BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-30
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
CMRE. XXXX XXXX. {$130.00}. 
Request : Deleted permanently from my credit report. 
Status : Inaccurate account information. 
To the best of my knowledge, I was not aware of this medical collection until a refinance inquiry.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
Capital one continues to report an incorrect balance on my credit report. Account XXXX shows a balance of {$1600.00} dollars which is incorrect. Balance should be {$0.00} since account was sold to a collection agency. I have provided verification that account was sold in XX/XX/XXXX. I 've complained to the XXXX and CFPB several times and Capital one continues to ignore my complaints and offer no resolution. All I 'm asking is for the balance to be corrected. This is an old charge off from XX/XX/XXXX i do n't see why you wo n't update the correct balance to {$0.00}? If not corrected immediately I have no choice but to sue capital one.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
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:
Experian allowed creditors to pull my consumer reports without my consent. This infringed upon my right to privacy as a consumer and this has caused me financial injury.

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 2015-07-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
ATTN CFPB THIS IS NOT A DUPLICATE COMPLAINT, CAPITAL ONE HAS PROVIDED ME WITH A RESPONSE TO A COMPLAINT THAT I FILED, I THEN RESPONDED TO THIER COMPLAINT, IT IS NOW XXXX XXXX, 2015 AND I HAVE NOT HEARD BACK FROM THEM IN REGARDS TO MY RESPONSE TO THEM. SO I WOULD LIKE FOR THIS TO BE PROVIDED TO THEM IN REGARDS TO THEM FAILING TO RESPOND BACK TO ME IN THE TIME FRAME ALLOWED TO THEM ACCORDING TO THE FCRA LAWS. 

I HAVE PROVIDED CAPITAL ONE WITH ALL THE NECESSARY INFORMATION THAT THEY HAVE REQUESTED FROM ME SEVERAL TIMES, THE LAWS REQUIRES DATA FUNISHERS ( WHICH IS CAPITAL ONE ) TO HAVE BOTH XXXX % COMPLETE AND ACCURATE RECORDS AS YOU CAN SEE FROM THIER LETTER SENT TO ME, CAPITAL ONE MUST NOT HAVE ACCURATE RECORDS IN REGARDS TO THESE ALLEGED ACCOUNTS INFORMATION. AS A CONSUMER I HAVE THE LEGAL RIGHT TO REQUEST MY ACCOUNTS INFORMATION FROM CAPITAL ONE AT ANY TIME, AS LONG AS CAPITAL ONE IS CONTINUING TO PROVIDED INFORAMTION TO THE CREDIT REPORTING AGENCY 'S. 

AS CAPITAL ONE IS NO DOUBT AWARE WHAT THEY ARE DOING BY CONTINUEING TO REPORT DISPUTED INVALIDATED INFORMATION ON THESE ALLEGED ACCOUNTS IS A VIOLATION OF THE FCRA LAWS. 



I am writing in reference to the dispute the accounts referenced here in my letter ( CFPB # XXXX ; XXXX ). 
I have disputed these alleged accounts information as inaccurate with Capital One, and you have come back to me and stated you were able to VALIDATE these alleged debt. How is this possible? Under the laws of the FDCPA, I have contacted Capital One myself and have been unable to get you to legally VALIDATE these accounts in their entirety. 
I enclose copies of my requests for you to VALIDATE these alleged debts in their entirety. These alleged debts are not mine and I was given any evidence of my obligation to pay these alleged debt to Capital One. 
The FCRA requires Capital One to VALIDATE the validity of the items within 30 days. If the VALIDATION can not be verified, Capital One is obligated by law to remove these items. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I have recently attempted to correct information the Transunion credit reporting bureau has on file against my name. I have tried many times, yet seem to not make any progress, I even called and was told that Transunion is not responsible for the correct information and that the credit companies can call on my information as they see fit needing nothing but an Authorized reason. 
I sent certified letters to Transunion asking for them to launch an investigation, the most recent on XXXX XX/XX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). again they reported that the information is correct, but did not provide any details of an investigation. 
I would like for Transunion credit reporting to correct their file on me and remove the information that is not 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 non-monetary relief
Consumer complaint received 2022-04-12
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
some of the credit inquiries on my reports I dont recall like 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  I definitely don't know or recall any of these inquiries. These ruin your credit and prevents you from obtaining more credit like leases, loans, mortgages and higher limit credit cards, preventing me to live a better life or to help the economy. 
And secondly they have an applied bank card on my report for 7 years stating that I owe {$1100.00} or something. I had owed just {$490.00} and 7 years ago, so according to the law of an act of a contract in new york after 6 years the contract is over, finished and not valid, and therfore have to be removed off my credit report. So both of these situatios the credit bureaus are 100 % guilty and in violation of privacy and consumer credit laws and should be prosecuted and fined and sued to the fullest extent of the law as they continue to XXXX the residents and citizens of United States. I've disputed these things at least 2 times and they either don't respond or doesn't provide any evidence against me. Please make them remove all negatives off my reports asap thanks.

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 2016-12-25
Company: AutoMoney, Inc.
State: SC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
I have had XXXX or XXXX title loans with Auto Money in XXXX XXXX, SC. The first XXXX were paid off by another title loan company. But the next XXXX or XXXX have been renewed. About three months ago I got behind and the I was told by Auto Money in XXXX, SC to call the district manager, so I did. I spoke with him and he told me to call XXXX in XXXX XXXX to see what I could pay. I told XXXX that I could pay {$100.00} that day and the other {$370.00} in three more days. He stood right there and said OK, well the next night my daughter and I were at home and a repo company pulled in our driveway and hooked my car up. The driver told me to call the company, so I called the District Manager at that moment and he said yes, we had to take it. I had to pay about {$900.00} and some change to get it back. It took my whole check for about three or four weeks straight. I only have XXXX vehicle and they knew this. Since then I have received a new loan and the first payment was due on XX/XX/2016, well I received a right to cure letter on XX/XX/2016.That is not fair at all. This company is the most complained about company around and something has to be done about them. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Hello and thank you for taking the time to help me out, I wanted to please reach out because my checking account for my business was charged insufficient fun fees and wanted to please see if Im eligible for a courtesy waiver. This account was supposed to be closed however The Chase representatives did not give me the opportunity to do so Im not allowed for transactions to go through when they were not supposed to. I just want to bring the account current so I can close it out entirely please. And please requesting for the fees to be reversed that way I can bring the account current, thank you so much

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
I am unaware of the charges and did not authorize use I would like for these derogatory remarks removed from my credit report. 

{$1100.00} Open balance XXXX XXXX XXXXXXXX XXXX XXXX  Original creditor {$520.00} Open balance XXXX XXXX XXXX Original creditor {$280.00} Open balance XXXX XXXX XXXX XXXX XXXX  Original creditor {$130.00} Open balance XXXX XXXX XXXX Original creditor

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 2020-07-18
Company: Navient Solutions, LLC.
State: KS
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 have called and made several attempts for Navient to remove these multiple closed accounts off my report, and have been told there is nothing they can do. I only went to school  XXXX XXXX. These people are showing on my credit as a closed loan 8 different times.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05
Company: AmeriCollect
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The medical debt incurred by Americollect was done while I had health insurance and placed them under a previous bankruptcy. When informing the representative of this and that my file needs to be rechecked they informed me that they did not care and that the debt was owed. I never received notice of the debt and it was never validated and I never received a bill period, it was just continuously put on my credit for the last four years back to back with change of dates.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
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:
XX/XX/XXXX see attatched FRAUD CLAIM {$470.00} XX/XX/XXXX Confirming ( USAA policy Temporary Credits Must be made Permanet Upon Completion of Investigation. ) Date of claim was XX/XX/XXXX XX/XX/XXXX * USAA TOOK A YEAR TO COMPLETE INVESTIGATION AND MAKE TEMPORARY CREDITS PERMANET. Based on USAA Policy Above KINDLY NOTE XX/XX/XXXX STATEMENT USAA TEMPORARY OTHER CREDITS XXXX TOTAL {$2.00}, XXXX ** When?? were these {$2.00}, XXXX Temporary USAA Credits EVER MADE PERMANET AT A LATER DATE PER USAA POLICY?? * YOU KNOW AFTER WAITING OUT THE COMPLETION?? OF INVESTIGATION? LIKE THE XX/XX/XXXX FRAUD * YOU KNOW TAKING A YEAR TO COMPLETE AND BECOME PERMANET CREDITS.?? WHEN?? WHAT STATEMENT?? AFTER XX/XX/XXXX?? WERE {$2600.00} MADE PERMANET???

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Portfolio Recovery Associates has harassed me, attempted to sue me, used obscene and profane language, and attempted to collect a debt from me that did not belong to me. They also infringed upon my right to privacy as a consumer. These are all direct violations of USC 1692. Portfolio is violation of the following : 1, 1692b. ( 2 ) 2. 1692b. ( 5 ) 3. 1692c. ( 3 ) 4.1692c. ( 3 ) 5.1692d. ( 1 ) 6.1692d ( 2 ) 7. 1692j. ( a ) I have attached all exhibits as proof.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-14
Company: DISCOVER BANK
State: RI
Product: Credit card
Issue: Billing disputes

Complaint:
DISCOVERS VENDOR ; XXXX MISREPRESENTED THEIR PRODUCT AVAILABLE FOR SALE. I PAID THE XXXX BY DISCOVER CARD UP FRONT FOR THE MERCHANDISE. TWO WEEKS WENT BY SO I CALLED THEM TO ASK WHEN THEY WERE DELIVERING TO ME. THEY STATED THEY WERE WAITING FOR ME TO CALL, THEY DID NOT HAVE THE PRODUCT I NEEDED. THEY SAID THEY WOULD SUBSTITUTE ANOTHER TYPE OF MATTRESS. THAT WAS NOT ACCEPTABLE. AND, WHY DID N'T THEY CALL ME WITH THIS ISSUE. TO ME THIS IS A BAIT & SWITCH SITUATION. I WAS DISTURBED BY THEIR DECEPTIVE BUSINESS PRACTICE SO I TOLD THEM TO CANCEL THE ORDER. THEY TOLD ME THEY WOULD NOT CREDIT MY DISCOVER CARD, THEY WOULD ONLY GIVE ME A STORE CREDIT. THEY LIED TO DISCOVER AND TOLD THEM EVERYTHING I ORDERED WAS SPECIAL ORDER, WHEN IN FACT THEIR SALES GIRL TOLD ME EVERYTHING WAS IN STOCK. THEY ARE A CLEARANCE CENTER. MY HUSBAND HAS A XXXX PROBLEM AND HAS BEEN OPERATED ON ( XXXX ) TIMES. WE HAD TO GO TO ANOTHER COMPANY TO PURCHASE A BED TO CONFORM TO HIS NEEDS. DISCOVER ORIGINALLY CREDITED OUR ACCOUNT {$1200.00}. THEY THEN REVERSED THE CREDIT AND SAID THEY HAD NEW INFORMATION AND SIDED WITH THE VENDOR, ( WHAT NEW INFORMATION AND FROM WHOM? ). DISCOVER FOR A XXXX TIME CREDITED OUR ACCOUNT, ADVISED US NOT TO CHARGE ANY MORE ON THAT CARD, DISCOVERS RECORDED LINES STATED THEY SAID THEY WERE CANCELLING THE CARDS SO THE XXXX COULD NOT PUT CHARGES BACK ON OUR ACCOUNT. THEY SENT NEW CARDS AND FRAUDULENTLY STATED THIS WAS TO REPLACE LOST OR STOLEN CREDIT CARDS. THEY AGAIN REVERSED THE CREDIT OF {$1200.00} AND CHARGE IT TO THE NEW CARD. THE NEW CARDS THEY SENT HAVE NEVER BEEN ACTIVATED BY US. WE THEN PUT A COMPLAINT IN WITH THE ATTORNEY GENERALS OFFICE ON XXXX/XXXX/2015. I HAD NOT HEARD ANYTHING ABOUT THE COMPLAINT SO I CALLED THE AG OFFICE ON XXXX/XXXX/2015 IN RHODE ISLAND. I SPOKE WITH XXXX WHO INSTRUCTED ME TO THIS SITE TO PUT IN MY COMPLAINT. THIS PROCESS HAS BEEN GOING ON FOR MANY MONTHS. TO THIS DATE WE HAVE NO MERCHANDISE AND NO CREDIT FROM DISCOVER CARD.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06
Company: LoanCare, LLC
State: OH
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage got transferred to Loancare Servicing XX/XX/XXXX and since then I have had nothing but issues with this company. I set-up auto-payment through their website and when they had n't processed the XX/XX/XXXX payment on time, I called and asked what was going on. They claimed I had entered an incorrect banking account number ( which was not true ), so they could leverage a " Bad Check Reversal '' fee. I later checked the auto-payment summary on their website and the account information was correct. After a lengthy phone conversation with them, they managed to rectify the fee. However, in an attempt to avoid future issues with them holding my banking information hostage and intentionally fudging account numbers and charging me late fees and surcharges, I set-up monthly auto-payment through my banking institution. When the payment processed for XX/XX/XXXX, I went on to their website to ensure the payment went through correctly and saw that they charged me a non-descriptive {$20.00} fee that they took out of my additional principle payment. I received no notification from Loancare that they were leveraging a fee on my payment ( not even on the payment confirmation email they sent me on the payment date ). I also identified that they have the wrong home owners ' insurance carrier listed on my online account, so I do n't even know if they 're actually paying my insurance premiums through escrow. I have tried to call their customer service line 10 times in the past 2 hours and I just keep getting a busy signal. I have been paying this mortgage for over 3 years and have had no issues at all until Loancare took over the loan servicing. At best this company is a bunch of fee mongers, and at worst they 're crooks who intentionally and strategically nickel and dime people.

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 2020-03-27
Company: Experian Information Solutions Inc.
State: FL
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 have been disputing derogatory public record that is on my credit. On XXXX XXXX I opened a dispute report # XXXX with Experian, XXXX  and XXXX. Also XX/XX/XXXX report # XXXX as well as XX/XX/XXXX report # XXXX. I never received an update for report # XXXX.When i got the results for report # XXXX it stated " The company that reported the information has certified to experian that the information is accurate.This item was not changed as a result of our processing of your dispute. The company that reported this derogatory public record is XXXX XXXX.I then requested proof of verification from Experian, XXXX  and XXXX  and was told that they don't have to disclose there proof of verification with me. After so many countless attempts the last one being on XX/XX/XXXX i have not received an information or status dealing with this last attempt to resolve this derogatory public record. Please assist me with this issue.

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 2022-09-05
Company: EQUIFAX, INC.
State: MI
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 Account # XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under and end consumer credit plan as late for any purpose. 

Please Have XXXX XXXX XXXX # XXXX remove immediately because violating my rights will lead to legal liability being taken for each of these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: Risecredit, LLC
State: UT
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:
Rise Credit is reporting a loan on my credit that is not mine. I recently checked my credit and noticed a loan that I never opened. I contacted the police and filed a report because this account was open fraudulently & the case number is XXXX. I had contacted Rise to let them know that I did not open this account and someone was trying to steal my identity. They assured me that they would rid of the loan but they have not. This is not mine and it needs to be removed from my credit file. I have filed a report with Identity Theft as well. This needs to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I initiated a credit dispute with the XXXX credit reporting agencies on late payment remarks that are inaccurate. Also I did contact the creditors and they ran in investigation and sent me letters stating that I was not late. I have sent this to the credit bureaus and they refuse to do their jobs. I 'm just trying to get this rectified so I can purchase a new home for my family. I have made countless attempts and Do n't know what to do.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
My credit report contains many errors. 
I request your investigation of the following " personal information ''. 
Please see the attached photo copy of my drivers license for your reference. 
For the record : XXXX. My name is : XXXX XXXX XXXX Please remove all other name variations IMMEDIATELY as they are not accurate! 
XXXX. My current address is : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, FL XXXX Please remove all other addresses IMMEDIATELY as they are not accurate! 

Please delete these disputed items. Thirty ( 10 ) days constitutes a reasonable amount of time for investigation. Per the Fair Credit Reporting Act, send me notification that these items have been deleted, as well as an updated copy of my credit report.

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