BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-12
Company: Experian Information Solutions Inc.
State: IL
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 disputed XXXX XXXX XXXX Account XXXX with Experian and XXXX XXXX 30 days ago. I have not had an account in my name with XXXX XXXX XXXX at any point in time. They are representing XXXX XXXX XXXX and I have never had a XXXX XXXX XXXX account in my name. My ex husband did but he is deceased. This debt was registered in 2021 while I lived in XXXX, Il and I can provide current lease and utility bills as proof. This is now affecting my credit and it is a debt that should never had been attributed to me. I want this removed immediately. Experian and XXXX XXXX should not be charging you to remove things if they are ethical reporting agencies. If I had paid for their services, which I can not afford to do then this would have been removed.

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 2022-10-04
Company: WELLS FARGO & COMPANY
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:
In accordance with the fair credit reporting act XXXX has violated my rights. Under 15 U.S. Code 1681 section 602 states that I have a right to privacy. 15 U.S. Code 1681 section 604 ( a ) section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S. Code 1666b A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

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 2020-02-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
The last week of XXXX I had called and was provided with the pay off amount of my credit card with Capital One. I was informed that the pay off amount was {$8.00}, XXXX. This amount was also placed on the Capital One Application as well. I was working with a local bank and provided them with this amount. A check was cut by the bank and sent certified to Capital one in the amount of {$8400.00}. This payment was posted on XX/XX/2020. On XX/XX/2020 Capital One placed an interest fee on my account of {$160.00}. I contacted Capital One on XX/XX/2020 and spoke with a supervisor " XXXX '' who informed me that he has no record of this call, and due to this he would not be able to remove the charge. I informed him that the account was paid in full and had a XXXX dollar balance and how could he charge me, two days after a full payment. I asked for XXXX 's boss and he told me that he was the highest there could be I told him no, that everyone has a boss. XXXX stated they do not have contact numbers, I stated how else can they be contacted and he stated they can't. Now I am stuck with another charge after doing what I was supposed to and paid a pay off fee of {$8400.00}. This company takes advantage of its consumers and financially abuses their power. All I wanted was the fee to be removed it is clearly stated in back and white and they still are charging me for something that was paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13
Company: FRESNO CREDIT BUREAU
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I called in today to the Creditors Bureau USA A Professional Debt Collection Agency located at XXXX XXXX XXXX, XXXX, CA XXXX. They are claiming a balance billing I don't believe I even owe, but it is for {$30.00} so I planned to pay it. When trying to pay with an XXXX debit card they informed me that they charge a {$5.00} processing/convenience fee. Per my understanding this is a violation of the FDCPA. And beyond that is exorbitant given the bill total.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
It has been a battle going through all these and I am submitting this CFPB complaint requesting to the Credit Reporting Agencies to delete the disputed Fraudulent accounts and information completely from my Credit File. How many times do I have to tell the Credit Bureaus that I was a victim of identity theft and that the accounts I am disputing were the results of such crime. I have been asking to the Credit Bureaus to remove the the disputed items to correct my Credit File and send me copies of proof of verification if the Credit Bureaus claim that the disputed items belong to me. However, the Credit Bureaus have been disappointing me and have failed to send me copies of documents I have been asking from them. I have also been sending dispute letters to the Credit Bureaus attached with complete documents of proof of identity and Identity Theft Report I received from the FTC. I am submitting this CFPB Complaint to follow up the previous CFPB complaint I submitted and requesting the Credit reporting Agencies to remove the disputed items before I am forced to take legal actions. Once again, please remove the following items completely from my Credit File : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX B XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX Owed : {$1000.00} XXXX XX/XX/2021

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 2017-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have recently tried to obtain a few new secured credit cards. For all of them, I received letters in the mail saying that my applications were pending due to being unable to contact me regarding a security freeze on my credit. The phone number listed in the consumer statement is one I have not used in over 10 years - which is how I know this freeze could n't possibly have been initiated by me. In fact I only remembered the number once I saw it in these letters from the creditors. <P/>Several other applications were denied based on the creditors ' inability to get in touch with me at the number listed on the consumer statement. <P/>So now I have several points off my credit score for inquiries that otherwise would 've resulted in new credit card accounts, a higher overall credit limit, and thus a better score. <P/>I was able to get in touch with Transunion via telephone to update my file information. The agent told me the security freeze was initiated by XXXX but of course I do n't know how to verify that information. <P/>I sent letters to XXXX and XXXX via USPS mail in efforts to get these security freezes lifted.

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 2019-02-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
On XX/XX/XXXX, I wrote a letter toCapital One as requested from all three credit bureaus after disputing a Capital One inquiry, I was told to contact the furnisher of the inquiry. 
On XX/XX/XXXX I certified a letter asking for Capital One to provide a application letter giving my consent or permission to check my credit. 

On XX/XX/XXXX I filed a CFPB complaint XXXX, with proof I contacted this company for this purpose. 

Capital One responded on XX/XX/XXXX With references to other companies in their response without having a consent form or a application from these so called companys which should show my signature giving Capital One or these specific companies named in their statement permission. 

Capital One Can Not Provide These Documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
complaint to the compan Search Records NON ACTIVE BUSINESS OPERATING WITHOUT ARTICLES OF INCORPORATIONS Foreign Profit Corporation XXXX XXXX , XXXX . Status INACTIVE Filing Information Document Number XXXX FEI/EIN Number XXXX Filing Information Document Number XXXX FEI/EIN Number XXXX Date Filed XX/XX/XXXX State VA Status INACTIVE Last Event WITHDRAWAL Event Date Filed XX/XX/XXXX Event Effective Date NONE Principal Address XXXX XXXX XXXX. 
XXXX, VA XXXX Changed : XX/XX/XXXX Mailing Address XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX, GA XXXX Cancellation.Whenever the amount of money due on any mortgage shall be fully paid, the mortgagee or assignee shall within 60 days thereafter cancel the same in the manner provided by law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13
Company: TRANSWORLD SYSTEMS INC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I've disputed this account several times because I do not know who or what TSI/XXXX is or why they are on my credit. I've written to them asking them to verify the information, and they have not responded. They have continued to call my place of work, despite me repeatedly asking them not to, so they are now auto dialing my cell phone! Please make this nightmare end!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My issue is my mortgage company keeps increasing my monthly payments every few months which these amounts are completely different from the monthly amounts scheduled in my original loan.

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 2017-12-31
Company: Experian Information Solutions Inc.
State: PA
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:
XXXX XXXX XXXX XXXX has not proven or justified the issue of the California All Purpose Certificate of Acknowledgment to how XXXX XXXX XXXX the notary sign and Witness me being XXXX XXXX personally appeared on the document to make the instrument being the deed legally binding. 

I have attach the document as proof and have sent it to document places to get the document verified as it is the same signature that did and sign and fill out the document. 

XXXX XXXX XXXX XXXX has yet to give a truthful answer its all ways something I did not request or some slick talking or trying to act as if there not at fault.

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 2017-07-12
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
The lender Navient solutions inc. has been ripping students off on a daily basis and I happen to be one of them.They reported that I owed them outrageous amount of money from school I attended back in 2010 ( XXXX XXXX XXXX XXXX ). They failed to apply my monthly payments to my total account balance and were constantly harrassing me on phone when I dropped out of the program.They totally ruined my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-31
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I disputed this account and it was removed off of my XXXX  report but XXXX and XXXX are still reporting this also Portfolio Recovery has this account in collections. Please help. This is the account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: Yamaha Motor Finance Corporation USA
State: SD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I sold the vehicles and then paid the loan off on XX/XX/21 and Yamaha Motor Finance Corporation has not released the title. Yamaha Motor Finance had previously bought this loan from XXXX XX/XX/XXXX. Every time I call Yamaha they tell me they will submit the request to XXXX to release the title and it can take up to a week. I have call three times to request this and they say all they can do is submit another request to have XXXX release the title. I have asked them to escalate this and to call someone at XXXX and they say that they can't, they can only resubmit it to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25
Company: Resurgent Capital Services L.P.
State: ME
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
Company mailed letter asking for me to settle debt. I am on XXXX benefits from the VA and social security. Also letters have been mailed to me via incorrect address, therefore involving a third party.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01
Company: EQUIFAX, INC.
State: AL
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:
The following companies ran unauthorized credit inquiry on my credit report. Kindly remove the following as these are suspicious:XXXX XXXX		XXXX XXXX		XXXX XXXX		XXXX		XXXX XXXX XXXX,		XXXX		XXXX	XXXX XXXX XXXX	and

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In XXXX of XXXX a credit card with Bank Of America ( BOA ) was fraudulently opened in my name. I did not discover this until the fall of XXXX when a collection agency contacted me. I immediately filed a police report and hired XXXX ( a credit restoration service through XXXX XXXX ) to assist in getting this card off my credit report. In XXXX of XXXX we started calling BOA to get this resolved. Now its been 13 months with zero resolution. 
I have sent them everything they have asked for to resolve, including police reports and other documentation. We have made countless calls to BOA. Its important to note that 3 other credit cards were opened in my name at the same time with 3 other banks. All of those banks released my obligation within a couple weeks of contacting them. BOA has all the information to prove it was fraudulent but continues to do nothing. This has negatively affected my credit as we are now in the process of purchasing a new home- the higher interest rates will cost us several thousand dollars. This needs resolved! I am convinced BOA is not even trying to resolve as they have all the information needed. 
HELP!

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 2019-05-25
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: Account status incorrect

Complaint:
There is no sufficient information to support the credit bureaus claim. The payment here is sent in advance so I don't understand why this is past due..Please fix this for me.. I was not late on XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13
Company: EQUIFAX, INC.
State: IL
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:
On XX/XX/XXXX, I reached out to the BBB for assistance on an Equifax, Inc. complaint. In XX/XX/XXXX, I had tried to access my credit report online through credit monitoring software many times and was unable to do so. Several lenders and credit card companies also tried to pull my Equifax credit file and were not able to do so ; this has been going on for over a year. In XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I reached out to Equifax to get this resolved but I was told my credit file was too large. After the BBB started an investigation, an Equifax representative stated they were sending me a copy of my credit report. Since then, no credit card company, mortgage lender, and even I ca n't access a copy of my Equifax credit report. Today, XX/XX/XXXX, I contacted Equifax again and was told by a CSR that I have two credit files that need to be merged into one so that my credit report can be pulled/accessed. However, when I asked the CSR about merging the file so it could be pulled/accessed, she stated she could not merge the file. She also told me online credit reports, credit monitoring services, lenders, and credit card companies can not pull my file because it is split. I have made multiple calls to Equifax on this issue to no resolve. I have been denied several mortgages and multiple credit cards since my Equifax file ca n't be pulled.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12
Company: GOLDMAN SACHS BANK USA
State: PA
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:
Goldman Sachs. XX/XX/XXXX, and XXXX. 2022. Someone tried to take out mortgages in my name. Luckily I put a stop to it. I called them to let them know it was fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-13
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XX/XX/17 : Noticed a collection was reported to my XXXX credit report by a collection agency called : Convergent Outsourcing. I never received any letters or correspondences from Convergent Outsourcing. XX/XX/17 : called the Convergent Outsourcing collection agency to inquire about the collection account they reported to my credit report. I provided them both the account number & my social security number & told them I had never received any correspondences from them & had no idea about the collection. Their response was they do n't have my information on me available. I specified that I am in process of a financing transaction and as the result of this negative reporting I ca n't proceed with obtaining financing. I requested them to remove the collection account since they do n't have any information on me. They said they cant do that at this time. They provided me with supervisor 's email & asked me to email a supervisor which I did and made the request, but the supervisor never responded back.

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