BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
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 have reached out to this Company numerous of times about the unauthorized inquiry. I have a freeze on all 3 credit bureaus. I have called the Agency and the credit bureau and each time I keep getting told to call back the other. I am in the process of purchasing a home and this has become frustrating. I am advised of my rights as a consumer and i have yet to get a solution. 
The inquiry was placed XX/XX/2017 XX/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28
Company: Experian Information Solutions Inc.
State: AL
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:
Experianisrefusingtodisputenegativeitemsonmycreditreport.Theirexplanationisthattheitemsweredisputedoncelastyearandverifiedasaccuratesotheyarerefusingtoinvestigatefurther.Mycredithasimprovedsignificantlyinthepastyearduetoinaccuraciesbeingremoved.IhaverecentlyissuedadisputewithXXXXregardingthenegativeitemsonmycreditprofileandallnegativeitemsandevensomeinquirieswereremoved.
XXXXadvisesmetonotifyeachindividualcreditbureauofthechanges.IcalledExperianacoupleofdaysagoandtheyarerefusingtoreinvestigatethenegativeitems.Experiansrefusaltoremovenegativeitemsfrommycreditreportisbothillegalandunethical.

XXXXwasthesourceoftheirinvestigationtoverifytheitemsduringtheinitialdispute.XXXXhasagreedthattheinformationinmycreditprofilewasinaccurateatthetimeandtheypassedtheinaccurateinformationontothecreditbureaus.XXXXhasrectifiedtheerrorbyremovingthenegativeitemsandeachcreditbureauisrequiredtodothesame.

ShouldExperiancontinuetomaintainthatthenegativeitemsonmyreportarevalid,Iamrequestingwrittendisclosureofthesourceoftheinformation.Pleaseindicatename,date,andtelephonenumberforthesourcewhoverifiedeachnegativeitemonthereport.IamentitledtoreceiveddetailsregardingyourmethodofinvestigationasoutlinedintheFCRA.

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 2023-01-25
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Hello, I fell behind XXXX payments and tried to make a payment and get assistance from XXXX. Well Fargo would not take a payment from me and foreclosed on me before XXXX XXXX program could provide the assistance I was approved for. As a result my locks were changed and I lost my home.

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 2018-05-20
Company: AMERICAN EXPRESS COMPANY
State: PR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XXXX XXXX XXXX XXXX charged my AMEX Serve Credit Card and I never received the item. In addition, XXXXXXXX XXXX XXXXXXXX XXXX said that the card is not activated with them when it is. 

Here 's the record of what XXXX XXXX XXXX XXXX  has on-file of me : Skip to Main Content Skip to Shopping Bag Skip to Search 30 % off Already-Reduced prices XXXX XXXX XXXX XXXX Hi XXXX Find a Store New Arrivals Clothing Dresses Shoes & Accessories Work Collections Petites Plus Sale Search 1 My Account Rewards Status Profile & Preferences Saved Payment Address Book My Orders My Wish List Shop Now Saved Payment My Default AmericanExpress - XXXX Expires XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Edit | Delete +Add new credit card Protecting your privacy is important to us. For more information, please read our Privacy Policy. 

More Ways to Shop Find a Store Gift Cards XXXX Rewards XXXX Request a catalog Support Contact Us XXXX FAQs Order Status Payment & Shipping Info Returns & Exchanges Recall Information About Us Our Story Careers Charity Investor Relations California Supply Chains Act Stay Connected Subscribe to our email list and get 20 % off Enter email address Submit Follow Us XXXX  XXXX XXXX XXXX XXXX   Copyright XX/XX/XXXXXXXX XXXX XXXX XXXX, XXXX. All rights reserved. Terms & Conditions Privacy Policy Change Country Live Chat Toggle Today 's Offers Today 's Offers Hurry, Limited Time Already-Reduced Prices Prices as marked excludes final sale Shop Now Details Shop with Benefits Already A Member? 
Sign in to get all your rewards. 
not a member yet? 
click to join today Sign in Join XXXX Rewards whbm work For us, it's business as usual Shop Work Try it on, on us Petites Free shipping & Returns on all full-price styles Shop Now Details

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: General Motors Financial Company, Inc.
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
I returned my vehicle at the end of my lease on XX/XX/23 with all lease payments up to date. On XX/XX/23 GM Financial sent me a bill for the excess wear and disposition fees upon " termination of lease ''. This means that the lease was terminated on XX/XX/23 when the vehicle was returned. At that time I disputed the wear and tear charges and was waiting for GM Financial to get back to me with a response. Instead they sent me another bill with the same charges 30 days later with no response to the dispute. They then began to report the account as 30 days past due to the Credit Bureaus which negatively impacted my credit. This additional bill at the end of the lease was not credit that was extended to me and as such should not be reported to the credit bureaus. The negative remarks should be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: Experian Information Solutions 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:
They furnished a report without my permission. Which is a violation to pursuant to 15 usc 1681b ( 2 ). They reported transactions from my credit card to a my consumer report which is a violation to 15 usc 1681A ( 2 ) ( b ). They also reported and transferred over my information without my permission. A " credit '' check doesn't consist of having my intellectual property " reported '' unauthorized.

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 2018-12-19
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
The following accounts were a result of fraud. I am a victim of identity theft and I did not make this charge. Any accounts mentioned are not my responsibility..I am requesting that any finance and other charges related to the fraudulent account be removed from my credit profile asap ..XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX   XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX/XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX 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 2020-11-25
Company: USCB, Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX I missed 8 payments with my mortgage company due the financial crisis and job loss. In XX/XX/XXXX I settled with the mortgage company for {$15000.00} plus dollars for the debt, which was added to my loan and my loan was then sold. As of XX/XX/XXXX it was sold twice. The loan resided with XXXX XXXX when the original issues occurred in XX/XX/XXXX and now resides with XXXX XXXX ( Shellpoint Mtg Servicing ). I put the house under contract for sale in XX/XX/XXXX. I requested that Shellpoint/XXXX provide me with the loan modification so as to be assured of payoff amounts. I also requested a payoff statement - never produced. The loan modification was produced 2 days before the closing XX/XX/XXXX ( after numerous more attempts to get the documents in the intervening 30 days ). I have now twice requested an accounting to find out why my equity status in XX/XX/XXXX was obliterated by the loan modification so that my equity of {$6000.00} was completely gone. In addition to failing to provide the modification information to me ( which they did produce to the title company ) they collected twice on my taxes for XX/XX/XXXX and provided me with the incorrect tax statement. I have now proven that they did not pay my taxes twice and have received a refund of my escrow. However I've never received an accounting of the modification although requested on numerous occasions. The attached shows only a 4 year history insufficient to figure out why the modification was applied to my full original loan amount and not to my loan amount when the settlement occurred. My request continues to go unanswered. What happened to my equity and how does a modification jump from {$15000.00} for ( 8 missed payments ) to over {$22000.00}? The loan has also been paid in full and is still reporting on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08
Company: CORELOGIC INC
State: UT
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:
In XXXX of XXXX my home in XXXX XXXX, Florida was damaged by Hurricane Irma and declared a FEMA disaster area. After over 1 year of recovery and {$160000.00} I think my house is repaired. FEMA did not offer any assistance as I had insurance and they referred me to the SBA which was quite helpful. Albeit a 3rd TD on my house at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. 

XXXX, my loan servicer, offered me a forbearance period pursuant to FNMA guidelines as being in a FEMA declared disaster area from XX/XX/XXXX to XX/XX/XXXX. I was granted a forbearance period for monthly payments until XX/XX/XXXX. 

After XX/XX/XXXX they want a lump sum payment of {$40000.00}. Not what they told me. 

It cost over {$160000.00} to repair my house. 

XXXX managed my repair escrow account during the process. 

They granted me and told me that at the end of the forbearance period my loan would be modified to include the foregone payments and it would be added to the principal balance and modified. 

They have now offered a loan mod. on a 20 year amortization increasing my monthly payment by {$2000.00}. That hurts. They offered counseling. Serious? 

They did not tell me the truth! When I call them they claim the call will be recorded. I have asked for the recorded audio records to prove what I was told. 

They told me the forbearance would not effect my credit. 

My FICO score has dropped from XXXX to XXXX and they report me as 180+ days delinquent. Not what I signed up for! I could not get a car loan with that FICO. 

XXXX XXXX  has reduced my credit limit on my unsecured credit line from {$13000.00} to $ {$3000.00} as they ran my credit and they were not impressed. 

XXXX is not being fair. They respond but not satisfactory. 

All my bills are paid on time. You have my permission to run my credit report. 

This is not RIGHT! 

My credit to me is very important. I complied with everything they told me. 

This is not right! 

Not sure how or if I need to upload the supporting documentation. The last conversation I had with " XXXX '' at XXXX he told me I was delinquent 180+ days and it could not be changed. How can I be delinquent in forbearance? " XXXX '' said they can't fix my FICO. XXXX! 

I made payments at the end of forbearance in XX/XX/XXXX, XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX XX/XX/XXXX. 

I want them to fix my credit report!!! 

I have done all I was told I needed to do. This is not fair. I did not make the Hurricane and complied with all I was told I needed to do to repair my house. What's the point of FEMA, SBA, and FNMA? It's not RIGHT! 

I want my FICO back to XXXX all I have all the back up documentation. XXXX has my correspondents also. Where do I go from here?

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 2021-03-28
Company: EQUIFAX, INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I XXXX XXXX XXXX XXXX was entered into a credit inquiry transaction that I did not authorize or consent to.I am a victim of identity theft and I believe my information is being used by bad people on the dark web.I have contacted Equifax about this issue on the phone and the employees were very rude to me. I asked to speak to the supervisor and the supervisor made me aware that she had no knowledge of the FCRA Laws even though Equifax is supposed to abide by the FCRA Laws. after I stated the laws to the supervisor, she then hung up on me in an attempt to evade the laws and do the right thing by removing this inquiry. I also faxed in all these documents that I attached to this complaint to Equifax and they have yet to respond.Having this False and misleading inquiry reporting to my credit report is very damaging and is hindering my ability to purchase a home for me and my son. I am a single father and my son looks up to me, so I wan na show him that I can buy a house for him because he deserves it. I ask that you please remove this false misleading inquiry from my credit report so I can began to repair my credit and eventually get my Son a house. please resolve this matter quickly. XXXX  XXXX XXXX  XXXX gave my hard inquiry information to Equifax knowingly without my written consent, they violated 15 USC 1681n ( b ) .My consumer rights have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 am contacting requesting help because Transunion continues to report unverified accounts on my credit report.

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 2018-02-27
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Have a collection on my credit report. Do not have a contract with Convergent Outsourcing for balancing of XXXX to pay. Was staying on a XXXX XXXX base during XX/XX/2015 that did not support XXXX 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 2021-03-28
Company: CITIBANK, N.A.
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Request removal from account Ex-spouse Spoke with fraudulent representative No access to account Suspect credit card fraud

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 2023-06-07
Company: EQUIFAX, INC.
State: PA
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 confidentially under 15 USC 1681. Act Name : XXXX XXXX, XXXX Act Name : XXXX XXXX, XXXX Act Name : XXXX XXXX, XXXX Act Name : XXXX XXXX, XXXX Act Name : XXXX, XXXX Act Name : XXXX XXXX, XXXX Act Name : XXXX XXXX , Act Name : XXXX XXXX XXXX I, 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 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 reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-15
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My credit report shows a 90 day late payment for XX/XX/2015. This is an error and was in forbearance for that time. The account is in good standing and have spoke to them about this a few times and was assured the issues would be resolved. Still on my credit report 3 years later.

The payment history/rating is incorrect.

The creditor agreed to change account information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08
Company: Bread Financial Holdings, Inc.
State: SC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I was XXXX XXXX and while in this state my granddaughter ( my care take at the time ) opened and used this " XXXX XXXX aka XXXX XXXX '' credit card. I appreciated her taking care of me when I was XXXX  unstable and did not want charges brought so When this came to my knowledge, and I was stable under physician care I notified the company and made an agreement with them to pay a set monthly payment on a set date with auto withdrawal from my checking account each month to assure that payment would be made on time and would be paid as agreed until the amount owed on charged was paid in full. Which according to the calculation at the time of the agreement with the XXXX representative, over the phone, would have been XX/XX/2018. Todate I received a bill from them for {$180.00} the account was to close upon payment in full so I believed it was closed, and I had stoppped payment authorization in XXXX after it was supposed to be paid in full as agreed. Advertisment would come from the XXXX card company but I would just throw out the letter I was not interested and believed it to be paid in full. 

When I called I learned that The XXXX  company had been deducting from checking the agreed amount and now charging me late fee of {$39.00} each month and when questioned why they said I paid late each month which is causing the account to continue to increase. The interest rate they are charging ontop of the Late fee is 27.2400 % My medication is helping my XXXX capacity but I had to have help in contacting your agency. 

My name is XXXX XXXX, I live at, XXXX XXXX XXXX, XXXX, Sc XXXX my helper is XXXX XXXX her phone number is XXXX. I am more than willing to have my physician send a letter as to my status should you require a letter. My home number is XXXX and I will verify that XXXX XXXX is helping me here in trying to get this matter resolved..

Company response to consumer: Closed with explanation