BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
I semi regularly check my email weekly. I saw on one of my emails that XXXX XXXX  stated that my credit had changed. I also received an email from one of the credit bureaus about my credit changing. It showed that a hard inquiry was made by Capital One bank  at XXXX today XX/XX/2022. I am currently attending XXXX XXXX XXXX XXXX and am not allowed to leave the center. I have also seen soft inquiries being made on the east coast as well. I have never given my sensitive information to anyone. I tried calling Capital One and it was already closed when I saw the unauthorized hard inquiry. I have gotten many promotional mail from Capital One for a couple of years. I always try to shred them to prevent my sensitive information getting out. I only have two active accounts. I have a XXXX credit card I had opened a few years ago and has only been spent on clothing to boost my credit. I also have a XXXX XXXX debit card. I also have a XXXX debit card that is issued to me by XXXX XXXX XXXX XXXX for my bi-weekly allowance. I had tried to close the XXXX XXXX credit card and talked to them over the phone and they said they would. I dont know if the XXXX XXXX credit card has been closed or it is my XXXX XXXX Debit card. I have frozen my credit bureau accounts that I am able to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-20
Company: Eastern Account Systems of Connecticut, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On or about XX/XX/XXXX, I noticed a sudden massive drop in my 800+ FICO scores. Upon checking, I discovered that a negative comment had been logged by a collection agency in XXXX. ( Eastern Account System of XXXX XXXX XXXX  ) I called the agency. They were very unprofessional and uncooperative when I asked for the reason behind their claim. I asked for copies of any evidence they claimed they had. To date, I have received nothing. 
I disputed the claim with the credit bureaus but they tell me that I have to obtain any corroborating evidence from the non-communicative agency. 
According to what I see on my credit report, this pertains to a non-payment to XXXX XXXX  XXXX XXXX in XXXX of XXXX. While we did live in XXXX, we moved to XXXX  in XX/XX/XXXX and have no knowledge of any debts. You can tell from my credit history that I have been paying my bills on time for over 50 years!!! 
This collection agency never contacted me before filing negative comments on my credit history. I have no idea who they are nor what they want, nor why ...

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06
Company: Paypal Holdings, Inc
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I made a transfer of XXXX dollop on or about XX/XX/2020 and PayPal did nothing to tell me where this money went or returning it

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

Complaint:
Machol&Johannes,LLConceagainillegallysharedinformationabouttheircaseagainstmewithathirdparty.

Previously,theyhadmailedinformationtomyfather.Theirresponseindicatedthattheywererequiredbylawtosendsuchmaterialstomyphysicaladdressinsteadofmymailingaddress.However,whattheysentwasjustaregularnoticeofgarnishment.TheyhadsentthemtomyPostOfficeboxpreviouslyanddidsofollowingtheincident.

Thistime,ontheafternoonofFriday,XX/XX/XXXX,theiragentknockedonthedoorofmyfather'shome,handedhimaMotionforRevivorofJudgement,andleft.Itwasnotinanenvelope.Myfatheriswillingtotestifytothisiscourt.

Moreover,I'veresearchedthecompanyandtheyhavealonghistoryofsuchtactics.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: EQUIFAX, INC.
State: OH
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:
Equifax continues to report an account that I, XXXX XXXX XXXX XXXX ( CONSUMER ) reported as Identity theft since XX/XX/2018. I sent a police report and countless letters in regards to this matter. XXXX account # XXXX is not mines Block and remove it from my consumer credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
My name is XXXX XXXX and I am a retired XXXX XXXX XXXX of XXXX  years and have been a faithful member of USAA for approximately XXXX years. I recently got re-married ( XX/XX/2021 ) and in XXXX of 2021 I applied thru the USAA website to have my wife, XXXX XXXX, added to my account as a new member. However, not realizing it, I applied using her new married name ( XXXX XXXX ) instead of using her maiden name of XXXX XXXX as that's what her Illinois drivers license was under as well as her SSN. When I hit the " Submit '' button I was prompted to call USAA as there was an issue. After speaking to a USAA XXXX, I was told to submit her drivers license and SSN card for verification. I did so and heard nothing back for a few weeks. I then called again to see if she had been verified and was told that because I had applied using her married name, that USAA was suspecting me of trying to commit fraud! I then waited until my wife 's new drivers license was issued by XXXX XXXX ( # XXXX XXXX XXXX ) with her new married name on it as well as her new SSN card ( XXXX ) with her new married name on it. I have sent both documents in to USAA XXXX times to prove who she is. We have called several times and keep getting sent to different customer service reps with nothing being resolved other than USAA still thinks that I am trying to commit fraud! I have spent well over XXXX hours on the phone with them and at one point they put me on hold and hung up on me! I have been trying since XXXX to add my wife, but to no avail. I am appalled that this process has taken so long and that as a XXXX  year member of USAA as well as a United States XXXX Veteran of XXXX years, they think I am trying to defraud them. I simply want my wife added to my account so she can start to reap the many benefits that USAA has to offer. My USAA member # is : XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: DISCOVER BANK
State: NE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XX/XX/XXXX at night, I initiated a payment from my XXXX XXXX XXXX account, realizing the fact that my autopay account ( XXXX XXXX ) doesn't have enough funds. When I submitted the payment the verbiage said, as I am submitting this payment my autopay will not happen. ( I tried to tell that to the company but they are saying did I keep a screenshot ). 

XX/XX/XXXX or XXXX, I saw they tried to pull the money from both accounts and hence had a return check fee charge from my checking account. I called both discover and my bank. Discover told me to wait till all of these gets posted and they can fix this. Bank said they have to charge this fee for returned XXXX. 

Now, today I see that they tried to get the funds again from the same account and hence got another returned check fee charged by my bank. 

1. Discover charged me XXXX returned check fees which they were kind enough to credit me. 
2. But I will have to pay the {$66.00} for a situation which I am not responsible for? 

I want the credit of {$66.00}. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-22
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
Called Equifax on XXXX, and advised that I 'm a victim of their security breach, and the inquiries on my credit report does not belong to me. Provided representative with the inquiries of : XXXX XXXX XXXX, XXXX XXXX XXXX & XXXX, XXXX XXXX Bank XXXX XXXX, XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX XXXX, XXXX XXXX XXXX. The representative told me there is nothing that can be done and hung the phone up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30
Company: Monterey Financial Services LLC
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX has assigned your account to Monterey Financial Services, for servicing. As authorized, we have set up your account for debits of {$18.00} from your bank account each month on your due date. If you have any recent changes, or anticipate any changes with your banking relationships please give us at least 2 business days notice prior to your draft date to allow for changes. If you did not authorize automatic payments we will send you a coupon book in approximately two weeks. New Account Number : XXXX Balance : XXXX Late Charges : XXXX Monthly Payment : XXXX Next Payment Due : XX/XX/2016 Amount Currently Due : XXXX Early Payoff Amount : XX/XX/2016 Early Payoff Expiration : XXXX I applied with XXXX XXXX XXXX at XXXX XXXX 's for my daughter 's car repair 's to get her ready for a long trip to Wisconsin she is in the Military, was very important to me. I found out that XXXX stopped using XXXX so I used the XXXX XXXX and I was unaware of the Company called XXXX XXXX was the institution that was in charge of collecting the payments for XXXX XXXX XXXX. XXXX XXXX owns XXXX XXXX XXXX. So when I was the charges coming through by XXXX I thought it was fraud attempt and I put a stop payment so I put a stop. Now they want to charge me double the amount owed it was a ridiculous interest rate they are charging me for this miss understanding, and they have already collected the majority amount that I had originally financed with them which is {$140.00}. I am a single mother and I am on XXXX XXXX XXXX at this time and my income is half of what I would receive if I was working. Please help me with this matter, I am willing to work with them but not by paying double what I originally financed with XXXX XXXX  XXXX. <P/>XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: Flyhomes, Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX a " cash only '' home purchase with Flyhomes Mortgage XX/XX/XXXX. Closed on a home in Texas on XX/XX/XXXX. This was a XXXX XXXX downpayment, paid closing costs and upfront payments to insurance and XXXX. The closing disclosure is attached as CD- Buyer. 

On XX/XX/XXXX we locked in a for a refi rate BASED on the loan estimate sent over. Attached as XXXX XXXX XXXX. Appraisal was to be ordered that day but did not. In fact we asked for documentation multiple times to confirm when the appraisal was ordered and promised on numerous occasions one would be sent to us, but it never has been. Appraisal was done on XX/XX/XXXX and we were told we would give a XXXX  day credit of the per diem the " cash '' loan creates due to the delay in ordering. 

We were sent an email to review and sign closing disclosures from XXXX on XXXX for the refinance where were were to put done an additional XXXX XXXX to create a XXXX XXXX conventional loan. They were incorrect on multiple levels and the lender ( XXXX XXXX ) could not explain why. I was given her supervisor ( XXXX XXXX ) and was told it would be cleared up. Days went by and no help. The supervisor said she was taking it up the chain but then went on vacation and our online dashboard pulled the closing disclosures and now listed items needed for review that XXXX already had been given. 

I tracked down another supervisor XXXX XXXX, again explained everything and was told it would be looked into and then she also went on vacation. Days went by. I sent in a message as our XXXX day rate lock was running out XX/XX/XXXX and was assured not to worry, no additional interest would be added but no actual assistance on why the loan was no closed. 

We have been receiving letters this week as to the date of XXXX XXXX loan amount needed to the sum of over {$600000.00} and in no different position then when the incorrect documents were sent to us on XXXX. There is no end in sight and neither supervisor has taken over ownership.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20
Company: DISCOVER BANK
State: NC
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Without my express written or verbal consent XXXX XXXX XXXX  altered the name listed on my account. The name on the account is incorrect. They subsequently sold the account to Discover Financial Services. This account contained the wrong information, leading to the wrong information on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2017-10-22
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
ON XXXX I CALLED XXXX XXXX XXXX CARD TO ASK ABOUT MY REQUEST FOR CREDIT INCREASE. ONLY WHEN YOU REQUEST A LINE INCREASE DOES THE CARD CONTACT THE CREDIT REPORTING AGENCIES. 
I REQUESTED A LINE INCREASE IN XXXX XXXX ALSO. AT THAT TIME I UPDATED MY NEW PHONE NUMBER WITH ALL THREE BUREAU 'S. 
MY NUMBER IS UPDATED AND CORRECT. THE NUMBER ON FILE IS THE ONE XXXX XXXX HAS AS MY HOME PHONE AS WELL : XXXX. 
I ASKED THE REP ON THE PHONE IF IT WAS APPROVED AND THEY SAID THEY TRIED TO CALL ME BUT HAVE THE WRONG NUMBER PROVIDED TO THEM BY THE CREDIT BUREAUS. I TOLD THEM THAT THE CURRENT FILE I HAD IN FRONT OF ME STATES THE RIGHT NUMBER ON FILE AND I WAS LOOKING AT THE EQUIFAX DATED XXXX/XXXX/XXXX. 
THE REPS INSISTED THE NUMBER THEY GAVE THEM IS NOT THE CURRENT ONE I HAVE ; AND SAID THAT THEY WILL NEED TO VERIFIY IDENTITY. I DID VERIFY ALL INFO WITH THEM INCLUDING BANKING INFO ALSO, RECENT PAYMENTS, ALL PERSONAL INFO. YET THE REPS INSISTED THAT THAT WAS NOT ENOUGH AND THAT I WAS WRONG ; AND THAT THE NUMBER GIVEN TO THEM FROM THE BUREAUS CAN NOT BE VERIFIED AND THEY ALSO SAID THAT THEY WILL CALL ME BACK TO VERIFY. YET THEY LIED TO ME AS THEY NEVER CALLED ME AT ALL. IN FACT THE REPS BLOCKED MY CARD AND BLOCKED THE ONLINE ACCESS AS WELL. I CALLED TO REPORT WHAT THEY DID THAT DAY AND THE SUPERVISOR REFUSED TO TROUBLE-SHOOT THE ISSUE AS I ASKED. I TOLD THEM TO CALL THE BUREAUS OR TO ALLOW ME TO SEND IN MY CURRENT COPY OF EQUIFAX WHICH 'PROVES ' MY STANCE. THEY REFUSED AND BLOCKED MY CARD ANYWAY. I ASKED THEM WHY THEY WOULD BLOCK MY CARD WHEN I PROVIDED ALL INFORMATION CORRECTLY ; AND ALSO MADE THE POINT THAT THE CREDIT CHECK ONLY APPLIED TO THE REQUEST FOR INCREASE IN CREDIT ; NOT MY XXXX XXXX CARD ITSELF. YET THE REPS REFUSED TO USE THEIR INTELLIGENCE AND LIED TO ME SEVERAL TIMES SAYING THEY WOULD CALL MY NUMBER BACK TO VERIFY. THEY ALSO ASKED FOR MY SOCIAL SECURITY NUMBER MANY TIMES ; WHICH IS NOT STANDARD PROCEDURE FOR A CLIENT TO GIVE THAT TO THEM ; BUT I DID ANYWAY AS I FELT THREATENED. I WAS TREATED WITH NO RESPECT I DO EXPECT THEM TO UNBLOCK MY CARD AS MY CARD WAS NOT CONTINGENT UPON MY PHONE NUMBER ON MY CREDIT REPORT ; I ONLY HAD THIS ISSUE OCCUR DUE TO MY REQUEST FOR CREDIT INCREASE ; OTHERWISE THERE WOULD HAVE BEEN NO NOTIFICATION AT ALL ; WHICH THEY KNOW ; BUT THEY CHOSE TO BE HOSTILE, THREATENING, AND UNPROFESSIONAL AND BLOCKED MY CARD. THEY ALSO ON, XXXX STATED THEY WILL NOT SERVICE THE ACCOUNT AT ALL NOR FURTHER SPEAK TO ME, OR TRANSFER ME TO A MANAGER AS I REQUESTED. THEY THEN HUNG UP ON ME TWICE.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30
Company: Bread Financial Holdings, Inc.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Today, right after XXXX I answered a phone call from an unknown name. It was Commenity Bank in reference to my XXXX Credit Card. I explained as I had a couple of days ago that I am out of work. They had previously offered to take my money out of my account and they read off part of my checking account number. I explained this morning I am out of work and do not have the money. The rep asked why I was past due after I had explained so I said good bye and terminated the call. The phone rang a couple of hours later from an unknown caller I.D . and I knew it was them again and did not answer it. They called again around XXXX XXXX and I answered it. I explained that I had advised them this morning I had no money and was out of work and was going to file a complaint. The complaint is for harassment. It is XXXX enough being out of work and being unable to pay, with out after having explained it, they continue to call and not even just one time a day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-20
Company: Student Loan Financial Assistance
State: OR
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In one day I have gotten 3 phone calls from a school loan reduction comp ... I have never had a loan for school ... all numbers are listed below. I get these all the time and when I ask to talk to someone with the Ref # they give me they hang up. 

XXXX ref # XXXX XXXX XXXX XXXX XXXX ref # XXXX Thank you for taking care of this issue. More needs to be done about false calls.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: Mandarich Law Group, LLP
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I received mailing from Mandarich Law Group LLP collecting on a debt for XXXX XXXX, XXXX. They stated original creditor was XXXX XXXX XXXX, XXXX. Back in XXXX XXXX XXXX XXXX CO, XXXX filed with XXXX XXXX XXXX by XXXX XXXX on behalf of company XXXX XXXX XXXX on behalf of XXXX XXXXXXXX XXXX, XXXX and a default judgment entered and was paid in full effective XX/XX/XXXX. I have sent Mandrich Law group a dispute letter as this debt was paid in full back in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: HW Holding, Inc
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
In XXXX of 2020. A customer representative from XXXX XXXX XXXX contacted via telephone and informed me that I owed a debt to The XXXX XXXX XXXX XXXX  in XXXX, Al. He said I owed {$4200.00} and that it was illegal for me to just break my lease and leave. He talked about suing for the money owed. I explained to him that I turned in a 30 days notice to the leasing manager due to an unsafe environment. He asked why I left and I explained that the US MARSHALS kicked in my neighbors door. And we found out that it was because of drug activity and they were wanted on other felonies. It was a very unsafe environment and after finding that out I could no longer have my daughter living around that. I made my concerns known to the leasing manager on several occasions. And the people were still allowed to stay in the apartment. Which they were suppose to be barred from the premises. I continued to call the leasing manager and make my worries known. The customer service rep stated how I was in the wrong and continued to bagger me. Then a month later I get a notice in the mail from XXXX XXXX that I Wanted a dispute. And they sent me a copy of my lease.

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 2022-05-02
Company: Credit Control, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Credit Control LLC at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX has been sending me collection notices in the amount of {$420.00}. I am not familiar with this company or this debt. I have not done business with, validated any debts, signed any contracts nor have I given this company my consent to report my personal information which is a violation of my rights according to 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 explanation
Consumer complaint received 2021-07-21
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have been consistent with child support in the state of XXXX XXXX XXXX XXXX County. I am making weekly payments, however, I am still having child support negatively reporting on my credit report. Every week I am making child support payments. Yet it is not showing positively on my credit report.

Company response to consumer: Closed with explanation