BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
My partner and I launched our XXXX in late XX/XX/XXXXand by XX/XX/XXXXwe hit a point in our growth where we needed to sink everything we could into our marketing, business development, and operations to support our scaling strategy. What that meant was that for about 18 months, from early XX/XX/XXXXto mid-XX/XX/XXXX, my partner and I ended up taking distributions out of the business that equated to about 50 %  of our monthly personal expenses. Most of the remaining expenses ended up being floated on credit cards. 

Around mid-XXXX, I reached out to CapitalOne on multiple occasions to proactively see if there was a program I could take advantage of where I could establish a reasonable payment schedule so I could pay down my balances. At that point, the business seemed to be going in the right direction and our cashflow woes looked like they would ease up. I was told multiple times that I had to let my payments lapse for 120+ days in order to qualify for any sort of program. So I let that happen as their associates had recommended. That turned out to be a huge mistake. Because life also happened during the course of that time. My business was starting to pick up, which was good, but my mother-in-law lost her 3rd and final bout with XXXX a week after we saw her for the last time over Thanksgiving, and that hit us all pretty hard. 

CapitalOne associates also failed to inform me that going beyond 180 days would result in a charge off. They also failed to notify me that this was about to occur. I inadvertently let my bill payment lapse beyond 180 days which put me in this charge-off situation. Even though I was able to qualify for a payment plan ( and I have been reliably making every single agreed-upon payment since ), CapitalOne account status to charge-off and keeps reporting that to the credit reporting agencies as a charge-off, every single month, even though I have been making my agreed-upon payments. As a result, this situation has had a tremendously negative impact on my credit score. 

The charge-off status on my credit report does not accurately reflect the situation. I have spent the last 6 months trying to get CapitalOne to acquiesce and even offered to pay off the complete balance in return for removing these inaccurate and derogatory marks on my credit report and they have unequivocally refused to do so. 

While I place no blame on anyone but myself in amassing the debt I amassed and had challenges paying off, CapitalOne agents advised me to go down a path which I went down, didn't explain to me that it could lead to where it's led, and now take no responsibility for the part they played.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: AMERISAVE MORTGAGE CORPORATION
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I had originally signed documentation to refinance my home mortgage to a conventional loan for a fixed rate of 2.125 % with AmeriSave Mortgage Corporation, NMLS ID # XXXX in XX/XX/XXXX, but the company would not lock the rate in after several attempts to do so in late XX/XX/XXXX and early XX/XX/XXXX. On XX/XX/XXXX, I received a second set of disclosures stating that the rate had increased to 2.25 % due to underwriting. I signed these documents on the date given since I had already paid the application fee of {$500.00} on XX/XX/XXXX. The company has stated that the loan is 99 % complete since XXXX, but will not set a closing date and continues to inquire about information already provided on multiple occasions. When asked for closing dates, I receive no answers and continued excuses with no remediation steps. I have proactively tried to move the process along, but can not get anyone to tell me what I can do to finish the loan process. Under the original agreements, we estimated closing in late XX/XX/XXXX. It feels like they approved a rate lower than acceptable and are trying to get me to cancel my contract. I am prepared to engage my lawyer to seek damage if this is the case.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
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 belongs to someone else

Complaint:
This is the second dispute attempt to have these miscellaneous accounts from my credit report. These accounts were never verified according to the FCRA guidelines 623 & 611. Intend to pursue litigation in accordance with FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and 617 ; the items below are not accurate and fraudulent accounts : XXXX XXXX XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXX, 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 explanation
Consumer complaint received 2018-02-11
Company: Fidelity National Information Services, Inc. (FNIS)
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 information incorrect

Complaint:
XXXX is A FRAUDULENT CRIMINAL AND USES WORD SEMANTICS AND MANIPULATION OF FACTS, so i read the response, and it doesnt answer my questions, and is very deceptive, so you kept the original check, how long did you keep it before you sold it with a cusip number as a securities instrument?, I have located the financial institution you sold it to, did you also sell my original contract with the wet ink signature?, I BET YOU DID, AND ARE YOU GOING TO CHARGE SERVICE FEES TO MY TRUST ESTATE?, I BET YOU ARE FOREVER, so XXXX has sold the original instument which now there is no proof of indebtedness, I havent received a sworn statement from ANY XXXX representative stating a wrongdoing committed by me, sworn to before a notary which makes it binding ; ; and yet XXXX makes false claims on me? send me a sworn statement of wrongdoing committed by me and swear to it under oath, because you cant do it, YOU SOLD THE ORIGINAL INSTRUMENT AND MADE PLENTY OF PROFITS FROM IT AND IM GOING TO PERSUE THIS MATTER AND PROVE THE FRAUD AND LIES COMMITTED BY XXXX, I NEVER RECEIVED ANY ''BILL '' EITHER, SO SEND ME A ''BILL '' AND NOT A STATEMENT, A STATEMENT DOESNT PROVE ANYTHING, its all presumptions you XXXX liars creepy freekazoids criminals, HOW MANY SIGNATURES ARE YOU SELLING EVERYDAY YOU LYIN XXXX   XXXX, AND THE LAW SAIS YOU OWE ME THE INTEREST WITHIN 3 YEARS FROM ALL THE SECURITIES YOU SOLD USING MY TRUST ESTATE,

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 2020-05-13
Company: SYNCHRONY FINANCIAL
State: MA
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:
Synchrony bank who I have ( had ) an account open with closed my account. It is linked to my TJX card. There are SEVERAL THINGS seeming off about this - my employment amount and status is secure due to the fact I work for TJX myself -i opened the account during XXXX XXXX ( early XXXX ) to buy gifts, i passed the credit approval that month -XX/XX/XXXX ( according to the report ) says my credit score was XXXX, WRONG! 
i have multiple documents proving otherwise, and give you full permission to contact ANYONE involved to fix this fraud or mistake, whatever this is. 

XXXX XXXX I applied for a car and my credit score was XXXX ... ..how did my credit score go up 109 points in 11 days, IT DID NOT. 

My current credit score ( before it took the 23 point hit from this account closing ) was XXXX. There is no possible way it is XXXX now and XXXX in XXXX Also if I opened the account a month prior ... ..how did it go up 109 points which i mentioned before. 

Another reasoning was not paying enough on my installment loans, only installment loans I have open our college loans, I am still in college and will be until XXXX. ANOTHER ERROR. 

One of the reasons list as well was no secure loan information on real estate? I do not have real estate I am XXXX. 

I have XXXX XXXX and stay ON TOP of my score, it was never XXXX, or even under 600 EVER. There source of information also is transunion WHICH I USE ON MY XXXX XXXX APP, also wrong. Another source I trust for my credit score is my XXXX CC report at the end of the month that tells me my monthly credit report. Also in the XXXX for the beginning of this month. 

I opened the account in XXXX but under investigation a month later? how can you get approved then that happens? 

ANOTHER factor, this credit score was taken in XX/XX/XXXX ... ..but my account was closed XX/XX/XXXX. 

Point blank : there is a SERIOUS mix up that needs to be fixed.

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 2020-05-13
Company: Resurgent Capital Services L.P.
State: TN
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:
Two accounts on my credit reports were dismissed in court but the credit reporting agencies refuse to remove them and one account, LVNV Funding,  uses several different collection agencies in an attempt to collect. The other account is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: CAVALRY INVESTMENTS, LLC
State: TN
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:
Two accounts on my credit reports were dismissed in court but the credit reporting agencies refuse to remove them and one account, XXXX XXXX, uses several different collection agencies in an attempt to collect. The other account is Calvary.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-15
Company: WATERSTONE MORTGAGE CORPORATION
State: NM
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I went to Waterstone Mortgage Company to get a loan for a house through the FHA assistance program at the end of XX/XX/2019. I found a home I was interested in purchasing mid XX/XX/2019, put in an offer, and paid {$500.00} to get the home inspection. The loan officer then said it was okay to proceed with the appraisal which cost {$500.00}. The loan was approved by the Underwriter. The loan officer did not make sure that all the Seller 's paperwork was in order for the FHA portion of the loan before proceeding with inspection or the appraisal. I was not aware. She was aware. In mid XXXX of 2019 the lender told me that there was an issue that Waterstone Mortgage company could not handle. Therefore, I would not be able to finance this house. I however found another lender from a different mortgage company who could possibly work out the issue and continue the process. When the loan officer from Waterstone found this out, she proceeded to send out the bad information to the FHA to insure that no other mortgage company could finance the loan. Her actions cost me {$1000.00} in losses and prevents the seller from being able to sell the house in the future. This action at the very least is unprofessional and other consumers should be aware of this predatory practice.

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 2020-07-04
Company: Experian Information Solutions 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:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1976 ADDRESS XXXX XXXX XXXX  XXXX, XXXX XXXX, FL XXXX TODAYS DATEXX/XX/XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
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 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 The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1976 ADDRESS XXXX XXXX XXXX  XXXX, XXXX XXXX, FL 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 2020-05-13
Company: SYNCHRONY FINANCIAL
State: OR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had only used this card on time - never missed a payment - needed a bed for my grand daughter and went to the store to find out that the Sychrony had closed my account. when I called they said the decided to close it and sent out a letter - which I have not received yet. 
I have done nothing wrong - I have paid on time and then they do this just to be XXXX  during this Corona Virus when I need it most. 
THEN - I call customer service to ask why they did this to me at this time - she put me on hold for 18 minutes and then hung up on 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 2020-05-16
Company: Experian Information Solutions Inc.
State: MD
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:
They will not reinvestigate the following items : XXXX XXXX XXXX XXXX Dept of Education 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 2018-02-11
Company: TD BANK US HOLDING COMPANY
State: LA
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:
XXXX  XXXX XXXX was paid last year in XX/XX/XXXX. They are improperly reporting on XXXX credit report charge off balance XXXX. The balance is {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
My credit report shows my auto loan from XXXX as a missed payment.

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 2021-02-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
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:
In XXXX, XXXX, I discovered that Bank of America lists me as the owner of Auto Loan # XXXX, taken out in XXXX of XXXX. I do not have an auto loan with BOA. In fact, I have not had an auto loan since XXXX ( and that was with XXXX ). I filed a dispute with BOA in XX/XX/XXXX ( Case # XXXX ). Since that time, I have provided BOA with all of the documentation they have requested. After 4 months of being stonewalled ( at one point, I spent 3 hours on the phone with BOA and was transferred to 7 different people -- none of whom could help me ), I requested that BOA provide me with a copy of an original loan agreement with my signature on it. I was told on 2 occasions, " we can not provide you with that document at this time. '' After reviewing all of my documentation, on XX/XX/XXXX, BOA reported to XXXX  that my fraud claim had been denied, and that the auto loan should remain on my credit report. I received a letter from BOA, dated XX/XX/XXXX, that " based on the documentation received, we have denied your claim. As a result, our reporting of the loan to the credit bureaus is accurate. ( The interesting thing is that, although I never receive payment statements for this loan, and have never made a payment on this loan to BOA, the loan is being paid on time each month. ) I recently received a letter from BOA about the status of my claim, addressed to " XXXX XXXX XXXX AKA XXXX XXXX. '' On several occasions when talking with BOA representatives, I have been referred to as " Mr . XXXX. '' I have provided BOA with documentation that I am not now, nor have I ever been known as " XXXX XXXX, '' and that I do not now, nor have I ever, lived in CT. After 4 months of investigations, BOA has asked me to " be patient. We need more time to investigate your fraud claim. '' In the meantime, I have been denied credit because of this {$13000.00} loan on my credit reports. It seems to me that the solution is quite simple : if, as BOA reported to XXXX, I did sign for this auto loan, there must be paperwork with my signature on it. If BOA is unwilling or unable to provide me with that documentation, then how can they claim that the loan belongs on MY credit report? ( Also, over the past 3 years or so, BOA has made 18 requests for my XXXX  credit history -- I have never done business with BOA prior to XX/XX/XXXX. Based on my fraud claim with XXXX, all of those BOA requests have been deleted from my credit history. ) Since XX/XX/XXXX, I have been communicating with BOA Fraud Quality AVP XXXX XXXX -- who has been less than helpful, and less than forthcoming with any of the information I have asked BOA to provide 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 2020-05-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem with direct deposit

Complaint:
On XX/XX/2020 I recievied my BOA EDD card with my unemplyment benefits on teh card. I called to activate card, downloaded the app to see balance and hopefully tranfer funds to my bank account to pay my bills. Unfortunately you can not transfer funds via the app, so I tried to login on website, but the website is malfuncioning. I keep getting an error message when loging in, security information invalid, I tried another way by selecting need username as prompted, same message at the end. I trieid this 4-5 times to make sure it was not a user error, used same username and login, received same prompt. I called customer service, no answer for 1 hr. gave up On XX/XX/XXXX I tried again, talked to s customer ervice, they say the website is malfunctioning and they gave me the options to transfer me to technical support, or change my password to try again, or transfer me to the phone funds transfer. I chose tech support. The line they transferred me to was XXXX language, so after waiting 30min for a representative we were unable to communicate. I had to call back and wait longer to speak to someone. This time I chose option 3 ( transfer money to bank over the phone ). I waited on hold 25 minutes and the person says they do not do phone transfers currently. ( even though the automated system said otherwise. I pushed back and said i need to speak with a manager. they put me back on hold for 20 minutes. When they came back on they said they spoke with supervisor and were told that they are doing funds transfers after all. Now they transferred me to another person to actually do the transfer, Ii was placed on hold for another 15 minutes. no answer, it directed me back to the last person i talked to, now being transferred to a supervisor? I have been on hold for 15 minutes this go around still no help with transferring the money I need to pay my bills. I applied for UI on XX/XX/XXXX and it is XX/XX/XXXX, I am still unable to access my funds for the purpose I need them.

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 2019-11-15
Company: CHALLENGE FINANCIAL SERVICES
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I have been financing a XXXX  XXXX XXXX that was involved in a lemon law case the car insterest Im being charge is extremely high and amount due does not match the car value I was sold this car without knowing it had issues with oil consumption and have been having issues since

Company response to consumer: Closed with explanation