BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX at XXXX I requested {$10000.00} to be transferred from my Capital One 360 Money Market Account to my brokerage account at XXXX XXXX . The funds were transferred and settled at XXXX XXXX on XX/XX/XXXX. 

Today ( XX/XX/XXXX ), Capital One reversed that transfer. When I contacted their customer service, they can not tell me why the transfer was reversed. Their only solution was that I should wait three to five business days for the funds to post at Capital One and then they can tell me why the transfer was reversed. I asked to speak to a supervisor when I said that was not a satisfactory answer and received the same answer from the supervisor ( XXXX ). 

I then requested how I could contact XXXX to follow-up on the issue so I would not have to spend another 30 minutes on the phone regarding this error on their part and he said he does not have any direct contact ability ( no phone extension or e-mail ) so I would just have to call back once the funds settled back at Capital One and start the process over. 

I asked to speak to someone higher up as this did not seem like a satisfactory explanation and XXXX said there was no one above him to speak with. 

I called XXXX to see if they could stop the transfer and they said the funds had already been transferred to Capital One so there is nothing they could do. They said typically there is a note left to explain why a transfer was reversed and in this case the entire note was just " reversed ''. They also were confused why Capital One needed to wait three to five business days because the funds are already at their institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05
Company: PHH Mortgage Services Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
PHH Mortgage, a subsidiary of XXXX, has discriminated against me as a XXXX person in the US since XX/XX/XXXX and denied on multiple occasions. I am in the process of initiating a HUD investigation. I was declared legally and permanently XXXX in XX/XX/XXXX yet I continued to work and pay my mortgage payments even while ill. Then, in XX/XX/XXXX I became unable to work and my identity was stolen by someone who threatened me and my family with bodily harm. They received an Identity Theft Affivadit. I initiated a XXXX investigation which they refused to respond to because they were under formal, written Cease and Desist yet violated that over 150 times with emails, statements, other communications via US Mail and Certified Mail. They attempted to serve me with foreclosure notices at my previous residence at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. I abandoned the home in XX/XX/XXXX after learning it has XXXX XXXX XXXX that has made me terminally ill with less than 6 months to live unless I receive critical medical attention. I escalated the issues to the Office of the Ombudsman who denied they discriminated against me. I requested Demand Payoff Quotes with waiver of everything except the principle and interest on multiple ocassions. That home is my largest asset and my only daughter 's legacy and inheritance should I pass away. I am in the process of settling the homeowner 's insurance claims and retaining legal counsel for the issues with XXXX Mortgage and the secondary mortgage company, XXXX XXXX XXXX, who holds the HELOC. I will be on XXXX and XXXX later in the year. I currently have no personal assets, no bank accounts, and no credit cards because of the damage done to my credit from the person who stole my identity in XX/XX/XXXX. My XXXX XXXX XXXX father is currently supporting me, and I don't even have money for the bare essentials such as food and water much less XXXX XXXX. My father lives on a fixed income and also supports my older sister, who has learning XXXX, and my daughter, who was a student at XXXX XXXX XXXX and lost her best friend on XXXX 's Day. She is now a student at the University XXXX XXXX  studying to become XXXX  XXXX  and in the process of setting up a division of XXXX in memory of XXXX XXXX who our community lost to 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 2022-08-05
Company: Bread Financial Holdings, Inc.
State: MA
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:
I submitted a payment to arrive by XX/XX/XXXX, from my bank XXXX XXXX XXXX XXXX ). 
XXXX XXXX XXXXXXXX confirmed delivery of electronic check : XXXX XXXX XXXX This was processed. 

However, Comenity Bank/Bread Financial did NOT credit my account with the payment of {$420.00}. 

I called on XX/XX/2022 to redress the situation. They said they'd flag my account, waive the late fees, interest charges. As of today, XX/XX/XXXX, they still have not done that. 

I have also submitted a second payment on XX/XX/2022 which was processed on XX/XX/XXXX and has not been credited to my account with Comenity. That was for {$500.00}, XXXX # XXXX They then applied late charges for non-payment ( {$40.00} ) plus interest charges ( {$8.00} ) as XX/XX/XXXX. 

XX/XX/XXXX : They have also prevented me from making any new purchases at this point ( which is problematic for shopping at XXXXXXXX XXXX ). 

Comenity also opened a new line of credit under their Victoria 's SecretXXXX XXXX XXXX however, I did not give authorization nor permission. Fortunately the balance is XXXX. Their customer fraud team sent me the new card with accompanying information " they suspect fraudulent activity and that I need to submit additional documentation '' however they were the ones who opened the line of credit on my behalf.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-07
Company: Experian Information Solutions Inc.
State: TN
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:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022, XX/XX/2022, XX/XX/2022, and XX/XX/2022 2022

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 2019-09-14
Company: MIDCOUNTRY FINANCIAL CORP
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I had a loan with Pioneer lending as a young soldier in the military. I deployed into a XXXX XXXX for XXXX months and became XXXX XXXX. When I contacted this company to tell them about deployment so that SCRA protections would fall into place, they never took action. When I became XXXX serving my country, the company did not look into the " XXXX protection '' on my account- when my Wife made them aware of the XXXX blast. Instead, this company continued and still continues to hike on excessive interest rate- for years. To the point that this company now reflects a {$11000.00} balance on a debt that was originally {$4100.00} written off after I became XXXX. That is {$7400.00} added to the initial balance. How is that legal, when there is a cap on interest rate so that soldiers are protected from companies like this? Why was my XXXX protection that I paid for monthly, not used when I became XXXX? This company is predatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
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:
This is my Sixth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-09-25
Company: AES/PHEAA
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
In XXXX XXXX I submitted proof of working for a government agency to XXXX XXXX. On XXXX XXXX, XXXX, my IDR repayment re-application was approved by XXXX XXXX. On XXXX XXXX, I made a payment to XXXX XXXX for my bill that was due at the end of XXXX. At the end of XXXX, my account got transferred to my XXXX XXXX as a result of me working for a government agency. 

When my XXXX XXXX got my account, they did not get proof of my XXXX payment ( which was 2 weeks early ). They also did not get the memo that my IDR repayment plan was approved. As a result, as soon as my loan got transferred, my XXXX XXXX began harassing me about my payment being late and my account being delinquent ( which it was n't -- see attached proof of payments ). In addition, my fed loan sent me a bill for over twice the amount of what my bill should be under IDR. I have called, email, and chatted with them repeatedly, and gotten different answers every time. 

My XXXX payment was on time. My IDR re-application was also on time. But now this company wants me to pay the XXXX repayment amount for my XXXX bill ( if I wanted to be on the 10 year repayment plan, I would n't have submitted proof of income and gotten transferred to this servicer ). They are also constantly harassing me about my payments being late, which they are n't. This company is penalizing me for doing everything right.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-05
Company: EQUIFAX, INC.
State: IL
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX ; XXXX XXXX XXXX {$5100.00} ; XXXX - XXXX   ; XXXX XXXX {$720.00} ;

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Bank XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX Auto XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX  Sys # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX Missouri XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX all 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 account without my written instructions.

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 2020-11-06
Company: Risecredit, LLC
State: WI
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:
Company was paid in full in XX/XX/XXXX, however they are currently reporting to the credit bureaus negatively. I tried to dispute with credit bureaus XX/XX/XXXX in writing and contacted Rise in XX/XX/XXXX to remove inquiry with no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
Company: EQUIFAX, INC.
State: WA
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My mortgage company is Freedom mortgage. Last month I contacted them with regards to an equity loan with the hope of paying off high interest debts. I was contacted by XXXX XXXX who is the loan advisor and I explain what I wanted to do adding also that I was a retired veteran and XXXX. XXXX XXXX later told me that I would be charged {$1000.00} as a rate lock fee but it would be refunded if my loan request was denied. I thought it sounded legit at the time but later XXXX XXXX told my interest rate would increase considerably however, I could always lower the rate later if I chose an IRRRL ( Interest Rate Reduction Refinance Loan ). I did not think about it at the time, but she left out the part that for veterans with service connected disabilities can have that fee waived. Whether she left that out deliberately or not, I decided to cancel my request for the loan for now and I subsequently sent her an email telling her to discontinue the loan process. XXXX XXXX wrote back stating that she was sorry I was not happy with the offer and that all the fees had been waived. I thank her and I thought that was the end of it. However, a few days later I noticed that my credit card still had the charge and it the {$1000.00} they had charged me was not refunded. I immediately contacted XXXX XXXX about the situation and after a few days she finally responded. This time she stated that rate fee was not refundable unless my loan was denied which sounded absurd because I contacted her even before the processing of the loan. I believe Freedom Mortgage is engaging in unfair practices and deceptive practices by refusing my legal rights. Nothing was ever said that they would not refund my fee if it was for anything other than my request being denied. I also feel they took advantage by excluding me of my certain benefits in being a veteran and XXXX. I contacted legal advice who referred me to your website.

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 2023-02-15
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I began to have issues with my account when I purchased items online and then returned them. I made a purchase from XXXX XXXX on XX/XX/2022 for {$170.00} and made purchase from on XXXX XXXX XXXX for {$120.00}. I returned XXXX items and was issued a credit of {$120.00} from XXXX. However, the credit was supposedly applied to XXXX for {$120.00} took the balance {$2.00}, Now after months {$53.00} balance that has reappeared. There was another credit is from XXXX on XXXX XXXX for {$230.00} however, the items were billed as XXXX different transaction instead of XXXX {$76.00}, {$97.00} and {$65.00}. The items for {$97.00} was fully returned and a additional {$20.00} was issued for sale adjustment. I ask to explain were the XXXX was applied, no one could explain. So the credit of {$110.00} was issue towards the balance of {$230.00} purchase. I ask if this credit was applied correctly the said it was correct and the rep filled out a dispute. I have spoken to several reps who state that credit are being issue just to other things on your bill. I asking for all the XXXX, XXXX and XXXX 's item to be researched. Also, ask that all credit that are issue are issue to the out balance from the merchant that issue it. They keep adding back items by miscellaneous adjustment and it is not adding up correctly. I really dont understand how I and getting rebilled for {$53.00} after contesting the credit that should have been a XXXX XXXX credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: Experian Information Solutions Inc.
State: PA
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2018-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Company is repeatedly reporting my account past due under 30 Days further hindering my credit report or dulpicating amounts under 30 days raising my debt to income ratio. I have tried to resolve it several times and the company fixed a recall on my car and damaged in the process and refused to assume liability causing me further hardship. But the are damaging my Credit Reporting My account past die when its under 30 Days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: EQUIFAX, INC.
State: LA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
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 have a loan with XXXX XXXX FINANCE. I have always made my payments on time. Ive contacted the bank about the issue & they continue to fail to provide me with verifiable proof. Ive disputed it with all three ( 3 ) credit reporting agencies & they too are withholding any verifiable proof. I believe their records are wrong & Id like this matter handled ASAP. Please update to paid as agreed/never late. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/2020 Balance : {$3400.00}

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 explanation
Consumer complaint received 2021-09-24
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: Information belongs to someone else

Complaint:
I filed an FCC Identity Theft report and forwarded the documents to Transunion. By Law, The entries were entailed in my dispute letter and must be removed/blocked within 4 days of the Bureau receiving the documents. Transunion received the documents by USPS certified mail on XX/XX/21. The date as of today is XX/XX/21, yet Transunion refuses to comply by FCC and FCRA compliance laws and block the accounts. The fradulent tradeline is XXXX XXXX XXXX. The fraudulent inquirees came from, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and 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