BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-02
Company: ENCORE CAPITAL GROUP 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:
On XX/XX/2019 I sent Midland Funding a letter letting them know that the information that was requested of them was invalid and that they needed to stop reporting negative information to my credit reports and the accounts should be closed and removed from my credit reports. Midland funding did not provide the proper proof for the accounts. They only sent me a print out of a bill, which is not valid proof of verification according to FTC opinion letter from XXXX XXXX XXXX XXXX. I sent this information to Midland Funding and they continue to report negative information to my report and did not respond to my letter. Their reporting is a violation and continues to prevent me from moving forward with my business to provide for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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:
Three credit cards were opened in my name. 
XXXX XXXX XXXX XXXX for {$500.00} Capital One for {$3200.00} XXXX XXXX for {$330.00} I have reported these cards to the perspective companies. The accounts have been closed and are under investifation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
After reviewing my credit report I found personal items that are not correct. 

My name is XXXX XXXX - please remove XXXX XXXX XXXX and XXXX XXXX XXXX My telephone number is ( XXXX ) XXXX - please remove ( XXXX ) XXXX My address is XXXX XXXX XXXX, XXXX XXXX, CT XXXX - please remove these addresses that I have never lived at or may belong to relatives. 

XXXX XXXX XXXX. XXXX XXXX, XXXX, CT XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX, XXXX XXXX, CT 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 2020-11-01
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
After reviewing my credit report I found personal items that are not correct. 

My name is XXXX XXXX - please remove XXXX XXXX XXXX and XXXX XXXX XXXX My telephone number is ( XXXX ) XXXX - please remove ( XXXX ) XXXX My address is XXXX XXXX XXXX, XXXX XXXX, CT XXXX - please remove these addresses that I have never lived at or may belong to relatives. 

XXXX XXXX XXXX. XXXX XXXX, XXXX, CT XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX, XXXX XXXX, CT 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 2020-11-01
Company: William D. Meeker Enterprises, Inc.
State: GA
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:
CIC Credit reported an unauthorized inquiry on my credit report on XX/XX/2020. I did not authorize this inquiry from this company, but the inquiry shows up on my XXXX Credit Report. I have contacted this company regarding this issue and they told me to contact the bureau and create a dispute with the credit bureau. Once I have done that, nothing happened, and the inquiry was not removed from my credit report. Furthermore, I have contacted XX/XX/XXXX and they told me that there was not a formal dispute process for disputing inquiries off of credit files. They have further told me that their process was that they send out a notification to the creditors to have them remove it. XX/XX/XXXX have done that three different times, and nothing happened, and the unauthorized inquiries still remains on my XX/XX/XXXXreport. I am very disgruntled regarding this matter and my next steps is to file a small claims lawsuit with the courts if this matter is not resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01
Company: KEYCORP
State: NJ
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 was in a re-age program for 3 mos, paid per terms of agreement and then went back to normal payments per said agreement. Company is reporting me ( shows on my monthly statement ) that i am in a loss mitigaton program which i am not nor have i ever been as a reage program is not loss mitigation. I have contacted XXXX XXXX via voicemail ( she was my point of contact during this ) no less than 15 times and have not rec 'd a response nor do i see the verbiage off my monthly statement. I have written a letter to both the office of chairman, XXXX XXXX and XXXX XXXX all without response, written or phone call. 

I want this reported current and accurate to the credit repositorites and i want the verbiage that i am in loss mit off my monthly statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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: Overcharged for something you did purchase with the card

Complaint:
I am submitting this complaint due to Capital One charging me for an unauthorized charge on my card and not refunding my money. 

In XXXX, 2020 I had used a translating service " The XXXX XXXX '' to translate two doucments for the agreed upon price of {$49.00} as the attached emails I have uploaded will clearly show. The lady who I was corresponding with ( XXXX XXXX ) knew that I had two degrees that i needed translated as the attached emails will show. However i received an email a few days later saying that I would have to pay another {$57.00} to have both degrees " Credential Evaluation Translated '' even though I had already told XXXX before I paid anything that i needed two degrees translated .Furthermore the XXXX XXXX told me that if I want to move forward with paying the extra {$57.00} that I have to respond back with the last 4 digits of my card number and I never did that. I sent a reply back saying that I would need them " Credential Evaluation Translated '' but asked them " shouldnt the credential evaluation academic equivalence been in the quoted price? '' not authorizing them to charge my card another {$57.00} that I never agreed to, however they moved forward and charged me anyways. All these emails can be seen from the files i have uploaded. 

I contacted The XXXX XXXX the following day to ask them why they charged me another {$57.00} when I did not authorize it. The lady i talked to on the phone said that she would have the billing deparmtment contact me which they never did. I disputed the charge on my credit card ( Capital One ) and they gave me a " provisional credit '' but later added the charge back to my card. So i faxed them over all the emails i had to prove i never authorized the {$57.00} but they responded back as " the case is closed ''. 


The extra chagred occurred on : XX/XX/2020 for {$57.00} The provisional credit was added on : XX/XX/2020 for {$57.00} The {$57.00} ( Purchase Adjsutment ) was added back on my card : XX/XX/2020 I faxed over all the evidence on XX/XX/2020. 

I received a " case closed '' letter that night on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-12
Company: WELLS FARGO & COMPANY
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have had a private student loan with wells Fargo since 2009 i have made over 48 payments and have never been late only when they did n't allow me on forbearance i have tried to refinance my loan to get the current competitive rate since it is 8.9 %. They simply use the credit score which in my opinion is only one factor. they should consider that i have been able to afford to make my payments on time even though they are charging me super high interest. it does n't make sense that they can keep taking advantage of me because i dont have perfect credit. i would think that the payments i have made without defaulting should count as merit.

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 2023-01-25
Company: CITIBANK, N.A.
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: Account status incorrect

Complaint:
Accounts from XXXXXXXX XXXX XXXX  Citi all show remarks that the account is managed by a debt counciling service. It is not longer managed by them as the account is paid off and the account is closed and paid as agreed.

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 2020-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
On XX/XX/2020 i disputed an account ( XXXX XXXX ). In the results of Transunion first investigation with Account ( XXXX XXXX ), Transunion stated in writing that they verified that this item ( XXXX XXXX ) is being reported correctly? with SEVERAL INCONSISTENCIES ( shown in attachment ) reported on this account how could you verify it? Who verified this account? This is not a request for VERIFICATION or proof of mailing address but a request for VALIDATION made pursuant to the above-named Title and Section. Now, I respectfully request that Transunion provide me with competent evidence with an original contract/agreement, the promissory note between Consumer and original creditor, bearing Consumer wet-ink signature.

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 2020-11-01
Company: WELLS FARGO & COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
My ID and debit card were stolen and my account was hacked l am trying my best to resolve the issue with my back. A cashiers check was authorized and took {$5200.00}

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 2019-10-22
Company: CITIBANK, N.A.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
We are participating in a debt relief program and all of the companies in which we owe debt in the program, were notified of our situation and the program by XXXX XXXX XXXX. 

On XXXX, XX/XX/2019, a debt collector, XXXX, from XXXX XXXX XXXX, contacted my husbands work number. The phone number that they called from was XXXX. The phone number that they told my husband to call was XXXX. It is not okay to call my husbands employer regarding this matter, especially since they are aware of us being apart of the program and trying to pay this debt. 

If you have any questions for us regarding his matter please contact us. 

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 2023-06-12
Company: EQUIFAX, INC.
State: IN
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:
This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-26
Company: Bread Financial Holdings, Inc.
State: ID
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:
Reported that account was 30 days past due. Made a payment before the cycle date. Account is no longer past due but reported payment late for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31
Company: AFNI 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:
Looking over my credit report and noticed there was an account that does not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The following account is listed below : XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: EQUIFAX, INC.
State: WA
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:
To Whom It May Concern : I sent a request for the method of verification to Equifax via certified mail. I got back an updated credit report from with before and after the dispute process no method of verification for the State Collections I requested In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy and completeness of the information. 
Name, address, and telephone number of each person contacted regarding this alleged account. 
A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 
Any automated response or e-Oscar verification is unacceptable. I am requesting a re-investigation along with your method of verification. 

At this point the tradeline needs deleted. 

I can supply all supporting documents if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Background Information : My bank statements verify that I purchased this home in XXXX and have never missed a payment. Loan service provider at that time removed the XX/XX/XXXX payment to a suspense account to partially repay wrongfully deducted hazard insurance. The error was reversed and no further funds were withdrawn from payments. But the removed funds were never returned, incurring delinquency charges that I have never paid. Because of the error and improper late fees, my account consistently appears to be one month behind, even though I have never missed a payment. I sent multiple letters to the original servicer and to each subsequent servicer, providing documentation and explaining what had happened. Each company stated that the problem had been resolved, however I continued to be charged fees that I would never have incurred without the unapproved home insurance payment. 

A new service company assumed responsibility on XX/XX/XXXX. I wrote to them in XX/XX/XXXX affirming my position. They answered in XX/XX/XXXX that there was no discrepancy after reviewing records from XXXX to XXXX with the attached records showing no late payment. I would have to pay {$9100.00} immediately. 

The current issue and reason for this complaint : A recorded phone conversation to servicing on XX/XX/XXXX informed the service company that I would be paying principal and fees separately and asked for these two amounts on that day and routing numbers. On XX/XX/XXXX I wired {$270000.00} to the company with an expectation that the funds would be applied. On XX/XX/XXXX they returned that amount to my savings account, with no explanation why the payment was returned. I wired the funds a second time on XX/XX/XXXX and closed the savings account. On XX/XX/XXXX I received a notice of default with intent to accelerate and notice to initiate foreclosure on XX/XX/XXXX. I sent the late fees, {$9400.00}, on XX/XX/XXXX. That same day I sent the sum of {$3400.00}, a miscalculation of the interest on the principle for XXXX, XXXX and XXXX. The real figure was {$340000.00}. They accepted these funds as reflected in the XXXX billing. With the principal in hand, fees paid, and false interest tolerated, I had hoped that they would be satisfied. The principal was returned on XX/XX/XXXX, two months after the funds were wired to PHH, again with no explanation why the payment was being returned. XXXX XXXX applied the funds to my checking account. I rewired the principal to the servicing agency on XX/XX/XXXX. The principal was returned to my checking account on XX/XX/XXXX without explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Santander USA sold the loan to a company called XXXX XXXX I settled the account in XXXX when I was informed that both companies were it remove from my credit report.. when I spoke to Santander they told me to provide all information stating that the collection company is no longer reporting I did that the XXXX of XXXX and all they did was remove some remarks..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-31
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I believe American Express may be practicing predatory lending practices in the era of COVID. I was canceling my CC with them. I dont need it. But these days some folks do need them. I have XXXX FICO. Their promotional APR to keep me as a customer is 22.74 %. Holy cow! If that is for someone with a great FICO and never late payments, what is it for people that have hit hard times? Prime right now is 3.25 %. They we offering me something almost 20 % over prime. Of course I dont have to be their customer and now Im not. But what about those people dependent on these funding sources to supplement lack of income at this time? Is anybody watching this?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
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:
On XX/XX/2020 i contacted XXXX finance car loan company and XXXX XXXX XXXX to ask about a account that was open in my name XXXX account number XXXX and XXXX XXXX XXXX account number XXXX i asked them why this was reporting under my name when i did not authorize these accounts to be open in my name. i never gave them authorization to do so with my personal information. there contacted number is XXXX XXXX and XXXX XXXX XXXX XXXX i also contacted XXXX, XXXX and Transunion regarding this matter with no resolution.

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 2019-02-22
Company: First Technology Federal Credit Union
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
As the owner of the property XXXX XXXX XXXX, TX XXXX. 

I only need one Flood Insurance Policy. 

My Mortgage company ( First Tech Federal Credit Union ) made a mistake to pay premium for both insurance companies for the year XX/XX/XXXX-XX/XX/XXXX.

I made a complaint and advised them that I was trying to cancel one of the flood insurance and requested them not to send payments to both Insurance companies. 

However, they continue to pay premium for both insurance companies for the year XX/XX/XXXX-XX/XX/XXXX. 

My home is in the flood zone, so the mortgage company automatically deducts escrow money from my checking account. I have no way to stop them

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