BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card
Issue: Billing disputes

Complaint:
Capital One continues to list hidden charges from unauthorized charges made to my account XX/XX/XXXX. The amount of the XX/XX/XXXX bill was {$1100.00}. On the current XX/XX/XXXX bill, the amount is {$1200.00}, which is more than it should be ; hidden charges still remain. My account should be less not more than $ XXXX, the amount of the XX/XX/XXXX. You have not removed the hidden fees placed on the account for the fraudulent charges made on my account In XX/XX/XXXX.Please do so immediately. 

a. Payments of {$50.00} each made for XX/XX/XXXX as well as XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX which total $ XXXX. Payments of {$100.00} each made in XX/XX/XXXX and XX/XX/XXXX which total $ XXXX. Payment of {$120.00} made in XX/XX/XXXX. 
Payments totaling {$560.00} have been made to this account but are not accounted for. 

Please take my XX/XX/XXXX and deduct the {$560.00} in payments made. Without your legitimate interest charges, the amount that I owe would be $ XXXX.If you add you legitimate fees and interest, my XX/XX/XXXX bill should not exceed the XX/XX/XXXX bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: Experian Information Solutions Inc.
State: VA
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:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 45 days later, I have not received a response yet. I feel like I am being taken advantage of and being ignored in reference to my disputes. Section 611 ( a ), it is plainly stated that a failure to dispute these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 45 days and everything mentioned should be removed promptly. I demand these accounts be deleted immediately, or I will file for litigation for the stress you have caused 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 non-monetary relief
Consumer complaint received 2022-01-03
Company: Experian Information Solutions 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 status incorrect

Complaint:
I am the the consumer and a natural person. Consumer reporting agencies are violating my rights according to the FDCPA and FCRA. They are not reporting an accurate report. Reporting false and misleading information. Ruining my reputation. Stopping me from doing business with other companies. The consumer reporting agencies are still showing accounts on my consumer report that have been deleted.

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 2022-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
HELLO, THE CREDIT REPORTING AGENCIES ISN'T FOLLOWING THE LAW WHEN REPORTING ACCURATE INFORMATION, ON MY CREDIT PROFILES, AND IT'S HINDERING ME. 

THE 15 USC CODE 1681 ( A ). 

THE CREDIT REPORTING AGENCIES ARE GOING AGAINST THE LAWS, AND IT ISN'T FAIR. By the credit reporting agencies not reporting accurate information. 
You can check out my attachments of those snapshot of the incorrect information they have reporting.

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 2022-01-04
Company: EQUIFAX, INC.
State: NY
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:
The 3 credit bureaus are reporting incorrect information on my credit report, XXXX, Equifax, and XXXX. These errors are a direct violation of the Fair Credit Reporting Act. Multiple times these credit bureaus have listed incorrect information on my credit report. This incorrect information is being reported by not one but all three of the credit bureaus. It is causing an extreme amount of stress. No matter what I do these credit agencies are not assisting me and are not replying to any letters that I send them. This is an issue because the FCRA states that they must complete an investigation in 30 days, yet this has not be adhered to. If I do not receive any information from them is this not a violation of the Fair Credit Reporting Act? It indeed is. If you take a look at my attached photos you will see all the inaccurate reporting 's with these accounts. Such as date of last activity, date opened, reporting Charge-off 's only on a payment history. How can a CO be reported as payment history? This is terrible, this wrong. The FCRA states that each credit bureau is to report identical information, however, they're all reporting incorrect information. This is not ok, and is against the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: Experian Information Solutions Inc.
State: AR
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 received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 

XXXX XXXX XXXX XXXX {$2600.00} XXXX  XXXX {$82.00} XXXX  XXXX {$220.00} XXXX XXXX XXXX {$890.00} XXXX   XXXX XXXX {$610.00} XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX {$300.00} CHAPTER XXXX BANKRUPTCY XXXX XXXX {$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 2022-01-03
Company: AMERICAN EXPRESS COMPANY
State: NV
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:
Account Name : XXXX XXXX XXXX Amex a/c # XXXX, don't have the full numbers coz I did not received the card. Present address : XXXX XXXX XXXX # XXXX, XXXX XXXX, NV XXXX XXXX XXXX & XX/XX/XXXX : I rec 'd a letter of confirmation for request, which I did NOT, to update my address on my Amex acct # XXXX, but still gave my present address. 

XXXX XXXX, XXXX : They informed that I have an Account Balance of {>= $1,000,000}, which I readily disputed on my response on XX/XX/XXXX. I requested copies of all the charges made be sent to me for verification, in order to help both of us ( AMEX ). 

XX/XX/XXXX : infroming us USPS can't deliver to said address. The city is wrong, XXXX insread of XXXX XXXX. Inefficient staff they assumed same city ( XXXX ) on different state. 

XXXX XXXX : Rec't Statements for XXXX, XXXX & XXXX XXXX, XXXX {$18000.00}. 2nd Req. 
for detailed charges made. 

XXXX XXXX : Advised that they recived my inquiries. 

XX/XX/XXXX : Advised that the requested statements can NOT be provided due to inactivity and fall outside the retention period. 

XXXX XXXX : Furnished Statement ( s ) copies beriod beg XXXX XXXX XXXX XXXX still don't have the detailed Charges. 

XX/XX/XXXX : Advised that they are working on it ...... AGAIN ... .STILL. 

XX/XX/XXXX : Informing me that my Application for a card is denied. I disputed their decision since they did Not investigate my concerns. Inefficient, all they have to do is check whether there is activity in any of the credit reporting companies to check if I am telling the truth. 

XXXX XXXX : Same as XXXX XXXX XXXX : Again, start of investigation. 

XX/XX/XXXX : Again, they will be investigating, back to ground " 0 ''. 

XXXX XXXX : Denied! Replied XXXX, I insisted that they correct their records and the Credit Bureaus and sent me the corrected report. 

XX/XX/XXXX : Sent me same sets of Statements, what a waste of their time and mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: JPMORGAN CHASE & CO.
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
About a month ago I went to Chase Bank located in XXXX Kansas I was asked to present XXXX forms of ID in order for them to call a number so that they can release the funds that were owed to me that were being held in their holds suspension Department I call today XX/XX/XXXX and ask about the check that I was supposed to receive they have told me that I will have to go all the way up to the bank again represent XXXX forms of ID again in order for them to release the check that should have been done weeks ago I would like something done about this I would like for them to pay me double for the XXXX months I've had to wait and I would like the teller who helped me I don't know his name but I will recognize his face I would like him fired

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19
Company: Comerica
State: OR
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I am on social security. I get my funds via a direct express card that SS insisted I use. I get no bank statements as they cost money I do not have. I called direct express the automated line to see why I had no money left. I ended up talking to a very helpful clerk who very patiently found 3 problems on my account. 1 XXXX company 's were continuing charging me when I had cancelled the services 3 days after signing up on line. So at first the clerk thought we were just dealing with a one month issue.however she took it upon herself to check back and it turns out they have been charging for services I have not received .I had cancelled The clerk opened two tracking numbers then had to cancel them and finially told me to just write it up and send to them. And I need to get the cancellation date and the confirmation number as well. Ok I have done that I have been cking monthly with direct express. What I was told today after I had given them my SS birthdate address phone number to the XXXX person I talked .this had to be done everytime. So why am I not recueving any notification in these as to what 's happening? 2 I was told it was past time they were all closed and I could only go forward with the XXXX charge as I waited to long to do anything. All three company 's started this charging in XXXX. The rep and I on the very first one filed for all XXXX comoanys. And it took me too long times up but wo n't tell me the required time frame which does not matter as they were all done at same time. Now I have already called merchant got can date and conf number and sent to direct express but it 's not I. There notes sorry. Therefore I did n't do it so I ca n't appeal them. This over XXXX dollarrs I 'm being overcharged for service I did n't receive. Now direct wants one paper for each charge this is lydicrous. Rent to own.XXXX and XXXX. Details XXXX said free credit report but was XXXX for one mo then XXXX and XXXX monthly if I happened to spend myoney b4 they got they would n't get for that Mon I opened on XXXX XXXX-cancelled XXXX/XXXX/XXXX with XXXX XXXX number XXXX XXXX XXXX XXXX XXXX. Charged XXXX XXXX,XX/XX/XXXX XXXX,XXXX XXXX,XXXX XXXX XXXX. Rent to own said would have house rto but they only had foreclosures.opened XXXX XXXX cancelled XXXX/XXXX/XXXX conf XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX opened XXXX XXXX, cancelled XXXX XXXX XXXX. XXXX XXXX XXXX. Banks track number last XXXX,. I now pay for my Mon statement. How many ither XXXX seniors r getting ripped off as well. I just want ant my money back that 's all.is that too much to ask.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-13
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I USED FORBEARANCE AND DEFERMENT WITH LOANS FROM XXXX AND NAVIENT. I WAS OUT OF STATE WORKING AND STATEMENTS WERE GOING TO MY PERMANENT ADDRESS. THEY DID NOT USE THOSE TOOLS AND MARKED ME SERIOUSLY DELINQUENT. UPON LEARNING THIS I CONSOLIDATED AND PAID ALL EXISTING LOANS IN FULL. SOME OF THESE LOANS ARE OVER 10 YEARS OLD AND THEY REFUSE TO STOP THE NEGATIVE REPORTING, EVEN THOUGH THEY ARE PAID IN FULL AND I  HAVE NOT BEEN LATE WITH THE DEPT OF EDUCATION IN YEARS. I HAVE DISPUTED WITH CREDIT BUREAUS MULTIPLE TIMES WITH NO SUCCESS.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Dear Sir or Madam, I disputed several negative items, several incorrect names and addresses, inaccurate bankruptcy data all of which are on my credit report and have cost my husband and I XXXX dollars in high insurance premiums and interest rates on loans and my husband is an XXXX Veteran with a VA loan and this inaccurate data is not allowing us to refinance or open a savings account for our child 's education. We have tried to call Experian but ca n't reach anyone, it 's all automated. I filed disputes and provided supporting documentation but the only result they gave me was to remove an inaccurate telephone number. Experian never deleted anything after I proved that certain items were not mine or did not belong to me. Negative information remains and so does the above mentioned items. Nothing has been corrected or deleted.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report, I saw an outrageous amount of accounts under my name that are not mine. Please delete these items from my report. 

XXXX {$1200.00} XXXX {$140.00} XXXX {$82.00} XXXX {$27000.00} XXXX {$420.00} XXXX {$2100.00} XXXX {$14000.00}

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 2015-08-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
A Debt Collector called me and informed me I was late on my line-of-credit payment. I had no clue what she was talking about. I finally concluded that a checking account and a line-of-credit was opened in my name in a Sate I lived 20 years earlier and decided to no longer make payments. 
I could n't verify account info, because I had no knowledge of these accounts in the first place. I was assured that Fraud Protection would get ahold of me, but after 2 months I still have n't heard a thing. I 've made repeated calls back to get a phone number for them, but was told they ca n't. My credit Score has plummeted from the XXXX to the high XXXX - sole because of this issue. 
I have tried calling the Financial Institution directly from my Credit Report, but they insist the debt is mine. They will not furnish me with details on who has been receiving the account statement, how long they 've been making payments or what the actual account numbers are. 
I am at a loss here. I pay my mortgage on time, I pay my car payments and credit cards on time, every month and this account pops up and is wrecking my life. It does't even pass the logic test. 
Someone must be able to furnish me with more info - and someone needs to rectify this account on record.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-18
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:
I have never had XXXX ins

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14
Company: Ocwen Financial Corporation
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I had an FHA mortgage that was paid in full on XX/XX/XXXX with Ocwen Loan Servicing. In the payoff quote to the title company, Ocwen Loan Servicing included a full month of interest for XX/XX/XXXX when the loan was paid in full on XXXX XXXX. I waited patiently for over a month for a refund of both my extra month Mortgage Insurance premium, the escrow account funds, and the extra month of interest that was paid @ closing. I also had not received a notice that the mortgage was paid in full, but Ocwen received the funds on XXXX XXXX per my Title company. On XX/XX/XXXX I called to inquire and was told that it would go for research and it would take 2 weeks. A few days later I received a notice giving a breakdown of the escrow account and was told the Mortgage Ins. premium had to be paid for a full month because it was an " agency loan '' and it 's not prorated and a check for the net escrow account was included. I waited the full 2 weeks before calling again on XXXX XXXX about the extra mortgage interest that they collected @ closing for 28 days more than was needed. Again, I was told it was an agency loan and that 's just how it was. I asked for the call to be escalated to management and it was and I was told by the escalation dept. that they would research and contact me in about 2 weeks. I waited 3 weeks and heard nothing so I called again today, XXXX XXXX and was told that there was no refund coming. I informed them of the HUD notice XXXX released XX/XX/XXXX by HUD stating that FHA announced that borrowers who prepay their FHA-insured mortgages will NOT have to make interest payments beyond the date their mortgage is paid in full. FHA 's rule applies for FHA -insured mortgages closed on or after XX/XX/XXXX. This rule explicitly prohibits lenders from charging borrower post settlement interest, which is broadly defined as a " prepayment penalty '' by the Consumer Financial Protection Bureau., for all FHA Single Family mortgage products and programs. I gave the Ocwen the HUD notice number and read the above notice and told them as Lenders they are required to keep abreast of changes that affect their industry. I 'm sure thousands of FHA mortgages paid this year with Ocwen have had the extra interest collected against this policy. I was asked to write a complaint letter and attach the supporting evidence. I told Ocwen that they should have a supervisor check into the new HUD guideline and refund my overpayment of interest in the amount of {$400.00} + interest to me as soon as possible, and that a complaint with the CFPB would be made. This is a rip off of mass proportion as it 's been going on for 5 months so far on the thousands of FHA mortgages they 've done payoffs for this year and continue to incorrectly quote payoff figures.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28
Company: WELLS FARGO & COMPANY
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Wells Fargo continuously calls my mother 's work number every day and leaving messages harassing her for payment.

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 2022-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
The XXXX credit bureaus are reporting incorrect information on my credit report, TransUnion, XXXX, and XXXX. These errors are a direct violation of the Fair Credit Reporting Act. Multiple times these credit bureaus have listed incorrect information on my credit report. This incorrect information is being reported by not one but all three of the credit bureaus. It is causing an extreme amount of stress. No matter what I do these credit agencies are not assisting me and are not replying to any letters that I send them. This is an issue because the FCRA states that they must complete an investigation in 30 days, yet this has not be adhered to. If I do not receive any information from them is this not a violation of the Fair Credit Reporting Act? It indeed is. If you take a look at my attached photos you will see all the inaccurate reporting 's with these accounts. Such as date of last activity, date opened, reporting Charge-off 's only on a payment history. How can a CO be reported as payment history? This is terrible, this wrong. The FCRA states that each credit bureau is to report identical information, however, they're all reporting incorrect information. This is not ok, and is against the law.

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