BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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:
XX/XX/XXXX Used my Capital One credit card to purchase XXXX XXXX roundtrip flight for my daughter XXXX from XXXX XXXX to XXXX, XXXX for University XXXX XXXX program for {$690.00}. 

XX/XX/XXXX XXXX flew XXXX to XXXX, XXXX for her U.XXXX   program. 

XX/XX/XXXX I contacted XXXX XXXX to change ticket return due to program cancellation by XXXX government. XXXX rebooked return flight to XX/XX/XXXX and I paid {$130.00} for fare difference. 

XX/XX/XXXX I received XXXX XXXX email cancelling flight-unable to reach XXXX XXXX by telephone or at airports. XXXX booked flight on XXXX XXXX  ( which cancelled ) and then paid for second return ticket on XXXX  XXXX. 

XX/XX/XXXX I submitted written dispute via Certified Mail to Capital One for return portion ( half ) of {$690.00} ticket charge or {$340.00}. I also spoke with Capital One telephone agent regarding refund for cancelled XXXX flight and was required to submit additional Capital One form by email or fax. 

XX/XX/XXXX I submitted Capital One form for reimbursement of {$340.00} by email with supporting documents including XXXX ticket receipt, XXXX email re : flight cancellation and US Department of Transportation Enforcement Notice stating " obligation to refund passengers for cancelled or significantly delayed flights. '' Capital One later credited my account for {$340.00}. 

XX/XX/XXXX Capital One rebilled the {$340.00} transaction without written notice to me for the XXXX flight. On XX/XX/XXXX, I again submitted the Capital One form and supporting documentation regarding XXXX XXXX  flight cancellation via fax and Certified Mail. 

Additionally, XXXX XXXX responded to my refund request on XXXX XXXX website stating that the refund was unnecessary due to the credit card chargeback by Capital One. Also, XXXX XXXX has still not resumed service to/from XXXX, XXXX from the United States as of XX/XX/XXXX. 

Finally, I believe that Capital One 's actions on rebilling this transaction mirror their actions when went through months of communication, letters, and calls to reverse charges made in error by Capital One for XXXX XXXX  tickets that were refunded in XXXX but rebilled by Capital One in XXXX and XX/XX/XXXX before my statement period ended. Capital One 's actions have lowered my credit scoring according to its own credit monitoring service, XXXX XXXX, along with other credit monitor services. Capital One 's actions in the XXXX flight cancellation, as well as prior actions in the XXXX XXXX  flight cancellation, have negatively affected my application for my first home mortgage.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-04
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: Was not notified of investigation status or results

Complaint:
Experian having not fix the problem I was victim of identity theft if they can't provide identification card social security then someone use. My name not making my credit report no better

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16
Company: Halsted Financial Services, LLC.
State: NE
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Halstev Financial services calls up to 10 times a day.. I have asked several times for proof of debt in writing.. and how to.dispute it.. they have asked for several different amounts.. and sent only one email that has no dispute information in it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Collections from company came up on my credit report XX/XX/2020. I Attempted to contact company via certified mail asking for proof of account and havent received a response because Ive never had an account with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24
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:
XXXX, Equifax XXXX XXXX have failed to accurately report and remove fraudulent accounts from my record. I was XXXX from XX/XX/XXXX until XX/XX/XXXX. As a result during the period of my XXXX  multiple fraudulent credit card accounts were opened in my name. Three XXXX XXXX XXXX accounts : XXXX XXXX XXXX  XXXX XXXX XXXX Master Card {$9800.00} & XXXX XXXXXXXX {$5800.00}. These cards totaled over {$33000.00} in fraudulent debt resulting from identity theft. XXXX  department store credit card {$2000.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX credit card totaling {$4800.00} in fraudulent debt resulting from identity theft. I submitted the required documents XXXX police reports, letters from XXXX XXXXXXXX XXXX multiple times to transition bit they have failed to act appropriately on my behalf. All of the accounts listed were opened between the periods of XXXX and are all a result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have a collection account listed on my credit reports by a debt collection agency RESOLUTION SERVICE, Collecting on behalf of XXXX. I am not aware of this contract and it does not belong to me. I requested verification of debt and account on XXXX XXXX, 2017 and the business failed to provide proof. Because of that, I am not responsible for the 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 2020-05-12
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: Information is missing that should be on the report

Complaint:
MY CAR LOAN IS NOT SHOWING ON MY CREDIT REPORT, I HAVE AN AUTO LOAN WITH XXXX   THAT WAS OPEN UP ON XXXX XXXX IT IS AN AUTO LOAN AND IT IS NOT SHOWING ON MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
These accounts should not be reporting on my file nor have they been physically verified as stated within the FCRA language. I have made many attempts to set my self free from these unauthorized accounts but instead the following credit agencies resolve is always a statement claiming accounts verified, but never recieved any physical documentation of such. I've requested the Method of Verification for the investigation into the accounts but haven't received any documentation whatsoever. If the credit agencies can not permanently resolve this issue I will file suit and/ or with the FTC . You and your companies totally ignored Section 609, and section 611. If the credit reporting agencies can not send me their Method of Verification and/ or provide me with physical documentation/ contracts then I'm demanding that the following credit agencies, XXXX and Transunion block these accounts immediately and permanently, ( # 1 ) XXXX XXXX {$0.00}, ( # 2 ) XXXX XXXX XXXX {$390.00}, ( # 3 ) XXXX XXXX XXXX {$130.00}, ( # 4 ) XXXX XXXX XXXX {$1000.00}, ( # 5 ) XXXX XXXX , ( # 6 ) XXXX XXXX XXXX   {$920.00}

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 2020-05-14
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
i buy an host from bad company '' XXXX '' with date XXXX by using " paypal '' before i buy i ask him if the product not suits me or or dont like me or i have problem can i refund this moeny they answer to me yes but i order to refund my money everyday in phone line and chat support and i don't understand their language they tell me cancel it by yourself and other one tell me we pay for our employer we cant give you your money other one from this company after the time end i buy in tell me you cant get your money because the time end, please refund my money paypal from this thief company steal my money and dont want refund my money from 4 month to the right now my email in paypal : XXXX, my number is XXXX ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26
Company: Fidelity National Information Services, Inc. (FNIS)
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:
CHEXSYSTEMS IS REPORTING FOR XXXX XXXX XXXX BASED ON FRAUD AND FALSE INFORMATION AND IM XXXX SICK OF IT WITH THESE CRIMINALS, AS THE PROOF SHOWS HERE A XXXX BALANCE FROM XXXX XXXX XXXX, AND YET CHEXSYSTEMS IS MAKING BAD REPORTS ON MY GOOD NAME, CHEXSYSTEMS IS A MUTHER XXXX CRIMINAL, THEY ARE ALSO REPORTING FOR OTHER BANKS OF WHICH I OWE NOTHING, THERE IS NO ''BILL '' OR A VARIFIED SWORN STATEMENT FROM A COMPLAINING PARTY,

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 2020-07-25
Company: Ocwen Financial Corporation
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Separate and aside from criminal conduct as set forth and explained within the correspondence annexed hereto as Exhibit " A '', XXXX XXXX XXXX ( " XXXX  XXXX XXXX '' ), the latter 's employee XXXX XXXX XXXX ( " XXXX  XXXX '' ) in conspiracy with XXXX XXXX XXXX " XXXX '' ), PHH Mortgage Corporation dba PHH Mortgage Services ( " PHH '' ), XXXX XXXX XXXX ( " Attorneys XXXX  '' ) and others, are evading my demands and request made pursuant to the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1962 ( g ) ) ; N.J.S.A. 12A:3-308 ; the Real Estate Settlement Procedures Act ( RESPA ) ( 12 U.S.C. 2605 ( e ) ) and the Truth in Lending Act ( TILA ) ( 15 U.S.C. 1601 et seq. ) ; and 15 U.S.C. 7021 ( f ). 

Furthermore, as set forth within my communication to be forwarded to the foregoing parties that is annexed hereto as Exhibit " A '', along with Exhibits B through I that are also enclosed hereto and explained within my communication submitted herein as Exhibit " A '', XXXX  XXXX XXXX and the latter 's employee Attorney XXXX on behalf of XXXX and PHH submitted false - forged evidence to the CFPB on XX/XX/XXXX constituting violations of 18 U.S.C. sections 1001 and 1343. 

Specifically, the foregoing parties continue to misrepresent that I defaulted on my mortgage loan as of XX/XX/XXXX, while omitting and concealing the first foreclosure action set forth default as of XX/XX/XXXX with no payments made thereafter through XXXX XXXX, and I tendered approximately $ 21k in payments with approximately $ 16k being cashed, non of which I am being given credit for as explained within my communication annexed hereto as Exhibit " A '' and displayed within Exhibit " G ''. 

In closing, the conduct set forth above, explained within Exhibit " A '' and displayed throughout Exhibits " B '' through " I '' that are also enclosed hereto, constitutes continued engagement in unfair, deceptive, and unlawful practices by the foregoing parties in violation of consent judgments entered in the U.S. District Court for the District of Columbia on XX/XX/XXXX in Case No. XXXX and Case No.  XXXX on XX/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 explanation
Consumer complaint received 2020-05-12
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I sent them information and they responded with a letter requesting the same information that was provided to them. I feel as though they're stalling my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
Hello, My issue is with XXXX XXXX. XXXX. I 100 % believe this is a scam collection agency. I graduated from XXXX XXXX XXXX. XXXX says my account was opened in XX/XX/XXXX and it's a private collection. They contacted me XX/XX/XXXX to make payments on a account that is worth {$22000.00}! I have sent money ( {$50.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$50.00} XX/XX/XXXX {$50.00} XX/XX/XXXX ) I tried on many different occasions to contact the company, but the number was always to a different company. I also sent them a letter in the mail XX/XX/XXXX stating my new home address I received NO RESPONSE. I became Extremely Suspicious XX/XX/XXXX when this so called " TEXAS BASED company called me on a Saturday Morning from a XXXX WASHINGTON DC BASED phone number! What company calls on a SATURDAY MORNING from a completely different number? I will no longer send them any money and I WANT THIS FAKE COMPANY OFF 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 2020-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE KNOW IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2020-05-12
Company: LoanCare, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, XXXX XXXX XXXX  ( XXXX, NJ ) transferred the servicing of my loan to Loancare ( XXXX XXXXXXXX, VA ). XXXX sent me a notice on XX/XX/XXXX that they had become the servicer for my loan. That letter said that if I had auto-pay set up, then I needed to take no action, my loan would continue to be paid in that way. 

It is now XX/XX/XXXX, no payment has been made. I have no access to the XXXX online system, and I have no coupons or other materials to send them a check. I have contacted customer service and I keep getting new dates for when my loan will be active : initially XX/XX/XXXX, then XX/XX/XXXX, then XX/XX/XXXX, now XX/XX/XXXX. 

My loan is accruing interest based on the amount of principle that is owed. I normally make an substantial payment of additional principle on top of the amount paid in my normal mortgage payment. 

And so, I am now nervous because no on-time payment has been made. And additional interest is accruing based on the outstanding balance of the loan that I can not pay down - either through a normal mortgage payment or through an additional principle payment. 

The new servicer also charges an additional fee for online payments that are made online ( the previous servicer did not ). That fee structure escalates throughout the month, {$5.00} after the 5th of the month, and {$10.00} after the 10th of the month. And so I will now incur additional charges to make my payment of additional principle because of this delay.

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 2019-03-19
Company: Continental Finance Company, LLC
State: TN
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:
Just started off with charges I didn't make. Undisputed is it was taken off told me to wait 30 days it will be complete. Initially they hit me it by XXXX they originally took the charges off. had made my balance correct what is the end of you waiting for it to be settled Last minute they charged back a payment to my cellphone company this very first charge I have made that was right around the amount they has overcharged me. Put my account in collections with the cell phone company had to repay p in 4 days that's how they fix me everything they took off my balance they said to make it right for the fraudulent charges and they had added made it right until last minutes they didn't charge back to my cell phone company for the amount that would have made it right.Said it was settled because I didn't know they had did that this is a plan that put me back in XXXX in the first month been downhill. Pull up in about another claim. It was about putting money from my bank account destroy employees two or three payments at a time it even tried to pull to pay off for a maxed out card. I felt was still wrong then turn around a week later and pulled off another {$42.00} payment and was trying to pull more of my account but it has grain my account in the bank will not pay any more overdraft I had not otherwise you probably didn't know isn't about them until the first watching my credit report it showed it paid off and completely just stopped and went on to pull more payments. I still feel like I'm in dispute. There's always going to be at the bank to it was closed and now they just keep getting my credit rating I don't have any trouble with my other card just this one this all happen in threes or 4 months after you open it. Go talk to the credit card company can was under the impression XXXX XXXX XXXX has bought Continental app but not the credit card division they're working on their own taking every dime they can can from their customers

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 2020-11-21
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:
These are not my accounts listed in this report. Please remove them. I also attached my personal documents to depict who I am. 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 2018-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
XX/XX/2017 during Hurricane Harvey we spoke with our mortgage company XXXX/XXXX XXXX and they agreed to let us work on a payment plan due to the devastation of the hurricane. They agreed to report the payments as being on time yet when I received a copy of my credit report the months they agreed to report as current are showing delinquency. I tried to dispute it with the bureaus thinking the problem was they were not communicating with the company but they indicated they did. I was told buy XXXX/XXXX XXXX it shouldn't be reporting late. I don't know what else to do can you  please help me get this resolved?

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 2021-04-06
Company: Experian Information Solutions Inc.
State: PA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am a victim of identity theft. So I made a police report and submitted it to Experian and the other credit reporting agencys. Then the next day experian emailed me back saying my police report was fraudulent. Which is not true. My police report is not fraudulent I went to the police station and filed my report and got a copy of the report. And that is what I submitted to them. Them accusing me of fraud is very hurtful and insulting. I was so shocked and disgusted when and offended when I saw that email response from experian. I am attaching a copy of the police report and a copy of the email to this complaint.

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 2018-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 contacted XXXX XXXX on Wednesday XX/XX/XXXX because there is a late payment being reported on my credit report in XX/XX/XXXX. The representative stated he saw no late payments in my history but he could not go beyond 180 days in the past. I have never been late with my payments. I still have a current open account with XXXX XXXX that I want to keep.

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