BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had opened two separate UTMA accounts for my daughters with Capital One 360. My first daughter 's account was set-up correctly as a UTMA account and converted to a regular savings account when she turned XXXX - we were sent emails prior to her turning XXXX stating her accounts would be converted from a XXXX account to a regular account on her birthday. For my XXXX daughter, they placed the UTMA acronym on the account name, but systemically had it listed as a regular savings account allowing my XXXX child to make withdrawals from the account without permission. When I attempted to correct the problem with a banking representative, I stated I was sold a UTMA account, and it appears I was given something else, and that I was simply requesting they correct the account set-up. I was informed by the customer service rep, that they do not sell or maintain UTMA accounts, but that they just create regular savings accounts and stick the UTMA designation in the account name as a nickname. I asked for escalation as that sounded like a deceptive sales practice, and I received a message response back that did not address my concern about the account set-up, but just to repeat that the account is a regular saving accounts which allows all owners to make withdrawals.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: FORD MOTOR CREDIT CO.
State: MD
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Around XXXX 2019, I contacted collection agency XXXX, XXXX and XXXX PA to settle the Ford Motor credit acct and I was told by their representative that when I paid the {$10000.00} that they would delete this account from the three credit reporting agencies ( XXXX, XXXX and XXXX ) and the original lender Ford. Also, I was told that if I didn't pay they would garnish my wages and income taxes.

However, when I reviewed my credit report I noticed that Ford Credit act # XXXX is still reporting on my credit report after paying the {$10000.00} as instructed. Secondly, based on the agreement with their representative I'm respectively requesting that they honor the agreement and delete this account from all three credit bureaus and have the original lender delete the account. I would have not paid the account off if not assured that they would honor it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 spoke with TransUnion and they keep saying they verified a bankruptcy in my name with the courts. I have a letter from the courts stating that they do not communicate with credit reporting agencies. So TransUnion is lying about verifying the bankruptcy that they are reporting. I have tried to dispute this with them several times and provided the court letter which they verified that they do have, but they still will not remove the inaccurate bankruptcy from my credit report. This situation is causing me a great amount of stress. It is illegal for them to so this. I am again, attaching the letter I received from the court for TransUnion to review and remove the bankruptcy. This letter proves that they lied about who they verified my bankruptcy with, therefore the bankruptcy must be removed. Also, I would like the name of the person and company that they are claiming they verified this bankruptcy with. It is my right to request and for Transition to provide proof under the FCRA provisions 609 and 611.

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 2016-09-21
Company: DISCOVER BANK
State: IL
Product: Credit card
Issue: Balance transfer

Complaint:
Discover and XXXX XXXX XXXX offer XXXX percent interest card for 12 months on balance transfers. In the fine print with Discover they state there is a charge of XXXX percent each month on the remaining balance at end of month. I did not see that as it was buried in fine print. BofA doing something similar. I got a card from each and now have to make payments every month on both cards. It 's deceiving. Only option is to cancel the cards but hurts my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16
Company: GMFS, LLC
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My home was flooded last XXXX 2016. I contacted my mortgage company - GMFS - and asked if I could get a deferment on my loan payment. They told me that they would give me 3 months ( XXXX, XXXX, XXXX ) where I would not have to make a payment and my next payment would be due on XXXX/XXXX/2016. They said that those 3 months would be tacked to the end of my mortgage. I received a letter from GMFS recently where they stated that I owe them payments for XXXX, XXXX, and XXXX 2016 plus my payment for XXXX 2016 totaling {$4900.00} and that this payment was due now. They threatened foreclosure so I paid the amount they asked for. I believe this to be wrong on their part but I paid the money to keep my home. If they had told me this up front I would have just continued to make my regular payments. I truly believe they lied to me or that their company representatives are grossly incompetent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26
Company: Revenue Assurance Professionals LLC
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have sent a tota l of 4 req uest for verification letters to  Revenue Assurance o r Consolidated Recovery Systems. After filing a CFPB complaint a few weeks ago I finally received a response back from the agency explaining that they were sending mail to   XXXX   XXXX     instead of  XXXX , although my correct address was typed on all  four le tters and written on every envelope. Furthermore, I called to give the correct address and requested that they print out the documentation on Wednesday and I would pick it up. However, I was unable to pick it up and they mailed it to me and I received it yesterday,  XXXX / XXXX / XXXX . The " verification '' is  a one s heet document outlining services and fees incurred with  XXXX   XXXX , a name that I have not used since  XXXX  before I was married and my previous address. However, it did not include any other identifying information. I attached documentation that I received from Revenue Assurance or Consolidated Recovery Systems verifying that the documentation I received does not meet the requirements to validate the accused debt. This debt has been removed from all other credit reporting agencies because the debt could not be validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
On XX/XX/2022, I sent a letter to XXXX to investigate accounts that are being reported inaccurately on my report. I received a letter from them dated XX/XX/2022 stating that they take my privacy seriously and I needed to send proof of identity ; which I did on XX/XX/2022 and gave them the 15 days to complete the investigation. I then received another letter from them dated XX/XX/2022 stating the same thing, requesting proof of identity AFTER I provided it to them. On XX/XX/2022, I sent them a letter and provided them with the requested documents and gave them 15 days to complete the investigation. And as of XX/XX/2022, they still have not responded and they continued to report this inaccurate information on my report. 
I demand that they delete this inaccurate account on my report immediately. 

XXXX XXXX XXXX  Account No : XXXX Reported Balance : {$890.00}

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 2020-12-07
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is a fraudulent account, ending in XXXX and I am requesting for this account to be removed from my Chex System report. As this unauthorized account is hindering future banking relationships. I am a victim of identity theft and fraud and this account was reported when observe.See attached documents of my information being exposed in several data breaches and sold on the black web from XXXX to XXXX. This was also reported to the credit bureaus, a identity theft report was done via web and all credit bureaus have deleted the fraudulent information/accounts associated. I also have been affected due to the pandemic ( Covid-19 ) and wish to not have any added stress at this time.

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 2022-08-15
Company: EQUIFAX, INC.
State: AL
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
15 U.S.C 1681 Section A. States I have the right to privacy. 

XXXX XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX GA XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX 15 U.S.C 1681 Section A. Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 
15 U.S.C 1681c. ( A ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information. Any ither adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-16
Company: Stephen Einstein & Associates, P.C.
State: NV
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
XXXX end up on judgment entered on XXXX XXXX ( for {$1800.00} ). ( Filing date XXXX - disposition date XXXX XXXX, court- index number XXXX ) .I was XXXXe U.S. for 9 years ( XXXX issue ) Now i live in XXXX since XXXX ( XXXX ). I notice The Law Firm of Stephen Einstein & Associates put hold on my savings account for that judgment -hold for XXXX for XXXX judgment. On XXXX XXXX I was discharged in bankruptcy XXXX -Final decree XXXX/XXXX/XXXX ( this judgment was not in my credit report XX/XX/XXXX,XX/XX/XXXX-I have copy-and I do n't know about to add when I file for bankruptcy ) Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XX/XX/2015 I submitted my application for a repayment program I was previous apart of with XXXX XXXX XXXX. This was a yearly renewal which I completed over the phone with a representative then, logged into my online portal to electronically sign my application. The representative told me it may take a while for the renewal process to start so I requested to file a forbearance  for the following three months XX/XX/XXXXthrough XX/XX/XXXX. The representative told me the forbearance was filed and I would receive a response in 10 days. I never heard back via mail or email regarding my forbearance or the status of my renewal application for my repayment program. Several weeks later I checked my credit report and discovered XXXX XXXX XXXX had reported all 10 of my accounts as late for 120 days. I was devastated when I saw this because my credit score dropped below 450 and I felt like my life was ruined because I was trying to buy a house at the time. XXXX XXXX XXXX never called or sent me a letter regarding this matter. The company never told me I had a payment due, what the amount was, and I never received information regarding my forbearance or application status. Prior to this negative reporting on my credit and prior to my application renew my monthly payment was XXXX dollars per month. I was in belief that I was in a forbearance period and that my monthly payment would remain XXXX dollars per month. I never expected XXXX XXXX XXXX to report on my credit a monthly payment amount of over 500 dollars. Unfortunately, due to miscommunication from the company my credit file was ruined and I was denied housing from an apartment complex after also being denied a mortgage loan.

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 2020-03-17
Company: EQUIFAX, INC.
State: HI
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:
Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX   XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17
Company: CITIBANK, N.A.
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 status incorrect

Complaint:
Citi Credit Cards reported my XX/XX/XXXX payment as late. The payment was only paid late due to Citi 's failure to send my monthly statement. After the 3rd month not receiving a statement I called them again and asked to speak to upper management on or about XX/XX/XXXX and after a brief investigation they informed me that due to an error on their end, my statement was not being mailed to me. I do not feel that the XXXX payment should show as delinquent since the delinquency was due to them failing to send the statement. I've attached the correspondence to and from Citi. I have also disputed this with the 3 credit bureaus with no success.

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 2016-06-10
Company: AES/PHEAA
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have been paying extra with each monthly payment for 4 years. Instead of applying the extra to my principal, they apply it to my next month 's payment, so I am still accruing the higher interest. So in 4 years I have paid over {$16000.00} on my {$29000.00} student loans, but still owe {$23000.00}. 
They also changed my XXXX grants into loans and told me it was because I missed a deadline. I never knew of the deadline.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
This is on all XXXX credit bureaus. On XXXX XXXX I traded in a Subaru for a Mitsubishi. Some reports have that I have XXXX car loans, I have XXXX. Under each of the reports inquires they have listed XXXX XXXX XX/XX/XXXX14- XXXX XXXX XXXX XX/XX/XXXX/14- XXXX XX/XX/XXXX/14-XXXX XX/XX/XXXX/14-all XXXX XX/XX/XXXX14-XX/XX/XXXX XXXX XXXX/XXXX/14 Where I purchased the car XXXX XXXX/XXXX/14 Which is my loan company XXXX XXXX/XXXX/14 It is my understanding that there should only be one loan inquiry for this purchase. This greatly effects my credit and my score

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: Bread Financial Holdings, Inc.
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I submitted a payment using a negotiable instrument on XX/XX/2022 it was delivered to the company on XX/XX/2022 I called XXXX ( XXXX ) XXXX on XX/XX/2022 they verified they received the payment and XX/XX/2022 and I was speaking with a supervisor and was placed on hold for over 45 minutes and I was hung up on at that point. This company is in violation of UCC 3-603. I've tendered a payment to the PAYMENTS Marked PAID IN FULL Address of XXXX XXXX XXXX XXXX XXXX TX it was accepted I never received the negotiable instrument back in the mail my account was not credited in the amount of {$5200.00}. According to federal law listed below this company is now in violation and is subject to fines and penalties due to fiduciary fraud.

UCC 3-501 Presentment UCC 3-502 Dishonor UCC 3-604 & 605 Discharge by cancillation or renuncation & discharge of indorsers and accomodation parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: Kriya Capital, LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/2021, a claim was processed from XXXX XXXX XXXX. XXXX XXXX claim # XXXX. Amount billed was {$1600.00} XXXX paid {$1500.00} and XXXX XXXX paid {$370.00} The statement shows PATIENT RESPONSIBIITY {$0.00} I keep getting letters from Credence debt collectors that we owe {$62.00}

Company response to consumer: Closed with non-monetary relief