BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Summary : On my first call, Capital One would not or could not state if I was going to be charged a late fee. Likewise, the Capitol One website stated that I MAY be charged a late fee. This is consumer harassment. On my second call, the Capitol One senior account supervisor stated I WOULD be charged a late fee, most likely for XXXX since it was my first offense. 
Specifics : Capital One card ending in XXXX. 
Payment was due on XX/XX/2022. 
Payment was made on XX/XX/2022 at XXXX pm. 
The website then stated I MAY be charged a late fee since the payment was made after XXXX EST on the due date. 
I then called a Capitol One representative. 
The first rep was not able to tell me if a late fee was going to be assessed. 
I escalated this to a senior account supervisor. 
The first Capitol One senior account supervisor stated that Capital One was recording the call. 
I informed the manager I was also recording the call on my end, in compliance with my own company policy XXXX XXXX XXXX XXXX ). 
The manager stated she was not able to continue the call if it was recorded by my own company. 
I informed the manager I was going to file a complaint with the CFPB.

The first manager hung up. 

I then called a second time. 
The second representative stated I WILL be charged a late fee. 
This was at variance with the first representative 's statement. 
The second rep was not able to tell me how much the fee would be. 
I then escalated this to a second senior account supervisor. 
This second supervisor ( XXXX XXXX was able to direct me to the statement verbiage which stated the amount ( up to 40.00 ). 

All the reps I talked to were courteous.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: EQUIFAX, INC.
State: MS
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:
On XX/XX/2020, I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored for my disputes and concerns. 
Section XXXX ( A ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and XXXX have gotten into the hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: EQUIFAX, INC.
State: IN
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 am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15
Company: Ditech Financial LLC
State: AR
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I have been psying on this loan since 1994. My daughter bought a mobil home and we thought we were only co-signing but turned out to be in our name. a few payments have been missed in the previous 23 years ( maybe 2 or 3 total ) but we are up to date on it now. The problem is the payment is usually 4 to 12 days late and the mortgage has a {$5.00} late fee which is no problem. They charge me interest daily after the due date til they recieve the payment and then the next month they charge interest from the due date again which means I am paying double interest for about 10 or 12 days a month. The original loan was for approx {$35000.00}. but after 23 years the payoff is still over {$25000.00}. Is this legal? 
The loan company is Ditech.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10
Company: Shellpoint Partners, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was late with my monthly payments ( 4 months ) but always informing SHELLPOINT MORTGAGE SERVICING who were saying they will help and find a solution. I kept contact. Im XX/XX/XXXX They offer me a trial period to avoid foreclosure ( Streamlined Modification Solicitation letter ) starting XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX and said if i honored the 3 payments the will come with a modification plan. <P/>I made sure i sent my checks before each due date and controlled checks on my bank account were debited accordingly. <P/>XX/XX/XXXX i called them ( again ) to know what s going to happen in XX/XX/XXXX. That is when they told me they never received my XX/XX/XXXX payment. Since i sent them twice the proof they cashed my check. they are now telling me this morning my file is in Foreclosure. They never replied to any of my email or try to established live contact with me

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: Self Financial Inc.
State: VA
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 have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: BSI Financial Holdings, 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: Problem with personal statement of dispute

Complaint:
they sold my mortgage to another company this being the 3rd time my account get sold to another company. Between the last two I had the issue. BSI is the people that sent the negative credit report.

1. BSI Financial Services 2. XXXX XXXX XXXX 3. XXXX XXXX  I had my account on auto pay and they didnt talk to me before reporting they said they tried to call and write letters. I never got neither. They werent able to communicate with me at all. 

Why would they sell account with auto pay connected I found out by accountant running my credit score. He provided me with report I contacted XXXX and payed full past due amount and the following mnth as well and set up autopay again bsi financial is the company that reported it I havent really getting much help on this from none of the companies

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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: Billing dispute for services

Complaint:
Date:XX/XX/2017 Company : TransUnion Situation : The company supplies the free credit report without a fico or any sort of credit score. When trying to obtain a credit score, the company forces you to click on a link to " view credit score '' which they then automatically sign you into a {$19.00} per month subscription without warning or confirmation of payment. They first ask for credit card information beforehand without any information as to why ( i.e. no amount to pay shown ). Because one has been primed to supply private information for credit report, one is led to believe this is just another step to obtain a credit score.
When I noticed the charges, I had to call and cancel to get a refund. Others may not have paid attention to this and may have recurring payments to TransUnion.
The website was accessed by requesting a free credit report from : XXXX and choosing TransUnion.

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 2019-02-15
Company: Experian Information Solutions Inc.
State: MO
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:
Requested validation of debt from Experian credit bureau and was advised by 1 representatives, lets say my name is XX/XX/XXXX a supervisor XXXX that the information was verified but they could not provide proof of the debt. I asked for removal of the creditor, XXXX XXXX XXXX XXXX, XXXX  and XXXX XXXX   and was denied. If validation of the debt can not be provided, I request removal of the inquiries.

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 2021-10-12
Company: Payward Ventures Inc. dba Kraken
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
On XX/XX/ I deposited approximately XXXX XXXX in the Kraken exchange I have had my account for more than 1 year and have completed all of the verification levels. 

My deposit is listed as " on hold '' and my withdrawals are suspended. 

I created a ticket to deal with the problem. No representative of the exchange has contacted me to try to resolve the problem. I have made multiple phone calls and was only told " to watch my email. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-05
Company: Duvera Billing Services, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I purchased a dog for {$2500.00} from XXXX XXXX XXXX in XXXX XXXX. I applied for financing through EasyPay Finance, which was approved. However, they charged me an annual interest rate of 130 %. I recently paid off the loan, because of the egregious interest rate. I ultimately paid {$4000.00} total, {$2500.00} for the original purchase amount and {$1500.00} in interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I borrowed {$16000.00} and graduated from XXXX XXXX in 1991 and defaulted on loan cause school was a big lie about getting a good job. Theyve been garnishing my wages for 20+ years and have taken over {$70000.00} and yet I still owe about {$8800.00}. Loan was originally managed by XXXX  XXXX XXXX and sold to navient. How much long will this private continue to take advantage of me. Any help and / or guidance on this matter would be greatly appreciated because Im XXXX XXXX XXXX and Im tired of struggling week to week with paying my bills. Sincerely XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: Experian Information Solutions Inc.
State: IN
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 am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2017-11-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Upon further investigation, I have retained new copies of my credit reports, and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on XXXX/XXXX/XXXX. I have retained a copy of your signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required XXXX period. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act. 
I further remind you that you may be liable for your willful non-compliance, as per FCRA 623 ( a ) ( XXXX ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy  of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not  furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 
( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section XXXX03 ( p ). 
As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or inaction ) on your behalf may result in a small claims action against your company. 
I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-a-3 )

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 2021-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Hello, I mailed off a dispute letter for accounts that were listed on my credit report that did not belong to me on the XXXX of XX/XX/2021. Today is XX/XX/XXXX and I have not received no response back from the credit bureau.

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 2021-04-15
Company: EQUIFAX, INC.
State: KY
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:
Can someone please help me! I am being taken advantage of and it is extremely unfair! My consumer rights are being violated! I noticed some inaccurate/fraudulent items that are reporting to my credit file. I have notified the credit bureaus and have sent them dispute letters over 90 days ago. I have yet to get a response to resolve my problem. I know that the items must be investigated within 30 days of them receiving my dispute letters according to the Fair Credit Reporting Act. I need the disputed items deleted from my credit file immediately. The credit bureaus are also using stall tactics to not respond to me, giving me responses like " they need authorization from me to proceed ''. I have attached my drivers license and a utility bill to verify my identity, can you please see that they delete all accounts that are disputed immediately please.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WY
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX TransUnion. Consumer Solutions. 
XXXX. XXXX XXXX. XXXX, PA XXXX. 
XX/XX/2019RE : Request for Investigation of Unauthorized Credit Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on and I noticed an unauthorized credit inquiry had been made. 
I contacted XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into XXXX/XXXX XXXX   XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXXinquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the inquiry and send me an updated copy of my credit report at the address listed above. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 
Thank you for your assistance in this matter, 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 2021-10-12
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my house with XXXX XXXX and the loan was sold on XX/XX/2021 to Shellpoint Mortgage Services and On XX/XX/2021 Shellpoint called me to collect a debt of the XXXX payment. However, I had paid the XXXX payment to XXXX. The agent for Shellpoint was demanding payment for XXXX payment not only was paid, but was not a debt to Shellpoint, as they didn't own the loan during XXXX. I believe this practice is in violation of RESPA and other laws.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: BAM Management US Holdings Inc.
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
On XX/XX/XXXX I submitted all relevant identification and forms to be verified in Binance.US. The verification has been pending for the better part of two weeks. I dont understand how it takes so long to verify if a document shows my correct address. They will not allow you to submit a help ticket.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-03
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 fraud alerts or security freezes

Complaint:
PLEASE REMOVE ALL FRAUD ALERTS FROM MY CREDIT FILE. 

ALSO, PLEASE UPDATE MY CURRENT EMPLOYER : 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 non-monetary relief
Consumer complaint received 2021-04-15
Company: SYNCHRONY FINANCIAL
State: AL
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:
My name is XXXX XXXX XXXX, my father 's name was XXXX XXXX XXXX, both of us applied for loans under XXXX XXXX XXXX. My father passed away XX/XX/2021. Synchrony bank has now reported me being deceased on my credit report under a Lowes card and a Belk card. I am trying to make a large purchase for which I need a loan. They are refusing to update the information as I am very much alive. Please help!

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