BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
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:
CAPITAL ONE BANK FAILED TO REMOVE AALL HARD INQUIRIES FROM XXXX AS PROMISED.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23
Company: Asset Management Outsourcing, Inc.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I went to XXXX XXXX XXXX XXXX in GA which was not my regular doctor. Prior to seeing the doctor, I asked the in-take person at the front desk to call my insurance to verify that I would be charged the usual {$30.00} co-pay as a normal doctor 's office visit ONLY. I waited while she verified the charges with my insurance. She said she was told that the charges would be the usual {$30.00} co-pay and so I agreed to see the doctor and paid the {$30.00}. About a month later, I started receiving a bill stating that I owed {$160.00}. I call them up and also called my insurance and the insurance said how they coded it was incorrect and I told both the insurance and XXXX XXXX XXXX XXXX that they need to figure it out and that I would not be paying the {$160.00}. XXXX XXXX XXXX XXXX turned it over to collections to a Creditor called XXXX XXXX XXXX ( XXXX ) XXXX and they reported it to the credit bureaus and not this is impacting my credit score and I am buying a house. Please help me. Thank you! ( XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
i have filed a dispute in regards to the incorrect itemson my credit report. it has been well over 30 days and i have not received any investigation results. 

following inquires on report not recognized and disputed XXXX  XXXX date:XX/XX/2020 XXXX XXXX date:XX/XX/2020 XXXX XXXX date:XX/XX/2020

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 2020-07-28
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have submitted paperwork for a loan modification but I still have not heard anything I left a mess with Ms XXXX XXXX XXXX I still have not heard back from her I did talk to someone Named XXXX and he is on e of the agents at Rushmore but he gave confusing information, to say that I should XXXX short term refi and that I would not get a market rate ..All I am trying to do is save my house with a fixed rate so right now I feel that I am stuck ..SO I NEED ALL THE HELP I CAN Get to save my house

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: EQUIFAX, INC.
State: NJ
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 personal information was leaked on to the dark web and used to purchase a vehicle from XXXX XXXX XXXX XXXX, the following accounts is unauthorized and unverified : XXXX Account # XXXX, XXXX Account # XXXX, Equifax Account XXXX XXXXXXXXXX****. I am writing this report in hopes to get the problem resolved as soon as possible. I uploaded a FTC report as well as my Driver license and bank statement for proof of address. thank you very much...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23
Company: United Student Aid (USA) Funds
State: OH
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:
USA Funds reported a balance increase on a closed account and the account has been closed for a long time. This account has continually been passed around from creditor to creditor and I am sure it is illegal for it to still be on my account. There was no reason to report a balance increase on a closed account. Wherever USA funds got this account from, it is too old to be reported on my credit. They need to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23
Company: ERC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I filed a compliant with your agency in XX/XX/XXXX, company never verified debt with collection agency and it was deleted from credit report. In XX/XX/XXXXit was sold to another agency which is reporting in my report without validation. 
Consumer Financial Protection Bureau Reference Number : XXXX ; XXXX XXXX Date : XX/XX/XXXX XX/XX/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 2020-07-28
Company: BARCLAYS BANK DELAWARE
State: CA
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 customer service

Complaint:
Customer Service is extremely rude XXXX, and hung up the phone on me on XX/XX/XXXX. I asked for a balance transfer, then I asked to speak with a manager, they refused to let me speak to a manager, and then Hung up the phone. I then called in again to call up to complain, the XXXX XXXX working on the phone, placed me on hold for 15 min and Did Not File my complaint. Rudest customer service, and I wil

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 2018-11-08
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:
I need your help with Equifax, XXXX, XXXX  that is reporting bankruptcies and other accounts that are not mine. Please have them to prove where I filed bankruptcy and opened these accounts. I would like for the incorrect information to be removed from my report immediately. XXXX1. Bankruptcy : Discharged CH-XXXX Equifax : XXXX-XXXX-XX/XX/XXXX XXXX : XXXX   XXXX : XXXX.

2.XXXX XXXX Equifax : XXXX XXXX : XXXX   XXXX : XXXX.

3.XXXX XXXX Equifax : XXXX  XXXX : XXXX.

4.XXXX XXXX XXXX XXXX  : XXXX 5.Bankruptcy : Discharged CH-XXXX   Equifax : XXXX-XXXX-XX/XX/XXXX XXXX : XXXX XXXX : XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-13
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have XXXX XXXX, XXXX XXXX and a XXXX XXXX XXXX credit card account that are all managed by Comenity Capital Bank. ( The first 2 have  balances, that I'm trying to pay off. ) Like many consumers, I pay my bills online. However, Comenity Bank does not allow auto pay on a recurring basis. If this feature were incorporated, I would not miss any monthly payments and deal with the sequela of late fees and a ding to my credit score. It's in the bank 's interest to NOT add this consumer friendly feature. 

I had a Virgin America Visa credit card that is managed by Comenity Bank. The account has been closed, since Virgin was sold. Comenity allows recurring auto payment to this account, so I know there must be a coder out there that can add this. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: EQUIFAX, INC.
State: VA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-25
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I Have filed several FTC reports with Identity Theft. Gov regarding the account with XXXX XXXX XXXX Act # XXXX It needs to be removed from my Equifax consumer report immediately as it is removed from the other 2 reporting agencies and it needs to be removed according to 15 USC 1681 ( i ) regarding Identity theft I sent the documents and they where confirmed receipt on XXXX I have it attached and Equifax as passed the expiration date of 4 Calendar days and that is a violation. 

In addition I sent them information regarding the student loan Navient that according to FCRA law 623 ( a ) ( B ) should be correct as I was in deferrment and made a payment so there is no way that I would be 90 days late. 

I want XXXX to be deleted off of my consumer report immediately as well because it has not corrected itself and its just been violation after violation and the only means to get the matter rectified is legally but regarding the consumer report they are in violation of reporting accurate information and therefore EQUIFAX must correct the inaccuaracy buy removing the 90day late payment remark. 

This has caused me to loose millions and caused me to not be able to obtain credit and I am seeking litigation starting with the violations and some damages starting at XXXX and its increasing more and more as I have lost employment and business opprotunties and housing do to equifax negligence in accuracy reporting and investigations.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-16
Company: AmeriHome Mortgage Company, LLC
State: RI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have a mortgage with XXXX Mortgage. In XXXX XXXX XXXX, I initially applied for a loan modification. I have faithfully submitted the required paystubs, bank statements, tax returns and documentation requested by XXXX since my initial submission. However, XXXX has continuously informed me that my application was complete and then sent me letters stating that documentation such as paystubs and bank statements had expired and that I would have to re-start my modification all over again. 

I believe that XXXX has purposefully kept my request for loss mitigation assistance in abeyance through duplicative and redundant requests for documents which they have already received. This appears to be a pattern and it may not be an isolated incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07
Company: COAST PROFESSIONAL INC
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I've disputes this account several times with the bureaus and with the Federal department of Education as well with their collections agency Coast Professional Inc. They've ignored my request for payment in exchange for the original document of indebtedness in its original form. They have failed to validate the loan, they have sent me letters with balances and not an acceptable form of validation or verification that the loan was indeed mine. I was sent from Coast Professional Inc a wage garnishment notices together with a hearing request which I sent all the form back with all my information and a request to have a phone hearing scheduled and yet AGAIN they have ignored my requests.

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 2018-11-08
Company: PNC Bank N.A.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XXXX $ has been taken by PNC bank from me on XXXX XX/XX/2018. They also know that I have been a victim of fraud but they aren't helping in any possible way. I am an international student on loan and I have lost everything because of PNC.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-02
Company: DISCOVER BANK
State: OH
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:
XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XXXX  XX/XX/XXXX - XXXX XXXX  XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - Discover Bank XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX   XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX Fraud Inquiries. They won't remove

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-23
Company: LEXISNEXIS
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
My name is XXXX XXXX and i reside in XXXX XXXX Nevada i have been here sinceXX/XX/XXXX, i am a registered voter and i have my Nevada identification state cards fromXX/XX/XXXX to present XXXX which i just provided to Cfpb. There is a chapter XXXX bankruptcy on my credit file for US bankruptcy XXXX Alabana from XX/XX/XXXX But there are no accounts on my credit reports to support this. I contacted the courts and they advised me to take up with the courts. Also the US Bankruptcy Clerk advised they do not disclose information to 3rd parties. Such as lexisnexis who provided this inaccurate information to XXXX  and XXXX I did not file a chapter XXXX in Alabama in XX/XX/XXXX. I was living and working in Nevada in XXXX. Also there isnt one account on my credit report that shows included in Bankruptcy to support their findings. I am asking for supportive documents to proove its mine, accounts included, and how verfied. lexisnexis possibly have me mixed up with my daughter. similar names can be mixed up and reported in error. My daughter has same name as me .and she resides in Alabama XXXX How can i obtain a residence, drivers license, and job, voters card, lease from XX/XX/XXXXshowing my residence here in Nevada and file a bankruptcy in AlabamaXX/XX/XXXX. doesnt makes since.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12
Company: Experian Information Solutions Inc.
State: TN
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2020-10-19
Company: SYNCHRONY FINANCIAL
State: MA
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:
Hi & How are you doing? Im little confused how the late payments is reporting on my credit report. Basically, I am requesting this investigation under the authorization of the Fair Credit Reporting Act 623. ( a ) ( XXXX ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The late payments you have reported to the XXXX credit bureaus.

My basis for this dispute is that this account was always paid in a timely manner, during the months in question, which you have reported as being late.

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 2020-04-09
Company: CITIBANK, N.A.
State: IL
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 or around XX/XX/2020 I initiated a balance transfer from my XXXX Citibank credit card to my XXXX XXXX XXXX  credit card. On XX/XX/2020 XXXX XXXX showed the {$700.00} transfer. As of XX/XX/2020 XXXX Citibank still does not show the {$700.00} credit. I have attempted to contact Citibank but there customer service does not let you talk to a live person. I have sent 2 messages, no response. I sent XXXX XXXX a message, no response. I am continuing to accrue interest charges on the same money in two different banks. I don't see this clearing up anytime soon, that's why the complaint.

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 2020-09-11
Company: General Motors Financial Company, Inc.
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I see multiple 30-120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: JPMORGAN CHASE & CO.
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I and my granny did an online application on XX/XX/2020 with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX ( XXXX ) XXXX for a XXXX XXXX XXXX where she co-signed for me, and they called and told me I was approved and granny and I could come pick up the truck. When we got there they showed me and granny the truck and we came back and sat down and signed papers for truck and XXXX nut a downpayment of {$1000.00} down ( that I was not supposed to pay ). At the time I did not realize the annual percentage rate was inaccurate, the finance charge amount was inaccurate, the amount financed was inaccurate, the total number of payments was inaccurate, the monthly payment was inaccurate and I was not supposed to pay sales tax in Illinois because I am not a resident of Illinois ( and was not a resident of Illinois at the time of purchase ), all warranty services they charged me for are not valid ( they said I do not have any active warranty other than the manufactures warranty, and that I had been abused and deceived.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-14
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
This debt has been on my account for than the allotted 7 years. According to law, it should be removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX XXXX XXXX XXXX XXXX constantly threatens to foreclose on my property. B of A owns the second deed of trust on my property and has hired XXXX XXXX XXXX XXXX XXXX. I tried to do a loan modification with B of A but was unsuccessful because they keep moving the loan to different services. I tried unsuccessfully with the past services to do a loan modification. On XXXX/XXXX/XXXX through the XXXX Bankruptcy XXXX case # XXXX, I was XXXX of my debts under Chapter XXXX ( including the second deed of trust ) under section XXXX of title XXXX XXXX Code ( the Bankruptcy XXXX XXXX. On XXXX/XXXX/XXXX, XXXX XXXX XXXX sent me a letter " to help you avoid foreclosure ''. To " avoid foreclosure proceedings '' I must pay {$42000.00} by XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, I received a priority Mail XXXX slip from the XXXX from this debt collector. This is just XXXX examples of the many threatening letters I receive from them. At the end of the letters it states, " if you have received a bankruptcy discharge, this letter is for informational purposes only and it is not an attempt to collect a debt ''. The letters are very threatening compared to the other debt XXXX B of A has used in the past.

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