BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-12
Company: EQUIFAX, INC.
State: VA
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:
Many attempts to contact XXXX XXXX XXXX during the past year are unsuccessful to resolve credit information affecting my personal credit file. Each attempt to telephone XXXX, I get the same bad customer service because the agents have NO AUTHORITY to produce any documents and I get transferred from one department to the next none of these agents can help me resolve any problem within their company. 

* XX/XX/XXXX, A letter was drafted to XXXX  to affirm the provisions of a prior affidavit was not met and statement copies sent to me reaffirm that XXXX does not have any Proof-of-Contract to verify the alleged debt reported to the national credit reporting agencies ( XXXX, Equifax, XXXX XXXX, and XXXX ). 
* XX/XX/XXXX, I asked for proof of contract because XXXX has refused to even provide me with all the elements of a contract. The paper identifies all the elements of a contract and the fact the lender does not conform to Federal Regulation Z. There is also information that XXXX refused to inform the CRA that a report of Identity Theft was submitted per FCRA Section 605B and the lender refused to block information from credit reporting and/or inform the consumer of any action as stated on the included disclosure. 
* XX/XX/XXXX, A Denial of Debt Affidavit was ratified by the Circuit Court in my jurisdiction that outlined the dispute I have with XXXX and their refusal to produce Proof-of-Contract necessary as UNVERIFIED CREDIT REPORTING remains on my credit File after a year of disputed verified by the CRA. 
* XX/XX/XXXX, I mailed a reminder to XXXX indicating that a rebuttal is required by XX/XX/XXXX in the form of a sworn affidavit to VERIFY the account reported is accurate and meets the legal definition as listed in XXXX Law Dictionary as VERIFICATION-of-DEBT. 
* XX/XX/XXXX, A ratified affidavit of Truth & Fact was mailed to XXXX to the address listed on my credit reports. XXXX responded with a form letter stating their company refuses to comply. 
* XX/XX/XXXX a settlement offer was mailed CMRR to XXXX  offering payment-in-Full in exchange for the instrument proving indebtness. XXXX XXXX XXXX never responded to accept my payment to settle the alleged account. XX/XX/XXXX, a second offer was also mailed CMRR, once again, XXXX refused my payment in exchange for the PAPER required to lend money or credit per TILA. 

There is no question that XXXX is not in compliance with the consumer lending laws and I demand this account be immediately DELETED from my credit file unless XXXX can produce a 'certified copy ' of the PAPER on file in the form of a lending agreement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-13
Company: EQUIFAX, INC.
State: CA
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 XX/XX/XXXX I went into the XXXX in XXXX Ca and dealt with XXXX a XXXX XXXX salesperson and I clearly told XXXX that I would consider getting their services if I was able not to use my social security as I did not wanted a credit score pulled and he said " Do not worry, all I need is your home address and telephone number '' and I asked again " are you sure? ", he replied " Yes, we do not need your social security number ''. On XX/XX/XXXX XXXX XXXX send me an alert the XXXX XXXX XXXX had done a hard inquiry on my FICO through Equifax, I immediately disputed that fraudulent inquiry with Equifax and a few days later with XXXX XXXX XXXX as well. I believe that on the XX/XX/XXXX or XX/XX/XXXX I also spoke to an XXXX XXXX XXXX supervisor detailing the conversation I had with their sales rep at XXXX and that they needed to remove their fraudulent inquiry immediately! so far, I have not succeeded or have gotten that inquiry removed and my FICO has dropped about 21-23 points over that incident. Please help me!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: Radius Global Solutions LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The debt is not mine.

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 2020-05-19
Company: Experian Information Solutions Inc.
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 believe the accounts on my credit file are inaccurate and have not been verified by the credit bureau.

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 2017-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 my credit report with Transunion I had a total of  XXXX  inquires on my credit report, there was a glitch in there system summer of   XXXX   that caused inquires to be placed back on my credit report that was already removed, The glitch happened again early   XXXX   causing more inquires to be added to my credit report. I have tried filing a dispute online as well as over the phone and was told there is nothing they can do. I was not notified in writting that these items will be added back to my report withing 5days from after the glitch happened, my rights were violated and this adds a hardship to 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 2021-02-22
Company: Edward F Bukaty III
State: TX
Product: Debt collection
Sub-product: Auto 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:
On XXXX XXXX they law firm started taking money out my check for a charge off debt in XXXX. They claim a judgement was filled in XXXX in a state I was no longer living in and didnt receive no notice. Now in XXXX they said they order another judgement for the charge off & fees for the lawyer of {$7000.00} plus courts fees of XXXX pluses etc fees totaling up to almost XXXX but the car charge off amount is only {$4000.00}. The bank is saying they have nothing to do with the lawyer and the account was sold to the law firm Bukaty. I reached out to the law firm and explained they couldnt do this because it was passed the limit of time and this was almost 30 years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Today XX/XX/XXXX I tried to have a late fee reversed. The reason for the ( 1 day ) late payment was die to tropical storm Isaias, which left many parts of VT without power or and internet included. WE paid the fee the very next day! 
Capital one would not wave the fee because we did not fit within their criteria of a " natural disaster '' for our area code XXXX. WE also had a similar issue in XX/XX/XXXX and they waved that fee but because we are within a year, they could not wave a 2nd time ; their policy! 

I am dismayed. We are hard working Americans who have not collected anything from the Government and we pay our bills! Its unfortunate that it is people like my husband and I that are taken advantage of by companies like Capital One! 

I am asking for a review and a reversal of these charges. 

Thank you XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-26
Company: EQUIFAX, INC.
State: SC
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've sent multiple letters seeking investigation on different items that are reporting on my credit report and the credit bureaus have failed to respond to any of my letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15
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:
error different names on credit report items not mine cra violation no knowledge po report # XXXX c sent 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 2020-12-10
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 is missing that should be on the report

Complaint:
XXXX showing accounts unknown when they are paid

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 2020-12-10
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: Information is missing that should be on the report

Complaint:
XXXX showing accounts unknown when they are paid

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 2018-04-01
Company: ERC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Results of the reinvestigation. The accounts XXXX, /XXXX, /XXXX  are currently not reporting. See attachment. I now have received a new bill from a new debt collector ERC and new account # XXXX for the same amount {$140.00} I do not owe. Dated more recently XX/XX/XXXX ... but, reported back in XX/XX/XXXX. That according to the recent investigation no longer exists.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12
Company: CCS Financial Services, Inc.
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
this is a direct dispute through this web site the amount and account I do not owe, I have my policy and I have my bank statements only notice I will give for you to validate this account, and amount you claim I owe if you tradeline shows up on my credit report, I will file suit in XXXX county,  making validate account and provide my proof you can bring what ever. 

Under FCRA I can sue for a {$1000.00} per report if information is not validated or accurate. 

thanks for your time

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: Revolut Technologies Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Wrong amount charged or received

Complaint:
I made a transfer of XXXX  Shekels from a Revolut account to an XXXX bank account. XXXX Shekels were delivered. XXXX offered 0 fee transfers with a caveat that intermediary banks may have fees, but no estimation of those fees was provided. Further, upon contacting customer service, no explanation of the fees could be provided. I confirmed with the XXXX bank that no fees were charged to receive the money.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
0n XXXX XXXX, 2017 I received a letter allegedly from the XXXX XXXX XXXX XXXX  attempting to collect a student loan by Treasury offset. On XXXX XXXX, 2017 at around XXXX XXXX., I placed a call to the number listed in the letter ( XXXX ) in an attempt to get more information on this account. I was told by the person that answer the call that the total amount of this alleged debt was over XXXX. I told the employee that the amount was totally wrong. 
In the letter the total amount of the debt is listed as around XXXX ( copy attached ). 
The number listed on the letter belongs to XXXX XXXX XXXX XXXX, a loan servicer and a debt collector. It is not clear who is trying to collect here and what the amount of the debt is. 
On XXXX XXXX, 2017 I sent a certified letter to the XXXX XXXX XXXX XXXX requesting validation of this debt ( copy attached ). To this point it is unclear if the letter I received was sent by XXXX XXXX XXXX XXXX OR XXXX XXXX XXXX XXXX. 
I am a veteran and after honorably serving this my adopted country with pride at least I believe I could request that the CFPB help me with the investigation of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12
Company: ARVEST BANK GROUP, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was purchased by Arvest Central Mortgage Company, after purchasing my loan they ordered gap flood insurance on my behalf at a significant annual cost to me. The company never reached out about this situation. 

My flood insurance is paid for by my HOA and is an NFIP flood policy for 100 % of replacement cost. 

I have called 3+ times about this issue and each time they have told me that it is the companies practice to require flood insurance at the minimum of $ XXXX or the loan amount. 

Per the FDIC An institution must ensure that the minimum amount of flood insurance covering the condominium unit is the lesser of : the maximum amount of insurance available under the NFIP which is the lesser of o the maximum limit available for the residential condominium unit, or o the insurable value allocated to the residential condominium unit which is the replacement cost value of the condominium building divided by the number of units. 

I am lucky to have a background that has exposed me to mortgage requirements but it is scary that no one at this company can refer to national lending requirements. 

Your help is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXXXXX-Date of inquiry XX/XX/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 2020-12-10
Company: SYNCHRONY FINANCIAL
State: AR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Synchrony Bank issues several of the " store cards '' that I have used / use : - XXXX XXXX Store Card ( which they closed several months ago ) - XXXX ' Store Card ( which they closed several months ago - XXXX XXXX XXXX Photo Card ( credit limit reduced several months ago ) - XXXX XXXX XXXX payboo Card ( credit limit reduced several months ago ) - amazon store card ( denied credit limit increases ) - PayPal Credit ( denied credit limit increases ) - Sams Club card ( denied credit limit increases ) I have maintained all of the above cards in good standing, and made all payments on time. For some, I have paid the full statement balance monthly. 

Despite my excellent payment history, the credit limit increase requests I've made were denied because ( three of the four specific reasons listed ) my " Bankcards '' balances are too high compared to credit limits. Credit scoring is based largely ( more than 1/3 of the % score calculated ) on the ratio of card balances to credit limits. However, as you can see in the listing above, when more than half of my Synchrony bank cards were arbitrarily closed and/or had the limits reduced, THOSE ACTIONGS BY Synchrony DIRECTLY CAUSED THE PROBLEM! 

Put another way, every time Synchrony closed a card or reduced my credit limit, it directly impacted my personal credit score in a negative way. This is unacceptable, and has caused and continues to cause me substantial financial harm.

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 2018-04-01
Company: Movement Mortgage LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On the evening of XX/XX/XXXX, 3 business days before planned closing date of Monday XX/XX/XXXX, I received new disclosure documents. On this document was a new 1 % point, on top of the already disclosed and expected {$990.00} fee. This was a {$1700.00} extra fee, increasing my out of pocket c! doing costs by nearly 20 %. They knew rates were rising and it would take another month to finish, which would add hotel expenses and other fees to start over with another company, as well as risk the owner taking my earnest money and putting back on market

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: EQUIFAX, INC.
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:
I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. I believe that I may be a victim of identity theft. I do not recognize these accounts, and have never incurred debt with these creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. I believe that I may be a victim of identity theft. I do not recognize these accounts, and have never incurred debt with these creditors.

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 2020-05-19
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/XXXX, my father designated me as a beneficiary on his payable-on-death account. My father passed away on XX/XX/XXXX. 

Despite numerous requests on XX/XX/XXXX to the present, American Express National Bank ( AMEX ) has not complied with the account payable-on-death designation. 

Most recently on XX/XX/XXXX, AMEX - despite receipt of copies of the account POD designation and my father 's death certificate - claimed that they had no evidence of the POD beneficiary designation. On XX/XX/XXXX, I provided American Express ( AMEX )  with documentation of the facsimile transmission records my father saved of his designation dated XX/XX/XXXX. 

To date, AMEX still has not released funds to the designated account beneficiary. The record substantiates that I am entitled to the account funds, with over 591 days since my father 's death.

Company response to consumer: Closed with explanation