BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Kohls charge app and site was having issues. Would not accept my payment and said there was an error and to try again later. After multiple attempts I messaged Kohls and they said the problem was fixed. It was not! So I tried again later. The payment went through. This was XX/XX/XXXX. The payment was {$41.00}. Today XX/XX/XXXX I check My bank account to find there was a second charge from them for the same amount on XX/XX/XXXX. I talked to two customer service agents on the phone and multiple online and they basically told me there was nothing they could do and they could not refund me my second payment. To call my bank and cancel payment to them but I would be charged a {$25.00} cancellation fee. This is absolutely ridiculously and very shady of them to do. It was basically said to me it was my fault which it was not, the site was not working and telling me to keep trying. I only got one confirmation number in all my attempts so for them to charge me twice and try to brush it off as an error on my part is poor customer service! I am very displeased with this company and how their customer service works. How many others do they do this to? Taking unauthorized payments without a customers consent and then telling you oh well! Will be done with this company as soon as I oay My balance off.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17
Company: EQUIFAX, INC.
State: NC
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:
On XX/XX/XXXX, I contacted the credit bureaus to initiate a credit investigation of incorrect items on my credit report. Well over 30 days have passed. XXXX   has responded, but I have not received anything back from Equifax or XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28
Company: Waypoint Resource Group, LLC
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: Account information incorrect

Complaint:
Waypoint Resource Group is claiming they have the right to collect a " debt '' for XXXX $ for XXXX XXXX XXXX. This is damaging and is reporting on my credit file. It showed up in the middle of a mortgage transaction which dipped my score more than 60 points! This company does not have rights to the debt as the equipment was returned the XXXX as well as remaining balance paid to XXXX as evidenced by the XXXX balance receipt. As per XXXX the account owner this issue should have been resolved by now and i am severely disappointed that it hasn't been. Myself and my children are living from house to house right now and buying this house is very important to our health and well being. This collection should have never been place on my report. PLEASE remove it as soon as possible. '

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Experian allowed XXXX to pull a hard credit inquiry without my permission. This was done by the XXXX store on XXXX XXXX in XXXX, SC. The store employee who did this was XXXX. After my credit was pulled, she tried to get this reversed. I want this credit pull to be removed from my credit report immediately!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Unfair reporting of credit scores by including scores that have been paid off as not paid off. Student loans included in score, however the loans were paid off when President Obama paid off student loans for XXXX recipients. Car loan charged off and car resold they are reporting it as full amount owed and still open. When capital one got a hold of my credit information through applying for a Walmart store card. They are using unfair practices to keep me from getting approval of any credit. Reflecting low scores on my credit report because of their dishonest practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: DISCOVER BANK
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
On XX/XX/XXXX, I contacted TransUnion with a letter containing inaccurate information. They updated some of the information but failed to correct the following information : Inquiries : XXXX/XXXX XXXX -XX/XX/XXXX,  XXXX/XXXX  -XX/XX/XXXX In addition, there continue to be incorrect addresses that also appear on my credit file. Please delete the following : XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX. 
I am further disputing the late payments reporting on the following accounts. I was not late on any of these payments : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX My previous Employer was XXXX XXXX XXXX, please remove XXXX XXXX  from my 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 2015-06-30
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Good day! I have a public record on my credit report from 2008 concerning XXXX XXXX XXXX that I believe should be deleted based the statue of limitations. I have paid the debt and it should not still be on file since it is now 7 years. Please assist me inn this issue, if at all possible. Thank you ...

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-13
Company: AES/PHEAA
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: Account status incorrect

Complaint:
The account is with XXXX XXXX XXXX XXXX and it shows that I was late in XX/XX/2017. My loan was actually in deferment. I recently checked my credit due to wanting to purchase a home in the near future and discovered this negative remark on my report. This negative remark lowered my FICA score by more than 50 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 contacted Tran union for hard inquiries on my report. I have called for the last past two weeks for these to be removed and have not gotten any help. It also take them a long time to update your 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 2020-07-08
Company: U.S. BANCORP
State: VA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Don't want a card provided by your employer or the government

Complaint:
I applied for unemployment with the District of Columbia XXXX XXXX XXXX XXXX during a week of furlough. I requested direct deposit for my payment. While waiting to hear if I'd been a approved a debit card arrived from USBANK. The card bore a DC.gov logo and while the letter included standard legalese about opening a new debit line, it contained no information about my XXXX claim. 

I assumed I'd been paid, somehow through this debit system instead of through direct deposit as I requested. It seemed that I'd only be able to check the balance if I activated the card, which I did. 

The balance is XXXX dollars. On further research, it's unclear to me why this card was issued in my name, I did not request it. It seems that DC DOES will not be using it to pay me. Therefore it only opens me up to potential fees or identity fraud. 

I called to cancel the card as was put onto a phone tree. I was told there were over 600 people waiting on line, and it took 7 minutes to get to a place in the phone tree where I could request a call back.

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 2022-03-16
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Shellpoint sent a letter and did not give a breakdown of the trial payment amount. How my payments from 2021 were broken down. 

In the letter, they tried to change my third trial payment from XXXX to {$1300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 a victim of fraud and received over XXXX hard inquiries on my TransUnion Report. I called to dispute and nothing has been done about it. I cant even get a card because of all these inquiries that were not made by me. And also there are accounts in my name that are 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 2021-02-02
Company: Resurgent Capital Services L.P.
State: IN
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 XX/XX/2017, LVNV Funding, LLC added a derogatory remark on my credit report per XXXX XXXX. Upon further research this account was transferred/sold and I am no longer responsible for this account. Debtors/creditor did not verify this collection. Also there was no written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate a debt and anyone can send a bill and say it is mine. According to FCRA, LVNV Funding, LLC has violated my rights as a consumer and I am requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-12
Company: Kriya Capital, LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Date : XX/XX/2017, car accident bill. 
Account XXXX and XXXX Company : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX  XXXX, phone : XXXX. 
We were victims in a car accident on XX/XX/2017.  The other car driver was at fault. 
We assigned the XXXX XXXX XXXX XXXX XXXX as our representative and will handle any bills. The XXXX XXXX XXXX XXXX XXXX is located at : XXXX XXXX XXXX, XXXX XXXX, XXXX   XXXX. 
We have notified by writing, emails, faxes many times regarding billing and payment and advised this company to send bill to our representative. However, this company did not contact our representative but harassed us repeatedly. 
We notified this company that we have a representative lawyer who is willing to work with them directly but they ignored and did not contact our representative. We also notified them that contacting us directly would not get any positive results but may violate the Federal Law ( FDCPA ) but they still ignored. 

Thank you. 

XXXX XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In 2010 my identity was stolen after going into my XXXX XXXX account on office computer. A box popped up requesting all my identity information. And dumbly I gave it all as it looks exactly like XXXX XXXX and I didnt know about phishing back then. Shortly after I started getting stuff from debt collectors from XXXX XXXX from a XXXX XXXX residency. I live in XXXX XXXX. I went to bank reported identity theft and fraud and closed my account. Throughout years Ive had the debt collectors through XXXX XXXX asking for money for utilities for tv and phone services. I have to go through whole process to clear my name. Why they have not flagged any account under my identity I dont know but its extremely frustrating. Im now once again going through the process to clear my name through debt collector Convergent Outsourcing asking for {$1600.00} for XXXX XXXX for an account balance plus equipment cost. Please arrest these people. I want to be freed from this nightmare.

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 2018-05-12
Company: CITIBANK, N.A.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
in the month of XX/XX/2018 submitted documentation as proof i do not owe collection in the amount of $ XXXXIt has been nearly 3 months since the company agreed to remove collection and negative charge off continues to show as of today. I wish for this to be removed as promised

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 2020-05-28
Company: BARCLAYS BANK DELAWARE
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:
An a unauthorized charge of {$100.00} was made to my credit card on XX/XX/XXXX. After repeatedly writing to this bank and proving I did not authorize this charge, received no goods in return for the charge, and according to banks own terms and conditions I should not be liable for this charge, the bank refuses to remove or credit the amount, gives me a different reason for its refusal each time, will not even sign their letters with a person name or contact. I have proven my point. Ive never had such trouble with a bank in my life. Im XXXX, old, sick and tired of fighting this battle with them! But almost {$110.00} is a lot of money to me. Plus, the principal of the issue is this is a fraudulent, unauthorized charge and I do not believe I am liable for it. Im pursuing a separate claim through other agencies against the so called company that made this charge. I want the bank to stand by its terms and conditions and remove this fraudulent amount!

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 2023-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
So in XX/XX/2020 someone opened a credit card with a bank XXXXXXXX XXXX XXXX  I was a victim of identity theft from in XXXX  .I did not know because my home address is just a mailing address for me at a building I own, so now that me and wife seperated Im back living at my mailing address .I have police 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 2023-01-03
Company: EQUIFAX, INC.
State: MI
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:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, MI XXXX XXXX Account # XXXX, XXXX Funding Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27
Company: Navient Solutions, LLC.
State: WA
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:
On XX/XX/XXXX, I paid XXXX a collection agency to be removed from three co signed Sallie Mae loans. In XX/XX/XXXX, the loans were still on my credit reports. I disputed with all three credit bureaus and Navient/Sallie Mae. Navient said I had a XXXX   balance, and I was not attached. All three credit bureaus said that Navient told them the account was charged off/ and I still owed a balance. In XX/XX/XXXX, my lawyer was contacted by a collection agency trying to get the money again. In the years XX/XX/XXXX-XX/XX/XXXX, I have been denied credit because of this and as one bank personnel stated, This is the only negative thing in you report, it seems uncharacteristic based on your report. So finally I disputed it again. Now my credit reports have added the interest on the loan and my loans state that they are still currently charged off and I owe even more interest. My credit report score went down for the dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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 has an inquiry passed on that should be taken out or blocked. Per FCRA segment 605, Equifax and TransUnion Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that XXXX and TransUnion Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XX/XX/2022 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 2023-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

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 2020-02-02
Company: PENTAGON FEDERAL CREDIT UNION
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
ON MY XXXX CREDIT REPORT I AM MISSING MY LAST TWO CAR PAYMENTS ONE FOR XX/XX/XXXXAND ONE FOR XX/XX/XXXX WITH THE CREDIT BUREAU THEY ARE USUALLY A MONTH BEHINH WHEN THEY UPDATE TO THE CREDIT BUREAU. WHAT I DONT UNDERSTAND IS XX/XX/XXXX SHOWS A BALANCE AS {$20000.00} AND THE MONTH OF XXXX SHOWS THE SAME AS {$20000.00} BUT ON THE PRINT OUT OF MY ACCOUNT SHOWS A DIFFERENT FIQURE FOR THAT MONTH. SECOND ON THE RATING PART OF MY ACCOUNT IT SHOWS FOR XXXX DOES NOT SHOW A BALANCE THERE SHOULD OF BEEN A BALANCE SHOWING FOR THE AMOUNT WAS PAID WAS {$20000.00} WHICH SHOULD OF REFLEX ON MY CREDIT REPORT FOR THE MONTH OF XX/XX/XXXX I HAVE SUMMIT MY CREDIT REPORT AND BOTH MONTH UNDER MY RATING NEEDS TO BE UPDATED TO SHOW PAYMENT FOR THE MONTH OF XXXX AND XX/XX/XXXX ON XXXX XXXX THAT IS THE ONLY REPORT WHICH IS NOT ACCURATE. ON MY XXXX  CREDIT REPORT IT SHOWS PAYMENT STATUS AS PAID SATISFACTORILY I MADE ALL OF MY PAYMENT ON TIME WHY DOES IT SAY THAT ON MY XXXX  REPORT ALSO CAN THEY UPDATE MY CURRENT ADDRESS WITH XXXX  ON MY CREDIT FILE. THE ADDRESS THAT IS LISTED BEFORE I DONT USE MY CURRENT ADRESS IS XXXX XXXX XXXX XXXX XXXX XXXX VIRGINIA XXXX CAN THEY SENT THAT TO UPDATE MY CURRENT ADRESS WITH ALL OF THE CREDIT BUREAU.

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