BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-27
Company: CAPITAL ONE FINANCIAL 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: Old information reappears or never goes away

Complaint:
Id done everything in my power to ensure online credit card account was not easily accessible to anyone. 
Capital one has been my primary creditor for more than 2years ( not consecutively ), and I am a loyal, valuable customer and iI dont want to express my disappointment publicly. 
They closed my credit card account because of fraud application instead of recovering my online account due to it being compromised by a person pretending to be an employee from one of the online stores i used my card in.. they also removed my payment history for 2 years i never missed a payment.. i opened this card in XXXX 


, I appreciate your time and I understand the position youre in. But, please reconsider your decision and reimburse the money the thieves stole from me. Capital one can easily absorb this loss, while my family and I cant.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: EdFinancial Services
State: PR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
On XX/XX/2022 : I contacted my provider to get a refund of loan payments done during the pandemic as per the federal annoucement regarding loan forgiveness. The amount of payments and timeline they had available was not the same as my ( documented ) history of payments. Specifically, my provider ( Edfinancial ) didnt had the same amount of payment done with XXXX XXXX XXXX  ( my previous provider before it was moved to Edfinancial ). The representative said that he would send to me within XXXX days a payment history, but it wont have the timeline of payments I have. 

On XX/XX/2022 : Contacted for the second time my current loan provider ( Edfinancial ) for a refund of loan payments during the pandemic. The first time I had a mismatch of numbers with the timeline of payments done to XXXX XXXX XXXX XXXX previous provider before I was transferred to Edfinancial ), and this time Im asked to verbalize a history of payments done to XXXX XXXX XXXX  so that they can send a refund request with the verbalized amounts. I proceed to verbalize, and corroborate with the representative, said amounts paid. Im then told I should wait nearly 150 businesses days to get said refund and Im not sent any type of evidence/written confirmation of the processes made. 
*I attached the evidence of first payment done to XXXX XXXX XXXX which at the moment was not reflected on their ( Edfinancial ) side of payment history.

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 2023-04-12
Company: Experian Information Solutions Inc.
State: CA
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 want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

XXXX XXXX XXXX Date opened XXXX XXXX, XXXX  Balance {$0.00}

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 2021-09-24
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that XXXXHUNTERWARFIELD would verify the debt. So I took it upon myself to ask HUNTERWARFIELD for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: EQUIFAX, INC.
State: SC
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:
In accordance with the Fair Credit Act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 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 DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 USC 1681 SECTION 604 A States A consumer reporting agency can not furnish an account without my written instructions 15 USC 1681 c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information, any adverse item of information other than records of convictions of crimes which antedates the report by more than 7 years.

15 USC 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the consumer agency knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
Purchased a new house XXXX. House closed and the property taxes assigned to the impound account was more than double what it should be. The house was a new build and so there is no actual tax bill assigned yet. The bank estimated what they believed to be the future taxes using a criterion I have not been able to understand. I spoke to title people , county tax people, my realtor and everyone agrees something is wrong. I have spoken to my loan officer, customer service twice from the bank involved and still no one can properly explain why the high tax estimate. They just keep telling me the impound account will correct at the first hard tax bill. That bill may not be sent to me until XX/XX/2024. Meantime my monthly payment is higher than I ever anticipated. I paid {$290000.00} for the house. They are taxing me the near equivalent of a {$500000.00} house. ( Approximately ) The county tax person suggested I tell the bank to use their online tax estimator to get a better look. I told the last customer service person to try that, but they would not. I am frustrated and can not get any answers. So figured I would try your bureau.

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 2022-12-13
Company: Sequium Asset Solutions, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
First I get a collections message from XXXX I sued them and won Now they are sending the same from an account probably from a XXXX XXXX XXXX that they would not give info on Account from 2019 supposedly we paid some - we did not Now it is sequium Asset solutions Close these companies - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX they make money hitting on innocent people- and people can not get jobs because of these XXXX- they call at noght they impersonate they send out collectors at your door - I signed nothing with these companies XXXX is an account they took my ss number address and they harass Move them to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22
Company: Experian Information Solutions Inc.
State: AL
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:
Experian and XXXX  are reporting incorrectly a collection/charge-off in the amount of {$950.00} on the XXXX XXXX account from original creditor XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I closed this account and made an arrangement for the company to pick-up the equipment per their instructions. The company failed to process my return correctly and consequently, because of their error, this account was sent to collections. I never received any correspondence regarding this account and I was not aware that there was a collection until I obtained a copy of my most recent credit report. The false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.

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 2023-10-10
Company: WELLS FARGO & COMPANY
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I wrote a letter to WF/XXXX  over 90 days ago and I still have not received an response from them regarding a debt they have added to my credit report. So my problem is I didn't receive notice of right to dispute and when I contacted them they never responded to verify the debt when I asked for it back in XXXX. I was never notified of the status of the results. This negative information has caused a lot of problems over the last few months because I refuse to pay a debt that does not belong 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 2018-11-28
Company: Rocket Mortgage, LLC
State: ME
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my home mortgage loan with Quicken Loans back in XX/XX/2018. In XXXX I received a letter stating that my Escrow account was $ XXXX dollars short. Part of why it happened is they received notice from XXXX XXXX that I might be switching to a home insurance policy that costed approximately {$150.00} more than what I was paying at the time I took out the loan. I called Quicken to say that I was not changing my insurance and to question why there would be a shortage when my old home insurance did in fact go up $ XXXX, but the tax payment was exactly what was stated at the time the loan was taken out. It seemed and seems to me that they didn't give me an accurate account of what my monthly payment would/should be. The Quicken person said that they'd be reevaluating my escrow account and would send me a report- this said I owed them {$430.00} and my monthly payments would go up about {$40.00} a month. It seems like there was a misrepresentation of what I would have to pay since nothing has changed significantly since the time I took out the loan in XXXX. They either miscalculated or this is something they pull to further entice people.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06
Company: JPMORGAN CHASE & CO.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
Hello, I had a car financed with JP Morgan Chase Bank NA for {$54000.00} since XX/XX/XXXX. Early XX/XX/XXXX I requested a payoff from Chase for the remaining balance of my car ( {$20000.00} ). The car was paid off XX/XX/XXXX. The following week I received a lien satisfaction letter from Chase ( attached ). On XX/XX/XXXX Chase calls me on my phone and request for me to send the lien satisfaction letter back and notified me the account has been reopened due to Bank error. Chase states that the payoff was not enough to cover the remaining balance ( {$4600.00} ). They scheduled a regular payment for XX/XX/XXXX of {$1000.00}. For a loan that has been paid off. The mistake of the bank is put on my shoulders.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Was told by agent he can help me with looking to fix some things on my credit report I told him I don't want to run an inquiry at this time at this point he was already running my credit profile

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 2023-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
Months ago, I sent a letter to the XXXX credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 XXXXXX/XX/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 2022-09-07
Company: FC HoldCo LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The credit bureau did not investigate the late payment reported on my credit report from flagship credit acceptance. By consumer law, they are a corporation, i am a consumer and flagship credit acceptance is damaging my report and my life.15 USC 1681 ( 2 ) Exclusions consumer report containing information solely as to transactions or experiences between the consumer and the person making the report. please investigate and have the company change or delete the late payments. thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19
Company: AMERICAN EXPRESS COMPANY
State: TX
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:
American Express cheated me by lying and stealing my XXXX points! 

XXXX ; XXXX  - XXXX customer representative promised me access to my credit card points ( worth {$600.00} ) for 30 days after closing the account and the points instantly disappeared on card termination. 

I had called American Express customer service on XX/XX/XXXX regarding a late fee on my credit card ( American Express Premier Rewards Gold Card ) and requested to waive it since I hadnt used the card in a while and was not monitoring the monthly statements. Amex representative supervisor XXXX ( ID XXXX ) suggested I could close the account and they would waive the membership fee and the late fee on my account. I had around 64K points ( I had not used any points at all ) and asked her what would happen to those points. She said I will have access to them for 30 days and even specifically mentioned XX/XX/XXXX. I liked the idea and so went ahead and closed my credit card account over the phone with her. After a few days, I noticed my late fee was still there and so I called back, this time the representative XXXX ( ID XXXX ) took care of the late fee and again confirmed saying I will have access to my points for 45 days after closing the account. I was full term pregnant at the time and I had my baby on XX/XX/XXXX and didnt bother looking into any of this until around mid-XX/XX/XXXX. At the time, I noticed that my points were gone. I immediately called them back and they transferred me to the rewards department wherein all the representatives said that you lose points as soon as you close the account. I was very shocked and disappointed that I was lied to and my points were stolen. I complained to them with several follow up calls. They eventually transferred my case to some back office department. XXXX ( badge # XXXX ) called me and explained to me that they will have to request recordings of those phone calls in which the representatives had lied to me and if it was indeed the case then they would give me a gift card worth equivalent of my points. He said he will follow up with me every 3 days to give me an update on my case. I have been waiting for over a month and they call me every 2 weeks saying that they still havent received the recordings. I really can't afford to lose {$600.00} worth of points cuz that was the reason I applied for the card in the first place. I am looking for recommendations on how I can get this resolved and if anyone has experienced this before. 

PS : I was very skeptical of the Amex customer service from the very beginning and that is the reason why I have their ID and badge numbers noted down.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-09
Company: Experian Information Solutions 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:
Credit dispute was filed with Experian in XXXX of 2020. Experian failed to investigate disputed accounts within the legal timeframe by law, and unverified debts have yet to be removed from my credit report. Experian also never provided an updated copy of printed credit report. Two additional notices were provided to Experian to remove debts to no avail.

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 2023-10-04
Company: OLIPHANT FINANCIAL, LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XX/XX/2023 I noticed an account on my credit reports from a random third party called Oliphant that I never had any business relationship with.

Oliphant was attempting to collect on a debt in the amount of {$900.00} allegedly on behalf of a company called XXXX that I never had any business relationship with. 
I have had my identity stolen and sent Oliphant a letter via certified mail XX/XX/2023 notifying them about this fraudulent account including a copy of my Identity Theft report asking them to please delete the fraudulent account from my credit reports.

I also disputed this fraudulent Oliphant account with the credit bureaus.

Oliphant however continued reporting this fraudulent Oliphant account with the credit bureaus. 
XX/XX/2023 I noticed Oliphant still reporting this fraudulent Oliphant account with the credit bureaus.

I then sent Oliphant a DEBT VALIDATION LETTER via certified mail XX/XX/2023. 

Pursuant to the FDCPA 15 U.S.C. 1692g ( b ) Oliphant was required to cease collection efforts until the alleged debt was validated but failed to do so. 
Oliphant continued reporting the alleged debt to the credit bureaus in its attempts to collect on the alleged debt thereby violating the FDCPA 15 U.S.C. 1692g ( b ).

I saw the fraudulent Oliphant account XX/XX/2023 on my credit reports. 

I then sent Oliphant a FAILURE TO RESPOND letter via certified mail XX/XX/2023. 

Oliphant violated the FDCPA 15 U.S.C. 1692e ( 2 ) In its attempt to collect on an alleged debt by falsely representing the character, amount, or legal status of any debt. 

Oliphant violated the FDCPA 15 U.S.C. 1692f In their attempts to collect on the alleged debt by collecting an amount that was not expressly authorized by an agreement creating the debt or permitted by law.

Oliphant violated the FDCPA 15 U.S.C. 1692g ( b ) by not ceasing collection efforts until the debt was validated.

Case law is well settled that reporting an alleged debt to the credit reporting agencies is " an attempt to collect on a debt ''.

Pursuant to the FDCPA 15 U.S.C. 1692g ( b ) Oliphant was required to cease collection efforts until the alleged debt was validated but failed to do so.

Oliphant continued reporting the alleged debt to the credit bureaus in its attempts to collect on the alleged debt thereby violating the FDCPA 15 U.S.C. 1692g ( b ).

Additionally, Oliphant FAILED TO RESPOND to the DEBT VALIDATION LETTER within 30 days causing me to send a FAILURE TO RESPOND letter via certified mail September 2, 2023.

I saw the fraudulent Oliphant account XX/XX/2023 on my credit reports and it is still there as of this filing.

Company response to consumer: Closed with explanation