BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 have repeatedly disputed with Capital One and XXXX  regarding the accuracy of an account Capital One is reporting on my credit report. I am exercising my right under FCRA section 609. I have a right to view the information that Capital One has regarding a account they are reporting on my credit report. I do not agree with the balance or payment history. Example, the credit limit was {$300.00}. XXXX  is reporting the high balance as {$800.00}. How did the balance exceed the credit limit? Capital One verified the information as accurate. I do not agree with the late payments. I am requesting ; the Balance History, Payment History, Original Contract, Payoff Disclosure, Interest Rate Disclosure, and Credit Insurance. Capital One has not provided any of the documentation requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: Factor Trust
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I've disputed the public record on my credit files with the credit reporting agencies and the data mining companies but keeping getting that the account was verified by the US bankruptcy Court of XXXX  Texas. I've supplied a letter from the US Bankruptcy Court of XXXX Texas, The XXXX XXXX of Texas that states they don't report to and Credit reporting agencies and the credit reporting agencies and data miners continue to verify the account. Under the Privacy act of 1974 under 5 U.S.C. 552a that information isnt allowed to be released by the US Bankruptcy Court. Under 15 U.S.C. 1681-1681y, Section 623 of the FCRA, 15 U.S.C. 1681s-2, only the furnisher of the information can report information and since XXXX and the other data miners are third party companies and not the US Bankruptcy Court of the XXXX XXXX of Texas the Credit Reporting agencies and Data Miner Companies are in violation of law and therefore are subject to fines and penalties.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
The interest on the loan should have been lower because of the autodraft from checking account which should have resulted in a lower balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had two missed payments and my account was closed. I live in XXXX Florida where Hurricane Irma caused major damage. I was without work for a while and was unable to pay my credit card. i had no phone, i had no internet and no way of contacting the credit card to let them know of my financial statuts.I made a two payments as soon as i could and my account was closed. I think it is unfair that they would close my account when i had financial troubles.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-07
Company: Experian Information Solutions Inc.
State: TX
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 tried multiple times today to get a credit freeze lifted through Experian. Even though Experian claims that the freeze is lifted, I am still unable to get a credit application processed. Each time I've tried to get my loan application processed, the creditor says there is a freeze on my credit. I have not been able to speak to a real person at Experian to clear up this problem. Experian seems to have taken extreme measures to avoid having live agents assist consumers. This issue is having a very negative impact on my ability to conduct essential personal financial business.

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 2018-10-09
Company: Specialized Loan Servicing Holdings LLC
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We were working with an attorney to try to remodify our mortgage. The attorney stopped corresponding with us and did not disclose any information to us relating to our property. In the middle of not hearing from the attorney the mortgage company paid the water pollution bill and took over our mortgage.

My Wife and I had to send the mortgage company a letter removing the attorney from our case in order to receive any information about our mortgage.

We would still like to save our home and feel that's it's not fair that our house was stolen from us due attorney negligence/malpractice.

Please help.

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 2021-04-02
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
RE : XXXX This is not a duplicate report, XXXX XXXX XXXX added new false derogatory statements by adding : 1. new 60-day late payments for XX/XX/XXXX and XX/XX/XXXX, 2. the first delinquency occurred on XX/XX/XXXX, 3. the account was closed on XX/XX/XXXX, and 4. the last payment was received on XXXX XX/XX/XXXX. 

1. There was never a late or missed payment on the account. Therefore the 30-days and 60-days maliciously reported to the credit bureaus must be removed. 

2. There was never a delinquency, however, XXXX XXXX  XXXX has reported many false and malicious claims to the credit bureaus between XXXX and XXXX and again between XXXX XX/XX/XXXX and XXXX XX/XX/XXXX. 

3. The property was sold in XX/XX/XXXX and the bank first reported the account closed on XXXX XX/XX/XXXX and continued to maliciously report new missed and late payment delinquencies through XX/XX/XXXX which are being used to impact my credit report and credit scores negatively. 

4. XXXX  XXXX XXXX received its last payment from me in XX/XX/XXXX, the property was sold and I was not required to submit any more payments and did not make anymore payment. Therefore, there was never a 30-day or 60-day late payment in XX/XX/XXXX as reported by XXXX XXXX XXXX. These maliciously reported delinquencies must be removed from my credit report and my d scores restored to their values prior to the impacts of the false claims.

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 2019-03-31
Company: ALLY FINANCIAL INC.
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have called Ally Financial. They said my account is behind when I was told by the person paying on the loan was up to date. This issue has dropped my score 150 points. Im unfuriated this has come to my attention right before I try to buy my own house. If this can be resolved, please I would greatly appreciate it. Thank you so much!

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 2022-08-25
Company: Netspend Corporation
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/2022, I received a letter in the mail with a XXXX XXXX XXXX stating, " You're In! Welcome to the club. '' The letter instructed me to activate the card, load it, and swipe. On the bank of the letter is a routing number and account number for the debit card through XXXX, XXXX. 

On XX/XX/2022, I called and email Netspend and XXXX. Neither entity had a customer service representative available to help. Netspend does not have Fraud Department and XXXX has no live operator to handle fraud calls. 

This account was not opened by me. Netspend was able to verify my social security number. At no point in time did I ever provide my social security number to Netspend, XXXX or to any of their partners to open this account. 

I attached the letter, debit card, and account information received from Netspend and XXXX. I blanked out all but the last four of the debit card and last five of the checking account so that the Companies may verify their information in this letter.

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 2018-03-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX XXXX works with a company called XXXX to send money. 

When set up, I was assured that I could send {$1200.00} a month to my landlord. 

Today I could not. I was told that my limits were lowered and was unable to send it. 

Apparently capital one does not have to notify you if they change your limits and there is no way to raise the limit to the monthly promised amount due to security. 

Now I can not pay my rent on time due to this misinformation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07
Company: Ameritech Financial
State: KY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I have been enrolled in an income re driven payment plan with XXXX since XXXX, XXXX was suspend due to a civial fraud case with the FTC and XXXX had not received any money from. Therefore i have been paying XXXX since XXXX for nothing, the money has gone no where. XXXX was suppose to pay of the loan upon agreement, after i paid half the loan and paying XXXX a fee at the beginning of this process. I had asked for documentaion about 6 months ago and all the sent me was from XXXX forward, i needed this info for hospital spin down payment process, that was pulling teeth to get that documentation.

Company response to consumer: Untimely response
Consumer complaint received 2021-09-07
Company: Synovus Bank
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I opened a secured credit card with 1st Progress using my own {$200.00}. I used and made payments on this card for 10 months and felt like I shouldnt be charged how much interest I have been being charged especially with the money I am spending is money I used on my card. So I decided to make the final payment and was under the impression that this account was closed at that point. I recieived more late fees and interest charges and caused my balance to go up and them to report me late to the credit bureauas. This has caused tremendous damage to my credit and I am about to lose the home I have worked so hard to get into. They should not be reporting me late when I placed the money on this card that I was previously using and cause severe damage to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
On XX/XX/2020, a fraudulent hard inquire was made to my Transunion credit record by XXXX XXXX  XXXX, XXXX, FL XXXX, XXXX. I received an alert by a credit monitory company and called the lender, who cancelled the application. My quick action helped the lender avoid losses, but I am now the only one at a loss because the fraudulent inquire remains in my credit record. XXXX XXXX XXXX refuses to issue an inquire deletion letter that Transunion unreasonably demands. 

In short, both the lender and Transunion refuse to remove it despite my several requests by phone and their positive knowledge that the inquire is fraudulent.

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 2021-09-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposted a check with Captial One bank online on XX/XX/21. They informed me that the check would be held for 60 days after I made the deposit. I waited the 60 days and the funds were still held. I contacted the bank and they informed me there was a missing endorsement and I would need to have the issuing bank return the check and issue a new one. I called the issure of the check and they said the check cleared their account weeks ago and that because the check has been paid Captial One should not be holding my funds and they would not re-issue a new check or return the paid check I needed to work this out with Captial One. I now can not get Capital One to return my call to settle this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05
Company: EQUIFAX, INC.
State: AZ
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: Was not notified of investigation status or results

Complaint:
On XXXX XXXX, XXXX I sent letters to Equifax, XXXX, and XXXX requesting that they add five consumer credit accounts to my personal credit profile, and asked that they reply when the information had been confirmed and updated. To this date, XXXX XXXX, XXXX, I have not received a written response from either one of the Credit Reporting Agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
Webster Bank allowed {$150000.00} in forged checks at a local branch without questioning the sudden change in banking habits of my elderly uncle. He was XXXX years old and never withdrew large amounts of money or wrote checks in large denominations. We have unsuccessfully been able to get Webster to reimburse the funds. The person responsible for the theft was arrested and prosecuted but the bank is not responding and Branch Managers are not helping us. The letter to the President of Webster bank remains unanswered as do our calls and questions. 
I have attached the letter to Webster Bank and copies of some of the forged checks that the Branch gave the police dept.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I purchased a washing machine and dryer from XXXXXXXX XXXX via credit card application which I later discovered the amount was financed by Synchrony bank. 
Unfortunately, this product was returned and a return process was duly completed ( see invoice attached ) this was back in XX/XX/2019, XXXX still reports an outstanding balance of {$510.00} which accrued from {$420.00} on my credit report and it still sends me bills every month. 

Order # XXXX Order Date : XX/XX/2019 Sales # XXXX XXXX Transaction # XXXX Store # XXXX Terminal # XXXX Store Manager 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 monetary relief
Consumer complaint received 2017-12-05
Company: Experian Information Solutions Inc.
State: MO
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 have made contact with XXXX XXXX on XXXX/XXXX/XXXX regarding a FHA Loan on my credit report. They have taken NO action. This mortgage loan was opened in XXXX/XXXX/XXXX address is XXXX XXXX XXXX XXXX, MO XXXX phone numberXXXX reported XXXX the social security number on the account is one number off of my social security number. 
The account number is XXXX date of last payment is XXXX I need this and all the alias names that are from this account removed ASAP as I I trying to get pre approved for a home mortgage. 
XXXX is reporting it on my credit. 

XXXX XXXX phone number is XXXX Please notify me ASAP as this is causeing me to not buy a 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 non-monetary relief
Consumer complaint received 2017-12-05
Company: EQUIFAX, INC.
State: MO
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 have made contact with XXXX XXXX on XXXX/XXXX/XXXX regarding a FHA Loan on my credit report. They have taken NO action. This mortgage loan was opened in XXXX/XXXX/XXXX address is XXXX XXXX XXXX XXXX, MO XXXX phone numberXXXX reported XXXX the social security number on the account is one number off of my social security number. 
The account number is XXXX date of last payment is XXXX I need this and all the alias names that are from this account removed ASAP as I I trying to get pre approved for a home mortgage. 
Equifax is reporting it on my credit. 

XXXX XXXX phone number is XXXX Please notify me ASAP as this is causeing me to not buy a home

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
They called at least five family members on Friday XX/XX/XXXX then again Monday XX/XX/XXXX. They have my address, read my address to everyone they called. They keep calling the same people asking for my place of employment and address.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05
Company: Debt Recovery Solutions, LLC
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The company by the name of XXXX XXXX XXXX keeps re-aging the debt to make it looks current. In this case it is not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: ID Analytics, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I've disputed the public record on my credit files with the credit reporting agencies and the data mining companies but keeping getting that the account was verified by the US bankruptcy Court of XXXX  Texas. I've supplied a letter from the US Bankruptcy Court of XXXX Texas, The XXXX XXXX of Texas that states they don't report to and Credit reporting agencies and the credit reporting agencies and data miners continue to verify the account. Under the Privacy act of 1974 under 5 U.S.C. 552a that information isnt allowed to be released by the US Bankruptcy Court. Under 15 U.S.C. 1681-1681y, Section 623 of the FCRA, 15 U.S.C. 1681s-2, only the furnisher of the information can report information and since XXXX and the other data miners are third party companies and not the US Bankruptcy Court of the XXXX XXXX of Texas the Credit Reporting agencies and Data Miner Companies are in violation of law and therefore are subject to fines and penalties.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05
Company: AES/PHEAA
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I believe this servicer ( American Education Services ) is incorrectly calculating the interest charged to borrowers. The original load was in the amount of {$33000.00} and was disbursed on XXXX/XXXX/05 with a term of 238 months and a monthly payment of {$230.00}. The reported interest rate is XXXX % and the accrual method noted is simple interest calculated on the balance. According to their information the daily interest is the principal balance x XXXX % divided by 365 days = the daily interest accrual. I have used a number of simple interest loan calculators to compare their rates and payment terms. In all cases they are charging at minimum XXXX % greater in interest than the reported rate. 

With all of the current discussion concerning the impending student loan disaster I decided to go back and review the loans for my children. Based on the calculations it would appear that just for this loan it will cost about {$6900.00} more than the published information. If I am missing something I would like to know what it is. Otherwise this constitutes fraud I and needs to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Account Name : PORTFOLIO RECOV ASSOC ( Original Creditor : XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX ) Account Number : XXXX Date Opened : XX/XX/2020 Balance : XXXX Reason : Identity theft Please remove it from my credit report.

Company response to consumer: Closed with explanation