BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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 am requesting Capital one to remove this charged off account from my records due to identity theft. I have filed this complained and stated that account was opened due to identity theft. Capital one has advised me that they received payments from XXXXXXXX XXXX  account ending in XXXX which was opened fraudulently under my name as well as from XXXX XXXX. Both XXXXXXXX XXXX and XXXX XXXX  accounts were opened using my identity and fraudulently. Those are not my accounts and all payments that were made from mentioned accounts were fraud. I understand Capital one is matching my contact information, social security number date of birth however I was a victim of Identity theft and this account along with other accounts from XXXX XXXX and XXXX XXXX were opened due to the ID theft and fraudulently. I need Capital one to remove this account and update my records immediately. 

please note the accounts you are referring were opened fraudulently and those aren't mine as well. As previously stated i was a victim of identity theft and during that process there were multiple checking accounts opened with XXXXXXXX XXXX and XXXXXXXX XXXX as well as credit cards. Please remove this capital one account from my records and report accurate information once again those payments that were processed through XXXXXXXX XXXX  or XXXX XXXX  were fraudulent accounts and they are aware of it. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
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:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXXXXXX Balance : {$7800.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$2800.00} ; XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$3000.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX ; XX/XX/1969 ; XXXX XXXX XXXX XXXXXXXX Balance : {$7900.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
My identity was stolen. The thief 's gained access to my Experian account and changed the email so I have no access to my Experian account. I have been calling Experian for 3 days trying to get ahold of someone to talk to but everything is automated. The have no email address to contact. There is no way of me getting ahold of them, meaning there is no way for me to regain access to my account, meaning I cant freeze my account and stop the thief 's from trying to open more accounts in my name. This is insane for a company this large to offer no customer service.

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 2016-05-12
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
On or about XX/XX/XXXX Equifax updated my credit report via a dispute file by me to show XXXX ( XXXX ) tax liens were paid and released from the IRS. Both liens were originally filed XX/XX/XXXX and XX/XX/XXXX respectively. I then filed another dispute with them to remove both, as the rules states " Paid tax liens XXXX remain for up to XXXX years from the filing date and 10 years if not paid. '' Both liens have met this criteria as it 's now past 7 years since filed paid/released. Equifax removed XXXX of the liens ( filed XX/XX/XXXX ) and insist on leaving the other ( originally filed XX/XX/XXXX ) on my profile. I was recently told by Equifax via phone, that it will remain for an additional 7 years from the release date of XX/XX/XXXX. Both were released at the same time. I had the very same item deleted by XXXX without any problems. I was told and confirmed by XXXX that the item met the criteria to be deleted. However, Equifax insists that the 7 year clock to removed does not start from the original filed date of the tax liens but when released. This claim is not consistent with my experience with XXXX. It is very unfair that the same account would be victim to another 7 years of negative reporting. Please see the attached Equifax credit report documents and the confirmation from XXXX in support of the same account. I am requesting the remaining tax lien deleted from my profile as reported by Equifax in keeping with the rules as outlined by the FCRA. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: EQUIFAX, INC.
State: NY
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, Equifax has been in violation of furnishing without my written consent as pursuant to 15 U.S.C 1681b. ( a ) ( 2 ) : Congress states a consumer reporting agency can not furnish a account without my written instructions. 
I demand you remove these accounts immediately : DEPT OF EDUCATION/XXXX  XXXX XXXX LOANS XXXX Also, 15 U.S.C 1681 section 602 A. States I have the right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: AMERICAN EXPRESS COMPANY
State: NY
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:
XX/XX/2022 at XXXX am I got a notification saying that I had a HARD INQUIRY from American Express. I never applied for American Express or had any dealings with them. I would like this removed from my credit report. And if possible can I find out who did it?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-15
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:
XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/2022 - XXXX  XXXX XXXX XX/XX/2022 - XXXX XXXX XXXX XX/XX/2022 - XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XXXX XX/XX/2022 - XXXX XX/XX/2022 XXXX XXXX XXXX My information is being used and now with these inquiries that are popping up on my report are affecting my ability to stabilize my families quality of life.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-18
Company: ORG GC GP Buyer, LLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Since XXXX 2013 I have have this cell phone number. They are calling for a XXXX or XXXX XXXX. I am neither. I haverepeatedly called them back and told them they have the wrong number. Yet they continue to call. This time, they called and left a number so for the 400th time I called it back. XXXX XXXX. They all from XXXX. Called this number back also ... does n't give you any information. I think I have been pretty good about this after over two years of the same phone calls. I, again, am not XXXX XXXX..nor is my name XXXX XXXX. No where close to my name. Please make it stop. Their number does n't even show that they called because I was going to file suit against them. Amazingly it does n't even show that they called on my bill ... .Weird ..bc I have the voice mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
In XXXX, XXXX charged an amount of XXXX with XXXX.  This collection company placed the account on my credit reports.  The account was disputed and removed XXXX.  Approximately XXXX, XXXX place the account with XXXX.  XXXX placed the account on my credit report again with a XXXX origination date and with an amount that differed by $1.  I informed Equifax that they already removed this disputed item and now it has been placed again.  They concluded the dispute and stated that it should remain.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: DISCOVER BANK
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/XXXX I applied for a DISCOVER IT CASH BACK CREDIT CARD through the website for Discover.com of the Discover credit card company to pay for my tuition. The company advertised a 0 % introductory APR for 18 months on purchases and balance transfers, an ad which remains on the company website till this day XX/XX/XXXX when I file the complaint. I was reviewing my most recent credit card statement when I observed the 0 % introductory APR period only lasts through XX/XX/XXXX. 
I immediately placed a call to the Discover customer service number ( XXXX ) available through the company 's mobile app. The first representative I spoke with mumbled some words I could not discern during the call and I assume hung up on me. The second representative told me there wasn't anything she could do for me and I asked to speak to a supervisor. She transferred me to a supervisor who mentioned that there wasn't anything she could to for me either that the system offered me what it offered me despite an ad which detailed 0 % introductory APR for 18 months on purchases and balance transfers. She then proceeded to ask me to open another credit card and maybe I can transfer the balance to a new Discover credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: DISCOVER BANK
State: OH
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:
On XX/XX/XXXX, Vision Coverage was initiated through XXXX with XXXX XXXX XXXXXXXX XXXX XXXXXXXX by electronically signing the application and paying the annual premium on my Discover Card. No auto-pay feature was selected of even indicated. On XX/XX/XXXX an auto-pay charge was processed by XXXX for {$430.00} on the same Discover Card. All attempts between XX/XX/XXXX and XX/XX/XXXX confirm coverage was unnecessary for XXXX failed due to failure to speak with XXXX Customer Service Representatives resulting from an automated phone system and excessively long-hold times. On XX/XX/XXXX, an e-mal was sent to the customer service representative listed for the account without any response ever occurring. A dispute case was opened with Discover Card on XX/XX/XXXX and a temporary credit was issued for {$430.00}. On XX/XX/XXXX, Discover Card completed their investigation and found in my favor, reversing the temporary credit and issuing a permanent credit for {$430.00}. Sometime subsequent to XX/XX/XXXX and XX/XX/XXXX, XXXX responded to Discover Card, resulting in reinstating the charge for {$430.00}. Upon learning of this intervention assistance from XXXX XXXX XXXX was obtained resulting in the XX/XX/XXXX e-mail from XXXX stating the insurance coverage was or will be cancelled effective XX/XX/XXXX with the respective credit issued. This e-mail was provided to Discover Card on XX/XX/XXXX, yet Discover Card has willfully and negligently failed to reinstate the credit. A second e-mail was received from XXXXXXXX XXXX XXXX  written from the perspective that the Discover Card was a Debit Card when in fact it is a Credit Card. As late as today, XX/XX/XXXX, Discover Card is refusing to reinstate the credit for {$430.00} unless they hear from XXXX. Having no way to contact XXXX due to cancellation of the insurance an no account, contacted XXXX XXXXXXXX XXXX whom doesn't understand why this is occurring. Obviously, Discover Card is attempting to unlawfully extort {$430.00} as an inside job in order for an insider to embezzle {$430.00}. After having this Discover Card Account for thirty-one ( 31 ) years, this behavior is uncharacteristic, deceptive and has never occurred when previous disputed charged have occurred. Obviously they waited until i was a XXXX and XXXX of a Protected Class to perpetrate such a scheme.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-02
Company: Ocwen Financial Corporation
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage payment is deducted on the XXXX of each month from my checking account in XXXX i changed banks ; I immediately went online to my account Ocwen site and updated my i new bank information. I went back into the account to make sure new info on bank was still listed. I then monitored my bank account was withdrawn after 2 days from the XXXX the money was still in my account so i got back online with Ocwen and saw that the old bank info had replaced my new bsnk info. I immediately changed the info to new bank and called Ocwen and made arrangements to pay the mortgage on the XXXX. Which i did. The next thing im getting a pre foreclosure notice because of the ach return notice they XXXX when they submitted from the wrong bank abd the o ly way they will accept my payments is through XXXX XXXX. And though i paid the late fee they are still charging late fees- thouhg my payments are on time. I have also asked them if i can change my payment date to be more inline with my payday and the refuse to work with me at all. Also the only way they will except my payments because of the XXXX mixup is through XXXX XXXX. My payment has also gone about 2 years ago from XXXX to XXXX. I hope you can help me with these issues

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Convergent Outsourcing has sent me a debt collection letter on a debt that has been proven unverifiable recently and deleted from my consumer report in the past. this debt is from t mobile who used a different collection company in the past to try and collect but was deleted from my report and now sent this unknown debt to convergent outsourcing. company has not provided me with any details in regard to this account and is in violation and I will take further action if they do not cease there debt collecting acts

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 2015-04-06
Company: BC SERVICES, INC.
State: CO
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:
THIS COMPLAINT IS IN RESPONSE TO MY ORIGINAL COMPLAINT THAT I HAVE FILED AGAINST BC SERVICES, WHICH CONTINUES TO VIOLATE THE LAW BY REPORTING INVALIDATED INFORMATION ON MY CREDIT REPORTS. 

THIS IS WRITTEN NOTICE TO BC SERVICES THAT YOUR CLAIM HAS BEEN DISPUTED UNDER THE FAIR CREDIT REPORTING ACT ( FCRA ). I HAVE THE RIGHT TO DISPUTE ANY INACCURATE INFORMATION THAT IS BEING REPORTED IN MY CREDIT FILE. I HAVE REQUESTED SEVERAKL TIMES FOR BC SERVICES TO PROVIDE ME WITH PROOF THAT THIS DEBT IS INDEED MY DEBT, AND THAT I HAVE A LEGAL OBLIGATION TO PAY YOU BC SERVICES. BC SERVICES HAS REPORTED AND LISTED ON ALL XXXX OF MY MAJOR CREDIT REPORTS ( XXXX, XXXX AND XXXX XXXX INVALIDATED AND UNVERIFIED INFORMATION, WHICH IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT, BUT NOT LIMITED TO. 
I HAVE WRITTEN TO BC SERVICES SEVERAL TIMES VIA CRETIFIED MAIL AND HAVE REQUESTED THAT VALIDATION IS REQUESTED, IT HAS NOW BEEN LEGALLY PASSED THE 30 DAY TIME FRAME ALLOWED TO YOU BY LAW. THE DISPUTED INVALIDATED ACCOUNTS MUST NOW BE COMPLETELY REMOVED FROM ALL XXXX OF MY CREDIT REPORTS. AS BC SERVICES IS NO DOUBT AWARE THAT THEY HAVE LEGALLY EXCEEDED THE TIME FRAME ALLOWED TO THEM BY LAW. 

THE LAW REQUIRES COMPLIANCE WITH THE TERMS AND CONDITIONS OF THE FAIR CREDIT REPORTING ACT ( FCRA ), WITHIN 30 DAYS OR COMPLETE WITHDRAWAL IN WRITTING OF ANY CLAIM. BC SERVICES HAS FAILED TO REMOVE THIS INACCURATE AND DISPUTED ACCOUNTS OUTLINED IN MY ORIGINAL DISPUTE, AND COMPLAINT WITH THE CFPB. THESE INACCURATE ACCOUNTS SHOULD NOT BE ASSOCIATED WITH MY CREDIT REPORTS AND BC SERVICES HAS FAILED TO LEGALLY VERIFY THESE ACCOUNTS INFORMATION IN THE TIME FRAME ALLOWED BY LAW, AND THESE ACCOUNTS INFORMATION DISPUTED BY ME THE CONSUMER DOES NOT LEGALLY MEET THE REQUIREMENT OF THE FAIR CREDIT REPORTING ACT ALTHOUGHT BC SERVICES HAS REPORTED AND IS CONTINUING TO REPORT INACCURATE AND ILLEGAL INFORMATION TO ( XXXX, XXXX, AND XXXX ). 

I WOULD NOW LIKE TO KNOW WHAT ENTITY CAN NOW INFORCE THAT BC SERVICES, WHO CONTINUES TO VIOLATE THE LAW BE SANCTIONED & FINED FOR DIRECTLY VIOLATING THE LAWS?

Company response to consumer: Closed
Consumer complaint received 2022-08-04
Company: Rent Recovery Solutions
State: OK
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:
Called XXXX today to get accounts removed off my credit report, that I did not give them the right to consent to the account pursuant to 15 usc 1681b # 2. 

I spoke with them on XX/XX/2022, at XXXXXXXX XXXX. CST and they are refusing to delete these accounts. I asked to speak with a supervisor and told her that they are violating my consumer rights. 
I demand the accounts be removed as followed : XXXX XXXX : {$6500.00} XXXX XXXX XXXXXXXX : {$6300.00} Rent Recovery : {$2400.00} XXXX XXXX XXXX : {$580.00} and XXXX closed accounts, XXXX XXXXXXXX XXXX  and XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
A company called CBNA/Citibank did a hard credit inquiry on me. This was not initiated by me. Is someone trying to steal my identity? 
They are located at : XXXX XXXX XXXX XXXX XXXX, SD

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 2018-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
I was denied credit based on a TransUnion ( TU ) credit report notation indicating that I had paid an account late. I requested an investigation to dispute the notation on XX/XX/XXXX. I contacted TU on XX/XX/XXXX which was 30 days since the dispute. TU had not made a determination within 30 days. TU finally removed the notation on XX/XX/XXXX. I contacted TU to request an updated copy of my credit report and was denied. 

TU offered to provide my credit report if I paid for a service. I said no, I am entitled to a full report after a dispute has been settled and removed. TU also makes this matter difficult as they have my address listed as XXXX rather than XXXX XXXX XXXX for ZIP code XXXX. TU also directed me to other compartments, Disputes telling me I can get my report from Online, Online telling me to get my report from Disputes. 

I simply requested a copy of my report and was denied. 
I requested access to my online account to view my report, and was denied unless I paid a fee. 
I requested that TU contact creditors who received my previous report with errors and provide them with an updated report, and was denied. 
I requested that TU update their system to having my address as XXXX instead of XXXX XXXX XXXX, and was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12
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 PULLED MY CREDIT REPORT AND I ' NOTICED THAT I HAVE TWO OPEN ACCOUNTS THAT CONTAINS A FEW LATE PAYMENTS REPORTING ON MY XXXX  XXXX  ACCOUNT AND XXXX   ACCOUNT. I'VE HAD PERSONAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS EVER SINCE. I AM REQUESTING IF THERE CAN BE A GOODWILL ADJUSTMENT ON THOSE ACCOUNTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15
Company: CITIBANK, N.A.
State: MD
Product: Credit card
Issue: Transaction issue

Complaint:
I was excited to become a member of Citi XXXX Signature with a Costco Anywhere XXXX ( R ) card. I am happy to take part in the higher cash-back for gasoline from the old Costco credit card. The card started on XXXX XXXX, 2016 and I set-up my account online on XXXX XXXX, 2016. That is when I entered my bank account number for the auto-pay. I am also appreciative of the very nice letter that was sent to me returning my late payment fee. 
The problem that occurred is that the auto-pay sign-up did not occur properly. The next problem is that I never received a paper statement. The first paper statement I received was XXXX XXXX, 2016. The company called the first payment late after 17 day of me becoming a member after the XXXX XXXX, 2016 start date. The first bill was due without a statement being mailed. I was waiting for this statement to find due dates. 
Now that the auto-pay is set up probably ( Confirmation # : XXXX, XXXX ), the first auto-pay will occur only after the XXXX XXXX, 2016 was missed ( " Your first AutoPay payment will be made on : XXXX '' ). I have since changed the auto-pay date to be three days ahead of the due date ( Confirmation # : XXXX ). I am being charge interest for what I have already charged and will be charged interest for the next two billing cycles. With this policy, I will have to pay every week to keep the interest down. My account is now up to date ( paid on XXXX XXXX, 2016 the past due amount ) and I just made an early payment ( Payment Confirmation : XXXX ) to meet the XXXX XXXX, 2016 payment and keep the interest down.

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