BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-23
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 information incorrect

Complaint:
Time payment is reporting me late. I never was late I believe its the credit bureau I made time payment on time forever. please fix this This is illegal

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: AMERICAN EXPRESS COMPANY
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Currently, I'm unable to pay my credit card bills due to financial hardship. I've received numerous calls from them and it won't stop, please see below : XXXX XXXX, 2020 at XXXX XXXX XXXX, 2020 at XXXX, XXXX XXXX XXXX, 2020 at XXXX, XXXX XXXX XXXX, 2020 at XXXX XXXX XXXX, 2020 at XXXX XXXX XXXX, 2020 at XXXX XXXX XXXX, 2020 at XXXX, XXXX XXXX XXXX, 2020 at XXXX XX/XX/ 2020 at XXXX, XXXX XXXX XXXX, 2020 at XXXX XXXX XXXX, 2020 at XXXX Debt owed is : {$3600.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX, I reached out to the CEO of Capital One via email. The email I sent over was a goodwill letter asking for forgiveness and an adjustment for 7 late payments that I acquired from XX/XX/XXXX to XX/XX/XXXX. I explained in the letter that my late payments were due to financial hardship. During that time, I had lost my job and suffered XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I received a call from a XXXX from the executives office on XX/XX/XXXX regarding the letter basically informing me that theyll look into the matter and by the end of the week, I should expect a response. The following day, I received another call from XXXX at the executives office stating theyre not willing to adjust the payments but refused to inform me why they chose to decline. Attached is the letter that I sent via email to the CEO.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
At the beginning of 2019, I called Capital One and had my payment Date changed from the XX/XX/XXXX of every Month to the XX/XX/XXXX of every Month. This is inline with my pay dates as well as budget constraints. 

On the XX/XX/XXXX, I called Capital One to make my XX/XX/XXXX payment. I was advised by recording I owed {$60.00} due XX/XX/XXXX. This is 1. not my payment date and 2.exceeds the minimum monthly payment. 

I than spoke to a frontline agent who kept advising she could do nothing and read a statement in regards to payment dates. I than escalated the call and spoke to the " Supervisor '' who stated " some '' cards had their payment dates changed. She also advised it would take multiple cycles to change my payment date back to the XX/XX/XXXX and that the XX/XX/XXXX would be my payment date going forward. 

This in essence puts me back to where I started Months ago. I will have multiple late fees on the account due to not being able to hit the 1st. payment Date and as such will not be able to change the payment Date. 

I would also like to know why my card was singled out from the rest to have the payments changed? Are the other people who did not have their Dates changed going to have late fees assessed as I am going to? 

I feel like this was a deceptive act to appease me by amending it originally, than moving it right back knowing I initially moved it for a reason.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 


XXXX XXXX XXXX  XXXX XXXX INQUIRIES : XXXX XXXX XXXX XXXX , XXXX. : XX/XX/XXXX XXXX : XX/XX/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 2019-05-01
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Experian continues to refuse to lift my credit freeze. They keep sending me letters in the mail giving instructions to call the toll free number, submit the request online, or mail the request. 

I have mailed the request 4 times in the last year and the problem has NEVER been fixed. 

I have called the toll-free number. There is no option to talk to a person. I am given a voicemessage saying that I should submit online or via the mail. 

I have submitted the request through their online system dozens of times with the provided PIN code. The request is always rejected telling me to call the toll free number or submit via the mail. 

I submitted a complaint previously through CFPB and Experian 's response was call the toll free number, submit online, or submit via the mail. I still can not get the freeze removed from my credit report. What do I do now?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-05
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Dear CFPB, I entered into a forbearance with XXXX  ( Lakeview Loan Servicing ) on XX/XX/2021 for a 2 month forbearance! The only reason I entered into forbearance was because I forgot to file for homestead on my residence so my monthly payment went up {$600.00} a month. I called XXXX and advised them that I filled for homestead for this year so that my escrow amount will be drastically less with the homestead exemption and the save our homes cap in Florida. I was curious if I could do a modification or something to lower my payment as the {$600.00} difference made expenses extremely tight! 

XXXX advised that they only do modifications or any kind of assistance for borrowers only if they are in default! This seems like a horrible lending/servicing practice! Seems as though their main drive is for profits and forced foreclosure. 

So forbearance ended and I called into XXXX and they said it would be 30-45 days to find out if I could get a modification. They didnt offer any other kind of option for repayment, deferral, etc. So I kept calling to inquire as to what the solution was and they said they would let me know. There was never a call or email at all from them! 

In late XXXX I received a letter stating that Yes a hardship, but basically we dont care and the entire forbearance amount was owed or foreclosure would commence. They are entirely going against the CaresAct and in every blog, forum it is all the same with XXXX as they are doing this to everyone as to try to foreclose. 

Prior to COVID I was even paying a bit extra each month and I have been asking for leadership to call me to no avail! So basically with no prior notice, warning, information or discussion they expected {$4100.00} for the forbearance amount due on the XXXX of XXXX and $ XXXX for XXXX Payment. 

Plus as a side note when my mortgage was originated in my XXXX dashboard my home value was $ XXXX, but now its $ XXXX which sounds like incentive to basically force borrowers into foreclosure. 

Here are only a few examples of their practices as people are defenseless against these deceptive practices and I would imagine that forcing the entire forbearance amount to be paid is illegal according to the CaresAct?? 

Thanks 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 2019-09-23
Company: I.C. System, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom It May Concern, The reason for my dispute is I C SYSTEMS COLLECTIONS # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). 
However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, I C SYSTEMS COLLECTIONS failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) I C SYSTEMS COLLECTIONS failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation I C SYSTEMS COLLECTIONS is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where I C SYSTEMS COLLECTIONS is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report I C SYSTEMS COLLECTIONS has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

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 2021-02-11
Company: Square Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
Someone had stolen XXXX dollars from my square ash app. account, and when I had ordered a back charge as they asked me to do. Someone in that company got mad and closed my account for a false reason. And removed the DNS settings from my website that I bought from them on XX/XX/XXXX. There rendering the website from working or showing up. I tried to email them but they blocked my email. When I asked them not to shut down my website because I was going to get it transferred they removed the DNS settings so that it would not work. I paid XXXX for it on XX/XX/XXXX, and that was for the whole year. Its expiration date is XX/XX/XXXX. And my website is not working because of what they did out of spite and hate. The name of the website that was removed is http :XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-23
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I recently opened a PayPal MasterCard account with a {$700.00} limit through Synchrony Financial. Following my first payment, I started having problems using my card. I got this card to use daily similar to a debit card and pay the balance in full each month. 

The first month, I had a balance of approximately {$400.00} which I paid on time and in full. About five days later, I attempted to make a purchase at a restaurant only to have the card declined. I called Sychrony to determine why I could not use my card even though I paid in-full and on-time. The  response given was that a hold was placed on my payment and that my full credit limit will be available 5 business adys from the payment date. 

The next month, I had a balance of {$670.00}. I paid-in full, on the due date online on XX/XX/XXXX and received an email confirmation of payment at XXXX CT on XX/XX/XXXX. Watching my account to see if they would be placing a hold on my account again, I noticed I was charged a late fee. The website showed I paid on XX/XX/XXXX and a {$25.00} late fee was assessed. Again, I called. This time, it was to dispute the late charge. I was informed that the charge was waived ( so kind ) in addition to my account being placed on hold ... again. This representative said it was federal law to put payments on hold when it was a " huge '' payment. I asked what constituted a " huge '' payment. I got no satisfactory explaination. The representative said that my balance would be available in 5 days. 

Today, XX/XX/XXXX, I attempted to purchase necessary medications ahead of the XXXX holiday since my pharmacy will be closed. Yet again, my card was declined for a {$20.00} purchase. I called for a third time. I got no help from the representative other than my credit would be available in 5 days. He could not give my a reason why my account was still on hold even though I paid on XX/XX/XXXX and the payment cleared my bank XX/XX/XXXX. He attempted to say I made multiple payments which I did not. In the end, the call was fruitless. I will be closing this account as it does nothing for me to have a credit card I ca n't use when I need it. I 've met my obligations by paying my account on-time only to be declined when I need to use the card with no decent explanation or attempt at remedy.

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 2019-09-23
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I believe if you look at your records this is my 5th complaint with Capital One. The last one I submitted over 45 days ago and heard 1 time from Corporate Office on XX/XX/XXXX. XXXX who is supposed to be a Supervisor at the Capital One Corporate Office clearly stated that she would look into the fraudulent charges on my account and assured me that she would get back to me within 1 week. Well, here we are XX/XX/2019 and I am still yet to hear back from her or ANYONE from Corporate Office regarding this matter. Since XX/XX/XXXX, I have called 4 times and left 4 messages with her voicemail. In the meantime while she is supposed to dispute these charges and investigate them Capital One is still calling me harassing me about payments. They have negatively marked my credit report and my credit score dropped 81 points AGAIN. They call at least 8 times a day and even on Sunday 's. I have all the calls documented. It's so frustrating that they continue to lie and ruin consumers financial well beings. This has put an extreme amount of stress on my health and I will continue to gather information regarding these issues, as well as all of my health records regarding this matter and as of last week I started recording all my calls to the Corporate Office as proof that they NEVER answer the phone. I have phone records highlighting the ONE time that I heard from Corporate. It is BEYOND RIDICULOUS that they are able to get away with this to consumers. This needs to be addressed by someone at their highest office who ACTUALLY knows what they are doing. They should be embarrassed of themselves and the treatment that they give their  consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23
Company: CITIBANK, N.A.
State: AR
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:
Though I still have my credit card with me, somehow my information was stolen, perhaps by a gas pump card reader, which I suggested to the credit card investigator, and a charge of XXXX dollars was used against my card. The credit card company called me and told me about suspicious activity and I immediately cancelled the card and was sent another one. They did not suggest me filing a police report, so I did not think about it. An investigator did call and I suggested maybe my card info was stolen by some type of card reader. The purchase was made on XX/XX/XXXX and the info state XXXX XXXX XXXX XXXX   XXXX, PA. I have never been to Pennsylvania, let alone XXXX. I tried to explain this to the investigator..What they are claiming, since I never lost the card, that it isnt fraudulent Which is obviously not the case, somebody stole my identify info. I have records showing I was at work here in Arkansas when the purchase was made in XXXX, PA. I would love to match my signature with the bill of sail. This is ridiculous.

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 monetary relief
Consumer complaint received 2019-09-23
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I`m disputing these accounts below because I can not get no answer or response from the creditor. I `m asking for assistance in resolving this matter as quick as possible. I know according to credit laws, you must report any and all accurate information on my credit report and if there are any inaccurate information, then it could be subject to violation, which can result into a small claim suit. Please see the accounts below and the reasons for me disputing this information. 

TD Bank- account # XXXX this account is in violation of the credit reporting act &  passed the 4 year of Statute of Limitations of Civil Practice and Remedies Code, S.16.004 reporting for the state of Texas. Per my records, the creditor previously verified this debt as valid. So, I sent the creditor a letter requested a copy of the legal binding contract signed my me and or offer settlement of this debt for deletion. This letter was sent certified mail on XX/XX/2019 and received and signed by XXXX XXXX and I have not received no response and its been 45 days or more. I enclosed a copy of the certified card, for proof. Based on this information, this account need to deleted. In addition, the balance was updated XX/XX/2019 showing this is a current debt for 2019, which is also inaccurate, because the balance as not changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23
Company: Experian Information Solutions Inc.
State: IL
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:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

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 2020-05-03
Company: AMERICAN HONDA FINANCE CORP
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I walked into XXXX Honda on XX/XX/2020 with a approved loan with XXXX XXXX in the amount of {$50000.00}. When I sat to make the purchase I explained I didnt want my credit ran with no other company. I was assured by XXXX XXXX ( sales rep ) it would only be ran with XXXX and XXXX XXXX. Three days later I went online to check on my report to see XXXX XXXX and two days after that Honda America had ran my credit. I have a freeze so these companies would need to have me call in so that verification can be done for the credit report request. When I was contacted I denied the call although I still received the inquiries. I contacted these two banks only to be referred to the finance department of XXXX Honda XXXX so that they can submit the removal request. The manager said to me it wouldnt hurt and not to worry because my score would go back up in days and he apologize for sharing the information beyond my initial request. I was taken advantage of by this company then pushed aside because the deal was made. Even after finalizing the deal with XXXX XXXX another request for my report was made.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23
Company: National Credit Adjusters, LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom It May Concern, The reason for my dispute is NCA # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ).

However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, NCA failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) NCA failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation NCA is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where NCA is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. NCA has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05
Company: Experian Information Solutions Inc.
State: MO
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:
Experian the validation process of XX/XX/2021 never existed, when in fact there was no written validation and the. We need the proper validation per the law of the CFPB. On the XXXX of XXXX when the account was updated, experian should have requested to have the factual documents or should have already had the verification on hand instead of seeking or just verbally verifying a document or account when that is not in accordance with the rules and regulations.

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