BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-15
Company: Denefits LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
The company does not exist or I should say vanished, and it still shows a balance on my credit report. Id like to remove the account from my account.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
XX/XX/XXXX statement cycle : XX/XX/XXXX-XX/XX/XXXX, Due date : XX/XX/XXXX, Balance due : {$1100.00} Paid by due date : {$880.00}, Amount I accidentally forgot to pay by the due date : {$240.00} payments regarding this {$240.00} : XX/XX/XXXX Payment 1 {$20.00} XX/XX/XXXX Payment 2 {$200.00} XX/XX/XXXXPayment 3 {$21.00} Interest Charged : {$42.00}!!!!!!!

XX/XX/XXXX statement cycle : XX/XX/XXXX-XX/XX/XXXX Due date : XX/XX/XXXX, Balance due : {$3100.00} Paid by due date : {$3100.00} ( Full balance ) Interest Charged : {$52.00}!!!!!!!

Since I'm an accountant, I have an extended XXXX spreadsheet to prove them wrong. They don't charge their interest on the amount due, but on the whole amount that you used on your credit card! even if its ' paid before the due date ( They calculate the average daily balance which is a wrong method because it includes the transactions you already paid off! ) I talked to two supervisors from Capital One and I have their ID numbers as well.

For the second one I said : So if I have {$10000.00} credit line and I use {$9000.00} of it on one month and pay {$8800.00} of it before the due date, you will charge me on the whole {$9000.00}? and she said : " YES ''.

Then I said, so you charge people for interest on the amount that they already paid, correct?

She said : " YES ''!

This complaint is not only for me, I want to help other people from getting ripped off by this bad business practice.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-26
Company: First National Collection Bureau, Inc.
State: AZ
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:
Received text message today from ph # XXXX. Messages says " Call us at XXXX or pay online using reference number XXXX at text.XXXX. Attachment of correspondence : From : First National Collection Bureau , Inc . 
TO : XXXX We are contacting you regarding an important personal business matter. This is an attempt to collect a debt. Any information obtained will be used for that purpose. This is a text from a debt collector. 

My husband had filed identity theft at our local police department and has notified all agencies involved. He is not receiving these messages. I am the one receiving messages. This is harassment from the debt collector.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12
Company: Mr. Cooper Group Inc.
State: MI
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
I keep getting phone calls saying that I am behind in my XXXX taxes. I was behind by 5 months and called and told them I was making payments and sent the tax bill showing my payments. In XXXX of XXXX I paid the balance of {$1000.00} with ck noXXXX. I was then informed by the company that they had paid {$1000.00} on the same day and I owed them this money. After sending many proofs of my payments they still insist that I 0we them that money. Now they want me to make a conference call with them so they can prove I still owe the taxes or so it seems. How do I know they even paid? 
I can't get the check back, its not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: Silverman Theologou, LLP
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In XX/XX/2023, I was contacted by Silverman Theologou , LLP by phone that XXXX XXXX XXXX XXXX retained them to sue me for a credit care debt. They claimed they were going to file a lawsuit against me if I did not work out a payment plan with them. I was told to make a payment of {$900.00} by XX/XX/XXXX and payments of ) {$180.00} for 72 months until my debt was paid. I explained to them I had no income but I would try. I was told I would receive documents to my email to sign the payment agreement. I never received anything. I could not make the payment in time and Silverman Theologou , LLP tried to charge my card 72 times and cost me more fees for declining. I contacted Silverman Theologou , LLP and told them I did not have the money. When my taxes came in XXXX I contacted Silverman Theologou , LLP and made a payment of {$500.00} because that was all I could afford, I was told payments would stay the same and that my receipt would be sent to my email as well as the new payment agreement. I never received either. Silverman Theologou , LLP Repeatedly calls me several times a week and has yet to provide me any documentation. I contacted the original debt and they confirmed that Silverman Theologou , LLP was their attorneys but did not provide me any information either.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: EQUIFAX, INC.
State: PR
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:
Dear investigator, In a communication I recently received from Equifax ( Exhibit # 1 ), the company alleges that ( 1 ) I have not applied for credit recently, ( 2 ) I have not used credit in the past 10 years, ( 3 ) I have not lived in the United States and ( 4 ) I do not have an Assigned Social Security number. 

ALL THESE ALLEGATIONS ARE COMPLETELY FALSE. I have an account with Equifax company, as well as XXXX XXXX and XXXX credit reporting companies. To correct this very serious error, I include a copy of my credit file with the Equifax company ( See Exhibits 2, 3, 4, 5, 6 and 7 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: EQUIFAX, INC.
State: SC
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 reviewed my CFPB complaint dated XX/XX/22 and I found out that you Close MY COMPLAINT # XXXX, XXXX, and XXXX on the same day. I would like to resubmit again my request to Investigate the Erroneous Accounts found on my credit report DEPT OF ED/AIDVANTAGE XXXX : {$1100.00} ; DEPT OF ED/AIDVANTAGE XXXX : {$3000.00} ; DEPT OF ED/AIDVANTAGE XXXX XXXX {$2300.00} ; DEPT OF ED/AIDVANTAGE XXXX : {$6200.00} ; DEPT OF ED/AIDVANTAGE XXXX Balance : {$5000.00} XXXX DEPT OF ED/AIDVANTAGE XXXX Balance : {$2500.00} ; DEPT OF ED/AIDVANTAGE XXXX Balance : {$5100.00} ; DEPT OF ED/AIDVANTAGE XXXX Balance : {$2400.00} ; DEPT OF ED/AIDVANTAGE XXXX Balance XXXX {$2500.00} ; DEPT OF ED/AIDVANTAGE XXXX Balance : {$5100.00} ; DEPT OF ED/AIDVANTAGE XXXX Balance : {$3100.00} ; DEPT OF ED/AIDVANTAGE XXXX Balance : {$3900.00} ; XXXX XXXXXXXX Balance : {$2.00} ; XXXX XXXX XXXX Balance : {$91.00} that is UNKNOWN to me. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. I am resubmitting this complaint myself and attached a copy of my Drivers license and proof of residency to inform you that I am the one asking your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card
Issue: Cash advance

Complaint:
My credit card bill wont go down and I 've never miss a payment. I call my credit card bank which recently changed their name and they tell me that I did a cash advance for {$84.00} before 2009, I just learn what a cash advance is. I told them to give me a copy of the transaction and they claimed that they dont have it to call the old company and vise versa. Im a XXXX that really doesnt know that much of banking. please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX/ XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 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 2021-04-06
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Citibank changed the PO Box number to send bills and my bill pay service XXXX informed last XXXX that they had received some payments back to them. I called CITIBANK and they told me, indeed, the PO Box had been shut down and gave me a new address. I sent my bills there and they went thru. One year later, CITIBANK closed my account, accusing me of MISSING PAYMENTS. I didn't. They closed their PO Box . Outrageous.

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 2016-11-22
Company: SYNCHRONY FINANCIAL
State: LA
Product: Credit card
Issue: Billing disputes

Complaint:
I called synchrony bank Walmart credit card before my payment was due to advise them I would be late they told me they will waive the late fee and that nothing would change as far as my minimum payment due well not only did they charge me a late fee they also upped my minimum payment and they keep doing it every month I refuse to pay since they gave me the information that nothing would change

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 2023-04-26
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
EXPERIAN clearly has no respect for congress or its laws. In response to complain number XXXX EXPERIAN claims they reached out to the alleged data furnisher and verified inaccurate information on an account labeled XXXX XXXX XXXX on my consumer report. THIS WAS A BLANTANT LIE AND HAS CAUSED ME DAMAGE. I have proof in the attached screenshots that EXPERIAN did not perform a proper reinvestigation of this account because my most recent consumer report shows this account has not been updated since XX/XX/2018. How did you verify? How did you reinvestigate?

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 2017-01-03
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card
Issue: Delinquent account

Complaint:
I would like to dispute the validity of Barclays Bank Delaware, Account number 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 2022-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 mailed a dispute letter to TransUnion. They mailed me a letter suggesting I didnt mail it. I personally mailed and certified my dispute letter. I have the tracking receipt to prove it. Please contact TransUnion to confirm I sent this letter. Tell them to provide dispute results.

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 2018-11-19
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XXXX. I became a victim of identity theft. I am now XXXX years old, XXXX XXXX college and to my knowledge, never have I ever had in apartment in my name. This has caused me a grave inconvenience because its hindering me from getting out on my own. This company is saying I owe them over {$6000.00} which I find ludicrous. I contacted them after I got denied from applying for an apartment. Again. I have never lived on my own. I reached out XX/XX/XXXX to let them know that I have been a victim of fraud. They were very rude and didnt want to hear it. This whole ordeal has caused me XXXX, Ive been crying tears sea deep because I cant get approved anywhere and its not even my fault. Me being a XXXX XXXX I should be celebrating but my joy has been stolen from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
In accordance with the Fair Credit Reporting act. The list of accounts has violated my federally protected consumer privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : 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. 

15 U.S.C 1681 A ( I ) states a report should only contain information solely as to transactions or experiences between the consumer and the person making the report 15 U.S.C 1666 ( b ) ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

This company and account have been going against my rights and violation as a consumer under the fair credit reporting act this is unconstitutional. I have rights and XXXX XXXX has violated them all they sold my information to a third party reporting agencies without consent and I am being harassed and denied by banks and extension of credit for this detrimental and defamation of character being falsely reported to my credit report I ask that this account be investigated and corrected please send me a report with updated information

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 2023-04-26
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:
THIS ACCOUNT GIVING ME ANXIENTY I CAN'T EVEN SLEEP WITH THIS, PLEASE REMOVE IT FROM MY CREDIT REPORT, I SEND ALL TE DOCS THEY NEEDED TO REMOVE IT AND I'M BEGGING YOU PLEASE..

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 2017-11-16
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NC
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XXXX my wife and I got a 2nd mortgage on our house thru XXXX XXXX XXXX XXXX XXXX XXXX  located at XXXX XXXX XXXX XXXX in XXXX XXXX XXXX XXXX XXXX. It was for a term of 120 payments begining on XXXX/XXXX/XXXX and would be paid off on XXXX/XXXX/XXXX. They were paid in full in XXXX XXXX and have not dropped the lien on our deed. Ca n't get in touch with them due to them going out of business in XXXX. We are trying to refinance our house to a lower interest rate and have been approved all but for the lien they have on the deed. This needs to be removed because they did get their money in XXXX when we filed chapter XXXX in XXXX thru payments. We have final decree papers that show a zero balance for them and this will be a big mess for our estate when we are departed if lien is still on deed. How can this be removed? Any help is great.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23
Company: EQUIFAX, INC.
State: WI
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 have attempted to have an account from XXXX  XXXX removed from my credit reports. I contacted each of the 3 major credit bureaus explaining that I do not have an account with neither of the companies listed on my credit report ( XXXX XXXX or XXXX XXXXXXXX XXXX XXXX ). I was told I can enter a dispute which takes 30 days to complete. Each time I put in a dispute I literally received an alert within 24 saying my dispute has been resolved with know change. In mid XXXX I contacted each bureau again asking what is the method for verifying this is my account considering I'm reporting it does not belong to me. I was told they contact the creditor and if I want more information to contact the creditor directly. 

Starting back in XXXX I've reached out to the company XXXX XXXX XXXX XXXX collecting on behalf of XXXX XXXX. The first couple of times I called ( only verifying my named, I was told I took out a loan online in XXXX of 2013. I explained I don't know who this company is nor have I taken out a loan with them. I've also asked for documentation with my identity information ( SS, address, DOB, dates, times and my signature on it ). To this date I have not received anything from either company. I also made a point to ask why I never received any calls or delinquent letters of collection. Neither rep could answer my questions. When I did a check on XXXX XXXX through Department of Financial Institution, I see that XXXX XXXX XXXX is dissolved. I mentioned this to XXXX XXXX and basically that was brushed off and they still asked me to pay them. 

I need immediate help from CFPB, my identity has been stolen 4 times within the last 7 years. This is not my debt and I would like it removed from my credit report immediately. Trying to resolve the issue with XXXX XXXX has been frustrating and time consuming to say the least. This is literally the only bill on my report and it is damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: Experian Information Solutions 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:
See the documents attached. 

This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

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 2023-04-26
Company: Experian Information Solutions 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:
THIS ACCOUNT GIVING ME ANXIENTY I CAN'T EVEN SLEEP WITH THIS, PLEASE REMOVE IT FROM MY CREDIT REPORT, I SEND ALL TE DOCS THEY NEEDED TO REMOVE IT AND I'M BEGGING YOU PLEASE..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-14
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
These accounts are not mine but are reflecting on my credit report. 

XXXX XXXXXXXX XXXX - {$5900.00} Opened XX/XX/2020 XXXX XXXX XXXX XXXX - {$780.00} Acct # : XXXX XXXX Bank XXXX - {$1800.00} Acct # : XXXX Capital One Bank - {$500.00} Acct # : XXXX Capital One Auto - {$32000.00} Acct # : XXXX They are illegally furnishing data on my consumer report that one is not mine or i dont remember opening these accounts. i never gave XXXX XXXX XXXX XXXX bank any verbal or written consent to report anything on my consumer report. no consent is identity theft. so they are violating law 15 U.S. Code 1681b i am personally writing to them with help of my lawyer that is telling me to gather all this information to file lawsuits to the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins. selling my information to third parties.

Company response to consumer: Closed with explanation