BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
This is an update to CFPB complaints XXXX ( submitted XXXX  ) ( Complaint 1 ) and XXXX ( submitted XXXX  ) ( Complaint 2 ). Despite numerous contacts with Capital One and two previous CFPB complaints, as of today XX/XX/XXXX there has been no satisfactory resolution of this matter. 

I am an elderly person currently staying in XXXX XXXX XXXX to receive medical treatment for several ongoing health conditions. Since my arrival in XXXX last year I have relied on my Capital One Venture Visa Card # XXXX XXXX XXXX XXXX to pay for medical treatment and other expenses. I routinely charge several thousands of dollars per month on this card. The card expired on XX/XX/XXXX. Due to the upcoming card expiration, on XXXX  I requested that Capital One send me a replacement Venture Visa Card in XXXX ( see attachment 1 ). On XX/XX/XXXX I received an email from Capital One stating that " a shiny new card is on the way '' and " should arrive by XX/XX/XXXXXXXX XXXX XXXX  '' ( see attachment 2 ). Capital One further confirmed to me by phone that the replacement card was shipped to me by XXXXXXXX XXXX. I made multiple requests to Capital One for a tracking number for this shipment but Capital One refused to provide this information. 

Because no card was received by the due date, I filed Complaint 1 on XX/XX/XXXX. OXXXX XXXX Capital One responded to Complaint 1 stating that " your replacement card was mailed out on XX/XX/XXXXXXXX XXXX XXXX XXXX and should be received " within 7 to 14 business days ''. This response also stated " we do not have a tracking number for your card ''. See attachment 3. As of today one month later no replacement card has not been received. I have been forced to make multiple trips to the local XXXX office to inquire about this card. Each trip requires a lengthy transit time followed by standing outside in line under hot sun for an extended period. This is extremely difficult due to my ill health. In response to my inquiries XXXX has stated that no shipment to me has been received and no further information can be provided without a tracking number for the shipment. 

At this point due to the negligence of Capital One I have no active credit card and therefore am unable to pay my medical and other expenses in XXXX. As a result I am suffering from extreme inconvenience, hardship, illness and emotional distress. Further, Capital One 's admitted failure to obtain tracking information for shipment of a credit card to a foreign country is a gross breach of the most basic financial security standards. If the replacement card was shipped as Capital One claims it has most likely been stolen by now, adding greatly to my stress. 

Thank you very much for your prompt attention to this matter. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sincerely beseech you to promptly take decisive action to eliminate the fraudulent Accounts from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-13
Company: LoanCare, LLC
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Our mortgage on the property was around {$1500.00} a month. Over the course of last year XXXX first increased the mortgage to {$1700.00} a month citing an escrow shortage of {$11000.00} in XX/XX/XXXX. Due to the increase, vacancies, and a deadbeat tenant, I fell a month behind for several  months. As soon as I got current with the mortgage in XX/XX/XXXX, they increased the mortgage to {$2400.00} a month, citing another escrow shortage of {$9000.00} found inXX/XX/XXXX. 
It did not seem reasonable, logical, or even possible, to first have an {$11000.00} escrow shortage, never mind having another {$9000.00} escrow shortage just three months later ( and as the same time as I had caught up ). At this point, I stopped paying the mortgage. 
The loan was transferred to Loancare who is claiming another escrow shortage of {$4300.00} from XX/XX/XXXX due to an increase in home insurance. They have hired the XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , XXXX, RI XXXX ) to start the foreclosure process. 
All of this started after the housing market pulled out of the recession. My building is worth a lot more than what I had purchased it for almost 20 years ago, and is definitely worth a lot more than the balance of the mortgage. I believe this is a clear case of equity stripping. They are just going to keep raising the mortgage until I go under.

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 2023-08-15
Company: Westlake Services, LLC
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I am writing to initiate legal proceedings against USA Auto Sales, a car dealership, for breach of contract and significant damages caused by the sale of my contract to West Lake Portfolio Management, a debt collector, without my consent. Additionally, I am also requesting a copy of my title and to be added as the lien holder of this vehicle.

Factual Basis : As per our agreement, I purchased a car from USA Auto Sales, on XX/XX/2022 and I made payments according to the contractual terms. However, without my consent, they sold my contract to West Lake Portfolio Management, which was not stated in the contract. Moreover, upon contacting West Lake Portfolio Management, they confirmed that they did not have a copy of the contract in their possession. Unfortunately, when I attempted to contact USA Auto Sales on this situation, I soon found out that they went bankrupt.

Legal Basis : USA Auto Sales failure to notify me of the sale of my contract to West Lake Portfolio Management and failing to state it in the contract constitutes a breach of our agreement. Additionally, the unauthorized sale of my contract caused significant financial hardship, including aggressive and questionable activities by West Lake Portfolio Management. These actions demonstrate that USA Auto Sales acted negligently and in bad faith.

Monetary Compensation : I am seeking monetary compensation for the damages caused by the unauthorized sale of my contract, including the hardship caused by the aggressive debt collection activity of West Lake Portfolio Management. I am also requesting that the Court intervene to request a copy of my title and to be added as the lien holder of this vehicle. 
Based on the above, I hereby request that the Court permit this legal action against USA Auto Sales for its breach of contract and the damages I have suffered and continue to suffer as a result of their actions. I believe that they should be held accountable for their behavior, and I request damages to the maximum extent allowed by law. 
Please contact me if you require additional information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: EQUIFAX, 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: Problem with personal statement of dispute

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 19th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06
Company: EQUIFAX, INC.
State: KY
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: Experian Information Solutions Inc.
State: NM
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 1

5 USC 1681. The letters are stated with items and issues. 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: BROKER SOLUTIONS, INC.
State: NV
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My real estate broker XXXX XXXX told me to find another lender since XXXX XXXX XXXX was going through changes ( e.g. layoffs ) and was too short staffed to complete the mortgage process. So I called New American Funding and was connected to a XXXX XXXX. I told her I wanted to apply for a VA loan and asked her about credit scores and informed her that I have been dealing with a lot of issues surround identity theft and my scores are not the best. She told me she could look at my documentation and see if I qualified before pulling credit. I sent her over my documents and I didn't receive a response which put me on high alert. When I called XXXX XXXX was denying that she was able to view any of the 68 Attachments, then said she was able to view 6 then mentioned the credit card attachments which tells me she was able to view the attachments. When I questioned her inability to review the attachments she hung up on me. I called back and told her hanging up was suspicious in itself and unprofessional and I would contact her management and she hung up again. See below. 

From : United States Veteran XXXX Date : Tue, XX/XX/2022 at XXXX XXXX Subject : XXXX : XXXX XXXX XXXX XXXX ) To : XXXX Good Morning XXXX XXXX XXXX XXXX Your loan officer XXXX XXXX received 72 attachments went through the attachments and did not call me back. I just found out {$2000.00} was stolen out of my business account yesterday by a scammer using fake identification on the other side of the country in Georgia. My name, SSN, DOB was sold to the dark web. I am a victim of identity theft and so I am on high alert when if comes to anyone who has my personal information. What I find suspicious is during the conversation, XXXX XXXX said she tried to access 6 of the 72 attachments and was not able to view all of them, then mentioned credit cards - however she claimed she only could view the first six attachments and I didn't mention anything about credit cards. In our initial conversation, I asked XXXX XXXX to review the XXXX XXXX report, and attachments and tell me if she could move forward before I would remove the freeze and have her pull another credit report. When I questioned XXXX XXXX regarding the attachments and how I was suspicious that she wasn't able to review anything- she hung up on me. I then called her back and told her I am a victim of identity theft and the fact that she received my documents but didn't respond was suspicious to me and I told her hanging up on me was not ok. XXXX XXXX had an attitude, with a New York accent ; and stated she is in your North Carolina branch. I would like this looked into and all of my files removed from XXXX XXXX 's computer. Thank you. 

Respectfully, 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 2022-12-27
Company: SYNCHRONY FINANCIAL
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Since XXXX of 2021 XXXX XXXX has stolen the identity of XXXX XXXX changing email address and changing information on her credit report using the social security number without consent and continues to do so as of XXXX XXXX. Ive filed several police reports. 
XXXX XXXX opened a XXXX card in the name for XXXX XXXX. And charged items in the amount of XXXX in charges. Several charges on Lowes account amounting to XXXX Credit card came to my address with his name on it. 
XXXX XXXX changed my address at the post office system and had my mail routed to his address XXXX XXXX XXXX XXXX XXXX WI XXXX I have a email from the Postal inspector of XXXX stating the issue of the fraudulent address and a phone transcript. He stolen my XXXX account. Hes changed my XXXX so much that Im completely locked out of that account all together. Proof of that. XX/XX/XXXX XXXX he ordered my drivers license with the stolen credit card he open from XXXX card. 
XX/XX/XXXX {$71.00} at XXXX XX/XX/XXXX XXXX at XXXX he tried ordering food from XXXX with my XXXX XXXX The list goes on with several different attempts to open accounts. 
XXXX XXXX tries to log in for my XXXX mail account XX/XX/XXXX XXXX attempts. XX/XX/XXXX XXXX attempts XX/XX/XXXX XXXX attempt and XX/XX/XXXX XXXX attempts. Changed XXXX password change XXXX XXXX my XXXX account as well. I have several email stating someone on Wisconsin computer trying to get into my accounts. 
Recent activity was on XX/XX/XXXX changed my phone number on my credit report XXXX to phone number XXXX and XXXX to XXXX. Old email address is XXXX. XXXX XXXX is making several attempts to hack my emails account as well. He does it at night when Im sleep and notifications wake me all through the night. 
Friday XX/XX/XXXX tried logging in to get my Tax information 5 attempts. 
On XX/XX/XXXX he called Lowes again according to records trying to get access to my Lowes account again. 
XXXX XXXX XXXX A.M. hes attempting to get into a Venmo account. This has been going on since XXXX of 2021. There is more attempts that are not listed here. 
XX/XX/XXXX, XXXX XXXX calls to tell me that he has tried to open a Walmart XXXX XXXX card in my name but shut it down. 
XXXX XXXX is resilient and will not stop. This has really become a burden and Ive not been able to function because of this situation. Ive been sick with anxiety ever since this has been happening. Included in this lawsuit is for emotional distress.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: Experian Information Solutions Inc.
State: NE
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:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-12-27
Company: EQUIFAX, INC.
State: LA
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:
I XXXX XXXX XXXX XXXX XXXX this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: Convergent Resources, Inc.
State: CT
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:
In accordance with the fair reporting act convergent Account # XXXX 15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on an account under an open end consumer credit plan as late for any purpose.

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 2022-12-27
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Please refer Complaint # XXXX during XX/XX/2022. 
This time I made the online appointment 5 days in advance for notary at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX United States ( XXXX ) XXXX for XXXX XX/XX/2022 at XXXX XXXX. 
Appointment was confirmed and i got the reminder also. 
Today at around XXXX XXXX  I got a call from XXXX ( Wells Fargo XXXX XXXX branch ) that nobody is there in this branch for the entire week for doing notary. She has no idea if any other Wells Fargo branch has any notary person or not? 
Why the Wells Fargo online system gave me the appointment when nobody was there? Why the online appointment system not integrated with local branches where the appointment is given? Why there is no backup staff available for doing notary rather than everybody is on vacation?

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 2023-08-15
Company: Nelnet, Inc.
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:
Fed loan and now nelnet reported my student loan as delinquent in XXXX. That is not correct. I was unemployed and then on active duty and called then fed loan for a forebearance until I could find employment, which I did by going XXXX XXXX XXXX XXXX XXXX. This has absolutely destroyed my credit because fed loan now nelnet had my student loans divided into over 20 separate accounts. This means my credit score is ruined based on 90-something delinquent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: CITIBANK, N.A.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Yesterday XXXX/XXXX/23 I spent over 5 hours on the phone dealing with Bloomingdales Amex customer service trying to get a credit limit increase to {$18000.00} for a purchase of a Diamond bracelet online. I was sent in circles I was argued with I was hung up on and I was given a disgusting attitude especially by supervisor XXXX. Not only has BLOOMINGDALES refused to assist with my credit limit increase none of the agents asked me for my account password except 1 person. I strictly asked for an account password be placed because for some reason your stupid system doesnt want to process a OTP using my phone number. Your computer system is so stupid. One month it lets me use my number for OTP the next month it doesnt. Ive had the same cellphone number for XXXX years. No other banks have this problem but YOU! The fact you failed to use my password which is to supersede the OTP XXXX me off to no end. Im furious. Then when I asked to talk to fraud to get answer why it wasnt being done the agent seemed to not want to be present. I asked her what her problem was she said nothing I told her she seemed out of it and she said yeah well Im tired. How unprofessional? Who is running this company?? I expect this service from XXXX XXXX but Bloomingdales? Im disgusted.

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