I pay all my bills on time and the last thing I want is for my class A license to be suspended. Don't know who this bill belongs too but it defiantly not me. I tried reaching out to this company and the just told me I have to pay I told them to get in contact with my attorney because she is representing me and can send and documentation to prove this they declined to call her and speak with her. If they don't want to talk to my attorney about the situation I have nothing else to say but there is no way I am obligated to pay a bill that wasn't intended for me and with no one telling me I owe them money. No one sent me a bill that I owe XXXX up until this letter from Recovery Payments llc contacted me I spoke with XXXX XXXX from there and the account # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
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:
This account is not mine, I do not recognize this item. I would like to apply investigation as this is a fraud. Please remove it asap

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 2021-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have submitted multiple requests by mail to have the initial and extended fraud alerts removed from my credit report and they refuse to do it

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 2021-10-18
Company: American Profit Recovery, Inc., Marlborough, MA Branch
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX voluntarily stopped treating my lawn but continued to bill me for months of services that they never rendered and they changed the terms of the verbal contract with the sales agent. They also, reported it to American Profit Recovery ( Due process was never provided by this company. They never contacted me about this debt ) and they reported this debt to collections on my credit report. 

I have contacted XXXX XXXX XXXX  and reported to them that their technician voluntarily stopped treating my lawn and asked that they review their trip report to verify this but they refused and the manager refused to speak with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I reached out to the credit bureaus documenting several errors on my reports. They ignored my letter and have not fixed the problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: TD BANK US HOLDING COMPANY
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. This item is reporting late, yet it is closed and the balance is XXXX as reported in my XXXX and XXXX Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.

Company response to consumer: Closed with explanation