BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I have file for a Visa card for Capital One and Capital One Administration and Management keeps denying my application because I filed various Discrimination and Retaliation complaints with Federal Government.I was denied on XXXX, XXXX, XXXX andXX/XX/XXXX.
I am requesting a Federal Investigation against Capital One for Retaliation and Discriminating against me as a XXXX XXXX XXXX and XXXX and XXXX Military Veteran.
I have credit scores of XXXX XXXX and XXXX XXXX as I checked with XXXX XXXX XXXX. My credit score with XXXX is in the XXXX in which it will rise once the hard inquiries be deleted from XXXX  credit report and XXXX and XXXX.
I have provided my California Cal Pers XXXX Lifetime Retirement Pension income of {$4400.00} a month.
I own a home that has a value of {$320000.00} and I get Denied for a Visa credit card with Capital One?
I am XXXX  and XXXX and Capital One has denied me a Visa card because I am XXXX in which my ADA XXXX Civil Rights has been violated by Capital One Administration.
XXXX XXXX and XXXX XXXX and other Capital One Management keeps sending Denials Letters.
Also, Capital One denies a Visa card because I have a Bankruptcy Chapter XXXX on my credit file in which it was filed because of circumstances.
Bankruptcy was filed on XX/XX/XXXX and Discharged by XXXX, Texas Federal Judge on XX/XX/XXXX.
Capital One makes billions of dollars every year why company retaliates and discriminates against minorities and military veterans?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2022-09-13
Company: CMRE Financial Services, Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Phones on several occasions wondering why my insurance didnt pay. It was an emergency room visit and tests were done. Phoned my insurance company and they asked for the paperwork to be sent again with details about why they did the tests. Since I was in the hospital my insurance or XXXX XXXX XXXX should have paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
Company: EVERBANK, NATIONAL ASSOCIATION
State: ID
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX   XXXX  unauthorized charges went through my account.  XXXX  for {$190.00} &  XXXX  for {$340.00}. I called   XXXX   and they could n't find anything in my name, ph #, or email so I was advised to dispute through my bank. I filled out papers with my bank to dispute. The department that handles these issues claim the charges were authorized. No proof has been provided to me even though I have requested. The bank TIAA and I have had 3 way calls with   XXXX    and it has been proven that I did not authorize the  XXXX  transactions but the supervisors  XXXX  and  XXXX  do nothing about it. They do not return my calls or provide me with the proof that I authorized the charges. Please help  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28
Company: Experian Information Solutions 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:
I have been trying to get incorrect information off my credit report and by doing so I noticed they continue to add items that do not belong to me. I am getting frustrated, I understand my name is somewhat common but my social security number is NOT. Experian is now reporting even more things that are NOT XXXX. It appears as I try to get these mistakes off my report they just add more to make things even more complicated.

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 2022-11-08
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is an account from Synchrony bank Care Credit. I have given written requests and letters to the bureaus stating i did not authorize this company to pull my report nor make an account now or ever. The account was removed in early XXXX, now is showing up again. This is an FCRA violation.

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 2017-07-18
Company: Systematic National Collection, Inc.
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a letter to validate the debt to Systematic National on 3 occasions. One on  XX/XX/XXXX ,  XX/XX/XXXX , and  XX/XX/XXXX . I have not received any validation of the debt or response within timeframe. I spoke with a rep from Systematic today who stated he does not have any proof of the debt and to contact the original creditor which is   XXXX   XXXX   XXXX   XXXX  . I called   XXXX   XXXX    and was told that the debt is with the collection agency so I have to communicate with them for everything. I called the guy back and he stated again that even though they are the ones collecting the debt they do not have the validation of the account. This is illegal and should not be reporting to   XXXX   XXXX   or to the credit agency 's. This debt can not be validated as mine and they are not cooperating with my request for verification.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I took out a  XXXX  loan with Navient my freshman year of college. I 've so far paid {$4500.00} and I still owe {$1600.00} according to Navient. That make 's no sense when my interest rate is set to 4.25 %. Someone please help me with this as I 've been paying and paying and the compounded interest does not seem right whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01
Company: BANK OF THE WEST
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
At the end of XXXX, I discovered that my Bank of the West checking account had been hacked and {$600.00} was stolen from my account. I immediately called the bank and was told that my debit card would be canceled and I would not have access to my funds ( unless I banked in person ) for 10 business days. I could not get a temporary card from my local branch and absolutely no other options were made available to me. Many merchants only accept payment via card ( including the parking machine at my job ) thus that single bank policy made it extremely difficult for me to engage in basic 21st century transactions. But with no options available, I had to simply accept this policy. 

Next, I asked the bank to reverse the stolen funds. They refused. Their policy was to mail me an affidavit they would not accept my declaration by phone. One week later, I still had not received the affidavit. When I called back, the Banks best offer was that I could go down to their branch ( at times that conflicted with my work schedule ) with a letter. If that option was available, why did I have to wait over one week to learn about it? 

Prior to receiving the affidavit from the Bank, I received difficult news concerning my health. I informed the bank I was dealing with a health crisis but would get the affidavit to them as soon as possible. Miraculously, despite juggling work, family life, and the challenge of coordinating a slew of doctors appointments to handle a potentially life-threatening challenge ( and fear, of course ), I managed to mail in the affidavit within two weeks of receipt. The bank sent me a letter informing me I had not sent it on their time table so they would not return my money prior to concluding their investigation. 

Finally, just yesterday, the bank returned half of my stolen funds with no explanation as to why or when I can expect the rest. 

In sum, I was the victim of bank fraud brought about through no fault of my own. In fact, the security practices of financial institutions like Bank of the West, are so lax they make such fraudulent activity possible, even common place. When I reported the fraud to my bank, they invoked policies that punished me, the consumer, and allowed them to take as long as they wanted to return my money. They did this just as I was dealing with the most frightening health crisis of my life. The {$600.00} meant nothing to the bank, but for me it meant I had to forgo basic necessaries so that I could pay bills for the month. It also added more stress to a very stressful time. This is unconscionable behavior. I ask CFPB for assistance with my case but also to investigate so that this problem does not happen to others.

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 2017-07-18
Company: WELLS FARGO & COMPANY
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Wells Fargo has acknowledged receipt of all documents to make a complete package as of  XX/XX/XXXX . I have continued to recieve " missing documents '' letters even though my agent is calling in every 48 hours. On  XX/XX/XXXX  she was told this was submitted to investor for approval, but as of today she was told it was not submitted, there has been no movement on the file, and there are squatters that continue to enter the home which is a problem. We have a buyer who has offered a price that the bank has said they will accept, but as an FHA file, my agent tells me we are needing a doc called an ATP ( approval to participate ) and no one at Wells seems to even be aware of this document or even the process. They have told me there are no timelines they have to abide by and this CAN NOT be correct.

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 2018-04-13
Company: Experian Information Solutions Inc.
State: FL
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:
RE : UNAUTHORIZED INQUIRIES Never did I give anyone consent to use my credit. Nor did I allow your company to allow anyone to use my identity to attempt to open any new accounts. I am frivolous and XXXX at how your company violated my rights as a consumer with in The FCRA sections 609, 610, 611. Your company also used my credit file to place inaccurate erroneous information which I am unaware of. I have been a victim of identity theft in the pass. It is your job as a credit bureau to protect our credit files which you purposely leak consumers files. I am distress and I am disputing these accounts as an internal dispute listed in the files sections as photos and an affidavit. I have filed a suit against your company for violating my rights several times because I am sick and tired of this. It has to stop. I am allowing a total of 2 business days for this investigation to take place and a renewed copy of my Credit report with the inaccurate and erroneous items you placed on my report removed permanently. I will be following up with in 24 hours to retrieve information of whom placed the erroneous accoutns on my credit file. I want to speak to a supervisor who is in charge of this shift because someone isnt doing their job and doing fraudulent things where I will have to file a police report after the court hearing that is upcoming. The unauthorized inquiries are in the attached files below.

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 2022-09-29
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Any debt that I have had with XXXX XXXX XXXX and XXXX XXXX XXXX has been paid. I submitted proof of payment and this is still showing on my report. Experian is not doing its job and violating my rights. Looking for an attorney to sue both progressive and Experian for violating my rights. Failing to properly notify.

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 2017-07-18
Company: Navient Solutions, LLC.
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I 've been dealing with this since  XXXX / XXXX . I 've spent over five hours on the phone with various Navient employees trying to have them remedy this : they never applied the checks sent in, and deducted from my bank account, to my student loan account.
Two weeks ago, I spoke with   XXXX   XXXX  , a supervisor, and he said he would make sure to get it taken care of ; and he apologized for all of the trouble I 've been going through, trying to get this resolved.
They have still not reconciled my account, it shows I 'm " past due, '' and they 've falsely reported their error to my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-16
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: Information belongs to someone else

Complaint:
Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I hope the following items will be correct this time : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  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 non-monetary relief
Consumer complaint received 2017-07-18
Company: Navient Solutions, LLC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On  XX/XX/XXXX , I sent a letter to Navient regarding the late payments that they are reporting for my student loans. In this letter I requested documentation that would prove that my loans were not in forebearance during that time, and as of  XX/XX/XXXX  I have not gotten a response from Navient regarding this matter.
On  XX/XX/XXXX , I submitted an online dispute with  XXXX ,  XXXX , and  XXXX  regarding the inaccuracy of late payments to Navient in  XXXX  and the status was not changed.
The second online dispute with the  XXXX  credit reporting agencies was submitted in  XX/XX/XXXX .
On  XX/XX/XXXX , I submitted yet another online dispute regarding this same matter, and have yet to get any type of response from NAVIENT.
If they ca n't furnish documentation that states that I was indeed late on payments then I feel that the reporting should be updated to current for the duration of the loan origination.
Thank you in advance for helping me in this matter.
  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16
Company: Bread Financial Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Paid card off, and late fee was added. Spoke to representative and she stated she removed late fee. Received no letter and stared receiving phone calls every day including Sunday and messages. Spoke with representatives and they were suppose to review phone call and next thing I knew in 2-days later receiving message from Debt Collection.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing to delete the following information listed in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not provided any written consent. I ask that the items kindly be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I have also enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. Im advance thank you for your assistance.

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 2022-09-13
Company: Experian Information Solutions Inc.
State: MN
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:
My fianc at the time bought the house in XXXX, MN together and we were both listed equally as borrowers for the loan, then we got married and in 2015 we had our divorce finalized. I let her keep the house and the very large amount of equity that went along with it. My plan the entire time was to live in it for 5 years or so then sell it for a significant profit. It is now worth well over {$100000.00} more than we paid, I paid the full mortgage myself and all the closing costs and escrow associated with the purchase. I made improvements and I paid the mortgage even after we split up and I moved out. 2 full years of monthly payments is about {$25000.00} plus another {$10000.00} of costs from the sale is over {$30000.00} of real money I put in that I lost from the divorce. The court was being completely female biased and I didnt do anything in the relationship to cause any unfair treatment but I sure got it. They awarded her the house outright as long as she takes over payments its 100 % hers but I dont get removed from the loan? Thats not right. I lost {$35000.00} of money I invested in the property AND the percentage of equity that I should be due that is about pay off and she got a free house. Literally everything paid for for her. Meanwhile Im stuck with almost {$200000.00} of debt on my credit report and I have been destroyed by that. I cant get a car loan or buy a new house because of that debt that is no longer associated with me at all. Its been 8 years since I lived there. She has since remarried and has XXXX  kids by another man and I cant help but wonder why they are not putting his name on and taking mine off. I dont know how people could look ar the situation and conclude that I should remain on the hook for the loan that I have lost 10s of thousands of dollars to and she has made climbing near to {$200000.00} in potential revenue from a sale. Theres only 2 fair outcomes for this situation. One removed my name from that loan and that loan amount from my credit report right away or she needs to sign paperwork for giving me a percentage of the profit when a sale happens because I have had no financial freedom because of this and have not been able to actually really start over again because of the amount of debt in my name. Im not trying to take money from her I just want this off my report so I can buy a house or car and finally have a chance. I have years of damages from this and it needs to be handled properly.

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