BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-18
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:
This consumer reporting agency is reporting inaccurate and false information on my consumer report, I have notified them on numerous occasions and they have failed to comply with the Fair credit Reporting Act. They are in violation of 15 U.S. Code 1681n ( a ) for willful noncompliance. 

XXXX XXXX falsely reported a late payment back in XXXX of 2020 on my consumer report which I contacted them to remove and update to the correct status and they agreed it was incorrect and should say paid on time, but it has been over 120 days since I have been reaching out to the company to fix this issue but they are ignoring me and failing to assist me in resolving this issue, which is hurting my ability to obtain goods and service under credit which is my right. 

They are also in violation of federal law 15 USC 1681 a ( 2 ) ( B ) for furnishing information that should not be included in a consumer report.

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 2020-04-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My son, who is in XXXX, used a Vending machine with his Capital One Credit card.He used it 4 times at this machine. 
XX/XX/XXXX : His purchase was XXXX and Capital One charged a cash advance fee of {$10.00} XX/XX/XXXX : His purchase was XXXX and Capital One charged a cash advance fee of {$10.00} XX/XX/XXXX : His purchase was XXXX and Capital One charged a cash advance fee of {$10.00} XX/XX/XXXX : His purchase was XXXX and Capital One charged a cash advance fee of {$10.00} He never entered a PIN. He never authorized the card to be used as a debit card but yet it was charged as a Debit transaction.He received no cash advance. But was billed {$40.00} for using the card. I requested a reversal of fees as he had no way of knowing of this was being charged as a debit transaction. 

Capital One states that they charge a minimum of 3 % or {$10.00} whichever is greater. This is an absurd charge. Capital One is getting the bulk of this fee. They are taking advantage of a consumer who had no idea of this excess charge. I recommended that they speak with the merchant and reverse the charges but they said no ( as they have no incentive to do that ). 

I spoke with XXXX ID # XXXX. I would appreciate your intervention into this matter and wish to have this matter settled with an official response in writing from someone in Capital One.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I called this company today ( XX/XX/20 ) because they have been calling me non stop at all hours of the day and week. They've called past XXXX XXXX  and they've called me as early as XXXX XXXX on a Sunday. When I called them today to find out why they were calling they were claiming I owed money on an account that I show as being paid off for years. I asked for the address to send a cease and desist letter and she refused to give me the information. She just kept telling me about the money I owed. I advised her I wanted proof and again she refused to tell me and eventually she hung up on me because we were both raising our voices and she again was refusing me the information to prove tminactuaoly owe this debt. Company is called Portfolio Revovery Associates in VA. Not to mention they are calling me this many times on a debt during a supposed state mandate in MA that says they shouldn't be doing this. She also mentioned this was going to court and legal action. After she hung up I did call back and finally got their address and fax to send the cease and desist, but even then this other guy had to ask permission to give out that information. They are located in XXXX VA. If anything this creditor owes me money as they continue to take money out of my account each month for a card thats paid off. I'm elderly and I feel that they are taking advantage of that fact. Shameful that they are doing this during a medical crisis as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-14
Company: NATIONSTAR MORTGAGE LLC
State: NH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Since XXXX of 2014, Nationstar Mortgage has been telling me I 'm in default, then they send me thousands of dollars in in check saying my escrow is in excess, then they sent me notice that my escrow account is in default ... I have been fighting with them every two to three months explaining their XXXX and getting my account back in order and balanced ... I 've emailed the attorney general and the better business bureau of Texas, with no results or no response at all ... I am in the process of changing mortgage companies to get out from under Nationstar Mortgage but, now there telling me I 'm a month behind according to the attached letter ... I 've literally had to call and battle with these people upwards of thirty times ... I do n't know what to do now as these people cant understand their own reports ( see attached ) ... They have processed my XX/XX/XXXX payment but are telling me it is due its still due ... additionally they have been stealing money from my payments for late fees but, I have never missed a payment since day One ... I need help in order to complete my refinance ...
( docs attached )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: EQUIFAX, 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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: Problem with personal statement of dispute

Complaint:
Trans union and XXXX  both have encouraged me with credit card offers to open bank cards. I had none. Upon their suggestion to help with my credit score I opened several now Im being told my credit score is love because I opened these lines of credit with these bank cards. Also my credit score with these two reporting agencies is XXXX and XXXX XXXX  my credit score is XXXX. How can they vary like this? Not to mention that Trans Union and XXXX  both show exceptional payment history with the cards I have! I have had these cards for over two years. I have no collection debt on student loan which I believe is incorrect as I received my tax refund which would have been offset if I owed a student loan. Something is not correct!

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 2022-10-03
Company: EQUIFAX, INC.
State: FL
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12
Company: WELLS FARGO & COMPANY
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: Account information incorrect

Complaint:
Wells Fargo could not pin-point of the itemized charges on our Visa Card. All WF did was sending voluminous ( 20 pages each time ) papers ( not its regular monthly statements ), It was arbitrary and irregular. Why we're forced to pay the arbitrary amount 'fabricated ' by Wells Fargo Visa ? There seems to be elements of their being maliciously creative. 

On hindsight, it might be unauthorized charges done by XXXX XXXX. But WF never clarified and gave us a chance to rebuke as a Credit company should do. 

XXXX XXXX is reexamining its incorrect report on its incorrect report.

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 2021-10-29
Company: Earm LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
They asked for a person that is not me. They have called repeatedly asking for someone that is not me. Despite me saying I am not that person and telling them to stop calling or I will file an official complaint, they continued to call. Not only have they continued to call, but their calls increased to several times a day.

Company response to consumer: Untimely response
Consumer complaint received 2022-09-12
Company: Albert Corporation
State: MA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This is a problem with the cash app ALBERT I have no way to access my savings account. 
The phone number is circularly referencing the app, which references the phone number. 
I want to make changes to my own account and access the {$2500.00} I have in there.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
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:
Once I was released from the hospital, I contacted Capital One customer service department and explained to a Capital One representative that I had been XXXX XXXX XXXX XXXX XXXX XXXX, which caused my payments to late. The original amount I owed on the Capital One XX/XX/2022 statement was only {$34.00}. When I released from the hospital in XX/XX/2022 the amount owed on the Capital One credit card bill had ballooned to {$140.00} after late fees and other charges were added. 

The Capital One representative stated she could not waive all the fees but she granted a partial waiver and waived some of the fees and I paid the credit card bill in full with the representative on the phone in the amount of {$63.00} via my checking account/ACH transfer. 

I informed the representative I was concerned about Capital One reporting the late payments to my credit reports. I have decent credit and have not paid a bill late in over twenty years. The Capital One representative told me she would notate my account that had been affected by XXXX XXXX XXXX XXXX XXXX XXXX  which caused the late payments. My Capital one bill had always been paid on time until XXXX XXXX XXXX XXXX XXXX XXXX 

Per the guidance provided by the Capital One website and representative my account would not be reported late to the credit reporting agencies/companies because I was affected by XXXX XXXX and due to the federal CARES Act and XXXX XXXX Capital would not report a late payment. 

Unfortunately, even after all the public assurances given on the Capital One website and by the Capital One representative I spoke with, Capital One did and continues to report late payment ( s ) to the credit reporting agencies, XXXX, XXXX and XXXX. Which has and continues to negatively impacted my credit scores. 

I have attempted to reach back out to Capital One customer service and I was told there was nothing they could do to remove the late pay ( s ) from my credit reports even if it was a result of me XXXX XXXXXXXX XXXX XXXX XXXX  I also attempted to contact Capital One executive office via email but did not receive a response from Capital One via email.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-01
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
Upon reviewing my credit profile I realized incorrect spelling and addresses in the personal section of my credit profile.

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 2017-06-14
Company: Experian Information Solutions Inc.
State: VA
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: Problem with personal statement of dispute

Complaint:
Opened a few investigations in negative credit reporting o f ninety d ays late. Response from loan servicer only responds stating " information reported was accurate, borrower did not request forbearance until  XXXX   XXXX ,   XXXX   ' This in absolutely NO WAY provides a response to the information presented. I understand that forbearance was not requested until  XXXX  because I had no clue that I was in repayment until  XXXX . The statements were being sent to the  XXXX  University email address that I no longer had access to. Not being properly notified of a statement, especially when the repayment first begins is a valid reason for correction with all   XXXX   credit bureaus.     I could not have put my account on e-statements because I just created an account with fedloanservicing. org in  XXXX . The issue is that if I had been made aware of the repayment start in a manner accessible to me, I would never have needed forbearance. Continuing to deny and stating the information is accurate is not providing a response to the issue that caused the problem and the agency refuses to correct their mistake.

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 2021-11-18
Company: EQUIFAX, 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:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are still reporting on my Credit Reports and need to delete completely from my Credit Report : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: Upgrade, Inc.
State: TN
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 today XX/XX/2021 that my XXXX XXXX had dropped and I was in total shock it was because there's a loan on it from XXXX XXXX that appears as upgrade I never ever applied for this loan I wouldn't know how to this is a fraud and scam by someone who might be close enough to me to have all my personal information it isn't fair for me to have to pay back a loan that I didn't apply for in the first place. This loan is ruining my credit. They should be more careful when giving out loans to people and should remove their loan from my transunion and XXXX account. I don't have an address associated with the address of that loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: DISCOVER BANK
State: NY
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:
On XX/XX/2022, I had mailed the payment in. The account was not credited until I called and reported my missing payment. After I called about the missing payment the credit was applied to my account. I received another bill a few days later and sent in another payment. The payment was delivered with certified mail and a return receipt. I tried using my card to make a payment on something and the card was declined. I called today and was informed that the account was closed. They would not provide me with a reason why the account was closed. I also inquired about the payment that was delivered and not applied to my account and they told me they did not receive it. I told the agent they did because I have the return receipt card in my hand while it was delivered today. I requested my payment be returned and they would not comply. They also do not comply with federal laws. They are withholding my payment and closed the account

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14
Company: Fay Servicing, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Dear Sir or Madam, My name is  XXXX   XXXX . My hardship began when my children 's father walked out on me.I was unemployed and my left with all the bills and with the sole provision of my  XXXX  children. I worked part time meanwhile I searched for a full time job with flexible hours. I did not waste any time with my mortgage company, I faxed over a home affordable packet to be reviewed for a modification. Long story short I was denied various times due to not enough income to the point where I rented out a room for extra income and still it was not enough for them.  XXXX  of  2017  I finally landed a full time, well paid job with flexible hours.I make {$2600.00} monthly now and I was confident I would qualify for a modification but yet again I was denied because my loan was sold to a new investor and I was mailed out a letter informing me of this. Attached is the letter. I was notified yesterday  XXXX / XXXX / 17 , by  XXXX   XXXX , accou nt manager from Fay Servicing, that I was  approved for a short sale and he said I had until  XXXX / XXXX /   17  to decide if I want to go through with a short sale or else I would be foreclosed on with a sale date within 30 days. I did not apply for a short sale, I want a loan modification. I asked about the new investor on my loan and he said t hat Fay Servicing bought my   loan back. If they bought my loan back, then why are they not reviewing me for a loan modification? My home is severely under water!   Attached is the letter  XXXX  sent about the short sale. All of this is very confusing and all they have said to me is very contradicting! I do not want to lose my home, it is all my children and I have. I struggled so much to keep my home and now that I am financially s table, Fay Servicing will not work with me. Please Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-10
Company: BBVA FINANCIAL CORPORATION
State: AL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The  Loan i applied for has not been approved so i need the approvement to facilitate the loan acquired for. I applied for the Loan on  the  XXXX / XXXX /   2017  and the loan amount is {$5000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: EQUIFAX, 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:
By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 

Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my XXXX and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your XXXX XXXX.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 

Please be advised that your failure to complete your investigation and compliance with the law XXXX result in legal action against you. All inquiries in Identity theft are not mine. 


I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.

Company response to consumer: Closed with explanation