BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-27
Company: Experian Information Solutions 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:
This is an attempt to correct my XXXX, XXXX, and EXPERIAN credit report ( s ). I have identified fraudulent accounts. Please block the accounts listed below : XXXX XXXX   : XXXX - {$190.00} XXXX XXXX XXXX XXXX : XXXX - {$560.00} These are the accounts I request to be removed permanently from my credit report ( s ). Please block these accounts. These accounts are unverifiable and violate my consumer rights.

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 2018-07-25
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I XXXX XXXX have completed a modification request with my former mortgage servicer, XXXX XXXX, XXXX. I was in the process of getting all documentation sent to the former servicer through a third party, and an attachment of my power of attorney is hereby attached where XXXX XXXX was working with this individual. I received notification late XX/XX/XXXX that servicing was transferred to Carrington Mortgage Services , LLC . I believe that my entire file should have been transferred upon transfer. However, I have not been notified of having a loan specialist assigned to my file by Carrington. What I did receive was a formal service that my home may be foreclosed upon. As a veteran of the XXXX XXXX, I now have several medical issues I deal with daily. I had no choice but to file for a Chapter XXXX bankruptcy last year. I am now in a position to either start making mortgage payments again, but I need a line of communications open to complete the process. I do not desire to bring in any federal agency where veterans  such as myself can have their rights protected, especially under the Fair Debt Collection Practices Act. According to the XX/XX/XXXX addendum to the FDCPA, that was forced into legislation by the Consumer Financial Protection Bureau ( CFPB ), once I had a modification package submitted, I was now protected from any active foreclosure action. Therefore, I must now request that my rights be protected through the FDCPA. I must have a loan work-out specialist to my file, and all communications must be through a third-party. All foreclosure threats must cease immediately and my rights must be protected accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: Experian Information Solutions Inc.
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 am a victim of fraud. Also I have a consumer statement on my report victim of fraud The following companiesXXXX  XXXX Experian XXXX XXXX are giving unauthorized and inaccurate information. Also I have filed these complaints and disputes numerous of times. I did not authorize I did not give any of these creditors access to my report I ask that they remove these following inquiries. I will allow 30 days for my account to be updated. 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 XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX I have contacted the credit bureau on several occasions.

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 2022-02-03
Company: Nelnet, Inc.
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I applied for an Income Based Repayment ( IBR ) plan on XX/XX/2022. I still have no response. I contacted student financial aid about this on XX/XX/2022. No response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23
Company: Law Offices of Robert A. Schuerger Co., LPA
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Over the last 6 months I have received over 20 phone calls calling to collect a debt. The robo caller is asking for somebody named " XXXX XXXX ''? That's not anything remotely close to my name. I have called multiple times to inform them that they have a wrong number. I am blown off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 have been disputing with transunion since XXXX. I started to wonder why i never heard from them. I called them the other day XX/XX/XXXX and they told me the reason i have not seen progress with my disputes is because they were thrown away due to the fact the dispute dept thought it came from a 3rd party because I wrote the letter of my dispute too professionally.

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 2022-02-03
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On the day XX/XX/02 i was trying to make a withdrawal with my bank account from XXXX in a Chase bank. The amount that i tried to withdraw {$400.00}. The ATM did not give me my money and it said that i needed to call them about it. I tried one more time thinking that my money was still in my bank account. It gave me a receipt saying that I didnt have founds. 
Called Chase customer service and nobody gave me an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
As a consumer and natural person only I can be the original creditor. Only I the consumer can extend credit with my social security card which is also considered a credit card by law. This allows me access to my open-ended credit plan. 

I have been mislead by CAPITAL ONE. I have a credit balance on this credit card account and i am requesting my refund which is owed to me, the consumer. I have attached proof with federal laws and clear violations under 15 usc 1601, 15 usc 1602, and 15 usc 1666.

I have requested previously and was denied my right as it is my credit that I have extended it.

open ended consumer credit plan means a plan under which the creditor reasonably contemplates repeated transactions, which prescribes the terms of such transactions, and which provides for a finance charge which may be computed from time to time on the outstanding unpaid balance. pursuant to 15 usc 1602.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I leased a new XXXX through XXXX XXXX. I have been driving the car for 3 weeks now and just received a letter from XXXX telling me they raised my monthly payment by {$4.00} because the tax rate was different where I live verse the area where I leased the car. Can they do this or is my lease contract binding for my agreed payment. I leased the XXXX at XXXX XXXX and live in XXXX XXXX Florida. XXXX claims there is a 1 % difference in the tax rates. No where on my lease does it say this may be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I contacted Capital One as I had done previously on XX/XX/XXXX, and then again sometime later in XXXX to enroll both my accounts in the covid relief program. I had done so previously in XXXX, and was told my account would not be reported further past due than it was at that time ( which was 17 days past due ). When I called on XX/XX/XXXX the representative advised me that BOTH my payments for both my accounts would be reset to XXXX  and due in XXXX. I received an alert in late XXXX that my account ending in XXXX had been reported 30 days past due by capital one ( {$180.00} ). I called them to ask why, since I was enrolled in the covid relief program, and was told I would not be reported any further past due then I was initially was ( which was not 30 days ). The representative transferred me a to a supervisor who didn't understand what was going on. The supervisor said she would submit a 'contact ' to the backoffice and have them go back and listen to the call to see what was said. They said it would take 10-20 days for a resolution. I called back again to see if there were any other payment programs available, since my husband is still out of work and receiving unemployment and the {$600.00} extra benefit will likely end soon, which would leave us unable to pay our mortgage. I was told there are no more covid relief or any other hardship assistance capital one could offer for either of my accounts. I was able to make a payment for my account ending in XXXX since the minimum payment is much smaller. Today I received a call from XXXX client ID ( XXXX ) who told me that Capital One made no error and the rep I spoke to initially enrolled my account for XXXX and not for XXXX. I explained to XXXX if she would listen to the call the representative clearly advised that XXXX 's payment would both be reset to XXXX. XXXX declined and advised there was nothing she could do to help me, and told me I had to pay {$790.00} by XX/XX/XXXX and since they had no financial assistance programs there was nothing else she could do, and asked if there was anything else she could do to help me. Meanwhile, Capital one still advertises on their website that if you're having trouble making payments they have 'help ' available. They have not kept their word by not honoring the terms of the initial covid relief, and reported both my accounts negatively to the credit bureaus. Unlike my other creditors, capital one doesn't send you any documentation when they've enrolled you in a covid program., but I have a attached the screenshoot when I log into my account where they advertise they are here to help, but are really not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2020 I made a purchase on e-bay in the amount of {$32.00}. On or about XX/XX/XXXX I filed a written dispute with Capital One. I was given a credit for the full amount of {$32.00}. I heard nothing more from Capital One. On XX/XX/XXXX my account was rebilled for the {$32.00}. Federal law provides that the credit card company must resolve the dispute " within two billing cycles, but not more than 90 days from the date of the dispute ''. Rebilling my account on XX/XX/XXXX exceeds the 90 day provision in the law. Capital One is NOT permitted to rebill my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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. On XX/XX/22, I let the credit bureaus and the secondary reporting agencies know this. I also provided them with an identity theft report showing items that are inaccurate, fraudulent, unverifiable on my credit file. These items are supposed to be deleted within 4 days according to the Fair Credit Reporting Act. Also, none of these accounts should have been put on my credit file in the first place. I did not give written consent for these accounts to be furnished on my file!! I have in writing, letters from XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, stating that they do not report anything to any of the credit bureaus. I was informed that this information was furnished using LCI, XXXX, XXXX and other secondary consumer reporting agencies. I have a right to privacy! You can not sell and provide false information about me. The defamation of my character and invasion of privacy has caused a lot of stress in my life. I am demanding that these fraudulent items be removed 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 2021-11-30
Company: EQUIFAX, INC.
State: TX
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 recently checked my credit file and noticed hard inquires on my credit report that were not authorized by me. XXXX ( XX/XX/20 ) XXXX XXXX XXXX XX/XX/20 ) and XXXX XXXX XXXX XXXX XX/XX/20 ). I have never done business or have tried to acquire credit from any of these companies so I would like for these inquiries removed from my credit file. I have reached out to these companies already but they do not have any information for me on file so they are not able to help me. 
I think that my information could have been stolen when my home was broken into and someone could be using my information to obtain credit. I would like for these inquiries to be removed ASAP as they were not authorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX, XXXX charged what was my XXXX XXXX Credit Card {$5.00}. I didn't realize there had been a charge, didn't receive any correspondence from XXXX XXXX in form of a credit card statement, phone call or email stating I owed money. I happened to check my credit report and noticed I had a negative mark for being over 30 days late by {$5.00}. I called the credit card company, now owned by XXXX XXXX XXXX in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, all at which time XXXX XXXX XXXX said they would submit a letter to the three credit bureaus stating that this was their fault and to remove the negative remark. The letters were submitted, nothing was done by the credit bureaus accept them saying the {$5.00} was owed but had been since paid. I opened up disputes with the credit bureaus, but nothing has been done. Each time the credit bureaus say there is nothing they can do. This has dropped by credit score significantly and will remain on my credit report and husband 's credit report for seven years. We have/ had credit scores at XXXX. Now my report is down to 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 non-monetary relief
Consumer complaint received 2023-08-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI
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:
A Bank of America inquiry on XX/XX/2023 applying for a unlimited cash rewards visa signature card. Refer # XXXX. I didn't apply for this card.

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 2022-11-07
Company: EQUIFAX, INC.
State: TX
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 got a fraud alert XXXX XXXXXXXX XX/XX/2022 from my bank. It seems as though someone tried to open a credit card account with XXXX XXXX bank using my social security number. 
I am in the process of notifying all XXXX credit agencies ( XXXX, Equifax, & XXXX ) to put a freeze on my account so that the XXXX can not be used until further notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: PNC Bank N.A.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On or about XX/XX/XXXX, we requested a continuance on our forebearance mortgage with PNC Bank, as entitled by the provisions of the CARES Act.

We submitted financial statements, assets, monthly living expenses, tax liabilities, profits and losses and other financial information. Every possible data was provided without any hesitation. However, once we submitted all the data, they closed the request stating they needed a profit/loss from my current employer. Why would I garner losses on my W2? It makes no sense. In fact, all these information were part of the submission.

In accordance with the CARES Act when a borrow request a forebearance should be granted without questions and delays. In this case, we went through stressful and difficult times trying to state our urgency to have an extension of the forebearance.

We don't want to renege on our financial obligations. We simply want an assistance to help us while we structure our finances. Our goal is to be solvent in the 1st quarter of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: KLS Financial Services, Inc
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 KLSFINANCIAL ( Original Creditor : XXXX  XXXX  ) account number XXXX. 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 {$150.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: Financial Credit Network Inc
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Financial Credit Network constant calls from them. This are XXXX bill all in different amounts totaling {$5000.00}. I unfortunately have no means of paying this and they continue to call and harass leave messages and call at all times of day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: Experian Information Solutions Inc.
State: TX
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:
XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Texas XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 

Item # 1 : I dispute XXXX XXXX XXXX XXXX XXXX {$7800.00}, account XXXX. This is not mines. The company didnt send me any notification of debt. This is required by law. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt.

Item # 2 : I dispute XXXX Balance {$0.00}, account XXXX. This account is paid in full and was paid as agreed. I have attached payment history. is not mines. This is required by law. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt. 

Item # 3 : I dispute XXXX  XXXX XXXX XXXX {$24000.00}, account XXXX. This payment history is wrong. I have attached payment history XXXX  XXXX XXXX agreed to. Please delete this account. XXXX  XXXX XXXX did not report this account correct for more than a year.

Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report. In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items.
Thank you for your prompt attention in this matter. 
Respectfully, XXXX 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