BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
I received a garnishment regarding an old collection debt that went into judgement in XX/XX/XXXX. The debt was turned into a judgement in XX/XX/XXXX with the law office, XXXX XXXX XXXX XXXX XXXX XXXX - XXXX, in XXXX, GA. It was cancelled onXX/XX/XXXX. The law firm XXXXXXXX XXXX XXXX, XXXX in XXXX, GA - XXXX, filed another judgement on XX/XX/XXXX. The debt went into collection in XX/XX/XXXX. I have not heard from this company for 11 years. The company that says I still owe them money is Capital One. It has been 17 years since this debt has gone into collection. When I spoke to their legal department, they were no help. They have began garnishing my wages as of today. I moved from XXXX  4 years ago. I now live in XXXX. I was not notified about them garnishing my wages until I received the letter from my company 's XXXX division. When I spoke to Capital One legal division, to XXXX XXXX - Supervisor - XXXX ext. XXXX. I told her that I moved to another state and that I have contacted my attorney. I told her the debt is 17 years old. She tried to make it seem as if the debt just occured within the last month. I am a single mother with XXXX children and I can't afford to have 25 % of my wages taken from me. I have included the documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15
Company: LoanCare, LLC
State: MD
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Since XX/XX/XXXX I've been inquiring of my mortgage servicer MyLoanCare/ XXXX XXXX XXXX /XXXX XXXX to provide me copies of my loan modification documents. They modified the loan by lowering my monthly payments after going through a long short sale. I've spoken with them over the phone and sent several emails with specific questions related the note, amortization schedule, deferment and related requests. 

To date they have yet to provide me a copy of my loan modification documents or answer all my requests and questions even after reaching out to a number of their employees and contacts.

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 2018-12-14
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:
I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete it ASAP as this is very exhausting. Nobody wants to grant me a loan because of this XXXX XXXX XXXX and 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 non-monetary relief
Consumer complaint received 2018-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 contacted XXXX XXXX XXXX XXXX  after they sent me a letter and placed a hardship loan write-off from XXXX card, buying an already charged off loan in my name, due to XXXX card failed to let the XXXX XXXX XXXX XXXX know that they had already wrote the account off under a government program. I got sick, XXXX treatments did not work and I am on XXXX  XXXX. My family had helped with assisting bills, however once the XXXX treatments did not work, they stopped assisting. I sent XXXX card a copy of my full XXXX  hearing, signed court decision and a letter explaining my medical condition that led to my hardship. 

XXXX card was very understanding and told me they were writing the loan off under hard ship. 

In my entire life, I had never been late, paid ahead of time all of my bills, even paid more than the amount due. Even while being sick. 

I now received a letter that XXXX XXXX XXXX XXXX bought a closed account under my name with XXXX card after XXXX XXXX refused to provide all documents. I did receive from XXXX XXXX   XXXX XXXX what they received from XXXX card when purchasing an already closed account due to hardship, however it did not include the private court XXXX  paperwork that XXXX card had in my file. 

I in turn called the collection agency XXXX XXXX XXXX XXXX on quite a few occasions. They also admitted to they do not buy hardship loans and agreed to close the file and terminate paperwork. 

I am now asking the collection company to please remove the collection account from all three credit bureaus. 
As a XXXX fighter, I deserve to have a bit of human decency and only asking that the collection be removed and all information of an account they bought through XXXX card that was already closed. Per advised by attorney, XXXX bank sold a bad loan, hardship loan that the bank had already closed and wrote off under government program. Therefore, I should not be penalized by XXXX XXXX XXXX XXXX to due the issue of XXXX selling a closed, wrote-off hardship consumer loan in my name.

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 2021-06-06
Company: Experian Information Solutions Inc.
State: MD
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:
XXXX  XXXX  Mortgage Reporters XX/XX/XXXX Experian XXXX XXXX Personal Loan Companies XX/XX/XXXX Experian US SM BUS ADMIN ODA Federal XX/XX/XXXX Experian XXXX Personal Loan Companies XX/XX/XXXX Experian XXXX XXXX XXXX XXXX  Credit Cards XX/XX/XXXX Experian XXXX XXXX XXXX Mortgage Reporters XX/XX/XXXX Experian XXXX XXXX Auto Financing XX/XX/XXXX Experian XXXX XXXX XXXX XXXX Credit Cards XX/XX/XXXX Experian Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.

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 2021-06-06
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Chase reported derogatory payments on my mortgage I contacted them and they indicated they would correct the problem but did not. Did not provide any documentation supporting their conclusion

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-29
Company: EQUIFAX, 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:
I called each of the credit reporting companies on Monday XX/XX/XXXX and asked customer service about removing unknown inquires, XXXX  on XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, and XXXX XXXX XX/XX/XXXX. I was told there was nothing I or they could do other than wait the time to them to remove them selves unless I could provide proof I did not know who the companies were. I asked how I could prove something I did not know about. They said that is why I had to wait for it to fall off.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have been a victim of Transunion inquiries issue that they had. I have over 55 inquiries that are not mine. I have provided all the information needed.

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 2020-08-21
Company: NCP Holdings, L.P.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I pulled my credit reports and to my amazement, saw that you report this account with multiple lates. I also have no knowledge of this account. I disputed this information with XXXX and the results of the investigation came back " verified ''. Not only am I late on any of my bills with any creditor, would never be late on this account if I had one with you, but according to the Fair Credit Reporting Act ( FCRA ), as the information furnisher, you are required to notify me of the insertion of negative listings. Since I have disputed the late payments and no knowledge of this account with XXXX, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. Under the FCRA, you are required to conduct an investigation on this account if I request it. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATION IN REGARDS TO THE INVESTIGATION RESULT. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INTIAL DISPUTE XX/XX/2020 30 DAY DEMAND XXXX/XXXX/2020

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 2018-12-04
Company: Servis One, Inc., Titusville, PA Branch
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I will attach letter of complaint sent certified return recite to XXXX. 

I have sent several letters that have gone unanswered to XXXX. 
overcharging bi monthly fees, and other random fees. late payment and late fees. 
contract states electronic draw monthly. I have no control over this. 
I have never made any payment ever late. 
I have simply asked for the return of all {$7.00}, {$10.00}, and {$30.00} overage fees and any regarding late payments be refunded. 
this has gone on for several years, XXXX never replys in writing, always on phone and the people on the phone have no idea of my account. this is a collection company. 
My credit is perfict and i would prefer to keep it that way. 
I have always made extra principal payments and paid before loan was due. 

Thank You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14
Company: EQUIFAX, INC.
State: AZ
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 contacted Equifax by mail on XX/XX/2018 and XX/XX/2018. I requested verifiable proof of the original signed consumer contract bearing my signature to verify that the information is mine and also correct. Instead, Equifax opened up disputes each time in which I did not request and stated that the accounts were updated and verified. I also requested to know who and how were the accounts verified in which I received no response. When I contacted Equifax via phone I was told that I could find the information of the creditor on my credit report and to contact them myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24
Company: Paypal Holdings, Inc
State: AR
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Transaction authorized XX/XX/2021 for XXXX to XXXX XXXX through Paypal for a transaction on XXXX. Messages to XXXX XXXX through the website have gone unanswered. Although the website indicated it is housed in Ohio, the time stamps for the messages are for the XXXX XXXX time zone. I fear the site is a shell for fraud and wished to cancel my payment before any further exposure occurred. Paypal indicated that it could not cancel a payment once authorized despite the potential fraud and risk. Please see transcript in attached document. Paypal did not provide a copy of the transcript upon my request. The document was copied and pasted from the online exchange that spanned approximately 14 hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15
Company: LoanCare, LLC
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Company- loancare issue- failure to cancel PMI On XX/XX/2018 I paid my mortgage down to below 78 % for which requires the services to cancel my PMI. I contact them in writing twice and phone twice. The first phone call they stated they would cancel PMI asap in accordance with the law. As of a month later it has yet to be cancelled and on XX/XX/XXXX I contacted them again and they stated they have not canceled it since they must look into the loan to make sure everything is up to date which it is. I contacted them again in writing stating I would submit a formal complaint for failure to act in a timely matter and propagation of false information over the phone. They have still not gotten back with me nor sent me any documents for removal of PMI, or even asked for proof of no secondary liens on the property. 
I have never missed a payment, have a credit score of over 800, and they are have subsequently failed to follow the laws of PMI cancelation. Terrible company. One would only expect to have issues with a company when they are late or delinquent on payments but to perform illegally against customers who are up to date on payments is ridiculous.

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 2015-08-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had setup a payment plan in XXXX 2015 to repay back Capital One for a credit card I had. I was told that the balance was over {$1000.00}. XXXX XXXX XXXX started deducting {$35.00} a month from my bank account as agreed. The only thing that bothered me was te amount. My limit with Capital One was {$500.00} so I made a call to Capital one and they too stated the charge off amount was {$500.00}. It states it on all the credit reports as well. I stopped the deductions from my account and requested them to correct the amount to what the real amount was and not the inflated amount that they were trying to have me pay and they stated if I do n't pay the amount that they set up then they would sue me and get a judgment and I would owe XXXX times the amount. You ca n't do this you can only collect hat is owed and no more. They hae taken {$140.00} out of my account which leaves the owed balance to {$360.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10
Company: Experian Information Solutions Inc.
State: UT
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:
XXXX XXXX XXXX {$9300.00} The below item is being reported as an outstanding debt on my credit report. the original debtor has requested that the credit agency remove the negative mark from my report as this debt was settled with them about 9 months ago. 
I disputed this item through the website and after 93 days i still have not received an update on the investigation. when i called the credit agency for an update, they stated that a " glitch '' in the system caused my dispute to get sent to the wrong creditor. a week after and 100 days after i submitted my request for an investigation, my report started reflecting : Dispute resolved and i was sent a letter stating that the item was reporting correctly. 
the credit agency took over 100 days to investigate my issue no communication or updates were sent to me regarding my dispute for 93 days XXXX XXXX XXXX {$9300.00}

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 2020-08-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Old information reappears or never goes away

Complaint:
I've paid the balance with XXXX in the amount of {$550.00}, Bank of America in the amount of {$400.00}, and XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ) in the amount of {$10000.00} between XX/XX/XXXX and XX/XX/XXXX via checking account in a settlement in exchange for a removal from my credit reports including XXXX, XXXX and XXXX. However, it still reflects as a closed and delinquent account. Please assist with the incorrect reporting and removal of 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 2018-12-14
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 information incorrect

Complaint:
Complaint ID : XXXX The aforementioned Complaint with TransUnion is not resolved. Per the FTCA, any derogatory item that can not be verified ; verified means, the original furnisher of information ( not a third party, XXXX, etc. ) i.e. credit card company, student loan lender, mortgage company, or court of record for legal matters. TransUnion, upon request must send where and whom the reported information originated to prove this reported information is not only valid but also, verified. 

If the information disputed, is still " unverified '' as defined by the FTCA, procedures for reporting. The disputed information must be investigated, verified as outlined via the FTCA and IF a disputed item can not prove valid, the item, deleted from the credit file. 

The original complaint to the CFBP recorded, XX/XX/2018, went unfulfilled. Since filing a formal complaint with the CFPB, TransUnion sent letters, titled-notification of dispute, investigation results, and finally, an explanation for the results, with a catch-all summary and consumer rights jargon printed on the trailing pages of the letters mailed. 

TransUnion 's generic mass produced letters, a waste of time and nothing more. Per the XXXX, the item ( s ) of dispute should no longer appear on TransUnion 's credit file, yet remain. I request all disputed items be deleted per the FTCA procedures for reporting.

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 2018-12-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Capital One reposessed vehicle after agreeing to payment plan. Failed to follow through with payment plan after agreeing to split up past due amounts into 3 payments. Capital one refunded payments after they were made and became posted to the account for no reason given. Reposessed Vehicle and failed to notify owner of location of vehicle for over a week violating CA repo laws. Illegal repossession took place as the repo company failed to produce documents related to vehicle after requested then contacted Law enforcement after being asked to stop taking vehicle when vehicle was attempted to be removed when owner was in the vehicle. Owner jumped out of vehicle after vehicle was lifted and by tow truck and attempted to be taken while owner was inside vehicle jeopardizing safety of owner. MOst of monthly payments have gone toward interest charges and charges associated with the full length of the loan not actual interest accrued. Other wise car loan should be considered quashed for failure to offer services made to other similar customers who have suffered hardship situations prior to terminating agreement. Credit report is not reflected with history of account as it should be. and all payments are showing refunded when they have not been. total amount due is not reflecting any payments made.

Company response to consumer: Closed with explanation