BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-22
Company: FirstPoint Collection Resources
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2019 I was contacted back by 1st Point Collection Agency concerning Complaint # XXXX which outlined to send more info which was last 4 of ssn. On XX/XX/XXXX I mailed copy of my ssn and NC State ID to 1st Point Collection Agency. As of XX/XX/XXXX I have not had any contact with the collection agency. I contacted Consumer Financial Protection Bureau and was advised to start another complaint concerning that 1st Collection Agency has not responded to my previous complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: EQUIFAX, INC.
State: FL
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:
XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) POB XXXX XXXX FL XXXX Phone : XXXX They are reporting the incorrect account type and incorrect account status I have reached out to all 3 credit bureaus as well as the collection company and they are clearly in breach of metro 2 by reporting a collection account as an installment account when metro 2 clearly states it has to be listed as open. I also do not know if this account is reporting as opened or closed because it is inconsistent two credit bureaus say the account is closed and the other claimed it is opened. How can that be if they are coming from the same source? They have all verified this account as accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: CAPITAL ONE FINANCIAL CORPORATION
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 belongs to someone else

Complaint:
OnXX/XX/XXXX, I received an alert that someone attempted to apply for Capital One credit using my information. 

I called and notified Capital One that the application was fraudulent and wasn't me. 

On XX/XX/2021, I also filed a complaint with the Consumer Financial Protection Bureau. Complaint ID is XXXX. 

Capital One opened a case : XXXX to investigate the complaint. CFPB case number : XXXX. In the meantime, I placed a fraud alert with all three credit bureaus. 

However, on XX/XX/2021, another hard inquiry was placed by Capital One for a credit card. Capital One failed to regard the fraud alert I placed with all three credit bureaus. I was never notified by Capital One nor did I authorize the first or second application attempt. Once again, this hard inquiry is negatively impacting my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-17
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: Old information reappears or never goes away

Complaint:
Mortgage was closed 9 years ago and is still reporting on my credit report.

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 2018-09-21
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Somebody cashed a fake check worth {$2900.00} in the XXXX XXXX T.D bank branch and immediately withdrew the funds. I submitted a fraud claim with this bank, but whenever i try to inquire about the status of my claim nobody gives me a straight answer. the fact is that this is my one and only bank account which they froze because my account went into the negative because of the fake check that was cashed. My issue is with the bank taking as long as it has resolving the fraud claim. It happened in their branch the money was taken out of my account by their teller, and its obvious just by looking at my bank statement that i was nowhere near XXXX XXXX Florida the day the fraud occurred. this should have been a simple resolution yet T.D bank does nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
Company: EQUIFAX, INC.
State: AR
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:
For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts that have been open or are open. Please remove these accounts from my report as soon as possible. They do not belong to me. XXXX XXXX {$15000.00} XXXX  XXXX  XXXX {$130.00} CHAPTER XXXX BANKRUPTCY DISMISSED {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
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 non-monetary relief
Consumer complaint received 2023-04-04
Company: EQUIFAX, INC.
State: NC
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:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25
Company: Chime Financial Inc
State: MO
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I'm currently Banking with Chime & for some how some way. Someone enter into account & was able to change my information & used my Checking Account. Im still in shocked as how to they bypass a Banking Institution security. I've contacted the Bank immediately. Still no reply for their support team. All my funds are gone. I can't use my card no more. I can't login into my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I had a credit card with BANK OF AMERICA and I've been consistently been charged excessive interest rates on the card which I've complained about on numerous occasions. 
Now, I'm facing a severe economic and financial hardship due to covid19 and I've tried to resolve the matter with BOA, but they've been most uncooperative in the matter. BOA is engaging in predatory lending practices which are unethical and egregious practices and must be investigated immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-25
Company: Global Lending Services LLC
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: Account information incorrect

Complaint:
so I affected by covi I was out of work and struggling to make payments but I lost job due to covid I just want these removed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: NCB Management Services 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: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Capital one closed my card due to the BANK RETURNING THE PAYMENT BECAUSE THEY THOUGHT IT WAS FRAUD!!! I told them this months ago when I had two returned payments and no one warned me at all that on the third return payment they would close it. I can provide proof that it wasnt my fault! Ive never missed a payment on this account ever! I either want. New card opened or I want my money back. I live alone and Im a single parent I cant afford to just lose that money! I cant believe they treat their customers like this smh

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: Tate and Kirlin Assoc
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was contacted by Tate and Kirkin Associates, INC XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX PA XXXX BY PHONE AND MAIL. 
I wrote and explained to them sending them proof that I DO NOT OWN XX/XX/XXXXANY MONEY.. I showed proof that they had to return money to me.. This is the second collection agency that XXXX has sent after me for money I do not owe. On top of that I showed proof I am on welfare and that XXXX XXXX XXXX is wrong for saying I owe this money. please help me to stop them from threatening and bothering me XXXX XXXX SENDING collection agencies after me..There address isXX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX My name is XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX NY XXXX PLEASE PLEASE PLEASE HELP ME How do I stopXX/XX/XXXX FROM KEEP SENDING CREDIT AGENCIES AFTER ME. 
And how do I stop TATE AND KIRLIN ASSOCIATES FROM HARNESSING ME?? 

THANK YOU FOR YOUR TIME AND SUPPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
Company: TD BANK US HOLDING COMPANY
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 have applied for 2  Mortgages and I have got denied on both due to remarks on my credit report XXXX XXXX and XXXX! I had a medical collection account sold to XXXX XXXX XXXX for 2 of the medical bills I am not disputing I owed this bill I am disputing in the notes on my Credit report it states Included in Receivership and included in bankruptcy! 2 account on XXXX and 1 on XXXX XXXX! I have spent the last 6 months disputing and re disputing and the keep coming back saying accurate! The remarks and notes are inaccurate I have never had a bankruptcy and these notes are causing my financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17
Company: NAVY FEDERAL CREDIT UNION
State: OR
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:
Navy federal Credit union has been reporting for almost 2 years the following account : XXXX, {$500.00} credit limit, {$270.00} Delinquent Balance, open XX/XX/2013. I'm listed as an authorize user, on my XXXX  Credit report. It has been verified as my account for about a year, when I finally contacted Navy fcu, on XX/XX/XXXX, and spoke to XXXX. The had difficulty locating the account ( I do not have any open accounts ), and ask me quite a bit of my personal information which I didn't feel comfortable giving. They informed me its not my account, I'm listed as authorize user, and that I had to submit a fraud Claim with them to get it remove from XXXX. XXXX informed me they would contact me after they complete a 90 day investigation. No correspondence whatsoever, and they continue to verify it when I dispute it. Even worse in XX/XX/XXXX or XX/XX/XXXX of this year, they made the late payment history more extensive, by literally adding an extra year of late payments which cause my score to drop a 100 points. They are directly responsible for me not being able to use my credit, and only getting approved for {$1000.00} limit credit card. This is abuse of reporting at its finest, and worst of all XXXX  constantly refused to delete this item, even when I clearly showed them it was not mine and what they did.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-08
Company: Navient Solutions, LLC.
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Navient services my Federal Student Loans. In XX/XX/XXXX the Federal Government with the CARES act stated that Federal Student Loans could be in deferment until XXXX of XXXX and not accrue any interest. I called Navient and stated I wanted to take advantage of this as I had some other large loans to pay back and my husband was out of work due to COVID. The informed me that I was eligible and that their would be no interest added to my loan from XXXX to XXXX. Then I read that this would be continued until the end of the year. Navient was already sending me notice that I was behind in my payments as of XX/XX/XXXX so I called them and they told me I could go into Forbearance but interest was accruing on my loan and it had been since I put it in Forbearance in XXXX. I informed them that I understood and the Navient CS person stated in XXXX that I would not be charged interest. The Navient CS today stated that my loan is not owned by the Education Department and only Education Department Loans were entitled to this so they are putting another whopping amount of interest on this loan. My loans started out at {$61000.00} in XXXX and today after making many payment are at {$68000.00}. I am 2 years from retirement and they just continue to go up. I understand that I took this money out years ago to try and better my life and the my kids life and it did provide me a better job, but I have paid so much in already, which Navient only shows what I've paid since XXXX and I own more and more all the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
Company: EQUIFAX, INC.
State: VA
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: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: DISCOVER BANK
State: MD
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:
The credit card company Discover card, will not remove late payment history mark. I setup automatic payments, and they will not admit the error was on their part. I never canceled automatic payments, because I am a service member, and deploy often. I have called and talk with numerous people. However, they will not remove. I was deployed from XX/XX/XXXX - XX/XX/XXXX. They reported a late payment in XXXX and will not remove, due to an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My girlfriend is XXXX and recently had XXXX my son recently left for the XXXX and I was recently laid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21
Company: Riverwalk Financial Corporation
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received notice from my online credit report monitoring that two accounts from XXXX XXXX XXXX had been added to my credit report. XXXX XXXX XXXX the FACTA section 623 ( A ) ( 7 ). They did not notify me by mail before placing a negative item on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/2020, I got approved for the Bank of America Travel Rewards credit card. There was a XXXX welcome bonus and the associate told me that I would get it. The conditions were to spend {$1000.00} in the first 90 days, which I did. I never got an email about my bonus and when I called multiple times, they gave me misleading information. One call center person said that I first had to earn {$25.00} in rewards to redeem my bonus. When I recently got to {$25.00} in rewards, I called them. They said they would open an investigation but I never heard back from them. I want my XXXX bonus since it was a big reason for getting this card. I am very upset.

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 2020-10-25
Company: Experian Information Solutions Inc.
State: NC
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: Was not notified of investigation status or results

Complaint:
I am filing this complaint because Experian, XXXX and XXXX   have ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA- they are require to '' ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this matter as soon as possible. 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 2017-08-04
Company: Resurgent Capital Services L.P.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
year:XX/XX/XXXX amount : {$2100.00} with Pinnacle LLC C/O resurgent capital service.
on that year I had checking Acct with XXXX XXXX XXXX. I deposit {$2000.00} check from I got from employer and 3days later I went to bank to confirm deposit and teller said cleared so I cashed out, while after I completed move out to other state. I did not contact from bank at all what happen. XX/XX/XXXXI went to XXXX XXXX XXXX XXXX and I found out I 'm not able to open checking account with check system record. So I called to XXXX XXXX XXXX acct department trying to know what happen, deposit was bounced. I asked, can I pay for it now for open acct? said, not sure because they issued XXXX to me and it does n't matter pay or not. I asked, so I can handle with IRS? said, yes. so I cleared with IRS last tax report. I did what ever they said but still they block to unable to open checking acct. I trying to pay back but bank wo n't accept and I paid for tax above amount. At this time I 'm getting so hard time to living without account. carrying cash for spend. I believed, someway to solved, just made painful and hard time is not the way of live as US citizen.
I really wish to way to solved this matter soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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: Was not notified of investigation status or results

Complaint:
I am filing this complaint because XXXX, Transunion, and XXXX   have ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA- they are require to '' ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this matter as soon as possible. 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 2018-01-23
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX is who I am disputing. 

They never verified anything nor have they sent me any documents stating how I owed this debt or how I am legally bound by it? 

Here is the information : XXXX XXXX XXXX XXXX XXXX XXXX, WA 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