BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-16
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I got put into a promotional inquires on my credit report and I never signed up for promotional inquiries to be put on my credit report under promotional inquires such as Capital one auto finance, Capital one, XXXX XXXX milestone, XXXX services, plain green, and XXXX XXXX sending my information to these companies and I dont want this on my credit report or send me information for their company and if my information in their system to be deleted. I never applied to any of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
In XX/XX/XXXX received documentation from XXXX XXXX   regarding the amount of qualifying payments I had made in my Public Service Loan Forgiveness Program. The qualifying payments ( total and remaining ) and estimated eligibility dates listed were different than documentation I received in XX/XX/XXXX. I have called XXXX XXXX four times over the course of 14 months. Every time they tell me my review will need more time. After attending a student loan debt seminar, I learned that this was the next logical step in the process of having my issue resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-24
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
i have attached a copy of my report for this CB/Bon Ton account XXXX account. I do not owe them anything ... they shut down the store and have a mess going on with their reporting during their transition..thats on them. Ver irresponsible of them to hurt my credit score by reporting this inaccurate information..i have send them and all 3 credit bureaus letters to validate and verify this account for accuracy. How can they have conducted this thorough investigation for 100 % accurate reporting? they didnt ... .take a look at the reporting between the 3 bureaus it is all over the place ... delete this account now and do not resell this to collection agencies as then i will have to deal with this inaccuracy again

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: Credit Karma, LLC
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XXXX Locking accounts several times through out the day while Im in emergent need of relocating my family from harm. Cant transfer funds to external accounts call no help and get hung up on repeatedly

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24
Company: National Enterprise Systems, Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
NES collections continues to send emails sometimes twice a day. With no info to dispute

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 2021-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 have multiple accounts that are reporting on my consumer credit report that is not showing 100 % accuracy this is a violation of the FCRA and I will be seeking litigation for these in accuracies because Ive been fighting these in accuracies over 4 to 5 months also ive been making CFPB reports also contacted the XXXX  and still nothing is coming about my rights being violated

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24
Company: JFQ Lending, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Solicitation masked as official government notice about XXXX XXXX. Fake info about XXXX XXXX eligibility bringing about lower rates that magically visit upon the borrower. This is a known scam. 

it is fine to receive an offer to refinance a mortgage, but not to lie and mislead the recipient of the letter that there is an official government program behind the offer, when there is not. 

Company listed as JFQ Lending, IncXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06
Company: Roach & Murtha, P.C.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
On or aboutXX/XX/XXXX I contacted the XXXX XXXX XXXX XXXX XXXX XXXX  to inquire about receiving assistance in reducing my property taxes and I spoke with XXXX XXXX XXXX XXXX  sent me a Docu-sign contract ; however, upon reading the terms of this companies fees I opted not to sign the contract and ended up using the law firm of XXXX XXXX XXXX XXXX XXXX. I continued to receive emails from XXXX XXXX onXX/XX/XXXX and finally onXX/XX/XXXXwere it said that my grievance application had expired. XXXX XXXX XXXX  were able to successfully reduce my taxes over the course of the past 3 years and they have been fully compensated for their legal services. This information can be verified on the XXXX County website and i have copies of the court documents as well.

Sometime in early XX/XX/XXXX, I received a phone call from XXXX XXXX XXXX claiming that I had an unpaid debt of approximately {$3000.00}. When I explained to the person on the line that I did not sign a contract with that company, she put me on the line with an apparent supervisor who informed me that it was a mistake. Since then, XXXX XXXX XXXX   has used various debt collection agencies like XXXX XXXX XXXX and recently, Roach & Murtha to aggressively pursue debt that I do not owe ( there were a few other companies that called me but refused to provide me with any written documentation. ) On Thursday, XX/XX/XXXX a female came to my house at approximately XXXX claiming to be a process server and served my wife with what appeared to be official court summons. But there was no appearance date or time and I was being directed to contact either the Roach & Murtha law firm or XXXX XXXX XXXX directly within twenty days to settle the judgement. When I searched the NYS court website there was no such case on file. I believe this be harassment and a violation of ethical practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06
Company: Experian Information Solutions Inc.
State: TN
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:
In XX/XX/2018, I sent a letter requesting the removal of the XXXX XXXX   from my credit report. My rights are protected by the FCRA laws and guidelines which protects consumers such as myself from misinformation being used against them, as of now the credit bureau is not in compliance with these laws. I requested the credit bureau send copies of documentation, court order, and or my authorization of release containing signature. This was not done. I received information stating that the account was updated instead. I have contacted the courts to verify the report of validation in which the credit bureau stated that was done. This is false information. It was stated to me " we did not validate this information nor would we ever. ''

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 2023-07-05
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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-09
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Good Afternoon, I am complaining on the actions taken by NFCU on XX/XX/XXXX in which they permanently closing my account due the suspicion of fraud. I had a friend wired me money from his bank XXXX XXXX XXXX in the amount of {$9600.00} to my credit card, it was on hold for 7 - 10 days to be process but it didn't process at all after several attempts. NFCU representatives declined to assist me in resolving the issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: EQUIFAX, INC.
State: OH
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:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights.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 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06
Company: FIFTH THIRD FINANCIAL CORPORATION
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
After missing one payment in XX/XX/XXXX, and making two payments on XX/XX/XXXX, in the amount of {$290.00}, the second payment was NOT counted as a payment. Late fees accumulated. 

My subsequent payment on XX/XX/XXXX was ALSO not counted as a payment, and I have been assessed late fees even though it was made at a time when the account was not in arrears. 53 Bank   is refusing to handle this or apply my payments correctly. Their online system does not give a user the ability to designate payments, does not notify users how it designates payments, and there are no statements or alerts whatsoever. This product is clearly designed to chisel people with late fees and is predicated on dishonesty. I want everyone to know that 53 Bank is terrible regarding the basics like accepting payments. All you have to do is miss one payment, and then they have you.

Vile, filthy and disgusting people at 53 Bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-09
Company: MSW Capital, LLC
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Msw capital bought the debt from XXXX XXXX. I do not owe this bill because this bill is a result of identity theft. I never had a XXXX credit card. Now I have a lien with a small claim judgment against me. I just came out of bankruptcy and will loose my FHA loan because of this.

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 2018-01-23
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Capital One Auto Finance reports that they were included in my bankruptcy. More importantly, they state in the Comments section of my XXXX report : BANKRUPTCY CHAPTER XXXX, BANKRUPTCY DISCHARGED. This suggests that I discharged my debt to them in my bankruptcy, which I did not. My account was always in good standing and on time throughout my loan. I tried calling about this today and the Capital One automated system said they could not help me, then disconnected. 

I had to include my Capital One auto loan account in my bankruptcy as a matter of procedure. In reality, I filed a DEBTOR 'S STATEMENT OF INTENTION on XX/XX/XXXX as part of my bankruptcy, meaning I was keeping and purchasing my car and continuing to pay Capital One. I did indeed pay off my loan early to Capital One on XX/XX/XXXX. Secondary confirmation of payoff : Capital One misquoted my payoff amount and had to send me a follow-up letter and refund check on XX/XX/XXXX. 

Why is Capital One allowed to suggest that I was a bad account with this reporting and language, when I was always a good account, and since they were not adversely affected by my bankruptcy? Capital One should not be allowed to place a derogatory report on my credit report when they had ZERO loss. Punishing good accounts seems a very bad business practice for Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06
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:
I got an installment loan, unfortunately, I could not afford the payments and the loan status went into collections. When I could afford to pay it off, I paid off the collections account. 30 days later, I received a paid in full letter. I went to the cash call office and submitted my paid in full letter. They had me email with XXXX XXXX ( Customer Concerns Representative ). She would not email me the information, but over the phone she stated that XXXX XXXX  would not be willing to update my report to say that the loan is now paid, regardless of paid in full letter from XXXX XXXX ( the collection agency they sold the debt to ). So I filed a dispute with Experian, the status of my account went from " delinquent '' to " late 120 days ''. I called Experian and filed a dispute with the status, again. And status went from " late 120 days '' back to " delinquent ''.

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 2021-01-22
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I am not able to book a rental car from the card company 's website - Chase XXXX XXXX XXXX XXXX. I called them to make the booking as well but they just waived their hands. Some error shows up on their website which they can't fix and I'm certainly sure if I follow their advice to book after tomorrow, the prices will change

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

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 2017-09-18
Company: Rosebud Economic Development Corporation
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XXXX/XXXX/XXXX at XXXX am, my co-worker said I had a call and the persons name was XXXX XXXX. I spoke with the person and she informed me that she is a debt collector for My Quick Wallet. I explained to not call me at work and she said that if I responded back to the calls she would n't have to call me at work. I hung up, she then called me back XXXX more times at work in a row. I called My Quick Wallet and asked if this normal steps to collect a debt. He said yes and that she was not doing anything wrong and she was following the proper steps to collect a debt. So I got no where with the company.

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 2018-04-06
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
First of all this has been going on for well over a year and a half now. I have filed previous reports, and the responses that are received from JPMORGAN Chase are proof as evidence of the company not willing to assist in any resolution. In my last complaint to them, i had advised JP Morgan Chase that i am a victim of identity theft, my wallet was stolen previously well over a year ago. I did call in to report it to the banks fraud department. As a result there were four bank accounts opened in my name two checking and two savings accounts. These were not authorized. I never lived at the address they had on file, XXXX XXXX XXXX XXXX TX XXXX. Yet even when providing them with proof of such evidence that i am a victim of identity theft they refuse to care. Also they put in their last response a copy of an email that was sent from my email when it was hacked. I had to go through actual postal service, get my address re changed due to the fraud person moving my address mail. As well as get my email address back after finding this out. I did not open any XXXX Credit card with you, I did not sign any fraud letters. I did not use these credit cards. I also did not open these checking or savings accounts with your financial institution. Once again i do not care what previous response you have provided or that you are wishing to not respond any further. I did not write any emails to your executive office. That is not my email, and i did not provide you with any information other than my current address. Which it seems per your customer service rep you now stuck internally for these fraudulent bank accounts and credit cards too. This is crazy. You treat victims with abuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Im applying for a building loan and three hits were in my credit report that I didnt apply for. Two for XXXX both on XX/XX/XXXX, and one for XXXX XXXX  on XX/XX/XXXX. I would like for these to be removed from my credit and to find out if credit was given in my name for these accounts

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 2022-12-15
Company: Bread Financial Holdings, Inc.
State: MO
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:
In accordance with the Fair Credit Reporting Act, my rights have been violated.

15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as ate for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
The company randomly raised my mortgage from {$980.00} a month to over {$1000.00} a month. One employee said there was a tax increase, but no one else could see that information. After 6 -7 months of arguing with the company, they lowered it. But we fell behind trying to keep up with our day to day expenses. I have submitted multiple loan modification requests. I have mailed them, faxed them, and emailed them. Yet they regularly call me during working hours.. when I've answered the phone, most of the calls were dead air calls ( no one was speaking ). If there was someone there, I advised them ( not always in the nicest mannor ) that there were violating the FDCPA by calling me during known work hours. Their response was " we have no control over who gets called when. We use an automatic dialing system. '' The company constantly said that they didn't receive any of them. I submitted my last modification request, requesting to basically restart the mortgage at the {$980.00} monthly payment, but didn't hear a word about it, then received a foreclosure notice in the

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information that should be on the report is missing

Complaint:
I contacted Experian, XXXX and XXXX in XX/XX/XXXX to remove " incorrect '' Personal information on My credit reports. I was told the false information would be removed within forty eight hours, but As of today XXXX XXXX more incorrect info has been added to my consumer report. such as Fraudulent Hard Inquires, My Name, mailing Address, Phone number, Employer Name.

Company response to consumer: Closed with explanation