BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-22
Company: EQUIFAX, INC.
State: TX
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: Problem getting your free annual credit report

Complaint:
IN REGARDS TO EQUIFAX : XXXX. XXXX XXXX XXXX GA XXXX, XXXX  : XXXX. XXXX XXXX XXXX TX XXXX, XXXX  XXXX. XXXX XXXX XXXX, PA XXXX I'M TRULY APPALLED ON HOW 3 CREDIT BUREAUS ESPECIALLY EQUIFAX HAS BEEN CONDUCTING THEIR INVESTIGATION PROCESS AND THEIR VALDIATION AND VERIFICATION PROCESS AS WELL. I NOTICED THAT I HD BEEN A VICTIM OF IDENTITY THEFT DUE THO THE EQUIFAX BREACH OF DATA AND HAVE BEEN TRYING TO CORRECT SOME ISSUES THROUGH THE AGENCY, BUT I KEEP GETTING PUSH BACK FROM THEM WHEN IM CLEARLY TITLED TO A FREE ANNUAL CREDIT REPORT OF 12 MONTHS. NOT THE CASE HERE I FOUND THAT EQUIFAX HAS MY SOCIAL SECURITY NUMBER WRONG LINKED TO SOMEONE ELSES AND THEY REFUSE TO SEND ME A COPY OF MY FULL REPORT. I CALLED IN AN VERIFIED AS WELL AS SENT LETTERS CERTIFIED AND FAXED OVER DOCUMENTATION PROVING THAT, I AM WHO I SAY I AM. I PROVIDED A COPY OF MY LICENSE AND SOCIAL SECURITY CARD AS WELL AS A COPY OF MY BANK STATEMENT FOR EXTRA PROOF MY ADDRESS. I PROVIDED THIS NOW TO A BUREAU THAT HAS FRIVIOULOUSLY HANDLED DISPUTES AND MILLIONS OF AMERICANS PERSONAL INFORMATION. ONCE I FOUND OUT THAT MY SOCIAL SECURITY NUMBER WAS INCORRECT I IMMEDIATELY CALLED TALKED A REPRESENTATIVE AT EQUIFAX THAT STATED IN ORDER FOR ME TO GET MY FULL CREDIT REPORT I MUST FAX OVER MY W2 TO PROVE WHO I AM. 
HELLO WHAT THE XXXX IS A COPY OF MY LICENSE AND SOCIAL SECURTIY CARD FOR? I'M LOST FOR WORDS AND SOMETHING NEEDS TO BE DONE ABOUT THESE BUREAUS MIXING UP PEOPLES INFORMATION AND REPORTING INACCURATELY TO SELL OUR INFORMATION TO MAKE A PROFIT OFF OF. I UNDERSTAND THE GAME THE BUREAUS PLAY WITH THE LENDERS AND CREDITORS, BUT AS A CONSUMER I HAVE MY RIGHTS. WHY WILL I FORK OVER MY W2 TO A BUREAU THAT HAS BEEN COMPROMISED. I THINK NOT. MY IDENTITY HAS ALREADY BEEN STOLEN IM TRYING TO REPAIR IT NOW WITH ALL THESE SCAMS GOING ON IN TODAY 'S WORLD WHO CAN YOU TRUST.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-18
Company: Capstone Credit & Collection, LLC.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
my complaint is a bout ''CAPSTONE CREDIT COLLECTION LLC" trying to collect a debt that is past due and legally past the statues of limitations to e, also the 3 credit bureaus want tell me how the account was verified.In North Carolina, Section 1-52.1 of North Carolina Rules of Civil Procedure Explains the statue of limitations for debts is 3 years for auto and installment loans, promissory notes and credit cards, Also there wasn’t any proof of the debt sent to me showing how it was verified. I'm having problems having this debt removed under the laws of the FCRA that states if the account is unverifiable it most be removed from all 3 credit bureaus this account is really effecting my future plans for me and my family please help me address this company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX,Account number XXXX  UnverifiableCAPSTONE CREDIT SERV XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX

(XXXX) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10
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: Unexpected increase in interest rate

Complaint:
Since XX/XX/2018 I have been in contact with customer service from Capital One regarding my 0 % Introductory APR for my Venture credit card. Even though this was promised I never got the this offer. Thus far until yesterday, XX/XX/XXXX, I have tried a total of 5 times to resolve this issue but have been denied my request due to insufficient documentation. All document in my possession, including the proof this as offered to my was sent to the company. According to them they never received my first correspondence that included the original welcome letter which stated the 0 % Introductory APR. When asked to reprint the welcome letter, which includes the 0 % Introductory APR, the supervisor said they only print it once and to her knowledge she had no idea why the company does this nor they keep these kind of records. She suggested that thus far I have not further disputable rights and the next step would be to dispute this at a corporative level. No further information was provided to resolve this issue. 

Please let me know what could be my next steps. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: EQUIFAX, 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:
Im submitting this complaint against XXXX  Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous XXXX  and XXXX  distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06
Company: N.A.R., Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Company is extremely harassing ; This debt should n't even still be on my credit as I have already cleared this up in early XXXX - I do n't understand how a hospital can just take your money and act like you NOW owe a seperate agency. Something is definitely wrong with these two companies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-22
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had a XXXX year XXXX XXXX with an apartment complex called XXXX XXXX XXXX. 60 days prior to my lease ending, I gave them a 60 days notice, and continued to pay my for the final month which was in XX/XX/XXXX of XX/XX/XXXX. They are claiming I owe them 2 month Rent plus Interest? THAT'S IMPOSSIBLE, when my lease didn't end till XX/XX/XXXX and it was paid in XX/XX/XXXX and they were fully aware. When I saw this and called the Leasing Office, management told me my files were lost because after a new company took over, and I needed to contact HUNTER WARFIELD INC to dispute, I've called the collection agency and has been disputing this for almost 3 years now.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-22
Company: Credit Karma, LLC
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 is missing that should be on the report

Complaint:
CREDIT KARMA HAS MY OLD ADDRESSS LISTED IN MY PERSONAL INFORMATION PROFILE AND IVE RECENTL used XXXX to take advantage of my free addresss change and for my XXXX address change since we are moving soon. Credit karma will not allow me to iMMEDIATELY change mt address on file and i jave JUST applied for XXXX XXXX  XXXX credit cards.today is sunday XX/XX/XXXX and i applied for XXXX XXXX XXXX credit cards yesterday on saturday XX/XX/XXXX online using the " Recommendation '' portion of the website while logged into my account. My concerns are my identity will be compromised and/or my credit card information will be stolen. Also another MAJOR problem is XXXX vehicles are reported or shown as my vehicles on credit KARMA but they are NOT. I removed them becuase i am NOT the rightful owner.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XXXX XX/XX/2019 I ordered a 10 '' Full Touch Screen Dual lens Mirror Dash Cam for teenager car from XXXX XXXX. I received a cheaper 4.3 '' unit with single lens on XX/XX/2019. I immediately contacted the merchant by email on XX/XX/2019 and then again on XX/XX/2019 that the wrong unit was sent. I never received a response. I contacted CaptialOne once I was not going to have a resolution from merchant. I received a letter this week from CapitalOne that they are charging me back again for this wrong unit sent. They are considering the case closed now. It has been three months since the initial order. CapitalOne is not standing by their fraud prevention protection for their customer. This is clearly a bait and switch case. 
Case # XXXX with CapitalOne. At this point I want my {$59.00} returned to me as I received a bogus product.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-12
Company: Penn Credit Corporation
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
A phone number ( XXXX ) keeps calling for me asking for someone that doesn't live there and have never lived there. The name they are asking for is different from my last name. 

I have told them, the person that they are calling for doesn't live there and please stop calling. They call several times a day. This has been going on since XX/XX/XXXX and I have asked them 3 times to stop calling.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
Company: Nelnet, Inc.
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have a student loan balance of nearly {$200000.00}. Since I graduated, I have been on an Income Driven Repayment Plan and timely applied for my annual renewals. My payments under the plan have consistently been around $ 400/month. My most recent renewal was submitted on XX/XX/XXXX. On XX/XX/XXXX, I received an emails stating I have " been approved for an income-driven repayment plan... You'll receive your payment schedule... 45 days before your first payment is due. '' As of today, my next payment under the new IDR Plan schedule is XX/XX/XXXX. However, I have not received my payment schedule and it states my next payment on XX/XX/XXXX will be for over $ 2,000/month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
That Wells Fargo want let me open a bank account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10
Company: ID Analytics, 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: Information belongs to someone else

Complaint:
I have been going over my credit report trying to buy my home. I noticed accounts that I have never done business with and I do not have a contract for business with any of the companies. I was told to file a report and contact the CFPB AND FTC. The following accounts are not mine : XXXX XXXX XXXX  XXXX XXXX #  XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX , XXXX XXXX XXXX # XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10
Company: Innovis
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: Information belongs to someone else

Complaint:
I have been going over my credit report trying to buy my home. I noticed accounts that I have never done business with and I do not have a contract for business with any of the companies. I was told to file a report and contact the CFPB AND FTC. The following accounts are not mine : 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 2020-08-26
Company: Experian Information Solutions 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:
My Experian credit report is showing 2 separate collections accounts for the same thing. I have a past due account with XXXX/XXXX and they sold the debt to a third party collections agency, XXXX XXXX XXXX XXXX. However both are reporting the same thing on my report and it looks like I owe 2 separate debts which would double what I actually owe. I believe this is called double jeopardy. Please have one item removed and the company that actually owns the debt can remain and report it until it is taken care of.

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 2019-04-10
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had an impound account with XXXX XXXX. In XX/XX/2019, I was contacted by SP Servicing Company. They now have my account from XXXX XXXX. 

This is a SERVICE company in Utah. If I do not accept automatic withdrawals, I have to pay to pay. If you pay through the online service, there is a fee, if you pay over the phone there is a fee, if you pay through the website there is a fee. US postal is available but if it arrives late, I will be charged even larger fee. 

I don't want a service company. This is awful and very difficult. I have no records of anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10
Company: Hypotec Inc.
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Im getting misleading VA loan advertisements in the mail. I happen to be a XXXX  XXXX  and take offense at these deceptive practices by second tier lenders. They are targeting an at risk population ( Veterans ). Please look into this. Thank you, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 have a credit card account with Bank of America I have my payment on auto pay and they switched my due date causing my payment to be six days late and this caused me to have a late payment showing on my credit report this is stemming back to you XX/XX/2016. I contacted Bank of America and they told me that they can not correct the information as the credit bureau will allow them to. 


XX/XX/XXXX - XX/XX/2016 2016

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 2017-12-09
Company: ERC
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:
XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ENHANCED RECOVERY CO L XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me ENHANCED RECOVERY CO L XXXX Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10
Company: SYNCHRONY FINANCIAL
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:
I have a walmart master card with a balance of XXXX. I call the company today customer service to see if they would lower my APR rate Im paying 25.15 %. 

I havent used this card in over a year and been playing {$200.00}. a month never late or missed a payment,, They told me theres nothing they can do for me since i open this card with this APR which is a lie cause my statement from back in 2018 was 24.15 % I honestly dont know what my APR was when i open this card cause i used to have just walmart but they close that and update the card to walmart mastercard. 

I dont get paper just online so i dont look i just pay All they would offer me was if i spend between $ XXXX {$290.00} then i could get 12 months free interest. I said Im trying to pay this off not ADD. I think this is XXXX   XXXX. 
I a good loyal customer. 

paying {$200.00} a month not even making a dent and the payment they keep asking is never the same One month it can be lower and next higher which doesnt make sense either

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 2018-04-22
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I'm asking the CFPB to obtain a copy of Wells Fargo 's mortgage contract between XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, and Wells Fargo Home Mortgages XXXX XXXX XXXX XXXX XXXX IA XXXX Their attorney sent XXXX XXXX a draft of a contract that did not meet Federal criteria. I sent this document to one of 13 Federal Handwriting Examiners, and this document failed. It was not XXXX XXXX signature. It was a signature retrieved from XXXX. It was a digital signature. It was a copied signature. It was not a blue or blue-black ink signature. Wells Fargo continues to state they have a signed contract. They do not. Their attorney is XXXX XXXX of XXXX Law Firm in XXXX XXXX, Iowa. You are being asked to get from Wells Fargo the legitimate signature stated they have. I've been trying for 10 years. This is the last request before court. 
XXXX XXXX Cell : ( XXXX ) XXXX Email : XXXX Mailing Address : XXXX XXXX XXXX, XXXX XXXX, Illinois 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 2017-12-01
Company: National Processing Group LLC
State: CO
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:
XXXX Inquiry from XX/XX/XXXX - Misc. 
This inquiry could stay on my report until XX/XX/XXXX. 

XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX The above information was found on my credit report regarding a company I do NOT recognize. They made a hard inquiry on my credit somehow and I want it removed immediately.

Company response to consumer: Untimely response