BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Capital One Visa Credit Card Company They promote themselves as a travel card yet I can't access my online account while I'm living abroad. Before, their online system would email me a security code to access my account. Now that feature has been removed and they must call you or text you on a US phone. I live in XXXX and have a XXXX phone number. They don't call or text international therefore I have been denied online access to review my statements, pay my bill, etc. 

This started for me on XX/XX/2019. They stated they escalated the issue and turned it over to a third party, whom they refused to reveal their name/company name. 

I've reported it to the XXXX Complaint Number:XXXX & now reporting this to you. This affects all Expats. I'm not the only one. I have friends that have been without access for 6 months. They are having to use a relatives phone number in the States and then they, in turn, call them with the texted code. CRAZY! Realize you only have so long to get the code and input onto the screen to enter your account. 

This is not a good business practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17
Company: MacDowell & Associates, Ltd.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Corrupt company. violates all sorts of laws. They filed lawsuit against me but I was never served. Thus they obtained defaulted judgement against me. Garnished my wages .I Filed claim of exemption. judge granted it due to low wages. They disregarded the court order and took 25 % of wages anyway. Then went through another county to do it and claim I switched employers which is not the case. A $ XXXX debt turned to $ XXXX the debt is over 13 years old now they renewd judgement. Help! May have to file bankruptcy. They damage everbody.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-12
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
i was a victim of fraud and equifax does not want to remove the fraudulent accounts.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: Incomm Holdings Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I work in XXXX XXXX XXXX. Often, landlord 's buy gift cards and give them to agents as an incentive to tour buildings, vacant spaces. They give us the gift cards, and we can use the funds to buy groceries, gas, etc. 

I toured a building and the landlord provided me a {$50.00} gift card through VanillaGift.com. The card does not work, it will not allow me to make purchases. I called customer service, they requested digital copies of my Drivers License. I felt uncomfortable with providing this information as I received the card as a gift. 

I requested my call to be elevated to a supervisor. Once on the line with the supervisor I explained the situations. During our call he randomly said I can not hear you, multiple times I told him I could hear him just fine. He said he could not hear me an hung up. 

Here is the company info : # XXXX Ref # XXXX I believe this company is selling gift cards and then making the use of the cards unreasonable on consumers, effectively keeping their money by making it too hard for the consumers to use.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: Experian Information Solutions Inc.
State: AR
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:
The following hard inquiries are not linked to a live account and I did not authorize the inquiries need them removed immediately. 
Consumer XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Ar XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX ( Duplicated twice ) XXXX and XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX  Mortage Service XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XX/XX/XXXX to XXXX and XXXX and XXXX and XXXX ( did not authorize any inquiries ). Just abusing reporting without 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 2018-02-12
Company: Pacific Union Financial, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been trying to get a modification on my mortage since XX/XX/XXXX. I have been sending documents to Pacific Union Financial for months trying to save my home for foreclosure. Finally on XX/XX/XXXX I was told that my modification was denied on XX/XX/XXXX with the reason being that I do not live in the property. I have called as recently as in the last week when I spoke to XXXX XXXX, a manager at Pacific Union Financial. I am repeatedly told that I will not get a modification because I do not live in the property. I am in active military service and I have court orders from XX/XX/XXXX ( attached ) stating that I am to report to and be stationed in XXXX XXXX, Kansas. That is where I currently live. It is not only illegal but highly unethical to deny me for a home retention program because I have orders from the United States government to help protect the country and it's citizens in a location other than my own home. The way I see it, my property is still my home, and I am merely away for work, which also happens to be work that keeps this country free for all of it's citizens. Therefore I expect Pacific Union Financial and the FHA will fairly consider me for a loan modification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
1 ) For a debt, I paid a healthcare loan provider ( a bank ) remaining total balance ( {$2900.00} ) on XX/XX/XXXX. 2 ) I had second thoughts, sent email about wanting to withdraw payment and change it to {$2000.00}, and asked how to proceed. I was not contacted about this but noticed payment was processed according to my bank statement showing it was debited. 3 ) I decided to accept this and move on. 4 ) But then noticed I got billed as if payment was not made. 5 ) I called creditor who stated payment was not made and I questioned how that could be when my bank shows it was and I emailed transaction number. I advised that I don't want the money back, to keep total balance payment. 6 ) Creditor then stated that a check was mailed to me and I stated I did not receive it and asked why they would send it twice, via bank and mailing. 7 ) Bank statements were requested to prove that I made this payment and I asked why they claim they send the money back if they said it was not received in the first place. 8 ) After faxing, I called for status update and was told my payment will be returned. I again stated I don't want the money back, just want to end this and close the account. 9 ) They sent me a  check for {$2700.00} dated XX/XX/XXXX and they continue billing and charging me interest stating that I now I owe {$600.00} when I had paid in full on XX/XX/XXXX. During all this back and forth, bank continues billing and charging interest in spite of total balance being paid and debited from my bank and it appears this will continue to add up. 10 ) It seems to me that I'm being swindled. When I addressed their contradictory information, I would not get a straight answer ; they were evasive. When I asked for a name to fax information, they would not provide it. All the above should be reflected in phone conversation records they should provide for all calls I have on my records. An investigation is warranted.

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 2018-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
in XX/XX/2018 I disputed a account with Transunion, and XXXX, both credit bureaus responded back saying the account was verified and accurate. Well both credit bureau stated that I should contact the original creditor after they verified the account, well I am a consumer and exercised my rights by sending the original creditor a debt validation. I have a right to see information and a signed contract from the original creditor, well on XX/XX/2018 I sent a certified letter to XXXX XXXX to the address listed on my credit reports, well XXXX XXXX # XXXX received the letter on XX/XX/2018 at XXXX XXXX, I have attached a copy of the letter written by me XXXX XXXX. and I have attached a copy of the certified mail receipt. XXXX XXXX received the letter and failed and refused to respond to me. Todays date is XX/XX/2018 and they have yet to write me back or send me any documentation that is required for me to see proof that the account belongs to me, Per the FCRA any account that unverifiable needs to be remove from the consumer report asap.. I am the consumer and I have all rights to see what information they have to show that this account belongs to me,, I'm not paying no account that's unverifiable I sent the letter to the company and they refused to comply,,, Transunion and XXXX your are placing unverifiable information/accounts on my credit file,, XXXX XXXX failed and refused to send me what I am entitle too see. this is a violation of my rights under the FCRA I have right and XXXX XXXX broke the law by not responding to me the consumer, this account needs to be removed asap from my credit file,, or a suit will be file,,, and no I'm not disputing information on my credit report I am demanding that this account be removed from my credit file for the non compliance and breaking the laws under fcra due to XXXX XXXX failing to respond to me within 30 days they have plenty of time to respond they failed. remove this account asap, I provided my address and ssn and they still failed to respond to my certified letter. This is not right that we contact the original creditor and they still fails to respond and reply,,, I will be getting a lawyer.

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 2021-08-17
Company: AMERICAN EXPRESS COMPANY
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On XXXX XXXX I purchased an American Express Gift Card to rent a vehicle from XXXX XXXX  XXXX. On XXXX XXXX upon going to pick up my rental I was informed there was no reservation and that a scam had been going on with several people coming in with gift cards/prepaid cards to purchase rentals. However I preceded to contact American Express to inform them that I had been scammed. Upon the first contact on XX/XX/XXXX about XXXX XXXX  I was told by the first customer service representative that I needed to call the merchant and was given theses merchant ID numbers XXXX XXXXXXXX XXXX XXXX XXXXXXXX and XXXX that XXXX had been pending charge and another for {$10.00}. I ask how to contact to find out who used or where the purchase was made she informed me I have to XXXX. Upon doing so I only got a XXXX writing so I proceeded to call back. I was told by the second representative that the account was put on hold that nothing would be done unless I reach the merchant to return the money because they couldnt do anything so to card agreement which I didnt understand if they were both saying my account was on hold why wasnt it that they could not stop/cancel the card completely because its a scam. She stated madam you will have to contact the merchant. I proceeded to do my own research and again no success so I call again American Express and spoke with XXXX who gave me the name of merchant XXXX XXXX transaction {$100.00} XXXX, {$190.00} XXXX and XXXX  which I research and its an app they purchase {$10.00}. After doing research and calling the XXXX company at XXXX no answer the whole Sunday but on Monday the XXXX I called it say my caller id could not go through not sure that meant so I later tried XXXX at XXXX I was told on recorded line due to high call volume that but call may not be accepted so I found an email tried contacting them that way was told it could not be sent. Well I waited just sent another asking they had a customer service number and later was responded but I cant speak a person this was after I attempted to call American Express talking to a supervisor who kept apologizing saying sorry Mrs XXXX because of the card agreement we can not refund your money there is nothing we can do you have to contact the merchant I kept explaining to her it was a scam and no merchant is taking my calls I have been blocked from the XXXX and XXXX number which gives an address XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. I have enclosed all documents I have of my contacts and Im unsure if I should continue with XXXX  because Im unsure whats real and what not when I have already lost XXXX due to trying rent a car that had the actual XXXX number

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My homeowners insurance policy was scheduled to expire on XX/XX/XXXX. However the renewal was {$3900.00}. I found a cheaper policy for {$1700.00} & the insurance agent forwarded the declaration page to Select Portfolio Servicing on XX/XX/XXXX. After several phone calls to SPS, I was told on XX/XX/XXXX that a cancellation had been received for my previous policy with XXXX  XXXX XXXX XXXX XXXX my new insurance information with XXXX XXXX XXXX ( XXXX XXXX XXXX ) in the amount of {$1700.00} had been processed & mailed on XX/XX/XXXX. As of today, XX/XX/XXXX, the new insurance carrier never received a payment for my new insurance policy & SPS is threatening to buy insurance for my property at a more expensive price because they received a cancellation from my new insurance carrier. I am writing to you asking for your assistance because this company has a reputation of fraudulent practices & something needs to be done to ensure that the consumers are protected. Please note that although a date is stamped in their system indicating a payment was processed & mailed, the payment never actually leaves their office for over a week. If I contacted SPS on XX/XX/XXXX to let them know that my insurance policy expired on XX/XX/XXXX, then when the payment was processed on XX/XX/XXXX it should have been overnighted to my new insurance carrier. This is the practice of other mortgage servicers & it should be the same for SPS. This company is fraudulent & a complete rip off to consumers & need to be closed permanently! Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: FC HoldCo 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:
XXXX XXXX XXXX Flagship XXXX XXXX has been adding a collections to my credit report that I have provided proof to not belonging to myself, but belonging to my ex husband. I have not and am not involved with him or his responsibilities and the credit reporting agencies have failed to update my report based on the repetitive reporting from flagship I have a court order also reflecting that.

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 2020-06-26
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:
SOMEONE STOLE MY ID ND MY SOCIAL SECURITY NUMBER AND USED IT TO OBTAIN A CAR AND TO SIGN UP FOR SCHOOL I DID NO GIVE ANYONE PERMISSION TO USE MY INFORMATION NOR WAS I AWARE OF THESE ACCOUNTS I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRAS. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 have submitted two disputes to Transunion for my XXXX  XXXX account being reported late as of XXXX and XXXX of XXXX. The XXXX XXXX account was CLOSED and paid in full on XX/XX/XXXX. For some reason, XXXX XXXX reported it OPEN and LATE even though I called XXXX  XXXX and they apologized and said they will add a note to update the report with the accurate information which they mentioned that the account was paid in full on CLOSURE date and was never late. I disputed with XXXX and they removed the late payment and properly closed and documented the account. 

The first dispute was on XX/XX/XXXX and Transunion came back and still reported my account as OPEN and late but they removed XXXX and kept XXXX as late ( what? ). I then submitted another dispute on XX/XX/XXXX and they came back and reported my payment history to be 100 % but my pay status was late 30 days even though the payment history has already been updated as never late and the pay status does not even say when the account was late which was ridiculous. I have tried to reach Transunion multiple times and their representatives keep telling me to dispute again. I should NOT dispute an item three times for Transunion to get it right or investigate right. They probably never even contacted XXXX XXXX. Corrupt company and disgusting behavior.

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 2020-12-13
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: Their investigation did not fix an error on your report

Complaint:
The 3 credit bureaus have kept this account open for the last couple years without verifying AFTER I sent them MULTIPLE letter asking for them to verify and THEY CAN NOT. 

This is with XXXX XXXX XXXX for the amount of {$1100.00} One XX/XX/2020 I sent 3 letter to all 3 bureaus. 
One toXX/XX/XXXX One to XX/XX/XXXX And one to Experian And they are not verifying anything. Section 609 requires them to verify and since they are not verifying they must REMOVE from my account IMMEDIATELY. 

I AM TIRED OF THIS.

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 2018-04-16
Company: WELLS FARGO & COMPANY
State: AL
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:
This is regarding Wells Fargo. Was trying to receive a loan modification. In XX/XX/XXXX. Wells Fargo is saying I was late in the following months : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I have documents showing my payments in all four months in the amount of {$800.00}. Wells Fargo did not tell me the loan modification would count as late payments on my credit report. In XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I made double payments in the amount of {$2100.00} to get caught up. Wells Fargo has recently been convicted of unfair lending practices.

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