BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a loan with CAP1/CABELAS. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX  and CAP1/CABELAS with no successful  resolution. XXXX, XXXX, XXXX reporting me late. There was definitely an error on their part. I was never 30 days late (XX/XX/XXXX, XX/XX/XXXX ) and I was never 60 days late ( XX/XX/XXXX, XX/XX/XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-18
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I tried to close my accounts in XX/XX/2020. Bank failed to close one account and deducted {$18.00} per month in fees. Over the past seven months I have tried at lest ten times to close the account, both in person  and via telephone, without success. 

A can not obtain my balance from this account nor can I get them to close the account.

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 monetary relief
Consumer complaint received 2017-05-03
Company: DISCOVER BANK
State: IA
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  XXXX / XXXX /   2017 I  called and spoke to  XXXX   XXXX  in regards to this inquiry being on my account. When I spoke to him he informed me that I did authorize the information because whoever tried to get an application in my name had all my information. I asked if I could get an application with my signature on it and he advised that they will try to send the application with my signature. I never authorized this company to run any kind of inquiry. He said that it was done on-line which give me more reason to have this removed off my credit. This inquiry is making it hard for me to get approved for any kind of loans to get a house.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-03
Company: Amsher Collection Services, Inc.
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Call  amsher  and told them that I would like to have verified this account bearing my signature as I was on the phone the people there were  rude  will hang up once I called called to get account number they will not give there supervisor  XXXX  I believe the name was very rude as I ask her to send me something bearing my signature as well and she refused and hung up the phone. To Whom It May Concern : This letter is regarding account #  XXXX  which you claim my account was charged off $ This is a formal notice that your claim is disputed.     I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have  ( or ever had ) some contractual obligation to pay you. My reason for disputing is : my contract was canceled. Please also be aware that any negative mark found on my credit reports ( including   XXXX   XXXX   an d   XXXX    ) fr om your company or any company that you represent, for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.     Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.   Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section  807-8 )  You will be required to appear in a court venue local to me, in order to formally defend yourself.   For the purposes o f 15 USC 1692 et se q., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims.     Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.       P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.   C onsent to publish the description of what happened? Consent provided This is about a ( n ) Debt c ollection :  Other ( i.e.  phone, health club, etc. ) Which of these best describes your issue? False statements or representation : Attempted to collect wrong amount  DESIRED RESOLUTION

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18
Company: SYNCHRONY FINANCIAL
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I made an arrangement with XXXX XXXX XXXX XXXX XXXX to pay {$220.00} for settlement of debt to be paid by XXXX XXXX, XXXX. I call the company on XXXX XXXX, XXXX, and spoke to a XXXX XXXX XXXX. I made the payment that same day using my debit card. XXXX XXXX sent by email the payment receipt dated XXXX XXXX, XXXX. I notice on my XXXX XXXX, XXXX, on my credit report for synchrony bank / JCPenny account in the comment section that it was purchased by another lender. So I contacted JCPenny and they told me that XXXX XXXX XXXX has this account. I asked why and told them that I had paid the account with XXXX XXXX XXXX. The representative told me that they did n't have any information concerning this company or payments and I would have to contact XXXX the lender. I contact XXXX XXXX and spoke to a XXXX XXXX concerning the issue. She told me to email to her the receipt of payment and she would get back to me. I received an email from her stating that the document I sent did n't show that the original creditor was XXXX that it was XXXX XXXX XXXX. She told me to contacted XXXX XXXX  about the payment and XXXX XXXX XXXX. I told her I did and they advise me to call her company. I asked her if she could send something stating that this payment was received to Experian Credit Bureau and XXXX XXXX / XXXX. She told me that they sent out this information to the credit bureau in XXXX XXXX and the company does n't do this anymore and she could n't help me. Therefore I should contact XXXX XXXX XXXX and XXXX XXXX again.

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 2023-08-22
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: Account status incorrect

Complaint:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: Experian Information Solutions Inc.
State: TN
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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  # XXXX, Extra ( credit card ) # XXXX, XXXX XXXX XXXX XXXX XXXX ) # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 explanation
Consumer complaint received 2022-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-07-18
Company: PNC Bank N.A.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
hi- there was a fradulent cheque written on the business account- it is cheque number XXXX for XXXX on XX/XX/2023 PNC Bank XXXX XXXX XXXX XXXX XXXX XXXX michigan Police report number XXXX - XXXX XXXX police department XXXX XXXX XXXX I would like these funds returned to me as soon as possible As there is a very large amount of cheque fraud that is going on right now in XXXX XXXX- where someone is taking the cheques out of the mail box at XXXX mile and XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account Number XXXX has violated my rights.

15 U.S.C 1681 section 602 A states I have the right to privacy 15 U.S.C 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

under 15 U.S.C 1666 B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-25
Company: CL Holdings LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/XXXX Jefferson Capital systems contacted me via email trying to collect on a debt that is over the statue of limitations. Something that's at least 12 years old they said I have 30 days to dispute the debt or it will be on my credit it's for {$910.00}. I have received a total of 3 emails since XX/XX/XXXX on this same debt. They admitted that due to the age of the debt they can't sue me but they threatened to put it back on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: CL Holdings LLC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Recently, I received notice from the CRAs stating that this company has placed an alleged debt on my credit report, which I NEVER received notice about the debt or allowing me to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: Ocwen Financial Corporation
State: KS
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I wired my payoff to the mortgage company on XX/XX/2023. That following week they did not know where my money was at. Finally after a week of waiting I spoke to another agent who found the funds and told me they would take care of it. They have reported to credit bureaus that I am delinquent. They ended up returning my wore transfer and now I seem to not be getting anywhere with them. The mortgage company is PHH Mortgage. I called a lawyer in XXXX Kansas and they referred I make a complaint with you folks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
An unauthorized checking account was opened in my name with Bank of America without my permission or consent. I called the bank fraud department and even spoke with a fraud supervisor theyre unable to solve the issue. Im still receiving email regarding that and now received a bank statement in the mail. This is really frustrating and scary and shameful and fishy that Bank of America is unable to resolve this issue.

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 2023-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This account is reflecting on my credit report and is a result of my identity being compromised and used in multiple data breaches. It is also a violation of my rights and the reporting agency has violated my rights per the consumer credit/finance laws.

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 2023-08-18
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX/DEPT OF ED XXXX Balance : {$2400.00} XXXX/DEPT OF ED XXXX Balance : {$4000.00} XXXX/DEPT OF ED XXXX Balance : {$9000.00} XXXX/DEPT OF ED XXXX Balance : {$9000.00} XXXX/DEPT OF ED XXXX Balance : {$4000.00} XXXX/DOFED XXXX Balance : {$9000.00} XXXX/DOFED XXXX Balance : {$4000.00}

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 non-monetary relief
Consumer complaint received 2022-12-22
Company: Experian Information Solutions Inc.
State: GA
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 called XXXX/Experian/XXXX after I purchased a credit report with XXXX on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were accounts on my credit report which are misleading to me. I sent a letter to the XXXX & Experian credit bureaus on XX/XX/2022. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # and hoping that these accounts : XXXX XXXX Balance : {$24000.00} XXXX XXXX Balance : {$580.00} XXXX XXXX 54677**Balance : {$0.00} XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX Balance : {$0.00} will 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 2022-01-07
Company: Bread Financial Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XXXX XXXX XXXX XXXX purchased my private information from Comenity Bank and are assuming that I owe them {$790.00}. I have no contract with XXXX XXXX so there for I do not owe them. they are both in violation of 15 usc 1681 and 15 usc 1692 which is fraud and identity theft under consumer law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: Titan Solutions Group LLC
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I took out a loan with the original creditor-XXXX XXXX XXXX XXXX of XXXX to pay off some outstanding credit card bills along with a vehicle payment that was due and was going to be late. However, after I took the loan, I was in between jobs along with more piling debt, then I had multiple gaps of employment between XX/XX/XXXX to XX/XX/XXXX ( which put me in the most financially strapped position ) leaving me unemployed without benefits or financial assistance due to estrangement from family and friends. I was evicted from my home, I lost my vehicle, I am currently homeless along with penniless, I have tried to get a job in which I was not successful, I am living on the streets, shelters, and abandoned buildings. 

I have to turn tricks for food, shelter, showers and eat out of garbage cans, I have ASKED them for debt forgiveness along with the {$180.00} they took out of me after threatening to take me to court and XXXX XXXX a XXXX XXXX XXXX, XXXX XXXX attempted to help at first by giving me a break on some of the payments, however she VIOLATED FDCPA Laws by snooping into my finances calling a relative that I am estranged from who later threatened to kill me and her help was another ploy to get money out of me. 

XXXX XXXX XXXX also gave me the run around about who has my account, they sent the account to Structured Settlement in which they were working on behalf to collect the payments ( in which Structured Settlement BLANTALY LIED ABOUT ), Structured Settlement said they sold the account to XXXX XXXX XXXX in which XXXX XXXX stated was with XXXX XXXX XXXXXXXX XXXX which was ANOTHER XXXX XXXX XXXX IF I EVER HEARD XXXX! 

I asked for my money back and no one has responded to me and I DO NOT HAVE MONEY FOR A LAWYER nor will a pro-bono attorney take my case because I can not prove ANY income at this time.

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 2021-01-25
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have Asserted my FDCPA rights by previously filing complaints requesting SELECT PORTFOLIO SERVICES, INC to provide validation reference account number : XXXX. I acknowledge receipt of their latest correspondence which was dated XX/XX/2020. In their correspondence they listed information regarding a trustee, mortgage back notes and a servicer and also stated that ownership status may change from time to time however they provided no evidence of chain of title, authorization to service new owners etc From their correspondence : It is unclear if I was granted a mortgage because a trustee is involved It is unclear if this is a mortgage because mortgage back notes fall under securities and any note that has a maturity that exceeds 9 months becomes a security which is security fraud on the face of it Furthermore, when my signature went on the paper, it became wagering money and wagering money contract has to be settled at the end of 3 years SELECT PORTFOLIO SERVICES, INC never responded to the request of validation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I applied for a credit card account on XX/XX/2021 and was approved for {$2000.00}, since then I have received this card physical card but the card is Restricted from use upon documents being sent for identity verification..all subsequent documents was submitted, its been since XXXX and this account is still restricted with answers and it is now XXXX, this is now considered discrimination. 
Capital One has pulled a hard inquiry from my credit file and I have incurred a loss to my credit points in the process, my application was approved and has not been activated since.

Under ( CFR 1002.2c ADVERSE ACTION ) Pursuant to 15 USC 1691 ( SCOPE OF PROHIBITION ) I was denied even though I have the capacity to contract, Also under 15 USC 1602 I am aware of my status as a Consumer to have my rights upheld, CAPITAL ONE claims the reason that they have not activated this account is its still under review after I have been approved and sent a physical card.

Pursuant to 15 USC 1681m I have the right to make such written request at the time such adverse action Is communicated to me, Under CFR 1002.2 ( c ) states ( I f the applicant applied in accordance with the Creditors procedures, a refusal to extend the term of a business or other loan is adverse action, CAPITAL ONE is legally liable under these provisions and may be held responsible, I hope to resolve this matter before any further action has to be taken in the form of complaints To the parties that govern.

Company response to consumer: Closed with non-monetary relief