BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
I have had two capital one accounts since XXXX. I have never made any late payments on any of my accounts until I lost my job back in XX/XX/XXXX. The school I was teaching at received less funding and I was laid off. In XXXX, I was diagnosed with an illness and am unable to work. My income was reduced by a total of 60 percent. I receive XXXX XXXX from the state of New Jersey. My husband then lost his job as XXXX XXXX at XXXX XXXX because if the government shutdown. He missed two pay cycles. He has since returned to work. I contacted Capital one in XXXX to confirm that if I made my payment on XX/XX/XXXX that it would not report 30 days past due since my family was effected by the government shutdown. I received an alert stating my payments were reported 30 days past due in XX/XX/XXXX and XX/XX/XXXX. I called dozens of times asking if they have a program to help people experiencing a hardship and they advised me there was nothing they could do to help. They didn't care that their employee gave me the incorrect information. I was devastated, as trying to preserve our credit is the only hope we have in re-financing our mortgage so we don't lose our house. I filed a complaint with the better business bureaus, and got a call from their executive office, I missed their call, as I was in physical therapy, I left a voicemail and I explained my situation with the guy who called from their executive office. He never called me back after leaving 6 voicemails. About 10 days later he called back and stated he would reach out to me when he found a solution. he called back about 4 days later and advised there is nothing they can do to help. The Executive office claims they do not have a program to help people affected by the government shutdown. although another employee and their website states the contrary. I am disturbed by their treatment of me, and I felt less than human when talking to them. One representative even referred to me as " you people who can not pay on time. '' I hung up the phone and just cried. My hope is that Capital one will finally try and help me, move forward by honoring their promise to not report late payments to the credit bureaus during the months of XX/XX/XXXX and XX/XX/XXXX due to the government shutdown.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
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:
I'm XXXX XXXX, and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX Balance : {$6300.00} ; XXXX XXXX XXXX Balance : {$4300.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$540.00} XXXX XXXX XXXX XXXXXXXX Balance : {$610.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$17000.00}

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 2020-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 did not authorize anyone employed by XXXX XXXX XXXX, or the two agencies copied, to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with the 3 parties above, and including multiple complaints with the Consumer Financial Protection Bureau, and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. 

Failure to respond satisfactorily within 30 days from this complaint, may result in a small claims action against the 3 parties, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting This was reported immediately from the alerts yesterday again, and placed a security freeze to my credit file. Amazing inconsistencies against reality about an inquiry for a secured loan, when I do not own personal cars to secure anything. Using my mothers maiden last name for an inquiry instead of my last name, or even both ( one followed by the other ).

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 2017-08-02
Company: Revenue Assurance Professionals LLC
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CONSOLIDATED RECOVERY SYSTEMS Is the worst ever!! not only are they Harassing me by calling me everyday all day, but they also send me threatning letters in the mail which is another form of Harassment over an account that I have no knowledge of, or an agreement with their company over. I have never signed or agreed with any one to share my personal information and CONSOLIDATED RECOVERY SYSTEMS is violating HIPAA Privacy laws and I will be seeing them in small claims court!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-03
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I purchased a house in a sheriff foreclosure auction and the affidavit of consideration said that there was a senior lien from Wells Fargo of {$120000.00}, see attached and now Wells Fargo says that the payoff is XXXX, see payoff letter attached. I am in the process of selling the property and needless to say that additional payoff is killing me.

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 2017-12-01
Company: WELLS FARGO & COMPANY
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I have been blacklisted on XXXX, a cryptocurrency exchange, for trying to use my debit card to make a purchase. Wells Fargo, for whatever reason, flagged my activity on the site as fraudulent behavior and rejected my purchase. Now my card is blacklisted on the site. This would not be as big of an issue if XXXX was n't one of the only legal US cryptocurrency exchanges. XXXX is doing their job and keeping their customers best interests in mind to protect them from scammers. Wells Fargo is acting outside of their domain and interfering with legal personal activities in which they do not have the right or jurisdiction to do so.

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 2017-12-01
Company: PNC Bank N.A.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
For 3 months, I 've been in contact with PNC Bank in attempt to revised my mortgage payment that will increase early next year. Throughout this process, PNC Bank has repeatedly push me towards a Short Sale option on home I own since XXXX as their ONLY solution to the fact I 'm a XXXX American living strictly on XXXX XXXX. 

It should be known, that I never been late on any PNC Mortgage payments in 10 years & I 'm current on my Property Taxes & Home Insurance. So why is PNC XXXX bent to force me out my home & will not work with me to lower my home payment that will increase in 2 months?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX Bank is claiming and reporting this derogatory info to the 3 credit bureau, that i owe them {$16000.00} which i asked them by certified letters and return receipt, if they have any documents, or any evidence bearing my signature by all means to send it to me and i will honor it but despite my numerous certified letters to them i never received anything from them proofing this is a valid debt, but despite all they still continuing reporting it on the 3 credit bureau damaging my financial life irreversible.

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 2019-04-05
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Collection Agency : XXXX, XXXX XXXX XXXX, Alleged Balance : {$1300.00} Opened Date : XX/XX/XXXX I did not open said account as indicated. This account dates back to early XXXX and the balance is incorrect or excessive. 

XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-01
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: Account information incorrect

Complaint:
I went to XXXX 's web site to pay my credit card bill for the month before it was due. After logging on, I received an error that said 'We 're sorry, we hit a snag Looks like something went wrong, but we're working on it. Give it another try it a bit '. I went back later on to complete my payment. now im seeing on my report multiple payments missing. with paperless statements issues with the website i cant see how this companys can continue to make mistakes with no reproductions. ive even been asking for an combination of my accounts to have a single credit line, with there being no real explanation as to when it will happen or why im having issues in the first place. im asking again for the removal of all missing payments on my account along with a merger of 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 2019-04-05
Company: EQUIFAX, INC.
State: NC
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:
Equifax and XXXX are reporting incorrectly that I am 120 days past due on the XXXX and XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 9 - 13 of the attached from the credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. These accounts are currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and  nothing is past due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-01
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:
I Filed a dispute with Experian regarding me being a victim of identity theft, filed a police report, sent them my id, address, info regarding the identity theft ( the items that are fraudulent were circled on my report, they refused to remove said items from my report according to the fair credit reporting act section 605B, instead they send me a letter saying that my request for a block or deleting said items were either made in error or based on material misrepresentation, or I knowingly obtained these said goods or services. All above they determined are false and I demand these items be removed/deleted from my file as section 605B so states.These are fraudulent items that I discovered on my credit file a direct cause of the identity theft I sustained and demand they be removed or I will be forced to file a court action if they are not removed 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 2019-09-18
Company: Asset Law Group, P.C.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
years ago back in XXXX i had a XXXX XXXX card for XXXX issues. back then i was paying XXXX dollars a month for a credit card that totaled around 5000 dollars. After a certain amount of time ( I believe 12 or 18 months ) they stopped accepting that amount and wanted XXXX which was impossible for me at the time. I reluctantly stopped paying all together. Money was a struggle at the time. Over the years I had not heard or paid anything for that debt. In the beginning months of XXXX I started getting business cards at my door ( i was never home when they came as i work full time ) In XXXX someone came to my employment to server me ( she knew it was me based on a picture from my XXXX for XXXX ) I made several attempts to contact the number on the paper work which finally i got a return call. basically they said i needed to pay at least a XXXX dollars and start making monthly payments. This did not seem legitimate considering they are trying to make me pay XXXX XXXX dollars. I'm certain this is past the statute of limitations. but i was scared and paid the XXXX and agreed to the XXXX dollars monthly ( against my better judgement ) which at the time i was told there would be no garnishment to my wages. Well low and behold i dropped off a XXXX dollar cashiers check to a shady PO box and the following week my paycheck was garnished for up to 25 % I've sent numerous emails with no response. at this point in time we are almost up to another XXXX dollars being taken out of my paycheck. I don't believe they honored what they stated and now i'm left trying to stay a float.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX, I obtained a mortgage from Washington Mutual Bank, FA., which is currently insured by XXXX XXXX XXXX  Title Policy XXXX. On XX/XX/XXXX, JP Morgan Chase Bank, NA, claiming to be the predecessor-in-interest to Washington Mutual Bank, FA, filed a foreclosure action ( index No. XXXX ) against me in XXXX XXXX XXXX Supreme Court. On XX/XX/XXXX, the XXXX XXXX XXXX Supreme Court dismissed JP Morgan Chases foreclosure action ; ruling that JP Morgan Chase Bank, NA did no prove it was the predecessor-in-interest of my Washington Mutual Bank, FA mortgage. 

Instead of adhering to New York Consolidated Laws, Civil Practice Law and Rules - CVP 5513 ( the appeal process ), on XX/XX/XXXX JP Morgan Chase Bank, NA arbitrarily entered into the XXXX XXXX   XXXX Department of Finance/Office of the City Register record a mortgage assignment, whereby assigning my Washington Mutual Bank, FA mortgage to JP Morgan Chase Bank, NA. On the same date of XX/XX/XXXX, JP Morgan Chase Bank, NA then assigned my Washington Mutual Bank, FA mortgage to XXXX XXXX XXXX XXXX as Trustee. Slighting the XXXX XXXX XXXX  Supreme Courts XXXX XXXX, XXXX foreclosure ruling, on XX/XX/XXXX, JP Morgan Chase Bank, NA secured XXXX XXXX Insurance Policy # XXXX on my Washington Mutual Bank, FA mortgage/property. To date, JP Morgan Chase has not recorded its XXXX XXXX  Insurance Policy  into the XXXX XXXX XXXX Department of Finance/Office of the City Register system. On XX/XX/XXXX, approximately seven years four days after JP Morgan Chase Bank, NA had filed its year XXXX foreclosure complaint against me, XXXX XXXX XXXX XXXX as Trustee followed suite and filed a foreclosure ( index no. XXXX ) against me in XXXX XXXX XXXX Supreme Court, which is currently ongoing. To date, JP Morgan Chase Bank, NA has not provided to me, XXXX XXXX XXXX Supreme Court, or the XXXX XXXX  XXXX Department of Finance/Office of the City Register any legal evidence that is in fact the predecessor-in-interest of my Washington Mutual Bank, FA, which I obtained on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15
Company: SECURITY FINANCE CORP
State: WI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Yes I got a small loan from security finance in XXXX XXXX wisconsin Ive been a customer to them for a couple years have always made payments never missed one they might be late and I pay the late fee but they just call as soon as Im a day late and before I would answer and tell them when they could expect my payments but after the last time I answered their call the lady had the nerve to ask what I did with my last paycheck so now I dont answer until I have the payment which means they call 3 times a day while Im working they have called my references trying to get a hold of me they are worse then mosquitoes Im fed up I plan on paying them I wouldnt not pay my loan off I just want them to stop with all the calls I know if its late Im not 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 2020-01-19
Company: TD BANK US HOLDING COMPANY
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
I shopped at Nordstrom rack on XX/XX/XXXX, and they asked if I wanted to use my CC on file that I had opened and never used in XXXX. They said I would receive a Nordstrom note. I agreed, and let them know that I did not have a card ; they said they would send a replacement and my statement. The alternative and comments were never received. 

I then left the country for the holidays in XXXX, while gone I did receive a statement, and I paid the amount in full the moment I arrived back home. Since then, I was reporting late the three credit reporting agencies, and it has lowered my score 80 points. 

I called Nordstrom Card Services and told them my erroneous circumstances, and they agreed to waive the late fees, but not report the errors to the credit reporting agencies. I asked for a letter stating that they rejected the charges, and they refused and told me I have to wait for my statement, which I will not receive in the mail until XX/XX/XXXX. 

I feel like there was an error with mailing my original card and statement and that they are unreasonable to remedy the issue. This is directly impacting my life and creating unnecessary hardships as I am in the process of refining my mortgage so that I can take money out and get a new furnace and water heater. Please help. 

I also asked to open a case with the executive resolution team so that I could submit my proof, and they were not willing. 

There address is as follows : Nordstrom Card Services XXXX XXXX XXXX XXXX CO XXXX Additionally, I asked for my account number/card number since I never received the card, and they said they could not provide over the phone. They did submit a replacement card, but that will take 7-10 business days. That is the reason, and I can not contain my account number with this complaint. I also have documents proving I was out of the country and can provide bank statements showing that I could pay the fee, and I did, pay in full, so there is a XXXX balance on the account. The reason I could not pay was due to not receiving the statement and then leaving out of the country. Please ask if you need those documents. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX  XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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