BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
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:
I have had immense hardship over the years due to the fact I was a poor XXXX XXXX and had no conception of what credit was, and how important it is. As time went on my knowledge about how credit works has grown tremendously and my credit score is affecting my ability to get access to capital needed to fund a business, or buy a home. I have reached out to Capital One about my late payments on the dates of : XX/XX/2019 XX/XX/2019 XX/XX/2019 XX/XX/2019 XX/XX/2019 And explained to them my hardship in an attempt to get the payments forgiven for the months of the hardship. I had family in the hospital and I simultaneously had to go myself. It was a dark time and I have grown and achieved more stability and I believe payments from 2 years ago shouldn't still affect my credit. I commend Capital One for removing the other payments. But I want them to remove the rest of the late payments so I could then qualify for more credit with them and continue to do good business. I want them to grow with me, and aid me in my growth. If they removed these late payments it will help me tremendously. I have paid the card down to 30 % utilization and it will soon be down to 2 %. In less than 30 days my credit has gone from XXXX to XXXX, which is indication of how serious I am about improving my credit score. 

I really hope Capital One removes my late payment history simply due to the fact it'll never happen again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I did not authorize anyone employed by JP MORGAN CHASE OR ANY OTHER COMPANY, and including the agency copied, to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with the 3 parties above, and including multiple complaints with the Consumer Financial Protection Bureau, and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days from this complaint, may result in a small claims action against the 3 parties, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting This was reported immediately from the alerts I got, and placed a security freeze to my credit file. XXXX is the only out of 3 agencies that have not put the freeze as requested, that both XXXX and XXXX did, and this in addition to several other inquiries started after the XXXX  data breach publicly known.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-03
Company: ERC
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please  evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
XXXX XXXX Email-XXXX Phone-XXXX These past few months LVNV FUNDING LLC has been harassing me for old debt. I was served papers to appear in court on XX/XX/XXXX. This debt was when i stayed in Alabama not in Georgia. Before this debt was sold to them i talked to XXXX in XXXX that i was under order as a dependent because my husband is military. I have proof and sent it to them of SCRA papers the told me to mail a copy and they would get back with me and I did mail them. After mailing these copies out they never responded back to me. I was a XXXX XXXX XXXX and had lost my job. I did go to court and worked out something the best way i can, I also showed proof at the time of the scra papers i sent them and others. I felt pressured and i feel as though my rights was violated by LVNV FUNDING LLC. 
The debt is still on my credit report and i have been had this on my credit. I am tired of being harassed of old debt that i have bad credit for from this company. Please feel free to email. Me or call any time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31
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: Account information incorrect

Complaint:
I have reached out to my creditors that are reporting my payments as past due and I have never been late on a payment. I have had issues with these companies reporting incorrect payment status. I gave them the opportunity to fix this but seems like I'm not getting anywhere and I was advised I could reach out to you. These are the accounts reporting inaccurate payment information. 

1. XXXX XXXX Acct # XXXX ( XXXX, XXXX, Transunion ) 2. XXXX XXXX Acct # XXXX ( XXXX ) 3. XXXX XXXX XXXX Acct # XXXX ( 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 2018-08-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
On XX/XX/2018 my purse was stolen that had my social security card, drivers license, kids social security cards, chase bank ATM card, XXXX XXXX credit card in it. Some one opened a XXXX  XXXX XXXX account in my name.

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 2019-04-03
Company: Comerica
State: FL
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
My XXXX CARD WHICH I GET MY SOCIAL SECURITY CHECKS DEPOSIT WAS HACKED AND CHARGE WITH XXXX XXXX   WHICH IS BASED IN XXXX, I REPORTED IT TO XXXX CUSTOMER SERVICE AND GOT THE COLD SHOULDER, WHICH {$760.00} WAS HACKED FROM MY ACCOUNT.I EXPLAINED THE URGENCY I HAD TO PAY MY RENT AND IT WAS A COMPLETE BLOWING UP MY NOSE KIND OF FEELING, ANY ASSISTANCE I CAN GET WILL BE APPRECIATED.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
My EDD debit card has been suspended due to suspicion activity. I called the phone number on the back of the card and listened to my past 10 transactions, there are 5 transactions I do not recognize. 
1. Pending transaction on XX/XX/29 {$660.00} declined 2. Debited transaction on XX/XX/29 {$99.00} authorized 3. Pending transaction on XXXX {$310.00} declined 4. Pending transaction on XXXX {$310.00} declined 5. Pending transaction on XXXX {$310.00} declined Also I have had more than 10 transactions on this debit card but I am not able to review them over the phone, and when I tried to login to the BofA prepaid app, I received a error message stating that info Im providing is wrong. I believe someone has hacked into my account and locked me out. I need access so I can review all my transactions and confirm they are mine. I have been trying to report the fraudulently activity to Bank of America EDD debit card customer service as instructed on the website and card but risk management department has not answered me for 2 days now. Ive been on hold for up to 3hours at a time multiple times but have yet to speak to someone and report the fraudulent activity.

One more thing, I have bills that I need to pay right away and can not wait 3-5 business days to receive my replacement card. I have been trying to get an emergency cash transfer but same problem, no answer and when I get someone on the phone they say we dont do that or transfer me to another department and no one ever comes back on the phone.

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 2021-07-03
Company: EQUIFAX, INC.
State: NE
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:
Credit inquiries on my report that I do not recognize nor did I authorize. Under section 604 of the credit reporting act you must provide my written authorization for these inquiries which Ive disputed these several times and yet I have gotten nothing off. You guys claim that you have to keep them on my file because theyre a accurate record of companies accessing my credit profile yet that doesnt mean I authorized them to do so. The inquires that are unauthorized were XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX.  Ive contacted the above companies regarding the verification of authorization or record of it and they were not able to provide me that information so now Im needing you the credit bureau to now fo your due diligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03
Company: Ditech Financial LLC
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a letter from Ditech Financial LLC stating : " This is a legally required notice. We are sending this notice because you are behind on your mortgage payment. We want to notify you of possible ways to to avoid losing your home. We have a right to invoke foreclosure based on the terms of your mortgage contract. '' The letter continued on with the options BUT the reason this is an issue is that I have made the final mortgage payment. I obtained a payoff quote on XX/XX/2019 stating the amount of the payoff on the account was {$460.00}. I was informed the funds needed to be certified and sent to the payoff address instead of the regular payment processing. I obtained a money order from XXXX XXXX in the amount of {$460.00} dated XX/XX/2019. I then mailed the payoff quote and money order to : Ditech DEPT CH XXXX XXXX XXXX, XXXX through my local post office with tracking. Tracking # XXXX which was said to be delivered on XX/XX/2019. On XX/XX/XXXX I called Ditech and spoke with XXXX ext. # XXXX to ask why I still had a balance on my account that was showing past due {$460.00}. She informed me that my payoff check had indeed been received and was processed on XX/XX/XXXX but that their computers were being upgraded so that nothing was showing as to the account being cleared and paid off. She told me to call back in a wee and it would be taken care of by then. So I then looked at my account on XX/XX/2019, a week later and the balance was now showing {$690.00} past due. I again called Ditech and the person I spoke to didn't give me her name. I explained the whole situation again and asked how can I have an increase in balance a week later when the payoff amount would be the TOTAL due on the account and nothing more. I can't owe more than what the payoff amount is. She told me the system is updating and I just need to be patient and there is nothing she can do. I told her that now its saying past due which is being reported on my credit as late payments and she said again there is nothing she can do because the system is updating and it will get fixed when it gets fixed. I informed her they can't do this and my credit is being affected and I will be getting a hold of a lawyer and she hung up on me. I have all the documentation of when the check was received and the exact payoff letter. I can not be in foreclosure if they would process things in a timely manner. Basically the money is there but not applied to my account and they are adding on more payments even though they can't do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11
Company: DISCOVER BANK
State: AR
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
Discover Bank advertised an APR of 6.99 % - 24.99 % for personal loans based on CREDIT WORTHINESS. At the time of my loan request, according to XXXX Bank on XX/XX/2016 my FICO Score was XXXX. My loan was approved but my APR for the loan was 14.99 %, when it should have been much lower based on my exceptional credit rating at the time of the loan. I feel that the APR applied to my loan was not fair based on my credit history but, rather it was based on my race, as an XXXX-American.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04
Company: Kentucky Higher Education Assistance Authority
State: FL
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:
This account has a zero balance and was paid to XXXX XXXX XXXX via Federal Income Tax Return being garnished in 2012 and I am constantly being harassed saying I have an open account with Kentucky XXXX XXXX when I don't have any active contracts with this company. There is a zero balance as seen attached. Please have company delete both accounts as they are paid in full : Account # XXXX Account # XXXX Thank you, XXXX XXXX Last Four SSN # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I originally wrote XXXX XXXX ( XXXX ) about a {$140.00} collections they put on my credit report of XX/XX/XXXX for a XX/XX/XXXX XXXX XXXX utility bill. I wrote and called to both XXXX  and transunion in XXXX and XX/XX/XXXX and showed proof that I didn't owe it and they all refuse to take the XXXX collections off my report. XXXX put a collections on all three credit bureaus for a Utility bill that originated from creditor XXXX XXXX. The house where the XXXX XXXX bill originated from was sold in XX/XX/XXXX and the XXXX XXXX utility bill originated in XX/XX/XXXX. I had already MOVED and SOLD the house IN XX/XX/XXXX. All outstanding bills were settled or transferred to the new owner. I was not made aware of this bill because I did not live at that house since XX/XX/XXXX and never received notification although I had a change of address with United States postal service and all mail was being forwarded by United States Post office to my new address. I sent XXXX XXXX copies of the notarized documents showing the sale of the property in XX/XX/XXXX. I also enclosed United States Postal Service mail forward form from XX/XX/XXXX showing that I moved at that time. 
Based on the aforementioned, XXXX XXXX should remove the collections from my report. I even I called XXXX XXXX numerous times and they keep giving me the runaround and told me to call the XXXX  XXXX. XXXX XXXX is the collection agency for XXXX XXXX and there is nothing XXXX XXXX can do. XXXX is responsible for the collections that was put on my credit reports. I called XXXX XXXX, I disputed the collections with Transunion, XXXX  and XXXX, but XXXX  was the only one who removed the collections. Transunion and XXXX  will not take it off because XXXX will not budge and do what is right despite me writing, calling and showing them notarized documents that I sold the house in XX/XX/XXXX. 

I even paid the {$140.00} because I'm trying to refinance my home and although it is paid and wrote to every high authority at XXXX XXXX  they will not remove the collections. This is a form of oppression to keep my credit scores low so I will not be able to obtain a better standard of living. I SOLD THE HOUSE and THE THE BILL WAS GERNERATED AFTER the sale and I showed proof. The bill was generated and sent to collections years AFTER I MOVED! There is nothing I could have done to have known about this bill or paid since I moved out of the state.

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 2022-11-10
Company: SYNCHRONY FINANCIAL
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Got a letter in the mail from XXXX XXXX XXXX saying I owe and they are collecting for synchrony bank. I called and reported a fraud claim because I never bought anything from the company they are claiming the debt came from. I called again because who ever opened this account used my maiden name and when I tried to get in the account online with the information on the paper I got in the mail I had to use my last XXXX numbers of my social and when I put them in it didnt recognize them. So I called synchrony bank and they passed me around and couldnt even find an account. Then said they found my account but none of the information matched the paper from the debt collector. So an hour of no one telling me anything or helping me they hung up on me. Now I am writing to 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 non-monetary relief
Consumer complaint received 2018-08-31
Company: KEYSTONE EQUIPMENT FINANCE CORP.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/2018, a hard inquiry was placed on my credit report from Keystone Equipment Financial. Unfortunately, I was not offered credit 'after ' the inquiry was made. I have since contacted Keystone requesting the inquiry be removed from my credit report. The Fair Credit Reporting Act states, 'The only permissible purpose for pulling anyone 's credit is A ) A FIRM offer of credit B ) Insurance C ) Employment or D ) A court order. A firm offer of credit is defined by the Fair Credit Reporting Act as 'any offer of credit or insurance to a consumer that will be honored if the consumer is determined, based on information in a consumer report, to meet specific criteria used to select the consumer for the offer. '' I was selected for the offer of credit via USPS delivery of an offer/application, however, my application was denied, therefore, the 'offer of credit ' was not 'honored. ' As a result, and according to the FCRA, Keystone is required to remove the inquiry from my credit report. Subsequently, I've made contact with Keystone via USPS and requested the inquiry be removed. Unfortunately, my request has been denied. Conclusively, Keystone has refused to adhere to the requirements of the FCRA. As a result, I'm demanding complete removal of XXXX XXXX 's inquiry from my credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: U.S. BANCORP
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XX/XX/21 did a wire transfer of {$78000.00} from my XXXX XXXX account to : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, CO to her US Bank account, so she could buy Bitcoin. Never received any correspondence or verification of any purchase from her. 

XX/XX/21 I reached out to XXXX XXXX  and spoke with the branch manager to report the fraud. She indicated that they should be able to claw back the funds from US Bank. I also called US Bank to let them know as well that I was defrauded by XXXX XXXX. 

XX/XX/21 I received a check from XXXX in the mail for {$970.00}. I was told by by the branch manager at XXXX XXXX  that it was all US Bank could get back. 

Why is XXXX XXXX allowed to have an account at US Bank and why am I not made whole by US Bank?

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 2019-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
XXXX XXXX credit card is being reported negatively on my credit files and has been removed and then appears again.this is a fraudulent account that doesn't belong to me. This has been disputed and was resolved and removed and thought to have been handled and then the account reappeared. I have sent the credit bureau the police report and dispute as well as XXXX XXXX XXXX and was advised this would be resolved.

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