BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card
Issue: Other

Complaint:
XXXX, NJ XXXX XX/XX/2017 CapitalOne Credit capitalone.com XXXX Re : Blocked Use of Credit Card Dear Sirs, I was embarrassed twice in past three days when card was denied at XXXX and at XXXX. Checked balance before I left house and had {$110.00} available. Charges were {$81.00} and {$71.00} respectively at those XXXX locations. 
WHY are you blocking use of my card? I want hear from you reasons and when it will be ok to use. Last time spoke to customer service representative, told him card was ok and was NOT to be blocked. Only needed refund of charges from company I complained about. 
If he went ahead and blocked it, he did wrong!! Without my approval and authorization. 

Thank You. 
XXXX Called XXXX @ XXXX and got XXXX, who hung up on me in middle of conversation. Called back and got XXXX. Told her to get me Supervisor. He was unable to help me either. System was down and was n't expected back for several hours. PLUS, he said they were unable to call out or email out or txt out from his office. Told him that was ludicrous. Also said if I called back and could not get satisfactory explanation why card declined at XXXX and XXXX visits would forward complaint to BBB, FTC, NJ Attorney General Office and any one else I thought could tweak CapiatlOne. 
CapitalOne did not send me email, txt or call me explaining reason for blocking my charges at these stores. I have been getting my usual monthly txts with amount of balance on account and have not gotten any others for several months. Upset with CapitalOne and expect some explanations. Guess you will have to send me a letter in response to this letter since customer service cant do any outgoing contacts. 
. 
XX/XX/2017 XXXX Calling back today. Spoke to XXXX. 
My account was blocked. Whomever did it should be reprimanded. I DID NOT ask for that. The last time I spoke to Customer Service was about 5-6 weeks ago and I emphatically told that gentleman NOT TO BLOCK MY ACCOUNT OR CARD. I knew who used my card and was only requesting that charge be reversed. There was NO FRAUD involved. If he did what I asked them things would be ok. He kept pushing me to block and cancel the card. I did not appreciate that and told him so. Leave things just as they were and ONLY reverse the charge I complained about. 
You should be able to track that call and who I spoke to. Calls are recorded, right? 

Sending this out XX/XX/2017 XXXX. Took extra time to think on it and still want to complain andmake sure senior management is aware of what happened. Also, they need to fix my not being able to send letters to web site and allow supervisors to call out to customers. 

Thank You. 
XXXX Cc. : BBB FTC NJ Attotnry General, Dept of Consumer Affairs

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Identity Theft & Fraud, that was never blocked/removed, these accounts were joint accounts with my husband, on my account. Duplication Accounts, Inaccurate Accounts Accounts Information Incorrect, on loans balance, payments amount. Account not charge of paid in full.

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 2022-08-30
Company: WAKEFIELD & ASSOCIATES, INC.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have contacted Wakefield & Associates in XXXX and XXXX of XXXX. This company placed an invalid debt on my credit report reflecting the year XXXX. I explained to a representative at Wakefield on XX/XX/XXXX, that I do not owe any amount to XXXX XXXX XXXX as of XX/XX/XXXX. After speaking with a representative from XXXX XXXX XXXX, they sent an email to me with in a protected message, along with a statement showing a XXXX balance. I also filed a dispute through XXXX. Wakefield & Associates refuses to remove this invalid debt. The money is not owed which has been verified by XXXX XXXX XXXX. At this time, I am being harassed by Wakefield & Associates. After I filed my dispute with XXXX and uploaded the documentation, I was notified by XXXX that Wakefield & Associates provided a verification letter that the account is accurate. The verification by Wakefield is blatantly false. When I have called Wakefield, the representatives are inappropriate on the phone by saying to me, " it's not my problem your problem. '' This statement is evidence that Wakefield has no intentions of removing this account and the invalid debt out of their office. I believe the company is also engaging in deceptive business practices by scamming Medicare and Medicaid beneficiaries, in which I have both benefits for my healthcare needs. Please assist me with this matter and inform Wakefield & Associates of the invalid debt, and inaccurate and unfair debt reporting to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: Mr. Cooper Group Inc.
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
on XX/XX/XXXX Mr Cooper the loan servicing company and XXXX  holder for my house discharged the mortgage. They mailed and emailed me a statement showing that the remaining balance was discharged. Their statement was confusing to say the least. on the top right corner they have a date of XX/XX/XXXX of a payment of {$100000.00}, within that same page in the center that amount of {$100000.00} states that it was discharged. When i call to get a better explanation they said that its not discharged and they are no longer servicing the loan which makes no sense. I have called over 8 times and spoken to multiple agents and neither seem to help or be able to tell me when the discharge of mortgage will be sent. 

each agent said to me that XXXX XXXX is now handling the loan. When i call XXXX XXXX they state that they are not handling the loan and sent it back to mr cooper. 

I then ask them to provide me a copy of the discharge of mortgage and its been over 60 days pushing 90 days with no letter/copy of the discharge whether its satisfied or not. If they discharged it as they stated to me over the phone and by the statement they provided to me, why have they not sent the discharge to XXXX XXXX office to be recorded. Due to this I am not able to do anything with my house. This unlawful XXXX  is still recorded against my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: DISCOVER BANK
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 a credit inquiry from a fraud ( they applied for a credit card with my info ) and I reported this to XXXX XXXX and to Discover and XXXX XXXX did not remove thnis from every credit bureau. I still see this on some reports and it needs to be removed. I proved it was fraud and I have my credit frozen because it might be apoaring onn the dark web, this has happerned 2 times this past year in which I reported the fraud and I was also notified because I have warnimngs set. This 2 hard inquiries need to removed of all credit reports. please help me and take care of this, thank you, Sincerely XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, U S DEPT OF EDXXXX XXXX, US DEPT ED XXXX, XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX, and XXXX XXXX have 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 an account without my written instructions.

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 2022-08-30
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
My equifax report is 161 pages. My XXXX report is 93 pages and my XXXX report is 63 pages. My reports are not accurate. I have multiple names and alias listed. I have dozens of addresses in states Ive never lived in. There are jobs and employers Ive never had. There is a bankruptcy showing. On one report its listed as a XXXX  and on another report its listed as a XXXX XXXX or XXXX. There are auto loans shown as charged off or included in a bankruptcy that is not true. Both vehicles were repossessed and resold. I have no idea where they are getting this inaccurate information and they refuse to investigate. I have actual video footage of one of my vehicles being repossessed. There are many closed accounts from over 7 years still on my account to include several student loans I paid off now showing as transferred to another lender. I have tried to dispute this online and in writing to no avail. They refuse to investigate and delete these items. Another issue are late payments on a leased vehicle. The payment amounts are incorrect. I paid {$6000.00} in advance and the car company XXXX did not apply it to my account and reported non payment to the credit bureaus. I sent bank statements to all 3 showing the payments. I tried disputing it online. How is this legal? These credit agencies are ruining me. I am now unable to refinance my mortgage because my score is too low due to inaccurate information and hard inquiries I did not give written permission to make on my behalf. I am requesting that my credit report be investigated and updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: Experian Information Solutions Inc.
State: GA
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:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX, XXXX BANK XXXX, XXXX XXXX XXXX, XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX have 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 an account without my written instructions.

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 2022-08-30
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing

Complaint:
I was buying XXXX XXXX XXXX tickets the guy said he has a XXXX account I sent him XXXX transactions {$250.00} each total of {$500.00}. First XXXX was XX/XX/22 at XXXX for {$250.00} the other was XX/XX/22 at XXXX he never sent me the tickets. I called my bank and filed a report but they said the money left the account and they couldnt get it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My ballet school business ( I teach in schools ) was shut down by Covid, and still is due to the Delta variant. I was on forbearance. I was offered a modification payment of $ XXXXon XX/XX/2021. I was planning to accept but noticed it said my balance due of XXXX} was as much as the original loan of {$XXXX} XXXX  years ago. I have paid them {$XXXX} already. I asked for full payment history with balances from the beginning of the loan, including an explanation of {$XXXX} XXXX XXXX they invented, to show how this balance could be accurate. After months of calling, put on hold for XXXX minutes per time, messaging, emailing, texting, and sending a certified letter, I finally received only the last XXXX years payment history. They had previously charged me almost {XXXX} for a previous modification from XXXX to XXXX % They sent me a new loan modification with a higher payment of {$XXXX on XX/XX/2021, with a maturity date of XXXX. That would be XXXX years of paying them, plus another {XXXX, or {$XXXX} for my {XXXX} house. They will not send me the full payment history, no matter how many times I ask or who I talk to. I asked to resume payments in XXXX when my business is supposed to resume ; they speedily set it up for XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04
Company: Roosen, Varchetti & Olivier, PLLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A company claiming to be a law firm has contacted me about a debt they say I owe. I do not recall having a debt with them or any company them claim to represent. I have requested information from this company and I'm awaiting there response. Also, I have issued a cease and desist order against the company. 

A demand for a Certificate of Assessment, Cease & Desist, and a Debt Disclosure was send to ROOSEN VARCHETTI & OLIVIER XXXX Also, ROOSEN VARCHETTI & OLIVIER XXXX was sent a debt disclosure regarding the alleged accounts. The demand for documents were sent via certified mail # XXXX XXXX XXXX XXXX XXXX. 

ROOSEN VARCHETTI & OLIVIER XXXX is indicating that an account with the account number XXXX and / or XXXX is an account that belongs to me. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity. 
2. Provide signed verification of each transaction that is part of the alleged cumulative debt. 
3. Provide the contract or other instrument through which [ Alleged Creditor } authorized ROOSEN VARCHETTI & OLIVIER as third-party collection agent. 
4. Provide a true and correct copy of the instrument by which [ ROOSEN VARCHETTI & OLIVIER } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ). 
5. Provide the delegation of authority from the Director of the Office of Management Budget to ROOSEN VARCHETTI & OLIVIER, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ). 
6. Provide the Certified Assessment Certificate. 


Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ). 
* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ). 
* Failure to provide an Opt Out Notice. 
* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice. 
* Sharing Non Public Information ( NPI ) without providing an Opt Out Notice

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
After filing my dispute with TransUnion verifying this account was accurate and complete after the reinvestigation, I found several inconsistency reporting on this account : XXXX XXXX XXXX Acct. XXXX It is your duty to ensure that all information reported is consistent, fair, and most importantly accurate and complete and you have failed to do so. Please delete this erroneous item immediately. Below are a list and pictures of inaccurate and incomplete information. 

XX/XX/XXXX has XXXX  days late but XXXX show paid. Fix or remove it. TransUnion has XXXX XXXX XXXX days late, XXXX has paid. Fix it or delete it. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX show incomplete data fix it or delete it. TransUnion date last active XX/XX/XXXX. This account was re- age and needs to be deleted for violations because the other XXXX consumer reporting agencies report date last as, XXXX XX/XX/XXXX and XXXX XX/XX/XXXX. All XXXX  can't be accurate. 

TransUnion had an opportunity to correct the my consumer report after conducting their investigation but choose to keep these inaccurate and incomplete information on my consumer report, so please delete it from consumer report. If you can't fix all inaccurate and incomplete information you must delete this account.

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 2020-07-12
Company: ALLY FINANCIAL INC.
State: DE
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:
Unauthorized inquiries on my XXXX  credit report that I did not authorized XX/XX/2019 Ally Financial, I did not authorize this inquiry. 

XX/XX/2019 XXXX XXXX XXXX  XXXX, I did not authorize this inquiry XX/XX/2019 XXXX, I did not authorize this 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 2017-06-14
Company: American Credit Acceptance, LLC
State: SC
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I went in on a joint with loan with my daughter it was approved and the vehicle that was sold to her was a lemon the motor went out. The dealer  XXXX   XXXX   XXXX , SC took the vehicle back and a couple of weeks and found her another vehicle. They again needed me to supply my financial information again for the ban k American Credit Acceptance   XXXX , SC for the second car. I told them no I was n't going to be on that loan since the first car was a lemon. The dealer submitted my information with the second vehicle without my permission and this auoto loan now shows on my credit report as a charge off. I did not give the dealer permission to use me as a joint buyer on this second vehicle.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
For the last XXXX years or so my address has been : XXXX XXXX XXXX, # XXXX, XXXX XXXX XXXXXXXX. Before that as of XX/XX/2012 it was XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXXXXXX, and before that I cant remember the specifics but i believe it was : XXXX XXXXXXXX XXXX XXXX XXXX XXXX. Those have been my addresses for approximately the last 15 years. My phone number has been the same since 2012. I think I'm being discriminated against for some reason because I have contacted XXXX, XXXX, and EQUIFAX repeatedly and they refuse to provide me with a copy of my credit reports! All of my info has been the same for years! All of my banking, financial, legal, residential, government, and ALL OTHER info is the same and basically has been since XXXX 

Please investigate the persons in charge of these awful companies and I suspect terminations are in order ( the only question is : who exactly needs to be terminated for not doing their job )! 

THESE COMPANIES HAVE GIVEN ME MULTIPLE PROBLEMS FROM NOT PROVIDING MY REPORTS, CLAIMING NOT TO HAVE MY INFO ( ALTHOUGH I HAVE PAID OFF A NEW VEHICLE, HAVE A LABOR REPORT WITH THE SAME INFO, AND THEY HAVE ABUSED Y REPORTS EVERY POSSIBLE WAY THAT I HAVE WITNESSED! SPEAK TO THE PERSON WHO SIGNS THEIR PAYCHECKS AND MAYBE THAT WILL MAKE THEM DO THEIR JOBS! ( YES I'M UPSET! )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
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: Investigation took more than 30 days

Complaint:
I was being charged almost double i of my monthly payment I reached to them by phone to resolve the problem so many times and was not fixed in the meanwhile I was told by a rep of the company not to pay tha whole amount but my regular payment a week apart from the date I contacted them and I told the lady that doing so i was going to be late with my payment and she said that it was no problem and she would fix that, the day of the payment came and I paid my regular payment and the issue was not being resolved by the issue about the extra money they were charging me was resolved they had put me in the 30 days past due and reported me to the 3 credit bureaus and I have being calling he rep who told me that with no success and also calling another members of customer service with no answer to my problem, I need that 30 day late payment to be removed from my credit report since it was not my mistake nor my fault of the moneys that they were charging me, please intervene in this problem that I have with this company and it is affecting my credit<hope to hear from you soon Regards 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