BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-17
Company: TD BANK US HOLDING COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have had TD Bank for a few years now. In   XX/XX/XXXX  the United States  XX/XX/XXXX  me overseas where I was stationed from early  XX/XX/XXXX  until the middle of  XX/XX/XXXX . While Overseas I did not have access to my checking account or online access to notify of any unusual transactions. Upon returning back to America on  XX/XX/XXXX  I called into my bank only to be notified that my account had been closed due to overdraft.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Lowes sent me a new credit card for a previously closed consumer credit account. I did not request credit in my name and each time I have spoken to them ( today included XX/XX/XXXX  ) they tell me that my account has simply been inactive.
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I went through the closure process again today ( the very same I went through before ). I 'm unhappy that Lowe 's in extending credit in my name without my authorization.

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 2023-12-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had 2 credit cards open with Capital One ; both were in good standing with no late payments. I reported fraudulent activity to Capital One that came from another country. They said they'd investigate and never got back with me. I called and asked for an update later and they stated that they had mishandled my case and the fraudulent charges was never filed to be investigated. So I filed again after receiving a list of requested charges on my account. I called and informed the representative which charges were not charged by me and were fraudulent. The representative stated that they opened another case and they would investigate and get back with me and again information was lost.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01
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:
15 USC 1681 Section 604 States rights to consumers privacy Reporting agencies can not furnish an account WITHOUT my written consent.

Resolution delete accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08
Company: North American Credit Services
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is a medical debt owed by my father.  XXXX   XXXX   XXXX  for a hospital stay due to a  XXXX   XXXX . I am  XXXX   XXXX   XXXX . This is NOT my debt. I have wrote, emailed, and called numerous times. They keep sending my collection notices to my address. My father 's info is  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Fl.  XXXX  (  XXXX  )  XXXX  if they would like to pursue the collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: Experian Information Solutions 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:
Hello, on XX/XX/XXXX I was notified by a potential company that I was obtaining a loan from that I had a collection on my credit report. I proceeded to check my credit and notice that XXXX XXXX the debt collection agency for XXXX XXXX placed a {$460.00} collection on my credit. The account was opened fraudulent on XX/XX/XXXX and closed on XX/XX/XXXX. I DID NOT OPEN A CELL PHONE WITH THIS COMPANY. I LIVE IN GEORGIA AND THIS COMPANY DOES NOT OPERATE IN MY STATE. I HAVE AND HAD PHONE SERVICE WITH ANOTHER PROVIDER FOR YEARS. THIS FRAUDULENT ACCOUNT IS HARMING MY FAMILY AND MYSELF. I HAVE REPORTED THIS FRAUD TO THE FTC ( report # XXXX ), the XXXX, AND THE ATTORNEY GENERAL. THIS IS PREVENTING ME FROM MOVING FORWARD WITH MY LOAN PROCESS.

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 2017-07-17
Company: Convergent Resources, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, Receiving notes from a XXXX XXXX XXXX  stating that we owe a {$110.00} payment to XXXX XXXX, which is not true. I do not believe this is my account as any activity with XXXX many years ago was paid and equipment returned.
The collection attempt is erroneous.
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: Experian Information Solutions 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 would like my credit report to be cleared of unauthorized credit inquiries. I got a copy of my credit report and saw inquiries on it that I had not authorized. Here is a list of them. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-19
Company: JPMORGAN CHASE & CO.
State: CT
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
NOTICE TO PRINCIPAL IS NOTICE TO AGENT, NOTICE TO AGENT IS NOTICE TO PRINCIPAL, I HERE ON BEHLAF OF PRINCIPAL ACCEPT ALL TITTLES, EQUITY AND RIGHTS. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- CHASE BANK HAS DISCRIMINATED AGAINST ME BY DENYING ME A RIGHT TO CREDIT UNDER THE EQUAL CREDIT OPPORTUNITY ACT WHICH CLEARLY STATES IT SHALL BE UNLAWFUL TO DENY A CONSUMER CREDIT ON THE FACT THEY HAVE EXERCISED A RIGHT. NOTICE CONGRESS UNDER 15 USC 1602 STATES CREDIT IS A RIGHT GRANTED MEANING IT IS ALIENABLE RIGHT. NOTICE IT IS FACT I HAVE ENTERED INTO A CONSUMER CREDIT TRANSACTION WITH CHASE WHERE A FINANCE CHARGE WAS CONDUCTED AND A SECURITY WAS GIVEN TO CHASE IN EXCHANGE FOR CREDITS BEING EXTENDED BACK TO ME. NOTICE IT IS FACT CHASE HAS ACQUIRED MY ORIGINAL CREDIT CARD DEFINED UNDER 15 USC 1602 VIA A CREDIT APPLICATION AND HAD A OBLIGATION UNDER THE FEDERAL RESERVE ACT 16 TO EXCHANGED THAT INSTRUMENT VALUE FOR VALUE AND RETURN TO ME MY CREDITS. NOTICE IT IS FACT CHASE HAS ACQUIRED MY CREDIT CARD ( ssn ) AND HAS NOT EXTENDED ME MY OWN CREDITS AS THE ORIGINAL CREDITOR DEFINED UNDER 15 USC 1691a. CHASE HAS DISCRIMINATED AGAINST ME DENYING ME A RIGHT WHERE I RECEIVE NO BENEFIT WHILE OBTAINING MY CREDIT CARD NOW IN VIOLATION UNDER 15 USC 1644 AND 18 USC 242 AND 241. NOTICE IT IS FACT CHASE HAS ALSO FAILED IN ITS TRUTH IN LENDING REQUIREMENTS AND HAS FAILED TO DISCLOSE ME MY RIGHT TO RECIND MY APPLICATION 3 DAYS AFTER APPLICATION. SINCE CHASE HAS VIOLATED ME WHILE OBTAINING MY SECURITY, CHASE HAS NOW COMMITTED A VIOLATION UNDER THE SECURITY EXCHANGE ACT OF 1934 AND I WILL BE FORCED TO FILE A IRS FORM 3949a AND 211 AGAINST CITI FOR AUDIT. I HERBY EXERCISE MY RIGHT TO RECIND AND DEMAND MY ORIGINAL APPLICATION BE RETURNED AND ALL NEGATIVE REMARKS REMOVED FROM MY CREDIT REPORT IMMIDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX and XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-17
Company: Trans National Credit Corporation
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I just discovered that there is a medical collection being reported to my credit by Trans National Corp, since the beginning of 2017. It 's for {$160.00} from   XXXX   XXXX   XXXX  , which I had to look up to discover is an  XXXX . I   XXXX   XXXX   last year and I assume this is from that.
Except I am fully insured, so there should be no outstanding debts. In fact, they told me to bring in {$2500.00} to cover my deductible and coinsurance, and I did. I was under the impression that I was paid in full, and never getting a bill certainly did n't do anything to dissuade that assumption. Had I received a bill, I 'd have taken care of this before it ended up as the ONLY negative mark on my otherwise  XXXX  credit report.
I also never got any notice of collection from Trans National so, again, I had no chance to get to the bottom of this error before seeing it on my report.
I 've disputed it with  XXXX  ( it 's only on   XXXX   ) and it came back as verified, so I assume they did n't actually do any real verification or it would have been deleted. Additionally, it is n't reporting as disputed, which I 'm told it has to be when you dispute something.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17
Company: Knight Adjustment Bureau
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Knight Adjustment Bureau put a collection on my credit without sending me any notice. They did not send a 30 day right to dispute notice. The debt was already settled with the creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Experian unlawfully shared my personal information with others without my consent as a revenge for reporting them to the CFPB

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 2017-07-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Bank of america is not acting in good faith, and are reporting an account that was already transferred to another bank in XXXX and the other bank deleted the account some time ago, when I reached out to them to have them delete the account they are giving me the run around Bank of america, is unfairly and inappropriately reporting me negatively to the credit bureaus, for an account that was transferred out to XXXX in XXXX and they already deleted the tradline. However, BOA still shows that the account had a delinquency in XXXX. When I reached out to BOA they gave me the run around, at one point, the bank even unlawfully threatened me, not to contact the bank anymore, which is a open to the public ; federal bank, although it 's clearly showing that the account is not accurately reporting at least by one bureau, and by one bureau it 's not existing at all.

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 2022-02-23
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I am a co-signer on a few student loans with my son as the primary borrower. The lender is XXXX XXXX and the loan servicer is Navient. 

The loans have been in deferment/forbearance since his graduation in XXXX. Interest only payments have been made when required. 

I received a few calls from Navient in late XX/XX/XXXX advising me that the loan payments were delinquent. The representative asked if I could pay the approximate {$1000.00} outstanding balance, a partial payment ( 1 month ) or even {$50.00} to prevent the account going into collections and affecting my credit score. Since this was the first communication regarding an arrearage, I wanted to verify this was in fact Navient and be provided a statement from them detailing the account status. 

Although the rep confirmed my email & physical address for identification purposes, she stated that they could not send a statement to a personal email address. I asked for a paper statement to be mailed to me instead. She then indicated that it would take 5-7 business days to receive and the account would be referred to collections by then. I have still not received any confirmation statement from them. Their website ( through XXXX XXXX ) is not very user friendly and is difficult to access. 

I spoke to my son shortly after that call in XXXX and he said he had not received any calls/messages from Navient over the prior 2 months as the rep had indicated. He said that he reached out to them for alternative payment options and that the account is now up to date. 

Despite this history, I continually receive calls from who I believe is Navient. Without recognition of the source, no messages have been left stating the identity of the caller and/or the purpose of the calls. Ive been receiving 2-3 calls a week and at inconvenient timesaround or after dinner, weekends and XXXX XXXX XXXX  XXXX. The latest were yesterday ( XX/XX/XXXX ) at XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) around XXXX AM, XXXX  ( XX/XX/XXXX ) around XXXX XXXX XXXX XXXX  ( XX/XX/XXXX ) at around XXXX PM. 

I feel these practices are harassing. If they want/need to speak with me, leave a message with the pertinent information, text/email and/or mail a paper statement to me ( theyve already confirmed having that information ). 

My concern is that they are documenting these calls as contacts and non-responses from the borrower. If so, will they classify the account as delinquent and send to collections? This would unnecessarily affect my outstanding credit rating negatively. 

Thank you for your time and assistance with this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: Rocket Mortgage, LLC
State: OR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Rocket restructured my loan under the Cares Act at the height of the COVID Pandemic and put late payments on my credit report, even though they said they would not. This went against everything they told me. Dishonest business practice and no willingness to remove the late payments from my credit report. I am currently going through the purchasing my second home with them and they won't budge, even though I paid off my first loan in it's entirety. I will continue to leave bad reviews as long as they stay on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: U.S. BANCORP
State: MS
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
We noticed on the morning of XX/XX/2023 that our XXXX clicklist account had been hacked and used to purchase XXXX in groceries from a XXXX in XXXX, TX using the XXXX XXXX XXXX that is backed by US Bank. We contacted XXXX and they said to contact US Bank. I made a call at XXXX filing a fraud complaint with US Bank XXXX After noticing nothing done I followed back up XX/XX/XXXX in which time a temporary removal was done on XX/XX/XXXX. The charge was put back on my account XX/XX/XXXX. I called again on XX/XX/XXXX at which time I was told my fraud claim was denied. Between XX/XX/XXXX to XX/XX/XXXX I called 4 more times asking to speak with a fraud specialist handling my case with no luck. On XX/XX/XXXX i received a call from someone but missed the call. They left me a voicemail with a name and number. I called this number and left a voicemail XXXX times between XX/XX/XXXX to XX/XX/XXXX with not even a return call.

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 2022-02-23
Company: Spring Oaks Capital, LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Looking at my credit report and it showed that that this account was open on XX/XX/2021 and its looking like its and old debts that reappear on my report as if the collection agency changes the date of delinquency to make that account look newer. I need them to proof to me when I open this account on the date that its showing in my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17
Company: Nelnet, Inc.
State: CA
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:
On  XXXX   XXXX , 2017 I sent this company a letter informing them that I will be sending them a check with a conditional endorsement which laid out the terms of an accord.  XXXX  shows that NELNET received this letter last   XXXX    XXXX , 2017 as shown in the attached copy of my certified mail receipt below and according to   XXXX   mail tracking website as shown in the attached files. I sent them a check dated  XXXX   XXXX , 2017 and they already cashed this check.
Nelnet failed to honor the conditions set forth by the check to delete the negative reporting from my credit report. I have attached a screenshot of my credit report proving that your company broke the accord set forth by the conditional endorsement check you have cashed.
This is a violation of California Civil code.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: Village Capital & Investment LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
My Covid forbearance ended on XX/XX/XXXX and I applied for a VA Disaster Modification. I was told in XX/XX/XXXX that the request was denied but was never told a reason. I am able to make all mortgage payments and can afford an increase to the mortgage payment if that occurs. On XX/XX/XXXX I applied for a VA Partial Claim and was told on XX/XX/XXXX that the Partial Claim will not be reviewed until a Modification Application has been submitted. I personally spoke with the VA Regional Office and they advised the VA Disaster Modification and the VA Partial Claim DOES NOT require a modification application. I would like the lender to consider me for the VA Disaster modification OR the VA Partial Claim again I am fully able to make the mortgage payments even if the payment amount increases.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
Company: EQUIFAX, INC.
State: CO
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 Do not recognize or no what these inquires are on my consumer report that you are reporting these are fraudulent inquires that i want removed from my consumer report. 




XXXX - XX/XX/2021 XXXX  - XX/XX/2021 XXXX-XXXX  - XX/XX/2021 XXXX  - XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: AES/PHEAA
State: NE
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In XXXX and XX/XX/XXXX I submitted the information for the PSLF program. One day I submitted my work with the XXXX of Nebraska. The next day I submitted my work from XXXX and XXXX XXXX. The payments made during my time at XXXX and XXXX XXXX has not been reflective on my PSLF payments. I have been a full time employee for non-Profit and State employment for XXXX years. I want to know when Fed Loan will process my time with XXXX  and XXXX XXXX as the new waivers from President Biden waives if the loans were in the wrong payment plan. I was previously with XXXX who had verifed employment yearly while I was making payments from XXXX to when I consoldated in XXXX. It is extermely difficult to get answers from Fed Loan thru the phone and I do not get responses from emails. I need assistance on getting an adaquate count of my payments as I should be completed with all payments at the end of XXXX of this year.

Company response to consumer: Closed with non-monetary relief