BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am requesting verification validation of debt per my right under the FDCPA section 809 A and B. I have contacted this company before and they can not provide proof this is my debt. This is currently being reported on my credit report and its not mine. If these documents can not be provided within 30 business days, then this account needs to be removed from all 3 XXXX 's. I will contact an attorney if needed to protect my rights as I am aware of the actual and statutory damages for each violation. PRA is also a debt buyer therefore I want the bill of sale on this account for each time this changed hands. I have no problem taking you to court to get these records and you would have to provide a custodian of records to prove the documents are accurate. This also means I have the chance to so a deposition.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
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:
The company closed my account without any notice for no reason. I have been a customer of the company for 19 years with perfect payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-09
Company: Receivables Performance Management, LLC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I continue to receive calls from Receivables Performance claiming that I owe money. Lately they call continuously and do not answer. Multiple times a day. I have explained that I have not been given verification of debt since I had to pay XXXX XXXX XXXX a sum of money when I cancelled my service in store. When I do get a chance to talk to a representative, they are typically rude and tell me that I owe more money and did n't pay enough.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10
Company: Genesis Lending
State: MS
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I was issued XXXX loans by XXXX University from Genesis Lending. While in school interest and payments were requested of me. I was unaware of this loan being a private loan and therefore could not consolidate it. I was not notified that these loans were sold to some other company that is requiring immediate payment. I can not pay {$740.00} a month for XXXX XXXX and then {$240.00} on another XXXX. Why was I not informed of these changes and why ca n't get some relief from this company? The school DID NOT inform me of what or where these loans were coming from.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have requested verification According to the Fair Credit Reporting Act, To the credit bureau 3 times according to Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all account request also on the 4th letter i requested for the description of the procedures used to determine the accuracy and completeness of the disputed information, in compliance with the Fair Credit Reporting Act, Section 611, part B, subsection ( iii ) and none of this was provided to me they only send back a letter saying is been verified.

they did not comply I have been requesting this information to them for over 6 months already and they are still reporting without verifying the 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 2021-12-18
Company: CORELOGIC INC
State: MI
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:
XXXX XXXX XXXX XXXX, XXXX, Mi XXXX XXXX XX/XX/XXXX Subject : Fair Credit Reporting Act, Section XXXX Dear Credit Reporting Agency ( XXXX, XXXX, or XXXX ), I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX XXXX XXXX, account number XXXX. As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. My identifying information is as follows : Date of Birth : XX/XX/XXXX SSN : XXXX As proof of my identity, I have included copies of my VA entitlement, Social Security card, drivers license, rental agreement, and a cellphone bill. I have also included a copy of my credit report with the account I am requesting to have verified circled and highlighted. I only ever had one credit card with XXXX XXXX and there was only ever one missed payment. XXXX XXXX is reporting it as two trade lines, and one with 3 total missed payments. If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. Sincerely, XXXX 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 explanation
Consumer complaint received 2017-01-04
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My Name is XXXX, I have been working with SPS on a short sale for more then a year, I also been writing complaints about that same amount of time, they ask for document 's I give them the asked for documents and by the time they are looked at, SPS needs more documents. as I keep going in the same circle with SPS not XXXX decision on the short sale has been made.it is now XX/XX/XXXX a new years, SPS is still asking for documents. my complaint is that SPS ca n't or wo n't complete the Short Sale Process, I have had a active buyer that is still waiting for a decision to be made, The purchase contract was submitted on XX/XX/XXXX, I started working with SPS in XX/XX/XXXX. 
I would like SPS to complete my SPS sale so I can move on. 
Thank you, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
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:
I opened a SECURED credit card with Capital One XX/XX/XXXX, 5 months ago I had to deposit {$400.00} out of my personal checking account and load it onto the card in order to open the account I received my card about two weeks later I tried to use the card and the account was already closed. they gave me no explanation on to why they closed the account. Immediately I was concerned on how I get my funds back that I had to deposit on the card. they told me I would receive a paper check of the funds mailed to the address I used to open the card in 1 to 2 billing cycles which wouldve been two months ( XX/XX/XXXX ) it is now going on 6 months ( XX/XX/XXXX ) And I still have no check I have called them multiple times and every time they tell me something different now theyre telling me theres nothing they can do about it because the account is sealed and locked and they cant get into it to see whats going on and this is coming from the fraud department! capital one is telling me they have no access to the account any longer so basically they cant do anything about sending me my {$400.00} back well that did not work for me for obvious reasons I asked to talk to the fraud supervisor. Well I got in touch with the fraud supervisor and they told me I had been given the wrong information that they dont send out paper checks and that I had to call my financial institution and dispute the XXXX $ eft transaction from capital one that was done XX/XX/XXXX to get my {$400.00} back I contacted my bank and they informed me That 90 days is the maximum time allowed on a EFT dispute. So I got back with Capital One fraud supervisor and let them know that my bank can not do that its been well over the 90 days that the banks allowed for eft dispute. After I informed him of this he put me on hold and now they are telling me I have to wait the full six months and then I should receive my check in the mail let me remind you that they had just told me that they dont send checks in the mail for closed secured credit card accounts and that I had to dispute it with my financial institution but since I told them that is not possible now theyre telling me I can get a check again??? I just have a feeling they are giving me the runaround and they have no intention on giving me my money back I have given them more than enough time to make things right and send me my funds back like I said It will be the six months in XXXX that I waited for my money that should have been sent to me according to Capital One in 1 to 2 months can someone please help me get my money back regards XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-08
Company: EQUIFAX, INC.
State: WV
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:
XX/XX/XXXX. An unauthorized hard inquiry was sent to Equifax for XXXX XXXX 
Didn't discover it until around XXXX or XXXX XXXX when got new credit card. 

Attempted several times to dispute online and kept getting bounced back. In XX/XX/XXXX got thru to agent at Equifax. And wasnt able to get resolved on phone. 

Sent letter from XXXX XXXX  in early XX/XX/XXXX stating XXXX XXXX  requested removal of inquiry on or around XX/XX/XXXX ; letter dated XX/XX/XXXX. To Equifax via mail. XXXX XXXX  also agreed to send notice to Equifax. 

Checked multiple times. No updates. 
Multiple online inquiries. Equifax wont remove it. They blame XXXX XXXX. XXXX XXXX  blames Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18
Company: Experian Information Solutions Inc.
State: AL
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:
First and foremost I am submitting this complaint on behalf of myself and not a third party. this is my second request about this matter and I dont know what the problem is with XXXX and Experian not abiding to the laws. I am a victim of identity theft and they are still reporting this information after I have already sent the proper documentation about these fraud accounts. I'm tired of this inconsistency with these credit reporting agencies the only one who seems to follow the laws is XXXX in this case. According to the FCRA law once the consumer makes it aware with documentation these fraudulent account should be deleted within 4 business days it has been over 4 months!! what is the problem? I have been trying to secure a home for my family and this fraudulent information that is being reported is causing me emotional stress and a financial burden because of lack of compliance from XXXX and Experian as they continue to ruin my reputation by reporting this false information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-10
Company: F.H. Cann & Associates, Inc.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
They are supposed to stop payments during this time until XXXX due to the Coronavirus and I call and no one is there. I work for XXXX  and the comptrollers can not stop the garnishment until They hear from them. The dept of education says its supposed to be stopped. What do I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: EQUIFAX, INC.
State: GA
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:
The inquiry listed in this report is fraudulent and I did not apply for it. Also attached is an identity theft report. 

Equifax Fraudulent Inquire XXXX XXXX XXXXXX/XX/2022 *IDENTY THEFT REPORT ATTACHED*

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29
Company: AMERICAN EXPRESS COMPANY
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
So I applied to American Express Blue Cash Everyday credit card. The promotion said " For the first {$2000.00} dollar spending in a U.S. restaurants in the first 6 months, get 10 % cash back ''. I spent {$1900.00} dollars in U.S. restaurants which is clearly marked in the " Statement '' section. However, only 1 transaction of {$17.00} was being honored as spending in a " U.S. restaurant ''.

I tried to contact the bank for more than 10 times. For 8 times, they opened a case for me and never responded later. For one time, they said that are facing technical difficulty and should be solved in 4 weeks which did not happen. 

The last time I contacted them, which was today, a supervisor was talking to me and telling me that all the transactions but one are being listed as " other purchases ''. It is very clear from the statement page that those transactions are being processed as " restaurant '' purchases, but I don't know how, from the customer service 's perspective, they are being processed as " others '', which would help them not giving me the cash back they should give me. ( And other banks like discover processed it as restaurant normally ). They said it has something to do with the tax ID the restaurants are using and the customer service asked me to check with the merchant if they listed themselves as restaurant which is an impossible task to do. Plus, I spent at several chain restaurant which they have very little odd that they register wrongly. It has been 7 months since the problem starts and they can not give me a satisfying answer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card
Issue: Billing disputes

Complaint:
this is the second time i have contacted you. FIa was asked by me when they closed my accounts due to BUSINESS decision to eat my balances. i claled today to check was told to call a XXXX XXXX number that just asked me for my money that is not what i asked. so no letter or call to date has resolved it. i feel i should NOt have to pay the remaining balance due to how they treated me and closed my accounts. i will not endure any other adverse impact either to my credit.

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 2017-03-10
Company: The CBE Group, Inc.
State: UT
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
CBE Group continues to put collections on my credit report that are my EX WIFES medical bills!!!! We are not married and have n't been for a very long time! I have never signed anything and they should not be allowed to just report whatever they want on my credit. I will have my attorney file for damages if they do not remove ALL of the accounts from my credit. I have n't been to the DR and I have no medical bills!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
My complaint is with XXXX XXXX, XXXX XXXX, XXXX  XXXX, MO XXXX XXXX AZ branch office. Both my checking and VISA accounts were closed at the branch on XX/XX/2020. In XXXX I received a statement which I disregarded because the account was closed the previous month. Then in XXXX I received a letter stating that my XXXX XXXX  credit card was past due. Since then I have been trying to understand what happened. I contacted my branch manager XXXX XXXX who referred me to the Credit Card department. Apparently the Credit Card department is independent from the branch. After some time the Credit Card department told me an auto pay bill was dated XX/XX/XXXX, four days before I closed the account. I thought there must be an error. If there w as a bill pending why didnt the branch tell me that at the time. They didnt so here I am trying to reconcile on XX/XX/XXXX. 
I did reconcile and paid the bill same day. Next, I get a credit bureau change notice from my XXXX XXXX. My credit rating went from XXXX to XXXX because XXXX reported a delinquent account even though the issue was still being resolved, I called the branch manager who referred me to the credit card department who referred me to the collections department who referred me back to the branch manager. At every turn all I wanted to do was speak with the department or person who handles credit bureaus disputes. No luck. Whats fair is the bank should change what they reported. One of those departments told me they couldnt change the report. Im pretty sure they can.

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 2016-08-04
Company: CREDICO. INC
State: SD
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I went in to Credit Collections Bureau and paid a small claims, the front desk person looked it up and told me the amount, paid by debit card and got a receipt that said judgement paid. Now I find out that there is more interest to pay. I am XXXX and trying to close on a house they said I owe XXXX more in interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-23
Company: Chaparral Inc
State: OH
Product: Debt collection
Sub-product: Auto
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
This company has been pulling my credit randomly without my authorization. Once I got a hold of XXXX and seeked legal advice I told them everything about this company and they told me to still report it to you. This company I had an auto loan that was in default. They turned to XXXX to reach out to friends and family. They got a hold of a friend and told him personal info regarding my information on how much I was past due etc. All this was done on social media XXXX. Once I found out that this was illegal I want to make sure this did n't happen to anyone else. This company will give out details to anyone on XXXX. 


*On the info I uploaded with messages it is kinda scattered dates because thats how it came forwarded to me*

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-01
Company: WELLS FARGO & COMPANY
State: NY
Product: Credit card
Issue: Payoff process

Complaint:
On the " Pay My Wells Fargo Accounts '' page, the Amount drop-down only gives you the option to pay the " Total Amount Due '' and not the Outstanding Balance. In order to pay the Outstanding Balance, you are forced to select " Other '' and then manually enter in the dollar amount corresponding to the Outstanding Balance. This is deceptive and unfair because it does not give card members the option to pay their entire Outstanding Balance, encourages card members to inadvertently continue revolving a balance, and allows Wells Fargo to charge interest on unpaid balances that the card member may not made aware of.

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 2020-05-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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 CAPITAL ONE ACCOUNT LAST 4 ARE XXXX and payment was due on XXXX XXXX. I made an electric payment thru XXXX on XX/XX/XXXX. I have used XXXX for over 15 months on this account. They ask to allow 4-5 days for credit to post. It took CAPITAL ONE 8 days to post the " ELECTRIC ACH '' credit. They charged me {$25.00} late fee. I have months upon months of payments with them and NONE OF THEM took 8 days to post. It is obvious they are stalling crediting to increase their profits lost by covid purchases. I called capital one and billpay and neither will accept the fault when I did my part as a customer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-10
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX  XXXX XXXX Charged off but I never had a account with XXXX  XXXX XXXX. This account is due to fraud that someone else put in my name that I have no knowledge of. It was removed off of my report due to the Identity Theft but now this account just recently showed up as a charged on my credit report again. I would like this removed immediately. The amount claimed to be charged off is {$4300.00}. The date that this account is reporting to be open was XX/XX/2016

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