BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I do not get paid until of each month. Beginning last month, I called Capital One and ask if there was any way that they could assist me in a payment plan, The answer was no there is nothing they can do to help me. Now I have a car financed with Capital One in which I owe about XXXX more payments until it is paid in full. Because of the lack of support that I have received as a result of paying this credit card makes me rethink my decision of ever getting a car financed or a credit card through CAPITAL ONE with the lack of support that I received. I was forced to close my accout

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: EQUIFAX, INC.
State: AR
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:
I was informed by my bank lender that I was not approved for a home equity loan because items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. 

DEPEDXXXX XXXX {$0.00} BANKRUPTCY CHAPTER 13-DISCHARGED XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
My Personal Sworn Statement & Declaration : I declare under penalty of perjury ( under the laws of the United States. if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the XXXX XXXX. XXXX. Additionally, these misstatements are punishable as perjury under XXXX XXXX XXXX. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions. I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained. I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE

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 2019-05-20
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A collection account from Convergent Outsourcing has been placed on my credit reports. It reflects XXXX XXXX XXXX is the original creditor, it states the account was placed on my credit report between XX/XX/2019, and XX/XX/2019. It shows this account was opened on XX/XX/2019. I did not open an account with either company on XX/XX/2019, and I dont have an account with XXXX XXXX XXXX and have no knowledge of this account. 

I did not receive prior information from either company prior to this being placed on my credit reports ; otherwise, I would have immediately disputed the erroneous 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 2021-11-24
Company: MRS BPO, LLC
State: MO
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:
XXXX 2016/credit report. XXXX and XX/XX/2021 Collections and Harassment have company MRS on it, but shows on the credit report as XXXX funding. Amounts are inconsistent across the board, Balance, as well as high credit. In addition to the settlement, request is higher than the amount being reported. I requested the information for the GAP coverage and requested proof of the debt, as well and they only continued to produce their collection letters and a turn in settlement invoice. Here are all the amounts that are inconsistent {$15000.00} {$9400.00} {$16000.00}. 
Including correspondence to and from them as well as how it shows on my credit report. I am also sending you proof that XXXX removed this from my report already.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card
Issue: Late fee

Complaint:
XXXX Card services was bought out by Capital One, I was never notified, my payments continued to go to XXXX, Capital One can not locate my payments, I have been charged numerous late fees d/t payments not getting to Capital One, my due date changed as well, Capital One has reported a XXXX late pay on my credit, I have contacted customer service and spoke to managers several times and they will not correct matter in the time frame I need to buy a home, I am being told it may be XXXX days before this is corrected. My statements clearly show my account current until Capital One took over in XXXX 2013. Even though I am being charged late fees, my payments were still made monthly and on time, my due date changed from the XXXX of the month to the XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-24
Company: Coinbase, Inc.
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
During XXXX, Coinbase ran a XXXX Trading Sweepstakes. To enter, existing account holders were simply required to : 1 ) Opt-in, and 2 ) Trade the equivalent of {$100.00} in crypto. Then Coinbase was supposed to send confirmation by email. I completed both requirements. Coinbase never confirmed my entry by email. So I reached out repeatedly to Coinbase Support asking them to confirm that I was entered, and Coinbase repeatedly refused. Based on my interactions with Coinbase Support, I think it's clear that this " sweepstakes '' was simply an attempt by Coinbase to generate transaction fees without actually providing anything in return for smaller traders. I wanted to submit this complaint so that hopefully Coinbase would do better by all of its customers in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22
Company: Midwest Loan Services, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I refinanced my condo. the new loan is serviced by Midwest Loan Services. 
As was my old loan. I have never been late. Until, I paid my first payment on the new mortgage. I requested they add a homeowners insurance impound so the amount of the payment changed and I made two payments. 
I was off by XXXX cents. They were nice enough to call me right before a week- end and requested my checking account info for the XXXX cents. They said bill pay pay might not be in time. They say I gave them the wrong account info and they have a have recording, I have not heard it. IF I erred, I certainly do n't know where. I read I read the numbers directly from my check. Now they are charging me a late fee. While I 'm guessing this is legal, it 's also not right. I can not afford extra payments. I 'm a single mother of a XXXX and I have no otherfamily to turn to. 
It seems to be more than unethical, if not illegal. I tried to reason with them. 
It did n't work. I would like the late fee waived without affecting my " Once in 30 years waiver of a late fee. I 'd like to save that for retirement if I can ever afford to retire. Retirement is not likely with companies like this taking every ' single dime they can get from people just because they can. 
American Greed Run Rampant

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 2022-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
XXXX University XXXX violated my rights on XX/XX/2022. 
US DOEXXXX violated my rights on XX/XX/2022. 
Dept of EducationXXXX violated my rights on XX/XX/2022. 
US Dep of ED violated my rights on XX/XX/2022. 

The viloated laws were 15 U.S.C 1681 section 602 A, 15 U.S.C 1681 Section 604 A Section 2, 15 U.S.C 1692c The Federal Trade Commission announced today that its years-long investigation into XXXX University continues to benefit consumers, as the U.S. Department of Education will forgive {$71.00} million in federal student loans for students deceived by the for-profit university, based in part on the FTC 's prior action XXXX XX/XX/2022 2022

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 2022-05-05
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
i've been a member of BBT truist for ten years, i have several accounts with them recently they changed to truist and one of the branches severely declined in service. it became predominantly XXXX and i felt prejudice when i would use that branch. one of the tellers refused to give a withdrawal of my money despite him knowing exactly who i was. consequently i became mad and told them their service was horrible. then i left. they closed my accounts months later leaving me in financial limbo with no means to pay my bills

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 2021-11-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 raised a dispute on this account and attempted to contact the company/creditors several times without success. On my credit record, this account is incorrectly reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11
Company: PNC Bank N.A.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Despite providing proof of insurance in writing that a sufficient amount ( exceeding the outstanding loan balance by {$100000.00} ) of insurance was in place on at least two occasions I continued to receive threatening letters from PNC Mortgage that unneeded insurance was going to be procured on my behalf and I would be financially responsible for its cost. After receiving an insurance policy in the mail procured by PNC Mortgage and a letter describing an increase in my monthly mortgage payment I called to try to resolve the problem. I talked to XXXX XXXX on XXXX XXXX, 2016 at approximately XXXX and was told that in fact they did have my proof on insurance on file but thought my townhome required an HOA policy in addition to the policy I had in place. I explained the HOA bylaws had changed and there was no longer going to be an HOA policy. I further explained that my policy replaced the HOA policy and covered everything that needed to be insured. XXXX responded that someone would be giving me a phone call to discuss further. She would not correct the problem. No one from PNC Mortgage has made any attempt to contact me. I have now received a new payment booklet with an increase in my monthly mortgage payment of {$210.00}. I know that these third party insurance policies are very profitable for a company like PNC Mortgage but I currently have and have always had the required insurance in place and have provided written proof on multiple occasions.

Company response to consumer: Closed
Consumer complaint received 2021-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
There has been information published on a consumer report that I never gave either company ( TransUnion, XXXX  & XXXX  ) written consent or authorization to procure or produce with my information, according to 15 USC 1681b ( 2 ). Due to the nature of this consumer report, it has defamed my character to lenders, held me back from getting my home and a host of other things. There are accounts that have been disputed several times because of this violation and the said 3 companies above sends me results stating the derogatory alleged debts are validated. According to 15 USC 1692G debt collectors are required by law to meet the five requirements to validate any alleged debt, and also I the consumer have to officially validate the alleged debt, in which I do not validate the alleged debts in question on my consumer credit report. Another violation that has come to my attention is specifically with XXXX. They violated 15 USC 1681B ( ii-iii ), stating if any information that has been deleted from a consumer 's file and is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than five business days after the reinsertion. I received no written notification that this alleged debt was reinserted into a credit file that I did not give permission to produce. Please delete the accounts below due to several violations of the law. 
The companies in question for the alleged debt are as follows : 1 ) Fair Collections & Outsourcing ( Invitation Homes ) 2 ) XXXX XXXX XXXX 3 ) Acceptance Now 4 ) XXXX XXXX, XXXX 5 ) XXXX XXXX XXXX 6 ) XXXX XXXX Adjusters ( Reinserted into Experian )

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 2021-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Failed to complete a full and investigation in regards to inaccuracies in report. Did not give permission to 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
Consumer complaint received 2021-06-01
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have a discharged bankruptcy ( XXXX ). It is reporting as a negative remark with the credit bureaus. They are also reporting that I have 28 serious delinquent accounts which are the accounts that were included in the bankruptcy. These accounts were never late. When I filed in XXXX each account was paid for the month of XXXX. I feel that this is a misrepresentation of what my credit profile is. I have repeatedly asked the bureaus to tell me which accounts were seriously delinquent and they can not. This is causing me to be denied for credit and is keeping my fico score from increasing. I have sent letter to no avail. I have not had a late payment on anything in 8 years. Please advise as to how I can resolve this situation and stop the bureaus from reporting this inaccurate information. Serious delinquency means I do not pay my bills on time and I do.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09
Company: Ad Astra Recovery Services Inc
State: LA
Product: Payday loan
Issue: Received a loan I didn't apply for

Complaint:
I have a loan on my credit report for XXXX which I never applied for. I have contacted the company & credit bureau several times to dispute this debt. I have never received any documentation in the mail with my signatures to validate this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-15
Company: DISCOVER BANK
State: IL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I transferred into XXXX University in XXXX, IL from a small college in Wisconsin after my freshman year. After realizing I did n't want to be in a small city setting, I transferred and left behind my scholarships. Unfortunately, many schools do n't hand out scholarships to transfer students and my parents were right above that line for federal aid, so I had to take out all private loans. Not realizing repayment options for federal and private loans were different, my family and I did n't think taking on a large debt sum was going to be that big of a deal. When I realized I did n't want to become a doctor anymore and was n't going to make as large of a salary things got a little scarier. So I ended college with over XXXX dollars of student loan debt. Discover student loans wanted me to pay near {$1500.00} a month, six months out of college. When I explained my situation they told me to ask my cosigners for money. When I told them XXXX was recently XXXX and put on long term XXXX and the other only made {$38000.00} a year, they told me I only had a few options. The lowest payment option was {$1100.00} a month, which is technically interest only and is only available for 6 months. I started paying this along with {$200.00} a month for federal loans, totaling {$1300.00} a month. Thankfully I got a pretty good job right out of college or I would n't be able to survive. However, I am barely surviving as it is. I have to pay rent, bills, and loan payments. In order to do so I work my full time job, babysit at least 3-4 times a week, stick to a pretty strict budget, and try to pick up side jobs here and there. While struggling, Discover proves to be less than helpful. Every time I call it 's either " too early to talk about my options '' or I need to " call back later ''. I can never get a straight answer and when I do there 's no wiggle room. Even if I paid XXXX a month to them, they told me that it would put my loans into default and they could garnish my wages. What XXXX XXXX XXXX can pay {$1600.00} a month in student loans ( federal and private ) and pay for rent, bills, and still eat? Not any that I know. Every time I try to work with them to get a lower payment plan they tell me that their agents are busy and will call back later, but I rarely get a call back, which just causes another call from me ending in a circle. My 6 months of reduced interest only are up and I 'm back to the circle calling. I do n't know what the next option is and I do n't know how much longer I will be able to survive like this on a entry level salary.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me. 


This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so i dont want no automatic computer response saying this is unathorized. I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because i will pursue litigation for false information. Now do your job now!!!! I have attached my ID and utility bill to show who i am

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