BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
Around XXXX XXXX  or so i emailed this company asking for late payment forgiveness, i was XXXX  and going through XXXX XXXX for a few years on and off. a few days later i get a call from XXXX with Cap One who wanted more information about my XXXX. company is insensitive to the misfortunes that people go through, i was asked about a XXXX. I was not once asked about be being XXXX  or to verify but i was asked details about my XXXX. If the XXXX was of no importance, what is the need for the questions? Nothing else in that letter was asked to be verified. today i get a letter stating that they asked me for other payment options, XXXX of 2018 i was still XXXX, so if there was a letter sent it was never received since i was not stable. this company does whats best for the company not for the customer. I dont want the account reopened, i have a new account with you guys. Im aware of my horrible past with you guys and i am trying to make life right and this would be a big help, i never asked for all the late fees to be removed anything helps. thank you for supporting people of XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-31
Company: AMERICAN PACIFIC MORTGAGE
State: WA
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:
Hi, On XX/XX/2020 someone pulled a hard inquire from my credit and from my wife credit. After reviewing the report through XXXX  and XXXX XXXX, we got their name. It's American Pacific Mortgage. 
I reached out to one of their officers to remove this inquire. She said she did submit a letter to her company to remove it within 30-45 days. Now we passed the 45 days and looks like it did not remove it. 
American Pacific Mortgage does not have my authorization nor my signature to obtain this inquire.

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 2021-10-07
Company: AFNI INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been receiving phone calls for months alleging a debt to XXXX. I closed all my accounts after I got married and had no debt. They have also begun mailing official looking letters requesting payment in addition to the phone calls. The company is called afni and is located on XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, IL XXXX and phone number is XXXX and www.afnicollections.com

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18
Company: GOLDEN 1 CREDIT UNION, THE
State: CA
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:
Unbeknownst to me, while on vacation in XXXX, for 4 weeks, an automatic payment to XXXX XXXX XXXX XXXX XXXX scheduled on the XX/XX/XXXX was returned due to insufficient funds on my account. 

Upon returning from vacation, my investigation on my account led me to the conclusion that because of the bank imposing a hold on a check I deposited resulted in this event. 

In this age of technology commerce, banks should not be allowed to hold funds longer than a day. The funds can be easily verified by making a call to the institution. My bank is local, therefore, it makes no sense on holding it for that long. 

Another note for Golden 1 to consider is that I have been a long time member and I have my pay check direct deposited to my account. 

I'm asking Golden 1, as an act of good faith, to indicate a technical errors caused the funds to be unavailable

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have money being illegally garnished from my account for a credit card that was paid off in full. XXXX of Colorado is currently garnishing my wages over a credit card that was paid off in full in XXXX of XXXX. I have copies of the checks stating the amount had been paid in full.They have been taking over {$110.00} and sometimes more from my account since 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 2018-09-18
Company: CITIBANK, N.A.
State: CA
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 lodged disputes with XXXX with the belief they have reported negative items to my credit report not in compliance with Consumer  Protection Law. Specifically, the FCRA and the FDCPA. I most recently requested them to investigate beginning in XX/XX/XXXX, with subsequent requests in XX/XX/XXXX and XX/XX/XXXX. I have also asked for assistance from each of 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 2021-01-30
Company: PENTAGON FEDERAL CREDIT UNION
State: GA
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:
A CALLER WHO POSED AS AN " XXXX '' REPRESENTATIVE CALLED ME. SHE STATED THAT MY COMPUTER HAD BEEN HACKED NUMEROUS TIMES AND WOULD BE RENDERED USELESS IF I ID NOTFOLLOW HER INSTRUCTIONS./ SHE INSTRUCTED ME TO GO TO THR XXXX  XXXX  DROCERY STORE NEAR MY HOME. ONCE I WAS THERE SHE INSTRUCTED ME TO PURCHASE 2 {$500.00} XXXX  GIFT CARDS. SHE THEN INSTRUCTED ME TO REVEAL THE ACTIVACTION CODE TO HER. I WAS TOLD THAT HER SERVICE WAS FREE AND THAT SHE WOULD RFUND MY CREDIT CARD COMPANY 'S CHARGE WITHIN 24 HOURS OF MY PURCHASE, THAT NEVER HAPPENED. 
I THEN CONTACTED PENTAGON FEDERAL CRTEDIT UNION TO FILE A FRAUD CLAIM FOR THE {$1000.00} OF WHICH I NEVER RECIEVED {$.00} FROM THE PURCHASE. THIS WAS IS XXXX OF 2020. 
I MAILED THEM ( CERTIFIED MAIL ) A NEWS ARTICLE FRON XXXX XXXX  THE ARREST OF A MAN FROM XXXX WORKING OUT OF FLORIDA, WHO WAS RESPONSIBLE FOR SCAMMING GA SENIORS OUT OF {$20.00} XXXX. 
PENFED AS REPLIED THAT SINCE I PARTICIPATED IN THE " SCAM '' WHICH THEY SAY IS NOT FRAUD, THAT THE CHARGES ARE VALID AND THAT I AM RESPOPNSIBLE FOR THE CHARGES. THEY ARE TELLING ME THAT FRAUD AND SCAM ARTE NOT THE SAME THING AND THAT I MUST PAY. I DISAGREE, FRAUD, SCAM AND CHEAT ARE ALL THE SAME. I AM XXXX YEARS OLD AND FEEL THAT IT IS FRAUD.

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 2016-10-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I had a first and heloc with Wells Fargo Mortgage ( WFM ). I notified WFM that I was selling the home with the intent of paying all my obligations to WFM, and requested payoff notices for both loans. In a timely manner, I received the payoff notice for the first, but not the heloc. I continued to request in several more calls and finally, only days before close, did I finally receive a notice in the form of a demand, which was in fact PIF at close of escrow. Simultaneously to or at about the same time as WFM sent the demand and knew full well that my intent was to PIF, WFM reported to CRAs that I defaulted on the heloc and have refused after my repeated attempts to correct. This is of course disasterous and I need help. I have just received a wonderful new job offer that requires relocation and I am fearful that I will have trouble securing a home to rent. Thank you.

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 2021-01-30
Company: SLM CORPORATION
State: KS
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Called Sallie Mae on XX/XX/XXXX to inform them they did the 1098-E incorrectly. They submitted it with XXXX XXXX 's information who is the co-signer and who is also deceased. However, she paid {$0.00} during the entire life of the four loans. I paid every cent in XXXX and the 1098-E needs to be redone with my information. The customer service rep told me that was impossible and was super rude and would not let me even talk cause I was not allowed to access my account. Also, I can not access my account online either.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: EQUIFAX, 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:
Contacted XXXX, XXXX, and Equifax regarding inaccuracies in reported accounts contained on my credit files on XXXX XXXX via certified mail. Submitted information indicating the inaccuracies, however the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I tried to dispute the hard inquiries that were placed on my account around the same time. I was looking for an auto loan and the company apparently tried many lenders. I was under the impression that if you're trying to get an auto loan it should only be recorded once and not 3 or 4 times. My bank is the one who approved me and shouldve been the first one tried. It was the bank i was approved for. There are multiples on the same day and others that were filed on consecutive days when I've only been to one dealer and only submitted information 1 time. The hard  inquiries are incorrect and I need to know where they came from and why. The credit companies said they cant dispute inquiries. Please help! They were placed in XX/XX/XXXXt through XX/XX/2018 i believe.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18
Company: BARCLAYS BANK DELAWARE
State: MT
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This complaint is against the Priceline Rewards Visa Credit Card who is constantly harassing me by making phone calls even in the middle of the night or early morning asking me to pay the credit card balance which do not belong to my transactions.

I was able to use this credit card for a very limited number of times. It was declined most of the time. However, I made the payments and decided not to use it in future since its embarrassing. Now I have been receiving letters from Priceline that the account has been closed, however, I have been still asking to pay the amount of {$280.00} which includes the late fee and interest charges of each month from XXXX to XX/XX/2018. I fail to understand on what transactions the late fee and interest charges have been imposed. Since Im unable to use this card for a long time, I dont have any transactions made on this card or payments that I owe yet I have been constantly harassed by their phone calls and letter. Though I have signed up for Paperless statements but still Priceline Rewards Visa credit card is wasting the paper of the United States. 
Id really appreciate if u could resolve this issue by clearing this account. 
I have used the card only before 2018 began and the total transactions made were of {$320.00} which include some of the returns as well. Payment was made in full. 
As per promise, I was supposed to receive the statement credit of {$100.00} right after making the first purchase but it made me numerous phone calls to receive the statement credit that I owed. 
It was a terrible experience and Im seeking your help to resolve this issue and close my account after clearing the balances. 

Thank you.

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 2021-01-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
I was shocked when reviewing my credit report and found a 30 day late payment reported for XXXX of 2019. I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement didnt reach me. There is also a 30 day late payment listed for XXXX of 2019 on XXXX  and one for XX/XX/2019 on XXXX. This is not correct. According to the Fair Credit Reporting Act, everything on my credit report is supposed to be accurate and these inconsistent late payments are not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: EQUIFAX, INC.
State: NJ
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:
In accordance with the Fair Credit Reporting act XXXX Account found in attached documents has violated my rights.

15U.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 response to consumer: Closed with explanation
Consumer complaint received 2021-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Around XXXX XX/XX/XXXX phone line was ported from XXXX XXXX XXXX mobility to XXXX. My account with XXXX XXXX XXXX was required to be in good-standing and paid in-full BEFORE porting. In late XX/XX/XXXX I received a collection notice from XXXX XXXX XXXX XXXX XXXX. The Date of the letter is XXXX XX/XX/XXXX. The letter advises that XXXX XXXX XXXX placed my account with your agency for an alleged outstanding debt in the amount of {$340.00}. I do not owe this amount as XXXX XXXX XXXX XXXX continued to bill me for services for a phone line that was absent a phone number because the voice line had been ported. Furthermore, the date of the collection notice is XXXX XX/XX/XXXX, placing it within the period over which the Governor for my state has issued a " Stay At Home '' order restricting my right to travel within my state. The instructions of that order specifically stat that I am not to leave my home for reasons other than obtaining groceries or prescription medications. XXXX ceased all activities to collect on the debt per their response to complaint XXXX. On XXXX XX/XX/XXXX I checked my credit report to find that a collection was placed on my file in the amount of ninety ( 90 ) dollars. The account lists XXXX  as the " Original Lender '' and " XXXX XXXX XXXX XXXX '' as the collection agency. It lists the date placed with the agency as XXXX XX/XX/XXXX. I have never had first contact with XXXX XXXX XXXX  XXXX I never received notice that there was any collection amount. Outside this CFPB complaint I have not had the ability to exercise my Right of Notice and Opportunity to Be Heard that I am afforded as a part of my rights of Due Process. The timing of the collection is rather coincidental because it coincides with reported slow-down in mail across the United States. From my perspective, it would appear that such collections were timed to almost ensure that an individual with an alleged debt would be unable to exercise right of notice within thirty ( 30 ) days of receipt, or would never receive notice at all, with the collection agency claiming they " sent '' the notice. As it stands, the information listed is inaccurate. Any alleged outstanding amount was settled with the original creditor as a step to activate internet service with ATT. Finally, this is nuisance debt of less than XXXX XXXX XXXX XXXX dollars and therefore should not show up on my credit report all under CRA practices.

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 2019-09-27
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I received a call from Nissan on or about Monday, XX/XX/2019, I spoke to the representative and advised that I would be making my payment before the end of the month online. The representative gave me a breakdown of all the charges including late fees, and personal property taxes the representative recapped the call several times and also asked when I would be paying next month 's payment. I advised when I pay it, I gave this response because I was frustrated and didn't want to continue the call and also asked why Nissan had not contacted me with regard to my mileage not being correct on my lease or offer an apology. The representative just blamed the dealership. I reminded the representative that the dealership would not be involved if I go over my mileage I would be paying Nissan Finance. At any rate, I promised to pay with a method, amount and date on that call. I then received two subsequent calls from Nissan attempting to collect a debt when I informed them that I would pay. I gave specific instructions and calling and harassing me is a clear violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: EQUIFAX, INC.
State: PA
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 am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Equifax Credit bureau has failed to respond about the removal of the erroneous information about my accounts. Sending them the last complaint last time and I have not received any response up to this date. On the other hand, inaccuracies about my accounts are continuously reported on my Credit Report. Therefore, Equifax failed to comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information. Here are the concerned accounts that are still reporting on my reports : XXXX  / XXXX {$0.00} XXXX -Balance {$2000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX is wrongfully reporting negative information on my credit report. Last month I went to apply for a loan with my bank but was declined the loan. I was advised that due to being late on my car payment that the loan couldn't be processed. I decided to pull a copy of my credit report to see what was reporting from XXXX. Not only was it upsetting to see that XXXX was reporting incorrect information, I also noticed that my credit score lowered due to the reporting by 40 points. I contacted XXXX to inform of the reported late payments and was advised that no payments were reported late. 



I requested a payment history review and was advised that two of my payments dated XXXX and XXXX of 2018 were paid towards late fee 's and not the payment due. XXXX has reversed the payments but still reported that I was 30 days late each time. I am attaching the loan payment history for the moths in question along with a copy of the current credit reporting from 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 2021-01-30
Company: Carvana Group, LLC
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I reached out to carvana to correct a debt issue that they don't have the the original contract nor did they provide me with a original contract, as they are a extension of the creditor of the consumer credit transaction. They didn't give a notification that the alleged debt they were trying to collect, was a debt as a consumer using my federal credit card meaning any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit for entering this consumer credit transaction with an open-end credit plan and used for household and personal use. They put obscene symbol 's and use obscene language on the copy contract that could of be daunting to the eyes as well. Carvana has violated me as a consumer in the corporation and needs to be held legally accountable for their deceptive actions as a debt collector they are. I am requesting the agency to work with me the consumer under the guidelines Fair Debt Collection Practices Act and amendments to the Truth in Lending Act or else i will pursue federal litigations if need I re enforcement on the facts of federal law.

Company response to consumer: Closed with explanation