BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I just recently started monitoring my credit when I noticed tha t Portfolio Recovery is   on my report several times. I had no knowledge of any of these debts, nor did I receive anything from them in writing until after I disputed with the credit bureaus and asked them to send me the documentation that validates this debt. Neither the bureaus or the collection agency have validated these debts ; however, they refused to remove them. They have  XXXX  different accounts on my report that they have failed to validate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-04
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
TD auto reposessed my car, sold it in auction and I paid the difference. Was told that this account will now be deleted from my report due to full settlement however, TD auto reporting this account on my credit report as an active reposession account with outstanding balance and I still keep getting harassing called with attempt to collect debt from my on this paid in full and setteled account. 
TD AUTO FINANCE Account number XXXX .... 
Recent balance {$6800.00} as of XXXX/XXXX/XXXX Date opened XX/XX/XXXX XXXX Account charged off. {$6400.00} written off. {$6800.00} past due as of XXXX XXXX. 
In dispute cart XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX Address identification number XXXX Type Auto Loan Terms 72 Months On record until XXXX XXXX Credit limit or original amount {$27000.00} High balance $ 0 Monthly payment {$0.00} Recent payment amount {$500.00} Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Reinvestigation information This item was updated from our processing of your dispute in XXXX XXXX. 

my numerous attempts to communicate with TD auto went ignored ... i recently received a letter from them stating they are not a debt collector but that I still do owe them on this account because of the purchase note i have signed ... when i questioned the funds from the auction sale of the car and what i paid to them i was told by TD auto that there was no record of payment of any kind which is why they are still collecting from me .... where did the money go and why do i have to pay twice or be harrassed to pay for the account i have previously settled ... is n't this illegal? ....

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22
Company: HW Holding, Inc
State: CO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I am requesting verification of the validation of the electric bill statement showing proof of these charges trying to be collected. I still do not agree with owing anything as I turned off electric and water when I left and paid what was owed to the actual companies. I was informed to try to obtain and not just a statement from the apartment complex stating I owe for. I would also like to know when was the unit re rented to another tenant

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
My bank refused my check to an account that is from my bank. No one seems to understand what happened.Capitol One manages my XXXX Account.It is identified as a Capitol One Account, I called them to find out what happened and no one could explain. I was on the phone for an houreventually they wanted to do a conference call but the person was out to lunch. 
Then I was told to call back again. XXXX hours on the phone and no solution. 

The account is marked Advised. 

A report was made to credit sources and XXXX sent me a letter to advise that they had sent it to credit agencies.???? 
This is the letter that was sent to me online from the bank private mail.. 
Your payment to XXXX XXXX XXXX for {$290.00} on XXXX/XXXX/2015 wasrefused by the payee. This payee would not speak to a XXXX partyregarding the reason for the returned payment for the security of youraccount. 

We are in the process of issuing a refund to your checking account withCapital One. Please allow XXXX business days for refund to be applied ( excluding weekends and holidays ). 

We apologize for any inconvenience this may have caused. 

Thank you for banking online with Capital One, we appreciate yourbusiness and the opportunity to serve you. 

Regards, XXXXCapital One Online BankingI talked to XXXX XXXX but not to them and the bank and they said systems error maybe? What is this all about. If the bank has a relationship which is shown to be Capitol One, how can it not honor my check? 
Please advise. 


XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
Company: EQUIFAX, INC.
State: GA
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:
So, I Sent a letter off on XX/XX/2022. To remove personal information that I do not want on my credit report. According to the fair credit reporting act 15 U.S.C. 1681. I have the right to privacy. Also, according to 15 U.S.C. 6802. No financial institution is not supposed to share my information to third party people.

These are clear violations of my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24
Company: JPMORGAN CHASE & CO.
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I moved XXXX XX/XX/XXXX and lost my renters in my house in Virginia with mortgage held by Chase bank. I stopped payments XX/XX/XXXX and the foreclosure did not go through until XX/XX/XXXX. I 'd like to claim unfair damage due to the long time frame for foreclosure and have the foreclosure removed from my credit history at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Issue: Other

Complaint:
I have had a secured card with XXXX XXXX for almost a year now trying to rebuild my credit and have paid it off on a monthly basis with no issues. It has always been my impression that you have a 30 day grace period after your statement date with a credit card. I recently decided to get a new credit card with a {$1000.00} limit from Capitol One who would n't stop sending me offers in the mail. This particular offer said 0 % interest for 9 months and I also remember seeing this on the info when I received the card. I received my first statement showing a balance of {$320.00} on it, just over the 30 % mark that I try to shoot for. After about 3 days I paid {$320.00} dollars on it thinking I will pay a small amount of interest on the remaining {$5.00} once my next statement hits ( which I heard will help your credit even more ). Once he next months statement drops I see that because I left a whopping XXXX $ on there and did n't pay it off in full they decided I did n't get a XXXX grace period and so I did n't only pay interest on the XXXX $ but I also paid interest on the full {$320.00} for the few days I had that balance after my last statement dropped. The biggest problem is that they have a financial term for this it is called residual interest and it is a ridiculous sales practice so now I am stuck with this credit card that has 25 % interest ( ridiculous in the first place should be XXXX ) and I feel like I have to pay off in full the day after my statement drops.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Name of Creditor : CREDIT COLLECTION SERVIC Address : XXXX XXXX XXXX XXXX, XXXX XXXX : XXXX, MA XXXX Re : Progressive Insurance Company Amount : {$390.00} Dear Sir or Madam, I am disputing the validity of the debt referred to above. I am not aware of the account number and you have not informed me of the existence of this account. 

I am willing to pay this account IN FULL ( or a settlement percentage, whichever is feasible ) if you agree to immediately delete the account from the credit reporting agencies ( namely XXXX, XXXX and XXXX ) that you have reported to, and validated this account. My sole purpose is to get this item removed from my file. This letter should not be interpreted as recognition of the debt or acknowledgment of liability for the debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14
Company: EQUIFAX, 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:
On XX/XX/2021, I disputed some inquiries on my report, and I received an illegal computerized letter dated XX/XX/2021, from the credit bureau in which they stated, 1 ) an explanation of what an inquiry was, 2 ) told me they MAY investigate and 3 ) if they chose to investigate, they listed the investigation procedure then proceeded to tell me to contact the publishing company. 

According to the law and my request, my letter to them asked them to please verify the debt as required by the Fair Debt Collection Practices Act. The law requires that the bureau be able to furnish who, what when and why as proof of a debt or correct information they are choosing to publish on their platform. 

I asked the credit bureau for proof of such information being verified and validated as something I did, since they were opting to publish the information on the platform. I didn't ask them for information on what an inquiry is or how an investigation is contacted but for them to investigate the inquiries and delete the information if they couldnt furnish accurate proof, I initiated them or show me proof of their findings to be able to report such inaccurate information as accurate. 

Because they did not do that what is required by law, they are now in violation The Fair Credit Reporting Act ( FCRA ) that states, if inaccurate information is discovered in a file, the consumer reporting agency must examine the disputed information. If the inaccurate information can not be verified, the consumer reporting agency has a responsibility to remove it. 

These inquiries need to be removed as they have NOT been verified or validated as being accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21
Company: WELLS FARGO & COMPANY
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
The deposit amount one was {$990.00} the second was {$900.00} the deposit date is XXXX/XXXX/XXXX via moble banking. I 've contacted the corporate office and no accurate reasoning or solution. Please help me get answers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: EQUIFAX, 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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXXEquifaxXXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX  XXXX XXXX Balance Owed : {$19000.00} XXXX XXXX XXXX XXXX Balance Owed : {$740.00} EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$19000.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed : {$740.00} XXXX : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX XXXX XXXX Balance Owed : {$19000.00} XXXX XXXX XXXX XXXX Balance Owed : {$740.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-05
Company: First National Collection Bureau, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I keep receives a letter from First National Collection Bureau , Inc. for debt collect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card
Issue: Transaction issue

Complaint:
I placed an order with XXXX XXXX on XXXX/XXXX/XX/XX/2015 for {$180.00} and they sent the wrong item. I wrong item. I returned the item for the correct item. 
They never contacted me, so I called them and theythey said they did n't know what to do. So they said they would send thereplacement right out. I waited and nothing. I called again and they said theythe item was on back order. I told them I no longer wanted the item, because it was now XXXX XXXX. They agreed to give me a refund andemailed this in writing. I had done a chargeback on my credit cardbefore I received this email, and advised the vendor this is what I haddone. I responded to the credit card companies letter and sent a copyof the email to them. They then recharged my credit card. I now ampaying {$180.00} for merchandise I never received with a writtenagreement, as proof from the vendor. I want a full refund. 
I placed my order on XXXX/XXXX/XXXX and it is now XXXX/XXXXXX/XX/2015 and I would like thisresolved. I do not believe I should have to pay for something I neverreceived.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card
Issue: Overlimit fee

Complaint:
My daughter ordered some underwear using my credit card. For some reason XXXX has been charging my credit card XXXX every month there after. My credit card is now max because I always just pay it. My daughter swears she never authorized a month amount. She is only XXXX. Now I ca n't get my money back and I have paid XXXX on the XXXX of every month for nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This same debt has been placed on my credit since 2013, this is incorrect and needs to be removed as it is preventing me from buying a home.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I deposited about {$3000.00} MO checks to my Capital One 360 checking account over the weekend. Yesterday, XXXX/XXXX/2015, I received an email wanting me to call XXXX and stated if I do n't, Capital One may close my account. I called immediately, waited on the line for over XXXX minutes, listening to music and no one came. Finally, I hung up and called again. Same results. Today, XXXX, I called right at XXXX when they open but still the same results : waiting, listing to the music and no one I was able to talk to. Please help. I need access to my deposited money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
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:
My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my credit file, incorrect informations was found in my reports. The XXXX, XXXX and Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : ( Inaccurate Name : XXXX XXXX ; Inaccurate Address : XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, AR XXXX XXXX Late Closed : XXXX XXXX Balance : {$0.00} ; Charge off : XXXX XXXX XXXX XXXX Balance : {$370.00} ; XXXX XXXX XXXX XXXX Balance : {$600.00} XXXX XXXX XXXX XXXX Balance : {$420.00} ; Collection : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1300.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$280.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$200.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX : {$1400.00} ; XXXX XXXXL ( XXXX XXXX : XXXX XXXX XXXX ) XXXX Balance : {$1100.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1200.00} ; Inquiries Included In Dispute : XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXXXXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX  XXXXXXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXXXXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry XXXX XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXXnquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26
Company: HOVG, LLC
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I recieved a notice that a medical bill ( wrongfully ) went to Bay Area collection agency. I contacted the collection agency as per the notice. The person I spoke to was rude and tried to push me into making a payment right then and there. When I explained my situation ( grieving the bill with my insurance company ) he tried to make it sound like I was refusing to resolve the debt because I was not going to make a payment that very day. I asked him about a payment plan and was told the amount of money I could afford ( {$50.00} per month ) was insufficient and that if I did not pay it off in 4 - 6 months ( {$1000.00} per month ), they would send it to further collections and possibly onto my credit report regardless of being on a payment plan. I did not make a payment that day because I wanted to call the billing department and my insurance to determine what was going on. I recieved 6 more calls from them over the course of two weeks. Each time thay I answered, I said I could pay {$50.00} per month and was told again that it was not enough and that I needed to " look at it from the business aspect ''. They did offer a {$600.00} discount if I paid in full, but I can not afford to pay {$5500.00} in full. I finally managed to get on a payment plan for {$50.00} per month under their terms that it was auto debited every month, but was told that this payment plan would only last through XX/XX/XXXX ( 6 months ) before they send it into further collections which could possibly hurt my credit score. Calling 6 times over the course of 2 weeks ( two of those calls in a matter of a few hours ) is completely unnecessary and embarassing when I am having these conversations infront of my family members, especially considering I have been trying to do what I can afford to resolve this debt and every time have been told " you are clearly not interested in fixing this problem. '' I am a mother of two who accumulated this debt from an XXXX XXXX that quite possibly saved my life. I am a real person with real responsibilities trying to make ends meet and do not appreciate being told that what I can afford is not enough and I do not appreciate being harassed when I am clearly trying to fix this problem with what I have. Luckily, I am a XXXX and off for XXXX, otherwise these calls would have been recieved infront of my students and collegues.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation