BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
My Capital One credit cards have been in a restricted status for over a year with no separate adverse action letter sent. I called on XX/XX/19 to find out what was going on and was finally told that my accounts were permanently restricted and Id never regain charges privileges. The representative said the great news was that I could apply for another line of credit. 

I was told that I was sent 4 emails regarding restriction notice but I keep all emails from financial institutions and although I received pat due notices, I have never received an email stating that my charging privileges would be permanently revoked or even at risk. 

Capital One is deceptive in continuing to charge membership fees on an account I will never have access to again and in failing to communicate what restricted means and how/if restricted status could be lifted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: Experian Information Solutions Inc.
State: PA
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:
Dear CFPB, IRS, XXXX, EXPERIAN, XXXX XXXX, XXXX XX/XX/XXXXXXXX I am writing to demand the deletion/removal of an unlawful and inaccurate report on my account. XXXX XXXX. XX/XX/XXXX has unlawfully given my nonpublic personal information, personally identifiable information, financial information without my consent to a third party. This is clearly stated in the Fair Credit Reporting Act in section 604 ( B ). I have not given consent, written instruction or permissible purpose for this to be reported, shared or sold. This is also a breach of the arbitration agreement. The account in question has been bought by XXXX XXXX XXXX. Furthermore XXXX XXXX XXXX has harassed me constantly even after me telling them they legally need to cease and desist. These are all violations of the FDCPA, FCRA, GLBA, ETFA, this is also fraud identity theft, harassment. I demand the account be removed by all credit reporting agencies and the 3rd party. In addition to the deletion of the account and rapid rescore I expect my privacy right to be respected and I expect all parties to act in accord with the law. Including all applicable tax law. This illegal, unlawful and inaccurate reporting is damaging my credit worthiness and if it continues I will be forced to alert the SEC, FTC, IRS and every applicable legal entity to resolve this matter. There are also several violations of state law. Rather than pursue all of these in court, I simply demand the item be removed in accordance with the law. Then all parties are made whole. Any further communication that doesn't involve removing the account will be considered a failure to cure. This is a notice to all parties involved that any further non compliance will be considered willful. Please be advised that this is my request asking you to remove the unverified account on my credit report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report as well. I demand that you remove the account from my credit report immediately. If you do not comply with this demand within 30 days, I will be forced to take legal action.

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 2019-04-15
Company: Experian Information Solutions Inc.
State: SC
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:
Experian, XXXX, XXXX XXXX have a charged off XXXX account showing on my CBR 's that was to be removed from my CBR 's on XX/XX/XXXX because of age of the original debt. None of the three CB 's have removed the charged off account information - The charged off balance on the XXXX account was {$19000.00} and I have written documentation from experian that the charged-off account would be removed XX/XX/XXXX - This removal of the account should be done by the other two CB 's as well by 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 2018-12-17
Company: WAKEFIELD & ASSOCIATES, INC.
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a credit monitoring alert indicating that a collection had been placed on my credit report. Wakefield & Associates, ( XXXX ) XXXX, was listed as the debt collector for an amount of {$630.00}. I contacted the collection agency and advised them that this is not my debt ; that I have never received any communication from them regarding this debt ; nor had I received any communication from an original company owning the debt ( since it is not my debt ) ; and requested that they remove this debt from my credit report. It has not yet been removed and, therefore, I am filing this complaint. I respectfully request that this debt be removed from all three credit bureaus ' files since it is not my debt. Thank you!

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 2022-08-15
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/2019 I contacted the company in regards to XXXX bankruptcy this is on my report and asked the method of verification and also for proof of verification. I received a letter stating the information was verified through a third party company called XXXX XXXX where they purchased my information. This alone is a violation of FCRA and USC laws. These laws state that i have the right to privacy meaning i did not give them authorization to report this information on my behalf. FCRA 623 ( a ) ( 5 ) states that if the credit bureau cant validate the information with the ORIGINAL CREDITOR they must remove the information from my credit report. Also be aware that NO COURT IN THE U.S.A. VALIDATES NOR REPORT to any agency or bureau. YOU HAVE 15 DAYS FROM RECEIVING THIS TO VALIDATE THIS OR REMOVE IT

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16
Company: OpenRoad Lending
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
We already sign all of the documents and sent what they asked us for, the CONTRACT where we signed said, that we where already signing for the APROVAL for refinancing the car, the payoff amount and date, how much and when we where going to start paying the new account, XXXX, we sent all the documents needed, including the POWER OF ATTORNEY, and just receive a call from them telling me that they where unable to approve the aplication. They ran our credit a few times and affected us in our credit score by 100 points. ( From openroad )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
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: Account information incorrect

Complaint:
I have wrote several letters to the bureau 's in regards to the inaccurate reporting of an account reporting on my credit report from XXXX XXXX XXXX. On XX/XX/XXXX I wrote a letter to the credit bureau 's XXXX & Equifax to notify them that there is a past due balance reporting on a collection account from my understanding a collection account is past due account and should not have a past due balance. On XX/XX/XXXX I sent a letter to the credit bureau 's to notify them that the date of last activity is reporting inaccurately it's reporting XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), and XXXX XXXX ( Equifax ) which makes me believe the debt has been re-aged. I would also like it to be noted that Equifax is reporting a late payment of 120 days on a collection account from my understanding a collection account is a late account. There is also a date of last payment reporting for XX/XX/XXXX, however, there is no date of last payment reporting for XXXX and XXXX. 

I would also like to add that the bureau 's failed to respond to my first two disputes as they continued reporting this account to my credit report so at this time I have no choice but to reach out to you at the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
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 a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Assist me in solving this problem. Also, there are laws that ensure that credit bureaus report only accurate credit information. It is evident that the inclusion of this inaccurate information is a mistake on either your part or the reporting creditors part. Take this chance to correct all the errors. Send me a copy of my credit report as soon as your investigation is done.

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 2018-05-17
Company: Ocwen Financial Corporation
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I filed a prior complaint with this mortgage company. Complaint # XXXX. And they did not address the issues that I specifically asked to be addressed. 


I know that the decree was not sufficient to remove me from the debt that is why I attended several of the foreclosure mediations as stated in my complaint. And filed to have me removed from the foreclosure matter. At which time I was removed by the Judge and their own attorneys office. None of which is stated in the letter they filed as their final findings even though a letter from their own attorneys office was provided to them stating I was withdrawn from the foreclosure and I was not a party to it and had no liability. None of this is in their final letter. 


Furthermore my credit report shows that they are showing that I am still late on a mortgage that no longer exists which is ruining my credit further. How can you say a person is 120 days late on a mortgage that was foreclosed on 2 years ago? You are ruining my credit. 

I was not a party to the foreclosure therefore the word " foreclosure '' should not be on my credit report and furthermore you should stop marking me late on a mortgage that no longer exists. 

This is absolutely insane and needs to stop. I want this cleared up immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: U.S. BANCORP
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
US Bank sent me a notice on XXXX XXXX, XXXX of a new escrow analysis. The bank says my escrow is short {$3900.00} based on a prorated 12 months. 

In addition, my escrow deposit was raised from {$190.00} to {$410.00}. 

The bank added {$320.00} for the shortage spread plus the increased escrow deposit fee to my XXXX statement, increasing my payments to {$1900.00} from XXXX. 

My county taxes increased to {$3300.00} in XXXX from {$730.00} in XXXX. This increased amount ( {$2500.00} ) is reflected in my new escrow deposit. 

Based on the above, my account should be short {$1900.00} due to increased tax payments from XXXX XXXX. I asked US Bank if I could make a {$1900.00} payment or pay my full tax bill for XXXX so could they remove the shortage of {$3900.00}. The bank rep said the shortage fee would be there unless I pay {$3900.00}. The rep 's explanation of the the shortage fee doesn't make any sense to me. I believe there are hidden extra fees in the {$3900.00} because the numbers and explanation provided by the representative do not make sense to me. 

I told the representative if she could present or explain why the fee is more than what I owe and she could not. I told her I would report this issue to the CFPB and she did not seem to care. 

I would like the shortage fee removed and the hidden fees revealed and explained. 

Here is my information : Loan Number : XXXX Name : XXXX XXXX ( formerly 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 explanation
Consumer complaint received 2022-08-09
Company: EQUIFAX, 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, 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 Creditor Information 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 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 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 XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: GreenSky, LLC
State: HI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
.    One  day  XXXX   XXXX  came to my house and referred a company that will install a water heater solar panel in my roof. He then let us signed a contract for the installation. However, when the installers came, we changed our mind and did not let the installers proceed. In others words, we cancelled the job.  One month later GreenSky started sending me the bill. So I just ignored it because since we cancelled the installation I do n't owe any money. This company just persistently sending me the bill with interest. One day I wrote a letter on the statement stating that the item was not done because I cancelled the installation. The following month GreenSky  sent a bill with interest totalling {$10000.00}. So I called again telling them that I just sent them a formal letter dated  XXXX   XXXX ,   XXXX   telling them that the job was not done. So I called again and  one of the rep.  that I talked to by the initial of  XXXX . on  XXXX  said that they never received any letter. My big issue now is that this company even reported this to the credit bureau and ruined my credit already. I want them to removed this issue on my credit so that I will have a good credit again. Thank you very much for your kind assistance regarding this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: LendingPoint Holdings LLC
State: PA
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 a victim of identity theft. It appears someone gained access to my personal information and opened a loan with Lending Point company. I had to terminate my checking and savings account with XXXX XXXX  due to this identity theft because funds were being transacted via my financial institution without my knowledge or consent. 
Date of XXXX account termination XX/XX/23. 
I have spoken to a Lending Point representative over the phone and explained that my identity has been stolen and I did not apply for a loan with Lending Point. 
I have contacted the XXXX credit report companies and informed them of this identity theft. 
I am still getting phone notification from XXXX XXXX company currently. 
Please assist with possibly rectifying this serious matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
A Bank of AmericaXXXX XXXX XXXX XXXX opened in my name and mailed to my house in XXXX of this year. I called their fraud dept and had them close the card. I also froze and monitored my credit and had the hard inquiry removed. Just a few days ago I received a fake letter for the card i closed saying it was approved ( dated XX/XX/22 ). I believe the scam was to steal my info, open the card, and then send this letter to get me to call them back so they could get more info.

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 2019-04-16
Company: DISCOVER BANK
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
In XXXX I signed up for a Discover credit card account and was unknowingly enrolled in a payment protection plan. Unfortunately, today, XX/XX/XXXX, I finally realized I have been paying for this plan for almost 10 years. I was not, until today, informed of this program, it's supposed benefits or that it would continue to charge me fees over the life of the account. I was not notified after lawsuits were filed and refunds processed. I have moved 6 times since opening the account and unfortunately never received a notice regarding these fees. I have not used this program, nor did I ever intend to. Looking through online statements from XX/XX/XXXX to current day, I have been charged {$1900.00} please see the XXXX sheet attached with amounts and dates. This total does not include anything from prior to XXXX as I do not have access to those statements online. 

I called customer service today immediately after identifying these unsolicited charges to cancel. They advised me they would be able to refund the past six months fees which totals {$73.00}. This is such an insignificant amount compared to what I've paid over almost 10 years of being a loyal XXXX customer and it is entirely unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: EQUIFAX, 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: Information is missing that should be on the report

Complaint:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 75 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes to verify incorrect information. Being it has been so long without a response I would like for the items to be removed from my credit report. These accounts are adversely affecting my credit report and costing me thousands of dollars in interest every month and it has been over 75 days so they should be deleted promptly. The accounts, credit reporting and items in question are inaccurate and incorrect and should not be on my credit report because they are not accurate and do not reflect the correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
The following employment data reported on my XXXX XXXX, Experian and XXXX  credit report is inaccurate : XXXX XXXX and XXXX XXXX XXXX XXXX. I have never worked at XXXX or 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 2022-08-15
Company: Experian Information Solutions Inc.
State: MS
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no 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