BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
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:
Received repeated phone calls concerning a XXXX account. Requested name and address of original creditor, copy of signed contract, delegation of authority, and a complete accounting / statement of payments, interest, and fees associated with the collection account. This information has not been received from the debt collector, yet I am repeatedly harassed with voluminous phone calls

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-21
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
i sent a letter to XXXX/XXXX XXXX XXXX dated XX/XX/2018 they never responded so i done more and more research how to go about information being reported incorrectly. They are saying i have a account in collections. This is false i've sent them multiple letters no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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: Card was charged for something you did not purchase with the card

Complaint:
XXXX from cap XXXX fraud called told me there rebilling me XXXX for a charge to the XXXX hotel where i never stayed or authorized even though i file a police report and there advertising XXXX fraud liability there need to be investigated for violating the XXXX and false and deceptive practices

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I called today XX/XX/2021 the XXXX, XXXX, Equifax, and XXXX. I called XXXX, Equifax and XXXX  : who or company or organization is making my credit report to up or down. Equifax, XXXX and XXXX  basically call XXXX. 

When I called XXXX they told me about how the calculate my score but reused me who, what, why, how and what for because I think my e-oscar should be higher then what they are calculating. 

I would like to know who is making my credit score go up or down and how they calculating my XXXX or any other software. I believe this a fundamental right whom is causing scores to go up or down.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On XX/XX/XXXX i upgraded my Equifax membership after i received notification and a confirmation number that the previous disputes about addresses that did not belong to me were all removed.

On XX/XX/XXXX i attempted to dispute inaccurate information on my report when i noticed the same addresses that were disputed and removed reappeared along with an unauthorized hard inquiry that was also dispute. 

On XX/XX/XXXX at approximately XXXX XXXX, i called Equifax about those addressing and an unauthorized hard inquiry being reinserted back on my credit report less then a month after their removal. 

I spoke with several different employees that continued to bounce me around to about 4 different employee telling me its nothing they can do, from caller to caller until i final ask for a supervisor, she told me her name was XXXX I explained the situation but she was unhelpful, i ask her why were those addresses reinserted or not removed from my report, i provided her the confirmation number for that removal. 

Supervisor XXXX said the addresses were my previous addresses i told her those addresses do not belong to me. Then she ask me if the address were fraud, i told her i do not know, because they are not mine, then she ask if i thought it could be someone with a similar name as mine, i told her i dont know, i want them removed. 

Supervisor XXXX said she cant remove the addresses because its tied to a creditor, i ask her for the creditors information she said she cant give out that information, i repeatedly asked her who is the one reporting these addresses, who is the creditor, she said she cant give out the information ... so i told her i believe is a computer glitch by Equifax. 

Supervisor XXXX said its not a glitch, i then asked how can you report addresses on my report and not provide me with the creditor who is reporting them. Supervisor XXXX kept repeating over and over i cant give you the names of the creditor. Between me getting bounced from employee to employee the call lasted about 1 hour and 34 mins.

I wanted to add i was told by 3 different employees and Supervisor XXXX that i can not dispute a hard inquiry with Equifax even through Equifax provides a dispute page for hard inquires. I was told i need to wait 2 years even if the hard inquiry is not authorized. 

After a frustration long call i ask to speak with her supervisor, but she said its her manager. I was left on hold for 17 mins and no one ever returned, just left me on hold.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-21
Company: Experian Information Solutions Inc.
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:
The reason for my writing is to inform you that this company is being unreasonable and not adhering to the law. I am a victim of identity theft. My personal information was compromised and as a result fraudulent charges were included on my accounts without my consent or authorization. I disputed this identity fraud with this company on XX/XX/XXXX by providing my written explanation and attaching relevant documentation e.g. Identity Theft Report, Proof of identity and Section 605B of the Fair Credit Reporting Act to proof my case. But until now, as I am writing to you, this company is still reporting these fraudulent accounts contrary to law, which gives them at least 4 days to remove it upon receipt of fraud dispute letter. Let this be a final written notice of my intent to sue this company for failing to remove fraudulent items even after receiving a well-documented dispute coupled with exhibits for reference. For yet another time I am reaching out to this company to find a concrete resolution to this matter once and for all. Failure to this I will go ahead and file my already filled small claims forms with the courts. Please REMOVE this fraudulent information from my credit report, as per 605B of the Fair Credit Reporting Act : 1.XXXX  XXXX  ACC # XXXX, Opened Date XX/XX/XXXX, Original Creditor XXXX XXXX XXXX XXXX XXXX , High Balance {$1500.00}. 2. XXXX XXXX XXXX, ACC # XXXX, Original Creditor XXXX XXXX , Opened Date XX/XX/XXXX, Balance {$190.00}. I am attaching the dispute letter/documents I sent to this company on the XX/XX/XXXX and my FTC report, in case they need to reference or review.

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 2018-06-27
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I closed on my house back in XXXX of XXXX. In early XXXX our note was sold to a new mortgage company, named XXXXXXXX XXXX XXXXXXXX. I bought my home for {$150000.00}, with a down payment for {$4200.00}. I financed {$140000.00} for XXXX years at {$1000.00} per month. When XXXX took over my loan they first raised my monthly payment to {$1100.00}. I was told this was due in part to my homeowners insurance going up. I was told I that I only had to pay this for XXXX months and then my payment would return to normal. When the XXXX months came and went, I was then told that this was my new payment. In XXXX XXXX we received considerable damage from hurricane XXXX. I had made arrangements with XXXX for me to do all the repairs. I am a licensed XXXX XXXX and own my own construction company at the time. In XXXX of XXXX XXXX called me and talked to me about putting me in a new program they had, to help people with problems from hurricane XXXX. This program, as explained by XXXX is to help me by not charging and fees or penalties and have no affect on my credit. In XXXX of XXXX XXXX raised my payment to {$1900.00}. XXXX I was told it was because of my property taxes had gone up. I went to XXXX XXXX court house. I found out that my property taxes had not gone up. I brought this to XXXX. I talked to so many different people there. none of them were willing to truly help me. Then in XXXX of XXXX, I was told by XXXX that the real reason they raised my payment was that, the original company who created my loan, had made some major mistakes. That this will be my payment til the end. I did my research and was told by XXXX, XXXX XXXX and a company who specializes in checking the paperwork from the mortgage companies. That there was no mistakes made. Not when you have all of these protocols in place. XXXX refuses to help me. even when I do get someone there who tells me they will look into the matter for me, plus call me back. They never do. Now they tell me I am XXXX  months behind, which is not true at all. I was told of their Loan Modification, which states I now owe more than when I purchased the house. I am a XXXX XXXX, XXXX because of an XXXX I had to XXXX early from contracting. I am on a fixed income. I can not pay their payment. I am also a XXXX father of a XXXX son. I will lose my home to a foreclosure. I need someone to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX XXXX XXXX Account # XXXX 30 days late in XX/XX/2019.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
ive attached more detailed information on my concerns but I will briefly state some of them now 1. bofa has been stealing money from my account all the way back in XX/XX/2012. 
2.they took multiple house payments between the time line XXXX to XX/XX/2108 3.they reverse temp credits on false information stating that I gave them this informaton. 
4. Ive included that I demand documentations that they use to verify it is you 5 talk to u later E

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 2019-03-21
Company: Navient Solutions, LLC.
State: NV
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:
This has been going on for about 20 years, my name was forged on a document and they keep telling me I have to file a forbearance ... I have never heard of this college, I am XXXX and would never take out this kind of money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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:
I have received a copy of my credit report and it shows company CAPITAL ONE account numberXXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$640.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Due to extended illness and hospitalization duringXX/XX/XXXX, I missed the payment. In XX/XX/XXXX, I contacted Citi to get back on track. I paid {$37.00} on XX/XX/XXXX, and {$37.00} on XX/XX/XXXX. I was informed that my next payment was {$28.00}. 

I thought all was well until I logged on to Citi on XX/XX/XXXX to pay the XX/XX/XXXX payment, and found out the account was still behind and I owed more than {$28.00}. I was upset and called up. When I realized what was going on, I asked for the tapes that recorded those prior phone calls to be pulled because I said I was given misinformation. I was told someone would call me within 48 hours. I did not receive a call. I called Citi again and was told that they tried to call me twice but I did not answer. I did not have any calls on my Caller ID from either Sears or Citi. 

On XX/XX/XXXX, my payment is due and so far I am still in limbo with this account, so I called Citi. It was over an hour of my time going from one department to another with more excuses. Finally, the collection 's department said I did get misinformation, however, they can not change the account. I was transferred to customer service so they could " honor the adjustment '' and they did : nothing.

I was told to pay {$28.00} today and some vague talk about someone from Citi will call to straighten out the account. I was not told when. So I am still behind with all then extra late fees being added to my account. 

This is like a hole that you fall in that you can never recover. I missed just one {$37.00} payment and it is this mess. Talking to Citi is even more frustrating ; nothing gets fixed. It seems intentional and this practice has to be stopped. 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 2019-03-06
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
This is a request for postponement of trustee sale scheduled for XX/XX/2019 as sellers are in contract. Buyers need 18 days to close escrow. Estimated close of escrow is XX/XX/2019. 

Last Monday, XX/XX/XXXX, I sent email to the trustee and the loan servicing company, Shellpoint Mortgage of this request but until now have not heard anything. 

I need the confirmation of the postponement of the trustee sale in writing. 

Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Last week when logged into my USAA banking account using their mobile app I was presented with a 10 question mandatory survey. The survey asked my income and net worth and then asked 8 questions about XXXX, like how often and in what amounts I was likely to use XXXX to deposit, transfer or withdraw money from either my checking of savings accounts. The survey told me that if I didnt complete it my online access to my accounts would be suspended and only allowed me to bypass it three times before the suspension would take effect. They claimed that all of this information was required by the federal government. 

I wrote a complaint letter to the USAA XXXX and had a reply from his office. The aIde I spoke to first claimed that all of this info. was required annually by the Patriot Act. When I challenged that the feds wouldnt require information from my about my plans to use XXXX she admitted that that part of the survey wasnt really required and didnt understand how it was included.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
In XXXX, I discovered that someone has an account with Kohl 's Dept store using my SSN. It appears to be a clerical error rather than fraud. I have called Kohl 's 5 times and sent them a letter via registered mail ( signed for on XX/XX/16 ) with my address, phone #, email and copies of my SS card, Kohl 's card, and social security statement with my date of birth and SSN and have received no response. My account was closed in 2016 and apparently purged from their system. Every time I call, they can find no record of my account and no record of my previous calls and they add more of my personal info to her account. In XXXX, I received a copy of her statement containing her entire account # and 2 letters regarding disputed charges, addressed to her at my address. I last spoke with supervisor XXXX # XXXX in the fraud dept on XXXX. He told me that they can not respond to my complaints since I do not have an account in their system. He looked up her account using the info that I gave him and assured me that all of my info had been removed from her account and I should have no further problems ... but was surprised to hear that the Florida address still in her account was mine, not hers. ( She lives in XXXX, WI. ) He told me that Kohl 's can not remove my info from her account unless she requests it, even though she did not put it there ... Kohl 's did. After this phone call, I received an email addressed to her at my email address containing her rewards ID and PIN ( XXXX ) and coupons addressed to her at my Florida home address. They have breached her privacy and mine and are not interested in correcting it! 
I have documentation supporting all my claims. The instructions on the website said not to send personal info unless requested by you, but steps 4 and 5 ask for info. 
Her name is XXXX XXXX, account # XXXX XXXX XXXX. As I said, Kohl 's has no record of my account and will probably not be able to find any record of my complaints if you give them only my acct #. You may need to have them look it up by her acct #.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27
Company: Global Credit & Collection Corporation
State: AZ
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:
Oops, sorry my initial complaint two weeks ago was with the wrong company- below is the correct company. 

Global Credit & Collection Corp Debt collection keeps calling my job and I have instructed them do not contact me at my place of employment. My job strictly prohibits scammers, debt collectors, or other third party entities. They have also, utilized a new tactic by calling and hanging-up, I consider this to be harassment. 

Currently, I'm working to resolve my debt with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27
Company: Rocket Mortgage, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I started a loan application with Quicken Loans. I was pre-approved for up to $ XXXX. I submitted a few offers before coming to terms with a seller on a particular home. Quicken Loans sent me a breakdown of my estimated monthly payments, which was supposed to be $ XXXX/month. I  proceeded with the loan process and had everything completed in regards to my application up to that point. I went on to get an inspection and appraisal of the home. The inspection came back with aluminum wiring ( which needed to be replaced with copper ) in the home, which made it very hard to come within the homeowners insurance guidelines I had contingent upon in my offer. They then decided to switch my FHA over to a conventional, called me and lied to me saying that I would be getting " better financing ''. They knew that since problems arose with the inspection, they weren't able to use the FHA. Then, my monthly payments jumped up to $ XXXX/month and that doesn't even include the high homeowners quotes that I had received in regards to this home. I made the offer contingent on inspection, and insurance costs. I pulled my offer at that time. Quicken Loans then sent me a " denial letter '' based on the reasoning that I had an incomplete credit application, which couldn't be farther than the truth. I lost my earnest money, {$2000.00} because of the lies and unethical behavior from each and every person I spoke to in trying to resolve this issue. They went as far as ordering the appraisal, but when I pulled my offer they close me out due to incomplete application? That doesn't make a bit of sense. The very next day, my purchase banker opened up a whole new loan with a new approval letter. But yet, 24 hours prior, denied me due to incomplete application? Its not right what this company has done to me, I am a first time home buyer and I am completely traumatized.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
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 NOTICED FRAUDULENT ACCOUNTS ON MY CREDIT REPORT THAT I DID NOT OPEN. THESE FRAUDULENT ACCOUNTS ARE HURTING MY ABILITY TO OBTAIN CREDIT. I DEMAND THESE ACCOUNTS BE REMOVED IMMEDIATELY.

Company response to consumer: Closed with explanation