BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-04
Company: Rocket Mortgage, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Rocket Mortgage keeps calling me to cash out my home equity. I have begged them repeatedly to stop calling me and opt me out of their calls, but they insist that since I have an active mortgage with them they are allowed to keep calling me to sell me on the benefits of cashing out all the equity in my home. They refuse to stop calling me. I don't want to cash out all the equity in my home. I don't see why just becasue I have a mortgage with them they are allowed to keep calling me! Please make them stop!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23
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: Their investigation did not fix an error on your report

Complaint:
in retaliation for me reporting Experian to this agency the ftc and attorney general, they have illegally reinstated six ( 6 ) accounts that were deleted from my credit file on XX/XX/XXXX, XXXX two ( 2 ) of which were identity theft items, that were proven to be fraudulent. on XX/XX/2019 i notified experian that they were the only credit bureau reporting accounts that were supposed to be deleted from my file. these accounts were paid in full and were no longer being reported by the creditors. not only is experian reporting these accounts, they are being reported as charged off, not paid and with a balance due.when i called experian they stated that it was due to a RE-INVESTIGATION, that i requested. why would i request a re-investigation if the file was deleted as a result of my original dispute. this has resulted in my credit score decreasing by 27 points. and once again i have been denied  housing. Experian had no reason to launch a new investigation and then lie stating that i requested.i am XXXX and my husband is a XXXX veteran. we are dealing with numerous physical medical issues. this is harassment and bullying on Experians part.the following items were deleted from my file ; XXXX XXXX ( fraud ), XXXX ( fraud ), XXXX ( paid in full ), XXXX ( paid in full ), XXXX ( paid in full ), XXXX ( paid in full ) & XXXX ( paid in full ). all of these accounts were paid in full in XXXX. and were to be deleted from my credit file as per the creditor. i have reached out to all of them and they have stated that they are no longer reporting and have kept their agreement to delete the files. XXXX  and XXXX-XXXX are not reporting these accounts. experian is also reporting these accounts as of XX/XX/2019 to remain on credit file until XXXX which is also illegal.

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 2022-03-04
Company: Chime Financial Inc
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I opened an account at XXXX. I dont know why but one day during XX/XX/XXXX, they suspended my account. There were {$200.00} in that account. In XX/XX/XXXX, I contacted the customer service they said they will sent me a check in 30 days. I didnt receive anything until XX/XX/XXXX and then I called again. I sent all my documents to them, they said they will open my account in 48 hours. They didnt open it. After that I called again, they said I need to send email to XXXX, I did no one response. I just want my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I file a dispute with equifax for unauthorized inquiries on XX/XX/2022. Equifax refuse to remove the fraudulent inquiries. This is a violation. Under 15 U.S code 1681b permissible purpose of consumer report I never gave you written consent to report anything on my consumer report. No consent is fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: CITIZENS FINANCIAL GROUP, INC.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have had an XXXX checking account since XXXX. Last year XXXX informed me I will be transferred to Citizens bank in XX/XX/XXXX. I closed my XXXX checking account on XX/XX/XXXX, before the transition happen in XX/XX/XXXX. However, I am not sure what happened, I still received Citizens bank 's checking account debit card, and mailed me a letter saying I have a checking account with them, although I never decide to open an account at Citizens bank. I try to contact Citizens bank customer support several times but can not reach a person to close my account. Please close any existing accounts under my name immediately in Citizens bank, and remove my profile in your bank. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
This complaint is a follow-up to an earlier complaint ( # XXXX ) filed on XX/XX/XXXX. On XX/XX/XXXX, I received a reply to the original complaint which instructions to get the information that I had requested. 
I have tried several times to obtain the information, first on XX/XX/XXXX, and XX/XX/XXXX via letters., On XX/XX/XXXX, via fax, and finally via registered mail on XX/XX/XXXX. 
Capital One was supposed to provide me with the information within 30 days of receipt of my written request. I verified that Capital One received the letter on or before XX/XX/XXXX. 
Today, XX/XX/XXXX, I contacted Capital One to inquire why I hadn't received the information. Unfortunately, after being transferred several times and waiting on hold for approximately XXXX minutes, the call was disconnected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-15
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
The company refuses to remove a creditor that was deemed a predatory lender. a settlement was reached and is not being recognized by Experian.

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 2019-05-12
Company: EQUIFAX, INC.
State: AL
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:
On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX - I sent Equifax a dispute concerning inaccurate items on my credit report. Specifically XXXX XXXX, XXXX, XXXX, and XXXX XXXX . XXXX XXXX is reporting inaccurately because a collection can not list a past due amount or terms. Equifax has failed to do a proper investigation in an attempt to leave inaccurate and outdated information on my credit report. XXXX is also a collection account that is reporting inaccurate information because it is also reporting a past due amount and terms. This is a violation of FCRA and I will seek legal action if this complaint does not yield deletion of this negative information. I think it is ridiculous that the credit bureaus are allowed to report inaccurate information and just believe anything furnished by the creditors. Furthermore, neither XXXX or XXXX funding never validated the debt as required by law and as they would be instructed to do in a court of law ( they would be required to prove they own the debt ). I sent debt validation letters and they never responded. You can not just claim to own debt without proof. Lastly, Equifax is reporting two outdated accounts which should have been deleted XX/XX/XXXX based on the First date of last delinquencies. However, Equifax continues to allow XXXX and XXXX XXXX to report inaccurate late payments, different lates for years and they are reporting this inaccurate information across all credit bureaus. Both of these accounts are OUTDATED and a violation of my rights under the FCRA. THE CREDIT REPORTING TIME LIMIT HAS BEEN EXCEEDED! Stop using that XXXX  system and follow the law! XXXX versus XXXX is case law that states the burden of proof is upon the CRA 's and not the consumer! They have exceeded the 7 year period and I demand deletion! My next letter to Equifax will be from an attorney with an intent to sue if this inaccurate information is not deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09
Company: Navient Solutions, LLC.
State: MO
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Navient has used XXXX different phone numbers in attempts to contact me since XXXX XXXX. Many numbers have called repeatedly. When the numbers are called back they are reported as not in service. 
Navient has also contacted my employer after being told that is not permissable. 
They have sent fax requests for information when they were told this was not permissable. 
They have threatened legal action. 
They have offered 'solutions ' via email but refuse to provide any additional information via email when requested. They state they can only speak over the telephone. 
Viable information that Navient does in fact negotiate via email and offer deferrment and/or forebearance via email.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/XXXX I applied for a credit card with Capital One and received an instant approval with a credit limit of {$2000.00}. When trying to download the ap I noticed the account was restricted and I reached out to capital one. I was told by 3 fraud reps that Capital One made an error with my application and it was approved in error and I would receive a letter in the mail on how to proceed. No one was able to validate what error was made by Capital nor how  it could effect an account being approved. On XX/XX/XXXX I noticed that account was closed and I reached back out. I was told that Capital One accidentally linked a promotion code to my account and that the account was closed to " protect me ''. I advised that the excuse given was NOT acceptable. when applying for credit a customers profile is pulled along with income information to determine their creditworthiness. Capital One told me to reapply but its not a guarantee I will be approved. This is a poor credit practice and it is not fair to me as a consumer to be approved for a product based on my personal information imputed and then told there was an error on CO side and the account was closed. capital One still has not explained to me how a promotion code could affect my approval. As I stated an approval is based on each individual consumers person information and credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09
Company: Bread Financial Holdings, Inc.
State: NV
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I requested a due date change on my account. I requested the due date change to the XXXX of every month instead of the XXXX. Reason being I get paid once a month on the XXXX Wednesday of every month. Due to where the fluctuation of certain days in a month occur, my pay day sometimes falls after my due date of the XXXX. I was informed because of where I live ( West Coast region ) the company is unable to change my due date. This inflexibility will sometimes cause me to be late with my payment. I am trying to be a responsible debtor so that none of my payments are late and I feel this company ( XXXX XXXX ) is hindering my ability to be a responsible debtor. Every other credit card I have, has been able to acquiesce my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23
Company: Dream Center Education Holdings
State: MD
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The University that I was completing my XXXX XXXX in XXXX I had all of a sudden been accessed with a {$7000.00} bill owed that was 3 /4 years prior. I contested the amount owed directly to the school stating that it would not take 3/4 years to realize I owed a private debt beyond the Student Loans owed. The School has  since had their accreditation revoked due to misappropriation of federal Funds and stealing from the students without returning said funds. Thus, that was a scam attempt to collect more funds from the student.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-21
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
BBVA Compass bank provided me with misleading information about the funds in my account, which caused me to overdraft and be charged over {$120.00}. Between XX/XX/2018 and XX/XX/2018, I initiated 4 transactions relying upon the account information provided to me on their mobile app. Both thof available balance and posted balance were the same and indicated I had funds. Upon making these transactions throughout the weekend they were not even showing as pending in my account until XX/XX/2018. I dont not believe I should put be charged NSF fees having relied on the erroneous account information they provided. 

Further, in my previous interactions with the bank, they told me to set up overdraft alerts so that I wouldnt be charged so many NSF fees. Their alerts are useless becaus 1 ) the transactions dont even show as pending into the account until a few days after making a transaction ; and 2 ) the email and mobile alerts dont even alert you until almost 48 hours after the account would go negative. Every bank Ive previously had would show pending transactions that have a {$1.00} hold in the account. This bank doesnt do that ( despite showing a pending account balance ) and deceives their customers in order to charge them grossly unfair overdraft fees. 

On XX/XX/2018 I spoke to a banking representative and unsuccessfully asked to reverse my NSF fees. During the conversation I asked them to opt me out of courtesy overdraft payments so that I can stop incurring their rediculous fees. On XX/XX/2018 and XX/XX/2018, they have charged me {$96.00} in NSF fees. They told me these fees would stop and that the transactions just wouldnt authorize.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-12
Company: NELSON AND KENNARD
State: HI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I went to trial with XXXX XXXX from Nelson and Kennard who is a debt collector on XX/XX/2021. I forwarded my identity theft affidavit to plaintiff, showing that I was a victim of identity theft and it is a fraudulent account. The lawyer never presented a binding contract with my signature and the signature of the authorizing agent per FDCPA SECTION 809 [ 15 USC 1692 ( g ) ]. The plaintiff is now filing another frivolous complaint against myself on another debt from XXXX XXXX XXXXXXXX which is a fraudulent account also. This is also filed in my identity theft affidavit, which is reported to the FTC, all three credit bureaus, and filed with the XXXX Police Department. I would like the harassment to stop. If they can not provide a binding contract that I owe them or XXXX XXXXXXXX XXXX. I will file a counterclaim against Nelson and Kennard for filing a frivolous complaint against myself for a fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: EQUIFAX, 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:
Investigation took more than 30 days. letters were sent out on this date XX/XX/22

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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 XXXX account number XXXX and ACCT XXXX XXXX account number XXXX has violated my rights. 

15 U.S.C. 1681, section 602A states I have the rights to my privacy. 

15 U.S.C. 1681, section 604A section 2 : it also states a consumer reporting agency can not furnished 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 2018-10-02
Company: Viceroy, Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
My name is XXXX XXXX. I live in XXXX, Florida, My ex-husband and I received a car loan from XXXX XXXX XXXX XXXXXXXX XXXX approximately 20+ years ago. When my husband and I separated, I filed for bankruptcy due to financial hardship. I also filed for bankruptcy on several other occasions. Around the first of this year, my place of employment was contact by, XXXX XXXX with XXXX XXXX, a debt collector .seeking to have my employer garnishee my wages. Fortunately I was no longer employed with that agency. Around XX/XX/2018 I was served, along with my previous employer, with court documents from XXXX XXXX XXXX XXXXXXXX attempting to collect on the auto loan that I received approximately 20+ ago, Mr. XXXX constantly called and harassed my previous employer on a daily basis. Mr. XXXX and employee of XXXX XXXX XXXX XXXXXXXX XXXX are constantly calling and harassing consumers. Somehow of another XXXX XXXX XXXX are able to file suit on debt that are well past the statue of limitation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There is an accoun from this NAVY FEDERAL that only take military affiliated individuals. I have not nor do i intend on joining the service. I have made several attempt to have them Verify the debt in which they are not able to but still reporting. I have no knowledge of this account nor bank brand. They sent the cards to a address in XXXX TX and still holding me liable I want them to remove this from my report its {$7200.00} reported as closed and is mentally draining me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received a call on XX/XX/XXXX from Capital one, confirming I was attempting to open a credit card, which was not me. Capital one reported it as fraud and did not accept the application. The application was online in XXXX CA. Please help me find who did this and continues to attempt to open cards in my name..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-05
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
this ( XXXX XXXX ) debt was paid with the original creditor before the creditor gave my information to this collection agency and they reported a collection with the credit bureus

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05
Company: Regional Management Corporation
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/XXXX went in person to close the account because i had tried to close it since XX/XX/XXXX. I decided to pay off early the loan since I had the opportunity to do so. I first opened the account in XX/XX/XXXX and my son was making the payments for me. Total financed {$1400.00} plus {$100.00} of origination fee plus financed charge of {$930.00} of 69.99 % for a total of 18 months, monthly payments of {$130.00}. First payment was done XX/XX/XXXX of {$130.00}, XXXX payment XX/XX/XXXX {$600.00}, XXXX payment XX/XX/XXXX {$61.00} and last payment XX/XX/XXXX {$870.00} for a total {$1600.00}. I had tried to close the account since XX/XX/XXXX but havent so because they come out with all this interest charge, So on XX/XX/XXXX went to close the account in person again and at first I was told it was {$130.00}, then {$50.00} and then it was {$200.00}. I was told because they divided payments in 12 months, those months that havent incurred interests. I read the contract and it does not say nothing about charging interest in advance and they dont let us close the account because they say we still have payment due until XXXX of XXXX, in other words they want to charge the whole interest of 18 months because they dont want to loose that amount since we are closing the account early and all I want is to save money.

Company response to consumer: Closed with explanation