BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
I have been trying for over two months to close an online savings account my late mother had with Capital One. By way of letter dated XXXX XXXX, 2015, I sent the bank a letter of instruction, along with an official death certificate and an original court -issued letters of administration. I received the originals back, along with a letter from the bank dated XXXX XXXX, 2015, indicating the information was being forwarded for remaining account settlement. After waiting a month, I called Capital One, and was told the department handling the account had no record of receiving my information. By letter dated XXXX XXXX, 2015, I once again submitted a letter of instruction, which included a recounting of the above information, and my extreme displeasure with how Capital One had handled the matter to date, along with the XXXX original documents, and waited again. I called today, after waiting yet another month, and was told these amazing things : that they needed a notarized letter of instruction from me, a " requirement '' heretofore never relayed to me, ever, and, that they had tried to reach me by phone without success, a particularly remarkable bit of fiction, considering I provided my correct phone number in my correspondence, and have never received a call from Capital One. Unbelievably bad customer service. I provided an email mail address as well to them in my letters ... nothing received from them of course. Now I must, for the third time, draft a letter to them, have it notarized, and send it off. Perhaps the third time will be the charm. I am so happy I do not bank with Capital One. They do n't seem to understand the money they get to use and manage does not belong to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card
Issue: Delinquent account

Complaint:
We were told we were XXXX days late on a payment to this card ( Capital One ). We thought we payed it off in XXXX 2016 with a payment of over {$3000.00}. We have never been late before. Evidently there were re-occuring charges that we did not know about. XXXX XXXX about {$25.00} per month. We have cancelled that. We talked to a Capital One agent in XXXX about this bill we were getting. He told us that everything would be OK, he would take care of it. Obviously he did n't and now we owed this late amount. My wife in disgust paid the {$190.00} on XXXX XXXX, 2016 just to clear our name. But they say that there is nothing they can do to restore her credit rating of over XXXX since it is over XXXX days late. We are trying to refinance. 
Obviously these big companies could care less about us little guys. They just do n't believe us. Also, we never received any paper statement about this bill. Our refinance guy found out about this. My wife 's score dropped over XXXX points. All we want is her credit rating restored. We did not do this on purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25
Company: CAVALRY INVESTMENTS, LLC
State: FL
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 received notice of this debt and immediately called to request debt validation on XXXX/XXXX/XXXX. I never received a debt validation letter. This is not my debt, however, a few weeks ago I called to settle it because I want it off of my credit report. I am going to be buying a house in the next four months and I want this debt removed because it is not mine and because I want to take advantage of the best credit rates I can get.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: PENTAGON FEDERAL CREDIT UNION
State: NY
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 a victim of identity theft and I write to dispute certain account in my file resulting from the crime. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft.This account unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX AV XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXXDate Opened : XX/XX/2018 Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: EQUIFAX, INC.
State: FL
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:
My previous dispute also decreased my score for an account being paid in full that I am an authorized user of. I do not suppose to have a negative impact on my credit as an authorized user XXXX XXXX Account # XXXX took points from me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: Colony Brands, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My previous complaint included the following statement " In XXXX of 2022 Seventh Avenue reported to the credit bureau 's that I owed them {$150.00} for an order that was placed on their website. I had never heard of this website, did not order anything, and did not receive a package. When I looked further into it they had completely gotten my gender wrong by saying it was for a " XXXX '' ... .I 'm a female. It also was addressed to an address I haven't lived at for over 2 years. When I disputed this with XXXX, I also took the initiative to call the company and ask about it myself. I have a recording with a representative of Seventh Avenue 's billing department where they state that the issue has been looked at and will be removed from my account. It is now saying that it is my debt and is continuing to impact my credit. I have been lied to and mislead. Upon looking at other reviews it looks like this is a common tactic that the company uses to force people into debt with them. This company needs to be investigated. '' They claimed that they sent me an affidavit, which I never received. They have not even attempted to contact me in any other way. My credit continues to get hit and lower from these late payments. I need a resolution. THIS IS NOT MY DEBT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have XXXX  on my mortgage. The lender is Huntington Bank. On the lenders mobile app i was informed that I can have XXXX removed if I have 20 % equity in the house. According to the Homeowners Protection Act XXXX must be removed when the balance of the loan drops to 78 %. So I used some savings to pay down the mortgage quickly below the 78 % threshold so that I would no longer need to pay the $ XXXX in XXXX. Huntington is refusing to drop XXXX  unless I pay them a fee to drop the XXXX. 

Huntington needs to drop the XXXX since I have reached 22+ % equity and NOT charge me a fee to drop it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card
Issue: APR or interest rate

Complaint:
Capital One Bank USA has listed XXXX negative remarks on my credit report on XXXX supposedly separate credit cards showing 5 or more missed payments. All XXXX are showing closed from 2011. Capital One Bank USA continue to update this on my report to extend the time to stay on my report. This is a violation under the ( FCRA ) And under the Consumer Protection Act in the State of North Carolina. 

This negative information being reported has caused me to suffer on the condition of thousands of extra dollars in interest on several loans. I have also suffered stress and undue hardship concerning this matter. 

Capital One Bank USA has being sued in the past for such violations under Federal and State Laws, but this does n't seem to prevent them from further violations against Consumers of the United States. Capital One Bank USA pays the Credit Reporting Bureaus to use there reporting servers to violate laws online electronically. 

It 's possible they violating laws listed under ( RICO ) I ask the CFPB to investigate and demand Capital One Bank USA to stop any illegal practices and to abide by the laws on the books for such, also remove such negative information, refund me monies owed for damages that pertains extra interest I am being charged due to the negative information that they upgrade on a regular basis for the purpose of causing further stress and undue hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On XX/XX/XXXX I went online to review my credit report. I noticed an account from Credit Collection Services located in for a {$240.00} Insurance bill. I did not recognize this account so I sent a letter to the agency requesting validation of this debt. I specifically asked for proof bearing my signature as I have been subject to identity theft in the past while away in the military. 

Credit Collection Services signed for the account on XX/XX/XXXX and immediately responded by sending me a bill with an address that I never lived nor do I recognize. 

I asked for documents showing proof of my signature that I actually opened an account for insurance with XXXX. I have only ever used XXXX insurance companies, XXXX and XXXX. 

This account is having a negative impact on my credit score. I have been turned down for loans because of this account. 

A bill is not proof that I owe this debt as anyone can gain access to my SS # and get bills in my name. 

Since I have sent this letter requesting the account to be validated or deleted, Credit Collection Services decided to place this on my XXXX credit report and my score took a tremendous hit. 

I will pursue this to the fullest extent of the law and even take actions to have a class action lawsuit file as I know a few people who have experienced the same issue with Credit Collection Services.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25
Company: Jana Ferrell & Associates LLC
State: OK
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
A medical bill went to XXXX party bill collectors. I 've made payment arrangements to take care of the bill, making $ XXXX payments until debt is paid. I began payments XXXX XXXX. I have not missed a payment since XXXX. But I get phone calls from the XXXX party bill collectors several times a week to " remind me to pay ''. I 've asked them to stop calling, but they never stop. Every phone call they are very rude, and when I 'm rude back, they say I 'm being uncooperative. They 've received my payments every month without fail, but will not stop the harrassing calls.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: EQUIFAX, INC.
State: CA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I sent a letter dated XX/XX/2022 with accompanying documents to all three credit bureaus via Certified Mail asking to change my name and XXXX XXXX  ( where applicable ) in all of their systems. I specifically requested that my name be reflected in my credit information, including my online accounts as neither credit bureau lets you update it yourself or online. I spoke with each credit bureau separately to get the current instructions to update my name and XXXX XXXX in their system and included every piece of information they asked for in this letter and I made the same specific requests I listed above in my letter. I also included copies of my court order approving my name/XXXX XXXXr, my driver license, a pay stub, and a bank statement. None of the bureaus let you go through the dispute process to do this. About a month or two later ( unfortunately, I don't remember the exact date. ) I got a random credit report in the mail with zero explanation of my dispute. I saw that my legal name was listed in my report and that was it. To date, I have not received a single piece of information about my dispute, what was done about it, conclusion of it, etc. I have no idea what is going on with my information. When I log into my online accounts, it still has my dead name on my accounts and it is very frustrating and distressing to see it when it should an easy fix. Throughout this process, I have received random emails about a " dispute resolution '' from XXXX with a reference code to log in and access the information. Every single time I try to read this alleged " resolution '' it always says that it can not provide with the information. It is absurd. The credit bureaus have integrated all other changes to my contact information from my banks, yet refuse to update my name when I updated it with my banks. I feel discriminated against as a XXXX person that my information is being treated differently than other consumers. I am baffled and incensed that three major credit bureaus can not manage to provide direct, decipherable information when they require extremely sensitive and private information from consumers. For example, I have been trying to submit an online dispute on XXXXXXXX XXXX website for the past week and a half and the webpage doesn't work, so the only option is to call them, which is impossible and useless. Consumers have the right to submit disputes, especially in ways that are accessible to all consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
XXXX  ; XXXX  and Transunion should not be reporting a collection/chargeoff in the amount of {$2000.00} on the XXXX XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This charge was for an emergency ambulance transport of which I had insurance coverage at the time. There was an error in the billing and this account should be reporting a {$0.00} balance. There is no outstanding balance to collect. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2015-05-23
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I found a gas bill in collections on my credit report. It is not mine, we have lived in the same apartment for 12.5 years and it is electric only. I disputed it with Equifax , the only credit agency that showed the bill. They said it 's mine because the collection agency gave them additional information. No one in California would know my information to be able to get a gas bill in my name unless they stole it somehow. No other credit in my name has been opened that I can see. My credit is spotless with no late payments and I would like this taken off my account. I am not sure how to prove it 's not mine since I have no documentation of any kind, having not opened this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-14
Company: Santander Consumer USA Holdings Inc.
State: TN
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I obtained an auto loan with Santander Consumer USA. I consistently receive my bill late so that the only way I can pay it on time is to do so online, where I will be charged a convenience fee of {$10.00}. They state that if I send in a check, it will take 5-7 business days ( which can be 10-11 real days ) to process my payment. My due date is XX/XX/XXXX, and I 've not received by bills until XX/XX/XXXX or XX/XX/XXXX. I feel like this is a deliberate attempt to force me to use a payment option that requires additional fees or to add late payment charges to my account. The first month, I had no choice but to pay the {$10.00} and the second month, even though I mailed my payment on XX/XX/XXXX, I 've received emails warning me that my payment has not arrived and I will incur late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I paid my vehicle off and received the pay off letter from Santander Consumer USA on XXXX/XXXX/2015. The letter states to allow 30 days for the credit reporting agencies to update their records. As of today 's date, XXXX XXXX, 2015, XXXX shows the account as a Repo with an out standing balance? The vehicle was taken XXXX XXXX and I picked it up the same day? The following month it was paid in full. Santander credit dispute department states they forwarded the information to all XXXX credit reporting agencies. XXXX is saying they never received it? The 30 days to update has passed. I would like for the status of that account to show " Paid in Full ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
Company: Experian Information Solutions Inc.
State: NC
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:
XXXX  ; Experian and XXXX  should not be reporting a collection/chargeoff in the amount of {$2000.00} on the XXXX XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This charge was for an emergency ambulance transport of which I had insurance coverage at the time. There was an error in the billing and this account should be reporting a {$0.00} balance. There is no outstanding balance to collect. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: Experian Information Solutions Inc.
State: TN
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:
The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate the date last active is inaccurate, and the date last reported is not accurate. This ground for removal they also violated my rights under. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.

Also the Credit Bureaus took more than 30 days to complete my investigation here is my certified mail tracking number.XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX. XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX violated my 609 rights bu reporting incorrect information to Equifax further violated my rights by adding this incorrect information to my credit profile for others to see XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX/XXXX, Equifax XXXX XXXX XXXX, XXXX XXXX XXXX reported to Equifax that i applied for credit I never applied for. They have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have my addresses, phone numbers, and names corrected on my report this is a violation of my consumer protection rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My Target red card with TD Bank was settled with their XXXX party agency XXXX  and has not been updated on my credit report to show a {$0.00} balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: CORELOGIC 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: Was not notified of investigation status or results

Complaint:
Corelogic I see you released my information to the credit bureaus after I froze your account Please stop reporting to them it was frozen

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