BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
According to my credit report Khols/CapOne is reporting an alledge debt of {$250.00}. I have contacted via mail for any information to validate the reported account and have never been contacted. Also this account is over 7 years dated from the reported last payment which again i don't even know what this account is and to my knowledge is NOT mine. I have never entered into any contract written or otherwise with this company and am requesting any/all documents that would specify anything supporting I owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act 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 a account without my written instructions.

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 2018-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 have tried everything that I know how to do correctly, Still, TransUnion, XXXX and XXXX  will NOT remove this from my credit report even though I have submitted this information to you 3 times already. Not only that they decided to double the amount to add insult to injury. 
This loan should have been removed 2 years ago it's NOW 11 years later & it's like gum stuck to the bottom of your shoe they seem to want to punish me for the rest of my life cause I lost my job ... ..the Law in NJ under Statue :, New Jersey Statute of Limitations on Debt Collection, SAYS -- - Demand Notes when no demand is made : 10 years. If demand made : 6 years from date of demand, ( 12A : 3-118 ( b ) ). THIS DEMAND IS PAST THE STATUE?? 
( XXXX XXXX XXXX XXXX  ) I'M trying to get a better job & place to live but they, ( TRANSUNION ) ( XXXX ) ( XXXX  ) NOR ( XXXX XXXX XXXX XXXX ) ARE ALLOWING ME TO MOVE MY LIFE FORWARD. WHAT DO I NEED TO DO TO HAVE THIS DROPPED FROM MY REPORT. Please help me with this is was Suppose to be Removed ALREADY ... 
Thank YOu for your assistance in this matter without your help, I don't know what to do

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have unauthorized activity on my Pay Pal account on XX/XX/19 I submitted a claim with PayPal, the claim was declined. I decided to close my account spent one hour on hold and was informed my account could not be closed, my call was transfer to another department after 30 minutes on hold the call drop. I tried a second time with the same results 40 minutes on hold, then transferred an d call drop after another 30 minutes. Pay pal has access to my bank account and all unauthorized transaction get debited directly form my bank account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-01
Company: Experian Information Solutions Inc.
State: NJ
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 have tried everything that I know how to do correctly, Still, XXXX, XXXX and Experian will NOT remove this from my credit report even though I have submitted this information to you 3 times already. Not only that they decided to double the amount to add insult to injury. 
This loan should have been removed 2 years ago it's NOW 11 years later & it's like gum stuck to the bottom of your shoe they seem to want to punish me for the rest of my life cause I lost my job ... ..the Law in NJ under Statue :, New Jersey Statute of Limitations on Debt Collection, SAYS -- - Demand Notes when no demand is made : 10 years. If demand made : 6 years from date of demand, ( 12A : 3-118 ( b ) ). THIS DEMAND IS PAST THE STATUE?? 
( XXXX XXXX XXXX XXXX ) I'M trying to get a better job & place to live but they, ( XXXX ) ( EXPERIAN ) ( XXXX ) NOR ( XXXX XXXX XXXX XXXX ) ARE ALLOWING ME TO MOVE MY LIFE FORWARD. WHAT DO I NEED TO DO TO HAVE THIS DROPPED FROM MY REPORT. Please help me with this is was Suppose to be Removed ALREADY ... 
Thank YOu for your assistance in this matter without your help, I don't know what to do

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11
Company: Experian Information Solutions Inc.
State: TX
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:
item was removed and put back on by law thats a violation of my rights b/c Experian did not notify me of the action law said thats a fine of 10K

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 2018-01-08
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
this is on my Experian, please ask them to remove the following that are not my accounts. # 1 XXXX XXXX account # XXXX # 2 XXXX XXXX account # XXXX # 3 XXXX XXXX account # XXXX # 4 XXXX XXXX account # XXXX XXXX XXXX account # XXXX please help with this I wrote to XXXX and they had these deleted after they investigated .... this is NOT a DUPLCATE request Thanks for your help in this matter, there are are 10 's of thousands XXXX XXXX in Texas.Thanks 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 2018-07-04
Company: TD BANK US HOLDING COMPANY
State: MA
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:
This account was fraudulently used. The balance on my XXXXs report is incorrect. Please clear this matter up ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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 sent a Validation Of Debt letter to CAPITAL ONE AUTO FINANCE via certified mail ( copy of letter attached ). It was received on XX/XX/2021 ( proof of service attached ). As of today XX/XX/2021, CAPITAL ONE AUTO FINANCE has YET TO APPROPRIATELY RESPOND WITH ANY VALIDATION OF DEBT they are claiming, but are continuing to report to the credit bureaus & the bureaus, having been notified of this violation, are continuing to allow this non validated information to be reported. This is a violation of my rights per FCRA & FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11
Company: TCF NATIONAL BANK
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
All accounts with XXXX XXXX on which I am listed as an owner or an authorized signer will be closed effective Monday, XX/XX/2019. I have been at the bank and spoke with the manager at the branch and she could not give any information. She tried to call to the head quarter, but did not get information. I have called to the phone number which was provided in the letter but was told that account is going to be closed. The reason - it is internal decision and no more explanation. I do not fill any wrong doing to cause any risk to Bank. 
I would like to know what is the problem. I feel myself as a criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28
Company: Servis One, Inc., Titusville, PA Branch
State: NC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX XXXX underwriting has canceled my request for a loan modification. Stating I did not send a requested document. They are asking for a recent benefits letter from the VA for my XXXX-year-old mother with XXXX whom I care for. She has not been approved for Aid and Attendance " yet '', and we are still waiting for VA 's approvals. I can not give XXXX something I do not have. This is future income and benefits, and I have stated such. A letter from XXXX on XXXX XXXX, 2017 states : " Your application remains incomplete and have canceled your request for an evaluation of your loss mitigation application. '' Next, I have waited for years for XXXX to modify my loan and they have denied my request. At the last minute as my home goes into foreclosure XXXX said, they will send me a packet for loss mitigation. As my amount due goes into overdrive to where it is impossible to pay as they make MORE money on my hardship. 

I need help!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
On XXXX the XXXX 2019 I filed a complaint with the XXXX   XXXX XXXX because I recently became activated to XXXX XXXX but because I was not overseas and I am XXXX XXXX. They denied my XXXX, and now I am left with a XXXX plus payment that can not afford it at the moment. While waiting on them to approve my request the interest was steady building. They sent me a letter stating that they will not honor my XXXX for XXXX because it is in the United States. I will not be on these orders forever. Once I complete these orders, I will be back unemployed and won't be able to make my payments. I have attached all documents as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11
Company: Convergent Resources, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The debt in question was paid on XX/XX/XXXX as seen on my bank statement, and the paid in full letter from XXXX. 
On XX/XX/XXXX i received a new letter from Convergent, claiming i still owe for same account at XXXX XXXXXXXX. 
I called XXXX XXXX twice to confirm account is closed and no bill is due. confirmed on second call with XXXX. I was also told that XXXX XXXX did not send/report a new collections to Convergent. 
Called Convergent to clarify situation, was told that Convergent just received the collections from XXXXXXXX XXXX on XX/XX/XXXX, then send me the notice on XX/XX/XXXX Convergent was no help in trying to clarify situation just kept stating that i owed the money.

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 2020-05-05
Company: Commercial Credit Counseling Services Inc.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I attempted to resolve & negotiate credit debts thru Corporate Turnaround back in XXXX of XXXX. I provided all amounts owed with contacts including phone numbers, account numbers & balance owed. At that point they started deducting {$1600.00} a month, as the months went by I started receiving collection notes, then it went on to more aggressive means as I started getting served by the courts for creditors that had been provided to CT when they started receiving funds. I sent all summons & letters to CT believing they are handling my accounts for me. I started questioning what is going on & why did it get to the point of me getting served by the courts when CT has been deducting funds to negotiate & pay my creditors for many months ( about a year almost ). I asked for reports for many months from XXXX XXXX in which I would never get anything sent as to what the progress was. I requested many times for report as to what was paid to creditors. I finally received a report XX/XX/XXXX from XXXX who stated he was the new account rep, I immediately explained to him my concerns & wanted an explanation of where my funds have gone. XXXX sent report reflecting {$18000.00} that CT had deducted from our account. The report reflects CT is holding on to almost 50 % of the funds due to inactive debt which XXXX explained these are accounts that closed with no effort to reach out to my creditor. I took it upon myself to call all creditors & they said no one from CT has ever reached out to them to negotiate, they had no idea any company was involved to negotiate debt or work out a payment. The only ones who did get a call was XXXX, XXXX XXXX XXXX out of 8 creditors that where submitted. I have requested to date from CT to provide me with what exactly was paid & to which creditor it was paid to. I am still waiting for the report. It makes no sense for me to get served more than 3 times by the court when CT should have been handling all the creditors from the get go. Now as a result of CT negligence the balances & fees with these companies are much higher than when I submitted, they have caused more issues & made the debt worse then it was before I started out. They did not provide the services they advertise for debt relief, they made my situation worse. I need CT to take accountability & resolve the debts with the {$18000.00} they have received so far & provide proof they have resolved my debt with a feasible debt solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-04
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
Hello - I applied for a XXXX XXXX Chase CC last week - yesterday XX/XX/XXXX I received a letter in the mail with a Chase letterhead - it said to call XXXX to " verify the application. '' I called the phone # and they wanted my personal information. I told the rep I was not comfortable giving my personal information over the phone. She then rudely told me " Who else would send you this letter? '' I again stated that I could not be sure this was actually Chase and I did not feel comfortable giving out personal information to her. She said " Well what do you want to do then? '' I told her I was not giving her my information and she did not need to be unprofessional to me and therefore I would cancel my account. She then hung up on me. I have a Chase XXXX   VISA and got that out and called that # on the back and spoke to a rep and told her what  transpired. She said she could not verify that the # I called was actually a Chase phone #. She then transferred me to someone else and I was told I was approved for the XXXX Chase CC. I told them my experience and asked about the miles promotion I received - they couldn't verify the information. I called back later to ask about the promotion and the customer service and that person said they couldn't help me with my complaint and when I said I was cancelling they told me that was OK. I am disappointed in the service I have received and I have paid my bill in full each month for years with my XXXX Chase VISA so because they don't make enough money off of me they can treat me with disrespect and feel comfortable with a rep hanging up on me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-11
Company: ID Analytics, Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX Report and other furnished XXXX XXXX, XXXX XXXX, inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My Date of birth is XXXX. 
I have addresses on my report that do not belong to me and are not mine. They are inaccurate. Please remove delete that following addresses : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NC, XXXX XXXX XXXX, XXXX NC, XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX   XXXX NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC 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 2018-02-13
Company: Experian Information Solutions Inc.
State: MO
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:
XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, South Carolina is a Predatory Lender. I purchased used car a XXXX XXXX XXXX for {$9000.00} with cash payment down of {$2000.00} making the financing by XXXX XXXX XXXX for {$7000.00}. 

Due to Financial Difficulties I did a Voluntary Surrender of the car back to XXXX XXXX XXXX on XX/XX/XXXX. 

XXXX XXXX XXXX took a {$7000.00} car and sold it for {$2000.00} at an Auction and billed me for the balance of {$5000.00} now on this date of XX/XX/XXXX the {$5000.00} balance has grown to {$5900.00}. 

I want an Investigation Into the Criminal Fraudulent Activities of XXXX XXXX XXXX in trying to Collect Double what the car was financed. 

Selling a {$7000.00} car for {$2000.00} was a giveaway and XXXX XXXX XXXX didnt try to collect the Market XXXX XXXX Value of the Car. 

Waiting for your reply. XXXX XXXX XXXX should not be In business. Right at this point they are in the Business of Predatory Lending and Cheating their Customers. 

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 2018-04-09
Company: BlueChip Financial
State: MA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I received a payday loan from this company in amount of XXXX dollars. I made several pays to this loan. The amount never went down fact it went payment up. I called them asked why doesn't go down rather then up. They said because of the interested, I think this is very bad business, you want to pay-off but to expensive. So I was forced to revoke my electronic withdrawal. Looking into taking legal action into this matter. I really hope these type of compienes can be regulated better in future.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24
Company: CITIBANK, N.A.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This is the second complaint filed against citibank today The previous reference complaint number is XXXX This complaint is for another refund not credited to our bank debit card account On XX/XX/XXXX XXXX   XXXX credited our account in the amount of XXXX According to XXXX XXXX the credit was issued on XX/XX/XXXX at XXXX XXXX XXXX XXXX  said that we should have been issued the credit already I still have not received the credit and called Citibank but they again have said they have not received anything from XXXX XXXX Something is definitely going on with our account This is 2 refunds not being credited by citibank Please check into as soon as possible This is money that needs to be put back into our account and used for our bills

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11
Company: American Financial Resources, Inc.
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
It is near to impossible to contact this company. When I call I am on hold upwards of an hour before I can even talk to a human being. They do not respond to my messages, nor do they return calls. This has caused issues with additional fees being assessed. Right now I have an issue that needs to be respond. My payment was not applied correctly this will cause me to miss a mortgage payment. I need attention, XXXX knows I am paying for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have contacted USAA multiple times within the last seven or so years pertaining to my inability to make any transfers. Being that I have been a USAA member for twelve or so years, I was confused and until tonight XX/XX/19 I never received any information pertaining to why. I applied for a loan and I was denied, one of the reasons for denial was unacceptable banking behavior. USAA has repeatedly told me to call back in ten days and the report will generate with answers and every time I call back during said timeframe its either not generated or closed out. In the near future, Im applying for a mortgage and this marking on my credit file is hindering. Its been way over seven years and I never was contacted about fraud activity nor participated in any fraudulent activity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation