BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX data breach and may have got into the hands of the wrong person .... I have also been affected by the XXXX data breach and believe it has gotten into the wrong hands.

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 2015-09-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Transaction issue

Complaint:
The reporting constitutes an outdated demerit past the legal time limit and collection of the initial matter exceeded the California Statute of Limitations of 4 years and should be removed. 

There was a dispute regarding application of payments towards account which led to a discrepancy in the crediting of payments made, a negotiation took place and favorable results were obtained, however the company did not follow our stipulation and erroneously made incorrect payment remarks on my account. Problems occurred with customer service not be effective in resolution of the problem. I contend that I was in complete compliance with the payment terms and conditions and that all payments were made in a timely fashion. 

After a lengthy continued negotiation on the matter illegal collection continued which exceed the statute of limitations- 4 years. The debt is illegal, contains outdated demerits and must be removed as it exceeds the legal time limit. All payments were made in a timely manner and in a sufficient amount as not to be a contractual violation at a time when the contract was valid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-11
Company: The Outsource Group, Inc
State: NC
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:
After reviewing my credit report I noticed a collection item is still listed on my report although the collection company previously stated in a previous investigation with CFPB that the original creditor asked them to place the account on holding pending a financial review of the account. 
1 ) the collection company Medit Credit continues to report the debt as outstanding and continues to report to the bureau as late and outstanding

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 2022-01-06
Company: I.C. System, Inc.
State: NC
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:
On XX/XX/XXXX am XXXX XXXX account was open fraudulently. I am not aware of this account and it now has an outstanding balance of {$560.00}. It has effected me with an derogatory mark on my credit report. I reached out to XXXX XXXX and they can not locate the account and is forwarded over to a collection company I C SYSTEM on XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25
Company: Square Inc
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On or about XXXX XXXX, 2020, XXXX XXXX and XXXX XXXX transferred a total of {$610.00} to CashApp for transfer to me. They received confirmation that the money was taken from their accounts. None of the money has ever reached me. 
After trying unsuccessfully to reach CashApp by phone ( none is listed ) or email, I wrote a letter to them on XXXX XXXX, 2020, to the attention of Customer Support. I heard nothing back. I followed up with another letter on XX/XX/XXXX addressed to the Chief Financial Officer, certified mail, with copies to the CashApp lead, the General Counsel and the Chief Executive Officer. Again, I have heard nothing from them. I have copies of the correspondence to them in my files. I have not even received an acknowledgement that they are looking into the matter. 
It is now more than six months without the funds. I am suspicious that I am not the only person to be affected. 
One of my letters asked them if I was wrong about being owed the money, but no response was forthcoming. I would like them to pay over to me the {$610.00} that is due.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
On XXXX XXXX XXXX XXXX sent a settlement offer for a debt. On XXXX a request for validation of debt was sent to the debt collector. On XXXX a second request for debt validation was sent to the debt collector. Although federal law requires a 30 day response, the debt collector has yet to validate this alleged debt and now they are in violation of the FCRA and should immediately removed this unverifiable information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card
Issue: APR or interest rate

Complaint:
On XX/XX/XXXX I received a letter from Capital One regarding my concerns with my APR on my credit card account. I do not agree with the APR because it is still very expensive. I have a minimum payment that is less than the APR % which does n't do any good when I pay my bill. I have asked for a lower APR rate so that I can pay my card off in XXXX 2016. Capital One has continued to deny the decrease in the APR and my fees are the card are large which makes it hard to pay down the card. I have called Capital One several times and got the run around from different representatives. I was supposed to speak with XXXX XXXX the representative handling my case. She has called back one time and left a message. Again I have called several times and no one has addressed my concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21
Company: Credit Service of Central Washington, Inc.
State: WA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
A judgement was granted ( XXXX ) but the amount the collection agency is attempting to collect is incorrect. A check totaling the amount of {$130.00} was cashed and the balance should a lower balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
In XXXX I co-signed for a Care Credit account for a friend 's dental work with XXXX XXXX. The work was expected to take 6 months. In XXXX all dental  work was put on hold in Michigan due to Covid-19.  Dental  work resumed XX/XX/XXXX, and my friend has 3 more visits to go until her work is complete. 
During this time we never received a bill. She asked the dentist who said that happens sometimes. We assumed once the service was complete we would receive a bill and begin payments as agreed. 
Last week I checked my credit report and saw Care Credit through Synchrony Bank had reported me as 150 days late. I called them and they could not give me any information, just sent me to a collections department. I spoke to the lady there, who could not tell me how to make a payment, said I would not get a bill and just kept saying you should have called us 7 months ago. Maybe we should have, but we assumed we would get a bill when the procedure was complete. 
The account number is XXXX XXXX XXXX XXXX. The balance is {$12000.00} approximately. I want to pay my debt as we agreed, but can get no cooperation from Synchrony Bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my third attempt disputing with Equifax, XXXX and XXXX. They continue to violate my rights by including inaccurate, fraudulent accounts that do not belong to me. These accounts were opened in my name without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
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:
On my credit report it has two addresses that I never lived at. I never lived at XXXX XXXX XXXX, XXXX, Florida XXXX and I never resided at an address that has an identification number XXXX on my Experian Credit Report and I want both addresses deleted 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 2021-11-17
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I am trying ti contact Experian for a name update after having a court ordered legal name change. 

My credit is frozen and I can not talk to an actual person for the documents needed to submit it order to change the information on file.

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 2022-08-29
Company: Nationwide Recovery Systems, Ltd
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Nationwide recovery has called me multiple times trying to collect a debt. On XX/XX/2022 nationwide recovery sent me a letter in the mail attempting to collect a debt that is not mine. National wide recovery violated my consumer rights by making multiple phone calls to my telephone and sending me post cards in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01
Company: Experian Information Solutions Inc.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Unconscionable that credit bureaus charge for consumers to temporarily unfreeze an account when applying for new credit. Consumers have less and less control and protection over their data that is collected and exploited without their permission. Charging fees to temporarily lift a freeze ( the TINY bit of control offered to consumers ) is just adding insult to injury. These fees should absolutely be illegal.

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 2020-06-09
Company: U.S. BANCORP
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:
I am in receipt of your letter dated XX/XX/2020. The merchants documentation do not show that the vehicle had a non-refundable down payment. It specifically states that deposits on vehicles to hold them so that they can not be sold is not refundable. The down payment was part of the finance deal and was used in order to get a certain interest rate with the financial lender. 

In addition, I am attempting to get additional documentation for you from XXXX, but I have attached the document showing that XXXX XXXX paid XXXX and purchased back the vehicle in full nullifying the contract and at that time, according to XXXX, they were to return the down payment to us. 

I have made numerous attempts to contact XXXX XXXX, but they do not respond. 

The payment from XXXX XXXX to XXXX was on XX/XX/2020. Since XXXX XXXX received the vehicle back, they should of returned the down payment, but it has yet to be received. This is the reason that I am initiating this dispute. 

Please reprocess the dispute and note that all of the documents that were originally signed are also attached to this letter. Anything additional was forged by XXXX XXXX, or was not provided at the time of the transaction. In addition, XXXX auto neglected to properly disclose on the credit card transaction receipt or anywhere in their showroom that the amount paid on the credit card would not be refundable. 

Because of these multiple reasons, it is in violation of the Visa Guidelines, and I respectfully request that this go to arbitration or that the case be reopened and the amount refunded back to me directly from Elan Financial in this dispute. 

Feel free to call me at anytime with any additional questions. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: CITIBANK, N.A.
State: OR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX of XXXX I paid {$310.00} I was told this would bring my account balance to XXXX. XX/XX/XXXX paid {$75.00} XX/XX/XXXX paid {$100.00} XX/XX/XXXX paid {$100.00} XX/XX/XXXX paid {$50.00} XX/XX/XXXX paid {$100.00}. 
I asked for the statement back to the time of my last purchase, I only received statements back to XX/XX/XXXX. Each month I talk to a representative at Home Depot trying to resolve this.I have been charged {$400.00} in late fees XXXX In interest fees in the time between XX/XX/XXXX and XX/XX/XXXX.I have made {$420.00} in payments to Home Depot in that same time period and yet as of XX/XX/XXXX my balance remains {$340.00}. 
I have more than paid for my original purchase. Ive offered to pay an additional payment to settle my account to XXXX balance which they refused.I desperately need help resolving this account 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 monetary relief
Consumer complaint received 2020-06-09
Company: Activehours
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
I try to link my XXXX XXXX  account with XXXX XXXX and the earnin app and it will not let me link my XXXX debit card or bank account to any money service.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: The CBE Group, Inc.
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX and XXXX Credit Bureaus are reporting inaccurate information on CBE GROUP. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

CBE GROUP XXXX Balance {$1700.00} ; CBE GROUP XXXX Balance {$1800.00} ; CBE GROUP XXXX Balance {$1500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Credit card
Issue: Delinquent account

Complaint:
I am writing you as a last resort to attempt to settle a debt with your company.  Over fifteen years ago I received XXXX preapproved business credit cards XXXX  I was under the impression at the time that these cards were business cards and that the business was responsible for paying the accounts.  We maintained the accounts for 15 years, even during the lean recession years when our operating credit line was yanked out from under us from BBVACompass.  The business was forced to liquidate, but we continued to pay our accounts.  

In XX/XX/2013, my mother was XXXX and I immediately began to care for my mother XXXX  At the same time I was attempting to XXXX prepare XXXX tax returns, manage my home finances and my mother's finances.  It was also during this vulnerable time that XXXX employees took advantage of the fact I was frequently out of the office and embezzled XXXX from the company.  They were subsequently charged and we are still awaiting trial two years later.  

I left XXXX the company XXXX when the cards were issued, in XX/XX/2013.  Due to the theft, the business was forced to contract and could no longer afford my salary.  I have since learned that XXXX did not take care of the debt and I have been sued by an attorney in XXXX Alabama.  While I am currently employed XXXX, my salary has been cut severely and my savings depleted as I had to care for my mother until she died in XX/XX/2013  

The attorney that Capital One assignment the business account to has sued me personally for the debt of XXXX plus and indicates that it is a means to put pressure on me to pay the debt since the company is no insolvent.  Their exact words "if you don't lose your job, pay the bill and avoid the garnishment."

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Credit card
Issue: Other

Complaint:
For 8 weeks, I have been entering my ID and password CORRECTLY. 
But, Capital One WebSite, keeps flashing " sending to your account '' then a web page announces " We have hit a snag '' please try again later. 
This has been going on for 8 weeks on all XXXX of my accounts. 
5 weeks ago, someone from the tech department very ignorantly deleted all my security questions. The tech department would not reverse their actions. 
Three weeks ago, I entered all new questions and answers. 
Today, the same problem occurred and the tech department demanded that I change the security questions again INSTEAD of Capital One fixing the REAL PROBLEM. 
I called Capital One 's Headquarters and requested a vice-president of the credit card department but ignorantly as Capital One is ; the secretary sent me back to the very doofus customer service department. 
I WILL ONLY COMMUNICATE WITHA VICE-PRESIDENT AND NO OTHER STAFF. 
If not acceptable by Capital One, I want a {$30000.00} payment from Capital One just to have me communicate with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: Kansas Counselors, Inc.
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX. The inquiry was not authorized Kansas Counselors Inc. Date of inquiry : XX/XX/XXXX Account XXXX XXXX : {$310.00} XXXX. Please remove it from my credit report. 
XXXX. The following account is not mine Kansas Counselors Inc Account Number : XXXX Balance : {$870.00} Please remove it from my credit report., These do not belong to me. I've sent in letters requesting these be removed and have not heard any thing back. It's been 30 days since letters were sent in ( as XX/XX/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 2021-11-17
Company: BSI Financial Holdings, Inc.
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My loan was restructured over a month ago ( I was on/in the middle of a covid forbearance plan when they bought my loan from round point it took them 2 or 3 months too get to me on the restructuring ) my account still isn't updated I have different people telling me different payment amounts I had made at least 3 payments of at least XXXX ( XXXX ) before the restructure she told me it would be applied after the restructure which should have been done in early XXXX she said the amount I have from these payments is only XXXX where did the rest of the money go? I have been trying to get ahold of my " point of contact '' for awhile with no luck doesn't return calls or answer emails same with her boss I spent over 2 hrs on hold the other day trying to get threw to anyone to see what's going on with my mortgage and how much I need to pay it has been a nightmare since they got my mortgage now I'm afraid my mortgage is going to be late because I can't talk to anyone and I'm not sure where the rest of my payments went I have read reviews and nothing good I can see you guys already had a lawsuit with them for something similar

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
When I request my credit report via XXXX, everything works fine for XXXX XXXX and XXXX. However, when I submit a request to Equifax, I get the message : " Online Delivery Unavailable We are not able to deliver your free Equifax Annual Credit report online. '' This has happened on XXXX XXXX, XXXX and again on XXXX XXXX, XXXX. I suspect they are using this as a way to avoid their legal responsibility to provide the credit report free of charge to consumers. Most consumers will not bother to send a mail request. I 've got no way to determine if this is true or not, but it would be instructive to learn if the number of Equifax reports issued differs signficantly from the other XXXX bureaus.

Company response to consumer: Closed with non-monetary relief