BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have had my Capital One buypower card for some time now. I am a responsible customer that makes timely payments. When requesting a credit increase recently I was denied with the only reason on the letter being " credit line increases are not available at this time upon request for this type of account ''. I called Capital One to try to get some clarity on this very confusing wording and reasoning but the representative simply said what was already on the letter, she just kept repeating that sentence and said there was no way for anyone to manually check out the account and why it was not eligible. Now this type of wording is very confusing because am I to assume that credit card accounts are not able to have credit line increases? The type of account it is is simply a credit card and I am not familiar with a reasoning of credit line increases not being available for credit cards. This interaction with Capital One was absolutely absurd and the fact that I can not get anyone to manually look at this and explain why I was misled into getting a credit card that is not eligible for credit increases is simply unheard of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10
Company: GUARANTEED RATE INC.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my mortgage through Guaranteed Rate, XX/XX/XXXXXXXX, XXXX, GA XXXX, with the first payment made on XX/XX/2021. I paid escrows in advance for taxes at settlement as well as had escrows deducted from my XXXX mortgage payment. I receive notification from a collection agency that my school taxes had not been paid. I contacted guaranteed rate with my concerns. The agent was not helpful. I need guaranteed rate to release the escrows to pay my taxes and for them to reverse and correct and apologize for my being sent to a collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05
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:
Please consider this a formal notice and complaint for the harm caused by XXXX, Experian and XXXX on my file. I have discussed with a credit reporting attorney and he has clarified to me that all 3 credit reporting agencies have failed to follow the compliance requirements of the Metro-2 format. I am writing this because I have attached a letter that describes the non-compliance that is evidenced by the 3 credit reporting agencies.

AND PLEASE UNDERSTAND THAT I AM ON XXXX AND HAVE A HARD TIME PURSUING THIS!!!!!

I HAVE CONTACTED A SPECIALIST AND I AM FILING THIS ON MY BEHALF. I DO NOT WANT ANY STALL TACTICS PERIOD!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-24
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:
MY INFORMATION WAS STOLEN AND USED WITHOUT MY CONSENT SOMEONE OPEN A MORTGAGE IN MY NAME, CELL PHONE AND RECIEVE MEDICAL ATTENTION I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRAS. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the 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 2023-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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, the account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX Account # XXXX 15 USC 1681 section 602.a states I have the right to privacy. 

15 USC 1681 section 604.a number 2 also states that a consumer reporting agency can not furnish an account without my written instructions, 15 USC 1681c. ( a ) ( 5 ) states that no consumer reporting agency may make any consumer report containing any of the following items of information : any other adverse items of information, other than records of convictions of crimes which antedate the report by more than seven years.

15 USC 1681s-2 ( a ) ( 1 ) states that a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2021-10-10
Company: LoanCare, LLC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
LoanCare , LLC services our mortgage. They have been notified twice by phone about a mortgage payment mailed via Certified Mail that has been sitting at the post office since XX/XX/2021 at XXXX XXXX  and is ready for pickup. 

During a second call to their Customer Service the person I talked with took the tracking number from me to follow up. 

This is the second consecutive time this has happened. They are refusing to pick up the Certified Letter containing our mortgage payment. 

We will be marked as late on XX/XX/2021 which will have a negative impact on our credit histories and scores. 

The Certified Letter will be returned on XX/XX/2021 if not picked up before that date.

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 2017-11-28
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
As a rule, its illegal to report information that you know or believe is inaccurate. You have " reasonable cause to believe '' that information is inaccurate if you have knowledge, other than allegations from the consumer, that would lead a reasonable person to doubt the accuracy of the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10
Company: EQUIFAX, INC.
State: AR
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 issues with the way this is being reported as it is damaged my credit. The car was repo XXXX  and experian say its derogatory equifax says open. This is an inaccuracy and is en to remove this account from my credit. 
The dates of last activity are inconsistent with each other this is also enough to remove from my credit. Equifax is reporting past due 120 days the other 2 are reporting repo. This is enough to remove or delete from credit.balance on XXXX and equifax are the same while transunion is no showing XXXX. XXXX and equifax are reporting as auto loan and equifax is not reporting at all. XXXX has not reported any months of payments late or not and is not consistent with the others With all this said this needs to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 issues with the way this is being reported as it is damaged my credit. The car was repo transunion and experian say its derogatory XXXX says open. This is an inaccuracy and is en to remove this account from my credit. 
The dates of last activity are inconsistent with each other this is also enough to remove from my credit. XXXX is reporting past due 120 days the other 2 are reporting repo. This is enough to remove or delete from credit.balance on XXXX and XXXX are the same while transunion is no showing XXXX. Transunion and XXXX are reporting as auto loan and XXXX is not reporting at all. Transunion has not reported any months of payments late or not and is not consistent with the others With all this said this needs to be removed

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 2019-05-20
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
XX/XX/2019 received Debt statement from US DEPT OF EDUCATION. Stated that they hold the defaulted student loan and balance was now due. Letter shows original amount of {$1900.00} & {$3500.00}. Never knew these loans existed. Never had a Loan Servicer assigned to me. Never received correspondence regarding this loan was active. Now, received letter from collection agency XXXX XXXX XXXX XXXX stating balance owed is now {$6900.00}. What would be my next action step since none of these firms advised me of what was due. Never received billing statement, never knew these even existed. 
Rules were not followed to support these Federal Loans. What are my options?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: General Motors Financial Company, 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: Account status incorrect

Complaint:
Upon the termination of my XXXX XXXX lease in XXXX of 2020 I received single bill for the residual close out monies owed. I called XXXX and emailed them within a few days of this statement to clarify excess wear and tear on the car since it was in pristine condition upon return. I was informed there was a scratch on the wheel. I requested a new statement given the dispute. 

From XX/XX/2020 through XX/XX/2020, we never received another bill, statement, phone call, notice - and I assumed XXXX - wife and accountant settled the existing account even though I disagreed with the initial assessment. 

Upon applying for a mortgage this month ( XXXX ) I had no idea that XXXX was negatively reporting a delinquent account - severely affecting my credit - despite over 10 years of on-time payments and customer loyalty as a XXXX owner. 

I was never re-billed, contacted or notified that the account was still open. See credit history below. There is no 30 days, 60 days, or 90 days late notification at all. The monies owed was never an issue on affordability and as soon as I found out this was an issue I immediately called XXXX to settle the outstanding account. During that call I asked them to correct this reporting issue given the same discussion points raised in this communication. I also submitted a complaint on line to XXXX regarding the matter. 

In their lack of a fair reporting or notification process, you can see the damage it has done to my credit report and XXXX loyalty. Below is the image they are reporting to my credit agencies. I have tried to resolve this matter directly with XXXX and they haven't cared to or bothered to fix this error / issue. 

As evidenced through reporting to all three credit bureaus, it shows there is a definitive lack of a notification process for the consumer based on the dates XXXX is reporting. There should be a 30 day late, 60 day late, 90 day late before the major ones they have listed below. That is all that would have been required and had been requested by this consumer and the account would have been settled immediately. ( See attached png. ) I am requesting this single XXXX issue be removed from my credit history. The impact such callous indifference has on long time loyal XXXX customers is indelible but forgivable when they chose to do the right thing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-13
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up that's the first issue and now the second issue when there is a complaint in one of my buyer how could I respond and proceed for a refund if my account is currently 180 days on hold they quickly change the reason why it is 180 days limited because of the buyer issue at first there is no reason why it is closed or limited until I receive an issue on my buyer how could I respond to that issue if I have no chance to do since when the buyer filed a issue when my account is currently limited for 180 days I have no chance to defend myself as a seller and I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14
Company: AFNI INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I settle my bill with XXXX back in XX/XX/XXXX Later I was hit with a collection bill from a company from XXXX XXXX with a Final -bill for {$790.00} I called XXXX to compliant of this bill and was transferred several times to different department with everyone cluesless. I final call the number for XXXX listed on the Final letter XXXX & the number was a non working number. So I disputed with XXXX   and XXXX and they removed the discrepancy. If you call that number for XXXX XXXX XXXX is now says XXXX. I check my credit report a few months later XX/XX/XXXX and found out that XXXX had another collection agency Name now XXXX XXXX and this time they put the collection amount for {$1600.00} I have always paid my bill from XXXX and that is very disloyal of them to keep make up this statement after the fact with 2 different collection agency and 2 collection amounts XXXX   removed the AFNI From my XXXX   on XX/XX/XXXX and the rep told me they ask AFNI To remove from AFNI/XXXX -AFNI/XXXX Just place back on XXXX as of XX/XX/XXXX Please help me with this company! Attached is supporting documents Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10
Company: JPMORGAN CHASE & CO.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Chase SUSPENDED my online banking after SUCCESSFULLY and PROPERLY sending multiple XXXX transfers EXACTLY AS I INTENDED, but felt that they knew better than additional transfer as it was " suspicious '' and FROZE my online access, rendering me COMPLETELY UNABLE to conduct business as a real estate broker and property manager - REQUIRED BY STATUTE AND BINDING CONTRACTS to pay property owners BY THE XXXX OF THE MONTH. I called Chase, ONLY FRAUD Department can help me. They are closed on Sundays! It is a HOLIDAY WEEKEND - Customer Service says Fraud IS open on a bank holiday - so, the moral here is commit fraud on Sunday as Chase is not open to catch you or help those victimized? MAKE NO MISTAKE - THERE IS NO XXXX FRAUD - the only " Fraud '' here is Chase. For the love of XXXX, Chase, you make XXXX XXXX look good now, and that is about near impossible I thought!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 contacted Credit Bureaus/Agencies ( XXXX and TransUnion ) and the Creditors ( XXXX XXXX and XXXX XXXX XXXXXXXX ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted 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 2021-10-10
Company: Frost-Arnett Company
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
RECEIVED A LETTER FROM: FROST-ARNETT, XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX, ATTEMPTING TO EXHORT XXXX FROM ME AND THRATENING LEGAL ACTION.

I DO NOT OWE MONEY TO ANYONE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I was a past client of Experian. Due to a data breech it was recommended that I restart my credit monitoring for at least one year. So in XX/XX/XXXX, I signed up for one year and was told it was a complimtery subscription. I noticed today that my credit card was charged for {$99.00} for XX/XX/XXXX membership for which I was not aware I had approved. I called customer service and was on hold for 2 hours and 38 minutes. When they finally picked up, they cheerfully agreed to refund my money and cancel my membership. However, why should one have to wait 2 and 1/2 hours to speak with a representative. They may be monitoring my information but if Im unable to speak with them easily enough, what help is it. Their web site did not give any other way to contact customer service except by phone or letter. The long wait encourages one to give up and thus keeping a client from cancelling their service.

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 2018-03-14
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
There is an error in my credit report. One of my CitiBank credit card is showing as closed on XX/XX/2014 but I didnt close it.

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