BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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 hope this letter finds you well. I am writing to raise an important issue that pertains to the Fair Credit Reporting Act ( FCRA ). 

Under the provisions of the FCRA, specifically 15 USC 1681 section 602 a, there exists a crucial need to ensure that consumer reporting agencies, such as XXXX and XXXX, fulfill their obligations with utmost fairness, impartiality, and respect for consumers ' right to privacy. 

However, it has come to my attention that certain actions undertaken by these consumer reporting agencies may be in violation of the aforementioned principles. This is deeply concerning and raises questions about their commitment to upholding the rights of consumers. 

Given the importance of consumer reporting agencies in maintaining accurate credit information and protecting individuals ' privacy, it is crucial that appropriate measures are taken to address any potential breaches or misconduct. 

I kindly request that you thoroughly investigate the practices of XXXX and XXXX to ensure compliance with the FCRA. It is imperative that these companies fulfill their responsibilities in a manner that prioritizes the rights and interests of consumers. 

I appreciate your attention to this matter and your efforts in holding consumer reporting agencies accountable. I trust that you will take the necessary steps to address these concerns and maintain the integrity of the credit reporting system. 

I am writing to bring to your attention a matter of utmost concern, which involves a violation of the law. 

As per the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s2 ( A ) ( 1 ), it is unlawful for any person to provide inaccurate information about a consumer to any consumer reporting agency, if they have

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: Affirm Holdings, Inc
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I made a purchase using my Affirm credit card on XXXX. The purchase I made is from XXXX XXXX. My purchase was lost during shipment and I was promise a store credit from XXXX XXXX, however I never received the store credit so I initiated a dispute with Affirm that failed to resolved my issue stating XXXX XXXX follow policy in which the company didn't due to Risk of lost on XXXX website. I haven't received a store credit or refund and Affirm is charging me for a purchase I never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06
Company: Affirm Holdings, Inc
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
It didnt give me the option on here for what the actual issue is. 

I asked XXXX to help me set up a payment plan without autopay. 
Instead they set up a payment plan but didnt ask what worked for me and then made due dates that didnt work for me. I emailed asking them to help. Instead of contacting back they no longer have my accounts and I dont even know where they are who they are with.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: Experian Information Solutions Inc.
State: CA
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:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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: Resurgent Capital Services L.P.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
LVNV FUNDING LLC
c/o Resurgent Capital Services
XXXX XXXX XXXX XXXX XXXX XXXX  
ARE SHOWING ACCOUNT VERY ODD ON MY CREDIT REPORT TWICE!
RUNING MY CREDIT WORTHINESS WITH IS A VIOLATION TO MY RIGHTS! 

THIS ACCOUNT DOES NOT BELONG TO ME 
SEND VALID DEBT VALIDATION WITH WET INK SIGNATURE AND FULL CONTRACT

I DID NOT GIVE CONSENT TO PURCHASE ANY OF MY PERSONAL INFORMATION 
ACCORDING TO 15USC 1681 1(A)(5)(A)(I)

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Requested that LVNN Funding provide contract with my authentic signature that started this alleged debt. LVNV Funding only provided computer screen print-out and monthly bill statements which are unacceptable.

LNVV Funding conducted unreasonable investigation.

Moreover, received dispute resolution past the 30 days time limit which is a violation of the FDCPA. Other times when I submitted dispute and never received a response.

LNNV Funding has continued violating the law through intimidation, deception, and illegal debt collection.

LVNV Funding are in violation Fair Debt Collection Practices Act and the Consumer Financial Protection Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: Shellpoint Partners, LLC
State: AZ
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:
I sent the company a certified letter asking to update my payment history accurately. The company never responded to me nor provided proof as they stated that they responded on XX/XX/21. I included their false response confirming the dates they received and responded also confirming their acknowledgement dates. In addition, they have violated responding to me within 30 days of receiving dispute. They have lied that they did as the address they sent other correspondence to is incorrect as well. You will notice on my certified letter I enclosed my proper address and still failed to respond to me. Also, in their previous response to my complaint, no document was provided for the date they speak off on XX/XX/21.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: Experian Information Solutions Inc.
State: MA
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:
I can't find the contact for Experian/credit bureau. 

On XX/XX/2019 I had disputed XXXX XXXX XXXX for {$1700.00} ( and {$700.00} still waiting ) that was incorrectly on my account for years bringing my score down. Through Experian, I disputed it and on XX/XX/XXXX the item was removed from my credit report. 
BUT the years of damage that the error caused on my score still remains. They had no right to put it on my account in the first place, and my score should have jumped at least 100 points to make up for the error that was put on my account.

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 2022-04-12
Company: E*TRADE BANK
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I opened multiple accounts with ETRADE back in 2020 ; savings account, and accounts to trade stocks. Thursday XX/XX/XXXX I requested funds to be transferred out of my account and into a bank account I provided ETRADE the information for the wire. This transaction has yet to take place. I was told the account will be under review for 24 hours and would be released after that. At this point, 12 days later, all of my accounts and funds are not accessible. It has been requested of me by ETRADE to provide identification, a letter of intent and various questions be answered so they will release my funds. These requests have been completed multiple times, multiple representatives in the account activation department have been talked with, XXXX. Every time we talk I provide what they ask and I am told they will call me back. I have requested to be transferred to a manager or a person that can resolve the matter. Every time I get the same answer, there is no one they can forward me to, the account is in the back office for review, they have all the information they need and will call me back to resolve the matter. 

At this point I am unable to even log into any of my accounts, I can not see what is being done with any of my money, I am unable to trade any positions of stocks I hold. 

I need direction on how I can proceed to get my money from them. Currently they have {$130000.00} held where I can not even view it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18
Company: WELLS FARGO & COMPANY
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received information from Wells Fargo on XX/XX/XXXX in regards to a reply from a previous complaint that I filed. i have yet to receive adequate responses. 

1. from XX/XX/XXXX-XX/XX/XXXX. I applied for 39 HAMP Modifications. Yet I was denied 37 Modifications although, I was approved by XXXX XXXX and Hamp? 

2. I was placed in Foreclosure in XX/XX/XXXX by Americas Servicing Company despite Evidence that I was in Good Standing. I received information from Wells Fargo stating that in XX/XX/XXXX I owed XXXX. In fact I paid the money upfront to XXXX XXXX XXXX   XXXX and when they entered Bankruptcy because of illegal practices the loan was sold several times in which the previous companies recognized payment and on time status. WHY WAS I PLACED IN FORECLOSURE FOR NON PAYMENT DESPITE THE FACT THAT YOU HAVE EVIDENCE THAT I WAS NOT? PLEASE EXPLAIN. 

3. Wells fargo and ASC ( Who is owned by Wells Fargo ) placed me in foreclosure since XX/XX/XXXX. XX/XX/XXXX ... .. and offered me a Modification in XX/XX/XXXX. YET, WHILE IN FORECLOSURE YOUR POLICY STIPULATES THAT CUSTOMERS CAN NOT MAKE PAYMENTS WHILE IN FORECLOSURE. AS a result, WELLS FARGO/ASC ATTACHED {$500000.00} to MY LOAN. COMMON SENSE SAYS THAT I WASN'T IN FORECLOSURE I SHOULD NOT HAVE BEEN DENIED ACCESS TO MAKING PAYMENTS. THE ARREARS GREW NOT BECAUSE I WAS IN DEFAULT BUT BECAUSE WELLS FARGO PLACED ME IN DEFAULT AND PAYMENTS AND INTERTEST GREW AND I WAS CHARGED FOR IT WHY? 
4. WELLS FARGO WAS INFORMED BY THE INDEPENDENT FORECLOSURE REVIEW THAT I SHOULD RECEIVE A Modification without restrictions for the following mortgage abuses : Redlining, Predatory lending ( 10 % interest rate, illegal Balloon Payment Rider, Computer Glitch which denied me and thousands of other customers Modifications and numerous other crimes ETC. ). Yet, Wells Fargo refused to honor the Modification. WHY? Clearly the Federal reserve board who investigated the loan knew what they uncovered. Yet Wells Fargo sends documents and refuses to Answer the questions. WHY?

5. Where did my {$37000.00} worth of payments Go? And why weren't they applied?

6. Why was I placed in Foreclosure when you clearly had the payments?

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 2023-11-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Both my parents recently passed a week apart between XXXX and XXXX. I was left as a Beneficiary for a Bank of America account for the amount of approx. {$120000.00}. My only choices for having access to the funds was to transfer it to an existing BOA account, a mailed check or open a Merrill Edge Account, I chose to open a new Merrill Edge Account because I am currently traveling abroad and figured a wire transfer to my Credit Union might make things easier. It has not been. I started the transfers to my credit union on XX/XX/XXXX, received an email saying they received the wire transfer request. Since then it has been a nightmare as on Friday the XXXX of XXXX I tried to access the Merrill Edge app to find out I was locked out and that I needed to call a XXXX number for further assistance. The representative informed me that my account was under review and had no further information regarding the matter. With the exception of Sunday, I have been trying really hard to find out anything regarding my account and everyone at Merrill Edge service center has informed me that there is nothing they can do and can not tell me why, who or when I can either get an answer or access my account. They have essentially highjacked my funds and I don't know what to do or even who to speak with that might shed some light on what is going on. I'm still grieving over my parents death and I still need to take care of other things associated with the death of a loved one including lawyers, funeral home, estate etc. The lack of empathy and transparency regarding my account is unheard of. I am reaching out to you to file a complaint as this is the only thing I can do right now. Representatives at Merrill Edge Service center also told me they could not even give me the name of the department responsible for handling the case. Numerous calls to Merrill Edge and not one response back have left me here. 

There's no protocol here- just the same rote message " the account is under review, no further information is available ''. Are they not supposed to notify me of what's happening?

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 2023-01-08
Company: EQUIFAX, INC.
State: LA
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 receiving phone calls from debt collection agencies. I took the time to contact the debt collection agencies as well as the 3 credit bureaus. 
Upon receiving a copy of my credit report I have retrieved the info about an unknown unauthorized account. I was told by the credit bureaus to file a police report for the fraudulent activity on my credit report. 
I have no knowledge of this debt. This is not my debt. The following accounts are the result of identity theft : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am still waiting on 2-3 more fraudulent accounts information. I will be contacting you guys in a week or so with the other fraudulent accounts to add to this report. I would really appreciate these issues being taking care of. 

Please remove this fraudulent account. 

Account Balance {$630.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XXXXXXXX  my credit card was used to make a reservation on XXXX for the amount of {$2400.00} {$2400.00} I called XXXX and the hotel the booking was made at numerous times to get them to reverse the charge. 

XXXX stated there was a no refund policy and that I would have to call the hotel. 

I called the hotel they said they would reverse the charge all I needed to do was send an email stating the amount and date this happened and they would reverse the charge. After several days nothing was reversed I then called the hotel again they asked I resend the email which I did. 

Finally the hotel responded saying I should just file a claim through my credit card to have it reversed and they would not give XXXX the permission to reverse the charge. 

I filed a claim through my credit card. And called them to ask if they needed any more information from me. They stated they did not and that I should just wait until the investigate the matter. 

Just to cover my basis I called XXXX once again and the hotel to make sure that the booking would be canceled and not used and to reiterate that this was fraud. 

The booking was not made under my name nor under my account so the hotel said they wont help me. They stated in an email that I could be the one who stole the credit card so I should just communicate with my credit card company to resolve the matter. 

After a couple months Chase informed me they find the charge valid and I am now responsible for this charge on my card. 

No information was asked from me to prove my claims they simply decided a charge not under my name was valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08
Company: CL Holdings LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This that was proven that it wasnt mine it was removed from my credit report and now its been put back on and the information is still incorrect is not mine I requested they remove this immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I sent a debt validation letter to Santander Consumer USA in XX/XX/XXXX,  never received anything in response. I spoke with an account manager on the phone for Santander Consumer USA and asked for all paper work from my file to be sent over to validate this debt. His response was " do you not remember? '' I let him know it was for my records and that Santander is reporting different amounts to each Bureau, and also  reporting late payments twice a month on this account and it is ruining my credit. This account is closed, therefore I have no late payments. He simply replied " I don't know what to tell you, you should just pay it. '' So I never received the paperwork as asked. They have called me at least once a day and I have repeatedly had the same conversation over and over but they refuse to send anything to me. This is harassment and is illegal, my account is closed with them. I have now sent letters to each credit bureau, and asked that they verify this account and send me all documents they used to do so, XXXX XXXX and XXXX both came back " verified '' and no proof was sent over. XXXX deleted the account as they found there to be no validation of the account. This account is closed and charged off as bad debt. They gained a profit and write off from my account, along with selling the reposed car we once had. This account was closed in XX/XX/XXXX. Yet every month Santander has reported a late payment on my accounts to the bureau, they also have reported different closing dates, and amounts owed every time this account is disputed by my husband and I. They have been removed and added back on numerous times. This is harassment and illegal. Reporting that we owe the same amount on our loan that we did the day we bought it and reporting late payments twice a month even though the account has been closed almost 2 years now. This is making us look bad to financial companies and is completely out of line. This debt is not valid and should not be on our credit reports.

Company response to consumer: Closed with explanation