BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VT
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 am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-18
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a negative credit reporting about a collection account that National Credit Adjusters reported to the credit reporting agencies. I have never received any information pertaining to this account from NCA, nor had NCA every contacted me about the account. On XX/XX/XXXX, I submitted my first debt validation dispute to National Credit Adjusters ( NCA ), XXXX XXXX XXXX XXXX, XXXX, KS XXXX. NCA received my dispute on XX/XX/XXXX ( See Attachment Exhibit # 1 ). NCA responded to my dispute via a letter stating that they received my dispute ( See AttachmenXXXX Exhibit # 2 ) and would investigate it. More than 45 days lapsed and NCA did not provided the requested information outlined in my initial debt validation letter, however, NCA has continuously reported negative information to XXXX, XXXX, and XXXX. NCA has gone as far as notifying the credit reporting agencies that it has validated the account. Upon learning this from the credit reporting agencies, I requested XXXX, XXXX, and XXXX  to provide me with what NCA provided to its company that validated this account, however, each credit reporting agency instead re-started a re-investigation dispute. In an attempt to validate this account, I again submitted a follow-up letter to NCA requesting the information pertained in my initial request, and informed NCA that the information was to be provided within 10 business days from receipt of my second request ( See Attachment Exhibits # 4A and # 4B ), and further explained in the letter that it is a violation of my rights if the company fails to properly validate the account while continuing to report negative information. NCA received this second request on XX/XX/XXXX ( See Attachment Exhibit # 3 ). To date of XX/XX/XXXX, NCA has disregarded my initial request and my follow-up request to properly validate this account, but continues to report negative information about this account to XXXX, XXXX, and XXXX. More than enough time has elapsed for NCA to properly validate this account. The only option now is to ensure my consumer rights are protected in accordance with the FCRA, FCBA, and FDCPA. I hereby demand that NCA stop all negative reporting of this account to the credit bureaus, to remove all negative reporting to the credit bureaus, and issue me a letter confirming its intentions to stop and remove the negative reporting to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13
Company: Caliber Home Loans, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
After I obtained my Mortgage with Caliber Home Loans I filled out an application to withdraw my payment on a certain day of the month. My first application I filled out was for the XXXX of the month because that's when I got paid. It was approved, however, they started to automatically withdraw a couple of days before the XXXX of each month. In XX/XX/2018 I contacted my loan processor XXXX to which she suggested that since my check didn't come in to my bank until the XXXX, to redo the application to reflect the XXXX of each month. The Mortgage company approved the payment deduction to reflect a XXXX date of the XXXX of each month. In XX/XX/XXXX I contacted my loan processor again and at that time, she contacted Caliber to which they replied that there was nothing wrong on their end and suggested that I contact my financial institution. I called my bank and the CFO to ask the procedure to which she replied that they do NOT take out payments early, they take them out when the debit it submitted. Since XX/XX/XXXX, Caliber has taken my payment early and I cant seem to get a response to find out why, although they did call me to talk about refi programs. I do not understand if you give someone the option to make a payment on a certain date then take it out as you please then why offer it in the first place. When it comes time to refi, I may have to question whether or not I will go with a company that wont stand by what they offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18
Company: Messerli & Kramer P.A.
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
XX/XX/18 : was notified of a collection. when notified i was informed i would need to make payment right away or they would take legal action right away. when i notified i wasnt paying them the person on the phone became aggravated and wanted to use scare tactics like going to court and paying legal and lawyer fees then hung up the phone

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
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:
XXXX and Equifax is showing XXXX XXXX on my Credit report.. I have never had an account with XXXXXXXX XXXX and the credit bearues refuse to remove them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
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:
On XX/XX/2020 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

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 2018-11-13
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I have tried cancelling a credit tracking subscription with Experian multiple times with no success.

I emailed them on XX/XX/2018 requesting they cancel my account. I emailed them after calling them multiple times on that date to cancel my account.

When I called to cancel I was led through automated prompts to cancel. When I finally reached the prompt to select Cancel, I was told by the automated response that I do not have an account with them, which I know I do and for which I am charged {$24.00} each month.

I have wanted to cancel this for months and have had no success in doing so, and I do not know what to 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 explanation
Consumer complaint received 2018-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
At the end of XX/XX/2017I sent a letter to XXXX XXXX XXXX XXXX asking for a debt validation regarding an alleged debt that was owed. I received a letter and an unsigned contract with my typed name in the signature area. 

However, since this was my first initial contact with this company I noticed that the company violated Section 807 ( 11 ) of the Fair Debt Collection Practices Act that requires a debt collector to inform a consumer in the initial communication with the consumer with the following wording on the letter " this communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. '' The code refers to this an a mini-miranda disclosure. 

I sent the organization information regarding this fact ( certified letter ), and XXXX XXXX XXXX XXXX did not respond to the letter but sent me a similar letter ( attached ) with another unsigned contract. This is a blantant violation and request that the credit bureaus investigate this matter and if not resolved, that the account is deleted from my credit 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 explanation
Consumer complaint received 2018-11-13
Company: CITIBANK, N.A.
State: VA
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 purchased 2 floor sweepers from XXXX XXXX XXXX for a total of {$2000.00} on XX/XX/2018. My credit card was charged immediately but I never received the sweepers. They were alledgedly shipped by XXXX XXXX and signed with a unreadable signature that the driver wrote in as XXXX  ; we have nobody of that name working here. The XXXX company was of very little help and said it was not their problem. After contacting both merchant and XXXX XXXX to no avail I contacted mu Citi Visa to dispute the charges. They came back and denied my dispute because they said someone signed for it. This is just not right on my part as they should at least standby me in a case like. That is why I am filing this complaint now against Citi visa to credit my account for merchandise that I never received. I will follow with more additional info attached.

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 2020-11-13
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Chase Bank enrolled me in COVID program to halt payments ( interest still accruing, etc., which I agreed to ). Then harassed me 4x / day with calls. Finally I logged into my account to see what the issue was. Still showing {$0.00} payment due, per our COVID assistance program. Continued to get harassing e-mails and calls, which I had to block. Finally called them. Spoke with rep for over an hour, who repeatedly told me that despite COVID protection, I was still considered late. He repeatedly told me, " Yes ma'am but you don't understand, your account is still 15 days late, even though you technically don't owe a payment. You won't become delinquent until 30 days, '' etc. I contested : " Actually, the nature of our agreement is that I would NOT be considered late, assessed fees, or sent to collections, and furthermore, I've logged into my account and have no option to pay, it says " No Payment Due. '' Again he insisted I was not understanding something, and eventually hung up on me without attempting to call back despite me repeatedly saying I was still on the line. I was devestated by the trickery I felt by the supposed " COVID assistance '' Chase is deceptively providing consumers. I have since paid my account in full but I will never trust this company again, nor will I be using these accounts anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: National Credit Adjusters, LLC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Below is a copy of the email I received : From : XXXX XXXX XXXX Date : Tue, XX/XX/2020 at XXXX XXXX Dear Debtor, I am the attorney of the National Credit Collections ( Hereinafter Plaintiff ), I have received your case file today from XXXX XXXX. The accounts department XXXX National Credit Collections has decided to mark this case as a flat refusal and press legal charges against you. 



This Legal Proceedings Will be issued on Following Details : Docket no:XXXX Reference # : XXXX AMOUNT OUTSTANDINGXXXX Settlement out of court : XXXX ( Only valid for today ) And we apologies that the Arrest Warrant Which you will receive in your next email positively by Monday will also be sent to your current employer too. The opportunity to take care of this voluntarily is quickly coming to an end. We would hate for you to lose the option of resolving this before it goes to the next step which is a Lawsuit against you, but to do so you must take immediate action. 



We will be forced to proceed legally against you and once it is processed the creditor has entire rights to inform your employer and your references regarding this issue and the lawsuit will be the next step which will be amounting to XXXX and will be totally levied upon you and that would be excluding your attorney charges. If you take care of this out of court then we will release the clearance certificate from the court and we will make sure that no one will contact you in future. 



Thank you National Credit Collections XXXX XXXX XXXX # XXXX, XXXX, TX XXXX National Credit Collections 2020 XXXX XXXX Terms of Use | Careers | Complaints | Privacy Policy -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Confidentiality Statement & Notice : This email is covered by the Electronic Communications Privacy Act, 18 U.S.C. 2510-2521 and intended only for the use of the individual or entity to which it is addressed. Any review, re transmission, dissemination to unauthorized persons or other use of the original message and any attachments is strictly prohibited. If you received this electronic transmission in error, please reply to the above-referenced sender about the error and permanently delete this message. Thank you for your cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10
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: Credit inquiries on your report that you don't recognize

Complaint:
On several attempts Ive tried to contact Equifax to inform them of some inquiries on my credit report I do not recognize. Under the FCRA 604.15 inquiries are only to be pulled for insurance, employment, court order. For this reason, none the these inquiries fall under those circumstances. XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX (XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ). These are not my inquiries and I did not authorized them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/2019 I mailed a dispute letter to Transunion. I disputed the Chapter XXXX bankruptcy from USBK COURT XXXX XXXX. The court did not verify with Transunion that a chapter XXXX was discharged. Transunion also received the dispute letter on XX/XX/2019 and it was signed off by XXXX XXXX. I never received a letter that they were investigating the dispute. It has been over 30 days and I still have not received a response from Transunion. They did not reply in a timely manner to my initial letter on XX/XX/2019, they have not only violated federal and state laws, but they have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. I have proof XXXX deleted the chapter XXXX bankruptcy discharge because they did not verify with the court. The court stated they do not report to the credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: Ability Recovery Services, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I have reached to this company via certified letter after I discovered they placed an account on my credit. Apparently the account is for a debt that I do not own. I have health insurance and so does my wife. The allege debt is for {$1500.00} which is absurd- they have the incorrect person and I was never informed about the debt before they placed it on my credit. They have also contacted my employer.

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 2019-06-11
Company: LDF Holdings, LLC
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
They have charged me a 639.87 % interest rate on borrowing {$950.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
On XX/XX/18, I went to the XXXX  store to purchase a laptop. I asked the XXXX  employee if there were any 0 % interest payment options. The employee advised that I could apply for the Barclaycard Visa with XXXX   Rewards.

I applied for the Barclaycard and when I used the Barclay/XXXX  portal ( XXXX XXXX XXXX  ) to purchase a laptop on my new line of credit it said that there was an error with the page. ( This error continued for the next 3 days ).

Since I needed the laptop the employee said I could purchase on a different card and return it and purchase it back on the Barclaycard. I contacted customer service to re-confirm that this is true. However, I later read the return policy and discovered that there would be a 25 % restocking fee on the {$2400.00} laptop, which was never disclosed by any employees. Since there was an error with the Barclay/XXXX  website and I was unable to purchase a laptop on the Barclaycard I applied for I suspect that many consumers are running into this same problem. I am looking to have this credit application removed since I was unable to use the new line of credit as the XXXX  employee explained would be possible. I contacted Barclay customer service representative on XX/XX/18 and the woman explained that she was not a Credit Bureau agent and could only close the account and could not do anything further.

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 2018-02-22
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I am requesting a courtesy adjustment to my credit reports ( XXXX, XXXX, XXXX ) for the 30 day and 60 day late reporting : XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX ) My mother XXXX in XX/XX/XXXX. She was on XXXX and social security, so when she XXXX, I, being her only child and closest living relative, took-on 100 % of the funeral, burial and administrative costs. This caused me to fall behind on my credit card payments with XXXX XXXX. I called XXXX XXXX XX/XX/XXXX and explained my hardship. In fact, when I signed-on to the payment portal a red banner came across the screen ; here is a copy/paste : " Alert 1 of 3 : If you're facing financial challenges, we may be able to help. Please call our Customer Care team at XXXX ( TDD/TTY : XXXX ) for more information. Alert 2 of 3 : Your Account is past due. Make a payment now. Alert 3 of 3 : Please confirm your contact information. Confirm Now '' I called XXXX customer service in good faith, explained my hardship, and the call was elevated to the collections department, where I explained my hardship yet again. I expected, at the very least, a TEMPORARY courtesy modification of ANY sort, just so that it would be easier to catch-up on payments. This was not offered. All I was told was ( 1 ) how much I owed, and ( 2 ) whether I could set-up an electronic payment with the agent on the phone. In short, the agent did not help. I was reported to the credit bureaus as 30 and 60 days late. This is truly heartbreaking, especially when I reached-out for help -- the banner said " call us, we may be able to help. '' I had perfect credit and perfect payment history with XXXX until this episode. If they pull my credit reports, you will see that I have 100 % on-time payments with ALL my creditors over the last 6 years, including all of my XXXX cards. I have no collections, no judgments, nothing. I had a clean history until my mom 's XXXX. 
I want to pay my bills. I take pride in paying my bills on-time, and I work hard to keep a clean credit report. 

As of XX/XX/XXXX, I have been getting caught-up and expect to be 100 % caught-up by XX/XX/XXXX. 

I am respectfully requesting that XXXX extend this ONE-TIME courtesy to me : removing the 30 days and 60 days late payments on all three credit bureaus. I would greatly appreciate it. 

Thank you.

Company response to consumer: Closed with explanation