BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XX/XX/2023 I logged on my Capital one phone app to check if I had any upgrades to my current capital one credit card. a few options came up but it said on the app, " continue with application. '' So at this point I called into Capital One 's customer service to speak with an account product specialist, his name was " XXXX ''. I asked, If I continued with this new card feature will it open a second account or hit my credit report. XXXX responded to both of my questions with " No they won't it will just be the same card and number just different product. I said thanks and politely hung up the phone. I kept the screen open, and went back to finish the upgrade to my capital one credit card. It was upon finishing the account that I see it had in fact opened a new account with a different card number and different credit balance. I then return to call capital one and learned that what XXXX had told me was in fact false. I not only opened a new account when I did not want to, but it negatively impacted my credit score. I asked capital one to reverse this to which they closed my new account but said once the account was opened, they could not reverse the hit to my credit report. I am absolutely stunned that Capital One would not provide training needed to inform customers of the correct information. This is a eye opening experience. I no longer have trust with capital one and will be requesting they close my accounts and delete what data they are legally allowed to delete under both Federal and Ohio law. What I want to do is hopefully use this service provided by the CFPB to request Capital one reverse the hit to my credit score since their product specialist XXXX told me false information ( he lied to me ) about the upgrade not hitting my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

XXXX XXXXBalance : {$2400.00} ; XXXX XXXX XXXX Balance : {$280.00} ; XXXX 54661605****Balance : {$2700.00} ; XXXX XXXX XXXX Balance : {$2000.00} ; XXXX XXXX Balance : {$5000.00}.

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 2023-09-13
Company: Navient Solutions, LLC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX My loans were in deferment until May along with the rest of the student loan borrowers. As you can see on the Navient statement included, all loans were current through XX/XX/. In XXXX when clarifications became announced I first applied on XX/XX/XXXX and then again on XX/XX/XXXX for consolidation and deferment until the consolidation is approved. As you can see the application on the XXXX and the statement by Navient that NO PAYMENTS ARE DUE UNTIL XX/XX/. 

On XX/XX/XXXX, you reported me 90 days late on my payment A total shock considering the above and that your own documents show I was current through XX/XX/2023. I need your kindness and help to rectify this please as the downgrade in my credit is now forcing me to close my business and my vendors are all now shutting down my credit with them due to the dramatically lower credit score. 

This is urgent. Can you please help? If you need additional info, please reach out. Attached is the XX/XX/XXXX, loan modification along with that is also the date of my second request to apply an administrative deferment to allow for time to get this processed. Also included is the Navient statement showing no payments due until XX/XX/2023. 

I first contacted Navient on XX/XX/XXXX and again on the XXXX as the info from the XXXX did not get to Navient for some reason. 

Also, this loan likely will qualify for total discharge due to the length of payments on it. I have 15 years of public service but do not qualify for discharge for that since I am a volunteer! 

PLEASE HELP! 

You can reach me at XXXX if you have any questions or email me at XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: OPORTUN FINANCIAL CORPORATION
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Oportun/XXXX  is not helping me. A credit card was fraudulently opened in my name and I now discovered my step fathers phone number was used. Opportun has not called me like they keep saying they will. They havent emailed me. I havent received their Identity theft/fraud packet in the mail like they told me so I can mail my police report and my step dads since we both had our identity exposed ( my name, his phone number ). Oportun said no one called from my step dads number to say the account was fraud. Well thats because we didnt open the account and had no idea it existed. We never received any calls from opportun or mail from them. I found out about the account in XXXX by viewing my credit report and I reached out immediately about identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Nationstar Mortgage, XXXX XXXX XXXX XXXX TX XXXX XXXX This month, XXXX 2016 this company started requiring social security number to be entered when logging in to make online payments. THIS IS A POTENTIAL PERSONAL SECURITY/IDENTITY THEFT ISSUE. Security questions and XXXXPoint authentication, etc. is intended for this purpose and that Security Questions are available on their web site. Please note that when I tried to change my password and security question answers earlier this year the web site crashed and would not allow these changes. I contacted them several times and was able to change the password once but never the security question answers. It appears that the programmers for Nationstar lack the extensive knowledge to build a secure site. I contacted customer service at the number above and got the standard excuses as to why they must have the SSN and that the web site could not be changed back. Again the demand for the SSN at login is a demand implemented within the past 30 days and so it can be changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: AmeriCollect
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I have been working on getting my credit score back to par for years and finally this year I have been able to make a pretty big stride. I had three medical transactions/bills that weren't paid off when my State Medicaid insurance went into effect, so I placed a dispute with XXXX and the debt collector realized since I was a Medicaid recipient , that the bills should have been taken care of. Then about a month later this charge for a medical bill owed from back in 2019 surfaced as a debt. It totals around {$53.00}, and should have also been paid and taken care of by Medicaid, however through two disputes, they refuse to drop the debt. I never received a bill from this " said '' debt collector, a phone call or an email. To my knowledge, it didn't exist. They have not tried contacting me, nor have before, and they have had access to my current address/phone number/ email, plus I provided my up to date State Medicaid card in the last dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: EQUIFAX, INC.
State: GA
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:
In accordance with the Fair Credit Reporting Act XXXX XXXX Account # 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-26
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
LVNV FUNDING ( XXXX XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$550.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2022 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I received a copy of my consumer report on XX/XX/2022 I noticed multiple accounts that should not be on my report. Pursuant to Title 15 USC 1681 ( a ) ( 2 ) Exclusions : a consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Furthermore, according to 15 USC 1681 ( a ) ( 2 ) A detailed mechanism must be created to perform an investigation determining the credit worthiness, credit standing, credit capacity, character and my overall reputation. They have failed to comply with these consumer laws I have the evidence to prove their negligence. I also requested a copy of my investigative consumer report and they refused to provide that information.

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 2020-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
This debt does not belong to me. Its an ongoing issue with fraudulent accounts appearing in my credit report. First it was XXXX, however now its trans-union. This account is from XXXX XXXX. I have intentionally refrained from using credit as I am a XXXX  veteran.

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 2016-12-18
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
Husband XXXX and I, now XXXX, are in business together. We XXXX. for 30 yrs. and XXXX. Husband gets diagnosed XXXX at age XXXX, wife takes over total running of business to keep our income. Cost of hubbies XXXX XXXX $ XXXX/mo. or $ XXXX/year and going up appx. $ XXXX/mo. or {$3600.00} in annual increase. We have no long term care insurance. Wife rekonizes income shortgage and applies to re-finance XXXX. to get lower fixed interest rate, 4.375 % quoted at time of application to replace 10 year arm mortgage with {$1400.00} to principal and {$980.00} to interest each mo. Loan size is {$400000.00}. I submit documents : Signed application, Power of attorney, trusts, XXXX XXXX account, all insurances, copy of mortgage statement, copy of rental agreements, rents received, other sources of income, 3 months of checkbook activity, they run my credit score, they report XXXX. Building is appraised at {>= $1,000,000} by their appraiser. They are now dragging their feet, telling me they have to study my many documents. They gave me a lock, expiring XX/XX/2017. I now fear they will deny my application due to age XXXX and hubby with XXXX. Do I have any rights at all. Currently I am struggling with high cost of XXXX XXXX. XXXX. I became very sick myself in the 5 years of XXXX prior to putting him in his XXXX. I must however continue working, and keeping the business going. Thank you for allowing me to voice my problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-17
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My yearly property taxes are {$960.00} -- Nationstar Mortgage collected so far {$800.00} in escrow payments, to pay for my yearly property taxes of {$960.00} --. 
Yet Nationstar Mortgage are still demanding, that I pay an additional {$800.00} -- ( 10 months @ {$80.00} -- ), which means, they want to collect {$1600.00} -- p.y. in escrow payments, even though my property taxes are only {$960.00} --. 
To my knowledge, they are only entitled to keep a " cushion/reserve '' of {$300.00} -- p.y. 
Hence, they ought to refund me {$500.00}, to bring down the escrow cushion from the present {$800.00}, down to a {$300.00} -- " cushion '' ..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: Experian Information Solutions Inc.
State: FL
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:
Inaccurate reporting for DEPT OF EDXXXX XXXX  previously held by XXXX  ) Accounts : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX XXXX XXXX XXXX DEPT OF ED/XXXX  Accounts are showing one late payment of 90 days for the month of XXXX 2019, but no 30 or 60 day notices of a late payment are present on report. It would not be possible to have missed 90 days of payments, given that the very next month of XXXX 2019 shows as on time, and all other payments since on are also time as well. 

EXPERIAN 9 different DEPT OF ED/XXXX Accounts ( previously held by XXXX  ) are showing one late payment of 90 days for the month of XXXX 2019. 4 different DEPT OF ED/XXXX Accounts ( previously held by XXXX  ) are showing a late payment of 90 days for the month of XX/XX/2019, but no 30 or 60 day notices of a late payment are present on report. It would not be possible to have missed 90 days of payments, given that the month of XXXX 2019 shows as on time, and all other payments since on are also time as well.

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 2023-03-03
Company: Experian Information Solutions Inc.
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: Account status incorrect

Complaint:
I write to complain about the Facially False data reporting of my Account at Best XXXX  XXXX which account was reported as Closed At Consumers Request on and before XX/XX/2023 but between XX/XX/2023 and XX/XX/2023, such CLOSED at Consumers Request REMARK CODE was REMOVED which now inaccurately reports my Closed account as OPEN in willful violation of the FCRA and Metro 2 protocols. Once an account is Closed, controls to prevent reporting it as OPEN were required to prevent Facially False Data from forever reappearing similar to preventing a dead person from coming back to life which is impossible. CRAs had data which should have prevented the later changing my account to OPEN. Both furnisher and violating CRAs are liable for statutory damages of {$1000.00} for each and every FCRA willful violations. I previously complained about failure to promptly report my Account as Closed and now after finally reporting my account as closed, Furnisher willfully reported it again as OPEN by removing the CLOSED remark. Idiots. Parrots. Bots. Make my day by continuing to willfully violate the FCRA. I now demand punitive damages for repeated violations including reporting Facially False Data.

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 2023-04-26
Company: Experian Information Solutions Inc.
State: NV
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 items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX , NV XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; 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 2023-09-13
Company: 950 Credit Inc
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Dear XXXX Consumer Relations + Credit Rent Boost, I hope this letter finds you well. I am writing to bring to your attention a discrepancy that I have noticed in my credit report with XXXX. After thoroughly reviewing my credit reports from all three major credit reporting agencies, I have noticed that a specific account is correctly reported by XXXX but is missing from my XXXX report. 

Here are the details of the credit card account in question : Creditor : XXXX XXXX Account Number : XXXX Account Type : XXXX Date Opened : XX/XX/2013 Account Status : XXXX  I would like to kindly request that you investigate this matter and include the account in my XXXX credit report. The accuracy and completeness of my credit report are crucial, as it directly impacts my financial credibility and access to various opportunities, including loans and credit facilities. 

Enclosed with this letter, please find copies of my credit report from XXXX, clearly indicating the presence of the credit card account. I believe that by rectifying this omission, my XXXX credit report will more accurately reflect my credit history. 

I understand the importance of maintaining accurate credit information, and I am confident that XXXX will take the necessary steps to ensure the completeness of my credit report. Please keep me informed of the progress of this request and provide me with written confirmation once the credit card account has been added to my XXXX report.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have had my account restricted for going on a year now. Months ago I gave up until recently when I needed to send money for an Emergency. With that I loaded XXXX using my PayPal Debit card to my account only to find out My account is still limited so I basically am not allowed to do anything with the money I just loaded into my account. I have no less than 4 times sent PayPal the documents and identification requested by them to verify I am who I am which is the so said reason my account was restricted. It just sits there in the resolution center most of the documents say approved but the CC and 1 other document I sent just sits there saying submitted pending review That has been that way for over a year. Of course you can not call them and forget sending them a message I never have received a response the countless times I have tried contacting them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-15
Company: NATIONSTAR MORTGAGE LLC
State: MN
Product: Mortgage
Sub-product: Other mortgage
Issue: Credit decision / Underwriting

Complaint:
COMPLAINT ABOUT NATION STAR. 
XXXX Banks are involved in this problem ( XXXX XXXX XXXX and Nation Star. ) First complaint submitted about XXXX XXXX XXXX. This is a copy about Nation Star. 
We had difficulty paying our home mortgage and sold the house on short sale 2013. The mortgage was with XXXX XXXX XXXX. XXXX XXXX XXXX approved the short sale and accepted the proceed for full satisfaction of the XXXX ( first and second ) mortgages on the property. We have all the documents to that effect. 

The second mortgage is entered in my credit report as a debt that I am owing. It is showing in XXXX XXXX and XXXX that the debt was transferred to another lender. In the same report it is stated that the debt is legally paid in full. 
Nation Star entered it as a delinquent mortgage. 

It appears XXXX XXXX XXXX sold the mortgage after accepting the proceed from the short sale as full settlement. XXXX XXXX XXXX and Nation Star are in collusion in these transactions. 
These XXXX derogatory entries in our credit report are adversely affecting our credit rating seriously. As a result we are having great difficulty getting a mortgage to buy a home. This is causing us serious pain and distress..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation