BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 started 72 month auto loan with XXXX XXXX XXXX in XXXX of XXXX. I made 100 % on time and in full payments ( confirmed by all three credit reporting agencies and XXXX themselves on over 10 occasions ). 

I had made the last payment on my auto loan onXX/XX/XXXX in the amount of {$310.00}, which generated a refund of {$1.00} as well as the issuance of my Title and pay off notice ( which were printed on XX/XX/XXXX and mailed to me XXXX. 

There was another payment made onXX/XX/XXXX in the amount of {$310.00} ( my account was set up direct withdrawls ), which was also refunded to me due to over payment in late XXXX. 

There was another payment made on XX/XX/XXXX ( again, automatically taken from my account ) in the amount of {$20.00}, which was also refunded to me due to overpayment. 

On XX/XX/XXXX, XXXX advised all credit reporting agencies that though my account was fully paid, and title issued, I was placed in delinquent status with {$0.00} due. After over 20 calls to XXXX, no one can tell me why I was listed as delinquent as my balance was paid off, title issued and they advised I was NEVER late on a payment. This has caused my credit score to drop over 60 points. 

On XX/XX/XXXX, I sent Transunion, XXXX XXXX AND XXXX all the materials I have ( payment history, title, pay off letter, etc .... ) to dispute this delinquate status. 

On XX/XX/XXXX, all three agencies corrected my credit report to show that my account was closed/paid on time/never late as it should be. 

On XX/XX/XXXX, XXXX, once again, reported my account to all three credit reporting agencies as delinquent with a zero balance on this closed account. As a result, my credit dropped another XXXX points. 

I have made, again, in excess of over 5 calls to Transunion and XXXX trying to get my report corrected and to get XXXX to correct whatever system issue keeps incorrectly reporting my account as delenquate to the reporting agencies. They advised me that the only way to do this is to dispute it again. They can not tell me if this will ever rectify the issue or if I need to dispute the same issue every single month because XXXX wont correct their system. 

I am trying to purchase a home and this XXXX point drop in my credit is preventing this from happening. XXXX is not helping me with this matter in ANY way other than telling me to keep disputing 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 explanation
Consumer complaint received 2016-10-12
Company: Diversified Consultants, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
DIVERSIFIED ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Phone XXXX. 
ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you DIVERSIFIED or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : DIVERSIFIED or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Credit card
Issue: Late fee

Complaint:
My Capital One credit card payment is due on the XXXX of the month. While scheduling the payment, on the evening of the XX/XX/XXXX I discovered that I had been charged a {$25.00} fee because I did not make my payment before XXXX. I receive paper statements in the mail and make my payments electronically. Nowhere on the bill did I see that I would be charged {$25.00} on the XXXX if I did n't pay by XXXX. I have never been charged a late fee by a company when I 've set down and made the payment on the date due and it is wrong for them to set some arbitrary time during the day of the due date to pay the bill. This is just a scam to create fees on accounts that are in the interest free period. From now on I 'll be sure to schedule the payments on the XXXX to avoid this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
I have XXXX credits with Capital One and each XXXX of them charges me {$55.00} dollars a year for use or services, I have asked Capital One almost since they were issued to me to please consolidate them to save money on these annual charges. I have had these cards nearly ten years. Capital One has always refused that request. Today it is so more important because I am unemployed and on social security and XXXX XXXX years old.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Issue: Payoff process

Complaint:
I have a legal item showing on my credit report for {$3800.00}. This was from Capital One. I was not allowed to make minimal payments during a financial hard ship I was in due to particular medical issues and money. I was trying to work to keep this item paid the best I could at the time. They wanted me to put a huge " down payment '' in order to lock in and secure a settlement amount. I was not able to do that. I had no one to borrow money from and cause if this account on my credit I could n't do a balance transfer like they suggested. This item was place in my credit as a lien item ( ref # XXXX ). I have tried to work with them to get this matter resolved and was asking the best attempt to pay this with payments of {$50.00} which they told me I HAD to set up with auto payments. They did not allow. Me to make payments on this as a settlement amount, which I feel is unfair and a lie. I have heard other people are able to do so and have done so. They told me the lowest settlement amount was like 60 % of the total debt. I feel that was an unfair statement and a lie. The debt was places with a so called attorney office but they were very rude and harassed me about this bill continuously with threatening tactics. I made a complaint to capital one and it was supposed to be sent back to original creditor, capital one, they told me I would receive a settlement offer in the mail, but never have. I am tired of the stress and hassle to try to pay this dept. I have had many unexpected medical bills come up. I think it is wrong when companies take advantage of consumer because we do n't know the proper wording to use to get them to be honest with us. It is unfair that one can pay 30 % of a debt that is owed and make payments toward that but they refuse to allow me to and say that 's not possible. That is unfair and deceptive and against the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20
Company: SLM CORPORATION
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I graduated from XXXX XXXX University in XXXX 2016. I was told that I would start paying my loan six months after graduation. However, Sallie Mae made a mistake with my account and now it appears that I have a late payment with fees. I was not aware of this and when I tried to speak with a representative, they blamed the University. This is not an isolated incident. They also made a mistake with my sister 's account, last week. My issue is that they should have a record of my loan disbursement which would show my enrollment in school for the XX/XX/XXXX 2016. I feel as though they purposely make mistakes in order to charge extra fees. This is not right and I should n't have to pay for their mistakes. This affects my credit score. How do I proceed from here?

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I was recently sued by XXXX XXXX for a fraudulent debt that was sold from Capital One XXXX. After being contacted by XXXX XXXX about the debt I disputed the debt, and asked for proof. My letters went ignored, but XXXX XXXX managed to get a default judgement from this debt even after I answered the summon and complaint. I Contacted Capital One / XXXX which is who sold this debt to XXXX XXXX XXXX and was told this debt had changed hands at least three times. Capital One stated they acquired the debt from XXXX XXXX XXXX and that it was closed when it came over to them which was opened XXXX/XXXX/XXXX with a credit limit of {$5900.00} and that they sold this closed debt to XXXX Bank on XXXX/XXXX/XXXX. I was also told that a payment of {$5700.00} was applied to this debt on XXXX/XXXX/XXXX. According to my credit report XXXX XXXX XXXX XXXX reported this debt to be opened on XXXX/XXXX/XXXX with a credit limit of {$5900.00}, but shows that {$8100.00} was charged off. XXXX XXXX XXXX XXXX 's shows on my credit report the last date of payment to be XX/XX/XXXX, and the date of the first delinquency to be XXXX XXXX. 
I find it odd that Capital One / XXXX 's sold this closed debt on XXXX/XXXX/XXXX and XXXX Bank reports it as being open with them on XXXX/XXXX/XXXX but yet Capital One / Parisian 's shows a payment made to the debt in the amount of {$5700.00}. I provided XXXX XXXX XXXX XXXX 's a fraud affidavit along with a police report because this account is fraudulent. XXXX XXXX 's stated that they investigated and found that the account did belong to me and that I owed the debt, and had a representative to swear under oath that I owed the amount of {$8100.00}. 
XXXX XXXX XXXX XXXX 's acquired this closed debt from Capital One / XXXX which they acquired the debt from XXXX. XXXX does not have any record of my information and has instructed me to contact the correspondence department to get this in writing. 
XXXX XXXX has made false statements that they investigated when in fact they had no validation of this debt because it was transferred. XXXX XXXX XXXX hired an unethical debt collector XXXX XXXX XXXX XXXX XXXX , and has taken money from me by force on a debt they could not validate. I am going to make this known to the state attorney general 's office because this has got to be rectified.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
My issue is with Capital One Auto Finance. My car was repossessed back in XX/XX/XXXX. After auctioning off the vehicle the account was then closed in XX/XX/XXXX. Since then Capital One Auto Finance keeps reporting this account as open ( with TransUnion ). Causing my credit score to drop. I have tried contacting Capital One and TranSUnion regarding this inaccuracy with no avail. Can you help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
In XX/XX/XXXX I discovered a judgement on my Experian credit report listed with with the line item reference # XXXX. I never received any mail or communications about the underlying matter. Upon further inquiry I found that the California Franchise Tax Board ( CA FTB ) was the Data Furnisher regarding this item. 
Upon speaking with a CA FTB representative I was told that their records were missing my XXXX tax filing records. My Federal and State returns were both filed however I supplied CA FTB with the information that was claimed to be missing from their records. 
I was told that the processing timeline was a minimum of 6 months. After months of waiting the resubmitted filing was processed and the findings of the data furnisher were disclosed to me. The California Franchise Tax Board found that I did not owe any taxes and as such did not have any tax liability. On the contrary the CA FTB actually owed me and sent payment of {$510.00} to me reflecting the same. 

The {$2800.00} tax lien that was put on my credit report was found to be incorrect upon the conclusion of this matter. I am attaching a copy of the refund check issued XXXX/XXXX/XXXX by the State of California Treasurer upon conclusion of this matter, as well as a printout of my total tax liability and refund for the XXXX tax year from the CA FTB website, relevant to item # XXXX listed as an erroneous judgement on my credit report. 
Upon processing of the facts the data furnisher concluded that I did not owe and that they actually owed me. This conclusion means that the tax lien put on my account ( which was an assupmtion that was proven wrong ) should not be shown as released on my credit report as that implies that I previously owed the CA FTB and later satisfied payment. On the contrary, the tax lien should be deleted from my credit report as the CA FTB concluded that I did not have any tax liability for XXXX so the lien was null and void and the data furnisher turned out to actually owe me. 
The erroneous information listed on my Experian credit report states that I previously owed {$2800.00} in taxes which is not true because the taxes owed was discovered to be {$0.00}. This unfair reporting must be deleted and permanently removed from my credit profile. 
For some reason Experian has refused to update this item and I have had received unwarranted scrutiny from underwriters because of their ability to see a judgement that I did not owe. Please help as I continue to be denied favorable credit decisions personally and for business due to this violation of the FCRA.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11
Company: SLM CORPORATION
State: NY
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am a co signer on my sister Sallie Mae Loans, we are in the process of re-financing, and she is a few days behind on her most recent bill. Sallie Mae calls me almost every hour, on the weekends and its getting crazy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08
Company: STERLING JEWELERS, INC.
State: FL
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
Jared the Galleria of Jewelry keeps calling and emailing me at my job after repeatedly being told to stop doing so as this can result in me losing my job. They are also calling my sister at her job and keep calling various family members of mine. My account was up to date and being paid and they closed it for no reason and are now harassing me even though I am on time with payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MT
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Repetitious phone calls that are intended to annoy, abuse, or harass you or any person answering the phone They call at all hours, including early morning and late at night. This debt is over XXXX years old and no longer reported to consumer credit. I also received a notice from the debt collection company saying they would continue to try to collect the debt even though they could not sue me. The original debt was {$500.00}. With all of the fees it is now up to {$1600.00}. I am currently on unemployment, live in a rural area and am unable to pay this debt. The debt was incurred when my husband was passing of XXXX XXXX and it was used to help with expenses. In 2008 I lost my teaching position due to cut backs and have had a difficult time financially since.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Deposits and withdrawals

Complaint:
My grandfather XXXX XXXX opened a Certificate of Deposit at XXXX in my name XXXX XXXX on XXXX XXXX, XXXX. XXXX XXXX merged with Capitol One Bank on XXXX XXXX, XXXX. My grandfather recently passed on XXXX XXXX, XXXX and I found the certificate. On XXXX XXXX, XXXX I went into a branch in XXXX, MD to inquire about the status of the accoount. The agent advised the account had been purged due to inactivity. He was unable to locate any documents to determine if the funds were withdrawn, transferred or sitting, but stated the account was being researched. On XXXX XXXX, XXXX, I contacted the branch to obtain any updates. Again, I was informed no further information had been located. I am writing to submit a complaint due to the time frame that has passed and no answers have been provided as to where the funds are located. I have contacted the FDIC, MD Unclaimed Property and have had no success in locating he funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04
Company: eMoneyUSA Holdings, LLC
State: WI
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I took out the loan, but later added it to my XXXX consolidation, and they refuse to quit contacting me. The XXXX company has contacted them numerous times as well, with my power of attorney papers and they still contact me several times a day from many different numbers. EMONEY USa ... never use them

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
This correspondence is in reference to XXXX. I rec 'd a letter from Capital ONe dated XXXX XXXX, 2015. THey still did not address any issue ofmy concern. THe letter states that she found no notes that my daughter conducted a XXXX-way call with her bank. I do n't believe her because they suppose to record phone contacts upon speaking with the consumer because it tells you that the call may be recorded. THat 's not true what she sent to me. I listen to the call because payment was made fvrom my daughter 's account and I could not take care of the issue because it was my daughter 's account. My daugher as told by her bank was never contacted to get payment. THe initial XXXX/XXXX/15 payment was noticied by me and I kept calling Capital One to see why payment had n't posted. We again calledc on XXXX of XXXX and payment still did n't post, meanwhile we are srtill in contact with Capital One about paysment. Finally we were told to get bank on a XXXX-way call because we knew money was in bank. They said the account was closxed, which is n't the truth. tHe payment wasd finally processed after she got her bank on phone about XXXX weeks after the original payment was called in. They are not pulling their records if so they would see that a XXXX dollar payment was finalized about XXXX/XXXX/15. Also I spoke with a person on Wed. XXXX/XXXX/15. She confirmed payment but becvause of so many notes on account she would have someon correct the misleading information and someone would give me a call in a couple of days. I have yet to receive a telephone call from anyone concerning this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08
Company: STERLING JEWELERS, INC.
State: NJ
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I have had a Kay Jewelers Credit Card for about 6 years now and had never missed a payment. XX/XX/2016, I was late for the first time ever by about a week on a payment because i had just had my daughter and was on maternity leave and had totally forgot to make the payment. Kay Jewelers contacted me and I made the payment over the phone with them and apologized for forgetting to make the payment. They told me no worries and everything was fine. I visited a Kay Jewelers in XX/XX/XXXX to attempt to purchase my daughter an earring because she had lost one. When the store manager attempted to charge it to my credit account, he received a phone call from their corporate office stating that my account had been closed because " my credit score was not what it was when I first opened the account. '' That is extremely unprofessional and I am appalled that I was not notified prior to that visit that my account had been closed. It 's very sad that I found out my account had been closed WHILE AT THE LOCATION in front of all of the employees and customers. Terrible customer service. Terrible company. I have since stopped paying my bill since my account has been closed and because I am extremely unhappy with the company as a whole.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19
Company: The Phoenix Recovery Group
State: TX
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:
The other issue is that they did not provide enough information to verify the debt. ( Signed Lease Agreement ). It has been more than 30 days since I requested the information. ( XXXX/XXXX/16 ) Debt collection agency ( Pheonix Group ) is attempting to collect on alleged debt.

Company response to consumer: Closed with non-monetary relief