BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
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:
I used XXXX XXXX bill pay service to make a payment of {$370.00}. This posted to my Capital One account on XX/XX/2020. Without explanation, the payment was reversed on XX/XX/2020. I am attaching a copy of a document from XXXX XXXX showing that I made the payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that CAPITAL ONE/XXXX has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-08
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX Jefferson Capital sent me a letter about a debt that I supposedly owed to XXXX. I sent them a letter asking them to send me proof that I owe the debt since I know I do not owe the amount they specified. They didn't send me anything and had my letter sent back to me. Then on XX/XX/XXXX they sent me another letter asking for payment on the debt. I ignored it and received XXXX more letters one on, XX/XX/XXXX, XX/XX/XXXX and the most recent on XX/XX/XXXX. I have not tried contacting them via phone because I know it's a scam and I know I don't owe the amount they're asking for.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: Fairway Independent Mortgage Corporation
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I purchased a home on XX/XX/XXXX. We worked with Fairway Independent Mortgage Corporation. They failed to include an accurate estimation of our taxes in our escrow payment that has resulted in a XXXX shortage to our escrow account that will raise our mortgage by {$600.00} a month. 

The Dodd Frank Act provided some level of clarity in that this estimation is now required by creditors for property taxes based on the taxable assessed value of the real property securing the transaction after the consummation of the transaction. 

This avoids a potential pitfall where the initial escrow deposits only reflect a lower assessed tax bill based solely on the value of the land. Disclosure provisions also provide the consumer with notification that the amount of escrows may increase. The expectation from the Consumer Financial Protection Bureau is that lenders and servicers determine the proper method for computing the estimated taxes. Availability of data to compute such estimates can vary by state as well as locality. Generally, estimates can be based on like properties that have been assessed if that information is available. Otherwise, 1 % to 5 % of the purchase price can be a reliable estimate. 
The importance of communication with the consumer can not be overstated. In addition to the required disclosures, the lender should ensure that guidelines include informing consumers that their payment will increase upon full assessment and that an escrow overage may be sent to them if the reassessment does not occur by the time they receive their first escrow analysis. 

Based on this information, I think it is clear that I was not provided the accurate estimations, information, disclosures, and warnings about my improperly funded escrow payment. No one ever explained to us that our payment was insufficient to properly fund the escrow. This has put me in a situation where I own a home with a mortgage payment {$600.00} above the budget I explicitly communicated to the lender. It sounds like there are very specific regulations in place to protect the consumer so that this exact thing does not happen. I have reached out to Fairway Mortgage on XX/XX/XXXX the day I received notice of an escrow shortage.I am waiting to hear back about how they will fix this but have not as of yet. 


XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 filed dispute regarding inaccurate information that is being reported on my credit file. I have not received anything regarding my dispute results which have been well over 30 days.

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 2017-12-15
Company: U.S. BANCORP
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My XXXX XXXX statement shows 3 lines : 1 ) **APR for current and future transactions ''. This suggests that the balance is subject to a 0.00 % APR for this statement and future transactions 2 ) Balance Subject to interest Rate suggests that {$10000.00} is subject to a 0.00 % interest rate 3 ) Expires with Statement XXXX suggests that this is the last statement that will be subject to the 0.00 % APR. It also suggests that the next statement will show an increased APR, with a balance subject to that rate. 

I was charged {$160.00} on my XXXX statement. I believe the XXXX statement is clear and unambiguous ; I am to be charged a 0.00 % interest rate on the entire balance for the month. 

I believe XXXX XXXX XXXX uses this statement to be intentionally misleading. 

I called XXXX XXXX XXXX, and the woman I spoke with was combative and disparaging. She said that the information is clear and unambiguous, that the interest rate expired on XXXX. She stated that if I need help reading my statement, I should have sought help to interpret the financial statement. I work in the financial industry as an analyst, I am pretty familiar with reading financial statements. I agree that the statement was clear and unambiguous, I was supposed to be charged a 0.00 % APR on the balance. 

Not only was the customer service demeaning and rude ; they tried to argue with me, as if to say that this occurs quite frequently with other customers. I believe this is because the statement is intentionally misleading ; they are asked by management to argue with customers, make it seem like it is the customer 's mistake, and denigrate the customer 's financial knowledge. 

What an awful experience with XXXX XXXX XXXX, it is an equal disappointment that XXXX XXXX is associated with them.

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 monetary relief
Consumer complaint received 2023-07-12
Company: PERDUE BRANDON FIELDER COLLINS & MOTT LLP
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Call company today. Tried to explain that I have previously stated cease and desist.I contacted the municipal court, they stated no action will be taken, these are from 2008. I did receive a letter yesterday stating that your drivers maybe suspended and a may be an active warrant for your arrest. I have asked again to cease and desist and was told today that they will not do that and call and letters will continue.this I harassment and I wan it stopped!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.

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 2018-12-13
Company: WELLS FARGO & COMPANY
State: TN
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:
I'm writing to you because I noticed that my most recent credit report contains late payment ( s ) reported on XX/XX/2018, XX/XX/2018 for my Wellsfargodealers 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 2020-07-15
Company: Experian Information Solutions 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 information incorrect

Complaint:
Experian report file that was never late. XXXX XXXX ACCT : 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 2023-08-19
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I applied for an apartment and was informed that I have an eviction flagged on my credit report. The house that is listed belonged to me and my former spouse located in Louisiana. The house that we owner was sold in XX/XX/XXXX and the proceeds were divided 50/50.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
Company: ALLY FINANCIAL INC.
State: OK
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:
Their are hard inquiries that I did not authorized and I want them to be removed. 
XXXX XXXX XXXX XXXX XX/XX/2020 ALLY FINANCIAL- XX/XX/2020

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 2020-04-18
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have experienced identity theft. So I went to login to my Experian account for a credit report, and my login email address has been changed. 

it appears that the thieves have changed the contact email on my Experian account, so I am unable to login to Experian and see anything related to my credit. Per the attached, I have never used an email address such as the one indicated. Never. 

In order to rectify its URGENCY, I have spent substantial time and effort today, Saturday XX/XX/2020 from XXXX until XXXX PST attempting to reach someone at Experian. Literally dozens and dozens of calls have been made to both XXXX and XXXX and XXXX, with hundreds of options to choose from every time that all lead to a robotic voice directing me to login to the Experian site to resolve any issues - which I obviously can not do as the thieves have changed my login information. I have selected every option hoping to reach a live person, but NOT A SINGLE OPTION WILL DO THAT! 

I CAN NOT find a single live person at Experian to help me. 

This is ridiculous, and MUST be rectified. 

I have already placed a security freeze on my credit report, but that is not a solution to the problem of thieves taking over my Experian account. 

Meanwhile, thieves are still out there ruining my credit via Experian, pretending to be me, and Experian have no way in which to help. 

Essentially, by making it impossible to provide me with an immediate solution, they are complicit in the damage being caused. 

NOTE : The last time I complained about the very same thing at Experian, they merely sent a letter with a copy of my credit report. No apology. No change in policy. No follow up. Nothing. That is unacceptable. Be accountable!

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 2020-11-07
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
On XX/XX/2018, Portfolio Recovery Associates added a derogatory mark on my credit report per XXXX XXXX and XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or written signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it belongs to me. According to the FCRA, Portfolio Recovery Associates has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
Company: EQUIFAX, INC.
State: NY
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:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Original debt was from XXXX for switching from XXXX to XXXX from XX/XX/XXXX. XXXX did not pay the ETF as stated. The original amount was roughly {$600.00}. XXXX and the collection agency now states it is double that and reporting it as {$1200.00} owed on my credit report. I have no other collections nor bad debt on my credit. I have no problem paying what I owe but I did not owe {$1200.00}. I finally attempted to settle and was told over the phone that upon paying the settlement of {$370.00} on XX/XX/XXXX with Jefferson. They assured me they would delete upon payment. After disputing with credit bureau they updated the XXXX  report as only reflecting that I simply made a {$370.00} payment and the balance of {$880.00}. When calling them to ask why did they not just tell XXXX  it was paid and settled and to delete as per their verbal agreement they proceeded to tell me that " well a lesser balance owed is going to look better on your report anyway '' NO!! That is not what was agreed upon!!! They even sent a letter to my email stating " payment was made and closed ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My personal information was used without my authority or knowledge to to open several fraudulent accounts as follows : XXXX XXXX ; XXXX XXXX XXXX FL XXXX, XXXX XXXX, CA XXXX ( XXXX ) XXXX Date Opened : XX/XX/XXXX Amount : {$1600.00} XXXX XXXX, was notified on several occasions by via phone that the above debt was due to identity theft but they continue to attempt to communicated with me concerning the alleged debt and fraudulent account. Federal Trade Commission Identity Theft Complaint was also made. 

Navy Federal Credit Union XXXX XXXX XXXX XXXX, XXXX, VA XXXX ( XXXX ) XXXX Date Opened : XX/XX/XXXX Amount : {$3200.00} Navy Federal was given multiple notifications regarding the accuracy of this account which was created due to theft of my identity. However Navy federal keeps violating FCRA by reporting inaccurate information onto consumers credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX ( XXXX ) XXXX Date Opened : XX/XX/XXXX Amount : {$1400.00} XXXX XXXX XXXX, has stolen the consumers identity and has been using it with authority and or consent to trade and sell consumer information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: WELLS FARGO & COMPANY
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Problem with customer service

Complaint:
Well I have always been a very loyal customer to Wells Fargo all these years I always had my money going missing from my account with them I had to call them about it I had to get a new debit card because somebody took money from my account twice someone took XXXX dollars from me XXXX is always taking money from me too Im going be switching banks soon

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 2020-09-14
Company: SYNCHRONY FINANCIAL
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
A scam company representing itself as Synchrony Bank. Fraud asking for social security number calling from XXXX A letter was sent to my home address ( 6 digit zipcode ) claiming to be from Synchrony bank dated XX/XX/2000. First off, QVC does not have a credit card operations department as Synchrony bank is the issuer of the store credit card. Secondly, there is no dollar amount of " balance '' to be paid as well as no account number or ID indicating an account. 

According to this letter, it appears to have been sent from QVC because QVC 's address is listed at the bottom. I called QVC and my account is perfect with no issues. QVC gave me a legitimate number to Synchrony bank and according to their records, no such letter was sent. 

i called the number listed and foolishly gave them my social security number. i called back the number listed XXXX and asked to speak to a XXXX XXXX in credit cards operations. employee had no idea who she is and never heard of her. Said " employee '' of Synchrony bank is elanor and ID # 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 2023-05-30
Company: Experian Information Solutions Inc.
State: TX
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 XXXX I asked to remove late auto payments from my report.According to ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the 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 2017-12-15
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
There was no option for the issue I am experiencing at this time. 

I was attempting to log in to make a payment on my account. 
I ca n't log into the website to make my payment and the payments are a couple months past due. I actually was trying to make a catch up payment, but the company will not allow me to access my account to make one. I tried using the online chat but they would not even speak to me. So I am now reporting them to the FTC as they are willing to damage my credit, but unwilling to allow me to make a payment. 

I tried filling out the survey that popped up, but the site conveniently disabled it before I could submit it. I am going to post my complaint on XXXX to see if I can get an attorney to pick this up so I can sue the company. I am done playing games with them. 

The online agent disconnected and forced the chat closed before I could even get the phone number to call there help line.

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 monetary relief
Consumer complaint received 2020-04-18
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 information incorrect

Complaint:
XXXX XXXX, XXXX  XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, Dept of ED/XXXX  XXXX XXXX, XXXX   XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX violated my 609 rights by reporting incorrect information to Experian regarding my credit file. Experian further violated my rights by adding this incorrect information to my credit profile for others to see. 

XXXX XXXX, XXXX/XXXX, XXXX XXXX, XXXX Retail Card, XXXX XXXX XXXX, XXXX XXXX reported to the Experian that I applied for credit I never applied for. They have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have my addresses, phone numbers, and names corrected on my report this is a violation of my Consumer protection rights.

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