BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
On XX/XX/XXXX I was notified by one of my credit card companies that an address change was made on my account. Since I did not make that change we immediately closed that account and began the process of opening a new one. Then I checked my credit information and discovered two fraudulent addresses. I initiated a fraud alert, and placed a credit freeze on all three credit agencies. The credit report indicated that someone had contacted Capitol One applying for anew credit card. This was not me. I called Capitol One, but their automated phone system does not have an option to speak to someone directly about potential fraud. I sent a registered letter explaining the problem on XXXX XXXX, but to date ( today is XX/XX/XXXX ), I have not received a reply or assurance that the credit card in question will not be issued. 

Frustrating for someone who is the victim of identity theft when the credit card agencies are unresponsive and do not allow access to someone within their company to monitor and lodge complaints about fraudulent activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
my auto loan was paid in full with XXXX XXXX XXXX at the end of XX/XX/2019 and all 3 credit bureaus are showing it as open and a balance owed still. Why at the end of XX/XX/XXXX is it not showing on the 3 credit bureaus a " XXXX '' balance. This has affected my credit score as well as trying to obtain further credit. I have contacted transunion and XXXX to fix, and i was told that this matter would be handled within 72 hours and it is 5 days later and despite the holiday, this should have been taken care of.

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 2015-04-20
Company: SLM CORPORATION
State: CA
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:
My daughter and I requested the information from the XXXX private lenders to pay college tuition. XXXX Loans gave as the best rates and we decided to proceed with XXXX. We never agreed to get any money form the XXXX.How big was our surprise after I received a negative statement form the University. XXXX student loan sent money to the college without my or my daughter approval and started to collect their fees!!! We demanded to return full amount back to XXXX but now XXXX sold almost {$100.00} " debt '' to the collection agency. Please advise.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX  ; Experian and XXXX  should not be reporting a collection/chargeoff in the amount of {$510.00} on the XXXX XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) This account was incorrectly billed as out-of-network even though I went to a participating provider/facility with XXXX. I have full coverage insurance. XXXX wanted the doctor to bill them directly and in doing so the in-network insurance will be covered. The payments have been re-processed and were sent directly to the collection agency. This false reporting of a collection/chargeoff is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX  ; XXXX  and Transunion should not be reporting a collection/chargeoff in the amount of {$510.00} on the XXXX XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) This account was incorrectly billed as out-of-network even though I went to a participating provider/facility with XXXX. I have full coverage insurance. XXXX wanted the doctor to bill them directly and in doing so the in-network insurance will be covered. The payments have been re-processed and were sent directly to the collection agency. This false reporting of a collection/chargeoff is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2016-01-15
Company: Consumer Portfolio Services, Inc.
State: NC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I am receiving 2-3 call a day from various numbers but they will only leave one message. I am receiving calls as early as XXXX estate on Saturdays and Sundays. They call a friend and my son repeatedly throughout the day and gave them information about my payment being late and the amount due. I spoke with the customer rep and requested that they not call my job and they continued. I saw the number on caller ID and answered and requested for the number to be removed. I am no longer with the company and I was informed by a former colleagues they are still calling. I know I am delinquent but it appears that the interest has immensely increased.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21
Company: Merchants' Credit Guide Company
State: IL
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I was injured at work I have a XXXX Representative my case number is XXXX My case worker is XXXX XXXX the claims department number XXXX. I contacted this collection agency to let them know that I provided all my insurance at the time of services they refuse to take it I 'm insured by XXXX XXXX XXXX XXXX. I 'm constantly getting these harassing letters and no proof of the debt. I contacted them and they sent me a letter stating that if I do n't get the proof in 30 days from XX/XX/2016 Everything will cease and be removed it 's XX/XX/2016 no correspondence yet and this still remains on my credit bureaus XXXX of my credit bureaus

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21
Company: American Capital Enterprises, Inc.
State: CA
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:
This DEBT was paid to XXXX XXXX and the collections agency is falsely reporting that the debt is late or outstanding.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
Company: ENCORE CAPITAL GROUP INC.
State: NY
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 recently created a credit monitoring account in hopes to be informed about my financial standing because I am ready to start the process of purchasing a new home however, while checking my credit monitoring sights. I noticed a few errors on my credit report that I believe to be inaccurate and fraudulent. I would like for these accounts in this complaint to be removed as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Back in XXXX of 2020 when the pandemic had me out of work for almost a year and half, I missed one payment with Nordstrom credit card services, and it was reported during that time. I need help getting that missed payment removed from my credit report. This pandemic has beaten me down financially I have no savings at this point Im trying my best to correct my financial status and my credit is vital in that aspect. I would really appreciate some help with this issue. My payments have always been on time besides this one unfortunate issue. Ive still remained a loyal customer to this retailer despite all that has occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: CBC Companies, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The reason for my complaint is because innovis is reporting an account that's MISSING PAYMENT HISTORY the account is XXXX XXXX XXXX XXXX # XXXX. According to FCRA if an account is reporting INCOMPLETE, INACCURATE or unverified information it must be deleted. Attach to this I am providing you with a copy of my credit report page where it shows the violation also I am providing you with copy of my ID and SS card to prove my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04
Company: BB&T CORPORATION
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
BBT sent you a false statement regarding my complaint on behalf of my parents. BBT has on file a certified copy of POA in which I have the ability and legal option to take care of and handle this matter. Therefore, my complaint still stands.I made a XXXX part payment to BBT totalling the loan amount. Instead they did something different. When I contacted them in person, BBT was to have reversed the payment, I have forwarded you copy of their statement of intent to correct, reverse the misapplied funds made to them in which it was to have been be applied to loan. Instead they applied it in error to something entirely different. When I contact the bank they assured me they would reverse the transaction. Yet they did not. They also have this loan listed as commercial loan which does bring about a higher rate of interest. Which is also an error. There was no late fee due, since the mod was newly executed and all payments were made according to the agreement. I made with them.. In order to make the agreement for my parents, I did have to have A POA which clearly shows they lied to you about not having the ability to respond to you. I believe they are predatory lenders and wish to have this matter reopened and a true investigation be started, XXXX in which what they say is investigated and I opportunity to respond.. I am XXXX XXXX, my parents are XXXX and XXXX XXXX and I have certified POA.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$5000.00} ; XXXX XXXX Balance : {$5400.00} ; XXXX  XXXX  XXXX Balance : {$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 non-monetary relief
Consumer complaint received 2022-08-17
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Dear Sir or Madam, There was a fraudulent XXXX Transaction from my checking account ( Chase ). 
XX/XX/2022 XXXX payment to XXXX XXXX XXXX XXXX debit - {$2000.00} XX/XX/2022 Completed XXXX XXXX Real-time Open information dialog : In network : Real-time transaction Hide details, hides content below {$2000.00} Checkmark : We sent money from TOTAL CHECKING ( ... XXXX ). 

Mobile XXXX Transaction XXXXXXXX I contacted Chase and they are insisting that I authorized it. I never authorized it. Called Chase as soon as I saw it on my account ( within a few hours ). 
Chase has no intention to investigate the case and make sure it never happens again and they are not willing to refund XXXX back to my account. I offered to provide with the printout from my phone carrier which will be a proof that I never authorized the transaction. They denied. I have not received any papers from them stating the investigation took place. They refuse to talk to me, reopen the claim or transfer me to a legal department. When you XXXX the phone number from the transaction it clearly says it belongs to robocall, which in my opinion is good enough reason to accept it was fraudulent transaction. I do not have this recipient when I log into Chase either.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: WELLS FARGO & COMPANY
State: TX
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:
Wells Fargo charged and wrote off my credit card in XXXX of XXXX. The account is currently closed and charged off on my credit report. Today, XXXX Wells Fargo reported a late payment to the closed account. This is a violation of the FCRA as it pertains to accurate and factual information. This account has already been charged off therefore Wells Fargo should not be reporting a payment history on a closed account that is no longer accepting monthly payments. By reporting a late payment to my public consumer credit file, Wells Fargo has violated the FCRA. 

XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, TX 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 explanation
Consumer complaint received 2020-06-18
Company: Waypoint Resource Group, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was attempting to refinance my home, when the loan officer reviewed my credit file and I was advised of a COLLECTION entry on my credit report from a WAYPOINT RESOURCE GROUP ( XXXX ) for {$840.00}. The issue is.. I have not done any business with XXXX. It is not even a cable/internet service provider in my state or geographical location. 

I attempted to gather more information from WAYPOINT and XXXX on this matter, but felt very uncomfortable and frustrated with the ONE-SIDED telephone conversation with their representatives on a recorded telephone line. They began requesting personal information such as my Social Security #, Address, telephone etc. But they were unwilling to provide me any information such as the Street Address, City or State this presumed service/account was associated with. Nor would they state or confirm the Original Application Date of Service, its duration or information pertaining to any previous attempts to collect. They were able to acknowledge and confirm that there were MULTIPLE entries for name : XXXX XXXX. I ended the call after they were unwilling to provided any useful information on this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Equifax is reporting a fraudulent account on my credit report and as refused to remove. XXXX Bank is reporting XXXX same account two times which is against FCRA as you know, obviously XXXX Bank does not know that. I have submitted accountable documents to Equifax to support that this XXXX same fraudulent account from XXXX Bank twice, account number XXXX and XXXX Bank XXXX XXXX account number XXXX. This XXXX Bank account is not my account. I have never signed or had any affiliation with this account. I am now submitting a notarized letter from XXXX XXXX which she is the party responsible for the account and I am asking for the immediate removal of them from my Equifax report again. Again, I am asking for the immediate deletion of this fraudulent account which is reporting two times. I have submitted uncountable documents to support that this account does not belong to me and I should not have to result to legal representation for removal of the fraudulent accounts. I am attaching a notarized document from XXXX XXXX acknowledging that this debt belongs to her not XXXX XXXX. I have already faxed Equifax on numerous occasions a copy of my birth certificate and social security and recently faxed again on XXXX/XXXX/2016 and XXXX/XXXX/16, proof of residence along with other supporting documents to fax number XXXX and I resent again to XXXX XXXX at Equifax at fax number XXXX so it is no reason for Equifax to respond saying that they require this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-31
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
The credit bureau will not perform a proper investigation nor will they delete inaccurate personal information from my credit reports after all documentation has been sent to them. The courts verified with me via the phone that the liens and the judgments are not verified with the credit bureaus. According to the Fair Credit Reporting Act Section 611 part B subsection iii, they are supposed to verify with the source of the information which they are providing me but apparently that is not what is going on. 

I asked for the following : 1. Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting? 
2 Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported? 
3. What certified documents were reviewed to conclude your investigation? 
4. Please provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation. 
5. What did it cost your company to obtain the documents needed to complete your investigation? 
6. Please provide proof of your timely procurement of certified documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
These inquiries below should be deleted asap. I have attached email proof I did n't request company submit my deal to all these banks. 

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 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX All Banks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I contacted bank America asking due to corn virus if could more time to pay and the department told I would allow to skip payment. it seem to me there was no communication between department and they reduces my to {$500.00} credit limit. upset greatly so told them close account. I had done business for over fifteen year

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 2022-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXX XXXX charged and wrote off my credit card in XXXX of XXXX. The account is currently closed and charged off on my credit report. Today, XXXX XXXX XXXX reported a late payment to the closed account. This is a violation of the FCRA as it pertains to accurate and factual information. This account has already been charged off therefore XXXX XXXX should not be reporting a payment history on a closed account that is no longer accepting monthly payments. By reporting a late payment to my public consumer credit file, XXXX XXXX has violated the FCRA. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX 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