BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I noticed that both credit cards what use to be a fixed interest credit card from Capital One Bank changed to a variable rate card my interest rate went up from 17 % on the Mastercard to over 20 % and the Visa Card went up from 17 % to over 18 %. I have never missed a payment nor have I been late with a payment matter fact I have always paid more that the listed minimum payment. The Mastercard was through XXXX but Capital One Bank bought them both. I called them on Saturday the XXXX of XXXX 2017 and that 's when I was informed that my cards were variable rates of interest. I have n't received anything stating that my cards were variable they could have called me on the phone ( they do have that on file ) mailed me ( which all I get is statements ) or emailed me but nothing at all was sent to me on this issue. I do have the emails sent to me telling me that my payment is due and when I pay it online I get a email from them telling me that my payment has posted. Capitol One Bank most likely close my account over this or raise my interest rates over this complaint but they will just lose a customer for ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18
Company: EQUIFAX, INC.
State: MT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I had a credit card with my ex-husband as co-applicant. When we divorced, he was taken off the card and the credit card company reduced the credit limit dramatically. On my credit report it lists the " High Credit '' as {$14000.00}. The current credit limit on the account is {$8000.00}. I do n't remember ever having a balance of {$14000.00} on the card. Is that the earlier credit limit when there were XXXX of us? Is this something that should be ( or can be ) corrected on the report? Does it affect my credit?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: Remitly, Inc.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I sent a bank deposit transfer, XX/XX/XXXX for {$2500.00} from my debt card using Remitly. The status is stating completed, but the recipient hasn't received the funds in their bank account. 
I contacted the XXXX XXXX  who has confirmed the money has not been transferred. I have a copy of the bank account statement that further indicates the money has not been transferred. 
Each time I contact Remitly customer service Im given different version of events, different resolution protocols, false promises of emails, calls etc. Additionally I keep getting an arrival time email when the funds have not arrived. 

Transfer No : XXXX XXXX XXXX XXXX Recipient XXXX XXXX XXXX XXXX  Recipient phone XXXX XXXX XXXX XXXX Bank XXXX XXXX  Recipient Account Number XXXX Sent- XX/XX/2021 Express Senders Name- XXXX XXXX XXXX XXXX Number XXXX Senders personal email XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: Lima One Capital, LLC
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I got an alleged loan through Lima One Capital. The total loan was for {$100000.00}. They only gave me {$12000.00}. They kept the rest. They are trying to foreclose on my home. I need help from the CFPB to protect myself from Lima One Capital because I've been a victim of predatory lending. I paid them the twelve thousand they supposedly loaned me, and they already got the credits on the private side

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Equifax, XXXX  and XXXX  is currently reporting a charge off for XXXX. I have disputed this several times asking for verification. They just send me a letter stating its verified. I have asked for Method of verification and received nothing but the same letters over and over again. Since they have not provided proper verification, and can not seem to provide me with names, addresses and details of the method of verification then this should be removed from my report immediately. I have given them a significant amount of time to provide such information. I have sent more than 4 letters in regards to this account and have received nothing but a standard " its verified '' letter in return. By law, I am entitled to the details of method of verification, therefore they are violating my rights. 
They are also reporting this has a balance, is a closed but revolving account and every month reporting late payments which is also incorrect reporting. Again, due to this additional information it should be permanently removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29
Company: FIRST HORIZON BANK
State: AZ
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I call up to make a payment usually day before or the day of. They refuse to take my payment from me. They call me back the day after ( so its now late ) and tell me to pay the late fee. as I refuse to pay it, they then proceed to call me while im at work at least XXXX to 15 times per day until I pay it. I have gave this company so much money in late fees because they refuse to take my payment early. I am then harassed every day until the payment is made and then made to pay a late fee. This is not right and is unacceptable

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-08
Company: CCS Financial Services, Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a letter from Credit Collection Services about a debt that I do not owe. I sent them a letter disputing this alleged debt, so far they have not responded back.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-12
Company: FORD MOTOR CREDIT CO.
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I financed a vehicle through Ford Motor Credit in XX/XX/XXXX. At the time I was making {$50.00} an hour and paying for my loan was not a problem. I became totally XXXX and got behind on my payments and I am nearing the end of my contract. I receive Social Security and XXXX XXXX payments which is my only income. I contacted Ford Motor Credit in XX/XX/XXXX and made a {$900.00} payment and advised the nice lady that I would pay at least that monthly in order to satisfy the loan. She told me that a person from her retail department would contact me and try to assist me to get back on tract. Instead I get a call from a very rude man from their collections department demanding that I pay the total past due or I would need to surrender the vehicle. I told him several times that I did not have that kind of money and my vehicle is my only means to get back and forth to my numerous doctors appointments. He became very arrogant and told me that if my house payment was behind that they would foreclose on my house, which my mortgage company has been very understanding and I am current on my payment. He told me to call back to speak with him, but I refuse to talk to such an arrogant person that has no business in Customer Service. He got upset with me because I was using my cell phone to which I explained was my only means of communication. My home address is in XXXX but I am in XXXX undergoing medical treatment for my disease. I am XXXX most of the time and have a hard time speaking on the phone. I have sent emails to the executive offices of Ford Motor Credit, the XXXX to no avail. I tried using the secure email system through Ford Motor Credit but the response is always that I need to call and they are unable to help me through email. Maybe they do not understand that I am trying to pay them money and they do not have to be arrogant and demeaning towards their customers that pay their wages. While my account was past due I would get at least XXXX calls a day on my cell phone telling me to call Ford Motor Credit. As I stated above I have difficulty communicating at times due to my illness but no one cares. I just want to pay off the vehicle. I have paid around XXXX thus far for this vehicle with financing and they want to take it when I am so close to paying it off. I am putting half my Social Security into paying the vehicle off. I do not want anything free, just some empathy and understanding in my situation. I have been in XXXX about 45 years and have never treated a person as such, let alone a XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I've been trying to get into my online banking over a month so I'm not about to see the details about all these unauthorized transactions that the bank say I'm responsible for as well as a lot of the transactions they say they are dated back too far and can not be investigated I've been having trouble with this account since last year I've been with SunTrust now Truist

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 2022-07-12
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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts which do not belong to me or were opened without my permission. 

" XXXX XXXX Balance : {$620.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX CREDIT XXXX Balance : {$110.00}, XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$570.00} " According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-07-12
Company: Experian Information Solutions Inc.
State: MD
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : DEPTEDXXXX XXXX Balance : {$1500.00} DEPTEDXXXX  XXXX Balance : {$1600.00} DEPTEDXXXX XXXX Balance : {$1700.00} DEPTEDXXXX  XXXX Balance : {$2600.00} DEPTEXXXX XXXX Balance : {$2100.00} DEPTEDXXXX  XXXX Balance : {$2100.00} DEPTEDXXXX XXXX Balance : {$1200.00} XXXX XXXXXXXX XXXX Balance : {$8700.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00}

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 explanation
Consumer complaint received 2021-08-26
Company: CREDIT ACCEPTANCE CORPORATION
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
My account with credit acceptance is fraud! I don't have any reqalection of this account!

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 2022-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
to remove wrong addresses ' from credit report, XXXX XXXX XXXX XXXX, or and also the XXXX XXXX XXXX XXXX, or i have never lived at those places.

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 2020-10-28
Company: EQUIFAX, INC.
State: AL
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: Investigation took more than 30 days

Complaint:
In XX/XX/2020, I filed a dispute with this credit bureau about the unverified account : XXXX XXXX  account # s XXXX, XXXX. In those 2 months I have asked numerous times for a response and I have not received anything in response from these bureaus in over 30 days for request of a complete investigation. 
So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this bureau about these three unverified collection accounts as of today. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: Experian Information Solutions Inc.
State: MD
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:
Hello, my credit report is displaying unverifiable and inaccurate information I am going through severe anxiety trying to get the issue resolved as I wait for a response. I am sure with your help and the integrity of XXXX, Experian, and XXXX we can get this handled quickly. But I mailed letter to them a month ago and I haven't received a response and they haven't yet complied with my request. I'm not even sure if they opened an investigation. Please help. Thank you.

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 2022-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Hello, my credit report is displaying unverifiable and inaccurate information I am going through severe anxiety trying to get the issue resolved as I wait for a response. I am sure with your help and the integrity of XXXX, XXXX, and Transunion we can get this handled quickly. But I mailed letter to them a month ago and I haven't received a response and they haven't yet complied with my request. I'm not even sure if they opened an investigation. Please help. Thank you.

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 2020-03-08
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I open up this PayPal account as a friend who was owning me money ask me to, after he paid me, he them go an report the transaction but the case was role in my favor, so before that, my cousin was to do some paper work for me, as am moving from XXXX to XXXX, so I let him link his bank account to the PayPal account that my friend paid me on, when I tried to transfer the funds, PayPal wont let me, we have been going on and on with this, they ask me for documents and I provided and first the said 48 hours and another 48 hours and now, I receive an email saying my account has been permanently limited. Let them just let me get my money out. That all

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-20
Company: Gatestone & Co. International Inc.
State: TX
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:
Gatestone & Co. International, Inc . 
XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, DE XXXX This company took over collections of my XXXX XXXX account at some point. They contacted my employer, my daughter, and my husband. Most likely, they contacted my son as well, and I have an open credit card fraud case against him in my county. I certainly did not need him knowing any of my business as he and his current wife have stolen my Social Security number, accessed my medical records without my permission, hacked into my email, and created the credit card fraud mess I am now having to deal with. They claim to be XXXX XXXX when they call. They called my husband twice before he told them they could not call him as he is not on the account. I work 18 hour days as my husband is XXXX  and do not have time to talk for hours on the phone with anyone. I can, however, email or do an online chat. For some reason, XXXX XXXX took my account back for collections and I have worked out a plan with them to repay the full amount. I felt the need to report XXXX as they are vicious and are violating the Fair Debt Collection Practices Act. These people are not kind in any way and they make it worse for those of us already going through a nightmare. Please stop them from damaging anyone else.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-15
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Collection account outstanding balance, creditor XXXX XXXX XXXX U-Verse for {$1100.00}. 
Account # XXXX for service at XXXX XXXX. Never lived there, not my account. 
My name is XXXX XXXX XXXX and this is effecting my credit score. Called XXXX XXXX XXXX, they said they ca n't take off credit info. Called XXXX collection, they no longer have account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-07
Company: WELLS FARGO & COMPANY
State: NC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
In 2006 I had A auto loan with wells fargo and the car got stolen and the insurance company paid the car off but wells fargo started reporting a balance to equifax and now 10 years later XXXX is still reporting this ( A BANKRUPTCY ONLY STAY ON YOUR REPORT FOR 7 YEARS ) but this show you how big banks control credit reporting agencies

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Hello. A few months ago I tried opening a new checking account at my bank but was denied due to an item for collections that I was unaware of and has been negatively impacting my credit score for the last 5 years. Apparently a company named XXXX XXXX is claiming I owe {$500.00} on an old account that hasn't been used since XXXX. However, I distinctly remember paying all of the bills in full for the TV/internet service that was provided to me. There was a situation about a year into the contract where the XXXX XXXX service we were paying for stopped working completely. I called the company multiple times to inform them that my XXXX XXXX was no longer working, and every time they told me somebody would be showing up to fix it- which never happened. I would like for this issue to be resolved and for this item for collections to be removed from 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 non-monetary relief
Consumer complaint received 2016-12-20
Company: Modern Adjustment Bureau
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
XXXX XXXX XXXX XXXX shared my personal information with a third party without my written or verbal consent. They are in violation of HIPPA law. The debt collector is disclosing incorrect information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-30
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I signed docs with Wells Fargo that stated my XXXX payment was XXXX XXXX XX/XX/2015 our Note with XXXX also shows XXXX payment XXXX XXXX. We closed our loan on XXXX XXXX, XX/XX/2015. We received a bill stating our XXXX payment was due on XXXX XXXX. I called Wells XXXX XXXX and they apologized and said they would fix the issue but it would take XXXX weeks and would be done by XXXX XXXX. I have called today and it is still not fixed. They are going to charge me a late fee and ding my credit for their mistake! Please help CFPB.

Company response to consumer: Closed with explanation