BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-09
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MI
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
**Explicit Language** XX/X/2017 - A repossession agent violated FDCPA working on behalf of USAA. On Wednesday XXXX XXXX, 2017 a repossession agent made contact with me in person at my place of residence. Repossession agent identified himself, his employer, and who he is working on behalf of ( USAA ) and the collateral after asking if I was the responsible party. He advised he was at my place of residence to recover the collateral. I said, " well its in my garage and I am not going to open it ''. He asked what do I think will happen if he goes back to his truck and tells USAA that I said, " XXXX XXXX '' ( implying that I was n't going to pay USAA ever again ( for the record the only thing I said to him was " well its in my garage and I am not going to open it '' at no time did I use explicit language ) ) to which I replied, " It does n't matter because am not dealing with this through you and you are not the one I am to pay ''. He then said he is just trying to help me. He said I can hide from repossession but " this will not go away and USAA will keep repossession efforts no matter how much I pay. '' He went on to tell me that he has multiple vehicles he uses to repossess with and not just the truck that is in my driveway ( attempt to invoke fear ). 

After hearing his last few sentences I started closing the door as I knew that his statement was in violation of the FDCPA by threatening endless repossession efforts unless intending to do so. With the door nearly closed he began direct profane language escalating in speed and volume primarily the " XXXX XXXX XXXX in attempts to humiliate and abuse.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05
Company: Navient Solutions, LLC.
State: WA
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 had a {$21000.00} loan for college in XX/XX/1996. I had paid on and off since then and the loan defaulted. I got it out of default and have made IBR payments on time for the past year and 1/2, only to have Navient say the total now due is {$93000.00}. That is not right after all these years. I feel scammed and taken advantage of. I do not believe that a {$21000.00} loan has exploded into {$93000.00}!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23
Company: EQUIFAX, INC.
State: CO
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:
Equifax mortgage services did an inquiry on my credit report without my permission even though my report is LOCKED due to identity theft. 

Call Equifax mortgage services and they said they are part of Equifax credit reporting and can run a credit report on anyone they want any time they want.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-05
Company: U.S. BANCORP
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
US Bank Credit Card services has failed to update my account with the {$500.00} payment that I made on XX/XX/22. The {$500.00} was drafted from my bank account on XX/XX/22 and yet US Bank still has not applied the payment to my balance.

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 2020-04-26
Company: JPMORGAN CHASE & CO.
State: CO
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 been trying to remove a Fraudulent Credit Card Account from my credit report since I discovered it in XXXX of 2018. It was used without my knowledge or authorization I filed a police report as well as an identity theft report with the FTC. I have provided both these documents to the credit bureau and to Chase despite my following through with all the guidelines set forth by the FCRA Chase has continued to report this account incorrectly on my credit report. It is illegal to continue reporting an identity theft account to the bureaus as standard account. Chase refuses to accept my police reports and FTC information and continues to illegally report the account. 
This card did not show up on my original credit report so I did not know it was being accessed. When chase first contacted me I thought they were contacting me about another card. Their representative literally tried to trick me into accepting responsibility for the account that was not mine. Then called me a liar, and tried to manipulate me into saying things that were not true. I am not responsible for the charges on this account and Chase refuses to admit that. As a result, i have suffered significant financial losses, from higher interest rates, failure to qualify for loans, and a multitude of other things all because a representative at chase decided she wanted to manipulate what I was saying to make up a story that was not true. It was highly unethical, a business should never call their customer and try to manipulate them into saying something so the bank is in a better position to sue them. I am not responsible for this debt so chase has collections officers call over and over and ask different questions trying to manipulate me into saying something they think makes me responsible for the debt. 
Despite what stories they want to make up I am not responsible for these charges. I would really like them to stop reporting inaccurate information on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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 had been applying for a home loan, and my lender told me that my credit report showed two credit card accounts with Capital One, one of which had outstanding payments due since XX/XX/XXXX. I only have one account with Capital One, so I called Capital One about the error on XX/XX/XXXX. On that date, I spoke with XXXX, employee XXXX who determined that Cap One likely opened a duplicate account as both my current, real account and the improper account had the same application date and parameters. XXXX promised to have this information corrected with all three credit bureaus and to send me a letter confirming the same so I could share with my lending bank. An entire MONTH later, I had received no confirmation or return from Cap One. I called again and spoke to XXXX employee # XXXX who told me that the first agent had never filed the proper paperwork to remove the erroneous account from my credit history with the credit bureaus. She ensured me that she would file the dispute and all necessary paperwork and fax me a letter saying the same. By XX/XX/XXXX, I still had not received a letter or any confirmation or update so I called Cap One again. This time, I spoke with XXXX employee # XXXX who stated that she could not provide a status update on my account and would have to investigate further. After 5 weeks of delay and Cap One not correcting its error, I am left with no option but to seek assistance from the CFBP.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
THIS COMPANY WHICH I HOLD NO CONTRACT WITH REPORTED A COLLECTION ACCOUNT AGAINST MY SSN IN THE AMOUNT OF {$940.00} WITH CREDIT AGENCIES AND ALSO SEND ME LETTERS I REQUESTED VERIFICATION OF THE DEBT AND ACCOUNT HOWEVER THE BUSINESS FAILED TO PROVIDE ADEQUATE PROOF WITH MY SIGNATURE I DO NOT HAVE A CONTRACT WITH THIS AGENCY. CONSIDERING THIS BUSINESS DOES NOT HAVE A CONTRACT WITH ME FOR GOOD OR SERVICES/BUSINESS THEY HAVE PROVIDED NOR HAVE THEY PROVIDED ADEQUATE PROOF I AM NOT OBLIGATED TO PA FOR THE ALLEGED DEBT. I HAVE REACHED OUT AND SENT LETTERS SEVERAL TIMES AND ASKED THIS AGENCY TO VALIDATE THE DEBT THIS COMPANY IS CAUSING FINANCIAL HARDSHIP AS IT REPORTED ON MY CREDIT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-23
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Compass Bank in XXXX XXXX, CA has reported to all the major credit agencies that we have been delinquent on multiple occasions. The bank has admitted fault due to human error. Apparently, the funds were deposited into the incorrect accounts and automatic withdrawals could not be made, leading to late payments. Despite admitting these mistakes, the credit agencies have not been notified and my credit rating has been substantially impacted. Investigations are pending with all three agencies. The bank should be investigated for questionable standards and practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: EQUIFAX, INC.
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16
Company: ENOVA INTERNATIONAL, INC.
State: MO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
CashNetUSA XXXX, has not contacted in me in a fair and consistent manner that other debt collectors would do, such as contacting via mail to ensure the validity of debt, explanation of charges, proper charging of interest, etc. CashNetUSA LLC, would not attempt to work with a Debt Management Plan, XXXX XXXX XXXX XXXX enrolled in XXXX, for the full principal balance through series of payments. On XX/XX/2021 at XXXXXXXX XXXX I received an email with a proposed offer to avoid collections and pay 50 % off, when chatting with XXXX, he said that my debt in total of {$1400.00} was sold to XXXX XXXX, XXXX on XX/XX/XXXX, so why did I receive an email? XXXX, stated this email was sent in error, I'm not buying that. nor did I receive a letter of intent to send debt to collection agency, and today XXXX XXXX XXXX, contacted my work phone number violating the Fair Debt Collection Practices Act, before even sending me a letter. I'm willing to work with CashNetUSA, but I am disputing the validity of debt as the stated amount is in upwards of {$200.00} and some change then previously accounted for and the right to cure was initiated sometime in XXXX or XXXX. When visiting XXXX XXXX website, I couldn't even find the case file. XXXX XXXX XXXX, also stated their client who I presume would be CashNetUsa, XXXX, stated that they would be moving to make a final recommendation with or without correspondence, such as it sounds like intimidation to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
AFTER REVIEWING A COPY OF MY ANNUAL CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ITEMS THAT WAS PLACED ON MY REPORT. PLEASE RE-INVESTIGATE AND HAVE THOSE INACCURATE ITEMS OFF MY CREDIT FILE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-05
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:
I have been disputing with XXXX, Transunion and XXXX 3 fraud telephone accounts on my credit report. XXXX XXXX, XXXX XXXX XXXX all reported lines open under my name after my wallet was stolen with all my personal information. I sent them copies of my police report and have disputed it over 4 times with each creditor, as well as with the companies. All claim to remove it but it is still showing up as a derogatory mark on my credit. When I call them they sometimes claim they cant even find me in the system, not even as a fraudulent account. I have paid credit repair companies to try to get it resolved, but it takes so long i can't continue to spend money for a fraudulent account. This has been going on with all 3 companies for the last 4 years, I have spent hours and hours on the phone, submitted police reports and proof of my stolen identity without this getting resolved.

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 2017-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
While viewing my credit report I have a few hard inquires from when I applied for a mortgage starting in XX/XX/XXXX. I thought applying for a mortgage within a few months was counted as only one hard inquiry. 

XXXX XXXX. XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

XXXX XX/XX/XXXX All XXXX of these hard inquiries are for a mortgage I closed on XX/XX/XXXX with XXXX XXXX These hard inquires appear on all reporting agencies on my and my wife 's credit reports Thank you

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 2022-03-05
Company: College Assist
State: IL
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:
I'm a victim of identity theft. Please refer to police 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 2022-03-05
Company: Prosper Marketplace, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I opened an account with Prosper on XXXX under the agreement that if I set up auto pay before the 1st statement the annual fee of XXXX. Would be waived the 1st year. I set it up on the website because their app wouldn't open. It took a week for that to start working. I got a statement dated XX/XX/XXXX that charged the fee. I called & was told they couldn't verify my identity. I tried again today after email got no response. I was told that I didn't register on time so I have to pay the XXXX & they refuse to reverse the fee. They blocked my use of the account & I haven't even received the card yet.

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 2018-10-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Capital one credit offered XXXX XXXX XXXX. I downloaded there service over a year ago. TO my surprise, the credit scores they give me do not match XXXX, XXXX or XXXX. I am told my credit scores should be XXXX but during a recent auto loan, I was told XXXX? Capital one XXXX XXXX  is misleading. They are not reporting the credit credit scores. Credit wise may be using a 3rd party reporting but they do not disclose that information on the scores showing on the mobile app. Very misleading. WHY PROVIDE MOBILE APP XXXX XXXX IF THE SCORES DO NOT MATCH XXXX, XXXX, OR XXXX? These are misleading factors. 

Therefore, XXXX XXXX is not a true link to the credit reporting agencies. FRAUD on Capital one. 
XXXX XXXX IS ONLY advising of the possibility of your credit but are not linked to the reporting agencies for FICO SCORES. Once again FRAUD for XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: TD BANK US HOLDING COMPANY
State: KY
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:
Texas had a ice storm that shut down the whole state of Texas..target card services shut down the payment processing facility in texas. 
No fault of my own I mailed numerous payments to target red card account.. 
Delays made payments late and now they are reported to the credit reporting agencies as late I wrote letters and called numerous times no response..they told me I should of and would of pay it a different way like i knew the payment would be late because of the texas ice storm that shut down everything.. 

I called numerous times to get it resolved and getting the run around.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-05
Company: Experian Information Solutions Inc.
State: NY
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:
The following accounts are in violation of US 15 1666b : 1 ) XXXX XXXX XXXX XXXX ( Account Number : XXXX ) Time of delinquency : XX/XX/XXXX I also have a goodwill adjustment letter from the CEO of the bank XXXX XXXX. And the three credit bureaus are refusing to honor this letter. 

2 ) XXXX  XXXX ( Account Number : XXXX ) Time of Delinquency : XX/XX/XXXX XXXX ) XXXX ( Account Number : XXXX ) Time of Delinquency : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX ) XXXX XXXX : ( Account Number : XXXX ) Time of Delinquency : XX/XX/XXXX These four companies are all in violation of United State code 15 1666b and also United state Code 15 1681n. As a direct violation of my rights and the US code, the following late payments must be removed from my credit file : 1 ) XXXX XXXX XXXX XXXX ( Account Number : XXXX ) Time of delinquency : XX/XX/XXXX 2 ) XXXX  XXXX ( Account Number : XXXX ) Time of Delinquency : XX/XX/XXXX 3 ) XXXX ( Account Number : XXXX ) Time of Delinquency : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 4 ) XXXX XXXX : ( Account Number : XXXX ) Time of Delinquency : XX/XX/XXXX XX/XX/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 2019-04-22
Company: EQUIFAX, 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:
All of these accounts and account numbers are what I believe to be fraudulent. I have detailed the nature and the way I believe the thieves who stole my identity previously to the bureaus with out any resolve. I am requesting these accounts are removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09
Company: Bread Financial Holdings, Inc.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I am an XXXX in XXXX XXXX, and received a lengthy voicemail threatening my future if I did n't call " XXXX '' back before close of business today. My phone number is on the Do Not Call List, and I owe no outstanding debts to anyone -- I have stellar credit on all credit reporting agencies. Nevertheless XXXX called my cell phone ( which is a South Carolina number, and I have had it for decades ) at XXXX and left his abusive and threatening message about a debt that XXXX XXXX owed. I know many XXXX XXXX -- it is a very common name. But that is not my name. I called XXXX back and he refused to tell me how he got my cell phone number or more details about why he was calling me, or how he knew my name was XXXX XXXX. His supervisor did the same. This debt collector is calling random or targeted people with the last name XXXX, apart from the alleged debtor, in an apparent attempt to force the debtor to pay. I do not know who the debtor is, but there is no other reason to call my number and leave a threatening message for XXXX XXXX, when my name is not XXXX XXXX and my voicemail greeting clearly states that. This is aggressive and abusive debt collection practices, and also violates the Do Not Call list, as my number is listed there and this company has no business with me. This bank called from phone number XXXX, and XXXX stated to call him back at XXXX, extension XXXX. His supervisor is XXXX. Both XXXX and XXXX demanded to know my first name and I refused to provide it, stating they should already know it before calling my cell phone number ( which I repeated for them ). XXXX kept demanding to know my first name, and I refused to give it, as she refused several times to give me her full name as well. This bank should not be allowed to harass other people related to a debtor, or bearing the same last name ( XXXX is very common in parts of the world ) in order to collect debts or attempt to embarrass a debtor.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have inquiries on my XXXX report that doesnt belong 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 non-monetary relief