BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-18
Company: CAPITAL ONE FINANCIAL CORPORATION
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 am having issues getting a fraudulent account removed from my credit reports. My identity was stolen and as a result there is a Capital One account that does not belong to me. I never opened this account or used it. On XX/XX/XXXX, I disputed this account with the credit bureaus and with Capital One directly but to no luck. Capital one just recently responded saying that they do not believe this account was opened fraudulently, and are refusing to remove it. This is after I sent them my identity theft affidavit, police report, AND documents from the IRS stating that my identity had been compromised. Capital One is refusing to do it's due diligence and it is doing significant damage to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-14
Company: Express Recovery Services, Inc.
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Calling a place of business repeatly after bring asked not to call a place of business to locate the debtor. Calls occurred XXXX XXXX XXXX and again XXXX XXXX, XXXX. 
Company is Express Recovery Services, Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone : ( XXXX ) XXXX https : //www.expressrecovery.com

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-23
Company: TD BANK US HOLDING COMPANY
State: OR
Product: Credit card
Issue: Late fee

Complaint:
My wife always pays the bills online and at least XXXX month inadvance. lets just start in XX/XX/XXXX. This was already paid onXX/XX/XXXX, then XXXX was paid on XX/XX/XXXX, then XXXX waspaid on XX/XX/XXXX, Then XXXX was paid on XX/XX/XXXX, then XX/XX/XXXXwas paid on XX/XX/XXXX, and finally XXXX was paid XX/XX/XXXX. Then XXXXI received a bill with a due date of XXXX XXXX that included a late feefee for XX/XX/XXXX of {$25.00}. As you can see, this charge should'NEVER ' have been applied because my wife was not just XXXX ahead of payments but several months. I dounderstand that sometimes computer billing systems maynot understand payments made in advance so I calledcustomer service and asked to speak to a supervisor andwas handled by XXXX. She saw the advanced paymentsyet she said she would not remove the late fee. This fee isactually a fee for paying early!! ABSURD!!! I want this XXXX not " waived as a courtesy '' as smugly as XXXX stated, but I want it removed because a fee for early paymentshould never happen. XXXX calls it a late fee, I call it beingpunished for paying early. XXXX also claims that a '' courtesy '' waiver '' was already issued on the very XXXXpayment. This should never have happened either. XXXX Jewelers said we would be billed in XXXX days butinstead we were billed immediately. When my wife noticedshe may be late if she paid online because it was alreadythe day of the due date, she went directly to XXXX XXXX and paipaid it with assurance that your firm would be called and the billbill be posted as paid on time. My wife listened XXXX on thephone to make sure things were taken care of. XXXX is nowstating that this constituted a " waiver '' for a late payment. 
Once again this was paid on time, albeit the same day due, but every payment since then was paid in advance!! At notime was our account EVER late!!! I want this {$25.00} fee takenoff of my bill, not as a courtesy but because it does n't belongthere in the XXXX place and neither was the XXXX incident. I alsowant XXXX taken aside and retrained in handling customers. 
She ended the call with a 'smug ' " Is there anything ELSE Ican help you with ''? XXXX did n't help me at all. She alsowould n't give me her bosses name or number in order for meto climb up the chain of command. XXXX stated that shehad the last word. Does XXXX run your firm or does sheanswer to someone else? If she does answer to someoneelse which I know she does, she needs to be made aware ofthis. Customers are owed satisfaction not insults!! Rescindthis late fee immediately or I will take further legal action. 
A very dissatisfied customer!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-11
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Experian has false information in the address. Likewise, they have subsequent agencies who have asked for my credit record to which they are giving false information, and put agencies to which they say I applied. I have not. I have tried to let them know this on line and by phone. Their website recording these inaccuracies would not submit the corrected information. Likewise, when you call their phone number. It does n't work. It says they are having connection difficulties. 

They, not the other two credit monitoring agencies, have false information in my credit report that they have posted, and wo n't correct the information. I have tried to dispute this on line but the website will not let me. Furthermore, I have tried calling to dispute and keep getting the message that your phone lines are down. Furthermore, my middle name needs to be requested. Furthermore, I am not nor have I ever applied for new credit cards or opened new bank accounts in the past three years. I refinanced mortgage XX/XX/XXXX and have a new car loan as of XX/XX/XXXX. I have only lived at one address since XXXX. Any other addresses and credit inquires are wrong. I only have a usaa credit card and do not need nor have I applied for others. Please consider all other credit applications as attempts at fraud.

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 2016-03-08
Company: GREAT LAKES
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I continue making extra payments and they keep applying to interest on loan. 
I feel Great Lakes is a predatory loan company. 
At this pace I will never get out from under my student loans. I keep sending money and my balance only grows despite me paying more then the minimum.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Over XXXX towns and goverment on my documents and home contents and also using computers and deniged me credit and loans and keep my stuff messed up and also with scams and land developments ect..

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
Criminal Enterprise - Experian. I signed up for a credit report/Fico and while I apparently thought it was a one-time report, it apparently ( no doubt small print somewhere on payment page ) was a monthly recurring charge. Then when i saw these charges on my VISA, I learned that YOU MUST CALL XXXX NUMBER TO CANCEL. They have the most fantastic, most robust, most functional website on the planet, except you have to call XXXX, WAIT 30 MINUTES ON HOLD, to cancel!!!!!!

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 2016-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
This is what I have written to TransUnion after they falsley recorded a negative entry on my credit file : _______________Letter with evidence to TransUnion_________________ Dear Sir/Madam : I am disputing your credit report on my file number XXXX as these are completely inaccurate entries on my report regarding XXXX. I have complained to you and you have declared that your investigation is complete. You also mentioned that, " For details, see below ''. However, that " below '' is empty- blank! - Nothing is in there. 

You are the protector of our financial practice and we depend greatly upon you. However, I have no idea if you even looked at the documents I have sent via US mail. My documentation has enough evidence to support that I am not responsible for XXXX. I understand you business depends on these clients like XXXX, but how about general consumers like me? 

All of these started when I tried to move my service to another carrier. How a telephone company owe {$2100.00} to XXXX individual? What were they doing? Are they really in proper business practice? How did I switch my service including phone numbers to XXXX from XXXX if I owe that much as they claim? 

I have provided you with some information and I am not convinced that you looked at it. So, I am sending more proofs in writing in a chronological order. I am also sending copies of these documents to other federal and state agencies, including the XXXX finance committee. 

As you can see from the attached correspondence, in chronological order, I repeatedly contacted XXXX, after they cancelled/suspended my account due to the fact that I told them about my desire to switch XXXX Company and made every possible attempt to resolve these issues and made so many phone calls and emails but XXXX never responded. If XXXX can provide any communication in response to my correspondence/emails, besides asking calling them, I would like to see those correspondences. I appreciate it very much if you can tell me how you have accepted such a bogus claim and put on my credit report? 

I wish I could submit this online, but your site did not work and suggested me to mail the complaint. 

Sincerely, XXXX XXXX XXXX ___________End of my letter_____________________

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 2016-06-02
Company: GREAT LAKES
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
I submitted my application to renew my income-driven repayment plan before the deadline in XXXX. When asked to submit income verification, I mailed both mine and my husband 's paystubs. I was later notified that my paystub was insufficient and needed to send in a self-certified statement of self-employment income, stating either my monthly or annual expected income. At this time, I asked if my husband 's income verification was sufficient, and was informed that it was. I gladly obliged the request, with a statement of monthly expected gross income. I was then notified that that was n't good enough, and I needed to submit a statement of expected annual income. Again, I obliged, copying the requested verbage word-for-word. It was at this point I was informed that I needed to verify my husband 's income. Since I had already done so, had ascertained that his information was received and was sufficient, and had waited XXXX4 weeks between each request, I refused to participate any longer in the unnecessary back-and-forth. I called to ensure all necessary paperwork had been received, which it had, and submitted proof of acceptance of all necessary paperwork. It is now XXXX and I am still receiving requests for my husband 's income verification. I 've now made 4 monthly payments that I can not afford, and I can not afford to wait any longer for them to process my application.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-07
Company: SCOTTRADE BANK
State: CA
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
Closed my account with Scottrade Bank today because it 's been over a month and I never received a debit card. I called them a week ago, and they said I was supposed to request one. Request a debit card??? Why would n't that be automatic? Then they said it could take 3-5 days to get it ... wrong again ... Somebody is definitely asleep at the wheel. The brokerage could n't even contact their own banking representatives. What a joke

Company response to consumer: Closed
Consumer complaint received 2016-11-09
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have sent Experian numerous of certified letters requiring them to verify my Chapter XXXX Bankruptcy. I have included copies of the original disputes, which lists in detail the type of verification requested. I understand that my bankruptcy remains on my public record, not my credit report. This Bankruptcy is a third party reporting, Experian was able to get my public information. XXXX Court and credit bureaus are not affiliated in any manner and the court is unaware of their process and procedures for reporting or removal of information from a credit report. In addition, the XXXX Court does not report or verify information with credit bureaus. The credit bureaus have their own procedure for retrieving information from the public record of the XXXX Court and the court has no knowledge in this regards. I ask Experian to validate ( 3x 's ) with the United States XXXX and provide me with copies of and documentation associated with my Bankruptcy, bearing my signature. This unsatisfactory as proof that Experian is unable to provide me the documentation. Experian, have not complied with my right to have validation of my Chapter XXXX Bankruptcy, according to the standards of the FDCPA, and you not responding is hereby rejected as a validation of the Bankruptcy. You must remove the collection listing from my credit report, or I will file a lawsuit for violation of the Fair Collection Practices Act, Negligent of Identity fraud and Defamation.

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 2015-11-24
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I received a TPD discharge on student loans. XXXX has notified all Credit Reporting Agencies. XXXX loan holders are still stating that I have made late payments, these are supposed to be removed from my credit report after TPD discharge. In addition, the discharges are reported as transferred over to a new agency, which is a negative report. I cant find out from Credit Reporting Agencies or XXXX if it is an error in the way XXXX reports to the reporting agencies or how the agencies are documenting. Either way, a TPD discharge should not drag my credit down, it should improve. It has been over six months with no resolution Thanks

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-28
Company: Selene Finance LP
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I recently applied for and received a loan modification from Selene Finance. Between the time that the loan modification paperwork was executed by Selene and the XXXX XXXX, 2016 statement, I anticipated that a XXXX payment would be due and did not want it to be late. Therefore, on XXXX/XXXX/2016 I sent a check to the bank and it was received. Two days after I mailed the XXXX payment, I received the XXXX statement from Selene indicating that a $ XXXX was due XXXX XXXX and that my next regular payment would be due XXXX/XXXX/2016. So I called them and asked them to credit the payment that they would be receiving to the principal portion of my account. They denied the accuracy of the $ XXXX statement saying that a system glitch had sent out the statement. However, I again received a statement today confirming that a XXXX - NOT XXXX - payment would be due on XXXX/XXXX/2016. Can you help me to get credit for the XXXX payment that I sent in and have it credited to the principal balance? Thank you so much!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-14
Company: Platinum Holdings Group, LLC
State: NH
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
Worldwide recovery in california has been harassing me continuously at my work and calling my cell phone. They have gone as far as to tell my employer that they are sending someone to arrest me at my work if i do not contact them. I have asked for them to send me information in the mail and they refused. I want them to stop harrasing me. If i owe a debt snd me a letter with proof and we can work something out.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12
Company: Experian Information Solutions Inc.
State: OK
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
On my credit bureau it shows XXXX XXXX XXXX XXXX. It has the open date balance, last paid. I had insurance at the time of whatever procedure was done, the balance was {$31.00} if I owed this I would have paid it. I have tried to contact the company and you can not even leave a message. This was on Experian. I am going to dispute it with Experian, but I think that the person who put it on should be able to be contacted.

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 2020-08-18
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
I have submitted numerous dispute letters to Experian regarding a bankruptcy that is incorrectly listed on my credit report. This bankruptcy does not belong to me. Experian has continued to send me dispute results stating the bankruptcy was " verified ''. I have sent two letters asking Experian for their method of verification and have never received a response regarding my letters. 

At the same time, I disputed the information with the other two credit bureaus ( XXXX and XXXX   ). The information could not be verified and was therefore removed from my credit report. XXXX  and XXXX  uses the same vendor, XXXX, as Experian to verify bankruptcy information that it lists on consumer credit reports. With that being said, how was Experian able to verify that using the same vendor? I have done my due diligence and contacted the bankruptcy courts as well as XXXX  and they both have stated that they do not verify bankruptcy information. XXXX  has said they are not responsible for the use or misuse of information that 3rd parties gather from their site whether correct or incorrect. I have sent this same documentation that I received from them to Experian and they have still refused to remove this inaccurate listing from my report.XXXXI called Experian about this issue and was told that I could not speak to a supervisor when asked. I asked if I could be transferred to an escalation que and was told no. I was told that a supervisor would call me back in 3-4 hours. Nothing! This alleged bankruptcy was listed differently between all three bureaus that claimed to have gotten the information from the same vendor, XXXX. If the information came from the same source, the information should not be different. I also sent Experian letters showing the difference and the inconsistencies. Again, nothing. I've sent copies of my results showing where XXXX  and XXXX  had deleted the bankruptcy from my credit report and asked them to follow suit being that is had already been determined by the other two bureaus as incorrect and unverifiable. Again, with Experian, nothing! This listing is damaging my reputation and my credit worthiness. 

1st letter mailed XX/XX/20, received XX/XX/20 @ XXXX XXXX  2nd letter ( method of verification ) mailed after results from 1st letter was mailed on XX/XX/20 and received on XX/XX/20. Also sent a follow suit letter since the other bureaus had deleted the bankruptcy. 

3rd letter ( method of verification follow up ) mailed on XX/XX/20. No documentation received regarding this letter. 

Phone call to Experian was made on XX/XX/20.

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 2022-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
THIS IS A DIRECT RESULT OF IDENTITY THEFT. I HAVE TAKEN THE PROPER STEPS AS REQUIRED BY THE FEDERAL TRADE COMMISSION AND COMPLETED A SWORN AFFIDAVIT FCRA Sections 605B, 615 ( f ), 623 ( a ) ( 6 ).

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 2016-06-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint:
I attempted to get my 'free credit report ' in XXXX 2016. The attempt was successful the free part was not. I was just billed {$19.00} from Experian for credit monitoring services. I called and cancelled any service with Experian. I am amazed that the swindle by Experian was successful. I have about XXXX years of XXXX experience and was very careful not to sign up for any services, free or otherwise. Please review the process used by people to get the free credit report to analyze how 'they ' are able to fraudulent charge people for unwanted services. 

XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX

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