BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-18
Company: Bread Financial Holdings, Inc.
State: FL
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:
my credit was pull from this company I don't recall and don't recognize the name of the company is XXXX XXXX XXXX XXXX XXXX, NJXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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: Overcharged for something you did purchase with the card

Complaint:
On XXXX XXXX 2017, When the Auto dealer XXXX XXXX, XXXX Texas. retail repair store offer me replace new parts On key and Ignition lock, I agreed. However, they cheating whole thing, Deliver me to totally without replacement, instead just gave me 1 used key Which even not work on remote open door, only do ignition So they cheat me {$460.00} for non replace non service. 
XXXX that dealer also made fake invice, intentionally make wrong my email and address and tele number so as skip their headquarter survey afterwards. 

While I have presented lot evidence to XXXX XXXX creditbcard, they Kick ball, made no faith to customer card holder.

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 2021-05-27
Company: AMERICAN EXPRESS COMPANY
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: Problem with customer service

Complaint:
I would first like to say American Express is an excellent company and its is my favorite card to use. At the beginning of the pandemic in XXXX, XXXX, and XXXX of 2020 I had lost all my income due to the shutdown of the travel industry caused by the pandemic. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX and also a Veteran. Once I was able to restore my income, my on time payments returned like they have for the entirety of having my account. Prior to the pandemic, except for one late payment, my payment history has had no late payments. Several months ago, a customer service representative said they could remove one of the late payments, but unfortunately not the other two. As of today, I still have not received the one late payment removal on my credit report, but I would also like them to reconsider removing all three due to the pandemic shutting down the travel industry almost immediately. I understand this would be an exception to their policy, but if there is any industry that a person is employed who lost income immediately during this pandemic, it was many of us employed in the travel industry. This is my favorite card, and I use it heavily, and American Express is an exceptional company, I just wish they would reconsider their policy due to the pandemic because it is having a dramatic impact on my credit report and I would like to buy a house in another year.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE
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:
Summary of Complaint with Capital One Credit Card Company : On XX/XX/2021, my wifes Capital One credit card number was stolen and used to purchase something from XXXX XXXX  XXXX XXXX XXXX  for the amount of {$95.00}. On XXXX XXXX my wife was still in the XXXX  after XXXX XXXXs and too physically and XXXX XXXX  to go online and make such a purchase. She XXXX XXXX XXXX days later on XX/XX/XXXX. At that time, my wifes credit card had a credit of {$610.00}. Capital One charged the account for the {$95.00} leaving a balance of {$520.00}. I attempted to dispute the charge since it was done illegally with a stolen credit card number. Capital One refused to accept a dispute from me because my name was not on the card. They informed me they would only accept a dispute from the card holder who at this time is deceased. I called Capital One three times to discuss this matter but they kept repeating that only my wife could file a dispute. I informed Capital One that I have a legal document from the State of Delaware when my wifes will was probated that states : That I understand that I will be submitting this affidavit to enable any person owing any money, having custody of any property or acting as a register or transfer agent of any evidence of interest, indebtedness, property or right of the decedent to transfer said money, property or right, or have such evidence transferred to me for the purpose of making distribution in accordance with the decedents will. Capital One would not accept this document. It is noteworthy to mention that other banks did accept this document where my wife had accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX, in addition to the Internal Revenue Service. 
Capital One paid {$95.00} to XXXX which collects money for other companies. XXXX then would send the order and payment to XXXX XXXX XXXX XXXX XXXX. I contacted XXXX by email and they would not provide me with any information but led me to believe they followed their procedure and paid XXXX XXXX XXXX  XXXX XXXX. I called XXXX XXXX XXXX XXXX XXXX and spoke to the owner, XXXX XXXX, who insisted she never received the order and was never paid anything by XXXX. This is further proof that the purchase was done with a stolen credit card number. 
I believe I have a legal right to the original credit amount in my wifes Capital One card account of {$610.00}. The dispute of {$95.00} is an illegal purchase that Capital One needs to accept and deal with as they do with other illegal charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-27
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: Their investigation did not fix an error on your report

Complaint:
XXXX, Experian, and XXXX  has continuously and falsely verified this alleged account. Experian, XXXX  and XXXX  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 ( synerprise ) 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 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 2018-02-11
Company: Experian Information Solutions Inc.
State: TX
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:
This has been reinsterted with out having the debt verified, violation of FCRA section 611 15 USC 1681 paragraph 5 I need this removed asap or will file a lawsuit. 

I never had a big bill like that one they are misleading people with please remove asap. Cease and desist immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: EQUIFAX, INC.
State: WV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
reference is made to CFPB complaints XXXX, XXXX and XXXX where I have sought a copy of XXXX XXXX XXXX full disclosure report, and where XXXX XXXX XXXX, in this latest round of month 's long series of failures on their part, have still failed to send a copy of XXXX XXXX XXXX 's report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: LD Holdings Group, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Contacted Loan Depot in XX/XX/XXXX and started the refi process. The process was long and communications were poor on their end. 
Just closed XX/XX/XXXX we were to get cash out of XXXX but instead of giving us the money they paid off the mortgage on another property we owned. This action was not in the disclosure and I asked them to fix it and they said it was too late. The Supervisor I was dealing with is XXXX XXXX XXXX. Not only was it not disclosed on the form the pages were barrier deep inside the paperwork and skipped over by the agent that came to the house. When we asked the agent when will we get the money he said after the waiting period we would receive the funds by check. After waiting a week and no check I called to find out where the money is they said the previous mortgage lender required it to be paid. They said you must of had a second mortgage and I said NO I DONT. Where is my money? WE will check into it and haven't heard a word since. 

My name is XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Im an authorized user on this account but did not sign up for this on XXXX 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 explanation
Consumer complaint received 2018-02-11
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
IC System is trying to collect on an account that has been paid directly to the creditor ( XXXX ). I have no business dealings with this collection company. I had never received any correspondence with IC System until I started disputing their claim and received a letter after my attempt to dispute with the Bureau 's. I have not given a company above written consent to contact connection with the collection of any debt. I have no known relationship with the company I. C System in regards to a XXXX account. They are trying collect on a debt not owed to them whatsoever.

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 2019-04-25
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
In XXXX  2019, I disputed several inaccurate entries that were reflected on my XXXX  and Equifax reports ( see attached ). Previous addresses as well as previous employment that is incorrect and several other accounts that are reporting inaccurately are currently being reflected on my reports. Please see attached copies of disputes that were sent to both bureaus and as of today, XXXX/2019, neither XXXX  nor Equifax have responded to my dispute. I have not received any correspondence from either bureau requesting any additional time to investigate nor have I received any initial correspondence from them responding to my initial dispute. My tracking via USPS for XXXX  reflects they were in receipt of my dispute on XXXX/19 ( USPS tracking number XXXX ) ; see attached copy of return receipt. My tracking for Equifax reflects they were in receipt of my dispute on XXXX/19 ( USPS tracking number XXXX ) ; see attached copy of return receipt. 

Consumer law mandates credit reporting agencies respond within 30 days to disputes from consumers. XXXX  has had 58 days and have yet to respond. Equifax has 54 days and have yet to respond. As previously stated, neither bureaus has not responded ; therefore, each item reflected on my disputes to each bureau must be deleted. Additionally, I would like a full, updated copy of my credit reports reflecting the changes be sent to my address.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 credit report is not accurate have been paying all my bills and clear all my debt yet my credit score refuse to go up XXXX credit report is violating consumer protection law my score keep going down foe now reason this is madness Transunion is doing the same thing violating consumer protection 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 2018-05-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a Business loan and I got sick in XX/XX/XXXX and tried to make reduced payments and Capital One didnt want to so they filed a lawsuit and we went to court. I told the judge I knew I owed the money and they didnt want to make arrangements for lower payments due to Ill ess so it was bankruptcy or lower payment arrangements and they agreed to lower payment arrangements. I made all the payments and paid the final payment in XX/XX/XXXX and Capital One ever filed the Release of Lien that I paid of the judgment and now they or their lawyer dont want to file it. I have called XXXX and talked with XXXX, XXXX and XXXX at a call center. They can only relay messages to other departments. You never get call backs from these departments or follow ups, no addresses, phone numbers, e-mail addresses. You cant get anywhere past these three people. You are at a dead end with Capital One. Internet only has XXXX. XXXX XXXX XXXX is it a payment center or call center only? You get no where. Its a dead end.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25
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:
I am victim of identity theft

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 2019-04-25
Company: SUNRISE CREDIT SERVICES, INC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
We have debt. There is a no contact order on phones XXXX-XXXX-XXXX and XXXX-XXXX-XXXX. Today, they called twice leaving messages to call them about debt.

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 2018-03-21
Company: 360 MORTGAGE GROUP LLC
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
We fell a little behind last year from a financial hardship, we applied for a loan modification with 360 Mortgage ( servicer of our VA loan ), as we were in the process we were impacted by Hurricane Irma and placed into a forbearance to offer relief. 

After the forbearance ( most other mortgage servicers assisted with disaster modifications by placing the payments in the loan ) but 360 Mortgage did not but forced us to apply as a normal loan modification application. 

My initial application was sent in on XX/XX/XXXX ( it takes 360 mortgage 7 to 10 days to receive and review a document and let you know if it is all they need or to send something else in ) other servicers like XXXX XXXX do this within 24 hours. So then I followed up and on XX/XX/XXXX the requested more documents and I sent in 30 additional pages. Then I followed up and on XX/XX/XXXX I sent in 14 more pages and though surely this be a complete package so my application can go to underwriting and they can place the foreclosure on hold to not violate the dua tracking restriction. 

I kept following up and on XX/XX/XXXX they need more so I send in 45 additional pages thinking this has to be it since what they claimed was above what was asked for before. 

I follow up and on XX/XX/XXXX they need more which they did not ask for before so I send in 45 more pages 360 Mortgage is making the application process so strenuous with the intent of denying me the opportunity of having a complete package so per the CFPB guidelines my sale can be placed on hold while the review is conducted. 

I also received a debt validation letter from the foreclosure attorney on XX/XX/XXXX despite the fact there was already a foreclosure sale date set. I filed a dispute but to no avail as the attorney says their client ( 360 mortgage ) will not agree to stop the sale even though they are in the wrong. 
My VA representative and loan technicians supervisor stated they requested a post ponement from 360 mortgage but they refused to do it. 

This is a violation of many regulations and also violating the Fair Housing Act by refusing to accept and discriminating against my VA military XXXX as valid income even though I provided a valid VA XXXX award letter and 2 months bank statements showing the deposit into the bank. 

360 mortgage is doing nothing more than a bank does when they don't want to approve a mortgage, they just keep making up more and more requirements so it is impossible to get approved. 

My wife and I are XXXX US military veterans whose only income is from XXXX and have served this country. We would appreciate help by having this sale post poned so we can be reviewed for loss mitigation options.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28
Company: General Motors Financial Company, 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:
ON XXXX XXXX, 2017 HARD INQUIRY ON CREDIT REPORT THAT I DID NOT AUTHORIZE, PLEASE REMOVE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-03
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am a victim of victim of identity theft and fraud. My XXXX XXXX account was subjected to fraudulent activity, I applied for the card but never received the first card. That card was stolen from my mailbox and incurred fraudulent charges without my knowledge in XX/XX/XXXX-XX/XX/XXXX. I have in no way benefited from the account, neither did I authorize the use of my personal information. I am not able to identify a suspect. I have attached a copy of my ID to prove this. I have filed a ID Theft report and reported the matter to the authorities. Last XX/XX/XXXX, I faxed my FTC report, copies of my IDs and a letter requesting to this company that the incorrect, fraudulent, derogatory information resulted from fraud/identity theft be removed from my report and asked this company to comply with FCRA 605B, which requires credit reporting agencies and creditor to block such information resulted from Identity theft. It is already the XX/XX/XXXX and nothing has been done. Attached to this complaint is a copy of what has been sent to them last XX/XX/XXXX and what I sent them again today XX/XX/XXXX ( sent them another request and a NEW FTC report and my IDs ). I am willing to take this further and am filling up an SC-100 ( Small Claims ) to have it ready to be filed if this issue still continues and if this company will still not comply with FCRA.

Company response to consumer: Closed with explanation