BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
In XXXX I purchased a XXXX XXXX for approximately {$2000.00}. 
At the end of XXXX I paid the bill in Full, including all the current charges, so my balance would be {$0.00}. 

I pay my bill every single month to reach a balance of {$0.00}. Occasionally paying 2x a month. 

Within the return period, I returned the complete XXXX XXXX, I got a partial refund and they delayed refunding me the full amount. I called Capital One to dispute the charge, and get the remaining amount of {$1000.00} stating that I want a refund and returned the money. Capital One issued a " Provisional Credit. " - in XXXX XXXX refunded the {$1000.00}. In the meantime, I continued to pay my credit card bill in full. Though at Capital One refused to allow me to pay on a certain amount stating I had a credit. 

On XX/XX/XXXX, Capital One then billed me {$1000.00} saying I owed it for the provisional credit. 

After careful review of my bills : Capital One is fraudently charging me {$1000.00}. So in essence, I'm being charged double for a bill I paid completely in full. 

Money I paid - {$1000.00} Money I was provisionally credited : {$1000.00} Money refunded by XXXX : {$1000.00}. 

As you can see Capital One now has {$2100.00} of my credits- from monies I paid and the XXXX refund. Plus all the other charges I have also paid in full You will see, that in XXXX, I paid off the complete balance of the XXXX Account. On top of my regular bill, and I paid in XXXX the full amount of the bill. Today I paid the bill in full again. But Capital One has refused to credit my account, even though they have not credited my account nor has it been debited from my XXXX XXXX Account. They are purposefully delaying transactions All of my other accounts have been paid in full. After reviewing my statements against monies paid to Capital One, they are playing a shell game with may payments. This is a complete violation of CFPB Law. When I pay a bill off in full, Capital One can't hold my money and apply it when they want to, and they credit my funds. Their refusal to accept my payment of my bill stating a credit, in full is also a an outright violation of CFPB Law. They are manipulating payments illegally to show better return to investors. 

Capital One is also not crediting my account with money I have paid electronically on the date I have paid it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
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: Information belongs to someone else

Complaint:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and remove them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27
Company: Experian Information Solutions Inc.
State: TN
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 sent Experian a dispute through the mail and they have failed to investigate/reinvestigate my dispute. I have attached the documents to be corrected/investigated. In addition to the attached documents I have also noticed that the payment history for XXXX XXXX is being reported differently across the 3 bureaus. According to XXXX I understand that their reporting the same information to all 3 bureaus so what Experian is reporting can not be accurate and free from error. In addition Experian is not providing the number or name of contact at XXXX and is in violation of FCRA.

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 2023-03-02
Company: PLAZA HOME MORTGAGE, INC.
State: IL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Plaza Home Mortgage has threatened on two occasions, to charge me approximately {$380.00} for supposedly not having homeowners ' insurance from XX/XX/XXXX to XX/XX/XXXX. I've called this company a total of four times in an attempt to correct the issue. However, when a supervisor is requested, they claim one is " not available ''. Their representatives are rude and unprofessional. I believe this irrational and illogical threat letter is retaliation for having filed previous complaints against this company with CFPB. I had insurance coverage from XX/XX/XXXX - XX/XX/XXXX, and I did not close on the home until XX/XX/XXXX, so I do not understand why this company is sending threatening letters when at the time, I did not even have possession of the property. 

This mortgage servicer is wholly and entirely incompetent. I request CFPB investigate this mortgage servicer in order to determine if they are retaliating against me for previous CFPB complaints filed against them. I have attached all relevant documents to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: Franklin Collection Service, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This company has committed fraud and aggravated identity theft by acting on my behalf with my data pursuant to 18 USC 1028. They brought my data from a defaulted note purchased from 10 XXXX XXXX defaulted notes is a violation of UCC 9-110 and UCC 2- 401.They use the Credit Reporting Agencies to furnish a deceptive form on my report to make it seem as if there is a debt owed which is a violation of 15 USC 1692J. Apparently this company is a third party debt collector who unlawfully and illegally brought a defaulted note. Pursuant to 15 USC 1692c I never gave this company permission directly or indirectly to communicate with me. I have no contract with FRANKLIN SERVICE INC. This company has used my data without authorized use which is a violation of 15 USC 1602P to furnish a deceptive form to make me believe a debt is owed which is a violation of 15 USC 1692J. This company has committed fraud through the mail and by XXXX XXXX XXXX stating I owe a debt that is discharged which is a violation of 15 USC 1692B ( 2 ). This company has used deceptive means like letters and using the CRA 's to communicate and furnish fraudulent information with my data to coerce me into paying a debt which is a violation of 15 USC 1692E ( 10 ). FRANKLIN SERVICE INC can not and will not ever produce a contract between me XXXX XXXX and FRANKLIN SERVICE INC because that contract does not exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12
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:
This is a billing error dispute for my XXXX XXXX XXXX Home Equity Line of Credit account. 
Since XX/XX/XXXX, I have not received any of my paper billing statement for my XXXX XXXX XXXX Home Equity Line of Credit ( HELOC ) account. Each month since XX/XX/XXXX, I have sent XXXX  XXXX XXXX letters requesting that they send me a paper statement so that I may know what amount to pay ( minimum due ) and by what day I must pay ( due date ). XXXX XXXX XXXX has failed to send me paper statements for the month of XX/XX/XXXX to XX/XX/XXXX, for all the months of XX/XX/XXXX, and for XX/XX/XXXX through XX/XX/XXXX. I recently pulled my credit report and all 3 major credit bureaus show that XXXX XXXX XXXX is reporting my account past due for all months since XX/XX/XXXX. On XX/XX/XXXX I contacted XXXX XXXX XXXX by phone and XXXX XXXX XXXX acknowledged that because of an error in their system, I have not been sent any of my statements since XX/XX/XXXX and that they will be sending out a paper statement in the mail within the next few days. I was also informed that I have a past due balance of approximately {$14000.00} dollars that I must pay. Per XXXX  XXXX XXXX, my minimum payment due changed on or about XX/XX/XXXX. If I would have been given my paper statements, I would have made the correct amount due. I want to dispute the past due balance as several billing errors occurred because I did not receive any billing statements since XX/XX/XXXX. Every month since XX/XX/XXXX, I sent XXXX  XXXX XXXX a written notice stating that I have not received the statement for the month I mailed out each notice.

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 2022-01-28
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Complaint against mortgage holder Shellpoint Mortgage. 


Mid-year XXXX I was granted a forbearance. In XX/XX/XXXX I lost my job due to COVID and though I tried to make the monthly payments, to which by the way were always done on time before the COVID pandemic, it just became impossible. 

The government then helped with the additional {$600.00} of unemployment at which time I scheduled a payment in XX/XX/XXXX. This payment was for two months in the hopes that the following months I would be able to repay the three months missing. I was then two months behind. 

XX/XX/XXXXXXXX ACH Electronic Debit NEWREZ-SHELLPOIN ACH PMT XXXX Because I had made a two-month payment, someone in your company reached out letting me know that they would put the two months left at the end of the loan granting me with a forbearance. When this option was presented to me I asked, " if things don't get better through this pandemic and I am again not able to pay the mortgage, can I qualify again for another forbearance? '' The answer was a strong 'ABSOLUTELY ''. 

I went ahead and made the XXXX payment XX/XX/XXXX ACH Electronic Debit NEWREZ-SHELLPOIN WEB PMTS XXXX XXXX Then unemployment stopped the additional {$600.00} putting millions of people in financial trouble. 

I requested another forbearance through your website. I started calling as well. I have never been in this type of situation. Many of the times I called I would be sent to voicemail letting me know that they could not answer and to please try again. I did, unsuccessfully. I started leaving my name and number along with the loan number for someone to call me back ... ..NOTHIING. 

At the end of XXXX, I was finally able to talk to a gentleman who informed me if I paid three months at the same time the rest of the months would be put back at the end of the loan. As difficult as it was, I was able to make the three months payment for a total of {$9300.00} This gentleman lied to me because he never did what he said he would. 

I continued making the timely monthly payments after XXXX all the way to the sale of the property. 


My loan was assigned to XXXX XXXX XXXX. She seemed to have understood and cared. First thing she said was " if you were told that after paying three months at once you would go into forbearance with the other months, they SHOULD have kept their promise She also mentioned she could not understand why this was happening since I was making my monthly payments on time. We started working on a payment plan which we finally agreed on in XX/XX/XXXX at which time Shellpoint Mortgage reported me late. 

The new increased payment was effective in XXXX, and they continued reporting me late. This time for XX/XX/XXXX and following months 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 2023-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
The credit bureaus are in violation of 15 us. code 1681i. 

I am victim of identity theft and I have went through all the phases to report the fraud to credit, police, FTC, IRS and the credit bureaus. They did not show how they verified the fraud accounts and have yet to remove the accounts. The account with XXXX XXXX XXXX XXXX  is not mine and is fraud. I want this account deleted and removed.

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 2020-01-08
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
This is about the Equifax data breach settlement and how it is being employed. 
My data was stolen during the Equifax breach. Free credit monitoring is supposed to be provided. 
XXXX On the equifax breach settlement site I choose the extended free credit monitoring option. 
XXXX I received an email saying my free credit monitoring by XXXX, which was part of the settlement would end in 5 days. Leaving me with no free credit monitoring. 
XXXX The settlement call center tells me the case will take months to complete and I am on my own as far as buying credit monitoring, even though my claim was received. 
How can Equifax get away with this? They will now make consumers like me pay them, or another agency, to monitor my credit, after they lost it in the first place? They have hurt millions of people for the rest of their lives by their carelessness. Where is the fairness in that?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: Experian Information Solutions Inc.
State: CA
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:
On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll 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 non-monetary relief
Consumer complaint received 2020-01-08
Company: General Motors Financial Company, Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I am a leaseholder through GM Financial. Throughout the course of the lease, the ability to setup autopay has been unavailable to me through the online portal. Autopay is an advertised feature of the lease, however it is not possible to setup autopay via the " manage my lease '' function on the GM financial website. As a result, I have had to make all payments manually on a monthly basis, resulting in instances when payments have been late and fees incurred. My preference would have been to enroll in autopay, but because of issues with the company 's website this feature has been unavailable to me. When I tried to submit a complaint on this issue, I also found that the function to submit complaints via the online portal also does not work. The unavailability to me of an autopay feature, despite the fact that this was an advertised feature of the lease produce, results in a potential unfair practice under UDAAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed below. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of accounts that do not belong to me or were opened without my permission. 


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 2023-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$480.00} XXXX XXXXXXXX XXXX XXXX : {$360.00} XXXX XXXXXXXX XXXX Opened XXXX XXXX, XXXX Balance {$1400.00} XXXX XXXX XXXXXXXX XXXX Balance : {$500.00} XXXX XXXXXXXX XXXX XXXX XXXX, XXXX Balance {$120.00} XXXX XXXX XXXX  Balance : {$480.00} XXXX XXXX XXXX  Opened XXXX. XXXX, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I trust this letter finds you well. I am writing to express my deep frustration and dissatisfaction with the numerous attempts I have made to remove fraudulent items from my credit report through Credit Bureaus. Despite my persistent efforts, the fraudulent entries persist, causing significant distress and adversely impacting my financial standing. 

The continued presence of fraudulent items on my credit report is not only inaccurate but also poses a severe threat to my financial well-being. I have attached supporting documentation for each attempt made to rectify this situation, emphasizing the urgency and gravity of the matter. 

I request your immediate attention to the following actions : Conduct a thorough and expedited review of my credit report to identify and remove all fraudulent entries. 

Provide written confirmation once the fraudulent items have been successfully removed. 

Investigate the source of these fraudulent entries to prevent similar incidents in the future. 

I understand the importance of maintaining accurate credit information, and these inaccuracies are adversely affecting my ability to access financial services and secure favorable credit terms. Therefore, I expect a swift and diligent investigation into this matter. 

Failure to address this issue promptly may compel me to escalate the matter to relevant regulatory authorities and consumer protection agencies. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$740.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-24
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-03
Company: OPORTUN FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A fraudulent transaction was induced in my account and I informed the company of this ; they said they would terminate the balance and send out a new card in the mail, which still has not happened ; instead the balance has been let to grow with interest and now they expect me to pay it, without any proof that I did it. No communication from them has been taking place, rather evasion via mail letters I sent and phone calls.

Company response to consumer: Closed with monetary relief