BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-29
Company: Experian Information Solutions Inc.
State: NY
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 asked for an investigation into incorrect accounts reporting on my credit file nearly 70 days ago. I sent a complaint stating the amount of time passed with no response as being highly unprofessional. The bureau replied stating that i was not me and that i had hired a credit repair agency on my behalf. that as far from the proof. I dont need anyones help to know what is mine and what isn't. These accounts are incorrect and need to be deleted immediately as per FCRA.

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 2018-11-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
On XX/XX/18, I contacted Capital One Credit Card customer service to balance transfer {$25.00} from my bank account to increase my credit balance to hold my rental vehicle for an additional day. 

I was told my the customer service supervisor this feature was not available on my type of credit card which is quantified as " secured ''. I advised him this had been done before my simply by verifying funds available in my account. He stated this was done incorrectly, and was a Capital One decision not to offer this feature on " secured '' cards. 

I advised I reviewed my T & C 's online and do not see this called out and if this was indeed a specific policy that impacted credit decisions for my card I needed this in writing. I was told this policy was unavailable. Any policy that impacts credits or funds transfer availability should be available to all consumers to ensure proper decision on credit card companies. 

When told I wanted to file a formal complaint as there is clear inconsistency in service options, I was told the supervisor would submit a complaint to the " back office '' however they could not guarantee a return call. I told the supervisor this was unacceptable and I believed the information provided to be in violation of the FCRA. I asked to speak to the compliance department and was told Capital One did not have a compliance department. A large credit company under regulatory oversight without a compliance/audit department is clearly a falsehood. I do not appreciate being lied to by my credit provider.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Public record information inaccurate

Complaint:
Hello : After filing disputes. Trans Union continues to report inaccurate Public Record. 

In XXXX, I tried to file bankruptcy, but the court rejected the claim based on my income was too high to qualify under Chapter XXXX. A year later, I reapplied under Chapter XXXX. Which was approved. 

Trans Union is still reporting that original void/denied filing. There is ONLY one filing from XXXX. I am enclosing the court documents to show the case reference and docket number. I am including a letter from my attorney, to show that the Trans Union Reporting reflects another Attorney 's name. 

My goal is for them to remove the erroneous original filed Bankruptcy. The one that that the court did not approve. Just like XXXX  and XXXX  have already verified through the courts and corrected my credit file. 

To be clear. My original XXXX filing was for Chapter XXXX. I did not qualify. A year later, I refiled under Chapter XXXX. Which was approved by the court. My legal counsel suggested before the case was discharged to convert to XXXX. Which is why the Discharge reflect XXXX. 

I realize it is confusing. However, the court can confirm the approved Chapter XXXX and the Discharged XXXX. All as being the same case. They can also confirm. That the original XXXX filing was denied by the court. 

Should CFBP need any of my Chapter XXXX documents. I can dig them out and forward. 

Thank you very much. 
Please see the attached documents. 

CASE NO. XXXX DOCKET XXXX ; DATE OF DISCHARGE ; XX/XX/XXXX HONORABLE JUDGE XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09
Company: BROKER SOLUTIONS, 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 status incorrect

Complaint:
XXXX XXXX XXXX is falsely reporting an alleged 30-day mortgage late payment on a joint mortgage I have with a family member. 
I contacted them through my Loan Advisor to get them to delete the false late but they responded saying no. 
Because, since that alleged late payment ( XX/XX/XXXX ) they since transferred the Servicing to XXXX XXXX XXXX ( XX/XX/XXXX ) I can not access the actual pay history in XXXX XXXX 's portal or any other way. 
I provided XXXX XXXXXXXX XXXXXXXX XXXX Statements from my family member which clearly show EVERY SINGLE PAYMENT XX/XX/XXXX-through XX/XX/XXXX paid within 30 days of the due date. They are not acknowledging the fact. 
XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: EQUIFAX, INC.
State: TX
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:
Hey Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud account off my report. Attached is my ID and my report I filed for identity theft because these accounts was not mine. Have them remove these. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
We where offered {$45.00} statment credit if we set up three bill payments. Only received 1 {$15.00} credit for XXXX. Called customer service XXXX and was told to wait a business cycle. During that time filed a verbal complaint. On XXXX called and filed 2x complaint about missing reoccurring bill payments. Completed multiple XXXX cell reoccuing payments and set up XXXX car insurance in reoccurring biannual payments. Customer service XXXX refused to give me complaint numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: Experian Information Solutions Inc.
State: NY
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 leased a XXXX car from XXXX XXXX towards the end of the XXXX, they took a one-month payment right away, we never received the paperwork in XXXX, XXXX to make the payment, also during the COVID time our XXXX XXXX XXXX was shutdown since second week of XXXX and then on XX/XX/XXXX, I had a newborn baby by XXXX and also got XXXX during the same time. I have been admitted in and out of the hospital all XXXX and till XXXX, not trying to touch the mails as well due to XXXX. After that, I opened a mail received from them stating that I need to make a payment I am past due, I called and tried to find out if there is any help I could get, they agreed to give me further support for a month to month basis, not a stated by Governor of NY that for 3 months we would get support. I was fine with that also and I have made the payments somewhere in XXXX and now I am current I guess. All the other com [ anies I has loan or lease helped me and no credit reporting was done, but XXXX XXXX XXXX reported to the credit bureau for 60 days late for the month of XXXX and XXXX and this is affecting my credit and also looking at this my XXXX credit card has also tremendously decreased the limit. I tried to contact them, but they denied the request for removal from credit reporting on the letter that I had to send, for this purpose they no phone support, everything has to be mailed and waited for. 
Looking for help from as this time was tough and they should have helped, besides XXXX XXXX XXXX had made sure that I don't get help from any credit-related matters and during this pandemic time, I would need it. I have attached a copy of my credit report done by XXXX and the letter I sent them.

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 2017-11-09
Company: Navient Solutions, LLC.
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
Hi, I am having problem with my student loan agency. They continue to call me after I have made a posted dated payment over two weeks ago. They informed me if I made a posted dated that the call will stop. However they have call me almost everyday and multiple times a day. Every time I told them the same thing, that I made a posted dated payment. I feel like I am being harassed ....

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
A fraudulent credit card application was made using all my personal information and on XX/XX/2017 {$20000.00} was charged on a Capital One credit card. I did Not make application for this Capital One credit card and I did Not sign for this application in person, on paper and mailed, or online. I alerted Capital One of the fraudulent application and charge. I have a fraud alert in all 3 credit bureau 's and I attempted to file a fraud credit card report with the Sheriff division however, their opinion is it's a civil problem and it's between you and the credit card company. Capital One closed the account however they later changed the credit card numbers and continued billing me after they had closed the original account under a new set of credit card numbers. In order to maintain my excellent credit score and good credit reports I began to pay minimum payments until the fraud issue could be completed and the account would be closed permanently. Unfortunately, Capital One did not report the credit card fraud to the 3 credit bureau 's and only reported the amount of {$20000.00} of which ruined my near perfect credit score. I have requested several times a copy of the signed credit card application showing my signature and how it was signed. As of today 's date Capital One has not provided any of the documents I have requested of which is under the consumer 's regulatory mandated rights. If I do not receive resolution to this fraudulent credit card claim I will be forced to seek legal council to rectify this issue. I will also forward this information to other governmental agencies in regards to how Capital One has handled this fraud claim.

Best Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: Home Point Financial Corporation
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I submitted in XXXX a application for a streamline refinance to lower my payment by lowering interest rate. I was told I was approved. My loan officer was negligent in not responding to any request, I then contacted her manager and again no response. I then submitted a email to the managing director XXXX XXXX who then escalated things and it begin to proceed. I was expected to close this month, but last week I get a email from the loan processer after almost 3 months and several escalations only to be told they somehow listed this as a 2nd lien and it should be a first. The only thing I can see is currently they are making money on the higher interest rate therefore delaying me getting a refinance done which will save me money. This is a unfair and deceptive practice and Home point financial should be reviewed and fined for these types of practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24
Company: Experian Information Solutions Inc.
State: NY
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 recently had to pull my credit report because I was going to apply for new employment and found violations on my account which will hinder me from getting new employment. I understand pursuant to 15 US Code 1681a2B that and I quote any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a CREDIT CARD or similar device '' should be excluded from a consumer report. Well I am pretty sure by definition listed in 15 US Code 1681a is the same as 15 US Code 1602 ( l ) which states a credit card is any card, plated coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit. By definition this is my social security card.

I found several accounts which were derived from my credit card a.k.a. my social security card and should by law must be excluded from my credit report. This is a violation of 15 USC 1681a2B. I also did not give written content for none of these accounts pursuant to 15 US Code 1681b2 which is another violation. Consumer reporting agencies are to respect my right to privacy pursuant 15 USC 1681a4 and they did not and violated my rights as a federally protected consumer. I havent been able to sleep, with extreme anxiety, and I am worried I wont be able to get a new job. I have sent notarized letters to this consumer reporting agency and I have not received a response yet.

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 2019-05-23
Company: Klima, Peters & Daly, P.A.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I have previously filed complaints against Peroutka et al and they have provided you with false or misleading information, While it is true one of the loan agreements is in litigation, as of this writing it is not in arbitration because Peroutka refuses to pay the fees. 

The second loan agreement is not part of any litigation or arbitration and therefore their response is false on its face and they are refusing to engage in arbitration as required under the loan contract. They are obviously not taking these complaints seriously and are providing you with false information. they are also in violation of the Federal Arbitration Act and CFPB regulations. Because of the agregious nature of their acts I am requesting that the CFPB file an enforcement action against XXXX XXXX and their attorney and collect a civil penalty in accordance with the regulations. 

To be clear, in their response they said that both loan agreements were in litigation. One was and one was not. Neither are in arbitration at this time. See complaint number XXXX for more information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
In early XXXX, due to the insufficient payment had been made to this credit card account. The company closed my credit card account, but I continue to make a payment every month. 

The interest of this credit card was getting higher and now is 26.99 %. I still own {$4300.00} on this card and I make a minimum payment of about {$140.00} per month which also included about {$100.00} of the interest. In XXXX, I have made {$1000.00} of interest to this card and It is 1/4 of the amount which I own on this card. 

I want to pay off this card ASAP, but the high interest makes it become forever. I don't wont to run into the debt collection program because it will also hurt my credit score. 

I was wondering if there is someone can deal with the bank and try to low my interest as the normal rate. Then it will extremely save my time to pay off this card. 

Thank you very much for your consideration, 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 2018-09-24
Company: EQUIFAX, INC.
State: NY
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:
A XXXX XXXX credit card that was opened in XXXX was sold to a debt collector XXXX and I settled with them in XXXX of XXXX. In XXXX XXXX notified XXXX  and the account was deleted from my report but Equifax and XXXX  re aged account with severe derogatory status and I have been denied 3 loans recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09
Company: Experian Information Solutions Inc.
State: MD
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 had been applying for a home loan, and my lender told me that my credit report showed two credit card accounts with XXXX XXXX, one of which had outstanding payments due since XX/XX/XXXX. I only have one account with XXXX XXXX, so I called XXXX XXXX about the error on XX/XX/XXXX. On that date, I spoke with XXXX, employee XXXX who determined that XXXX XXXX likely opened a duplicate account as both my current, real account and the improper account had the same application date and parameters. XXXX promised to have this information corrected with all three credit bureaus and to send me a letter confirming the same so I could share with my lending bank. An entire MONTH later, I had received no confirmation or return from XXXX XXXX. I called again and spoke to XXXX employee # XXXX who told me that the first agent had never filed the proper paperwork to remove the erroneous account from my credit history with the credit bureaus. She ensured me that she would file the dispute and all necessary paperwork and fax me a letter saying the same. By XX/XX/XXXX, I still had not received a letter or any confirmation or update so I called XXXX XXXX again. This time, I spoke with XXXX employee # XXXX who stated that she could not provide a status update on my account and would have to investigate further. After 5 weeks of delay and XXXX XXXX not correcting its error, I am left with no option but to seek assistance from the 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 2018-03-29
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I HAVE SENT 4 LETTER OF VALIDATION TO CREDIT REPORTING AGENCIES FOR A LATE PAYMENT SHOWN ON MY MORTGAGE ON XX/XX/2017, THEY HAVE FAIL TO PROVIDED ME WITH NAME OF PERSON, PHONE, FAX OR CONPLETE CONTACT INFORMATION TO WHOM THEY HAVE SPOKEN TO VALIDATE THESE LATE PAYMENT .THAT I F A VIOLATION OF FCRA , THEREFOR I'M REQUESTING THEM TO DELETE THIS LATE PAYMENT BECAUSE IT HAS BEEN MORE THAN 30 DAY AND THEY HAD NOT PROVIDE 100 % ACCURACY.

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 2018-11-12
Company: MERCHANTS ADJUSTMENT SERVICE, 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: Old information reappears or never goes away

Complaint:
An account appears twice on my XXXX report. I did not receive a 5 day notice as by law according to the F.C.R.A. which didn't allow me to let this company know I would dispute. This company is not licensed to collect in the state of Florida either.

Company response to consumer: Closed with explanation