BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-02
Company: CMRE Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with account listed under CMRE. I requested a validation on XX/XX/XXXX as there was an account that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and the account was listed as disputed by consumer but I had not received any correspondence from creditor to validate these accounts as correctly belonging to me. Therefore on XX/XX/XXXX I sent a 2nd validation letter. Credit report was reviewed again on XX/XX/XXXXand the account is still reflecting on my report and I do not believe the account belongs to me nor that the creditor has authorization to legally access my medical records and to attempt to collect on this account and these accounts continue to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that these accounts belong to me and all information is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
If I do n't have funds in my account they payments are supposed to decline instead they accept them and charge me {$35.00} in overdraft fees, I have also set up an active hours account but they take forever reporting my activities to them so I end up getting another overdraft fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02
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: Their investigation did not fix an error on your report

Complaint:
The collection account from XXXX XXXX XXXX with amount of {$290.00} on my Experian credit report does not belong to me. Verified via multiple sources, it rather belongs to a person with same last name, similar first name, different date of birth and social security number, who happened to have lived in the same apartment community as I did. 

I disputed this account at Experian but they listed this person 's name and address as one of mine and indicated this collection is " verified as accurate '' as the result of this dispute. 

I also tried to contact XXXX XXXX XXXX. I don't have any account on their record but they refused to offer any help correcting the false report, instead their customer representatives tried multiple times to trick or mislead me to admit I owe the money and make a payment. 

Attached proof from the original creditor showing me having XXXX balance with them.

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 2019-11-21
Company: Experian Information Solutions Inc.
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:
I have several unauthorized inquires on my credit report which I Did receive any lines of credit nor am I familiar with the companies. I have listed the dates and companies of the inquires below Company : XXXX XXXX Date:XX/XX/XXXX Company : XXXX Date : XX/XX/XXXXCompany : XX/XX/XXXX Date : XX/XX/ Company : XXXX XXXX Date : XX/XX/ Company : XX/XX/XXXX Date : XX/XX/ Company : XXXX Date : XX/XX/ Company : XXXX Date:XX/XX/XXXX Company : XX/XX/XXXX Date : XX/XX/ Company : XXXX Date : XX/XX/ Company : XXXX Date:XX/XX/XXXX Company : XXXX Date:XXXX Company : XXXX Date:XX/XX/XXXX Company : XXXX XXXX Date:XXXX Company : XXXX XXXX Date:XX/XX/XXXX Company :  XXXX XXXX Date:XX/XX/XXXX Company : XXXX XXXX Date:XX/XX/XXXX Company : XXXX Date:XXXX Company : XXXX Date : XX/XX/ Company : XX/XX/XXXXXXXX XX/XX/XXXXDate : XX/XX/ Company : XX/XX/XXXX Date : XX/XX/XXXXCompany : XXXX Date : XX/XX/ Company : XX/XX/XXXX Date : XX/XX/ Company : XX/XX/XXXX Date:XX/XX/XXXX Company : XX/XX/XXXX XX/XX/XXXX Date : XX/XX/ Company : XXXX XX/XX/XXXX Date : XX/XX/ Company : XXXX XXXX Date : XX/XX/ Company : XX/XX/XXXX Date : XX/XX/ Company : XX/XX/XXXX Date : XX/XX/ Company : XXXX XXXX Date:XX/XX/XXXX Company : XXXX XXXX XXXX XX/XX/XXXX Date:XX/XX/XXXXCompany : XXXX Date:XX/XX/XXXX Company : XXXX Date:XX/XX/XXXXCompany : XXXX Date:XX/XX/XXXX Company : XXXX Date : XX/XX/ Company : XXXX XXXX XXXX XXXX Date : XX/XX/ Company : XXXX Date:XXXX Company : XXXX Date : XX/XX/ There are also different accounts on my credit report that I did not authorize. I have listed them below. 

Account Name : XXXX XXXX  Account # XXXX Amount : {$820.00} Account Name : XXXX XXXX Account # : XXXX Amount : {$2000.00} Account Name : XXXX XXXX XXXX XXXX Account XXXX : XXXX Amount : {$180.00} Account Name : XXXX  XXXX XXXX XXXX Account XXXX XXXX Amount : {$530.00} Account Name : Untitled { Medical ) Account # XXXX Amount : {$1000.00}

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 2020-04-21
Company: Nelnet, Inc.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/20, I checked into my payment statuses for past payments and noticed that the application of my payments was being applied incorrectly. I currently have 6 outstanding loans ( all Stafford loans ), that are serviced through Great Lakes Educational Loan Services and upon payment, more than just the interest is being paid on each, even though the information provided on the website states that excess amounts over interest will be applied to the principal of the loan with the highest interest rate. Upon calling one of their  representatives, they confirmed that the information on their site is the appropriate way of applying the loans. As such, I believe that they are committing deceptive practices that is causing individuals, including myself, to pay more overall on their loans. Through this practice, it means that my effective interest rate is not being driven down through the pay down of my higher interest rates, but is instead, remaining stagnant and netting them more profit on my loans. Although I have caught this practice and can alter the payment allocation to the correct, and stated way, this is an act that could have costs me hundreds of dollars, and for some individuals, may cost others thousands over the life of their loans. My concerns were corroborated by searching for similar issues with them, and I found countless.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24
Company: BARCLAYS BANK DELAWARE
State: KS
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: Card was charged for something you did not purchase with the card

Complaint:
I have a XXXX Credit Card through Barclaycard. The card expired in X/17. When I received the new card in XXXX, I did not activate it ( as I was not planning to use it ). They sent an email on X/XX/17 that a payment is due and payment was due X/XX/17 ( I thought the time when a statement is sent and payment is due is more than 10 days, am I wrong? ) Since I had not charged anything on that card for years, I just deleted it. Then today I get a notice that the payment is past due. I looked online since they did not mail me a statement and there was a charge on XXXX for XXXX in the amount of {$11.00} -- followed by another charge of {$11.00} on XXXX for XXXX. Then they charged me {$24.00} for late payment fee on XXXX and interest charge of {$.00} on XXXX. Then to add insult to injury, there was a charge of {$9.00} dated X/XX/17 from XXXX XXXX. None of those charges are mine. ( I have never had XXXX -- do n't know how to use it and sure do n't know what XXXX XXXX is ). I called the company today and complained and asked that they close my account. But I am afraid that they will post that I am past due on payment ( even though they were not my charges ). But my question is ( and complaint ) - How can a charge be posted to an account that was not activated? I think there is an employee in the institution that is looking for accounts that have not had activity for a long time and then selling that number to???. Also somebody in the inside had to activate the card to make the charges go through the system. Please check this out and let me know.

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 2022-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 contacted TransUnion on XX/XX/XXXX about the following accounts ; XXXXXXXX XXXX XXXX  ( Account Number : XXXX, Date Opened XX/XX/XXXX, Balance {$2200.00} ), XXXX ( Account Number : XXXX, Date Opened XX/XX/XXXX, Highest Balance {$2500.00} ), XXXX ( Account Number : XXXX, Date Opened XX/XX/XXXX, Credit Limit {$1000.00} ) TransUnion has failed to verify these fraudulent accounts on time as they are required by 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 2022-01-24
Company: EQUIFAX, INC.
State: GA
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:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
This Wells Fargo bank has been doing things inappropriately with my banking tampering with my funds repeatedly and messing with my funds and merchant services my data was breached several times and then are not doing appropriately messing with my pertinence

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 2021-03-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I unfortunately caught XXXX on XX/XX/XXXX, someone had my information from my edd card and used it at a XXXX XXXX  in XXXX XXXX and took out {$1000.00}. I was home in bed when I seen on the XXXX someone did this, I called Bank of America and my account is still frozen with the {$3300.00} I have in there. If you add the {$1000.00} someone took out I should have {$4300.00}. At this point I just want to remove what I have left because this type of fraud seems more and more frequent. I call at least once every 2 weeks and no one will help me, not the supervisor not anyone I really just want whats left my unemployment

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 monetary relief
Consumer complaint received 2020-04-21
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Information belongs to someone else

Complaint:
I have been dealing with identity theft for over 5 years. On XX/XX/XXXX a hard inquiry through capital one was put on my XXXX XXXX report. i called capital one right away and they closed down the account but XXXX XXXX said they will not take off the hard inquiry without proof from capital one. Capital one says this is XXXX XXXX responsibility.. I am sick and tired of being on hold for literally 3 hours for no one to help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-25
Company: Experian Information Solutions Inc.
State: GA
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:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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: 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: Reporting company used your report improperly

Complaint:
accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, has violated my rights. 
accordance with the Fair Credit Reporting act XXXX XXXX XXXX  # XXXX, has violated my rights. 
accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 
accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 
accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 
accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  Account # 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 XXXX : 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 2020-06-21
Company: Resurgent Capital Services L.P.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have complaints with LVNV : 01 XXXX XXXX XXXX balance they claim is the original creditor. The account was opened in XX/XX/2018. At that time I was in XXXX  shelters without enough income to qualify or need a credit line. My mail was still being sent to XXXX XXXX XXXX XXXX, XXXX XXXX TN XXXX. I think it was stolen from the mailbox, and a card account was made illegally. I do not owe this amount, and would like this taken off my credit report along with derogatory remarks.LVNV also has a XXXX  XXXX  XXXX XXXX  account that I am not aware of the amount of that is XXXX. I'm not sure of it's origin. I did not apply for this card. It has derogatory remarks that I would like removed from my reports.XXXX XXXX XXXX has been paid in full, and I would like it taken off of my report, and any derogatory remarks.XXXX  XXXX XXXX XXXX a former XXXX  XXXX  Account has been paid in full, and I would like it taken off my credit report, and any derogatory remarks.XXXX  XXXX  orginial creditor 08 XXXX XXXX is being settled as soon as they send me a letter stating they will take the derogatory remarks off my report, and report as a settled account. It also was a charge off, and I would like any charge off accounts that are paid or settled removed. XXXX XXXX XXXX has an orginial creditor account with XXXX  XXXX I am unaware of its origin. I would like it removed from my report, along with any derogatory remarks. XXXX XXXX XXXX has a closed account I would like removed along with any derogatory remarks. I was in XXXX  shelters, and my XXXX  did not pay the car bill. I relinquished the car after I found the address he was living, but they will not remove the bill, or remarks. Considering the situation I would like this deleted. The car loan was XXXX. I relinquished the car willingly, and they still want XXXX. I had already paid 2 1/2 years of payments of XXXX. They sold the car at auction and got XXXX for the car. I'm not sure how they're math is possible, or their morals. I would like any derogatory remarks removed. XXXX  XXXX  XXXX XXXX  has an account I do not know what is. The way it is listed it looks like an account that was paid every month, but wasn't used frequently. It was closed while I was in XXXX  shelters. Please remove it and any derogatory remarks or charge offs from my credit report. The credit limit is XXXX and the amount owed is XXXX dollars since the account was always paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21
Company: CL Holdings LLC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
not my account. company is still reporting even though I 've notified them of such, filed a dispute with CRA and they have not provided proof that this is my account or the amount they say I owe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-03
Company: AMERICAN HONDA FINANCE CORP
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: Account information incorrect

Complaint:
In XXXX of XXXX, I was involved in an auto accident and the insurance company paid off the balance of the car. I believed that I was finished at this point. However, Honda also contacted me with a remaining balance in XX/XX/XXXX which was promptly paid off. Here 's where things get confusing. In XXXX of XXXX, Honda reported that an account has been charged off with a balance of XXXX, four years after the account was already paid in full. I have a perfect credit history and this is the only negative thing that was reported and prevented me from getting a loan. I called Honda on XX/XX/XXXX speaking to XXXX XXXX and here is what he claimed. He said that the insurance did not cover everything after the accident and that there was a remaining balance. Honda allegedly sent out 1 ( yes only 1 ) letter stating the remaining balance owed in XXXX of XXXX. They have refused to provide a copy of this letter. They also said they made several phone calls but no one answered. Again they refuse to provide any record of these calls. They claim that they will have to be subpoenaed through the court. It makes no sense that an account can be paid in full in XXXX then reported as a charge off in XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-25
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
A fraudulent account was opened in my name and due to the diligence of TD bank it was stopped and nothing was stolen but I am just reporting this for the record as advised by TD bank

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-21
Company: CITIZENS FINANCIAL GROUP, INC.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Citizens Financial Group , Inc This company purchased Franklin Mortgage and is a complete disaster to work with. 
The first time I called, around XX/XX/2020, there did not have a call back feature, and the line literally rang for 2 hours. There is no email or chat support. 

I had to register recurring payments via mail ( USPS ) and then they didn't take out my mortgage payment, and have a recording to tell me I'm late on my payment. When I answer, I have no way to talk to someone, the recording says " we will get someone on the phone '' and it never did. I the asked me to call the same phone number that NO ONE EVER ANSWERS. 

They should not be allowed to service personal mortgages and make tons of money off of us without proper customer service ( US jobs ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-02
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
To whom it may concern My name is XXXX XXXX i got my credit report about a month or to back and saw somethings that wasnt correct for starters my name is not XXXX XXXX XXXX it is XXXX XXXX also had inquireys that i never made i called the companys and the credit bureaus and no one can seem to help me so i was googling legal Options and came accross you and your my Last resort

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