BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-17
Company: Experian Information Solutions Inc.
State: AZ
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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-20
Company: U.S. Auto Sales 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:
US Auto Finance is reporting an acct that is not mines in my credit report. It belongs to a family member with a similar name. Please correct and remove from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: Experian Information Solutions Inc.
State: GA
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:
XXXX XXXX XXXX - Account # XXXX Balance : {$4300.00} In accordance with the Fair Credit Reporting act the account number # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2017-01-11
Company: Risecredit, LLC
State: GA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
Contract agreement was for {$180.00} per month for 45 months, however, Rise Credit began taking an unauthorized amount of {$360.00} per month. Upon contacting the company regarding this matter I was informed these details were not mentioned on the initial contract pages. I feel that I am a victim of predatorial lending practices. I want this company investigated and exposed for their fraudulent an unfair lending practices. I am a XXXX veteran and can not afford this type of ripoff.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card
Issue: Late fee

Complaint:
In XXXX 2016 I had a secured credit card through Capital One that was closed. After application of the security deposit it left a balance of {$35.00}. While the account is being reported to the credit reporting agencies as closed a recent review of my annual credit reports reflects that Capital One is reporting the account in a derogatory status ( " past due '' ). A review of my statements from Capital One shows that while the account was closed and had a balance due I am still being assessed past due fees and interest. As of my most recent statement I have been charged in total {$55.00} in fess and interest. My new balance is {$91.00}. Additionally, my most recent statement states that my account is suspended.. I spoke the account representatives and a supervisor by the name of XXXX who stated that since the account still has a balance despite being closed the system reflects it as being suspend. However, I am requesting a review of this account status as a closed account should not be considered suspended. Suspension denotes that the account is active. How can a closed account be considered suspended? My most recent statements reflect I have a credit limit of {$200.00} and a cash advance limit of {$100.00} but no available credit for either. How can I have a credit limit of {$200.00} and a cash advance limit of {$100.00} when the account was closed? Additionally, I am requesting a regulatory review of the fess and interest charged for a closed account and reporting of derogatory information for a closed account to the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
Purchased a XXXX  from a XXXX advertisement for {$91.00}, never received it and website does not exist anymore. I have cameras and no one showed up to deliver. Called to dispute because I never received said XXXX XXXX. Capital One claims they sent a letter for me to respond to but I never received it and now they closed my case. 
Because the file is too big, here 's two links to view the videos showing that no postal service stopped at my house at XXXX pm. Although there is a small gap in time between videos, at XXXX in the second video, no postal vehicle arrives or leaves the cul-de-sac XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-02
Company: Ocwen Financial Corporation
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
my mortgage was sold from Ocwen to PHH Mortgage. PHH Mortgage is stating that we are {$21000.00} behind on our mortgage which is not true. I spoke with them and faxed several documents such as bank statements, Bankruptcy statements etc to prove they have been paid i have reached out to them several times and keep getting the run around with no resolve in sight.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against 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 2022-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 inquiries and information listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to all three credit bureaus. The reality that this information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inaccurate information and inquiries listed below as a result. 
EMPLOYER : XXXX XXXX  XXXX  Date Updated : XX/XX/XXXX XXXX XXXX Date Updated : XX/XX/XXXX INQUIRIES : XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/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
Consumer complaint received 2020-01-02
Company: WESTERN UNION COMPANY, THE
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Company : Western Union, Global Operations Contact at WU :  XXXX Date of cancellation by western union : XX/XX/XXXX Tracking # provided by WU : Your tracking number ( XXXX ) is : XXXX Currency Transfer Amount : USD XXXX XXXX rejected 4 times ) Rejected Recipient Name of my currency Transfer : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  of my Rejected Recipient : XXXX Overseas Bank XXXX XXXX XXXX XXXX XXXX I don't understand on what lawful basis my currency transfer is being rejected. I have been a regular and satisfied customer of Western Union since XXXX. Wester Union has never before rejected any transfer I have made. 
It appears that WU took exception to my recipient for some unknown reason.

WU customer agent sought and received additional information from me and my recipient and still they rejected him. 
My intended recipient XXXX XXXX is a friend of mine. I don't know on what lawful basis they rejected my money transfer to him.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-23
Company: RAB PERFORMANCE RECOVERIES, LLC
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
A garnishment/hold has been issued on my bank account because my son is on the account. The debtor did not submit an court order to appear in court. The debtor was given automatic permission to seize my bank account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Issue: APR or interest rate

Complaint:
I have been a customer of Capital One also known as Capital One 360 for 11 Years. I 've paid balances in full, always paid on time and I have a good credit score. I am confused as to why is it that I can ONLY get a credit line of XXXX- I started at XXXX, then XXXX now XXXX. I have other credit cards with a higher credit limit, and I have been with those agencies for far less time. Secondly, I have asked for my APR ( urrently currently 19 % ) to be lowered, only to be notified that I did n't qualify ; because there were no promotional offers at this time says, a supervisor at Capital One. 
If there were promotions, how is that I was n't notified by mail, call or email? 
There is something grossly wrong with this picture.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Credit card
Issue: Delinquent account

Complaint:
It has been several years now, I did n't know about the CFPB at the time, my sister and I had inherited our grand parents house a XXXX family building. We were fixing and selling it, in the mean time she had found out XXXX, on the same day she got notice to appear in court for a Capital One credit card that she had fallen behind on cause she was being treated XXXX and not able to work XXXX The XXXX on her mind she had forgotten about it and no one else knew about it. She had signed the house over to me to cover a loan we had on the building for down payment on a house she was getting with her daughter. She passed away about a year later, we finished on the building and put it up for sale. We had gotten a buyer and when we went to close found out there was a lean on the building from Capital One for the loan my sister owed, well her loan started out at about {$2000.00} and at the closing was over {$5000.00} and had to pay before we could close on the sale. We knew nothing about this and was never notified about the lean if we had been we could have paid off the loan earlier. When we called and talked to the lawyer that was handling the loan he said they did n't have to notify anyone, if we had n't sold the building when we did they would still be adding interest to the loan and we would n't have known about it. My complaint is that people should be notified about these leans when there are more than one name on a property cause if we had n't sold that house till 20 years down the line can you imagine what the amount of interest would have built up.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card
Issue: Billing statement

Complaint:
I received a call from XXXX fraud department on XXXX XXXX 2015. They wanted to know if I am happy with my purchase, I told them I never ordered any tickets from them. 
I then immediately called. Capital One and told them there has been unauthorised charges on my account. They told me they will investigate and remove the charges. 
The unauthorised charges are for {$910.00} and for {$52.00} I was told the unauthorised charges for a total of {$960.00}, will be removed from my account. 
Lo and Behold when I got my billing statement it says I owe {$730.00}, this is in error, my total legitimate charges are only {$180.00} and that is what I was expecting to be billed. 
Capital One sent me a billing statement that is very difficult to understand. The billing statement is very confusing and it is wrong and in gross error and very deceptive, I DO NOT OWE {$730.00}, all I owe is {$180.00} AND THAT INFORMATION IS NOT ON THE BILL STATEMENT. 
Capital One is being very deceptive, and they now have very very poor customer service, out sourced to XXXX. 
I want Capital One to send me a proper bill with the correct amount of {$180.00}. in the new ballance area. 
Also I no longer wish to use their credit card. Capital One sent me a new credit card, but I refuse to activate it, as I no longer want to associate with a shady company such as Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: EQUIFAX, INC.
State: AZ
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 inquiries and information listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to all three credit bureaus. The reality that this information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inaccurate information and inquiries listed below as a result. 
CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Inquiries : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: EQUIFAX, INC.
State: NJ
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: BSI Financial Holdings, Inc.
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Mortgage Company : BSI Financial Services XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Main line XXXX Ext. XXXX Fax XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXX XXXX # XXXX Office Hours XXXX XXXX XXXX XXXX XXXX  ( Central ) Loan Type : FHA After missing 2 mortgage payments due to a reduction in my hours at work back in XX/XX/XXXX related to the pandemic, I reached to my BSI Financial Services to request a mortgage loan assistance in the form of Loan Modification. 
I was then contacted via phone on XX/XX/XXXX by XXXXXXXX XXXX  XXXX, who presented me with 3 different Covid-19 Waterfall Options that would modify my FHA loan interest rate and balance. I was then sent a follow-up email on XX/XX/XXXX at XXXX est. pm that detailed our phone conversation and told to select the Covid-19 waterfall option of my choice. I made my choice via email as instructed and sent the responding email with the necessary requested information on XX/XX/XXXX, at XXXX XXXX est. I then followed up with an email on XX/XX/XXXX XXXX XXXX est. to confirm the receipt of my previous emails to XXXX XXXX. 
She responded XX/XX/XXXX XXXX  XXXX  " Hi Yes received document. Thanks ''. 
Additionally, I sent emails on XX/XX/XXXX and XXXX after no communication asking for advisement on the next steps in the process to set expectations. I was sent an email on XX/XX/XXXX and XX/XX/XXXX that the department was behind and working on getting the necessary paperwork out to me with no set date. 
I have continued to email the original loan officer monthly for an update and have not heard anything and as a result I have called BSI Financial Services monthly since XX/XX/XXXX to express my concern involving the lack of follow- up via phone call, mail or email during this process. 
To date I am unable to utilize the online payment system because the account has been XXXX. I have resorted to calling in to make payments and have yet to receive any of the aforementioned assistance discussed over 4 months ago. 
I am deeply concerned about this company, their practices, failure to communicate and provide assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18
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:
This debt is n't mines, I do n't have anything with 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 2022-07-26
Company: Experian Information Solutions Inc.
State: NY
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:
XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX In accordance with the Fair Credit Reporting act is company has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-24
Company: Experian Information Solutions Inc.
State: PA
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 reached out to the 3 credit bureaus regarding an account with portfolio recovery that I reached an a agreement on with the collection agency to settle an account it was paid in full and in the conditions of the agreement they reached to the 3 credit reporting agencies XXXX, XXXX, Experian requesting that this account be removed. I disputed the account with credited bureaus asking them to properly investigate and remove this account since it is settled and the company agreed to remove it the credit bureaus did not conduct a proper investigation on the account. The credit bureaus continue to willing fully violate my consumer rights under the FCRA 611 ( a ) ( 5 ) ( i ).

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 2018-09-19
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
They are saying I owe XXXX XXXX XXXX. I've never had an account with them. I've tried to get the original contact information but no one has it. They're gon na garnish my check. 

They want me to file fraud information but they wont give me any information on the original account. 

The company name is XXXX XXXX XXXX

Company response to consumer: Closed with explanation