BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-21
Company: Financial Recovery Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I open a credit card in the store with XXXX two years ago I have not received a statement since. Then I received a letter from a collection agency stating I owed {$290.00}. I explained to XXXX that I never received any statements the representative stated that the statements were coming back to XXXX return to sender. XXXX had the wrong address that was why I never received the statements. However instead of calling me two years ago to correct the situation they just ignored the problem. 
When I called XXXX they told me the account was no longer with them to call the collections agency I called the collections agency and they staid to call XXXX back and forth for days with no results. The last person I spoke to was XXXX employee id XXXX she told me there is not anything she could do that I had to pay the total amount I feel this is a bank error and I should only have to pay what the original charge was {$44.00} not {$290.00} Also XXXX was rude and did not try to assist me in anyway. XXXX said over and over again that XXXX will not settle the amount that I had to called the collection agency who already told me to call XXXX for XXXX to waive the {$250.00} because it was a bank error The account was open in XX/XX/2015 agreed however the cashier entered my information and I was not able to confirm the address from the register therefore because I never received the card I forgot about the original charge of {$44.00} I did not receive a call from XXXX on XX/XX/2015 my question to XXXX is if you receive returned mailed from me why did n't anyone reach out to me why was all the late fees allowed to accumulate? 
This seems to be unfair, deceptive and fraudulent charges due to XXXX not following up or doing the proper due diligence for the customer XXXX is just trying to take advantage of a senior citiz

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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:
I took a trip to XXXX in XXXX. The hotel placed charges on my credit card that did not belong to me and when I contacted them about the issue, they confirmed in writing that the charges were for another couple. I disputed the charge with Capital One and provided that letter as well as the correct billing for my room and services which were paid for using another credit card, however, they claim that I did not provide them with the documentation that they requested and that they would be reapplying the charges that belong to another traveler to my credit card. This amounts to fraud on the part of the hotel and it is being sanctioned by Capital One. I need to know what my options are to receive a refund and to stop these fraudulent charges to my credit card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-04
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: Information belongs to someone else

Complaint:
I have contacted XXXX, experian, and XXXX many times about unauthrized inquiries on my credit file. They either don't respond, or they send me a very vague letter of response.

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 2015-08-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI
Product: Credit card
Issue: Advertising and marketing

Complaint:
Capital One continues to send me credit card offers in spite of my opt out recorded within the XXXX credit bureaus for all marketing offers. I repeatedly called their office to rectify and to this day, still receiving their marketing offers. I have never conducted business with them or its affiliates and presently have fraud alerts on my credit bureaus so not sure why they keep mailing these to my home. I have called in to take my name off of mailings, but they still continue to arrive against my request. This is a clear cut violation of law and completely out of compliance with Regulation P - GLBA Privacy Rule. Please take action to have them cease these communications. Honestly, I would never do business with them since they can not simply record my privacy preferences in an efficient manner, The offer is coming from Capital One, XXXX XXXX XXXX, XXXX, VA XXXX. The product offer states " Venture One Rewards '' expiring on XXXX/XXXX/15. It is labelled " your no hassle application ''. Reservation # XXXX, Access code XXXX. Such actions are annoying, abusive and a real inconvenience to have to continuously take action when several reasonable attempts were made to stop. All I want is for them to remove me from their mailing list and systems. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
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 belongs to someone else

Complaint:
I demand the deletion of the fraudulent inquiries listed below which all resulted from the Reported Incident of Identity Theft. 


FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 8. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 11. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 12. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 13. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 14. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 15. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I have a collection from XXXX in the amount of {$580.00} on my equifax credit report. I disputed thaat item with XXXX who in turn were unable to validate. Subsequently they sent me a letter stating the account had been closed and the would delete from all XXXX bureaus. The item has been deleted from XXXX and XXXX but is still showing on equifax. My letter dated XX/XX/2017 siad all further questions should be directed to the bureaus. So i called equifax and they instructed me to call the creitor back. When i tried to call the creditor i cant get through because as soon as i enter the account number the recording says the account is closed and the call disconnects. So i called equifax again. Equifax tells me theres nothing they can do aand they do not have contact informaation for the creditor. I offerred to send the letter i have from credit protection to equifax. They told me that would do no good. How can they not delete this item when theres no way to validate the debt? And i have a letter stating the order was issued to delete and the other XXXX agencies have already deleted the item.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-21
Company: Applied Resolutions Group
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
I work at a XXXX. THe following person keeps calling here and harrassing us. XXXX XXXX XXXX HE calls here sometimes XXXX times in a row. We are an XXXX. Every time he calls the employee he needs in XXXX OR not even here. When he starts to yell at me I have been told to hang up by my XXXX. He will call back and ask " is this the ignorant person i was just talking to? '' " you ; re not very smart! '' I have had at least XXXX calls in the past two weeks. Our district attorney has been contacted to stop the harrassment also.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: ALLY FINANCIAL INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

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 2021-03-04
Company: Experian Information Solutions 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 status incorrect

Complaint:
This complaint is about my auto loan with XXXX XXXX XXXX XXXX XXXX. The loan payment is due on the XXXX of each month. My understanding is that I have up to 30 days before the next due date to make a payment before it is considered 30 days past due and is reported to the credit bureau as a delinquent account. The last payment was debited from my account on Friday XX/XX/2021 which was the balance that was due for XX/XX/2021. However, the payment did not post into XXXX XXXX XXXX 's database until Tuesday XX/XX/2021, causing the account to become delinquent. This " delinquency '' was then reported to the credit bureaus. I spoke with the loss prevention manager, XXXX, who offered some pretty good advice, but subsequently was unable to do anything in regards to correcting this matter. 

Is it legal for a company/creditor to report a payment that was made before the " 30 day late payment '' reporting period if the actual payment was made within the 30 days, but did not post in they're system until 4 days later? 

Please advise. Thank you for your help.

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 2016-11-28
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Wells Fargo sent a letter advising of a systems change that was taking place and around XX/XX/XXXX XX/XX/XXXX of the month and that my normal payment would be taken from by checking account and it did, however they also took a second mortgage payment on XXXX/XXXX/16. This is causing significant issues with my checking account. I have called twice. The first time I called on XX/XX/2016 I was advised that they were aware of the issue and I would have my funds returned to my checking account within XXXX business days. I called today XX/XX/2028 since I still do not have the funds in my checking account and was advised that the funds were sent back on XX/XX/2016. I called my bank XXXX and they do not have any pending credits for my checking account. I feel this is not good banking business, who through doing this over a holiday week was a good idea? I have not been able to pick up a XXXX gift because I do not have the money and now it will cost a lot more to get. I want compensation of some sort as this is now affecting my ability to pay my monthly bills and issuing credit for fees will not be the answer.

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 2015-09-15
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I had a XXXX XXXX in XXXX and deemed XXXX in XX/XX/XXXXas a result of XXXX and XXXX. In XXXX of XXXX my then wife arranged to re-finance our home as we were falling behind financially due to my XXXX, she was given a loan in the amount of {$280000.00}. for a home valued at {$250000.00}. It was not until XXXX that I became aware of the re-finance which resulted in our divorce. 
The problem I have it that my wife was not working and had not worked prior to this re-finance and had no viable of repaying the loan, the home is currently in the process of foreclosure.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
I would like to thank you for the opportunity to address me concerns regarding Transunion ( consumer reporting agency ). This reporting agency ( Transunion ) has knowingly exposed my right to privacy and has put my reputation at stake which is a violation under 15 usc 1681 ( 4 ) Through my thorough investigated I have found that this reporting agency was reporting extension of credit that I initiated with these financial institutions showing payment history which should have been excluded from my consumer file. Is a violation under 15 usc 1681 ( B ) I XXXX XXXX XXXX ( Consumer ) have never given consent for this reporting agency ( Transunion ) to report Any information dealing with specific extension of credit which is a violation under the FCRA 15 usc 1681a ( 2 ) ( i ), Nor did i ( consumer ) give written consent to report Any accounts from XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX on my behalf is under violation of 15 usc 1681b ( 2 ). No consent is defined as identity theft. My reputation has put a restrain on me due to this un fairness of this consumer reporting agency. I'm extremely anger at this reporting agency putting me in such hardship of decisive unfair practice. If consumer reporting agency remits violations, please provide me and Consumer Financial Protection Bureau ( CFPB ) My initial signature between I ( Consumer ) and Transunion ( reporting agency ) authorizing consent to obtain and furnish my file, please provide to me exhibits to back this supporting claim of fraud. These are Federal violation under FCRA, and hope this complaint is taken seriously, if not my next step will be litigation if accounts listed are not removed immediately. I believe that i ( consumer ) have fully addressed my concerns of the validity of this matter, will still stands.

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 2015-06-30
Company: Convergent Resources, Inc.
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I live in XXXX and have so since XX/XX/XXXX. I have been contacted by a debt collection agency that I owe a debt of XXXX. I called and they said I owed XXXX. They said I had service at a address I never lived at and it was opened in XX/XX/XXXX to XX/XX/XXXX. I called a filed a police report and called XXXX. So I wrote to the agency immediately requesting to dispute and press charges. I get a letter a week later saying due to lack of information provided they been unable to complete my investigation. When I wrote them, I sent them the lady name which is XXXX XXXX XXXX and also her current address and current phone number. I do n't go to XXXX and have n't been since I left. I know XXXX from living on the same block with my mom. I had opened a welfare case and when we moved I vlosed my case and never had my mail forwarded and I 'm thinking she got it from mail. I know XXXX fraudulently used my information and I had no knowledge of it. I contacted XXXX when I received the letter but of course she denied using it and said that she lived at the address but do n't know how this could of happened and stated that she know I never lived there. I aslo told her I was pressing charges. She said she will wait on them to contact her.Please help. I looked on my credit report and it was never on my report. So this has been haunting me down XXXX years and how can I find out what else she might have used my information for? Thanks in advance for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
XXXX XXXX is reporting this account on my report ... I have written them 6 times as well as all 3 credit bureaus to validate/verify this account ... no one has been able to do so..in fact XXXX XXXX nor the credit bureaus have sent me anything back at all pertaining to this account ... .This account is not verifiable nor ablt to be validated therefore XXXX  has removed it from my credit report ... Why hasnt Transunion and XXXX  followed suit as they are supposed to? This is a violation of my rights ... .This account is not even reporting 100 % accurate as it is supposed to by law .... 

Date of Last Payment : Transunion XX/XX/XXXX XXXX XX/XX/XXXX -- -This has been reeaged Date Last Active : Transunion XX/XX/XXXX XXXX XX/XX/XXXX -- XXXXThis has been reeaged High Credit : Transunion {$4100.00} XXXX  {$3300.00} look at the 2 year history XXXX  is reporting a new charge off every month this is killing my score ... XXXXthey then report it as ok XX/XX/XXXX and XX/XX/XXXX after reporting a ton of charge offs prior ... 

My next step is contacting the state attorney general and a consumer attorney if this is not removed immeditaley

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 2022-08-25
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2021-03-04
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Today, XX/XX/2021, I attempted to get my Equifax consumer credit report and was DENIED computer access. Today, XX/XX/2021, I received notice of a change that NOT only pulled my credit score down, but prompted me of changes to my consumer credit report. I am formally DISPUTING, and RESPONDING, to XXXX XXXX XXXX XXXX willful, malicious, unlawful and FRAUDULENT credit reporting that I am 90 day 's past due on my vehicle loan account. I was DENIED, entrance into my consumer credit file [ Equifax ] via the internet today, XX/XX/2021. I am reporting, ongoing practiced unlawful DISCRIMINATION/HARASSMENT/RETALIATION ( Based on my recently filed CFPB complaint against XXXX  and XXXX XXXX XXXX XXXX ) ; Civil Rights violations ; Systemic XXXX oppression ; Fair Credit Reporting Act ; Financial status ; and all other applicable violations ( federal/local/state ) practiced by XXXX XXXX XXXX XXXX [ together ] with Equifax. It is apparent, that Equifax and XXXX XXXX XXXX XXXX have a illegal relationship, like XXXX  and XXXX XXXX XXXX XXXX and XXXX  and XXXX XXXX XXXX XXXX! I will fax, all supporting documentation to CFPB ( to be filed " only '' with CFPB FOR THE PURPOSE OF " ONLY '' THIS COMPLAINT )! ALSO, let the record show, that XXXX XXXX XXXX, doesn't have an account with XXXX and have NEVER had an account with XXXX. XXXX  @ XXXX. cc : U. S. DISTRICT COURT ; AND FILED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had two credit cards with this company and last year they cancelled one and just recently they cancelled the other. I don't use the cards much and pay them off as soon as the bill comes.

There was a huge hit on my credit score when they cancelled the first card and I'm certain I'll take another hit on the second card.

The credit card reasoning for cancelling my card was primarily my lack of use.

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