BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-15
Company: EQUIFAX, INC.
State: TX
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:
Credit Score Dropped by 100 points over night with absolutely NO changes. I have been working very diligently to repair my credit. I have been watching all 3 CRA 's on a daily basis, and was making excellent progress. I recently disputed a few inaccurate items, and reported some Fraudulent Activity on my Credit Report.
My Credit Scores had an extreme drop in some cases up to 100 points overnight. I have researched this, and have found that many people have the exact same issue. If you dispute inaccurate information on your credit report, you are punished by the CRA 's. This can not be legal, and certainly is not fair. To add insult to injury, the CRA 's are of no help whatsoever. I have spent countless hours on the phone with all 3 agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
My home phone number is XXXX. My name is XXXX. CCS, a debt collector, their phone number is XXXX keeps calling on a debt to a person by the name of XXXX all hours of the morning and evening. Most recent call to us were made at XXXX and XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX and XXXX XX/XX/XXXX. I have continually told them I am not this person and have no relationship to this person. They say I will not be called again and they continue to call, this has gone on for months. The last time they said that this number was removed from their system in 2013 and they have no record of the auto calls. My name is XXXX and I can not get them to stop harassing me for a debt that is not ours. These are the most recent calls from my caller ID, even though there have been substantially more.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: BARCLAYS BANK DELAWARE
State: NM
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:
I refinanced my home in XXXX. The mortgage company sent me separate checks to pay off my credit cards. I sent these checks to all my creditors including Barclay Advantage Credit Card. I called in advance and asked for the correct addresses. All the checks were applied to my various creditors except Barclay. They're claiming they never received my check. I sent it via certified mail and have a copy of the person 's signature that signed for it. I also have proof that they deposited the check to their account. My complaint is that they never applied it to my account and it's been almost 3 months! I've called numerous times and never get anything resolved. The amount was for {$7400.00}. Please help me!!!

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 2021-12-20
Company: EQUIFAX, 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 information incorrect

Complaint:
Equifax is reporting an incorrect last payment date and also the incorrect closing date to an account on my credit report. I know for a fact that it is an error on their end because the other XXXX bureaus ( XXXX and XXXX ) are reporting those two things accurately and they are supposed to be getting their information from the exact same source. I have contacted both equifax and the original creditor several times to try and resolve the issue but neither will help because they both keep saying the information is correct. There is no way that it is unless the other XXXX are wrong or vice versa. In my second dispute letter i asked equifax to delete this account due to innacurate reporting but they refuse to.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Capital one credit card used for 2 weeks, restricted for more than a year ago and asking to pay membership fee, I paid the membership when the card opened and did not get the money back, not even can close the credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card
Issue: Delinquent account

Complaint:
An account in my name was opened with Capital One. The account became delinquent, and I was taken to court. Even though I did not open the account or give permission for this account to be opened I was held accountable. My wages were garnished, I 'm ok with this because it ended up being a family member that opened the account. My wages were garnished, and the account was satisfied, and the case was taken off of the docket. Several months later, the funds were given back to me. I did not ask for the funds they just showed up. I called Capital One to inquire about the funds and I as simply told that the case was closed and the case was taken off the docket. 
Several months later, I received a letter stating that the funds were once again going to be taken from me, and I was being garnished again for the same funds that were returned to me! Only this time the amount was more than twice the original amount that had already been paid ( and returned ). When I called XXXX and XXXX, the attorneys handling the case, the only information they would give me is the returning date for the case when they pick up the wages that had been garnished. This is unfair and deceptive! The funds were returned to me and now I am being made to pay for funds that had been paid? 
Please contact me for more information and specifics to this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card
Issue: Overlimit fee

Complaint:
In XX/XX/XXXX my credit card was reported over the spending limit and i lost XXXX points on credit score the problem is that i never went over my limit and call into Captial One and it was investagated 3 times and they came back and said yes it was an error on there part and could n't correct it for up to 60-90days ... I was in the process of buying my house for my children and i and should not be punish by losing my house and loan because of an error on there part. I call for 3days and keep getting the run around this is not best practices at all not to mention that they didnt report me in XX/XX/XXXX at all and had to update that information on XX/XX/XXXX. Im truly upset and surprise that a company could do this and nothing be done to fix my problem ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: JPMORGAN CHASE & CO.
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12
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: Information belongs to someone else

Complaint:
I'm writing because i believe that is not my accounts, i have never applied for them. I'm not responsible for these debts. I was a victim of identity theft, somebody used my personal information and applied for these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12
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:
I'm writing because i believe that is not my accounts, i have never applied for them. I'm not responsible for these debts. I was a victim of identity theft, somebody used my personal information and applied for these accounts.

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 2016-05-22
Company: Stellar Recovery, Inc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have continuously requested that the person they are trying to locate is not at my home phone number. I have no obligation, and I explain this. They promise to stop calling my phone number, but begin again within a matter of days. They are not updating their database.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Hello, I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Was not notified of investigation status or results

Complaint:
I'm disputing Trans-Union for not deleting my 7 hard inquiries on my credit report and not correcting my debt use any my age of credit history. XXXX XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX told my that they do soft credit pulls and it won't show up on my credit report, That Fraud because it's on my Trans-Union and I told them that if it's not a soft credit pull don't run my credit because I'm trying to purchase a Town-home and on there app it says the same thing. XXXX XXXX, XXXX XXXX, XXXX, are fraud from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, LA. XXXX. XXXX. A car-salesman named XXXX XXXX. Told me that they did in-house financing and didn't run credit reports, That's fraud because he place almost 12 hard inquiries on my credit reports and they lied and harass me over and over again to unlock my XXXX credit report but I didn't. That's is fraud and harassment and it's someone on XXXX XXXX XXXX that left a similar review, they are sitting back and destroying the consumer credit report and the state of Louisiana is aiding and assisting because they are still in business. XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX XXXX and XX/XX/XXXX Iv'e been disputing over and over again and I get nowhere with Trans-Union..

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 2015-05-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XXXX XXXX 2015 I disputed charges that were unauthorized on my bank account. On XXXX XXXX my direct deposit went into my bank account for {$2600.00} the disputed charges were {$940.00}. At XXXX on XXXX/XXXX/15 the bank restricted funds for withdraw, I called them at XXXX and emailed them through the online system. After being on the phone with them without an answer as to why I finally received an email that said they were restricting my accounts, at XXXX. They have not notified me of finding against my claim for disputes, but today said on the phone that they wo n't know until XXXX XXXX. The disputed charges are XXXX my checking account balance is XXXX. It 's been 10 days since the dispute and the credits were given and no notice that they were going to be reversed. I paid my rent and the bank reversed the payment causing my lanlords bank account to be negative {$1300.00}. I have never been notified by mail, email or phone as to what is going on and now they do n't know when my money can be sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: Resurgent Capital Services L.P.
State: NJ
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:
These accounts do not belong to me. Please remove the negative items as soon as possible, because they are hurting my credit. 

XXXX 1. Identity Theft LVNV FUNDING LLC Account Number : XXXX This is not mine. 

XXXX 1. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2021 This is not mine. 

4. Identity Theft XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX  Date of inquiry : XX/XX/2021 This is not mine. 

7. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2021 This is not mine. 

8. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2021 This is not mine. 

9. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2021 This is not mine. 

10. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2021 This is not mine. 

11. Identity Theft XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/2021 This is not mine. 

12. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/2021 This is not mine. 

13. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2021 This is not mine. 

14. Identity Theft LVNV FUNDING LLC Account Number : XXXX This is not mine. 

transunion 1. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/2021 This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
On XXXX XXXX 2016 I received a notice from CapitalOne " XXXX Credit Card '' about an apparently fraudulent charge of {$880.00} to my account. I confirmed to them ( by phone ) that I was unfamiliar with the company making the charge, and had never had any dealings with them. They assigned a case number : XXXX and sent me a letter acknowledging the problem. I have since had repeated messages on my answering machine from XXXX of their agents stating that they require more information to settle this matter, and instructing me to phone back. XXXX attempts over a period of several days to reach this agent at the phone number he provided have been directed to his voice mail, which claims that he will phone me back. He does n't, and my attempts to reach him are in vain. A protracted conversation yesterday with a customer-service representative resulted in her earnest promises that I would be called back with 18 hours. I have heard nothing since. I am concerned that having no opportunity to provide CapitalOne with whatever information they require about this fraudulent charge will result in their holding me responsible for it. I need someone to prod them into accepting my calls.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card
Issue: Other

Complaint:
I am trying to build my credit so I applied and was approved for a SECURED credit card through Capital One XX/XX/XXXX. It required a {$50.00} DEPOSIT which I made. I used my card for purchases. Then I made my 1st payment of {$200.00} on XXXX/XXXX/2016. I had am available balance and made more purchases. Then on XXXX/XXXX/XXXX I made my 2nd pymt of {$190.00}. I should have an available balance once again. Both payments were made with my XXXX checking acct. Since XXXX/XXXX/XXXX, my card has been declined, my online Capital One acct has been restricted. I called Capital One today and received no resolution, I was just told that they needed to verify my XXXX account was indeed mine and that they could n't verify right now or provide with an expected resolution time of when it would be resolved because XXXX lines were busy. So from XX/XX/XXXX to present XX/XX/XXXX Capital One has my {$50.00} deposit and my {$190.00} payment, but I have NO ACCESS to my account, my available credit, or my deposit. 8 DAYS AND COUNTING HOLDING MY $ HOSTAGE!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-28
Company: SYNCHRONY FINANCIAL
State: LA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
Amazon credit card company was transferring companies, and I was unable to reach them for months when I actually had the money to pay off my balance. When they were acquired by a new company, I refused to pay since I had been unable to reach them. My debt was transferred to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: URS Holding, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
United Recovery Systems has repeatedly called my family members from numerous numbers, after being repeatedly told to stop calling. I have contacted them, and they are threatening to have me arrested on fraud charges at my job over a debt from 2 years ago. I have not received any paperwork in over a year regarding this debt, so I assumed it was charged off on my credit. I will settle the debt with the original creditor, not the debt collection agency.

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 2021-12-20
Company: EQUIFAX, INC.
State: IN
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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04
Company: Diversified Consultants, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I arranged with XXXX for phone, tv and internet service in XXXX 2015. The installation was badly botched and none of the services worked. Nevertheless XXXX XXXX sent a bill for {$43.00} for XXXX service and within weeks sent it to collection. I subsequently received a gift card returning {$18.00} from XXXX XXXX ( a subsidiary of XXXX ) indicating no further payments due. But XXXX sold the account to XXXX XXXX who then. Now I 'm getting called by a XXXX debt collector Diversified something or other.dropped efforts once informed of the XXXX response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: Experian Information Solutions Inc.
State: IN
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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2015-07-07
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
l enrolled for USAA Debt Protection plan on XX/XX/XXXX and l clearly told them l am self employed, fast forward to XX/XX/XXXX l lost my business and l could not afford to make minimum payment and USAA denied my application that they do not covered XXXX, they ( USAA ) been charging me over {$100.00} a month for this service. please help, l find this situation to be fraudulent and mis-informed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-20
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My mailing address is not being reported accurately on my consumer report with Experian.

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