BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, Capital One WITHOUT AND NOTICE froze my business checking and savings account with a total amount of {$57000.00}. As a XXXX XXXX, I have been banking with them for several years, XXXX XXXX  has been incorporated in XXXX. My corporation has never been audited by the IRS or fined in any way. Due to COVID, my business received both XXXX and EIDL assistance. Funds have consistently been used for rent, payroll, marketing, day to day operations, inventory, online fees in accordance with terms for both loans. Furthermore, the transactions and amounts withdrawn have been CONSISTENT for the past 5 years. After asking me questions for 3 hours, they refused to tell me why my account was frozen, what next steps would be, or timeframe. Meanwhile, my business for the past 12 years has been operating in good standing with all government agencies. With the pandemic, my business has been greatly affected and I have already missed thousands of dollars in payments, bounced checks, return fees, etc. I don't have funds to pay any of my bills at all and my funds have been frozen for absolutely no verifiable reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-07
Company: EQUIFAX, INC.
State: NJ
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:
EQUIFAX listed three fraudulent hard inquiries which they are unwilling to remove ( even with proof ) and that the other credit agencies do not report. Fraud inquiries on EQUIFAX report are : XXXXXXXX XXXX, XX/XX/XXXX ; XXXX XXXX, XX/XX/XXXX ; XXXX XXXX/XXXX, XX/XX/XXXX. I received documentation from XXXX and XXXX that these were fraud attempts to open credit ( I do not recognize nor authorized ) and no accounts were opened. I submitted documentation to EQUIFAX and their investigation simply states " these inquiries are factual ''. Today ( XX/XX/XXXX ) I received an alert for another hard inquiry on EQUIFAX from XXXX XXXX/XXXX for a fraud attempt ( confirmed with XXXX, agent # XXXX in XXXXXXXX XXXX   Fraud Dept ). This is another fraud attempt and EQUIFAX is unwilling to remove these incorrect/fraud hard inquiries from my report. My credit score is suffering with EQUIFAX. I will be making a major financial purchase soon and their unwillingness to remove the hard inquiries on my file will cost me a higher interest rate ( EQUIFAX MUST FIX THIS IMMEDIATELY - PLEASE HELP ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I reported the company and the Provider ( XXXX XXXX XXXX    XXXX XXXX ) to the California Dept of Managed Care, and the company admitted the debt was not owed and sent me a letter of XXXX debt. But every year I keep getting phone calls or letters from credit agencies about this even my insurance company XXXX wrote them a letter that the debt was not owed any more. But they keep trying to collect. I pay all my health bills on time, but nonetheless keep getting harassed by this company. I even submitted a complaint that they are harassing an Elder, as I am XXXX year old Senior Citizen and on Social Security. But I do not owe any debts for medical bills or any other services.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: EQUIFAX, INC.
State: AR
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 decided to get my credit pulled due to a couple of collection letters I continued to recieve in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report. XXXX  XXXX {$730.00} XXXX  XXXX {$1000.00} XXXX  XXXX  XXXX {$730.00} XXXX   XXXX {$1000.00} XXXX  XXXX {$730.00} XXXX  XXXX  XXXX {$75.00} XXXX XXXX {$300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07
Company: OLD NATIONAL BANCORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/20 I made a deposit of XXXX XXXX XXXX. I was give a receipt that totals XXXX. In the next few day I told the manager he said they would look in to it. After a few more days I returned to speak with the manager he instructed me to file a police report which I did. After waiting and hearing nothing I contacted the police and was told they couldn't help me. I send a registered letter to the bank and was told they couldn't help me I asked to see video tapes and they refused. My bank is Old National Bank in XXXX Illinois

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: Dynamic Recovery Solutions, LLC
State: GA
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 DYNAMIC RECOVERY would verify the debt. So I took it upon myself to ask DYNAMIC RECOVERY 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/2021. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02
Company: Fay Servicing, LLC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Before my loan was sold to Fay Servicing my loan never fluctuated. Now it keeps going up and up and their excuse is that my escrow is behind even when I have gotten my taxes lowered and my insurance lowered they still can not give me a good reason other than some figures that make no sense on a sheet of paper. I tell them that they need to explain this to me and they blow me off. I am being cheated by this company and I do not know what to do nor how to go any further. This is why I am bothering you folks, in hopes of getting some relief. Also, they will not refinance my loan or adjust it so my interest is lower because they are making a lot of money at my expense. My interest rate is 7.5 percent and they come up with many excuses why they can not lower my interest rate so they can make the money. They even blame the problem on the government. I think that after 18 years of on-time payments they would realize that I can make the payments but they say that my credit is not good enough and i do not show enough income to make this happen. This does not make sense to me. I am making my payments on time and have been so therefore they should see that I should have a lower interest rate. I feel they can make this happen but they are making way to much money at my expense to lower my rates. I think they are dirty dealing at my expense and i wish something could be done about it. Please help! Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I requested validation for the bankruptcies dismissed appearing as public records in my file. The credit bureau stated they verified with US Bankruptcy courts. The US bankruptcy court informed they do not share or verify with bureau. 
Per Civil Case No. 3:15-CV-00443-MHL, James Jenkins , Et Al., v. Equifax Information Service , LLC, the source is unknown for their information on these bankruptcies and due to this, has violated the Fair Credit Reporting Act ( FCRA ).

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: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
We called twice first asking them to reverse the money and they did reversed it for {$140.00} and then it came charging me the same amount same day. I told them I did not authorize that charge. Never did I ever would do that to authorize twice.

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 2018-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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:
Account it's obsolete and should be remove from my credit files, as exceed the max of 7 year in my credit file in 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 2018-02-13
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/XXXX my XXXX XXXX car payment was due of {$390.00}. 
I only had {$390.00} in my US bank account & due to low funds I was charged an over draft fee. Unaware, I paid the overdraft fee, but told them since I had {$0.00} in my account if they can prevent any payments from being swiped. 
They agreed, yet they allowed 4 other payments to go through saying that those are " automatic payments '' & cant do anything about those. I was really upset. 
I now have {$260.00} in debt with US bank so I have cancelled my bank card with them & no longer a member. 
However, I am here trying to fix my situation & not in the position to pay any of the funds, let alone the overdraft fees.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 sent this company a letter dated XXXX XXXX, 2017, to dispute inaccurate information from my credit report. Unfortunately, based on my new credit report and their response no proper action, the investigation took place. I am writing them and another letter which is attached to this complaint. In accordance with the new law, consumer assistance program, the items listed in my dispute letter are unverifiable. There has no citation of my FULL SOCIAL nor my DATE OF BIRTH. And despite this, this company did not remove these inaccurate, invalid items ; no lawful investigation took place violating the Fair Credit Reporting Act.

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 2019-10-02
Company: Experian Information Solutions 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:
TODAYXX/XX/2019 WHEN I WAS APPLYING FOR MY SONS AUTO LOAN, I GOT DENIED FOR HAVING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. I NEVER APPLIED FOR ANY OF THESE LOANS LISTED IN MY FTC REPORT NOR HAVE I GIVEN ANYONE PERMISSION TO APPLY FOR THEM, I HAVE NEVER AUTHORIZED 17 INQUIRIES THAT ARE REPORTING ON MY CREDIT REPORT EITHER. 

EXPERIAN REPORTING 7 FALSE INQUIRIES AND XXXX XXXX XXXX XXXX REPORTING 13 FALSE INQUIRIES XXXX  7 FALSE INQUIRIES AND XXXX 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 2018-03-29
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Contacted this agency to let them know one the amount that they were trying to collect was wrong. That I never received an amount close to that and that some of what I did receive was paid already. They did not want to here that and told me I had to pay all or nothing. Just dispute it. Which I have done to no avail. The amount is wrong and is almost double. I asked for a settlement and they said the settlement is the whole amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-07
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Consistently over the course of the past few months I have had my overpayments on my Federal accounts misapplied. I have called repeatedly to have them corrected. It seems quite deliberate at this point, considering the fact that each time I pay more than the minimum payment I am entering the total amount to be paid on each loan through their website. There is no way things are being miscommunicated between myself and Navient because you clearly type the amount in for each loan. The problem is 100 % on their end. A second issue involves the fact that I was told several years ago that Navient does not provide a reduced interest rate for automatic withdrawal from your bank account. when I previously had only been paying via handwritten check through the mail. Now that I have more recently started managing the account online and paying through e payments, I stumbled upon the fact that this is actually available and requested automatic payments for all of our private accounts and my spouse 's federal accounts with her permission. First, I am sure that this was available all along and they had previously lied to me about it. Secondly, when they finally began to process my request for automatic withdrawals they improperly applied it to the only account that I did not request it for ... my federal account. So as of right now they only applied it to the federal account that I did not submit a request for and I still have the confirmation saved proving which accounts were to be processed too. The remaining accounts that should have been processed with my private loans and my spouses federal loans no longer appear to be pending. The part that makes no sense is that their federal processing is separate from their private and is 2 completely different departments and phone numbers etc. So explain to me how they process a request for my federal loan to be on autopay when my request for my private loans to be processed was even separately submitted from my spouse 's request for her federal loans???. I have had it with dealing with them and want to know what I can do as recourse. Its just not fair. If i quit paying my loans because of what I am convinced is deliberate mishandling at this point, it will only hurt my credit score etc and it appears that they are immune to reprisal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13
Company: Freedom Mortgage Company
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX Freedom Mortgage received my normal, regular mortgage payment that I have sent to them for years through my bank 's bill pay account. Their 'cash handling department ' misapplied that payment as an escrow payment. In early XXXX the error was caught. We spoke with Freedom Mortgage about it and they put in a ticket to get it resolved, which they have failed to do. Everyone has been nice that I've spoken with but after a dozen phone calls and 4 different solution dates that they have given me, the problem persists. In the meantime my other payments have been processed properly but they went ahead and reported me as late to the Credit Bureau agencies causing my credit score to drop 65 points. They keep telling me that the cash handling department has to fix this and yet there is no way for me to speak with that department. There should be some recourse ; some government body perhaps that has oversight over these kind of abuses.

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 2021-02-07
Company: Self Financial Inc.
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Requesting my total refund amounts in the amount of {$500.00} prior to XX/XX/2021 and {$36.00} prior XX/XX/2021 from Self because they closed my credit builder account at their own discretion without notifying me and I requested that my payout be sent back to my bank account instead of a check being mailed via to my address but as of tomorrow I will be most definitely disputing both charges through my bank. For your records for mines as well the credit builder account number is XXXX, loan number is XXXX and then the CD number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: EQUIFAX, INC.
State: IA
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:
Equifax was grossly negligent in the handling of their consumer data resulting in the leak of my personal information. In order to protect my wife and myself we will need to pay {$60.00} total to freeze our credit reports. In the next two years we plan on finding a place to rent then buying a house. This will cost us {$120.00} a time to thaw then refreeze our credit reports ( not to mention any other new bank account/insurance/or loan ) just so we have the illusion of financial safety. I do not believe that any of the credit bureaus should be able to profit from being grossly negligent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Many years ago I had a cook two cards with Capital One and one with XXXX  and each of those cards I was able to negotiate a pay for a deletion where I paid the account in full and they promised me that they were going to delete those accounts from my credit report and both of those companies have since reneged on the deal and they tricked me and manipulated me into paying these balances that I did not believe were mine in the first place in order to remove them from my credit report which are they went and they sent me a letter saying that it you know it was going to be deleted and I since have sent them this letter and I have not been able to remove these accounts from my credit reports are they have in my opinion in a committed negligence fraud and I would like to take legal action and sue them for all the violations that they made in these instances and him as I told them when I have calls are at least 10 times I have tried to dispute both of these are items so all three of these items are over 10 times with the bureaus and Ive been unsuccessful in each attempt and I have provided documentation to prove my case and these are for accounts that are paid in full and like I said they promised to delete them so they have reneged on their word and now they are costing me thousands and thousands in as they ruin my credit and I want them deleted immediately if they are not deleted in 30 days from this complaint I am going to pursue legal arbitration and Im going to take this up with the courts because Im done with this this is my last attempt to get a delete it if they dont delete it Im taking legal action 1000 % so thats it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07
Company: SLM CORPORATION
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have been steady paying back my student loans after they defaulted because of my old financial situation. however i got on a repayment plan and have been paying the loan back through a repayment plan for XXXX every month since XXXX of XXXX this has not been reflected on my report whatsoever. the same company which is sallie mae has the account although it has a status of charged off. If possible i would like the report to be wiped clean off my report or at least have them report my on time payments since XXXX of 2019

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation