BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Capitol One credit card opened XX/XX/2004 - I would not use this card as primary and have called capitol one multiple times. Originally from XXXX I called to close card and was persuaded by reps to not close since this was oldest opened line ( baited during college since was purple colored card ). I kept open upon their advice ( mind you was not able to upgrade card but was able to get $ XXXX credit line with rewards approved elsewhere in recent years ). 

So, I kept it opened being reassured there was no annual fee or minimum purchases required. 

I got an alert from XXXX XXXX this week that the account was closed. This WAS my oldest trade line on credit and as a result by closing made my score decrease. 

I called and spoke with supervisor XXXX who could be heard chuckling on the line while I shared my situation. He advised based on the terms and conditions received when I was in college this was ok - I NEVER received notification this would occur. If so, I would have charged {$1.00} annually however was told multiple time by CSRs at Cap 1 no need to do so!! 

Where was the notification to advise account would be closed prior to closing? Again, I would have been more than happy to charge {$1.00} to stay open. 

I want my account re-opened and re-aged to previous status - I will charge {$1.00} per year to cut thru red tape to keep. 

Also, when I attempted to contact and spoke me with supervisor XXXX I was told yes your complaint is heard and captured but there is no formal follow up procedure to which I asked so you just type it to go somewhere with no clue and he said yes- translated to me ; yes I will type your complaint so you hear key clicks but it really goes into Word doc that is deleted,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-16
Company: Conn's, 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:
Hello, I spoke with a Conns customer service rep on XX/XX/2017. I currently see a late payment reporting for my Conns Account for the month of XXXX, and a late payment for XXXX on my 2nd Conns account. On XX/XX/2017 I spoke with a customer service rep ( XXXX from the payments team ), and we determined a auto-payment feature on Conns end occurred. My bank information was correct, as the rep verified it. Based on the research, the rep informed me they would correct the credit report since it was a Conns end error. I still have not seen the correction on my credit report. My next step would be to contact the CFPB and file a complaint for Conns not  exhausting there efforts to correct this mistake under the FCRA. To avoid conflict, and keep a good relationship with Conns, I am kindly requesting these 2 errors be corrected as soon as possible. I have attached my credit report screenshots, showing how both accounts are currently reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-27
Company: PNC Bank N.A.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/XXXX at XXXX XXXX I called for the second time to ask PNC to close my checking account.

I then went into the branch on XX/XX/XXXX and deposited XXXX dollars to settle a pre existing negative balance. I was told they were closing my account that day. They did not and I was then charged for a subscription service. and an overdraft fee. It has been over a week of fighting with pnc to close my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-17
Company: AMERICAN EXPRESS COMPANY
State: AZ
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:
On XX/XX/XXXX I paid for a certificate to be mailed to me directly. I passed an online exam for XXXX XXXX XXXX. At the end of the exam it gave me a passing score and the option to buy a certificate for {$34.00}. I have never received the certificate after waiting over 3 weeks. I filed a dispute with american express Bluebird card accounts. I provided the following proof of purchase XXXX dispute form, photo of the receipt online, proof of the exam transcripts. I supplied these documents to amex blue card via their own secure email box on XX/XX/XXXX. Today on XX/XX/XXXX XXXX said " The document you are sent us is not valid to the  contact merchant. Please sent us appropriate documents of this dispute. '' I called XXXX the 1st representative told me just to wait a few more days. Asked for her manager and he said they never received the forms. That 's a lie because the message above clearly states " The documents your sent us ''. These guys are not going to resolve this. I thought I could dispute transaction with in 30 days just like every other bank. In addition this is my 1st ever dispute after years of doing business with XXXX. Shady business all over these days.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-27
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/2019 I contacted Citi because I was showing a minimum amount due of $ XXXX+ due to my card being over the limit. In speaking with several representatives I was told that the minimum showed as such because they wanted customers to bring there card under the limit, however ; the true minimum was {$150.00} and that they dont " advertise '' that to customers on their statements. I find this practice to be deceptive and not hold true to customers expectations of transparency.

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 2018-08-17
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: Their investigation did not fix an error on your report

Complaint:
XXXX  Accounts Reporting Negatively With Incomplete Account Information I have repeatedly sent letters to Transunion, XXXX, and XXXX asking them to delete the inaccurate information being reported on my reports by XXXX. They continue to report back to me that the information has been VERIFIED. 

I have repeatedly sent letters and made calls to XXXX asking them to either report complete account numbers OR remove these accounts from my credit reports. For over 15 years they have been reporting incomplete and inaccurate information to my credit files. They refuse to comply. This practice has made it difficult to manage and discern one loan from the next. 

While they might say they are truncating my account numbers to protect me, the FTC opinion says the opposite : In sum, a CRA that always scrambles or truncates account or social security numbers does not comply with Section 609 of the Fair Credit Reporting Act.

They state that by NOT reporting the entire account number, they are not reporting 100 % accurate information as required by Section 609.

Section 609 ( a ) ( 1 ) of the FCRA states that CRAs, including major credit bureaus such as Trans Union, " shall, upon request ( by a consumer ), clearly and accurately disclose to the consumer... All information in the consumer 's file at the time of the request '' ( emphasis added ).

I am writing to request your help in having these SEVEN inaccurately accounts permanently removed from all three reporting agencies, XXXX, XXXX, and Transunion.

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 2019-05-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
First of all I was left a voice message this last friday by this numberXXXX-XXXXextXXXX so I did attempt to reach this individual 3 times leaving a message he said I needed to respond by XX/XX/2019 so on monday I attempted to call him again and on his voice mail it now states he would not be in the office until XX/XX/2019 I did leave a message asking him why he was saying I needed to respond by XX/XX/2019 when he clearly had stated on his voice message he would not be in untill XX/XX/2019 and would not have access to his messages once again Bank of America has many inconsistencies and as a customer this was a on going problem I told them you record your calls so go back and listen to what conversations your bankers have with consumers and management to and honor your word to consumers you cant tell customers one thing and do another I also had specifically asked bank of America to stop a buisness from debiting my account they had assured me that no worries because my account was on close status again they allowed it to happen im so upset with everything they have done to me and the way I was treated by them it has impacted me bad especially me not having my medication for over a week because of them and the way I was treated like I was never worthy of there time I sent them numorous emails complaining and they did not care when I made a statement saying you have a choice you can release my funds and a supervisor said to me yes we are choosing not to that is horrible and when they finally did I received a letter stating my credits were permanent and the case was closed so I was right the whole time and it was there banker who had told me to esculate my claim because of my health

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 2018-03-16
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I have a XXXX XXXX XXXX aka XXXX XXXX   XXXX. On XX/XX/2018 I logged on their website and requesting a credit line increase. While I was completing the form on their website. which is XXXX there was an option just under the annual income field that states " by selecting this check box, I am allowing the bank to access my credit report, if necessary. '' I made certain that I did not check that box and i did not. 

Well on XX/XX/2018 I get an email alert from Experian stating that something changed on my credit file. I logged on and according to Experian it was a hard inquiry from XXXX XXXX  for new credit. I did not authorized XXXX to pull my credit. I called Experian to dispute the inquiry but Experian referred me back to XXXX. I called XXXX and that stated I must submit a written request and that they have 90 days to respond. I found that to be absurd. So I decided to submit a complaint through CFPB. 

Also Experian would not take my complaint at all even though after I logged in to their site ( i have credit monitoring service with them ) and attempted to submit the dispute online their website directed me to call to submit disputes about credit inquiries. After waiting 30 minutes on the phone their rep stated they do not dispute take credit inquiries and i must dispute though the company directly. I found that odd and i asked 2 times just for clarification

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 2020-11-12
Company: Herbert P. Sears Co., Inc.
State: NV
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:
Checked my credit report and noticed fraudulent activity. Contacted collector and informed them that this is not mine and I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21
Company: Ditech Financial LLC
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We recently ( about 3 months ago ) filed for bankruptcy. We notified Ditech that we would be reaffirming the debt ( our mortgage ) and requested the paperwork that needs to be filed in Federal court. Since then, myself and my attorney have contacted Ditech numerous times and they keep saying " they are working on it. '' The filing deadline is XX/XX/2018, just a few days from now and they are still refusing to provide the documents. I have had to pay my attorney extra fees now to file a request for an extension with the court. Ditech is purposely doing this to put us into a position where they can force a foreclosure on our home. I am permanently XXXX and Ditech wants out of the contract. Purposly holding up the bankruptcy from being finalized is also causing financial problems. Ditech either needs to provide the paperwork required by the court, or provide a lien release if they continue to refuse to let us reaffirm the debt.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-27
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX, XXXX reporting old medical bills as collection items. XXXX reporting account Affirm and I never received any goods or services from this creditor. I was not allowed to dispute these items.

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 2018-03-16
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My home is being foreclosure on with a robo signed assignment. The loan was acquired by XXXX XXXX, and it was one the loan that was apart of the XXXX XXXX settlement with the Department of Justices. The assignment was created XX/XX/XXXX and the cutoff date for the trust filed with the U.S .SEC was in XX/XX/XXXX. The agreement said it had to conveyed 90 days befor the cut off date. This assignment was conveyed 5 year after the cut off date in section 201 of the pooling and Service agreement. I mailed both XXXX XXXX XXXX XXXX, and Bayview Loan a QWR / Proof of Claim request. I also asked that the loan be restructured with a lower rate, so my payment will be affordable

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17
Company: Commonwealth Financial Systems, 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: Old information reappears or never goes away

Complaint:
I submitted a complaint for Commonwealth Financial Systems as they reported to all three credit bureaus # XXXX for the amount of {$1200.00}. The case was closed and the reports were removed just to reappear on XX/XX/2017 for a different amount {$590.00}, I just git remarks removed from XXXX as Im going the mortgage loan process now Commonwealth Financial Systems has placed those same negative remarks back on my credit report. I do not know how Commonwealth Financial Systems obtained my information. These fraudulent debts are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Today I received a credit monitoring alert stating that I have a delinquent account with XXXX XXXX ( c/o Resurgent Capital ). I have never had an account with XXXX XXXX nor do I have any account number associated with the reported account number on any of my credit reports. I also never received a debt validation request letter from XXXX XXXX ( c/o Resurgent Capital ) and am disputing the validity of this debt. 
In addition, on XX/XX/2017, I disputed the validity of another purported delinquent account with XXXX XXXX ( c/o Resurgent Capital ) with the Consumer Finance Protection Bureau so XXXX XXXX ( c/o Resurgent Capital ) is well aware of my address however, they intentionally and fraudulently failed to mail me any communication regarding this purported debt prior to reporting it to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: Experian Information Solutions Inc.
State: NY
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:
Pursuant to FDCPA 1692c ( c ) ( 2 ) I am invoking my specified remedy as the consumer, and as the original creditor, I am demanding the following Pursuant to FDCPA 15 USC1666b TIMING OF PAYMENTS- Remove the 4 missed payments on my XXXX XXXX XXXX credit card ending in 9513. This is an open ended credit card. Pursuant to 15 USC 1692j, Experian, XXXX, XXXX, and XXXX XXXX XXXX are in violation. They are furnishing deceptive forms on my consumer report. Pursuant to 15 USC 6821, this is violating my customer privacy rights. Pursuant to 15 USC 6823, they are all eligible for criminal penalties. Pursuant to 18 USC 3571 ( c ), they are all eligible for federal fines. Pursuant to 15 USC 1692d, this is harassment and abuse upon my life.

If this is not removed, I will be invoking my monetary remedy pursuant to FDCPA 15 USC 1692k, in addition to criminal penalty under 18 USC 3571.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 am a victim of identity theft

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 2020-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 a XXXX  balance on my XXXX Credit Card that is open. I would like that adequately reflected on all 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 2017-11-17
Company: CREDIGY USA CORP.
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
When I refinanced my home in XXXX, XXXX XXXX XXXX XXXX XXXX handled the title part of the transaction to make sure title was clear for refinancing. According the attached letter from XXXX XXXX XXXX XXXX, dated XXXX XXXX, XXXX, " XXXX paid off the abstract in the amount of {$11000.00}. because it says that, " you had refinanced your home through XXXX XXXX XXXX without the above referenced abstract of judgment in favor of XXXX XXXX being paid. '' On the attached letter sent to me by XXXX in XXXX XXXX, XXXX, demanding me to pay {$11000.00} to recover the amount they said they paid. As of today, there is a lien against my home. I do n't understand how a title company insurance can recover from their mistake after they had clear my home at the time of transaction? If it is been paid off by the title insurance company, how come the same original lien is still enforced?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
It has almost been a year, since XX/XX/XXXX, where I have sent in my first round of dispute letters ( i.d theft affidavit and police report ) for you to remove the fraudulent information from my credit report in violation of 15 USC 1681. 

This is my second time since XX/XX/XXXX on contacting the Consumer Financial Protection Bureau, and since then I still have no results on the fraudulent information being deleted from my report. You are required under the FCRA to have properly verified that an account listed on my credit report is mine by having a copy of the original application. 

On XX/XX/XXXX, I certified mailed Affidavits of Truth and Facts to all 3 bureaus about removing the left on fraudulent information from my report. You have not provided me a copy of any original documentation that you have on fine. Under section 609 and 611 ( a ) ( 1 ) ( A ) of the FCRA, you are required to promptly delete all information which can not be verified. 

On XX/XX/XXXX, I mailed a second written request to all 3 bureaus, under section 617, the law is very clear as to the civil liability and the remedy available to me for " negligent noncompliance '' These 3 bureaus have had well over 60 days to complete these actions.

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 2021-01-26
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I don`t have knowledge of this account and have sent letters requesting validation to the, to no avail! I am requesting that you immediately delete information off of my credit report that isnt mine. I have no contracts with these companies and did not agree to pay any money to them. I know that mistakes happen on peoples credit reports, and I am quite certain these are mistakes.

Company response to consumer: Closed with explanation