BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
on XX/XX/22 I called capital one requesting a credit for all the late fees applied to my account in order to bring my balance up to date ; they said they were only doing one time courtesy fee waiver of {$40.00} but they couldnt do anything else. 
consequently in order to avoid continuing getting {$40.00} late fee and increase my debt with capital one I decided to make a loan to pay the card in full. 
on XX/XX/22 I called capital one once again, requested to speak to a supervisor directly to request once again a total of {$130.00} credit back to my account ( all late fees ) in order to pay what was fair and pay the credit card in full to avoid any further charges and pay more money in addition to interest and my debt. Once again I was denied the credit, i asked the total balance to pay the card in full in order to avoid more surprises on fees ; the same night i made a loan for the exact amount she told me in order to pay it which I did first thing on XX/XX/22 after several days on XX/XX/22 i realized there was a balance of {$32.00} so i called capital one, requested to speak to a supervisor to inquire about the balance and she said the balance was the interest accurate for the amount that was due when i paid the card in full. i requested for her to look at the notes of my previous call on XX/XX/22 when i specifically called about paying the card in full to avoid more surprises and extra fees ; she said there were no notes about that call. after requesting to speak her supervisor to listen to that particular call on XX/XX/22 she said that there were no one else above her, that it was not possible to hear the call and she was taking the formal complaint but there was no one else that could do anything about it. she even said that theres a special statement they must read to customer when making a payment in full ( pay off the card ) which i specifically told her that the supervisor that i talked on XX/XX/22 didnt mention or said anything about it therefore it was important to listen to my conversation with her because she didnt say anything about any possible additional fees. 
after several requests with the supervisor to listen the conversation and transfer the call to someone else to file a complaint she said theres nothing else i can do and then the call was ended. 
i want capital one to listen to my conversation with the supervisor on XX/XX/22 and the second supervisor i talked early on XXXX after charges applied on my account and also want the credit of {$32.00} for my balance to show {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: CNG FINANCIAL CORPORATION
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
Ive received a Pay Day loan with Check n Go in XXXX for {$300.00} and Ive received a call XX/XX/XXXX from representative who states this is considered fraud and if I dont pay the debt or give my bank information theyre serving me with a warrant for my arrest. The representative also requested a portion of the payment in order to stop a warrant from being served at my place of employment or home. I advised the rep I never received any documents regarding this issue and they advised it was sent to an old address but its my responsibility. Im really scared to give my bank info but Im also scared to be arrested for a {$300.00} payday loan that is now {$1400.00}. Is it legal for the threats and harsh calls with representative yelling at me?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: Bubba Hill Auto Plaza Inc
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I XXXX XXXX am submitting this request again due to then on response of my inquiries. Since XX/XX/2023 I have asked Bubba Hill Auto to provide me with original documents of this loan, they refuse. In their response to my last complaint they whole heartedly said they had no issue getting this documents to me but have yet to do so. I want original signed documents emailed to my email address to which I have emailed and employee XXXX numerous times. They by law have to prove this debt/repossession is legally mine, and they refuse to do so because they state these documents are locked in a storage unit. I have asked for these documents since XX/XX/2023 and yet as of XX/XX/2023 no documents have been provided.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: EQUIFAX, INC.
State: NJ
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've been attempting to remove these dismissed bankruptcies from my credit report for well over a year and a half. The bureaus are reporting bankruptcies on my credit report that were never discharged and yet even after showing proofs that they were dismissed, the bureaus are still reporting this information on my report, purposely hindering my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I sent out a letter to Experian and XXXX on XX/XX/XXXX. My current Experian credit file is showing a XXXX Account # XXXX as a 1 ) Negative payment status, 2 ) Charge Off for XX/XX/XXXX, 3 ) Worst Delinquency as a Charge Off, and 4 ) Late payments since XXXX. 

After speaking with the IRS, they define a charge off as ORDINARY AND TAXABLE INCOME which is reported as such on tax returns. ANY amount over {$600.00} they are required to send a 1099c. INCOME IS NOT REPORTED ON CONSUMER REPORTS. And according to Responsibilities of furnishers of information to consumer reporting agencies, a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Also from Experian 's publication on XX/XX/XXXX, they STATE loud and clear that INCOME IS NOT INCLUDED in a consumer report. XXXX and Experian has failed to resolve this issue and continue to report inaccurately in clear violation. Because of reporting inaccurately, this account should be removed from my credit report entirely. 

The status of this account should not be negative or a debt anywhere on the account, or a late payment. Instead, THE STATUS OF THIS ACCOUNT IS INCOME. Which is not included on a consumer report and should be removed immediately. I am attaching the letter sent with certified mail 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 explanation
Consumer complaint received 2023-05-23
Company: FIRST HORIZON BANK
State: OR
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
During the pandemic we were forced to shut down our small family owned business which resulted in us taking a forbearance on our mortgage on our house. Prior to that we were in good standing on our loan and always paid on time. After the forbearance period we were told we qualified for a modification of our loan which we began in XX/XX/2021. We have uploaded requested documents XXXX times to their portal plus had documents sent from our accountant 's office and physically sent the documents in XXXX  times. 

Now in mitigation meetings we had additional requirements of XXXX more document requests, all of which were duplicates to try to satisfy the underwriter. Along with this we have made more than XXXX calls that we placed to First Horizon asking the status of our modification only to be told it was " in process. '' First Horizon has been unorganized, unhelpful, difficult to work with staff who answered phones didn't know what the hold up was, and were constantly asking for the same information, saying information wasn't available when it was clearly there on their portal, and have drug this out for the past XXXX  months. During this time, we have accrued over XXXX dollars owed to First Horizon for past due mortgage payments including interest, property taxes, and insurance. 


XXXX ) They told us we qualified in writing that we qualified for a modification which is why we filled out the packet. XXXX ) If we didn't qualify why weren't we told back in XX/XX/2021. XXXX ) We kept getting asked for more documentation which led us to believe that we qualified and it was just a matter of needing more paperwork. Now we feel like they are trying to force us out of our home and because of them delaying us, we now can't get refinanced and the interest rates have gone up considerably since we started this process. 


Kind Regards, XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2023-04-05
Company: Southwest Credit Systems, L.P.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XX/XX/2019 I was a victim of identity theft. Accounts were opened up in my name at XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX ( how I do not know since I would expect this to have required some identification ). I received a XXXX alert and followed-up with each merchant to alert them of the fraud. I spent hours on the phone with each of them and thought I had this resolved ( submitted various paperwork if requested, some were far easier to deal with than others ). Apparently the fraudulent account at XXXX was referred to a debt collector and continues to show up negatively on my credit report, three distinct times. I have responded in writing and over the phone but have never been successful in having this removed. Southwest Credit Systems refers me to XXXX which refers me back to XXXX in a viscous cycle.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: EQUIFAX, INC.
State: NJ
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'm a victim of identity theft. I've been attempting to recover the damage and resolve the issues on my credit report by calling, faxing, and uploading the required documentations to the bureaus as requested by their agents. But the issue is that the website never completely lets me finish the account setup with usual errors ( ie " failed security check '' or " site error, try again '' ) on multiple occasions. Contacting IT department of the bureaus lead to nothing as the agent would " open a ticket '' and no resolution was reached. When the site actually does let me make an account, I can't submit any disputes due to further glitches and contacting IT again leads to nowhere. Last option remains to call their representatives and proceed to dispute through that but when I do call, the reps are too lazy to even properly initiate any disputes. FTC and police report numbers are not taken over the phone and are asked to mail instead. Even after mailing the said documentations over and over again via certified mail and having proofs that the bureau received it, the agents keep denying the receipt and keep hindering my attempts to fix any and all attempts to resolve this drastic information leaks on the bureaus end.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
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: Account status incorrect

Complaint:
Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX {$8300.00} XXXX XXXX {$84.00} XXXXXXXXC XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: MOHELA
State: RI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
On XX/XX/XXXX I finally received my official letter in the mail ( attached ) from MOHELA and XXXX XXXX XXXX informing me that they had determined that I met all of the requirements for student loan debt forgiveness under the XXXX XXXX XXXX XXXX XXXX program and that my existing student loans had been forgiven in total. While this was certainly welcome news to me after an arduous year and a half of dealing with multiple loan servicers and submitting and re-submitting my documentation and dealing with many unhelpful bureaucrats along the way, there is still XXXX more issue that has been left unresolved ; namely that I am due {$4900.00} dollars as reimbursement for XXXX overpayment for the 18 months of payments that I made after I had reached XXXX qualifying payments for my loans in XXXX of XXXX. I am including a screen capture file ( attached ) showing my XXXX  tracker with XXXX Qualifying Payments approved on XX/XX/XXXX which was the status of my account a few weeks before my student loan forgiveness was approved and processed and then my online account showed as in good standing once the forgiveness was processed ( additional screen capture attached as well ). This clearly shows that I had made many months of extra payments, along with some additional credit for Qualifying Payment periods during the XXXX student loan payment pause period. 

Since receiving my loan forgiveness under XXXX in XXXX I have made several follow up phone calls to both MOHELA staff and staff at Federal Student Aid to find out when I would be receiving my XXXX  reimbursement payments and neither entities were able to provide me any information or confirm to me that I was indeed getting the reimbursement that I am rightfully owed under federal law and multiple XXXX XXXX order relating to the XXXX XXXX XXXX XXXX program. 

After making a year and half of extra payments on my DIRECT Federal subsidized and unsubsidized loans after I had crossed the required XXXX payment threshold under the XXXX XXXX XXXX XXXX XXXX in XXXX of XXXX, I am due those funds. Those extra payments that I made in the total amount of {$4900.00} dollars during the period of XX/XX/XXXX through XXXX of XXXX should be refunded to me immediately now that my loans have been forgiven. 

I request an answer immediately as to the status of my {$4900.00} dollar XXXX overpayment reimbursement and the quick deposit of these funds back to me either via direct deposit from the XXXX Treasury to my bank checking account or a physical check in the mail to my mailing address. 

XXXX XXXX, XXXX XXXX XXXX RI XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX ( XXXX ) 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 2023-05-31
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I checked my credit report to find several debts that I never even heard of. I then Contacted them to verify the alleged debt. I sent a letter stating I checked my credit report and they were on there as a derogatory mark. I wrote them on XX/XX/23 and asked for proof ( Attach ) of how they came to have this alleged debt. I have received nothing and they are still listed on my credit report today. 

In accordance with 15 U.S. Code 1692g, I hold the right to verify the total debt amount, including any fees, and who the original party is making the claim. 
THEY MUST PROVIDE XXXX the original purchase agreement that shows their company is the legal owner of this alleged debt XXXX. The original contract WITH MY SIGNATURE from the company XXXX. A DETAILED BREAKDOWN of how they came to the total they have XXXX. I would also like a copy of the LAST BILLING STATEMENT from the original debt to verify the totals. 
Please include all of the Terms and Conditions that are included in this supposed agreement ( XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-18
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: Account status incorrect

Complaint:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-06
Company: Experian Information Solutions Inc.
State: NJ
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I have no supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX. I presume that no proof of the alleged debt, therefore any such debt, in fact does not exist. In accordance to the fair credit reporting act, this account has violated my rights as U.S.C 1681 Section 604 A Section 2 : also states a consumer reporting agency can not furnish an account without my written instructions. 

I ALSO DO HAVE AND DO NOT RESIDE AT THE ADDRESS IN WHICH THESE COMPANIES PROVIDED THUS IS ILLEGAL WITHOUT MAIL VERIFICATION TO REPORT INACCURATE INFORMATION ON MY BEHALF

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 2023-08-06
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:
This account below has violated my federally protected consumer rights and must be deleted for inaccuracy because it continues to report activity after the close date of XX/XX/2020, also this account shows a past due balance of {$1000.00} which is inaccurate. A closed/chargeoff account must NOT show a past due balance ( after it was charged-off with the XXXX  ) or show XXXX activity after the account closed date. 


XXXX Bank 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 non-monetary relief
Consumer complaint received 2022-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I demand this company XXXX XXXX XXXX to cease all communications, and they act as though they're above the law, This is Defamation of character according to 28 cfr 4101 ( 1 ) false and misleading practices 15 usc 1692 ( g ) you never provided me with proof of where the credit came from, also forward flow agreement, uninformed use credit 15 usc 1692 ( g )

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