BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I am writing to you in regards to my Wal Mart credit card account. In XXXX, XXXX, Wal Mart Credit Card was transferred to Capital One Credit Card Company. At this time, I was not receiving my monthly statements due to an error in the system. I could not contact Capital One directly because I no longer had this credit card. I realized there was a problem with this account when my husband and I tried to refinance on our home. Our loan officer pulled our credit report and informed me of this delinquent account. Our loan officer provided me with a phone number to call Capital One. 
From XXXX XXXX to XX/XX/XXXX, I did not receive my monthly statements so I made online payments of {$75.00} each month. The problem is that I did not realize that the minimum payment was {$120.00} which caused this account to be delinquent. No one from Capital One contacted me. The late fees were added and credit reporting lowered my credit score from XXXX to XXXX. As a consumer, I know how important it is to pay your bills on time. My husband and I are trying to refinance our mortgage loan. Because of this one credit card error, it has caused my credit score to drop drastically and not be able to refinance on our home. 
When I called Capital One last Thursday, XX/XX/XXXX and spoke with three different supervisors, I soon found out that my address was listed in their system incorrectly as XXXX XXXX XXXX XXXX instead of XXXX XXXX XXXX XXXX. Over this 5 months period, no one from Capital One tried to make contact with me. I did speak with XXXX, Capital One supervisor, she informed me that she was not able to take off the late fees and resend the corrections to the credit bureaus. She asked me to put this claim in writing and make a dispute. As a consumer, I do not feel that I am being treated fairly. 
I am hoping that by filing this claim, the CFPB can investigate this case. You can also see from my credit report that I do pay all of my bills on time. Ultimately, I would like for Capital One to remove all of the late fees, correct the error, and report correctly to all 3 of the credit bureaus. I truly appreciate you looking into my case and I hope that this can be resolved very soon.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-15
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found in my reports. The 3 Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : ACCOUNT RESOLUTION SERVICES ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date opened XX/XX/19 Balance {$2200.00} ACCOUNT RESOLUTION SERVICES ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/19 Balance {$1400.00}

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 explanation
Consumer complaint received 2020-09-25
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$660.00}, {$17000.00}, {$2000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1.  XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$660.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$17000.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-22
Company: NRA Group, LLC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was not informed that I can dispute this debt, I tried multiple times to settle this with no response from the collection company. I was never informed I can dispute this debt, nor was I informed that this debt was being sold. So, I never gave my permission to sell my debt to a third party. At this point I would like this to be removed from my credit. I have no credit and want to build, that is why I have been trying to reach out to settle this, with this on my credit, my credit is growing slower. If this can be resolved, it would be amazing for me right now. Thank you

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: NAVY FEDERAL CREDIT UNION
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have sent in numerous of letters an FTC reports to this company regarding this fraudulent account that was opened in my name. This company has completely ignored my request to have this account removed or investigated properly. This account is hindering me from moving forward in my life. This matter needs to be addressed and fixed expeditiously!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
Company: RS Clark and Associates, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
R.S. Clark and Associates received a debt for {$5500.00} five years ago from an apartment for a broken lease in my name, however I was unaware the debt had been sold until I checked my credit score in XXXX of 2014. I do not remember ever receiving a phone call or letter the debt had been sold to them. I contacted them to resolve the debt in 2014 as well as this year and both times, they tried to talk me into several deals in one phone call, each ending with the original amount instead of any of the deals they were offering. I was unaware it is law that within 5 days the company has to contact you or else I would have disputed the debt when I realized it was on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 noticed unauthorized credit inquires on a recent pull of my credit report. I believe this to all be errors copied to my report I sent my notices to investigate and resolve XX/XX/2019 and XX/XX/2019. 
XXXX XXXX XXXX never applied for credit *XXXX  XXXX XXXX  XXXX -never applied for credit *XXXX   XXXX XXXX- never applied for credit *XXXX XXXX/ XXXX-never applied for credit * XXXX-never applied for credit XXXX XXXX XXXX -never applied for credit XXXX XXXX-never applied for credit XXXX XXXX XXXXnever applied for credit XXXX XXXX applied for credit *XXXX XXXX XXXX -never applied for 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 2019-06-20
Company: State Collection Service, Inc.
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was injured at work on XX/XX/2017 and went to the hospital. They billed me 6 times, I kept telling them it was workmans comp claim. Talked to XXXX the insurance company they first said they paid it then I got another bill. They then said it was the hospitals fault cause they didn't fill out the correct paperwork. They wouldn't help me get this resolved. I have been calling XXXX and they will not return my phone calls. I then filled out a form for the department of workforce development workers compensation division. No one has gotten back to me. I leave message and no return call. Collections wants me to pay, and get the money back from the insurance company. I told them that if they won't return my calls how am I gon na get my money back. It is on my credit report and I am only XXXX and trying to build up good credit. It's been a year and a half of calling and being ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: Radius Global Solutions LLC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Radius has re aged a debt illegally. This electric bill was from a time 3 years ago, when the XXXX mortgage company took back my house in a deed in lieu of foreclosure. The consumers energy electric company said it was my bill. XXXX assumed responsibility of the bill when taking the house back. 
This was XX/XX/XXXX. That was the end of it I thought. I checked my credit report and see this debt as current in XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: GOLDMAN SACHS BANK USA
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit 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 returned an item to XXXX. I have a receipt that shows the item was returned and I was give a credit for the return. The credit card company states I did not return the item and continues to charge me for monthly payments. I have called the bank and XXXX and have had no success in resolving the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a credit alert from XXXX stating I have a new collections added. After reviewing I saw the Resurgent Capital Service was added. After doing more research I notice it was from XXXX, which I already settle and paid with LVNV. Thinking this was going to be an easy resolution, I sent a certified letter along with proof of the settlement letter to Resurgent. What I receive back was a debt validation letter. I know that was supposed to be sent before anything is placed on your credit report. I once again sent a certified letter stating my issues and demand this be taken off my credit report. Resurgent sent another letter asking for proof, both times I sent in the settlement letter, stating payment was received for this collection. I also requested the help with the XXXX  with South Carolina and they still refused to remove the collections off my credit report. All I have is the letter stating this matter is resolved, I no longer have that checking account to provide it was debited out of my account. Resurgent did not follow correct procedures to verify this account!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-31
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I have been a customer of TD bank for over 5 years.On XX/XX/19, I went into TD bank at XXXX XXXX XXXX, XXXX, NY XXXX for an international wire transfer from my TD bank account to my XXXX XXXX account in XXXX.I went into TD bank with a bank statement from XXXX XXXX   that contained all the information required to facilitate the transfer.The amount to be transferred was $ XXXX.US dollars and I was advised that it would equate to XXXX British pounds and that it should be in my XXXX XXXX account by XX/XX/19.I travelled to XXXX on XX/XX/19 because I needed the money to buy a property in XXXX. 
I went into XXXX XXXX in XXXX, XXXX on XX/XX/19 but the transfer had not arrived but was advised by my bank in XXXX to wait for a few more days. 
I checked again on XX/XX/19 and the money had not arrived. 
On XX/XX/19, I rang Td bank from XXXX to notify them about what had happened and was advised to call back on XX/XX/19, which I did.I was then informed that an investigation would need to be conducted.I returned to New york on XX/XX/19 and deposited a pay cheque into my account on XX/XX/19, I discovered that a payment for {$28000.00} dollars had been credited to my account without prior notification from anyone. 
On XX/XX/19, I went into TD bank in XXXX XXXX.and requested to speak to a supervisor.I was seen by a lady called XXXX and explained to her what had happened.She advised me that the money paid into my account was a refund but that she needed to look into the matter.I informed that the refund is about {$1900.00} dollars short of the original amount and that I was not prepared to suffer a loss of almost {$1900.00} due to a failed international wire transfer because I had provided all the information that was required for the transfer.On XX/XX/19 a few hours after seeing XXXX she rang me to inform me that she believed that some type of error had occurred but she still needed to investigate the matter. On XX/XX/19 XXXX rang me to inform me that the lady who did the wire transfer had just returned from vacation and the reason why the transaction failed was because of an invalid account format.I advised XXXX that my XXXX XXXX account is still live and valid.I am appealing to CFPB because without your intervention I dont believe TD bank are willing to resolve this issue.I have already lost money by travelling to XXXX and failing to achieve my aim.I was not able to proof to the seller I wanted to buy the property from that I had sufficient funds available to purchase the property.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2018 I submitted a dispute to Equifax informing them via written letter, that they were reporting me as an authorized user, a charge off account from XXXX XXXX XXXX XXXX in the amount of {$8400.00}. I informed them that I am not responsible for this debt and to delete this account from my credit report, but they have failed to adhere to the FCRA guidelines. This debt does not belong to me and they also failed to validate that it does.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
This company calls my phone XXXX XXXX times a day and every time they call it starts at XXXX XXXX. I spoke to a representative who wasn't too worried about the fact that they are calling in violation of FDCPA his biggest concern was trying to get an alleged debt resolved. I informed him they were calling prior to the allowed time he said it didn't matter and that they do this all the time. 

I informed him this wasn't my debt and he said they will continue to call and hung up. They have continued to call daily and all before XXXX XXXX 

The company calls from different numbers but they all lead to the same company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: Experian Information Solutions 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:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

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 2020-03-22
Company: Bread Financial Holdings, Inc.
State: WV
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
We made a purchase of {$11000.00} as part of a credit card promotion : Pay no interest if paid in full within 6 or 12 months. Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within the 6 or 12 months or if you make a late payment. **No Interest if paid in full within 6 or 12 months. Interest will be charged to your account ( at the standard, variable APR of 29.49 % based on the Prime Rate ) from the purchase date if the purchase balance is not paid in full within the promotional period or if you make a late payment. Minimum monthly payments are required for this plan during the promotional period. Required minimum purchase of {$500.00} for the 6 month plan or {$1500.00} for the 12 month plan. XXXX XXXX Credit Card Accounts are offered by Comenity Capital Bank, which determines qualifications for credit and promotion eligibility. At no time will the minimum payment due be less than {$27.00}. Minimum Interest Charge is {$2.00}. Standard variable APR of 29.49 % based on the Prime Rate. 
Payments of {$650.00} were made by automated payment setup through our bank on or around the XXXX of every month to waive interest costs if paid in full by the term 's due date. Monthly due dates were on the XXXX of each month. However, the last month 's payment date was on the XXXX of XX/XX/2019. The payment was made in that month on the usual date of the XXXX, which was still only six days late. We realized our mistake after thinking everything would be automatically taken care of and called the XXXX XXXX credit card customer service which is Comenity Bank. We were passed around from person to person while they claimed that our issue was being escalated. Every response was the same and no negotiation took place at all. We feel that the early due date on the last month is to intentionally trap people who use automated bill payments or those who budget bill payments at the end of the month. We think that due to the fact no one would try and negotiate with us, and being so obtuse, when all our payments were made in good faith, indicates they intentionally try to trick people into paying the 29.49 % interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Per my credit Report With XXXX, XXXX is reporting that this debt was included in chapter XXXX bankruptcy but is listed as a charged off account with Transunion & XXXX. 
I have disputed this account with XXXX Multiple times and i also provided proof but per an XXXX employee thay are going to agree with the Creditor no matter what I provide. This account needs to be updated and reflect the same resolution on all 3 credit reports or be removed from my credit report immediately!

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 2020-05-11
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: Account status incorrect

Complaint:
XXXX added a statement to my student loan, that I was in deferment and affected by the natural disaster - COVID-19. They removed the statement though I am in forbearance until XXXX. This caused a 42 point loss to my credit score.

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