BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-28
Company: Resurgent Capital Services L.P.
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I don't have account informations, they will not provide me with them. XXXX back refused to provide me with proof of payments. I was trying to get a mortgage at this time and payoff bad debt, they told me they had a order that said they couldn't send me any information, do they refused to send me any records of my payments. My mortgage fell through due to this. 45 days later everything was removed from my credit report then 1 and 1/2 later XXXX of XXXX bank debts came back on my report that I already paid. They sued me for XXXX, so I was forced to pay it again, I have repeatedly yold them I don't owe them it. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting 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:
There are hard inquiries on my credit for 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 XXXX I did not authorize any of these inquiries they are all in the same year and less then XXXX to XXXX months apart which does not make sense. 
Also I have hard inquiries for CAPITAL ONE ( Bank ) XXXX XXXX, XXXX CAPITAL ONE ( Bank ) XX/XX/XXXX CAPITAL ONE ( Bank ) XX/XX/XXXX CAPITAL ONE ( Bank ) XXXX XXXX, XXXX same activity same year months apart that I did not authorize and would like to have them removed/delete from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-25
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
You are in direct violation of the FCRA. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 1

5 U.S.C 1681 SECTION 602 A. Clearly states that I have a right to privacy.

15 U.S.C 6802 SECTION B : I was not given the opportunity to opt out of reporting my information to a third party.

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

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose unless they have adopted reasonable procedures to ensure each statement is delivered to the consumer no later than 21 days before the payment due date. 

Remove these late payments and update to paid as agreed/on time immediately as you are in direct violation of several laws under the FCRA. 

I was not provided with the method of verification in a timely manner meaning this information was not verified.

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 2023-12-08
Company: SYNCHRONY FINANCIAL
State: OR
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I made a payment of {$120.00} on XX/XX/23 and sent CareCredit a message requesting that my payment be applied to my non-promotional ( standard purchase ) balance first. They responded on XX/XX/23 with a message saying " In accordance with your recent request, we've applied your payment to your requested balance, effective today. Please allow up to 72 hours for the update to appear on your online account, and the adjustment will appear in the Promotional Summary section of your next billing statement. '' When I looked at my account a couple of weeks later, it looks like my standard purchase balance ( {$100.00} ) was not fully paid off ( still owe {$39.00} on that purchase ) as I requested and one of my promotional balances had increased from the original purchase amount of {$300.00} to {$350.00}. I called CareCredit customer service on XX/XX/23 and they told me that instead of allocating my full payment fully to my standard purchase balance ( as I requested and they promised ), there was an accounting error and my promotional balance was increased instead. This means that not only are they not using my money I sent them to pay off my balance, they are charging me more fraudulently. They said they would correct this error and then they told me that I was not allowed to request payment allocation by message, I had to call customer service. If this was the case, why did they send me a message on XX/XX/23 saying they would allocate my payment as promised? 

If I did not go into my account, I would not have found this error. Even though I called them on XX/XX/23, my account is still reflecting a standard purchase balance as of XX/XX/23 that was supposed to be paid off as of XX/XX/23, which means they are also charging me additional interest on that balance that was supposed to be paid off. This is fraud. They said it could take 2-3 billing cycles to correct this. Why??? So they can charge me additional interest that entire time? Other banks are able to reflect payments and corrections within 24-48 hours. 

I have documentation to support all of this.

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 2023-12-08
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.

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 2023-10-23
Company: TRUIST FINANCIAL CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
Please refer to your XXXX. This account is for a XXXX car lease through Hann Financial Service from XXXX XXXX. 8 years ago. I was put into collections because my last payment was for {$490.00} instead of {$490.00}. That is a difference of XXXX cents. I have two children in college, and this is continuing to hurt my credit with all three credit agencies. 

PLEASE NOTE : This was already resolved and removed from all credit reports 2-3 years ago. It is suddenly reappearing. It should not be!

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 2023-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-12-08
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account names & account numbers as follows. 
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 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 has violated my rights. 

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 instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 16815-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-10-20
Company: U.S. BANCORP
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
U.S. Bank closed my account but never returned the remaining balance of {$15000.00} to me. I contacted U.S. Bank so many times, and none of the agents able fix the issue.

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 2023-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting 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:
I want you to investigate this inappropriate information on my credit report and after investigating please delete it! 

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 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 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 XXXX 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 non-monetary relief
Consumer complaint received 2023-12-08
Company: LEXISNEXIS
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have tried so many times to remove this bankruptcy from my credit report. This bankruptcy was filed by my ex husband, to try and save a property that i wasnt aware that was under my name. At first i thought that the bankruptcy was my moms because we have the same name but now i realize what really happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09
Company: EdFinancial Services
State: MN
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:
I am currently enrolled in an income based repayment plan for my student loans. I asked to change to an Extended Fixed plan ( which is NOT income based ) on XX/XX/2023. I received a response on XX/XX/2023 stating the terms and asking if I accepted. I responded on XX/XX/2023 accepting the terms. 

I did not hear back so I emailed again on XX/XX/2023 confirming they received my email accepting the terms to change payment plans. 

On XX/XX/2023 they replied stating they would submit my request and to allow XXXX business days for the change on my account. XXXX days passed and the change was not made. 

On XX/XX/2023 I received another email stating my request had been submitted ( I had not emailed again ) and would take 30 days for processing. 

On XX/XX/2023 I called in asking for an update on when my payment plan would take effect in my account. They had no record of my request and made a note to change it. They said they resubmitted my request and it would take another 30 days to see it in my account. 

On XX/XX/2023 I received an email stating I needed to complete a form ( the XXXX XXXX XXXX plan request form ) and pay {$5.00} or more to exit my plan. There was no info. on where to make the payment and the form was for those XXXX an XXXX XXXX, not exiting. I replied to the email with these questions. 

I have not received a response and my account still shows my old plan which I can no longer afford and have told them this.

Company response to consumer: Untimely response
Consumer complaint received 2023-12-09
Company: LEXISNEXIS
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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 instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09
Company: SANTANDER HOLDINGS USA, INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Account reinstatement or redemption after repossession

Complaint:
Santander repossessed my truck after 5 years of me making payments and its insured and registered. They claim that Ive never made a payment and that if I want the truck back I have to pay {$20000.00}. Santanders executive office said they have record of {$18000.00} in payments from me on my principal but their financial department said that wasnt true. The tow truck company that they said has my truck wont call me back or answer my calls and Santander wont give me a record of my payments that Ive made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-15
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company is trying to request debt that is not mine and opened a collections account. The collections company said I owed a debt of {$1600.00} from XXXX of XXXX which goes directly against the statement I have of what I owed the apartment company due on XX/XX/XXXX. The charges that the collections company shows does not even make any sense. They claim I owed utilities from XXXX and XXXX of XXXX which is made up as the utilities were held in my name directly and not the apartment buildings. I have the utility account numbers and proof of having accounts directly with the utility companies. I have also attached my lease which shows under number 7 that the company did not pay utilities as there were no boxes checked indicating that they were responsible for them. Also the account number on the statement they provided me is not the same account number I had with the apartment company which I also have proof of. Lastly, this company claims two payments was made on XX/XX/XXXX in my name one of {$33.00} and one of {$1000.00} which I did not pay as this is not my debt. The last statement I received from the apartment company was on XX/XX/XXXX. Lastly the collection agency is saying I owe damages for cleaning, painting and carpet cleaning which does not add up as no damage was done beyond normal wear and tear and plus I never received anything from the apartment company claiming these allegations. I told the collection agency two separate times that this was not my debt and I want to dispute it. Bases on all the facts above and most importantly the fact that the account number they provided me was wrong, this is not my debt as I have no association with the account number they gave me. It seems to me this is an attempt as a money grab.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am filing this complaint to CAPITAL ONE for allowing fraudulent account on my credit report and for no corrective actions taken on this fraudulent information. As I checked my recent credit report, inaccurate account is reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX for your reference and as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On XX/XX/2023, a Certified letter was sent to Experian demanding they DELETE outdated addresses and inaccurate names from my Consumer Report and no response. 

On XX/XX/2023, Experian responded stating they're still working on my issue. 

XX/XX/2023, Experian responded stating they won't remove one or more sources of information reported because the address I questioned to be deleted is part of my credit history, and my complaint was closed with NON-MONETARY relief. 
I provided feed back to Experian on XX/XX/2023. 
I then proceeded, to dispute the addresses and names online with Experian on XX/XX/2023, with Experian only updating the disputed information. 

On XX/XX/2023, I sent Experian a Certified Mail Letter With Return Receipt, for the second time demanding the items be DELETED from my Consumer 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 2023-10-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
This is about Wells Fargo I have a checking account with them and Im consistently calling them because they always put overdraft fees on my account even though I have the money to cover it. I Have called them multiple times due to them freezing my account to these overdraft fees since Ive had Wells Fargo checking account but this last time I got fed up with them, I called yesterday XXXX XXXX because I noticed overdraft fees on my account XXXX XXXX XXXX and the dates on there I had money in my account plus I get direct deposit from my job the dates were XX/XX/XXXX on one and XX/XX/XXXX on the other overdraft fee I had just received a payment of XXXX plus my daughter sent me XXXX to my account plus I had XXXX dollars direct deposit in my account right around the times that those overdraft fees were for so why are they charging me overdraft when I had money in my account so I called them and they do not listen to what I am saying plus the took off my overdraft protection without notifying me how can they do this my daughter works at a bank and she told me they can not stop your overdraft protection unless you tell them to or you close your account I never told them I want the overdraft protection off my account im so upset with Wells Fargo they want to do what they want to do and not what the customer wants and thats not right that they can make changes to peoples bank accounts without notifying the customer and these overdraft fees when people have the money to cover it

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 2023-10-20
Company: Halsted Financial Services, LLC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XX/XX/2023 till today of XX/XX/2023 I owe XXXX  XXXX  back XXXX $ and I told them multiple times I was going to pay it and they call me every single day and they information is infoXXXX 
XXXX XXXX infoXXXX 

They harass me every single day

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I received a copy of my EXPERIAN CREDIT PROFILE THERE IS INCORRECT INFORMATION AND ACCOUNTS THAT DONT BELONG TO ME

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation