BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-12
Company: Experian Information Solutions 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:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : 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 2018-04-29
Company: Ocwen Financial Corporation
State: KY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am having a hard time with Ocwen removing a foreclosure from my credit report because they were able to resell the property at more then was owed on the loan. They would not work with us at the time to even modify the loan at rates we could afford. We had owned the house for over 7 years at this point and asked for the principle to be lowered due to what the property was worth so we could stay in the home. I talked to at least 50 people in the company because they were always assigning us a new case manager so nothing would ever get would ever get taken care of because the next person would have to start the process over and over each time. Then this led to an increased payment. I paid 2 loan modification payments which were never included in our loan and then the payments were always higher then what we agreed on. I are not the type of people to not pay my bills as you can see for the first home that I bought and now rent due to the foreclosure. I am at the point that I would like to buy another home and feel Im very capable of taking care of the bill each month as long as the lending company is sticking to their side of the agreements which I know that Ocwen did not. How can I get some type of help stating that Ocwen loan company did not try to really help me only really wanting to foreclose on my house??

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My mortgage company ( Loancare Servicing ) is reporting late payments starting in XXXX and XX/XX/2020 which I have uploaded proof that it was paid in time, also in XXXX when the pandemic hit us we applied for deferment and was approved until XX/XX/2020, and yet they have continued to report it as a late payment which I told them by law they should not be reporting, I have sent certified mail and also called to try to resolve this problem, when I contacted them I was rudely told that they are not reporting it as late and I must not know how to read my credit report because the problem is not on their end. I have included a screenshot of my XXXX XXXX which clearly shows the late payments of 90 days which made my credit score fall and has caused me to lose opportunities which I badly needed because of the pandemic.

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 2018-07-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
I am writing to make a complaint about Capital One Bank. About a month ago, on the date XX/XX/2018, Capital One Bank has decided that they want to infringe on my financial freedom by limiting my access to 3rd-party financial applications ( XXXX XXXX XXXX  XXXX ) and the decision to suddenly and temporarily no longer working with XXXX XXXX. Due to this, I no longer have access to these applications, or the ability to move funds between them and my Capital One account, and I don't have the ability to deposit money into my XXXX XXXX XXXX. This is an issue for me. I have personally contacted the customer service lines for both XXXX and XXXX, and they have both said that Capital One has severed the connection with them. Upon further investigation and reading multiple articles about the issue and reading a direct statement from XXXX XXXX, Capital One 's reason for severing the connection between them and the XXXX applications, was because Capital One wants you to instead use their Investing Services instead of someone else 's. I am writing this complaint in a last attempt for you, the CFPB, to intervene on this matter and fix this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
CHASE BANK IS A LIAR, INCOMPETENT, NEGLIGENCE MORTGAGE LENDER, THEY LIED TOO. 
THEY FORCED ME TO SHORT SELL MY BEAUTIFUL HOME THAT I LIVED IN FOR 22 YEARS. 
CHASE WILL SAY THAT THEY FOLLOWED ALL POLICIES, UNDER THE LAW BUT THEY DID NOT. 
I SENT BACK ALL DOCUMENTS THAT THEY REQUIRED AND THEY CONTINUELY LOST THEM ON PURPOSE AND SAID I DID NOT SEND THEM IN WITHIN THE TIME FRAME THAT THEY ALLOWED. 

DON'T BELIEVE A WORD THAT THEY TELL YOU. 

7 CHASE TOP EXECUTIVES COMMITTED XXXX, BECAUSE OF THE WAY CHASE CAUSED MILLLIONS OF PEOPLE TO BECOME HOMELESS, CHECK IT OUT. 
I AM REQUESTING {$40000.00}. IN DAMAGES, PLEASE YOU NEED TO GET THEM TO PAY,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12
Company: Immediate Credit Recovery
State: NE
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:
ICR has mislead and misrepresented themselves. they had informed me they worked with US DEPt. of ED with getting loans out default however they were a 3rd party and a debt collector and had nothing to do with the situation with me and the US dept. of ED. I never had to do anything with them because my loans were sold. i've sent my debt val and cease and desist asking them to show me the contract we have showing they are allowed to purchase my information and the original contract showing their a debt collector and is a signed contract saying they can do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02
Company: DISCOVER BANK
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I filed a dispute with a inquiry about a discovery checking my credit without my consent and I have never requested a credit card from discovery. I get emails about my dispute being resolved but every time I try to assess that information its saying I'm putting the wrong information into the boxes. I called the dispute department and they put me on hold for over an hour and I have to return from my lunch break while at work. Its a real inconvenience for me to keep trying to get the results for my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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 WAS ON THE PHONE WITH XXXX # XXXX AT THE TRANSUNION LLC HE WAS THE 4TH PERSON I WAS TALKING TO AND HE INFORM ME THAT I CAN NEVER EVER GET MY CREDIT REPORT ONLINE, HE ALSO INFORMED ME THAT I WILL NEVER EVER GET MY CREDIT REPORT ONLINE AND I PURCHASED THE SERVICES AND I AM NOT SURE IF I GOT A CREDIT BACK ON MY VISA. I DO NOT KNOW WHAT TO DO BUT SUE THEM FOR I HAVE SUFFERED GREATLY AND THIS IS AN OUTRAGE AND I WANT TO BE SETTLED BY COURT ACTION ...

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 2018-07-02
Company: BBVA FINANCIAL CORPORATION
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I had a credit card account with BBVA compass bank which was opened in XXXX. 

1. There was a {$93.00} outstanding balance on the card in XX/XX/XXXX, for which I did not receive a bill and which BBVA compass posted as a late payment on my credit report. 

2. The outstanding balance only came to my attention following the damage to my credit report. At this point, I wrote a check made out to " XXXX XXXX '', as per the instructions of the bank 's collection department. The amount of {$93.00} was deducted from my XXXX XXXX XXXX Checking account on  XX/XX/XXXX. 

3. My credit reports were fixed to reflect that my BBVA compass account, which was a " Failure to pay '' had been updated to " paid as agreed '' status. 

4. In XXXX, XXXX and XX/XX/XXXX, I received emails from BBVA compass stating that my online bill was ready to view. 

5. I had earlier called compass bank and asked them to stop contacting me. The person on the phone could not confirm that the account was closed and was unable to acknowledge that I had paid the outstanding balance of {$93.00}. 

6. If I do not stop receiving unwanted email contact from BBVA compass, I will consider it email harassment and seek legal recourse in accordance with the laws of my state.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-02
Company: DFC Global Corp.
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
About two years ago I took out a loan from moneymart. I was unaware these types of loans are illegal in Arizona. I have paid thousands in interest At a rate of more than 100 %. The statutory maximum in Arizona is 36 %. The lending disclosure forms clearly show the interest rate is more than 100 %. Since this loan is illegal in Arizona I would like the remaining balance to be voided. I have paid back the original loan and a large amount of interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AK
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
XXXX XXXX XX/XX/2019 phone call from ( XXXX ) XXXX in regards to a complaint filed against me for a unknown reason XX/XX/2019 phone call from ( XXXX ) XXXX phone call from the same Fake collections agency. I finally got to speak with these people, they wont provide me with a actual address, reference number or account numbers.. XXXX   told me that Capitol One was the credit card company that sent me to collections and that if I didn't pay my bills its my fault they are calling me. XXXX hung up on me so I called back and asked to speak with her manager, they put me on hold to speak with XXXX XXXX who works with XXXX. 

CAPITOL ONE data breach is the reason why these people are harassing me. 

XX/XX/2019 I spoke with Account Specialist- XXXX @ XXXX with capitol one and she stated my account has a XXXX  balance and paid in full and currently closed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX has sent me a letter Im attaching to this complaint, that they have removed my account from their system and marked it as fraudulent. Removing me from any responsibility for the account, which was previously a charged off account. 
Experian refuses to remove the account for the last 60 days now and refuses to allow me to show them the letter from premiere. Saying account can never be disputed again I dont need to dispute the company removed it. 
Why Experian refuses to comply is a gross violation of the FDCPA, FCRA and the FTC.

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 2018-07-02
Company: EQUIFAX, INC.
State: AZ
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 am a victim of identity theft. The following accounts and credit inquiries are listed on my XXXX, Equifax and XXXX XXXX credit report, are all fraudulent and unauthorized : XXXX XXXX, XXXX XXXX XXXX   XXXX XXXX DC, XXXX XXXX   XXXX XXXX Card, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, i never applied for credit or accounts with any of the creditors listed above.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 filing this complaint because the bureaus have ignored my request to provide me with the documents that their company has on file that was used to verify my accounts that I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under section 611 ( 5 ) ( A ) of the FCRA - they are required to promptly " delete all information which can not be verified '' that I have disputed. Please resolve this matter as soon as possible. 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 2020-08-25
Company: ENCORE CAPITAL GROUP 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: Information belongs to someone else

Complaint:
Recently, I received a copy of my credit report and found several inquiries and accounts on my credit report that were not opened by me. I don't have any knowledge of these accounts being open. They were opened fraudulently. I understand that under federal law, ( the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the Fair Credit Reporting Act. 
Respondent, please have the following inquiries removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-10
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:
I have been disputing items on my credit report that is old debt. that I have no idea of and is not my debt, I would like the credit agency to delete these items. they are being bought and sold by credit collection companies, And hurting my credit status. I have been disputing these items since last year XX/XX/XXXX, XX/XX/XXXX, and present. These credit agencies are unethical and are in full support of the collection agencies.

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 2018-03-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
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 had a checking account with Capital One 360 back inXX/XX/XXXX During this time i was the victim of fraudulent activity on my account which caused me to go go past due. In Spring of XX/XX/XXXX i claimed Chapter XXXX bankruptcy and was discharged XX/XX/XXXX. Capital one was notified that i had fraudulent activity on my account, and that it should be discharged, and collection attempts should stop. Capital one has been very aggressive with illegal collection attempts even after my attempt to inform them they should be resolved. They refuse to let me dispute the items that were fraudulent and occurred pre bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: GOLDMAN SACHS BANK USA
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I have tried several times over the last year to get an Apple Card Credit card issued through Goldman Sachs. I have been denied each time even though I meet all credit criteria. The reason given in the email that is sent to me on rejection is that I have been recently past due. This is based on my XXXX  credit report. I monitor all of my credit reports and the last time I was past due on anything was over four years ago. 
I have contacted Goldman Sachs several times and have asked them to review my application. They can not tell me what they mean my recently past due and they say they can not manually review my application. I have twice asked for a case to be opened for someone to look into an issue with the algorithm and they refuse. 
They just say they can not approve my application. I am asking for clarification of their criteria and a manual review of my application. 

I am happy to provide my credit report if needed. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Back in XX/XX/XXXX, I applied online through Navy FCU to refinance my mortgage loan, at the beginning of the process, the bank has a questionnaire about your situation. 
I submitted all the paperwork needed, amidst XXXX I received a letter stating that my credit was denied, because " the property use does not meet the requirements ''. I emailed my loan officer, called about 8 times, every time I talked to a different agent, they all couldn't tell me an exact answer why was the loan declined, some thought it was a problem with the county, I called the county, the checked my records and even provided me with a statement where it shows that my house was at compliance. At the end I requested a sup, who wasn't available then she called me three day after that last call, the sup explained me that because the military " I am XXXX XXXX XXXXXXXX XXXX '' moved me to XXXX XXXX XXXX I was not technically living in my property back in XXXX, therefore I did not qualify for the type of loan I was applying for, my mom is currently living there, and I explained that the military just moved me a month ago to XXXX, but my home residence is XXXX and I may go back there, I wonder why they have a questionnaire for the application, if they don't apply that profile answers they get, to better classify and get the people in the right type of loan, in my case no one ever called me, I had to call several times, to get even an answer, and it took almost a month after the denial decision was made to get to know an answer, and after all, the supervisor on the line, told me that I'd needed to re apply. 

I believe first, this treatment is really unfair, and not helpful at all, their processes and communication within the same mortgage department is in the air, I talked to many representatives that didn't know what was going on, and us a customer at the end don't get the customer service and guidance for such a big transaction as refinance a mortgage loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation