BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-27
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Hello My name is XXXX XXXX I have XXXXitems that have been removed from Equifax Credit report my Equifax credit score report is only reporting XXXX removed this is error all XXXX items that have been removed should be reflecting on my Equifax Credit Score not just XXXX .I 'm in the process of buying a home and ca n't because Equifax is n't reporting these items this needs to be fixed as soon as possible. 

Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
XXXX my car insurance with XXXX ended when I found a cheaper rate ... sooo I did not pay my final bill of XXXX to them. So my policy was cancel. I noticed when I started viewing my credit report recently the above balance was on it. I do not understand why XXXX XXXX sold my account to a third party collection agency name Credit Collection Services..I always in the past searched for better car insurance rates and not been penalized by having the balance on my credit report for not paying the policy in full ... Is this legal? By the way never read anything on my policy stating that unpaid balances go to collections ...

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I have tried fro three months to have the XXXX credit bureaus verify incorrect information on my credit reports and i have not received any replies.. i even sent letters certified to make sure they received them and nothing to this date.. They have violated the FCRA and at this point and time they must delete all negative items from the reports .... I hope you are able to contact them in this matter as it has brought me to my wits end. Thank you for your time Attached is the last letter i sent this credit reporting agency

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-25
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
credit Bureau Equifax not showing my correct information disregarding official state records open for public:1. as my employment history -I was working with XXXX since XX/XX/XXXX until XX/XX/XXXXand with XXXX since XX/XX/XXXX till present2. as showing XXXX names for me instead of oneI am XXXX XXXX not anybody elseAlso credit bureau XXXX showing incorrect information on my name as well - I am XXXX XXXX and onlyand I am afraid that third credit bureau has the same issues but they did not provided for me their data for nowPlease help me out because these situation continuing for a years and they are not helping at all

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: EQUIFAX, INC.
State: IN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is completely unjustified that I have consistently made timely payments for this account and have never been overdue. I kindly ask that you rectify my account to accurately reflect this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
My card was stolen while I was hospitalized. I report the fraudulent use to Capital One. However, several of the charges were charged back to my account. Capital One advertises zero responsibility for fraudulent use but claims that because the chip in the card was used that I am responsible for the fraudulent charges. I have requested several times to the Fraud Department to credit my account, but requests have been ignored. My account is basically paid in full and should have zero balance. However, the fraudulent charges totaling {$460.00} is on my account, and I am being charged interest on fraudulent charges. In addition, my payment date and address was changed, and I questioned whether a duplicate card was mailed and/or a data breach at Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I fell upon a hardship where I was unable to pay this debt in a timely manner. While I have settled most of the debts either through arbitration where I have made an offer that was accepted, others have sued me in court for the full amount. I am now on a fixed income and can not repay the debt. I live in the state of California and the debt has been turned over to a collection agency who is not the original lender. ( This is a Credit Card ). It continues to show up on my Credit Report and prevents me from improving my Credit Score to raise my standard of living. The debt ( s ) are more than ( 6 ) six years old and continue to haunt me. I believe that statute of limitations in California is ( 3 ) three years. Please advise me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
I enrolled in a high deductible Health Insurance plan through my employer effective XX/XX/2016. I opened an HSA with XXXX XXXX around on XXXX XXXX, 2016. I decided to fund my HSA by completing a one time partial rollover of cash from my traditional IRA at Capital One Investing. I submitted a Transfer form which I received from XXXX XXXX and had my signature notarized by a notary at a XXXX office since I 'm a member. 
Capital One received the form and refused to process because the form did not include a Medallion Signature Stamp. I tried to submit the from a second time and took the form to my personal bank, XXXX XXXX. XXXX XXXX representative told me the Transfer form does not require a Medallion Signature Stamp because the funds being transferred were not securities but FIDC insured cash. XXXX XXXX agreed to guarantee my signature and stamp the form which they explained is similar to a Medallion Guarantee Stamp. 
Captial One refused to process the second request to reansfer funds to my HSA because they said the form lacked the Medallion Guarantee Stamp. 
As a final resort I had the funds distributed to my personal checking account and then transferred the funds to my HSA. The problem is this transaction will now appear to be taxable. I feel Capital Ones requirement of the Medallion Signature stamp impeded me from completing the rollover transaction as provided by IRS regulations. 
Medallion Signature Stamps are difficult to obtain. Few institutions offer them and I would have had to open an account that I did not want or need.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
When pulling a copy of my Equifax, XXXX, and XXXX Report online I saw where there was a public record reporting negatively against me. I have a copy of a letter from the clerk of courts in XXXX County from the XXXX where this judgement is indeed an error and does not pertain to me. This lien clearly states that this lien is against a different tax payer and not me. With this letter I was able to dispute the public record off of my XXXX and XXXX credit reports with no problem. For some reason Equifax is giving me a hard time and will not remove this inaccurate information from my report. This public record is a false derogatory account that is affecting my credit score. I am in the process of attempting to use my credit. 
* I submitted a dispute to Equifax on XXXX/XXXX/2016 *I submitted a dispute to Equifax and to XXXX County Clerk of Courts on XXXX/XXXX/2016 * I submitted a dispute to XXXX County Clerk of Courts on * I submitted a dispute to the Consumer Financial Protection Bureau on XXXX/XXXX/2016 * now I am submitting a dispute as of XXXX/XXXX/2016 I am hoping that this agency is able to get his matter resolved I have spent lots of hours dealing with this and typing out all of these dispute letters. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
The attached updated credit bureau from Equifax is invalid, as the collection agency responded to Equifax that the account was in fact mine. I have attached a copy of my Chapter XXXX bankruptcy release of all creditors, and the company known as XXXX XXXX XXXX is aware of this release. The collection agency is in violation of their subscriber agreement with Equifax. My rights under the Fair Debt Collection Practices Act is in violation as no official assignment was ever processed or procured with the United States Bankruptcy Court. In essence, Equifax has no other recourse but to officially delete the attached account, and the collection agency must purge any information on against me personally and all pertinent information to the account in general.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11
Company: Pressler & Pressler, LLP
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint:
Hello, Pressler and Pressler LLP Counsellors at Law XXXX XXXX XXXX. XXXX, New Jersey XXXX. XXXX ( XXXX ) XXXX are trying to collect on a debt that is past the statue of limitations. Furthermore, it is my husband 's who is deceased. The original debt is a credit card sold to XXXX XXXX XXXX. So not only is Pressler attempting to collect this expired debt so is XXXX! Moreover, where they served/mailed the court notice is a place I have n't lived for three years! It was wiped out by the 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 2016-12-12
Company: Turner Acceptance Corp.
State: IL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
this creditor ( turner acceptance corp ) has sold my account to a third party debt collector has sold my account to XXXX for non payment and was reporting balance correctly at XXXX each month for approx 5 years in XXXX or XXXX of 2016 they changed balance to credit Bureau to XXXX without any notice to me At all which is a fcra violation, I 've called this the original creditor to fix balance but they refuse to do so they just direct me to call collection agency which they do have correct balance but they are not the once negatively reporting to score. Which is another fcra violation, XXXX has fixed this issue for me numerous times and told me the company needs to fix this or this issue will continue each and every month. I have file numerous disputes showing proof of corrected balance to credit be bureau and only XXXX corrected XXXX refused without sending me notice of why they would n't except the proof of correct balance directly from the debt collection agency XXXX, this is affecting my credit and affecting me from being able to purchase a home or to even get a new car. I am willing to pay of balance of XXXX but only if company is willing to remove From credit after receipt of payment due to all the stress and frustration they have cause it reporting this incorrect balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I recenty obtained a copy of my credit report that I dispute Inquiries and Public information. There was unauthorized inquiry made by XXXX company. XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. Rate Genius Date XX/XX/2016. XXXX. Equifax Mortgage Services Date XX/XX/XXXX XXXX XXXX XX/XX/XXXX. XXXX CREDIT LLC Date XX/XX/XXXX. XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX. XXXX Date XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX XXXX. Tax Lien XXXX XXXX/XXXX/XXXX. XXXX. Chapter XXXX Bankruptcy XXXX XXXX/XXXX/XXXX. XXXX. Tax Lien XXXX XX/XX/XXXX. XXXX. Tax Lien XXXX XX/XX/XXXX. XXXX. Judgment XXXX XX/XX/XXXX I have disputed XXXX time with them to remove or deleted. The company said they validating credit. This has made my XXXX score drop.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card
Issue: Other fee

Complaint:
Capital One failed to protect my account from repeated fraud and wo n't let me activate my replacement card. I have had a credit balance of nearly {$2000.00} for almost four months and Caputal One refuses to let me have access to my money. My credit limit is {$600.00} and they have three times my credit limit in my funds and they are depriving me of my right to use MY money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card
Issue: Transaction issue

Complaint:
On XX/XX/2016 XXXX charged my Capital One Account {$550.00}. At no time did we ever authorize or use this merchant. This was filled with Capital One as a fraud event and they canceled my account and issue out a refund with a new card. The charge appeared again on XX/XX/2016 and we went again with a fraud dispute and my account was re-credited. It again appeared on XX/XX/2016 as a recharge. Over the last XXXX weeks I have spend countless hours on the phone and writing letters. No body there ever returns a phone call. I need this issue resolved. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16
Company: Caliber Home Loans, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I have a three months modification trial, I made all my three payments on time, but never got a final modification because my loan was sold to a different bank and the new bank not honoring my modification and going through with the forclosure on my home. That should be illegal, these guys are bunch of XXXX playing with people lives and deals and they should be stored, cuz they are doing it to a lot of innocents hard working people, that all they want is save their home and dignity. Thank U.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I filed for bankruptcy in 2009 and included all of my debts - which included a XXXX XXXX XXXX XXXX XXXX XXXX credit card. XXXX XXXX XXXX XXXX XXXX is now called XXXX XXXX XXXX XXXX. My credit report shows XXXX XXXX XXXX XXXX account as a charge off even though it was discharged in my bankruptcy in 2009. A representative from XXXX XXXX XXXX XXXX told me they could not talk to me in regards to this matter. I would like to resolve this matter as it is impacting my credit negatively and have this debt removed from my credit report.

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 2015-06-26
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I deposited XXXX $XXXX checks into my USAA XXXX account Friday XX/XX/XXXX. I deposited an additional XXXX XXXX checks into my USAA savings account on Saturday XX/XX/XXXX. My account was locked after depositing the checks into my account Saturday XX/XX/XXXX. I was told by a representative that my account wold be on hold for 2-3 days. When I called back in on XX/XX/XXXX I was told my account was under review and that my account would be inaccessible until Friday XX/XX/XXXX. The explanation was that they were waiting to see if the checks bounced. On Friday XX/XX/XXXX I called the bank back and was told my account wold be frozen/in a credit only status until the checks returned. The checks will not be returned because I still have XXXX in the account that the checks were drawn from. I can see that USAA presented and received all monies from the checks on XX/XX/XXXX I offered to call the other bank and give them permission to discuss my account as well as the funds available in the account. USAA refused. They are going to hold over $10,000 indefinitely and I have no recourse. This is criminal, illegal, and downright sickening that they would treat a customer with no incidence of bounced or returned checks like this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-24
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OR
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
USAA through XXXX XXXX did not cover the replacement of shock absorbers on my XX/XX/XXXX XXXX XXXX. I purchased an extended waranty during the process of refinancing my vehicle. I believe USAA is guilty of deceptive advertising andam filing this complaint in an attempt to be made whole from this deception. On XX/XX/XXXX I obtained a loan from USAA for my vehicle. In those documents and during that transaction I reviewed the information on the web site for the extended vehicle protection plan ( " Plan '' ) and financed {$840.00} for that plan. I recently took my vehicle for servicing and it was determined to need new shocks. My understanding ( now ) of the suspension assembly is that in this vehicle the front uses XXXX Struts, while the rear uses shocks. The web site states the following : https : //www.usaa.com/inet/pages/extended_vehicle_protection_program_main_page? 
akredirect=trueWhat 's not covered? Extended Vehicle Protection may not cover repairs under thefollowing conditions : - If the repair is still covered by the manufacturer warranty or covered by a recall or special policy by the manufacturer. 
- For normal wear items such as brake pads, wiper blades, light bulbs and tires. 
- On vehicles with modifications not recommended by the manufacturer, i.e. useof oversized tires, header pipes or removal of any emission control system components. For moreinformation on what is not covered refer to the service agreement which XXXX XXXX mails to you when enrollment is complete. 

In addition under the section on details of what 's covered it states : https : //www.usaa.com/inet/pages/extended_vehicle_protection_program_details Upper and lower control arms and their shafts and bushings, ball joints, steering knuckles and spindles, stabilizer and strut or track bars and their bushings and links, coil springs, torsion bars and their mounts, leaf springs and their shackles and bushings, hub bearings and wheel bearings and XXXX struts . 

I believe if USAA does n't cover these shocks their advertising is deceptive because of the following : It is clearly stated what is not covered and " Shocks '' are not a consumable product and do n't fall into the categories above. 
- I only saw the web site and the loan documents before I signed the agreement for the loan and did not see this exclusion in the contract ( and still have n't actually as this contract is not in my USAA documents ). I never signed any contract. 
- Shocks are considered part of the suspension assembly and it states that thesuspension assembly is covered. After spending several hours talking to USAA and XXXX XXXX, I still have no resolution. The cost for these shocks is approximately {$430.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Credit card
Issue: Balance transfer

Complaint:
I was offered a promotional APR of 0 % interest on balance transfers and convience checks that expired on XXXX XXXX, 2015. On XXXX XXXX, I called USAA customer service to process XXXX balance transfers and was told my account was locked and I would have to call back in 24hrs to process the transfers. I called back to USAA 's customer service to process XXXX balance transfers on XXXX XXXX and spoke to a represenitive about the offer and was told that that day XXXX XXXX was the last day to take advantage of the offer. I gave her my first account number to a XXXX and XXXX credit account. The represenitive was unable to get the account to be rcognized by the sysytem and suggested that I write a convience check to myself to cover the balance and pay the account myself. The XXXX account was recognized by the sysytem and was processed that day. I was asked if I had any other accounts and after declining, the call ended. On XXXX XXXX, I noticed a finance charge on my account for balance transfers. I called USAA on the next business day and was told that I was charged due to the balance transfer not posting to my account by the end of the promotion period. I was told the check that was written was under the promotion, but not the account that was processed on the XXXX as a balance transfer. I asked why the person I spoke with did not explain this to me and was told that they were unsure as to why. I then asked why the previous customer service rep. did not just advise me to write a check for the amount of XXXX transfers instead of the XXXX and received the same " Unsure '' response. I feel that I was mislead into believe that the balances I transfered over to USAA would be covered under the promotion offered to me, especially since I was speaking to a customer service agent from the company. I then inquired about just paying off the amount that was not under the promotion and was told, I could not do that without paying off the entire balance of the card. I do not understand why I can not specify what balance is paid after I make the minimum payment.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-06
Company: Data Search NY, Inc.
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
COLLECTORS KEEP REPORTING COLLECTING, CALLING ETC.. ESPECIALLY AFTER CEASE AND DESIST ORDERIN PLACE SINCE 2008 SEE LETTER FROM XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation