BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Hello On XX/XX/19 I received a form letter notifying me that Capital One credit card was changing due dates to the 1st of every month effective XX/XX/XXXX. And that if I wanted to change it ( back to the XXXX ), I'd have to arrange that but it would take 1-2 billing cycles XXXX XXXX XXXX for that to take effect. 

On XX/XX/19, when I had an hour to set aside, I phoned Capital One and spoke with a customer service person XXXX, then Sr Acct Supervisor XXXX ID No. XXXX, who told me that it was a 'wash ' because they had skipped XXXX payments. XXXX did arrange for my payment due date to be the XXXX of the months but could not guarantee what date it would take effect, and said I'd incur late fees and service charges if I didn't pay it in full. This is a credit card I pay in full every month. The shell game here is that Capitol one gets a potential of 10-40 days of payment earlier than they otherwise would, without having given consumers the 45 days notice they are required to by law. 

On XX/XX/19 I wrote a letter to their CEO and reiterated that I'd like this to revert to the 21st effective immediately. I also sent him/Capital One an invoice to compensate me for an hour of my time. 

I'd appreciate you looking into this for me. It's unfair to consumers, and some of it is against the law. Most people don't have time to deal with this, and the credit card companies get away with it. 

Best, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08
Company: Experian Information Solutions Inc.
State: CA
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 am a victim of identity theft. My personal information was compromised and fraudulent inquiries were included in my credit report without my consent or authorization. 
As a result, I sent this company my dispute letter on XX/XX/XXXX explaining my case. I even attached Identity Theft Report, Proof of identity and Section 605B of the Fair Credit Reporting Act. 
But to my surprise, this company up to now failed miserably to investigate my claims and is still reporting these fraudulent inquiries. For yet another last time, the following inquiries are fraudulent : 1. XXXX XXXX XXXX XXXX XX/XX/XXXX 2. XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XXXX XXXX   XX/XX/XXXX 5. XXXX XX/XX/XXXX 6. XXXX XXXX XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XX/XX/XXXX 8. XXXX/XXXX  XX/XX/XXXX 9. XXXX XXXX XXXX XX/XX/XXXX 10. XXXX XXXX XX/XX/XXXX 11. XXXX  XXXX XX/XX/XXXX 12. XXXX/XXXX  XX/XX/XXXX This letter is a written proof of my last intent to find a resolution for this case failure to which I will file a lawsuit against this company. 
I have attached for your review my dispute letter I sent to this company earlier and my FTC 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 2020-12-08
Company: EQUIFAX, 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:
A couple of days ago, I checked my credit report, some information is not mine. I think that I may be a victim of identity theft. I do not recognize these accounts inquiries and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. It could also be possible you are mixing up these accounts with someone that has a similar name as me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26
Company: LoanCare, LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have been trying to get the remaining funds from our insurance claim for 2 months now. The final inspection was handled on XX/XX/XXXX, but we had two additional checks sent to loancare that were posted to our account on XX/XX/XXXX. I submitted a XXXX  complaint on XX/XX/XXXX. On XX/XX/XXXX we received two calls. 1st call indicated they were escalating the request for a 2nd inspection and the 2nd call indicated they would be issuing a payment in 5 business days. To date, neither has happened. No inspection and they have not released the remaining funds from our insurance claim.

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 2021-05-04
Company: Quality Asset Recovery LLC
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My medical provider had trouble collecting payment for insoles from my insurance. The debt was paid in full by me in XX/XX/XXXX. Despite the fact that no debt is owed Quality asset Recovery continues to report the debt as being in collections. This was disputed with the credit bureaus in XX/XX/XXXX and again in XX/XX/XXXX. They keep reporting the debt and causing significant impact to my credit.

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 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be investigated/updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible 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 2023-03-21
Company: EQUIFAX, INC.
State: MD
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:
Please see the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
XXXX XXXX a Target card was fraudulently opened in my name It looks likes a card was opened on XX/XX/XXXX for XXXX XXXX  XXXX , XXXX XXXX Orig CTR on XX/XX/XXXX, XXXX  on XX/XX/XXXX XXXX 
There may be more that haven't shown up on my XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-24
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
I have XXXX XXXX XXXX on my credit report and they are over 7 years old and should be removed from my credit report. Also, they sold the debt are hired XXXX XXXX XXXX after sending XXXX XXXX XXXX a Validation Letter they removed themselves off my credit report. But XXXX XXXX XXXX didn't follow through with the same actions. I would like for XXXX XXXX XXXX to remove themselves from my credit report because they are 7 years old and the FCRA and FACTA both states that the credit report has to have accurate information on it. In this case Experian has not been following the Law.

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 2019-06-11
Company: TRANSWORLD SYSTEMS INC
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have no knowledge of these accounts listed on my credit report. I would like to have them removed and have my credit report updated immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Checking or savings account
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I noticed money was out of my account and quickly called my credit union 2-3 months ago. I realized some people took money from my account using XXXX XXXX, requested my debit card limit to be increased and applied for a loan in my name. I didn't get any notification or letter that these changes happened.They gave me steps on how to freeze my credit and stated that they would put in an application to the loan department saying I was a victim of fraud and request that I dont have to pay for the balance. They said I will get a call when the process is completed. Today, I received a letter stating the balance is pass due and that they are taking {$640.00} out of my savings/checking account. I called the loan department using the number the paper. The representative told me that the bank never contacted them, but they see the documents in the system stating I did report fraud. They called the bank and said that the application was denied because I could have gave somebody my information and had them call to set up a loan. I am an emotional wreck. When this first happened I was about to move out my sister house, but I couldnt becuase I didnt have the money for the deposit of the apartment. I just moved in with a roommate two weeks ago, becuase I thought everything was going fine. To hear that my case wasn't even looked for months and then denied after I did a followup is crushing. I need help, they want me to pay {$7000.00}. I dont have that type of money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2023 there was a charge to my debit card for the amount of {$250.00} at a XXXX XXXX. The charge also mentions XXXX, I looked up " XXXX XXXX '' and the nearest one to me ( XXXX, CA ) is in XXXX, WA. I disputed this immediately on XX/XX/2023, I explained to Citibank that I live in California and it's a XXXX XXXX to XXXX or XXXX flight. On XX/XX/2023 I have purchases from a taco truck and other places after the XXXX XXXX withdrawal. Citibank states that because I was in possession of my debit card the entire time the withdrawal is valid.

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 2021-10-14
Company: Ocwen Financial Corporation
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our mortgage was sold to phh mortgage a division of ocwen financial corporation in early XX/XX/XXXX effective XX/XX/XXXX. We have several complaints : 1 ) No loan documentation or loan servicing information about transfer was sent until we called multiple times. They said they sent it and provided a copy ( see attached ) but you will notice that the date on their letter is XX/XX/XXXX and it was sent via standard mail not first class so it would not arrive until far too late. We paid our XXXX mortgage payment on XX/XX/XXXX because we didnt have the letter to know that autopay would also be done. 

2 ) The letter provided says no autopay will be done until XX/XX/XXXX. However, the funds were taken from our account on XX/XX/XXXX ( see attached screenshot as proof ). PHH didnt even follow the terms provided in their own letter that was sent standard mail the day before they took the money from our account! 

3 ) we have been attempting to obtain back the extra mortgage payment since XX/XX/XXXX. We have called over 40 times, no one calls us back, they say theyve sent checks, they cant send the funds back electronically, and the issue is still not resolved. We cant go without {$3000.00} for month after month!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I work away from home over half of the month, I rely completely on receiving my billing statement every month. For several months in a row one of my cards statement ( Home depo card ) didn't come in the mail and I believe the Home Depo credit company switched to electronic notification without my consent. They have denied this but after I question the company my statements starting in the mail once again. Because of this I wasn't aware that my account payment was due and Home Depo credit services reported a 30 day late on my credit. This is the only negative report that I have and have had for over 30 yrs. I have called and disputed with all three credit agencies several times and no one will remove this negative information. The account is current and always have been except for this 60 day time period when I wasn't receiving a statement. I'm having difficulty refinancing my home loan because of this.

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 2018-02-26
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have repeatedly told Conns to stop contacting me and they say that the calls will not stop. I am only one payment behind and have told them when and how much I am going to pay. They call me up to 8 times a day. They don't accept XXXX XXXX and want me to change to a different prepaid card or open a bank account and pay by check. Even if I did this, I would still mail in a money order. I am only 1 payment behind and some reps claim I have never made a payment and want me to produce bank statements. i don't have a bank account. I have repeatedly told them this. I am including a screenshot of the last 10 bill pay payments I have made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 1. XXXX XXXX, Account # XXXX XXXX. XXXX XXXX Account # XXXX 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 : Also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) States A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-04-07
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Need release against me loan is very old and has been purged but they don't send letter or fax to state that .... that is chase Bank. I've talked to multiple times and still nothing ....

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have contacted Equifax multiple times and submitted complaints and this issue still continues. I have submitted the same information for this same issue with other bureaus and they have resolved my issues both by correcting this information and by doing so in a timely manner. The following accounts are listed incorrectly XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. Some of these accounts resulted in inquires as well 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 response to consumer: Closed with explanation
Consumer complaint received 2019-03-29
Company: Exeter Finance Corp.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had an auto loan with Exeter Finance for {$13000.00}. I became sick and my income changed. Exeter would not refi the loan. The auto ended up being repo-ed. I spoke with Exeter to get the remaining balance of {$8200.00} XX/XX/2018. I made {$7900.00} total in payments. The interest rate was @ 24 % on the {$7900.00} of payments = {$1900.00} in interests would seem = {$6000.00} was applied toward principal = {$7600.00} remaining balance. The car auctioned for {$7000.00} - {$7600.00} remaining = {$670.00} + {$1200.00} repo fees = {$1900.00}. 

Exeter has reported to all three credit bureaus a remaining balance of {$6800.00} which is not even close to the correct amount owed. I have disputed the amount on several occassion to no avail. I dont have a problem with paying what I owe. I have a problem with paying what I know I do not owe. I have talked with Exeter about this incorrect reporting as well. I requested a transaction log from the beginning of the loan until auction how all payments were applied. I have not received this information to date. The account on Exeter page does not show the break down of the payment as applied to the {$13000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: CITIBANK, N.A.
State: FL
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:
placed order on XX/XX/2021 using my citi bank credit care on XXXX company hilarious.top. order was set for three large items. Total charge was {$82.00}. Items stated they would take about 21 business days. XXXX after not receiving any updates. I reached out to the seller. I was not able to find working phone number and emailed the seller asking for update on the item. I received a tracking number and due to Covid was advised could take longer to receive from my postal serviceman. On XX/XX/XXXX I finally filed a dispute with Citi Bank credit services. In which a credit was issued back to my card during the investigation. On XX/XX/XXXX I received a letter regarding the credit being reversed. I was told to contact XXXX who in term directed me back to Citi bank. I explained I never received the package took off time to go to postal office requesting a print out of the tracking number. I also was advised by the postal service this was a light weight small package which goes to prove my point the seller did not ship the items I purchased. No ideal what became of the small package but the three items that was ordered would not have needed to be delivered to my unit or picked up in the post office. Neither of these where done. I requested Citi bank provide me validation information for the investigation which was completed and spoke with managers on more than one occasion but have not received.

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 2023-01-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Overdraft that caused my accounts to be charged and automatically deducted from my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation