BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I recently contacted Capital One couple of months ago for a replacement card, thinking i'd lost my wallet. More recent conversations took place XXXX XXXX and XXXX.Which is when I learned about my account had been closed ( permanently ) except to make payments. After a few phone calls made to them going back and forth ( even writing them a letter regards to there must be a mistake ), but to no avail. I prompted an initiated an investigation. And it wasn't until then that they said they'd look into into.Said they would contact me back in ten days. So I marked my calendar including and excluding the weekends to assure my prompt attention. But no call came.So I contacted them back.And they implied they had called. Since they could not provide me with any more information other than claims of what was owed.I asked them could they provide me a copy of the transaction or transactions they were looking at because I didn't have a clue? He stated he could not.Because that was his information, however I could send them my information to prove myself.I told him I'd been with XXXX XXXX XXXX since 2003 and in good standing.Therefore I wouldn't do nothing like this.My only fault is not reading my statements.Because I just felt i just needed to pay my bills.He then put me on hold to see if he had the authority to provide me more information, then came back and asked me how many banks I did business with? I informed him only XXXX XXXX XXXX and my Capital One card.He gave me a name of a supposedly bank called XXXX or XXXX. There was a charge for over {$500.00} made to my credit card in this past XXXX, Capital One explained to me.And I'd just started working XXXX the XXXX.? Which I looked it up and then called them immediately.The number Capital one provided me was XXXX.The recording stated there were 989 people ahead of me! Thinking this was a glitch, again I called the next day and the same thing. Now I'm not sure what's going on. But I don't know anything about these charges and want them removed. Also I'm having problems getting other credit cards because of this.I don't do stuff like this, I just went to XXXX  school to attempt to make a better life for myself two years ago.And I don't fault Capital One for being in a position to have to do this, but I didn't do this.However i want this fixed.Investigate and give another chance because of my paying history, and I'm trying to get justice. I'm not a computer savvy person, I wouldn't know how to do nothing like this. ( not that I'd want to )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21
Company: Gurstel Law Firm, P.C.
State: MN
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I have been divorced for over 15 years, and a judgement was obtained in my married name ( I changed my name to my maiden name when I divorced ) and communication was going to an address that I no longer lived at. Needless to say I did not contest the debt prior to the judgement due to not being aware. 
The debt was from prior to XXXX, and on XXXX/XXXX/XXXX a third party collection firm filed a judgement against me. They obtained an order to garnish in XXXX of XXXX. 
The garnishment over collected in the amount of XXXX, and I was issued a partial reimbursement in the amount of XXXX. The third party collector remitted the reimbursement to my former name, which I have not used in 15 years, and additionally I have not been issued a reimbursement for the remaining XXXX to date. Even depostiing the check will present as an issue as I do not have any accounts or ID in that past name. It was changed by court order, which I told the third party collection agency and law firm over and over. 
When I attempted to obtain a verification of debt, the only thing provided to me was the judgement, not anything from the original creditor. I attempted to confirm that this was in fact my debt, and all I ever received was a copy of the judgement.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06
Company: Creekside Recovery And Capital Management
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
XXXX XXXX from Creekside Recovery Capital Management was trying to collect a debt for XXXX I was told I was being sued for XXXX when we tried to work out a payment arrangement and my mom would n't give out a credit card number, he started yelling and saying everything thing I say is XXXX, then he proceeds to say again I was being sued and that 20 % will be taken from my paycheck. My mom asked for a physical bill in the mail and would send money orders and XXXX XXXX started yelling profanities at my mom. My mom asked to speak to his supervisor and he refused and then said you have an hour and a half to get me a payment of XXXX dollars for the XXXX payment or I will tell my supervisor to give to the judge and do n't call back I will call you for the payment. This all occurred on XXXX/XXXX/2015

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19
Company: TIDEWATER FINANCE COMPANY, INC.
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I enrolled into ACH with Tidewater Finance back in XXXX. Due to a missing debit card in XXXX, I had to cancel my card and made a priority to notify all my creditors with autopay of the change. Per Tidewater 's request, I had to now provide a routing/checking # instead of a debit card. Which I did about 2 weeks before my ACH date on XXXX of 2015. Unfortunately, their system has continued to fail to withdraw my account for months now and my payments have been late. I 've accumulated late charges and interest none the less with a high APR due to their consistent issue. Not to mention, through the loan I 've received collection calls and emails when I 've had Automatic Draft set up with their system. I 've had to take time off from work to address their continuous issues and loose money in the process as the Per Diem assesses.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06
Company: CICA Collection Agency, Inc.
State: PR
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
The complaint is against one of the Telephone/Internet companies in PR ( XXXX ). 
The service was cancelled on the XX/XX/XXXX due to bad service ( various reports of interruption in the service, delays in follow up and time the repair job was coordinated and completed and the charge for a service was not given ). 
Even though all those issues, I had to wait until the end of the contract to cancel the service. Due to the fact that I signed for a service that I never received. That is, I extended the contract agreement to have an upgrade in the internet velocity to find out the service was not available to the area of residence. So, I had to wait on a contract to expire when the service was not provided. 
The service was cancelled on the above mentioned date and I remember asking the Account Representative to give me the ending balance as of that day. I asked her if she could do that and agreed upon the final payment. The payment was done and the Service Cancellation - Client Receipt was issued. 
To my surprise I received a letter stating that I had a debt for {$23.00} from the internal collection agency of XXXX ( CICA Collection Agency , Inc. ) dated XX/XX/XXXX. Called XXXX and was told that the debt came after a final audit. What audit do they need when you can see all the records online? Besides, that was something worked at the time of cancellation, not otherwise. 
Where do I raise the flag and think about this being a fraudulent tactic and something to bring to the attention of the authorities and for an audit not only of my account but other accounts? 
When in a conversation with other office workers at lunch they told me they had a similar issue once they cancelled the account and something like {$23.00} was the amount owed after a final audit. Since it was a small amount the paid it and forgot about it. 
Once again, I am convinced the charge is not a valid one, more so, is a fraudulent one requiring an investigation.

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: SUNTRUST BANKS, INC.
State: DC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I have a loan pending with Suntrust Mortgage for a refinance. Since XXXX, XXXX inquiries have been made by Suntrust Mortgage and XXXX Mortgage Services on behalf of Suntrust. 
I never authorize excessive credit checks by Suntrust and XXXX Mortgage Services on behalf of Suntrust. 
This is action by the lender and the credit reporting service is unethical and illegal. Please have them remove the excessive inquiries from my credit files XXXX. Thank you.

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 2021-01-05
Company: EQUIFAX, INC.
State: NJ
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:
Equifax is refusing to block information on my credit report I disputed, I was a victim of identity theft and provided my identity theft report via the financial trade commission and a police report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: I.C. System, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Im having a problem with I.C. System INC they are a debt collector for XXXX  communications. They are saying I owe XXXX the Information was updated XXXX. Theyve put 3 derogatory remarks on my XXXX  credit report for the same account. Ive had this same issue with a different collection agency for XXXX  for the same XXXX owed to them but this was on my XXXX  report. I spoke with XXXX  and disputed on my XXXX  and the account was removed from my XXXX. Now 5-6 months later its a different debt collector and a different credit report. And everyone knows you cant call and speak with anyone at XXXX. I called i.c. System inc and told them I have a letter from XXXX  and the account does not belong to me the account belongs to a guy named XXXX my name is XXXX these are 2 different names! The address that this account is linked to Ive never lived at! I also currently have a open XXXX  account in good standing, and Ive had this account open for years. They do not care! They told me to contact XXXX  about this account. And hung up on 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
Consumer complaint received 2016-12-05
Company: AES/PHEAA
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
My student loan complaint is directed at FedLoan Serving 's incompetent and corrupt practices of repeatedly delaying/ignoring requests for loan forbearance processing, which has resulted in wage garnishment of my next paycheck. 

My complaint is that FedLoan does not have the right to such a collection, neither directly nor via a collection agency, since the forbearance should be granted and the improper collection action is due FedLoan 's negligence, incompetence and grossly irresponsible and corrupt practices. 

I assert that I am entitled to the forbearance I have requested based on the following : 1. I qualify for loan forbearance, as I did the previous 2 years at the same wage. 
2. I have been granted forbearance by XXXX for the loans which they are servicing, based on my current income. 
3. I have complied with timely submittal of my forbearance request and have sent repeated subsequent requests with supporting documentation and correspondence. 

I acknowledge that I borrowed money that I am obligated to repay. 
I have made regular payments on previous student loans when I had adequate income to do so. However, I am currently working at the wage I made 20 years ago, a net income of $ XXXX, and do not have means to pay student loans at this time. 

FedLoan has repeatedly taken 6 months or longer to process my forbearance requests, but in 2016 they have taken longer than 12 months to acknowledge and process my requests, which has resulted in a wage garnishment order. 

I received my FIRST and FINAL Notice of Garnishment on XX/XX/2016, dated XX/XX/2016. The notice states, " you may exercise the right to contest this actions '' ... but " because you have failed to comply with the terms of the previous notice, your exercise of this right will not result in the delay of wage garnishment ''. 

My current bi-weekly net income = {$750.00} ; the wage garnishment bi-weekly amount = {$130.00}, leaving me a bi-weekly balance of {$610.00} ( $ XXXX ) for bills and living expenses. The result of FedLoan 's incompetence has put me in dire financial circumstance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: EQUIFAX, INC.
State: AZ
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 have submitted multiple disputes to get accounts removed from my report. I am a victim of identity theft since XX/XX/2007. These negative accounts that are not mine are negatively affecting my credit, and not allowing me to get the loans I need for my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12
Company: U.S. BANCORP
State: NV
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
U.S. Bank is telling me that I owe them overdrawn balances when, once again, my accounts were fraudulently used and some were opened without my permission. Furthermore, I 've asked them several times to investigate these claims that were fraud transactions and they keep denying me without giving me a reason why!

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 2016-03-06
Company: Risecredit, LLC
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Consumer is a victim of credit " parking '' instigated by Elevate Credit ( Rise Credit ) and XXXX. Placed a bogus 30-day late on my XXXX credit report. Elevate Credit ( Rise Credit ) has a policy of parking false information on at least one of the consumer 's credit reports -- keeping a false balance or false information on a credit report. This is done to force consumers to pay off the erroneous balance in order to obtain other credit or to protect consumer 's credit score from the artificially lowered score which directly resulted from Elevate Credit 's ( Rise Credit ) intentional and malicious conduct. 
In parking or allowing the parking of an account, Elevate Credit ( Rise Credit ) is well aware that it is violating the obligations and duties under federal and state law to accurately report the account and the balance. 
Elevate Credit ( Rise Credit ) know that parking a balance will lead to false and defamatory information being published every time the consumer 's credit report is accessed. This is exactly the malicious and intentional design behind Elevate Credit 's ( Rise Credit ) actions with the goal to force consumer to pay on an account that is illegal. 
XXXX maliciously, willfully, intentionally, recklessly, and negligently failed to review Elevate Credit 's ( Rise Credit ) information provided in the disputes and to conduct a reasonable investigation on consumer 's disputes, which led to XXXX either failing to delete information found to be inaccurate, failing to replace the inaccurate information with accurate information, and reinserting the information without following the dictates of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: Experian Information Solutions Inc.
State: NJ
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 closed my credit card account with XXXX bank and it is being listed as open on 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 non-monetary relief
Consumer complaint received 2020-09-29
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28
Company: MARINER FINANCE, LLC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Company did not respond to my certified letter they signed for it but did not reply ... I went to the company in person they could not provide me with proof of the debt ... they became rude when I ask them to romove the false debt. I do not have a debt with the company. I spoke to XXXX different managers, no success. Managers XXXX, XXXX and XXXX all said they will get the home office to draw up some paperwork. I have never been to Mariner Finance until yesterday to request proof. At first they said they did n't have anything, then they said the purchaseday the debt from another company but never provided proof and refused to remove from my credit. I have never entered into any type of agreement with Mariner Finance. There are XXXX separate reportingshower on my credit reports from these companies. I sent disputes to all XXXX credit reporting agencies and to Mariner Finance directly, no resolve, please help.

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 2020-09-29
Company: EQUIFAX, INC.
State: NH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Equifax has no record of any credit activity at all, and can not pull up my information, despite years of credit history existing. 

I initially applied for a home loan and was informed by the bank that it appeared I had a credit freeze on Equifax. 

I then called Equifax customer service the first time on XX/XX/2020 to inquire. I was informed that I needed to submit in writing a letter to their fraud department. This letter was to contain a copy of my drivers license and social security card with a brief description of the problem. I complied and submitted the letter as required. 

On XX/XX/2020 I received a rather unhelpful response back by letter which I have attached. Stating mainly that they do not have a credit file for me currently. 

That same day I called their customer service for the second time to inquire how that is possible considering I have numerous creditors that supposedly report to all three major credit agencies. I have years of accurate credit history showing with both XXXX  and XXXX. 

They simply told me the computer is pulling nothing up and suggested I call my creditors and have them resubmit the information. 

I called XXXX XXXX that same day on XX/XX/XXXX and they suggested I submit a complaint and offered to submit one on their behalf. 


Essentially Equifax has no record of any credit history and the issue is not being resolved. It is inhibiting my ability to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
I sent letters to XXXX, XXXX and TransUnion on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 31 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

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 2015-11-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
I have a flexible medical spending account through my employer XXXX. I tried to use it to pay a dental bill and learned that the account had been hacked and {$3200.00} was taken out from someone in XXXX When I contacted Bank of America they said there was nothing they could do. Their explanation to me was that it was over 90 days and because I did n't report it as soon as it happened the time frame for filing a complaint had expired. They stated they tried to contact me.i did not receive anything in the mail, nor did I receive a phone call. I have called twice to try to resolve this with Bank of America and they hung up on me. My name is XXXX XXXX XXXX. I can be reached at XXXX my address is XXXX XXXX XXXX XXXX XXXX XXXX

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