BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-29
Company: EQUIFAX, 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:
Theres company XXXX XXXX they are collections agency for XXXX in the amount XXXX. Thats not my account its a fraudulent account, which is obtaining different social security number and reporting on my credit.never opened a XXXX account. Also XXXX XXXX another account placed on my credit report.im victim in identity theft I have sent all three credit bureaus my proof of identity, also included police reports all this fraud on all three credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-06
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX contacted me 2 times on 2 different numbers XX/XX/XXXX trying to collect a debt. Called them back XX/XX/XXXX and explained i did not receive a debt validation notice from them. Continued to ask about personal information and how i would like to handle this debt. I told them they were in violation of FDCPA and not to call me any further. XXXX XXXX XXXX number calling me.. Thank You

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I was denied for this credit card, but it still shows up on my credit report that its active. I dont understand why when I never received a card or was notified of anything only that I was denied. So I dont think it should be on my credit If I never received it or am I using this card

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My bus. acct is being closed by Bank of America, in XXXX, CT. within a month their reason they do not want ATM bus. I opened the acct in XXXX they were so happy to have me. Bus and personal accts after XXXX XXXX closed my acct for the same reason in XXXX, CT. I was with them for 10 years. I am XXXX years old I XXXX and XXXX XXXX XXXX XXXX one in XXXX XXXX, CT a manufacturing co in their cafeteria for employees and one at a resort in XXXX, MA. I owned that one since XXXX. The bank knows I use my own money to XXXX XXXX XXXX XXXX with an IRA. I retired after 21 years at XXXX, in XXXX XXXX, CT. I took a buy out, age XXXX in XXXX. I own my home in XXXX since XXXX. Still owe a mortgage ofXXXX. When a person takes money out of the ATM the money comes back to my bus. acct the next morning from a data processing company by an ACH that I filled out when I opened the acct. These accts are not very busy by the way but the income helps to pay my mtg. I am paid once a month by XXXX XXXX for the fees I charge at each machine. That incomes comes to me by an ACH also around the tenth of the month. The people at the branch are very nice and I only go in the most twice a week for the cash, {$2000.00} or {$4000.00}, etc. I am so shaken knowing that banks are refusing to allow our business and we need a bank. I am devastated. Can you help me please?

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 2021-10-18
Company: Amsher Collection Services, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Amshercollection services is trying to collect debt that i do not recognize i contact the actual creditor agency XXXX XXXX  and they cant find no account under my name in the state i live in it was opened XXXX XXXX for the amount of {$850.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06
Company: ACS Education Services
State: AZ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I received a loan from my school, serviced by Conduent Education, for {$3300.00} ( 5 % interest rate ) for the XXXX - XXXX school year. I remained in school through graduation in XXXX. In XX/XX/XXXX I noticed my credit report showed my loan through Conduent Education was 2 months late. Prior to this I had never received any communication directly from Conduent Education regarding my loan. After contacting them, and submitting documentation, I was able to get my deferment status reinstated. 

I started paying my loan with Conduent Education in XX/XX/XXXX, while it was still in deferment. I paid the loan in full on XX/XX/XXXX. My deferment ended on XX/XX/XXXX. Based on my payment date, I should have been reimbursed for 14 days of interest, as I paid for a month of interest based on the statement. I was never reimbursed that amount, nor was I issued any paperwork indicating my loan with Conduent Education was paid in full. 

Additionally, I was charged a {$3.00} fee even though my account was never late. It was supposed to be in deferment until the XX/XX/XXXX, when I paid it in full. I contacted Conduent Education explaining the above ( fee and interest overpayment XXXX on XX/XX/XXXX, and never received a response. 

To this day I have not received any information from Conduent Education regarding my loan being paid in full. My loan is also no longer being reported to the credit bureaus. I have no official proof indicating my loan was paid off. I can not log on to my Conduent Education account. They do not have an email address posted, and their phone numbers are disconnected. I understand that Conduent Education is no longer servicing student loans as of XX/XX/XXXX ( per their website ), but these issues occurred prior to that. 

I am entitled to documentation stating my loan obligation is fulfilled, as well as a refund of incorrect fees and interest overpayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29
Company: EQUIFAX, 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 status incorrect

Complaint:
I obtained a loan for a new car in XX/XX/XXXX. I strongly believe this was a predatory/subprime loan. I defaulted in XX/XX/XXXX. During a collection call in or around XXXX XXXX I explained that I was awarded a settlement and was awaiting a check at which time I would pay all back balances. I also explained that things were backed up due to Covid and judicial and insurance offices being closed. 
I received my bill that month and my account status states it is past due as expected, it now reflects current. It has never reflected written off. On XX/XX/XXXX I went online to make a payment and the system would not permit me to. I called XXXX XXXX XXXX to troubleshoot the issue. Only at the time was I informed that my account had been written off. I was told my account had been written off on XX/XX/XXXX and the only options I had were to keep the written off car and continue paying or do a voluntary surrender of the vehicle. My car has never been repossesed. I am and have always been in possesion of the vehicle. 
On or about XX/XX/XXXX I called XXXX XXXX XXXX 's collection department and was told there was no record of my account being in collections. In following days through back and forth with customer service I learned that my payment was accepted on XX/XX/XXXX but they also reported me to the credit bureaus on that very same day. 
I have been trying to seek remedy with XXXX XXXX XXXX and have this write off removed from my credit as a write off is done implying that the lender does not not ever expect to recover funds from borrower. They have collected all funds and again the only reason the 180 day rule for the write off was able to expire was due to COVID situations that were completely out of my control. 
I spoke to XXXX employee number XXXX on XX/XX/XXXX and he stated XXXX XXXX XXXX is absolutely not going to remove the write off from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: Atlanticus Services Corporation
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Fraudulent credit cards were obtained in my name and maxed out. I disputed with the company and they just verify the account and refuse to remove it. I've asked for proof of my signature opening these accounts and nothing has been provided. I am a victim of identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
A few months I sent a letter to XXXX XXXX stating I could pay my debt of {$270.00} for a lower amount of {$100.00}. The rep from XXXX informed me yes I could pay the debt for lessons it would be reported as such and they would also require debt be deleted from my credit file with all 3 major bureaus. I sent a check and a copy of the email that I received from XXXX which stated as such. They sent me a letter back k stating there are restrictions on the letter they did not agree with. I also looked on the website which they stated they would delete trade lines from credit reports for payment that may be less than in full. I sent them a personal check stating to pay off my debt and they sent the letter back. Why would such a company state they would take payment for less and a rep stated they would take less and on the website states the same thing. What kind of company does not follow what they post

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29
Company: U.S. BANCORP
State: CA
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:
Complaint : A US Bank customer service rep directed unfair and derogatory states to me during a phone conversation. Her statement, " The payment you made to your credit card is on hold, because XXXX XXXX can be done this way. '' Facts : On XX/XX/2018, I made a payment of {$13000.00}, to payoff the balance of my US Bank credit card account ending in # XXXX. This transaction was done on the phone, facilitated by an account specialist. She transferred the amount from my US Banking checking account to pay off the balance. ( Those funds came from my external XXXX XXXX investment account which was already held for three days and funds were now available to use ) She said the payoff balance was paid in full. 

On the morning of XX/XX/2018, I checked the account online and I noticed the available credit was only {$1100.00} for an account with a credit limit of {$13000.00} that had been paid off in full. I called to speak to a US Bank customer service at approximately XXXX am to get clarification. After a few minutes of conversation and investigation she informed me that, there is a hold on the account because my transaction was out of the norm for my account. I explained to her that I did not think it was fair and I was not told this would happen when I made the payment. Part of her explanation was, The system flagged the transaction, and that money laundering can be done this way!

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 2020-01-22
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX : The property at XXXX XXXX XXXX XXXX, XXXX TX is tax exempt 100 % XXXX veteran. 

XX/XX/XXXX : Tax statement and XXXX rating letters received and accepted by XXXX XXXX XXXX XXXX and Freedom Mortgage. Escrow Analysis conducted " check to be mailed out '' XX/XX/XXXX - current day ( XX/XX/XXXX ) 15 calls / scheduled call backs / inquires and still no refund of escrow. The company has promised payment numerous different times during these time periods. Freedom mortgages most recent stance on the issue is to pay a " phantom past due '' amount that the company states, they will have to " inquire '' to justify. 

I am a Veteran very confused with the legalities of my mortgage companies financial practices. Looking for help or next steps. The goal is to be refunded all owed monies in escrow that are no longer owed due to zero tax liability.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-01
Company: CAPITAL ONE FINANCIAL CORPORATION
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 did purchase a car in XX/XX/2014, as a Creditor/Entitlement Holder/Registered Owner, I did did send them a Conditional Acceptance upon Proofs of Claim to Capital One Auto Finance, giving them 30 days to submit their claim/validating the alleged debt, they never did. I did issue an Affidavit of Notice of Default, right after that, they stop sending statement. Further more I did send them an Optional Form 91 to release the property from escrow, they never reported the account properly, instead they have it listed as a charge off on all 3 credit bureaus. Capital One Auto Finance did also receive a bill of exchange in the amount of {$40000.00} and, they never correct the reporting nor try to repossess the car.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My concerns are their unfair credit reporting processes. I paid my account within 30 days and my account was never late. However, it was reported late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My concerns are their unfair credit reporting processes. I paid my account within 30 days and my account was never late. However, it was reported late.

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 2019-11-06
Company: EQUIFAX, 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:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT REPORT. PLEASE INVESTIGATE AND HAVE THOSE REMOVED IMMEDIATELY. I AM DISTRESSED BECAUSE I HAD NO IDEA WHO WOULD HAVE ACCESS TO MY PERSONAL INFORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I reported to XXXX  that my identity is being used to submit inquires for credit lines, loans and unsecured credit lines, this is continuously happening and affecting my credit. I have filed an official report with the Federal Trade Commission 's fraud department my claim number is XXXX. I would like all the 70+ inquires in the past two years to be removed from 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 explanation
Consumer complaint received 2020-01-22
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
Why if a security freeze was placed on my report, why or how come the " freeze '' is not being honored? 
Why even offer a freeze to consumers when it does not work? 
Scammers are gaining access overseas quicker and faster than people in USA to my information. 
Why is America so far behind in computer access for information. Stop exposing consumer credit reports so much to the outside world for jobs, and credit lines.

Mine looks a hot mess. 
Companies that I do not authorize are pulling my credit file to always sell me something that I do not need or ask for. Stop this XXXX XXXX. 
Anyone can get my information quicker and faster than I can. XXXX, everyone is afraid that I will make a million dollars or something I guess. This credit report is like a XXXX criminal record to me. How can I get it expunged and wiped clean for a new slate?

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 2021-01-28
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: Account information incorrect

Complaint:
I am disputing the following account XXXX XXXX XXXX. The balance amount is inaccurate.

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 2021-10-18
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have Contacted this company LVNV funding LLC several times regarding a debt I have been asking for paperwork on this account any sign documents of any kind every time I call its always the same thing we will look in to it. I sent letters asking for paperwork to verify it no response the amount is {$620.00} account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22
Company: CITIBANK, N.A.
State: NC
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 cash advances

Complaint:
I contacted Citibank via telephone. I informed them that my wife is responsible for all transactions on her account, just like I am responsible for my credit cards. Just because money was transferred from her credit card to a joint account that my wife and I have does not automatically make me responsible for her transaction from her personal card. The representative said I should complete the form that was sent that would make me responsible for her account. I disagree.

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 2020-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/2019, I mailed a letter to Transunion credit bureau notifying the credit bureau of errors found in how accounts are being reported by them on my credit report. Transunion does not investigate my claim. It's been 31 days and I haven't received a notice of dispute nor have I received any updates. This isn't the first time i've tried mailing in disputes for my accounts. I've tried pleading with Transunion to right their wrongs multiple times. They could not care less about errors in their customer 's credit report. They continue to verify false information on my credit report, even when I dispute it and provide evidence to support my claim. They claim and investigation has been done, but nothing has changed. My accounts are still reporting the same, showing the same inaccuracies. This is unacceptable.

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 2018-02-06
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: ME
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX XXXX sold my mortgage to Carrington Mortgage Service. When I was ready to pay my monthly payment, Carrington sated that my loan was " not yet in the system '' and I would receive " a welcome packet ''. I never received a welcome packet and my first correspondence with Carrington was a delinquency notice for the two months in which they were unable to accept a payment, plus a third. I made payments but got behind when I was in the hospital and lost work, the house froze and then flooded when thawed in this bitter Maine winter. I received a Notice to Cure but Carrington won't apply funds they have and won't accept any payments. Clearly, from the beginning, Carrington intended to take my house and the equity I built up over the past fifteen years. When the loan was sold, there were no late or missed payments to XXXX  XXXX XXXX. Carrington engaged in unfair business practices intended to set up the homeowner, me, to fail. The house is on the market for sale and Carrington will be paid in full, but I do not want it to go to foreclosure and lose all my equity.I 'm selling because I will be moving for work, but I don't want anyone to have to deal with Carrington Mortgage. I want to get caught up but they will not accept a partial payment or a principal payment and interest separately, or apply payments already submitted. this is unfair, cruel, and does not let people get caught up ; and, they set it up that way.

Company response to consumer: Closed with explanation