BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
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:
On XX/XX/2022 I made an online purchase from the merchant XXXX XXXX and the website suggested I use XXXX as the method of payment. I had my XXXX account tied to my Capital One XXXX credit card. Nowhere on the XXXX website or XXXX 's receipt did it say the transaction would be considered a cash advance by the credit card company Capital One and therefore charged an immediate fee of {$56.00} and a day later an interest fee on the cash advance of {$7.00}. I called Capital One and they said that XXXX had coded it that way and that I needed to contact XXXX so I did. XXXX said they did not code anything as a cash advance and that the credit card should be charged as a normal payment. So I called back Capital One and they said the Merchant coded it as a cash advance so I called the merchant and they said they had no control over this. So after many more calls spanned over a few days Capital One strait out refused to take ownership of the charge. They said they couldn't specify why it was that way but there was no recourse for me except to contest the entire purchase from the merchant but that wasn't the problem. About 5 days after I had called my bank they reversed the {$56.00} fee without telling me but still kept the interest on there which they knew about from several previous calls I made to them on the same issue. I decided my only recourse was to pay everything off including the interest and close all my accounts with Capital One. Well I just looked to double check that all my accounts had been closed and they charged me another {$16.00} in interest on XX/XX/2022, I had paid off the entire account on XX/XX/XXXX. I am not paying this as I already told them this is a scam of sorts but they refuse to listen. I paid off everything on my account and somehow I am still being charged interest? Please help they will not listen or do anything for me they won't even close the account. This should be against the law. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have been disputing these items on my credit and have n't received a response. these debts are not placed on my report that should not be there anymore. They have been closed XXXX XXXX Bank XXXX XXXX XXXX XXXX Bank

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 2022-03-17
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am an out of service veteran, I have worked closely with XXXX and XXXX to correct a debt from my time in the Military. The debt should have been XXXX and I have also paid XXXX from garnished wages to the Third Party Collection agency TSI. When I contacted TSI to request a payoff account I was informed that the debt is now {$5100.00}. And there is no account summary or portal to verify the amount. Math is not my strongest subject, but I came to XXXX I requested and explanation to understand how the debt came to XXXX? Is there a {$1500.00} fee added? And where can I find an account summary or debt summary?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-17
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
While perusing my credit report, I noticed several items I did n't recognized. A address I did n't recognize and a collections bill from XXXX and XXXX I did n't incur. Please advise.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-27
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Account was paid and closed, but remains on my Experian credit report. The items are being reported negatively, they should not remain, and continues to damage my report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have requested that the remarks be removed from my credit report that state consumer disputes. Having these remarks on my credit report are causing issues with me refinancing my home. This creditor has already been paid off.

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 2016-05-11
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
IRS lien filed on same date as paid. XXXX/XXXX/2010. Lien should not have been filed. In any event in the best interest of all parties this item should be removed

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 2022-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 recently noticed fraudulent activity on my credit reports. What I have found ( XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ( XXXX ) ; XXXX XXXX XX/XX/2022 ( Transunion ) ; XXXX XXXX  XXXX XX/XX/2022 ) has lead me to believe I may be a victim of identity theft, as I did not approve any info to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any alert to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the home buying process. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the FTC 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a XXXX doc reflecting all items that were found to be authorized by any such. Please remove ASAP.

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 2022-07-13
Company: WELLS FARGO & COMPANY
State: DE
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:
From XXXX XXXX You Wells Fargo have report all late payments on my consumer report. They are cause stress and embarrassment to my public reputation as I am not able to apply for extensions of credit. So I am asking. 

1. I am requesting appropriate documentation that CLARIFIES How I am late on a payment AND which LAW states that you are allowed to furnish these negative items.

To my understanding there is no law that states a financial institution has the right to furnish ALLEGED late payments on any consumer report.

Under truth in lend act late payments arent even defined.

2. I am requesting appropriate documentation thats states I gave you CONSENT to share my non public information. 

If the follow documentation can not be presented I am requesting that all the payments are UPDATED in GOODSTANDING and XXXX out the balance.

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 2022-03-17
Company: The CMI Group, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Was notified via mail by Credit Management L.P. in which i responded withing 2 days to dispute the validity of the debt owed, I specifically asked for validation of the debt which i sent via certified letter which Ive attached to this complaint, Credit management never responded within the 30 days allotted by law, Credit management knowingly added this debt to my credit file without validating this debt as i demanded. 

Proof of my request will be attached to this complaint.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-13
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The Equifax and XXXX XXXX Reporting Agencies have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. XXXX XXXX XXXX XX/XX/XXXXXXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: Experian Information Solutions Inc.
State: PA
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:
In accordance with the Fair Credit Reporting act 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2016-10-27
Company: ENCORE CAPITAL GROUP INC.
State: IN
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
FAILED TO VALIDATE DEBT, CALLED FAMILY MEMBER AFTER CEASE AND DESIST, MIDLAND ONCE AGAIN VIOLATED XXXX ACT OF 2009.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have an auto loan with Toyota Financial services and in the second week of XX/XX/XXXX I activated autopay. They took the first payment of {$400.00} on the XXXX of that month. The subsequent payment didn't " autopay '' and in XX/XX/XXXX my credit report was marked 30 days late. I faxed a request for removal of this from all 3 of my credit reports. I received a response by mail that didn't address what I had requested, and I was denied the removal. 

I have zero late payment markers on my credit report. I can't say why this happened, whether a glitch in their software or something on my end, but regardless there was no lack of money or intent to pay my loan payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
Company: Experian Information Solutions 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:
please remove fraudulent accounts

XXXX XXXX XXXX 
open date XX/XX/XXXX XXXX XXXX XXXX   
XX/XX/XXXX XXXX XXXX XXXX 
XX/XX/XXXX

XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  
open date 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 2016-10-26
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I keep disputing a supposed collection account on my credit report from ( XX/XX/2006 - XXXX ). I have disputed this account with Experian multiple times and they keep updating it as a collection that I recently paid off. I even went so far as to call that company ( XXXX ) and get a letter of perfect account history and a letter asking them to remove the incorrect item. I sent Experian certified letters regarding this matter and they will not delete it from my credit report. " Hypothetically speaking '' if I had a collection account from 2006 ( i did not ) " and that was 10 years ago anyway '' I requested a credit report and dispute from them multiple times but it is still not removed. How do I file a complaint or sue them for defamation and stress? Who can i complain to, where will i be able to file suit in court against them? My Experian credit report number is 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 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
In accordance with the fair credit reporting act everything has to be 100 % accurate on my credit report. 
The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate? 
This is grounds for removal. 
They also violated my rights under 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 15 U.S.C 1692c Section A : States that without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

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 2022-03-17
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I, XXXX XXXX, a natural person, just received a notification theres a new account reporting on Consumer Credit Reports today dated on XX/XX/22. 

However, Dear Convergent Outsourcing, how did you get my private information which is my social security number? How did you get it without my consent? And why are you reporting on my credit report without my permission?

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 2022-07-20
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I'm pleased to see several improvements made to my report, including the deletion of some accounts I had previously disputed. However, there are still a few accounts on my report that are false and the result of identity theft. I request your assistance in getting rid of the last few items on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any accounts that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
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

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28
Company: Experian Information Solutions Inc.
State: NC
Product: Credit card
Issue: Billing disputes

Complaint:
I used XXXX for years at {$9.00} a month, with no problems until Experian.com, the credit reporting company, merged them into their systems and they converted my account into an Experian account. Right off the bat their were issues, I could not access my account the first two months. When I finally got access they billed me for approximately {$70.00}. I called them to resolve the charges and all was ok until the following day when I received a cancellation notice from Experian. I called to complain and they stated that it is standard practice to cancel an account when a refund is processed, even if it is their billing mistake. I was floored, so in essence according to Experian they have never generated an incorrect bill and if you do not pay you get the boot and must change services, as if there are many credit report monitoring services to choose from.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03
Company: BMW Financial Services NA, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
XX/XX/XXXX  I mailed an affidavit of truth, exhibits of violations, invoice and notary presentment to XXXX XXXX XXXX a division of BMW Financial Services NA , LLC. This company is in violation of selling and transferring my information in connection to my consumer credit transaction without my direct consent. Failed to provide me remedy for the fraudulent activity connected to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-21
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
The above property was built by XXXX XXXX in XXXX in XXXX XXXX XXXX XXXX sale was transacted in XXXX XXXX then re-sold to a XXXX owner in XXXX XXXX. After 6 years, sink-holes appeared around the property causing the owner to vacate and foreclosure commenced in XXXX XXXX. 
I unknowingly transacted the XXXX sale of said property in XXXX XXXX. The property was appraised and inspected by XXXX XXXX XXXX and there were no sightings of sink-holes. 7 years later in XXXX, I have encountered the sink-holes appearance at the sides and rear of the property. Listing agent : XXXX XXXX XXXX XXXX, XXXX, Seller : US Bank, National Association as trustee for XXXX Corp, Seller 's Agent : XXXX XXXX failed to disclose this problem before the property was sold. They were the companies involved in listing and preparing property for resale. 
My neighbor next door, XXXX XXXX, XXXX of the first residents to occupy a home in the sub-division, witnessed the dumping of trash on my property during construction and also saw large openings around the perimeter during the residency of the XXXX owner. 
Whoever prepared the property for re-sale was aware of the openings around the property. The seller and/or listing agent had contracted with a company for dirt/soil to be spread around the property to temporarily hide the recession of soil around the perimeter and the impending disaster to an unsuspecting buyer. I understand that my property was sold as-is, however, the seller had knowledge that the property was built on a trash pit and hid this fact by filling the holes and cover with sod. This pertinent information was withheld from the buyer. The seller of the property should be liable for the repair cost which should have been his/her expense in the first place and as such, the buyer was deceived. 
There is an XXXX horizontal hollowness below the slap, the right rear of the building is presently XXXX '' lower and the left rear is XXXX '' lower from the original dimensions ( re-measured on XXXX/XXXX/XXXX ). Kitchen tiles are cracked, kitchen counters are off balance and using the back door is hazardous because one may step out into a sink-hole. Being built on inferior soil has caused the rear right corner of the building to be supported by air ; piers were omitted during construction so gravity is in process on the structure. Decomposing waste is buried under my home! It is affecting the structure and contaminating my health! 
What I was sold is equivalent to a house built on quick sand and I would not have knowingly purchased a house built on quick sand neither on a trash pit. I am a retiree living on fixed income and this expense will cause an increase in my debt. 
This is unfair business practice therefore I need to be reimbursed for the cost of repairs to stabilize this property. 
I kindly appreciate your help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation