BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Ive contacted capital one several months ago to notify them that I was impacted by Covid -19. Capital one advised me they will document my account and waived my payment. I kept making payments and one month I did make a payment late. When I spoke to the representative to advised them of my financial situation, I do not recall that I was advised to call each month to get assistance. I was under the impression that I can make my payment late and will not be impacted negatively.

My account was reported 30 months past .All my other creditors accommodated me and never reported me negatively. Im grateful I was able to get back my full 40 hours and Im Current. Im in the process of getting my mortgage modified / refinance and just found out this negative past 30 days will forfeit me getting my mortgage where my family and I can stay in the home with a reduce mortgage amount. 
Ive contacted capital one for assistance to help remove the 30 day late on my credit report and was advised to dispute this with credit agency. I was also advised there is nothing they can do and to reach out to executives disputes department.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-18
Company: DISCOVER BANK
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15
Company: AES/PHEAA
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I received a call from XXXX XXXX XXXX XXXX ( XXXX ) and agreed over the phone to have them consolidate and service my student loans. 
The next day I decided that it was a bad choice and overnighted a termination ( within 72 hours ) of the contract which I had signed the previous evening. 
The letter was un-deliverable to the address on their letterhead ( I have XXXX log of delivery and call attempts ) nor does anyone answer the phone that is also on the letter head. I have a copy of the letter as well as the un-opened package that XXXX was unable to deliver. 
Soon after they started to bill me for their services. I sent the log of the delivery attempts to the service ( XXXX XXXX XXXX XXXX ) they were using to collect payment. They agreed that I had done everything correctly and I received no more bills. 
At some point my student loans that were being services by XXXX XXXX were paid off. 
A couple of weeks ago I received a notification that I had late payments on my student loans. From the credit report I found where the loans went to but I had no access to the accounts. 
XXXX ( XXXX ) transferred my loans and created a new promissory note in my name. The note had their address and their telephone number. They sent me a XXXX for student loan interest which was also delivered to their address. 
They created a new loan with a promissory note in my name, affected my credit report which directly affects my work as a contractor with the Federal Government. 
In addition the address ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca. XXXX ) that they are using and that also appears on my credit report is associated with multiple counts of fraud which are now related to me when running criminal reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-06
Company: Real Time Group, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I recently received a letter dated XXXX XXXX, 2015 from " REAL TIME RESOLUTIONS, INC ''. The letter states I owe a debt of {$3200.00}. The letter states the creditor is XXXX XXXX XXXX. 

On XXXX XXXX, 2015 I sent a certified letter to REAL TIME RESOLUTIONS, INC informing them I have no loan agreements with XXXX XXXX XXXX and I do not have a loan debt in the amount of {$3200.00}. I requested any future contact regarding this matter be in writing. 

A XXXX search reveals both companies are supposedly owned by a man named XXXX XXXX XXXX. I have not had any direct business dealings with this person.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15
Company: Aldous & Associates, PLLC
State: NC
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I spoke to Aldous & Associates " Attorneys at Law '' I have been getting harassing calls since XX/XX/2016.. Today I called in wanting to inquiry the validity of the debt requesting more information man named XXXX identified himself as the supervisor was very rude, kept demanding balance in full before verifying validity of debt. He was very argumentative, denying me speaking to someone else, denying request for validity of debt. Verified wrong address, would n't let me discuss kept saying well that 's what fit for life sent us. XXXX also denied me speaking to another supervisor, was over talking me, I could n't believe a person representing this company speaking to me in the tone he did, it really surprised me knowing he represents attorneys at law knowingly and willingly violated several laws regarding collections..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-02-04
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I had a car loan with Wells Fargo and would like to know if Im one of the person thats entitled to a refund from the lawsuit

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 2023-01-23
Company: DISCOVER BANK
State: LA
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:
XX/XX/XXXX I reached out to XXXX XXXXXXXX XXXX and discover about fraudulent credit cards opened using my information I have yet to receive call email letter or text about the status of their investigation and try to remove fee of {$2000.00} opened with debt collector XXXX XXXX XXXX in XX/XX/2022. On XX/XX/XXXX I found a charge of {$1500.00} opened on XX/XX/2022 form a new discover card. lastly is a {$300.00} charge to a XXXX XXXX account that is now closed. I have tried calling the respective agencies and have had no further update on the matter. I have tried filling police reports in XXXX XXXX where I live and in XXXX XXXX tn where the fraud address are located. The discover accounts do have phone number and emails attached to them that have been told to me but have not been written down

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-19
Company: Medical Business Bureau
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I check to my credit report and see mbb I have reached out to them several times and yet to hear back from them. I reached out to the credit bureaus and they say to contact them directly. my credit is being affected by something that is not mine.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: Experian Information Solutions Inc.
State: CA
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:
We started working with XXXX XXXX of XXXX in XXXX to secure financing in advance of finding a vessel after we sold our existing vessel. 
We gave them all of our financial info, credit scores, etc. and requested no hard inquiry on credit bureaus until we actually sold our boat and found the new boat we wanted. 2 weeks ago we sold our boat, and found the boat we wanted. We were XXXX and XXXX credit scores, we are putting 50 % down on the new boat, have plenty of income and no debt. One 5 year boat loan that has always been paid on time and will be paid off in 2 years. 
We were informed Monday XX/XX/XXXX that nobody would touch our loan because we pay everything off monthly, we have no debt, and theyve never seen a credit history like ours before. 
We secured financing from our own credit union that day. I was mad but we moved on. 
Now we are getting hard inquiries days later and my credit score has dropped XXXX points. Why would that be happening after they told us no one would touch us and weve moved on?

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 2016-01-14
Company: Aldous & Associates, PLLC
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
On or about XXXX/XXXX/16, XXXX XXXX from Aldon & Associates contacted my aunt XXXX XXXX by phone stating that they were looking for me for a legal case # XXXX. XXXX XXXX has never been listed on any application I have submitted. This creditor is randomly contacting individuals with the last name XXXX disclosing personal information relating to a debt I do not know about. She resides in XXXX, MO and I have not lived in XXXX in over 12 years. Furthermore, XXXX XXXX is a mental health patient whom suffers from XXXX, XXXX and has a XXXX issues. XXXX XXXX contacting her has caused her to have a XXXX and she was XXXX on XXXX/XXXX/16 because of the threatening nature of the call which set her off on worrying that there was a legal case pending against me. On XXXX/XXXX/16, XXXX XXXX received a call from the same company but from a XXXX telephone number but they left the same XXXX number for me to contact them. They are operating outside of FTC guidelines for debt collection practices and disclosing personal information to individuals that they are not legally authorized to do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16
Company: REGIONS FINANCIAL CORPORATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I was charged {$72.00} in overdraft fees on XXXX. Last time I called about a fee I asked if my line of credit could be setup on my checking account and to opt me out of overdraft. I was lied to about this and was charged {$72.00} overdraft fees due to this. I am on a fixed income and can not afford to pay these fees due to their mistake. XXXX of the fees was for {$3.00} that should have declined due to being opt out. I never signed a form opting me into overdraft coverage and asked to see if but was told they did n't have it. Please help me get all {$72.00} refunded.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XXXX / Synchrony Bank issued a zero interest loan for purchases made in XXXX of XXXX, until XX/XX/XXXX. 
Initially the monthly payment due was {$45.00}. 
I set up BiWeekly and Monthly electronic payments with my bank for a total of {$55.00}. 
These electronic payments would debit from my account in one, but never more than two days. 

In XXXX of XXXX, Synchrony Bank arbitrarily raised the monthly amount due to {$53.00}. 
Synchrony Bank 's arbitrary raising of the monthly payment was an attempt to collect fees on an account that does not provide Synchrony Bank interest or fees of any kind. 

In XXXX of XXXX, Synchrony Bank debited a payment from my bank account on XX/XX/XXXX ( the due date ). 
On XX/XX/XXXX, Synchrony Bank posted the XX/XX/XXXX payment to my Synchrony Bank account, and then imposed a {$28.00} late fee, even though Synchrony Bank received the bank funds on XX/XX/XXXX. 

Synchrony Bank then raised the monthly amount due in XX/XX/XXXX to {$66.00}. 
The late posting thus incurring additional late fees and then interest. 

The late posting of the XX/XX/XXXX payment to the Synchrony Bank account is predatory in nature and an attempt to obtain fees that the zero percent account would not normally afford Synchrony Bank. 

This is a common and ongoing practice of Synchrony Bank, and needs to cease. 

These fees now total {$230.00}, and are continuing.

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 2020-01-10
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: Account status incorrect

Complaint:
Experian is reporting the following items inaccurately ( see enclosed ). This violates the 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 non-monetary relief
Consumer complaint received 2020-01-10
Company: Navient Solutions, LLC.
State: WA
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:
XX/XX/20 Attempted to make a targeted payment to one specific loan online. Have done this multiple times before. Was unable to complete my transaction, Navient system only let me pay to full principle and interest. 

Called Navient : Found our that my paid ahead loan was on hold until the payments caught up and that I could not pay that loan. After a very confusing and untrusting conversation, I am unclear of my options and feel my account/repayment has been compromised. This is not the first time something like this has happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10
Company: Northstar Location Services, LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Northstar calls me every day from this number - XXXX XXXX XXXX - trying to collect debts from someone who I do not know/does n't live at my address. I have no debts of any kind. I have tried to tell them not to call b/c they have the wrong number, but they hung up on me. This have been happening every day since XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11
Company: Pinnacle Credit Services, LLC
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I was denied credit so I pulled my credit report. I found a collection account had been placed on my credit report that I have no knowledge of. I was never notified before it was placed into collections. This is a violation of the Fair Credit Reporting Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: Square Inc
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
I received a direct deposit from Michigan unemployment my cash app account. I was able to use the card that I had requested from cash app to make three small purchases. After which point they have frozen my account and only access to funds. I have reached out to the company via email and XXXX as they have NO phone number for contacting a human representative. I have not gotten a response as to the issue or a solution. It has been over three days since my initial contact with the company and no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07
Company: EQUIFAX, INC.
State: GA
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:
According to the new law effective XX/XX/XXXX, 2017 public records/tax liens must contain minimum identifying information and be collected at more frequent intervals. A minimum report of Name, Address, and SSN must be included in the Public Record. The tax lien being reported on my credit report does not meet these minimum requirements and should be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
AFTER REVIEWING MY CREDIT REPORT, I HAVE IDENTIFIED A FEW INACCURATE ITEMS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAS CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. PLEASE RE-INVESTIGATE THESE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30
Company: Bread Financial Holdings, Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The company calls repeatedly day after day and threatens legal action if caller does n't call back by certain time. I share the same last name as the person they 're trying to contact but the first name is different. They use threatening tones and stress the importance of calling them back or they say will be progressing it further.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: EQUIFAX, 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 noticed on my credit report there some accounts that I did not authorize or belong to me. 
Here are accounts on my credit report that do not belong to me and believe that this is an act of fraud. I have a legal right to dispute the following accounts : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXXXXXX. # XXXX I have never received a single notice from any of the above-mentioned companies.I request validation and detailed verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
TransUnion is reporting the following items inaccurately ( see enclosed ). This violates the 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 2017-08-30
Company: Experian Information Solutions 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 've disputed this account before, and still have not seen proof that this account is mine per FCRA section XXXX. It 's just being verified verbally without supporting evidence that it 's mine. XXXX is the old complaint, I know for a fact that account is not mine, show me my signature that it is. Still waiting for a fair shake from these people. Maybe my next step after this should be the FTC, or the attorney General.

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