BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Hello, I have had a complaint with Capitol One for 4 months. I submitted the complaint on the CFPB website on XX/XX/2021 ( Complaint ID : XXXX ) on XX/XX/2021 Capitol One responded with a letter detailing the issue and the resolution which was to credit me {$95.00} via check mailed within 15 days of issue. I have since spoken at least 20 times with Customer Service trying to find when the check will be mailed. Every time they stated for me to keep waiting a couple more weeks. I waited XXXX and a half months until I called again and was told they can not send me the check. I have attached the letter and would like to reopen my complaint on Capitol One for not completing what they said they would do on the letter sent to CFPB as a resolution for Complaint XXXX. 

Thank You for your help XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19
Company: EQUIFAX, INC.
State: CA
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 submitted a dispute to the credit bureaus and they did not respond and have violated my consumer right. I am demanding they delete the inaccurate account from my credit report. They have to report with 100 % accuracy which they have not and I'm seeking a deletion on the account and compensation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
XX/XX/XXXX I had made a purchase for insurance to XXXX for insurance I found that XXXX was to expensive so I went with another insurance company, I only had insurance with XXXX for not even one day I ask for my money back I did not get it I was having a problem with XXXX I filed a claim with Wells Fargo to get my money back, this is where everything went bad I got a provisional credit Wells Fargo only credited my account one time but yet took out several times I called about this problem one of there reps in a department put the money on my account when I did n't even know she did this and messed my account up so I called they got a case manager to investigate it and three days later she called me at XXXX at night and gave me a resolution to get this done, now I 'm being charged it again and this is looking like fraud and I 'm giving Wells Fargo a chance I had to file a police report in the past on fraud and identity theft, they opened a checking and savings account in my name I did get to settle on the two accounts being opened but not them making an attempt to open accredit card back in XX/XX/XXXX I want this straightened out all of it, I 'm tired of calling I have been trying to resolve this for a week and I did send a mediation form to get the credit issue handled the first rep did not resolve that issue, this has made me very frustrated, if not straightened out I will seek counsel, I do not want to keep dealing with this I 'm now filing this complaint because I spent four hours on the phone with Wells Fargo it 's like do n't care, they still owe for trying to open a credit card in my name this has gone to far please resolve this

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I originally had a student loan which has been sold several times since I consolidated in XXXX. XXXX XXXX sold my loan to Navient. I have automatic withdrawal of my student loans and have never been late or missed a payment. I was checking on my account which I took out with graduated payments expecting it to be paid off in XXXX. To my surprise my pay off date is now XXXX, another 5 year of payments to my loan which were not authorized. My interest rates remained the same but how did they add 5 years to my loan without my knowledge??? Then my son who also attended XXXX XXXX university for his XXXX degree and took out a consolidation loan for 10 years, noticed his payments were less and found the same issue. He was extended to 20 years without his knowledge or consent. He was annoyed and paid off his student loan within a couple of months not wanting 10 more years of interest at over 7 %. My interest rate is acceptable, but how do they get away with adding 5 years of interest without consent. I had trouble keeping track of the loans. I have another for my daughter which went to XXXX which will be paid off soon. I am XXXX years old, 5 years longer is outrageous!! No response to emails requesting how this happened. Can not tell from current documents when change occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XXXX XXXX I converted my checking account to a low fee checking account ( the previous account required a certain amount to be in the account for the month - {$2500.00} XXXX. This I believed would lower the charges. In XXXX of XXXX i began to received {$30.00} overdraft fees on my account. I initially paid the first fees - then other fees were charged. I called my bank and was informed that the checking account was changed to an account that would allow the bank at their discretion to pay and overdraft my account. I have argued and now I am being assessed fees for my account continuing to be overdrawn.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: Consumer Portfolio Services, Inc.
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
My spouse was awarded a vehicle and the debt obligation in a divorce. I forwarded my divorce decree with judicial signature and my order of protection with signature. For several months I was not contacted and then my parents started receiving the harassing calls stating they were " making multiple attempts to locate me since I was not taking care of my obligations "

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-20
Company: FC HoldCo LLC
State: AZ
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In either XX/XX/XXXX or XX/XX/2015 My now former neighbors XXXX and XXXX XXXX approached me to ask me to co-sign for them on a loan to finance a Jeep Liberty suv. 
XXXX was about to finish school as a veterinary technician student and had some promising prospects for employment after graduation and he gave me his word that he would not fail to make the payments on the vehicle if I went forward with co-signing for him. 
In XX/XX/2015 I had some trouble with my suburban and needed to borrow the Jeep to go to the office and get my paycheck. When I asked to borrow it, XXXX said that there was no insurance on it at the moment and the registration was lapsed because he and XXXX had failed to maintain financial responsibility by keeping proper insurance according to AZ law yet the XXXX continues to drive the vehicle despite not being in compliance with the law thus jeopardizing my drivers license as well should he be stopped for any reason by the police. 
Shortly after they stopped making the payments altogether resulting in the vehicle being repossessed by XXXX XXXX XXXX. 
This affected my credit and has made it nearly impossible to get any credit to buy a new vehicle.

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 2022-06-19
Company: Robinson, Reagan and Young PLLC
State: GA
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:
Hello, I have been a victim of fraud which has affected my credit reports with the following credit bureaus XXXX, XXXX, and XXXX. The agency Robinson , Reagan & Young, PLLC is reporting as a collection account with a balance of {$420.00} past due as of XX/XX/2022. I have sent continuous verifying letters to this company, and they have continued to send " verified information '' that the account is mine without adequate proof that the debt actually belongs to me. I was not the person who opened this account with the original creditor XXXX XXXX XXXX. They have continued to violate my rights as a consumer by continuing to report this information on my credit report. They have not accurately verified that this account belongs to me nor has any of the collection agencies they have placed the account with been able to verify either. I am asking that you all immediately assist with rectifying this matter and getting these inaccurate items removed from my credit report immediately. 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 2022-01-19
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury also defamation of character. I can't get a job nor can I apply for credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: Credit Bureau Services Association
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CBSA has violated my consumer rights. The organization never verified the debt nor did the company provide any agreement that proved that I owe the alleged debt. I have requested a cease and desist order of all communications. Reporting any information to my consumer report is considered communication according to the fdcpa. CBSA shall remove all of my information from their records and all consumer reporting agencies immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury also defamation of character. I can't get a job nor can I apply for credit.

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 2018-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
The inquiry was made by XXXX XXXX XXXX on XX/XX/2018. I do not recognize this inquiry and it should have been removed from my TransUnion consumer report. I contacted the inquirer but they have not remove the inquiry from my consumer file yet. I also contacted TransUnion about it and has not yet remove the inquiry. I contacted them months ago.

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 2022-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 had a credit card through XXXX XXXXXXXX XXXX XXXX through XXXX  XXXX opened XX/XX/2019 which was purchased by XXXX XXXX this year. I had payments set on autopay and was never late. 
When the acquisition occurred it was not communicated to me by mail or email and the autopayments were shut off. 
I received a notice that a payment was past due from this company I never opened an account with an had never done business with. Confused, I called them and they told us they acquired my XXXX XXXX XXXXXXXX XXXX XXXX and they didn't keep my autopay active, I immediately asked if this would affect my credit, they assured me it was not as it was a result of the acquisition and many customers had the same issue. 
I set up autopay and made a payment the following month they didn't process the auto pay and we went through the same process of waiting on hold for 45+ minutes so I just paid the balance in full of more than {$4000.00} on XX/XX/XXXX to avoid dealing with the incompetence. Then, they reported me late and my credit score dropped by 29 points as a result of their false report. 
I have never had a late payment on this account or ANY account in the last TWENTY YEARS of my life. I am BEYOND frustrated with this company, its 45 minute hold time, violations of federal law in both communications, payment and managing acquired customer accounts. 
This business had legal obligations to communicate with its acquired customers regarding automatic payments and it failed to do so. 
This business falsely reported a late payment adversely affecting my account in violation of the FCRA

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 2017-12-26
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The three ( 3 ) major Credit Reporting Companies claimed that the reason ( s ) why my Credit Score was low is " due to the length of times that open accounts have been active and the number of times lenders accessed your Credit report because you applied for Credit or for a Loan ''. This can not be correct or the complete reason for the low Credit Score. I have had open accounts for more than 24 months without ever making a late payment without just cause and regarding the amount of Credit Inquiries once I share my Social Security Number with a company I have no control over the amount of times they request my Credit History information for whatever reason ( s ) or who they share the Social Security Number with. The Credit Score should be based on the number of accounts, the way the accounts are being managed and the feedback that 's offered by the grantors.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: Resurgent Capital Services L.P.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
THIS IS GETTING TO BE RIDICULES I HAVE FILE COMPLAINTS AGAINST LVNV FUNDING LLC. I HAVE TOLD THEM THE AMOUNT I OWE THE COMPANY IS XXXX BUT THIS HAS GONE ON FOR OVER 2 YRS AND NO RESOLUTION PEOPLE HAVE BEEN THREATEN AND LFT VOICEMAIL OF PHONE NUMBERS WHO WAS NOT GIVEN. I HAVE SAID THIS TIME AND TIME AGAIN WHAT I OWE XXXX THEY WANT MORE AND FILE SEVERAL COMPLAINTS WITH THIS OFFICE AND FTC ETC. NOW I RECEIVED A LETTER FROM XXXX XXXX XXXX XXXX XXXX. IS ANYONE LISTENING TO PEOPLE WHEN THEY FILE THESE COMPLAINTS AND CONSUMERS ARE GETTING HARASSED. I HAVE TRIED TO WORK OUT THIS AMOUNT YOU HAVE OTHER CONSUMERS SAYING THE SAME THING ABOUT THIS COMPANY AND NOTHING IS DONE. THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24
Company: EQUIFAX, INC.
State: FL
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:
XXXX XXXX  XXXX VISA is no longer reporting to my current credit reports. This account was definitely not fraudulent and I paid account in full on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XXXX XXXX XXXX XXXX XXXX once again illegally shared information about their case against me with a third party. 

Previously, they had mailed information to my father. Their response indicated that they were required by law to send such materials to my physical address instead of my mailing address. However, what they sent was just a regular notice of garnishment. They had sent them to my Post Office box previously and did so following the incident. 

This time, on the afternoon of Friday, XX/XX/XXXX, their agent knocked on the door of my father 's home, handed him a Motion for Revivor of Judgement, and left. It was not in an envelope. My father is willing to testify to this is court. 

Moreover, I've researched the company and they have a long history of such tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-20
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have been receiving multiple calls, sometimes at the same time to my land line and cellphone. XXXX account, was closed a long time ago with XXXX balance. The last time I bought something from XXXX XXXX XXXX was on XX/XX/2018 and it was paid in full with a credit card and not with the XXXX XXXX XXXX account. I checked this morning my XXXX   account and the balance is XXXX. I blocked the number but still received text message with link to check my XXXX  account. I am receiving text and calls from XXXX with the same message from XXXX XXXX who owns the account.

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 2018-10-20
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: Account status incorrect

Complaint:
Contacted Transunion three times now. Regarding the open status shown with my XXXX   XXXX credit card. It was closed last year with my Chapter XXXX bankruptcy. It still shows open over a year and a half later. Regardless of multiple contacts I've made to Transunion and XXXX XXXX. Neither company has taken action to correct it, although both have made promises to do so. This is a clear violation of the Fair Credit Reporting Act.

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 2019-09-09
Company: Experian Information Solutions Inc.
State: CA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
This is not a complaint about any information on my report, only a complaint about the accuracy of my FICO score. 

I have a free basic membership with Experian and get monthly reports. It reports on 2 loan balances and they have been accurately reporting the balances as decreasing since XX/XX/XXXX. It accurately reported an increase one time and has been going down again. 

Suddenly on XX/XX/XXXX I was notified that my FICO score decreased by 23 points, from XXXX to XXXX. I looked at my free annual reports at the 2 bureaus that would show it online and there is no derogatory information. 

My complaint is that when calling on the phone I was told I can not dispute a FICO score. I was given the run-around and told by two different departments ( membership and complaints ) the same thing. There seems to be no way to determine why my FICO score would drop so precipitously within a month.

They kept telling me how complicated the algorithm is to figure FICO scores which I understand. But they SHOULD BE ABLE to tell me WHY it dropped.

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