BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-11
Company: EQUIFAX, INC.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please update it and remove the Inacccurate late payment on my account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Horrible company! I hav tried multiple of times over the past year to resolve this issue. This is NOT my debt! They keep calling and I keep telling them this is not mine. Ive disputed this through XXXX twice and they keep closing the dispute stating that its my debt. I am laughed at when I tell them its not my debt. Very unprofessional and rude. 

Take this off my credit, please! Identity theft, clearly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
Company: EQUIFAX, INC.
State: NC
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 attempted numerous calls with the bureaus in attempt to remove collection accounts and an installment account on my credit report which were results of identity theft. The accounts are still listed on my credit report. I have attached the FTC report for my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: SYNCHRONY FINANCIAL
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
SYNCB/Sams Club is reporting an account as outstanding on my credit file ; however, I contacted Sams Club and was advised that there is no balance due. I requested that this is reflected as zero/PAID IN FULL on my credit file, however, report is still showing this amount as delinquent.

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 2023-02-16
Company: Resurgent Capital Services L.P.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Lvnv funding which is debt collectors accessed my credit report without my permission according to 15usc 1681n they violated my rights 3 times and must pay me per each violation by accessing my credit report they must pay XXXX for each totaling XXXX and must remove negative items from my credit report they also bought debt that was charged off in which they failed to show me actual paperwork bearing my wet signature

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This is a follow-up to a complaint I filed XX/XX/2020 with the case number XXXX. My complaint was against unnamed callers who have been calling for two years attempting to collect a debt owed to HSBC they have connected to a street address I lived at over ten years ago. I have no memory of ever having a line of credit with HSBC. I have had my credit score checked numerous times since these calls have been coming in and this debt has never appeared. I have made large purchases where my credit was checked and this HSBC debt was never mentioned. The callers have been abusive while threatening legal action and saying the name of my current address to perhaps scare me into paying them ( They only accept credit card payments over the phone ) I have already submitted all the phone numbers they have called me from in my previous complaint. 

I received a return letter from HSBC XX/XX/2020 stating there was no record of my name in their system and that none of the phone numbers provided had any affiliation with HSBC. 

But last week on XX/XX/2020 I received another robocall voicemail from the phone number XXXX XXXX XXXX. As usual, they do not announce where they are calling from, just that they are looking to verify my current address and place of work to proceed against me. They said they will be calling the human resources department at my work to move forward in their actions. But their client ( whoever that is ) is willing to settle if I got in touch by the end of the day. They ended off the call telling me this is a final warning and telling me to call this number : XXXX XXXX XXXX. They gave me a case number of XXXX. 

I thought I went through all the proper actions to get these calls to stop. How can I finally be done with receiving these calls? I do not owe this debt they have been harassing me with for over two years. I have asked them to provide more information on this supposed debt and all they tell me is it's from HSBC and the amount ( which fluctuates every time I ask ) There has been no attempt to provide printed documentation of this debt. As I stated above, these calls have been coming in for two years now. I would like them to stop without me resorting to hiring a lawyer. I am a man who suffers from XXXX XXXX on a fixed income and I can not afford such things. 

I just want the calls to end and I would like this unnamed organization to be stopped from harassing people.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-25
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
When I exited XXXX school in XXXX I was prepared to enroll in the income based repayment and I knew what I needed to do. It was early XXXX between XXXX and XXXX this took place if I'm remembering correctly, I knew I needed to provide a income statement or a letter stating I was not working as proof of no income. Multiple time Navient told me they did not know what I was talking about and this persisted for months. I had multiple phone calls, but it was not until approximately 3 months in a Navient Employee actually walked me through where on the website I needed to submit the letter stating I had no income. This little fact cost me almost {$30000.00} in capitalized interest. When I'm a XXXX  student who had almost {$200000.00} in debt adding an additional {$30000.00} was just demoralizing. I can honestly say I haven't challenged this previously mostly out of embarrassment. This has happened to fellow classmates of mine and companies like Navient are banking on the fact we won't fight it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 was in the process of buying an ATV for summer fun. As I was looking for the one, I liked, the saleswoman that was helping me with the process told me she needed to check my credit to make sure I qualified. When she got my report back, she told me I was not eligible. I asked her to show me my report and there are several derogatory items that do not belong to me. These items are not mine and need to be removed as soon as possible. I have been a victim of identity theftXXXX {$360.00} 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 explanation
Consumer complaint received 2023-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-09-06
Company: CREDIT ACCEPTANCE CORPORATION
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
This lawyer keeps taking me to court without me being notified

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 2019-06-02
Company: EQUIFAX, INC.
State: MI
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:
XX/XX/2019 XX/XX/2019 XX/XX/2019 Equifax has been practicing illegal tactics against me and its effecting my credit report negatively. They are reporting a bankruptcy/public record on my credit report. They are using third party companies to report this information. Which is illegal. I have been asking for a method of verification and they will not provide me with any method of verification Ive asked of them. I have a letter from the the U.S Michigan bankruptcy court stating that they DO NOT provide credit bureaus with such information or third party credit reporting agencies. My XXXX  report is also saying thats theres no bankruptcy reporting. Please make them remove this bankruptcy public record and all accounts included. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
FILE A DISPUTE XXXX  XXXX  XXXX  XXXX XXXX The account is not in deferrement status. The account is closed/paid in full. 

Please correct comments. Please remove negative deferred comments. 

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 2019-09-06
Company: CITIBANK, N.A.
State: MD
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:
Originally, I used the credit card to pay a year of phone service on my brother 's ( XXXX ) account with mint mobile on XX/XX/2019 in the amount of {$190.00} billed as XXXX XXXX XXXX CA. However, on the same day the phone payment was placed on a security hold SECURITY CREDIT-ITEM UNDER INVESTIGATION. 

Because of the problem, I have had to use another credit card XXXX XXXX to pay for the phone service, because once the charge was reversed, the phone company disconnected my service. I also called into Citi soon after, letting them know that the charge was legitimate. 

Citi reports that they reinstated the charge and paid XXXX XXXX on XX/XX/2019. However, XXXX XXXX has no record of the payment. So essentially, I have paid XXXX XXXX three times, once from Citi ( reversed ), once from XXXX XXXX, and again from Citi ( after the security hold was lifted ). However, they only have a record of the XXXX XXXX   credit card payment and the reversed Citi payment. 

My brother and I have called/emailed both XXXX XXXX and Citi multiple times. XXXX XXXX insists they have no record of the transaction and Citi transfers me repeatedly between customer support and their security dept, but neither can help me. Citi has reported that they are unable to dispute the charge as XXXX has recommended.

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 2019-06-02
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have a XXXX XXXX with Synchrony Bank and purchased several items on EASY PAY. XXXX states that no interest will be charged on the easy pay plan and interest is indeed being charged. I called the company and they reversed only 1 month of fees stating that they will do nothing further. I maintained that the TV hosts during the presentations always state that no interest will be charged on EASY PAY payments. I was told after the fact that this is only the case when the bill is paid in full. 
This is deliberate misrepresentation and I am being charged nearly {$30.00} interest on the EASY PAY total.

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 2023-08-16
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX XXXX XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was checking my bank account today XX/XX/2019 online and I found a fraudulent transaction by " XXXX XXXX CA XXXX '' for the amount of {$260.00} that I reported to the bank immediately by calling XXXX. The customer service representative cancelled the debit card and will be replaced this way there are not going to be more fraudulent attempts with this card

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 2021-04-08
Company: WAKEFIELD & ASSOCIATES, INC.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/XXXX  XXXX XXXX Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS
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: Card was charged for something you did not purchase with the card

Complaint:
On XXXX XXXX 2019, I noted three fraudulent transactions on my card. I immediately notified Capital One and they flagged all three and removed the transactions. 

On XXXX XXXX 2019, one of the charges reappeared, at XXXX for {$67.00}, dated for the XXXX  now. I reported this one as well, and received assurance that it was a duplicate and would be removed/investigated with the others. 

On XXXX XXXX 2019, I received notice that the XXXX transaction was deemed legitimate, and the others would be kept off. I called to dispute this the same day and was told that it was seen as legitimate for being delivered to someone at an address I've never had, with the same last name as me. The address they were provided by XXXX, which the representative also gave me, is not one I've ever had anything to do with and the name on the purchase was clearly <firstname> <lastname-that-matches-the-stolen-info>. I was told the charge would be removed. 

Today, XXXX XXXX  2019, I was notified by a separate spending-tracking app that the charge was not removed or otherwise was reapplied to my account, dated XXXX XXXX 2019. 

Capital One is charging me for something I didn't buy because it was already delivered to the thief 's address.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these account and inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX 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 2018-11-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I observed on my credit report that there was an account on Capital One that I did not opened. 

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XX/XX/XXXX CHARGE-OFF I contacted Capital One and sent them several letters with police report and have not received a response since. I spoke to their customer service and was kept being transferred over to different departments. This unauthorized fraud account with Capital One is severely effecting my life. I can not get a rent an apartment and I have been rejected from employment because of this. My credit is very good except for this fraud account reporting in credit report. I have disputed it with the credit reporting agencies as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-02
Company: MicroBilt / PRBC (formerly CL Verify)
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am attempting to place security freezes on my credit report with all reporting agencies. Although some make it much harder than it should be in the internet age, I was able to accomplish this task with all three of the majors as well as XXXX, XXXX, XXXX, XXXX and XXXX XXXX ( at least I was able to accomplish the request ). 

MicroBilt/PRC bounced me around through several points of contact before I found a document containing the following : Requests for a security freeze should be submitted via certified mail to MicroBilt / PRBC, Attn : Consumer Affairs Department, XXXX. XXXX   XXXX, XXXX, GA XXXX, and must include all of the following : a copy of a valid police or investigative report or complaint made under Section 32.51, Penal Code ; your full name including middle initial ( and generation such as JR, SR, II, III ) ; full current mailing address ; date of birth ( month/date/year ) ; previous addresses for the past two years, Social Security Number ; and a phone number where you can be contacted. Please be sure to include one copy of a government issued identification card, such as a drivers license, state ID card, military ID card, etc. ; and one copy of a recent utility bill, bank or insurance statement, etc. 

If this service is federally mandated to be free to anyone ( even if you haven't yet been the victim of identity theft ), how can " a copy of a valid police or investigative report or complaint made under Section 32.51, Penal Code '' be a requirement for the request?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-02
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
My name is XXXX XXXX XXXX my DOB is XXXX my SS # XXXX I have been a victim of ID Theft I am trying to get things back to normal however I have a ton of inaccurate addresses on my credit report still. 
My only name is XXXX XXXX XXXX please remove any other variations of my name. My employer is Ohio XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX, XXXX, OH XXXX. 

Please remove the following addresses they are not mine : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH 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