BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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: Investigation took more than 30 days

Complaint:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have 9 accounts that are not mine I have disputed these accounts with the bureaus and I have not heard anything back. Since XX/XX/2020 I have sent out multiple disputes and still nothing. I need to have these taken care of since this is identity theft and I don't need some random accounts on my credit. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  CARD Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have 9 accounts that are not mine I have disputed these accounts with the bureaus and I have not heard anything back. Since XX/XX/2020 I have sent out multiple disputes and still nothing. I need to have these taken care of since this is identity theft and I don't need some random accounts on my credit. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX  Account Name : XXXX CARD Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : 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 2017-09-24
Company: ProCollect, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This complaint is to inform you that I recently received a copy of my credit report from XXXX, XXXX and XXXX, that publishes information that Pro Collect Inc reports on my credit file and after reviewing it I found a number of items on the report that are inaccurate. The original creditor which was XXXX XXXX XXXX sold this debt to Pro Collect Inc ( a collection agency ), XXXX XXXX XXXX also wrote off this debt in the amount of {$3000.00} and {$560.00} on their taxes which wrote off my obligation to pay. The original contract between XXXX XXXX XXXX homes and myself was cancelled. I have no obligation and no contract with Pro Collect. Please remove this debt from my credit file.By publishing these inaccurate and unverified items on my credit report you are damaging my reputation and credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: Experian Information Solutions Inc.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I sent a letter to XXXX  asking for : 1.Validation of the debt-that is, the actual accounting.

However, according to 15 usc 1692e, is usc 1692d, and 15 usc 1692B. 
Not use any language or symbol or any envelope or in the contents of any communication effected. By the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt.

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 2021-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 mailed out letters via certified mail requesting that the company verify the alleged debt and inaccurate information on my report. The USPS tracking showed the letters were delivered on XX/XX/2020 and then follow up letters were mailed and delivered on XX/XX/2020, XX/XX/2020 XXXX, XX/XX/2020, XX/XX/2020 and XX/XX/2020. It has been more than 210 days and I have neither received any updates nor have I heard of any investigation being conducted. Per the FCRA, the company has 30 days to complete their investigations and here we are more than 200 days later and not only are the inaccuracies still reporting on my report, they aren't even under investigation. The multiple sets of letters have been disregarded and my rights have been violated. I'm contemplating legal action as the next step if this warning does not show how serious I am about my disputes.

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 2021-01-22
Company: F.H. Cann & Associates, Inc.
State: LA
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:
Upon pulling my credit report, I noticed that The US Department of Education reported two accounts in the amount of {$5800.00} and {$3500.00}. I asked them for proof of verification and to remove the account for inaccuracies, but I did not get either request fulfilled. These are the inaccuracies that I reported : -The payment history from my XXXX  report shows that I was on time in XX/XX/XXXX, but 120 days late a month later in XXXX. That is logically and statistically impossible. 

-My XXXX  report is incomplete and they have completely removed the payment history instead of removing the account as requested. 

- My XXXX  report is inaccurate and the data doesn't have the same information as XXXX. 

-On the Department of Edu website it states that a payment was made in XXXX of XXXX, but I never paid anything to them or knew anything about this account until I pulled my credit report in XXXX of XXXX. 

They state that the student loan was assigned to them by XXXX but the data from XXXX showed late payments in XXXX while The US Department of Education states everything was on time that year on my XXXX  report. How is this even possible or allowed to come back as being verified if their information doesn't match the original creditor, XXXX?! 

This violates the FCRA and I need this account remove promptly as it is not a clear representation of my creditworthiness. I have attached the files to show proof of the inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01
Company: CL Holdings LLC
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I keep receiving the call from XXXX XXXX ( XXXX ) as scam call of debt collection. I don't have any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
The website will not allow me to make payments. Every time I try I get an error alerting me that the option is n't available at this time. I first contacted Capital One in XXXX regarding this error and they had no solution except to make payments over the phone. Up until that date I had made the payment every XXXX of the month without exception. I was forced to make a payment over the phone on XXXX on the XXXX and was charged a late fee. The rep assured me the problem would be fixed soon and removed the late fee. For XXXX and XXXX I again had to make the payment over the phone because the online system is still not working. For the XXXX payment I attempted to make the payment online and was denied that service again so I went to make the payment over the phone. What Capital One failed to disclose prior to that phone call is that any payment made by phone after XXXX would not count as same day but would be posted next day and I would be subject to a late payment even though I made the payment at XXXX and was forced to do so because their online system was still broken. It is XX/XX/XXXX and they have in fact charged me a {$35.00} dollar late fee. I have attempted to contact their customer service centers multiple times but they always say there is a 3 minute wait and I end up waiting for more than 30 minutes and getting disconnected. My last 3 attempts to contact Capital One have resulted in holding 30+ minutes and getting disconnected. 

I have attached a picture of the error I receive and of my payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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: Problem with personal statement of dispute

Complaint:
Upon pulling my credit report, I noticed that XXXX reported two accounts that I have no knowledge of with the amount of {$5800.00} and {$3500.00}. I asked them for proof of verification and to remove the account for inaccuracies. I did not get either request fulfilled. The account was removed from my XXXX  report but still remains on my XXXX  and TransUnion with payment history inaccuracies. The payment history states that I was on time in XX/XX/XXXX, but 90 days late the following month, in XXXX. Also, from XX/XX/XXXX to XX/XX/XXXX it states that I'm 120 days late each month. How is this even possible or allowed to come back as being accurate?! This violates the FCRA and I need this account remove promptly as it is not a clear representation of my creditworthiness. I have attached the files to show proof of the inaccuracies.

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 2018-10-12
Company: ASTA FUNDING INC.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Based on complaint : # XXXX XXXX claims debt originates from XXXXXXXX XXXX. 

XX/XX/2018 - XXXX XXXX - I contacted XXXX XXXX / XXXX - ( XXXX ) XXXX and they did not have any records of me every having an account. 

They transferred me to the department that handles charge-offs and selling accounts - XXXX XXXX XXXX XXXX and they have no record associated with my social security number. 

They recommended I contact XXXX XXXX. 

XX/XX/2018 - XXXX XXXX - I contacted XXXX XXXX - XXXX ( XXXX ) XXXX and they only found two accounts ( current ) having ever been opened under my social security number. 

XX/XX/2018 - XXXX XXXX - I contacted XXXX XXXX XXXX - XXXX XXXX XXXX XXXX to discuss the above and they have been told to no longer discuss this account because I filed a complaint and the complaint department will be handling this. I requested to speak to the manager and was transferred to the voicemail of XXXX, out until Monday. I identified myself by name and social security number and advised of the above and that the Proof of Debt Validation letter has arrived and that I would be awaiting a response. 

It has been 14 days since my wages have been garnished for a debt that is not mine. 

CC : Virginia Attorney General XXXX XXXX Office of the Attorney General XXXX XXXX XXXX XXXX XXXX, Virginia XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: EQUIFAX, INC.
State: IL
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:
To who this letter my concern my name is XXXX XXXX I have contacted XXXX XXXX and Equifax LLC credit bureaus both mail and by phone after I applied for a mortgage XXXX and discovered inquiries on my credit report that did not belong and never seen before after sending 609 letter to validate I have not received any answers. This matter is urgent. These are the only items that should be accurately reporting below!! All other inquiries need to be removed immediately! 


These lenders have accessed your credit file : USDA-FSA Federal Government Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX I Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX Sales Financing Company Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX I Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX Department And Variety Stores - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Bulk Purchase Finance - General Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX US SM BUS ADMIN ODA Federal Government Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: TRUIST FINANCIAL CORPORATION
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have not as yet received my annual property tax check from BB & T dba Truist. 
Normally I receive the check in the third week of XXXX. This has been the case since XXXX. No check has been forthcoming for XXXX. My property taxes are due nlt XX/XX/XXXX. 
I called BB & T/Trusit just before Christmas XXXX and was told the check would be mailed that week. 
On XX/XX/XXXX no check had arrived so I called again. I was told that the check had been mailed but would be cancelled and a new check mailed. 
On XX/XX/XXXX no check had arrived and I again called BB & T/Trusit. I spoke to customer service agent XXXX and was informed that again the check would be cancelled and a new one mailed. 
On XX/XX/XXXX still no check had arrived and I called again. I spoke to customer service agent XXXX who informed me that a request to cancel the check had been placed in BB & T/Trusit 's system on XX/XX/XXXX, had been actioned on XX/XX/XXXX and that the check had been mailed directly to the local municipality. I informed XXXX that was not the usual process, that the check was normally mailed directly to my home address and then I would then pay the property taxes myself. I further explained that the check provided by BB & T/Truist rarely met the property tax bill and that I would pay the remainder out of pocket at that time. Sending the check directly to the municipality would probably not meet the bill and leave me in arrears. I asked to speak to BB & T/Truist 's tax department but was told that was not permitted. She placed me on hold while she escalated the matter to her supervisor. After being on hold for 17 minutes she advised me that her supervisor was not available and would call me later on XX/XX/XXXX. No call was received from any supervisor. 
On XX/XX/XXXX I again called BB & T/Truist and spoke to customer service agent XXXX. I went through the whole matter again with her. She placed me on hold while she escalated the matter to her supervisor. After being on hold for approx. 12 minutes she advised me that no supervisor was available as they were all in meetings. She offered to have her supervisor call me later this date. I requested that she do so but also explained that I was submitting this complaint to CFPB, HUD and any other government mortgage regulatory agency I could find. Having heard that XXXX asked me to repeat which bodies I intended to submit my complaint and I obliged her. 
I would respectfully request that this matter be investigated and that any results be shared with me. Thank you in advance for any assistance.

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 2021-04-29
Company: LEXISNEXIS
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: Personal information incorrect

Complaint:
I don't know how to go about getting this corrected so I was told to file a complaint if things on my credit were incorrect. My name is XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX OH XXXX. My DOB XXXX My SS # XXXX. 
I found an incorrect spelling of my name ( XXXX XXXX ) not name please delete it. I was looking further into my file I found addresses that I never lived at. Please delete the following unknown addresses : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX CT XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13
Company: AMERICAN EXPRESS COMPANY
State: TN
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:
I opened an Amex Gold card account in XX/XX/XXXX. One of the advertised benefits is a {$100.00} airline credit, payable against charges including flight change fees. 

In XX/XX/XXXX I was offered the opportunity to upgrade to a Platinum card. I did so. In doing so I was promised a {$200.00} credit for airline incidentals. This reminded me of the {$100.00} I had been promised for incidentals on the Gold card. 

During XX/XX/XXXX I incurred at least two flight change fees, which Amex lists as eligible charges for the purpose of their airline incidentals credit. However, I could not see any credit for {$100.00}, or any other amount. I have attached an email showing one of the flight change fees of {$450.00}, which was incurred on XX/XX/XXXX. There was also an additional fare collection, thus the total amount charged was {$490.00}. I have several other examples I can share. 

I brought this issue to their attention today ( XX/XX/XXXX ) and was told that it was too late to dispute the non-credit of {$100.00}, because it applied to XX/XX/XXXX. I engaged in a lengthy chat ( see attached transcript ), with this line being the last they sent on the matter : " Since XX/XX/XXXX has been over, we would not get an option to do that. That's a reason we would not be able to do it ''.

This seems extraordinary. According to their policy, a card member could incur charges on XX/XX/XXXX, not receive the credit, then be told, " sorry, it's too late - the year has ended ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: EQUIFAX, INC.
State: FL
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:
XXXX XXXX XXXX recently placed a collection on my credit report. They sent me an itemized list of my minor childs medical procedures from 6 1/2 years ago stating that money was owed on a medical debt. The letter did not include a HIPPA release form nor was authorization given to share my minor childs medical records. This is a clear violation of HIPPA laws and they did not produce a HIPAA release form with the itemized receipt that was mailed to me. How did they receive my minor childs health records without my permission??? Both my minor child and my HIPAA rights were violated and I demand the deletion of this debt immediately or I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20
Company: WELLS FARGO & COMPANY
State: SC
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 customer service

Complaint:
Wells Fargo contacted me about fraudulent charges on my card. They then cancelled my card and told me they would send a new one. They have not sent a new one and I can not access my account online. I waited for my card as instructed for approximately a month before they called and said I was late on my payment. I paid and complained that they had not sent a card and had not given me online access. They also filed a credit report and hurt my credit and charged a late fee. I paid the owed payments including the late fee even though I felt it was unfair. I have been unable to pay because they changed my account number and have not sent me any information on my amended account. It has been a month or so since and they have still not sent a card and have not given me any online access. They have stopped being helpful on the phone and they are now hurting my credit more.

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 monetary relief
Consumer complaint received 2020-07-10
Company: Capital Accounts, LLC
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hello I tried several times to clear up this debt. I called many times to the credit bureau and I keep getting a runaround, I reached the collection agency and they refused to remove this from my credit report, This should be illegal I am not responsible for this debt. The company sent a letter stating I'm not responsible. 
I have a court order that my ex is responsible for the debt. 

Please see the letter and court order. This collection agency is crook, they have several bad ratings.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: STATE EMPLOYEES CREDIT UNION
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
It is my understanding that debt has been paid as agreed. The debt is still appearing on my credit report nevertheless. The account has been properly settled unless can otherwise be proven.

Company response to consumer: Closed with explanation