BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-15
Company: DISCOVER BANK
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Discover Card continues to harass me even though they know I have no ability to provide any payment and have threatened a lawsuit against me. I was recently diagnosed with XXXX  and additional mental illnesses and are stating to me that collecting the balance on my card is more important than the value of my life. I do not have a source of income. I am unable to work, am under XXXX XXXX XXXX   care and have been admitted in to the hospital on XXXX  watch. The company does not care if I commit suicide due to their harassment. A call lasting 1 hour and 40 minutes today ended up in the creditor hanging up on me while I was hysterical due to my mental state.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Dear Capital One, I did receive the response youve sent attached to my complaint submitted to the CFPB dated XX/XX/XXXX and while I respect that you responded to my Affidavit of Truth, you still did not answer or respond to any of the information contained within the notarized Affidavit of Truth, which still stands. You also advised that XXXX XXXX XXXX XXXX made my first payment due to delays with funding. There was no new contract provided ; there was an additional processing of my consumer credit file ; and you have failed to provide me with full disclosure of the terms of the contract ; I am ordering you to show cause of debt, and show the effects of credit on the financial journal and ledger entries so i can verify and validate any alleged obligations. While you advised that you denied my request to rescind contract, retain possession and obtain refund of down payment, you failed to advise why you are refusing so, and why there isnt an adequate or thorough response to the affidavit that was sent over to you all certified mail and here, to the CFPB. When responding to a notarized affidavit, once you confirmed receipt of the affidavit, you are to rebut my entire affidavit, point by point, and have that rebuttal notarized and signed by 2 witnesses. An unrebutted affidavit stands as truth in commerce. The letter then goes on to state " If you question the results of our dispute process, you may also contact the furnisher of information directly. Please take notice that this is an investigation of the business practices of the above-named organization, its agents, officers, and employees to determine violations of the United States federal consumer protection laws.Further : using corrupt business practices to make and possess false records and claim of obligation, not substantiated by truthful facts in violation of The Federal Racketeer Influences and Corrupt Organization ( RICO ), U.S.C. Title 18 1961 et. seq. Further : using the U.S. Mail to present such fraud and false instruments amounting to Mail Fraud, criminal conduct falling under Title U.S.C. 1341 - Frauds and Swindles laws, and further sending mail with false and fictitious names, criminal conduct falling under Title 18 U.S.C. 1842 - Fictitious Names. I have attached a copy of the notarized affidavit that was signed and received by your company. I am looking forward to your point by point response to the information that was sent over in addition to reviewing the contents of this complaint. The company failed to provide the adequate paperwork for full disclosures including the right of the consumer to rescind a transaction ; this is one of the many violations documented and detailed in the affidavit of truth attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-16
Company: Experian Information Solutions Inc.
State: UT
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:
The inquiries on my credit are wrong

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09
Company: CITIBANK, N.A.
State: CA
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:
While checking my personal credit report, which I acquired fromXXXX, XXXX. I noticed an unauthorized inquiry made by your company CITI CARDS/CITIBANK Cbna on XX/XX/2018 and XX/XX/2018. I did not recognize or authorized anyone employed by your company to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ) .You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights. I request that you either mail me a copy of my signed authorization form that gave you the right to view my credit within five ( 5 )  business daysso that I can verify its validity.

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 2022-08-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, DE XXXX, XXXX XXXX XXXX XXXX, DE XXXXXXXX XXXX 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
Consumer complaint received 2021-08-18
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: Was not notified of investigation status or results

Complaint:
The Credit bureaus seem to throw my letters out or do not do anything on my file. I want the inquiries I did not authorize removed. I have an account that does not belong to me. I also have an account that says charge and does not belong to me. I am attaching a letter of explanation.

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 2021-08-18
Company: MARINER FINANCE, LLC
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 obtained a loan for consolidation. According to Mariner Finance I defaulted on my loan ( My history does not show a default and is attatched I never received notification of any default aside from the warrant in debt ) my loan is secured with a car shown in contract. As a remedy for the alleged default Mariner Finance issued a warrant and debt for the full balance. ( again because I did not have an actual missed payment ), Mariner continued the warrant in debt out from XX/XX/2021 until XX/XX/2021 stating even though my account was in default they wanted to be sure I made one time payments in XXXX the case was dismissed. During this time I contacted the office several times to inquire about why my account was referred to court and was told in order to get my account out of court my only remedy was to re-borrow and close out my current loan or repay the full loan. Since this time my credit report has been coded as a collections account under legal remedy and closed causing denial for rental homes. Attatched is the account status displayed to me which shows Active there is no indication of default or collections. I only knew of the case still being continued in court because I called once I received a copy of my credit report. Myself and my XXXX children will be XXXX due to this companies antics to force me to re-borrow or pay in full. Please help me this company is deceptive. I never received any notices of default other than a warrant in debt for the full balance which i was told by Mariner Finance would be dismissed because I didn't owe a monthly balance and my account is current all the records I have supplied are downloaded straight from their website. This company is abusing the Credit bureaus and legal system and must be stopped!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-07
Company: XOOM CORPORATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I send {$200.00} to XXXX, XXXX on XX/XX/2021. The Money Transfer  co XXXX authorised by XXXX gave me 6 cash pick up locations to pick up cash. But none of those locations were not there or move out from the locations given. 
So I canclled the transaction on XXXX XXXX. Following is the Reciept Cancelling the Transaction Xoom, a XXXX Service Transaction cancelled As you requested, we have cancelled your transaction. 

If we owe you a refund, please allow up to 3 business days after the payment is processed to receive your funds. 
I have tried to talk and email to the customer service but no one is picking up the phobe and no answee on line. I am totally in dark.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
Company: Experian Information Solutions Inc.
State: AZ
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:
The credit bureaus stated my account was properly investigated but how is that possible is the dates is inaccurate and the date last reported is not accurate. this is grounds for removal they also violated my rights under law. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2. States a consumer reporting agency can not furnish a account without my written instructions. 

The accounts in question is XXXX XXXX XXXX account # XXXX ... Also XXXX  account XXXX ... Also XXXX  account # 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 2021-09-03
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My Family and I were affected by the XXXX Pandemic and during that time was unable to keep up with the monthly payment. I entered into forbearance in XXXX and continued that program until XXXX. We began to make payments on the account and contacted the Customer Service team regarding errors in the information we were provided and inaccurate reporting to the Credit Bureaus. Those issues were resolved and we began the Loan Modification process. We provided all the documents request and awaited their response. We received an approved Loan Modification but we were advised that a penalty APR or fee would be applied to our loan for about $ XXXX to $ XXXX. This was assessed due to the 10months that we did not make a payment during the COVID forbearance period. It is very misleading and a predatory lending practice to not disclose that a fee of almost $ XXXX will be assessed while we were in the toughest time of our lives, dealing with the XXXX  and lost of family members due to XXXX. I feel like we are being taking advance of in this situation and have been treated unfairly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: DISCOVER BANK
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2020 at XXXX XXXX. I called Discover Credit XXXX I was first connected to someone at a call center in, I believe Michigan with a name of XXXX. I told her I was denied for Discover student credit card and wanted to apply for secured credit card. She connected me with someone in " acquisitions '' named XXXX. XXXX said I was denied due to my address. I updated my address and agreed to move forward with secured credit card application. She told me she did a hard pull for discover student card. However, I believed that she knew I wanted to apply for the secured credit card since I specifically stated this when I called XXXX at XXXX XXXX. on XX/XX/2020. I disagreed with XXXX. Then I was connected to supervisor XXXX XXXX after this and again on XX/XX/2020 at XXXX XXXX. I told him I was pre-approved for a secured card and thats what I thought I was applying for with XXXX. He refused to offer any resolution. Without reaching a satisfactory conclusion he said he wouldn't be available to speak about this until Monday XX/XX/2020. I called Discover again XX/XX/2020 at XXXX XXXX and spoke with a gentleman in the XXXX center who connected me with supervisor. I explained that I wanted to give opportunity to make this right in lieu of going to Consumer Protection Bureau. She said they can not remove an inquiry no matter what. However, her statement contradicts what XXXX XXXX told me that an inquiry could be removed but he did not find any reason to do so. She said she was going to again connect me with someone in " acquisitions '' she said that they can not remove an inquiry and I gave her an opportunity to make this right in lieu of going to CPB. She declined and I informed her I was reporting this to Consumer Protection Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10
Company: Convergent Resources, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hello, I am filing a compliant about a Debt Collections agency called Convergent Outsourcing. I had an old phone bill for XXXX sent to them. In a piece of mail and on their website they falsely claim to make a settlement for the amount owed. On their website they claimed if I made a payment for XXXX my debt would be cleared. It has still never cleared, when logging on to review my account with them it is asking for another amount to settle the account. I have XXXX screen shots attached below. I have also emailed them multiple times and never get a response. I would like to clear this off of my credit report as I plan to join the XXXX next year and can not have accounts in collections. 

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 2020-10-10
Company: EQUIFAX, INC.
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 information incorrect

Complaint:
Please investigate the following information. XXXX XXXX XXXX   XXXX. The address for this creditor is incorrect, correct it or delete this account. The date of last payment is incorrect, correct it or delete this account. The date of 1st delinquency is incorrect, correct it or delete it. XXXX XXXX XXXX  XXXX. Date open is incorrect, correct it or delete it. Date of first reported, correct or delete this account. The high credit amount is incorrect, correct it or delete this account. XXXX XXXX XXXX XXXX XXXX. No contract with this company. Refused to provide documentation this is a valid debt. Delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. PLEASE PURGED ALL THE DISPUTED ACCOUNTS OFF MY CREDIT FILE, IT HAS CAUSED DAMAGE AND I WANT TO PREVENT IT FROM FURTHER DAMGE TO MY CREDIT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
To whom it may concern, My mortgage with Bank Of America was in forbearance. By now I exited the program and made up on all payments that were missed totaling {$12000.00} I'm currently applying for a new mortgage loan and I need a letter from bank of America confirming that all mortgage payments are up to date and that my loan is no longer in deferment. I tried calling Bank Of America several times but I'm not being successful in getting this letter

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 2018-02-22
Company: Professional Recovery Management
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I lost My Social Security And report to police and they can delete some Account i have on My Credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09
Company: EQUIFAX, INC.
State: SC
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 have sent 2 separate letters on XX/XX/2020 and XX/XX/2020 asking for verification of multiple fraudulent and questionable items on my credit report and have not received back anything in over 90 days for these accounts that are clearly inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers and this has caused a major stress on my life and loss of wages.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2018 I mailed a certified dispute letter disputing information from an unknown account, XXXX XXXX for {$910.00}, that was added to my experian credit profile. I waited 30 days and did not receive a response from Experian. I called today on XX/XX/XXXX and was advised that experian did receive a response from the creditor but had not verified it by documentation or any other means saying instead that the creditor " disagreed '' with the dispute. They were not able to tell me why I was not notified in writing of the results, when the results were available, or if they would ever send the results. I explained to them that they were obligated to verify this account and they only offered to start a new investigation which would take another 30 days. This infringes upon my rights under the fair credit reporting act. I would like Experian to either verify this account and send me in writing the methods used to verify this account or delete this negative tradeline immediately.

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 2021-08-18
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
My mother died in XX/XX/2021. She had a safe deposit box at Chase Bank in XXXX, FL. I can not get anyone to answer the phone or take a message. The XXXX number to reach a Chase Banker will not let me in because I don't have my mother 's full account number. I have the last few numbers of it. I live 350 miles away. My mother 's attorney is in XXXX, and she wants me to get permission for her to get the box open to look for the original Will. I know the box number, and I have the key. She said she will mail me the legal forms for me to sign giving her permission to gain entrance to the safe deposit box. I believe I am on my mother 's box. If they would just answer the phone, it could be taken care of, but they won't. Please help me. I am my mother 's sole heir, and my attorney has her Death Certificate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05
Company: AR Resources, Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This company reported a debt to the credit reporting agencies and this is not my account. If this is medical it is in violation of HIPPA. I never received anything regarding this to verify this is my account. The last four digits of my social security number XXXX. Partial account number XXXX.

Company response to consumer: Closed with explanation