BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-24
Company: Waypoint Resource Group, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I saw a debt collection appear on my credit report this week. This was for a debt that I had already settled with the original utility company, XXXX. This was done when I moved away, returned equipment, paid final bill. The final amount was only {$180.00}. This was in the early summer of XXXX. There was no further communication, as there was no need. 
Almost two years later the company named, Waypoint Resource Group, reported to all credit bureaus that I held a valid debt. I have never been notified, received anything in writing in paper or email, to validate the accuracy of this debt. 
On XX/XX/XXXX I contacted XXXX to see what happened on their end. Since I used to pay for two different accounts ( my parents & mine ), they messed up on not accurately reported mine as not settled, I can only guess. Either way, I paid it once more. They said they would remove the debt from the collection company, Waypoint. 
On XX/XX/XXXX I contacted Waypoint Resource Group. I asked that they not only close this with the proof of the settled debt, but that they remove the entire report from my credit. I know that only the reporting agency can do such actions. Since they never validated the debt, how could they just report unverified info that can hurt someone's finances. I was hung up three times while trying to speak with an agent at Waypoint. They were extremely rude. They said they tried to contact me 74 times. I like anyone these days have a scam-blocking service by XXXX  on my phone. That service only blocks calls from unfavorable, companies with negative XXXX reports and such that one would earn from scam calling ... After trying to speak with them, I can believe that I am not the only one with a complaint about Waypoint. 
So I ask that you, the CFPB assist me in dealing with this awful financial resource group.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23
Company: CITIBANK, N.A.
State: DC
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 opened a savings account with Citibank as a prerequisite for the Paycheck protection program with Citibank. The savings account is in good standing. However, upon requesting a confirmation and case number from Citibank for PPP ( applied around XX/XX/2020 ), the bank has officially not provided any support as I'm unable to provide them a conformation number or case number which was generated by the system in XX/XX/2020 upon completing the form online. 

At the same time, the bank is saying that I can not reapply as the PPP closed on XXXX. 
The bank is also not providing direction and clarity on why they have reported a charged off account when notice was not provided to the customer. The PPP processing is based on the credit score and  without any assistance by the bank on any aspect, it is extremely difficult for this single mother of XXXX origin recently divorced to navigate the PPP process. 

Additionally I also applied on the website of XXXX XXXX but was never provided any service after the initial inquiry.

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 2021-05-24
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Equifax has continuously and falsely verified this alleged account. Equifax have failed to provide me with any documentation of this alleged account. I have sent numerous of verification letters to both companies with no response only to find out that they are continuing to allege that the account is verified. They are also reporting the alleged account inaccurately across the board which is also a violation of the FCRA requirements. Not only is this unverified alleged account not mine but the information on the account is not the same across the board. 

( FCRA ) ( 15 u.s.c 1681 and following ) requires credit reporting agencies to adopt reasonable procedures for gathering, maintaining, and distributing information. It also sets accuracy standards for creditors that provide data to agencies. Also please not that a consumer has the right to extend 15 usc 1602 ( g ) and rescind 15 u.s.c 1635 Creidt.

Also the debt collector is in violation of ( 15 u.s.c 1692g ) and 15 u.s.c 1692 e. Please be advised that a debt collector who fails to comply with any provision of the FDCPA is liable for any actual damages sustained as a result of that failure and punitive damages as followed by the court in an individual action up to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17
Company: Navient Solutions, LLC.
State: NY
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:
I took out student loans for XXXX XXXX. Afterwards, I served in the XXXX XXXX XXXX from XXXX to XXXX. During that time, I told Navient that I wanted to make payments under the Public Service Loan Forgiveness program. The representative assured me that I was making qualifying payments. I learned in XXXX that three of my loans did not qualify for the program and had to be refinanced. I also learned that I was paying a significantly higher payment than I needed to.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06
Company: Utah System of Higher Education
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: Their investigation did not fix an error on your report

Complaint:
Ive contacted them several times explaining the situation with a late payment being reported. I received zero documentation of payments being due on my loan. No calls were made to me until after the loan showed 60 days late. They told me it was nothing they could do. I provided proof of a forbearance multiple times of another loan and they still reported my loan late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 see multiple XXXX days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Problem with personal statement of dispute

Complaint:
For my auto loan with capital one my loan was switched to paperless without my consent. This made it so my auto payment was filed late as i had not received the coupon in mail. Then my auto loan was reported as a missed payment to the credit bureaus and dropped my credit score. This ruined my credit, and when attempting to resolve they state they tried to contact me multiple times, of which i only received one call where i paid the payment immediately. They refuse to retract that missed payment and I am suffering for what i consider their fault for switching me to paperless.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
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 PORTFOLIO RC ( Original Creditor : XXXX XXXX XXXX XXXX XXXX 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 {$230.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: Experian Information Solutions 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:
SOMEONE STOLE MY IDENTITY AND USE IT ON SEVERAL TIMES TO OPEN UP AUTO LOANS BANK ACCOUNTS AND UTILTY ACCOUNTS I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX   and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2019-01-21
Company: LOBEL FINANCIAL CORPORATION
State: NV
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I financed a car with Lobel Financial on XXXX XXXX. I fell behind in payments in XX/XX/XXXX ( approximately ). I have recently began to try and correct me credit and came across an closed account with Lobel Financial. The date says it was closed XX/XX/XXXX but the last payment says XX/XX/XXXX. I have not had contact with this corporation since XX/XX/XXXX. I have not any payments since I fell behind. I believe they are attempting to change the date of last action in order to extend the statute of limitation. Which I know is illegal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
On XX/XX/XXXX, I purchased a car with the promise of a 60 month loan term. The auto loan was financed by Capital One Auto Finance. Every document given to my by the dealership reflects a 60 month loan term. The dealer did not provide me with a copy of the Retail Instalment Obligation contract that the dealer assigned to Capital One Auto Finance. I am XXXX years old and believed I was about to make my last and 60th loan payment. Capital One Auto Finance insists that my loan term is for 63 months. In XX/XX/XXXX, I complained and Capital One Auto Finance sent me a copy of a letter that they allege was mailed to me in XXXX outlining a 63 month loan term. Capital One Auto Finance has not provided me with a copy of the Retail Instalment Contract. I do not know what kind of bait and switch tactic was used but there has been three ( 3 ) extra months added onto my auto loan in a very deceptive way. I was XXXX years old when this fraud was perpetrated against me in XXXX. How absolutely disgraceful to financially abuse a senior citizen.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: EQUIFAX, INC.
State: NY
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: Problem with personal statement of dispute

Complaint:
Spoke to XXXX XXXX over 10 times since XX/XX/XXXX. They said they were going to remove this negative information of my credit report because it was clearly not my fault. XXXX   canceled my Auto payment and my manual payment because there was a lapse on their system when you extend a lease. I did my part on ensuring my payment was made however do to a lapse on their online system my payments were canceled. I was reported late 30 days for the month of XXXX although I clearly made payments and received confirmations for those payments. They gave me multiple reference numbers however all they do is give me the run around. They are causing me extreme hardship because of the negative impact on my credit report causing me to not be able to get a mortgage. One of their reference number I received from XXXX is XXXX. My auto payment was canceled XX/XX/XXXX and my manual payment was canceled was canceled XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I'm so done right now with this craziness hers is my police report that prove that someone stole my identity and this situation needs to be resolved I'm about to hire in attorneys, if these Fraudulent account is not removed from my credit ASAP I'm trying to be patient but I will sue these companies for allowing these fraud accounts on my credit theses Account need to be removed from 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 2020-08-23
Company: Bread Financial Holdings, Inc.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2020 I received a letter via XXXX from XXXX XXXX XXXX regarding a Comenity Capital Bank My BJ '' s Perks Mastercard. On Monday, XX/XX/2020 I contacted XXXX XXXX XXXX via landline at XXXX to inquire about the threatening and intimidating letter that was mail to my residence. Upon speaking with a representative from XXXX XXXX XXXX I referenced the statement in the letter that stated " your validation rights as described in our previous letter to you '' I informed XXXX XXXX XXXX that I did not have a contract with them and that I had never heard of them before and nor did I have an other communications from them regarding this matter. I was then put on hold for several minutes only to be told that they had purchased my account from Comenity Capital Bank My BJ 's Perks Mastercard. When I asked for how much they refuse to disclose that information and threatened to sue me if I did not pay them what they were demanding. I continue to ask them for documentation regarding the validity of the debt yet they refused and said they had already sent that information of which I continued telling them that I did not have any correspondence form them. The letter that XXXX XXXX XXXX sent to my residence on XX/XX/2020 was dated XX/XX/2020. The language in the letter was threatening and very intimidating. I don't understand how someone that I have never contracted with nor did business with is able to have my financial information for the sole purpose of extorting monies form me with the threat of suit. These actions sound criminal in nature and should not persist. I do not owe XXXX XXXX XXXX any money as I have never contracted with them and did not do any business what so ever with them. On Wednesday, XX/XX/2020 I received a call from an obscure number and when I answered the phone it was someone form XXXX XXXX XXXX harassing me and demanding payment, when I asked for validation of the claim they hung up the telephone. I should not be subjected to such invasions of privacy in my owe home where I have the right to be secure.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23
Company: Experian Information Solutions Inc.
State: MD
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 obtain a copy of my credit report due to covid and noticed accounts i did not authorize.

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 2020-08-23
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Equifax especially and experian want take off third party collections even though the veteran administration pays for all medical bills. I was injured jn combat but went into coma and had no idea I was taken to XXXX XXXX XXXX. Before I got out of coma the hospitals contractors put my at va would pay for everything but they keep h bills in collections. I called XXXX XXXX XXXX out of Virginia would yell and hang up phone. They said they want cash and nothing else. I also told these two credit agencies they transferred medical information to XXXX XXXX  which is against hippa laws. It also took months for decision. Equifax has 25 collections for less then XXXX dollars. The bill for accident was in millions and i think this is also fraud. But they definitely gave XXXX XXXX XXXX my medical history. Also they want bill for these small amounts and want send me fcra section 611 and 625 back to show i even agreed to this. The problem us the credit agencies aren't following federal laws and listening to me for a year. I want these small amounts that veteran admin would pay off but they only want cash. They also got my medical records and that is state and federal law that the hospital or some how they got my records. Equifax and XXXX want rake this off my report but XXXX did and XXXX did 14 off but not 2 of them. I just want what is legally for credit agencies to do. 


XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This was already paid off as part of a debt settlement. They I sent them proof of payoff through a debt settlement and they said they would look into it and call me and never do. They just continue to keep harassing me over the bill that I already paid

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 2020-05-13
Company: Experian Information Solutions Inc.
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: Credit inquiries on your report that you don't recognize

Complaint:
Credit inquires I don't recognize

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 2018-07-06
Company: CITIBANK, N.A.
State: FL
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:
We are in a Hurricane Irma FEMA designated area ( XXXX XXXX XXXX , FL vicinity ). 

We applied for a {$250.00} deferred minimum payment grace period on our Citi credit card ending in XXXX. 

We have not received the {$250.00} payment deferment as promised for XX/XX/2018 that is due by Monday, XX/XX/2018 per Citi Irma Relief at XXXX 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 2022-08-05
Company: DISCOVER BANK
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:
I have been attempting to contact Discover about a reoccurring XXXX charge. I work daily so I attempt to use their suggested online chat function. 

I contacted XXXX earlier this year and they confirmed my account with them is cancelled with no billing on it, but I still am receiving charges. They advised me to contact discover for help. 

I first contacted them in XXXX through the chat. Not only is their chat function poor and continually passes you around to different associates, who all proceed to ask have you tried to contact them? When did this happen? 

Literally for months, I let them know it isnt resolved and still need help. They then ask the same questions I have answered and then the chat drops, looks like it was resolved! Do you want to talk to another associate? 

I keep telling them it isnt and today I told them I need to do this otherwise i need to cancel my card. They proceeded to ask if I contacted XXXX this is XXXX months of fraudulent billing and they refuse to assist whatsoever

Company response to consumer: Closed with non-monetary relief