BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-25
Company: EQUIFAX, INC.
State: GA
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:
In XX/XX/2021 the account was paid and agency stated the item would be updated and removed within 30 days from final payment. On all my reports the account is still there and showing an amount owed when this account has been paid and should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: EQUIFAX, INC.
State: GA
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 RECENTLY OBTAINED A COPY OF MY CREDIT REPORT. THERE WERE ACCOUNTS AND INQUIRIES THAT DO NOT BELONG TO ME. THESE FRAUDULENT ACCOUNTS ARE CAUSING ME UNNECESSARY HARDSHIP. PLEASE INVESTIGATE THESE ACCOUNTS AND SEND ME AN UPDATED COPY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On or about XX/XX/2022, Capital One NA took down its Rewards Mileage Transfers. No notice was provided or emailed to customers and upon needing to make a mileage rewards transfer I quickly learned through Social Media and Travel Blogs I would be unable to make the transfer and that Capital One was not sending out notices and only responding on Private Direct Messages that their system was undergoing maintenance. 

Capital One NA charges 'significant ' annual fees for the purposes of using its rewards credit cards and the lack of honest notification to consumers and removing a benefit for weeks without notice is unacceptable. 

Maintenance is a planned issue, if this was actually a planned service Consumers should have been sent notice of a significant period of down time so they could plan to use their rewards points before the system was taken down. Capital One NA has not been forthright in its response to consumers and has intentionally misled consumers by removing this benefit with no notice for an unspecified period of time under the guise of maintenance.

Upon contacting Capital One NA their only response is that the system is currently under maintenance and no known up time was provided.

Had Capital One NA been honest with its customers and stated that some unexpected issue had a occurred that caused the system to be taken down for emergency maintenance I believe many of us would be understanding, however, Capital One NA has continued to intentionally mislead consumers and causing concerns as well that Capital One NA may have suffered a breach of its systems as the reason for the mileage transfer and rewards system to be taken offline with no notice for an extended period of time.

Capital One NA intentionally has misled consumers by not providing notification of the emergency maintenance in hopes only a small percentage of customers were aware of the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21
Company: Ocwen Financial Corporation
State: OR
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
During the months of XX/XX/XXXX/XX/XX/XXXX. We received a letter from XXXX XXXX sending a demand for payment on the second mortgage loan that was charged off in XX/XX/XXXX. The letter referenced XXXX XXXX was collecting the debt for PHH mortgage company who was listed as the servicer for the loan. 
Since XXXX couldn't provide any documentation that actually provided that PHH Mortgage was the actual servicer of the second mortgage loan, I ask for additional information from XXXX. 

On XX/XX/XXXX I received an email from XXXX and they reference they were in receipt of my dispute with them and they wouldn't be providing any more written correspondence or documents. See a copy of the attached email from XXXX. 
I kept requesting and no information was provided by XXXX. 

On XX/XX/XXXX, I received a demand letter from XXXX and they continued to reference PHH mortgage as the client they are collecting the debt. see attached letter. 

So on XX/XX/XXXX, I send a QWR to PHH mortgage which outlined my request to confirm they actually were the servicer for the second mortgage. Please find a copy of the QWR request. As of XX/XX/XXXX. No response. Please find attached the receipt of the OWR and when it was signed for by PHH Mortgage.USPS certified letter was delivered. 

On XX/XX/XXXX I received an email from PHH Mortgage Corporation asking me and XXXX XXXX, to provide the following : A copy of the title report showing the lien is outstanding and also the following information. 
Please also provide copies of the recorded Mortgage, Assignments and any payoff information you may have, such as a copy of the payoff statement and/or the HUD1 Settlement Statement. This will help with locating the account in our records. 

This last request was very upsetting since if in fact, PHH mortgage was actually our servicer, wouldn't in fact, they should already have this information in their system? Please find attached a copy of my XXXX account that references this email.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
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:
Hi, please help me with my concern. I saw BANK OF AMERICA on my credit report and I have late payments ( XXXX 2014 ) in my payment history, but they did not send any proof to me ... I repeatedly asked for it because I don't remember being late on this. Please help me.

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 2019-10-29
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX, my wfie and I mailed letters to Equifax, XXXX, and XXXX XXXX ; asking them to investigate errors on our credit report. According to credit reporting law, they were supposed to investigate the errors, and respond to us with the results of our investigations within 30 days. The 30 day period expired back on XX/XX/XXXX, and we have still not seen any responses from any of the three bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 60 days past due as of XX/XX/XXXX to XX/XX/XXXX 30 days past due as of XX/XX/XXXX, XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

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 2017-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
I paid the XXXX Collections third-party half of the balance owed to XXXX and I paid the remainder of the balance in full directly to XXXX back in XXXX 2017 and on all ( 3 ) Credit reports I am seeing Paid in Settlement when it should reflect a status of : Paid ; Closed!!!!!!!!!!!!!! I am seeking Assistance regarding this matter with getting XXXX, XXXX and Transunion to accurately reflect the account status o my Credit Reports!!!!

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 2020-10-27
Company: Experian Information Solutions Inc.
State: GA
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:
The following accounts are not mines, unauthorized and unknown to me. These accounts are a work of a fraudster. My identity has been stolen and highly compromised, therefore I'm demanding that these accounts be removed immediately. 

1 ) XXXX  {$1000.00} 2 ) XXXX XXXX {$300.00} 3 ) XXXX  {$790.00} 4 ) XXXX  {$500.00} 5 ( XXXX  {$500.00} 6 ) XXXX XXXX {$790.00} 7 ) XXXX XXXX {$790.00} 7 ) XXXX XXXX {$470.00} 8 ) XXXX XXXX {$310.00} 8 ) XXXX XXXXl {$730.00} 9 ) XXXX XXXX {$160.00} 10 ) XXXX XXXX {$110.00} 11 ) XXXX XXXX {$60.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
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:
When I saw my credit report, I notice that there are some inaccuracy on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-23
Company: Experian Information Solutions Inc.
State: OR
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:
Although I had experienced identity theft, and had been communicating with XXXX XXXX and have been unable to successfully come to a common ground. Rather, they just keep saying the account has been verified and have not taken time to respond with anything other than that. I realize that these companies make money from making bad reports and this is not fair to my family and I especially at this time.

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 2018-02-27
Company: I.C. System, Inc.
State: MD
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:
I pulled my credit report and at that time i noticed that this company is reporting debt that I do not believe to be mine or that is too old to be reported. I contacted the company and the credit reporting agency yo have the information validated. I have received no communications from creditor regarding account. They are reporting negative information on my credit report which does not belong.

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 2020-05-26
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Because of fraudulent Black market activity on my credit, all XXXX bureaus have put a one year Fraud alert on my credit. I have never lived at any of these addresses below that's showing on my credit report XXXX XXXX XXXX, XXXX, CA  XXXX XX/XX/2018 XXXX XXXX XXXX XXXX, XXXX, VA  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 2020-05-19
Company: Asset Management Outsourcing, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid all of my debts on XX/XX/2020 and sent receipts of my debt paid and as of today-the collection agency reported on my credit report that I haven't paid it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: Square Inc
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I am a small business owner who often would receive payments through cash app. On XX/XX/XXXX after rendering services to a client, I gave her my cash app details for payment, she tells me the cash tag i had given her was invalid. I was in awe and told her that wasn't accurate. I quickly went on my cash app to log in but was asked for all my personal information which I put in and the system created me a new account. My account balance of {$500.00} was swooped and I have nothing. I reached out yo support and they are telling me that I can not gain access to my old account due to security reasons. I emailed back asking for my money that I had in my account, I truly don't care too much for the old account, I just want my {$500.00} but no one i spoke to was able to tell me what is going on. That is the last money I've got in the entire world and cash app has stolen it and can not even tell me why. I would keep talking about this till the right person hears it. How can I survive this? I feel like I am living my worst nightmare.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
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 tried disputing with Portfolio Recovery Associates so many times and I keep asking for proof of the original signed documentation from the original creditor bearing my signature and they yet to applied with my request, they just keep sending a letter with the there information saying that they have the right to contact me because the account has been sold to them. Section 609 says I can request the original signed copy of the credit application. I do not recall accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16
Company: Receivable Solutions Specialist, 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:
I request validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to ; For the purpose of validation provide me with : The name and address of the original creditor. The original date of default or non-payment of the debt with original creditor. The date the debt was transferred from the original creditor to the third party debt collector. The original balance. The current balance. Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ). Texas Surety bond information as required by Sec. 392.101 - my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ).

Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ). Regards.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: Assured Financial Partners
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
i dont recognize this debt and have asked for original written documentation between the parties. They have continued to threaten by saying they are going to sue me and then they disconnect call, when im trying to get there physical address. One of the reps name XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I have NEVER done business with this company ever nor the company it states it originates from. I have reached out to both and customer was rude and hung up on me as I tried to explain the truth them

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 2020-05-19
Company: AMERICAN EXPRESS COMPANY
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem with direct deposit

Complaint:
My unemployment was deposited on XX/XX/2020 and about 5 minutes after I received the email stating it was deposited into my account I tried going online to check my total balance. I was blocked from logging in and resetting my password. I called immediately and was placed on hold for two hours! I get transferred to a fraud/services department all they can tell me is that my direct deposit was returned and it was a violation of their rules and I should receive an email. I email was sent. They wont confirm that my money is safe and if everything is still in my account. I cant check my balance and every last dime I had is in that account and I have no access to it. I was told to just write their P.O. Box and wait until they respond! My son is dependent on medicine and I buy it weekly! Not having access to my account and money is detrimental for us! If something happens to my son since I cant access any of my money the. Ill be forced to sue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
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:
Capital One Platinum and Capital one quicksilver charged interest on {$0.00} balance. The rep said had I paid off balance before XX/XX/2020 it would not have charged interest. I paid balance off on XX/XX/2020 10 day before the statement was even available. The amounts charged on XXXX balance were {$46.00} and {$17.00}. I have since closed my accounts because I did not want to risk being charged interest on interest charges. Both of these cards did not have a monthly or annual fee. I would just like the money back that is not legally owed to them for a XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: Bridgecrest Acceptance Corporation
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 information incorrect

Complaint:
I have paid off my vehicle loan last month in full and Bridgecrest updated my credit report to show that it was paid in full and closed. For some reason they have decided to reopen the account and show a balance still due which has caused my credit score to tank. When I tried to submit a dispute through XXXX they have denied my request for an update saying it was being reported correctly as open and a balance due even though that is factually incorrect.

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 2020-05-28
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: Was not notified of investigation status or results

Complaint:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, Original Creditor, Original Creditor, Original Creditor, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXXXXXX    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