BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/2021, I, XXXX XXXX completed an online application with Capital One for a credit card. I received a denial for credit the same day stating the reasons why. The reason for Capital One decision is explained in the sentence below- *Based on your credit report from one or more of the agencies on the back of this letter, there have been too many recent inquires. 
*Based on your credit report from one or more of the agencies on the back of this letter, recent credit bureau inquiry. 
*Based on your credit report from one or more of the agencies on the back of this letter, length of revolving credit history. 
*Based on your credit report from one or more of the agencies on the back of this letter, insufficient experience with high lines of credit or credit amounts. 
According to The Truth and Lending Act, I, XXXX XXXX extended my credit to Capital One which made them the borrower according to 12 U.S.C 1431. Capital One explains how their decision was made based on the Fair Credit Reporting Act, which is false and deceptive according to Federal laws!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I sent letters to the bureaus on XX/XX/21 & XX/XX/21 I have heard no response to my letters. I will attach what I have sent. I'm aware that under the 602 [ 15 U.S.C. 1681 ] they are in direct violation of my rights.

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 2020-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
These accounts are not mine, nor are the names & addresses listed on file, nor did I authorize these companies to pull my credit. Please remove 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 explanation
Consumer complaint received 2019-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 has reported to the XXXX credit bureaus -XXXX , XXXX and transunion that i owe a balance of {$1900.00} for a auto loan. This auto loan was paid in full on XX/XX/15. i've tried many times to talk to this company but they fuse to accept that i paid this loan. I disputed this account with all XXXX credit bureaus multiple times only to have this account verified. Even though i provided them with a copy of the contract payoff. This account is hurting my credit to get a mortgage.

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 2020-09-24
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My ex husband and his family / his brother XXXX XXXX / XXXX XXXX XXXX caused issues and ruined my credit and tried to have me evicted after abusing me nonstop. 

The courts have info and the polcie were bribed not to arrest him and others who abused me. 

This means I cant obtain a lease! 

Please help!! 

Errors by the polcie and bribed lawyers shouldnt be my problem. I was even XXXX and robbed from and 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 2018-10-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
I have been a long time customer of capital one and maintain a large portion of my savings there. Rather than increase the interest rate on their existing savings account they created a new product with a very similar name and applied a higher rate of interest to it. Existing savings account holders are thinking they are receiving this higher rate as the name of the new product is very similar and why wouldn't be receiving the higher interest rate? Rates have certainly been going up over the last year. Capital one 's only objective in creating this product was to dupe existing account holders into receiving a non-market rate of interest. 
Why not just offer the higher rate on the existing account? BECAUSE they are ripping off existing customers by paying them a low rate of interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I attempted to sign up to TransUnion to receive my free annual credit report on XX/XX/XXXX. However, there is no method on the site to receive a free credit report - the only method is by signing up for a " premium '' credit monitoring system that charges a monthly XXXX dollars for " credit monitoring ''. 

I confirmed this with a sales representative ( XXXX ) on XX/XX/XXXX, who further clarified that the only ways of receiving a credit report from transunion is through paying for the premium credit monitoring system, or a once-yearly XXXX cent transaction. 
The latter XXXX cent transaction is nowhere on their landing site. 

There was no mention of the federally mandated once early free credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-16
Company: Experian Information Solutions Inc.
State: MI
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. has reported to the 3 credit bureaus -experian , XXXX and XXXX that i  owe a balance of {$1900.00} for a auto loan. This auto loan was paid in full on XX/XX/15. i've tried many times to talk to this company but they fuse to accept that i paid this loan. I disputed this account with all 3 credit bureaus multiple times only to have this account verified. Even though i provided them with a copy of the contract payoff. This account is hurting my credit to get a mortgage.

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 2021-04-23
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Conn Appliances Inc has contracted with Scott & Associates PA for the purpose of debt collection. I have been sued in court for a debt they say that I owe. The contract copy provided has information that I have no knowledge of and it makes up a significant portion of the amount they claim that I owe. The alleged debt is from a few years ago, but they had zero contact with me regarding this debt prior to XX/XX/2020 when I was served with court papers in the middle of a pandemic. I have attempted to contact XXXX XXXX XXXX via the contact information they provided in court papers, requesting more information on the debt, contract terms, possible resolutions, etc. and they will not return my messages. They continue to send letters in an attempt to collect, offering to reduce my alleged debt by varying percentages - from 10 % to as much as 60 % in the time since they have sued. They provide a portal on their website to request a hardship agreement, which I have also submitted, due to the fact that I have been unemployed for a year due to covid, have XXXX assets to even satisfy a judgement if I wanted to, etc. I have requested the opportunity to resolve outside of court, etc. and they will not communicate back to me. It seems they falsely claim to want to work out arrangements, provide hardship assistance, etc. but they do not actually follow through on those offers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Hello I am XXXX XXXX submitting documentation in regards to my complaint with experian. Attatched is my ID and Social security card to show proof, below is my original complaint. I originally had a dispute with Experian & XXXX. I've been a victim of Identity Theft, currently this situation is making it extremely hard for me to obtain credit and qualify for a mortgage.

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 2019-06-16
Company: Nationwide Recovery Systems, Ltd
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Nationwide Recovery System XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Debt amount : {$1600.00} Debt Date : XX/XX/XXXX Hipaa regulations in the united states prevent my medical documentations from being reviewed or viewed by unwanted agencies or people. 

On XX/XX/XXXX I obtained my credit report and notice Nationwide Recovery System has reported or filed a debt on my credit file. 

Their is no valid information given only dollar amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-16
Company: RentDebt Automated Collections, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
RentDebt Automated Collections , LLC This company has sent me a debt collection letter in which I paid and illegally continues to request another amount even though I have already paid the debt in full in which I requested them to show me evidence in which I even owe them and where they got their information from and they continue to send me letters and are still trying to collect. They sent me the receipt in which I have posted here so you can see that the debt says I owe 0.00. I will be filing a civil lawsuit in my local court house due to the fact that they continue to illegally mis represent the debt on my report in which is causing me mental anguish and harm to my life. I can not move forward or even rent a place because of this misguiding debt they are reporting on my social. Amount of {$810.00} was reported in which I paid for. If the debt is not removed within the next 5 Days I will file suit in the XXXX County Courthouse.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-16
Company: EQUIFAX, INC.
State: MI
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:
Equifax has refuse to remove an account listed by XXXX XXXX XXXX. i have provided a copy of the auto loan payoff to equifax as proof that this contract was paid in full on XX/XX/15. Equifax haven't provided me with any proof that this account is verified. I have disputed this account account 3. only to keep dropping my credit score with each dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-23
Company: Sequium Asset Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was a customer with XXXX for over two years. One of their customer service agents fraudulently extended my contract without my knowledge or consent. When I went to cancel my contract because I was moving to a new location that didnt offer XXXX service, they notified me that I had to pay a hefty cancellation fee of {$660.00}. I do not owe this money and the company refuses to help me, even after hours on the phone, including this evening where I was transferred and placed on hold for an hour and a half before hanging up. Its now listed twice on my credit report dragging my otherwise solid score down below where Im able to get a mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-16
Company: National Credit Systems,Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I filed a dispute with XXXX about National credit systems a 3rd party collection agency for landlords and it has turned into months and they still have not resolved the issue. I believe this is because it is a conflict of interest because XXXX connect does background checks for landlords. On the other hand I gave the same information to XXXX  and they were right on it and removed it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Struggling to pay mortgage

Complaint:
My mother passed away in XXXX of this year. I go to probate court on Tuesday XX/XX/2018 I informed XXXX XXXX of this and that I want to keep my mother 's home. They filed to foreclose on my mother 's home for a reverse mortgage a balance due of {$5300.00}. 
They won't talk with me until Probate Court. This is not fair. My mother 's home has memories that I shared with her and I don't want to lose it PLEASE HELP ME, I BEG OF YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26
Company: EQUIFAX, INC.
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:
I've disputed Equifax for several weeks. There are errors on my credit file regarding a bankruptcy. I have repeatedly asked the company to provide a petition with my signature on it. They refuse to comply. And their method of verification is in violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: Docuservpro dba Simple Repayment
State: AL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was contacted in 2017 by the Simple repayment company. They told me they would set me up on a payment plan and contact my student loan company and keep me in good standing with them. They said that I was to pay {$49.00} a month until the amount of $ XXXX was paid and they would make all the student loans go away. I agreed to have this done as long as my student loans were dismissed. However this is a scam. When you contact the loan company XXXX XXXX XXXX ( the company that takes the money from my account ). They tell you to contact the original people ( simple repayment ). They were saying that this fee was only for paperwork to be filed on my behalf, however this is not what was told me when I signed up for this arrangement. This company is just a scam to get money from you in hopes that they will take care of your student loans. After discovering this I have contacted the department of education to set up an actual payment plan to fix my account. This company will not longer be receiving any money from me.

Company response to consumer: Untimely response
Consumer complaint received 2021-10-13
Company: BANK OF THE WEST
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/2021 I opened a business bank account and secured credit card with Bank of the West. They later denied my secured credit card, even though I provided all the necessary documentation and funding. The business bank account remained open, but has been disabled by Bank of the West twice now in as many months due to an inadequate notification system. I requested both times of deactivation that Bank of the West send me a relay text so that I can confirm the validity of any questionable purchase with a simple YES/NO reply, to which they declined to accommodate. As a result, I requested to close my account, to which they claim I can not do online or over the phone. I do not have a car, and can not afford time or money wasted to be forced to go into a branch.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-26
Company: M&T BANK CORPORATION
State: NM
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I received a letter from M & T Bank stating that I am required to have H06 insurance coverage. I have had this mortgage loan since 2009 and have NEVER been required to have this coverage. There is not anything in the original mortgage documents that I signed in 2009, that states I am required to have this coverage. M & T bank states that " Section 5 of my closing documents states this information ''. They were also unable to clarify what page of the closing documents this is on nor were they able to provide me with a date of when I signed acknowledging and agreeing to having this insurance coverage. They did tell me if I do not get this coverage, they will obtain it for me and charge me three times the amount and apply it to my escrow. 

This conversation happened today. The phone number I called was XXXX. I spoke to XXXX XXXX ( who proceeded to call me a XXXX to her co-worker ) so I requested to speak to a supervisor. I was transferred to XXXX XXXX who is a team lead. He stated that I could reference this agreement I made in my original closing documents. My understanding is that when M & T Bank purchased the loan from the previous lender ( XXXX XXXXXXXX XXXX ) NOTHING changes from the original loan and should anything change, I am required to acknowledge those changes. This was not done nor have I signed anything acknowledging this. This appears to be a fraudulent scam that M & T Bank is using to charge more money to mortgagees escrows in an effort to make more money on existing mortgages.

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 2021-08-05
Company: U.S. BANCORP
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XX/XX/2021 I sent my yearly fee for a safe deposit box to US Bank. The check was not clearing through my account so I thought it had gotten lost in the mail, I sent another check. Both checks cleared through my account on XX/XX/2021. 

I applied for a refund as I had double paid. Even though I provided images of the checks demonstrating both check had been processed by US Bank they denied more than one check had been processed. I was dumbfounded, I stated a cancelled check is the XXXX XXXX that an amount has been paid. They insisted that if their records didn't show a double payment no other evidence mattered not even proof they had processed the check. Eventually they said I had to challenge the check with my own bank and the banks would get together and find out where the money went. 

US Bank didn't even know which check I had gotten credit for, with the help of my local bank we made a guess as to which check to challenge. 

After much go around with my bank nothing of use has happened. No head to head contact has occurred between the banks as far as I can tell and my bank is telling me I have to resolve this with the " vendor ''. 

Note : both checks have been deducted from my local account. 

The banking system has disappeared my money and US Bank isn't even a little bit disturbed that that can happen.

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 2019-06-16
Company: Capio Partners, LLC
State: FL
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: Problem with personal statement of dispute

Complaint:
Reporting agency : XXXX XXXX Address : XXXX XXXX XXXX XXXX : XXXX XXXX, TX XXXX I obtained a copy of my credit report and notice XXXX XXXX are reporting two Medical debt on my credit file. 

In the amount of {$210.00} and {$230.00} for a debt I don't believe is my debt. I am requesting validations on these two debts placed on my credit file

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-26
Company: Experian Information Solutions Inc.
State: HI
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 disputed this collection on thisXXXX XXXX XXXX for months.XXXX and TXXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''

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