BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
DISCLOSURE :

THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY. LEGAL DISPUTE REQUESTING FULL DISCLOSURE OF TRUE TIMELINES PERTAINING TO TRADELINE PROCUREMENT, IN ADDITION TO ACTUAL PAYMENT HISTORY PROVING ACTUAL INITIAL DATE OF FIRST 30-DAY LATE PAYMENT HISTORY, THUS TRIGGERING THE 7-YEAR RULE THAT RELATES TO ERRONEOUS OR OBSOLETE INFORMATION. 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports.
Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.

( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period.

( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years.

( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.1 ( b ) Exempted cases. The provisions of subsection ( a ) of this section are not applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more ; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more. ( c ) Running of reporting period. ( 1 ) In general.

The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Chase closed my account and have not given me any reason why, I have been researching online and seeing that chase does this often. I am assuming it is because i have recently received my retroactive payments from unemployment. They marked my account for suspicious activity and told me it was a final notice ; it will be closed. I have a legit unemployment account and I am not sure why they would not at least talk to me to try and clear up the situation. They told me that the account will be closed after 10 days and the money will be sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: GOLDMAN SACHS BANK USA
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have not been able to view any of my transactions since XXXX. Now I can not even view monthly statements. I have no way of verifying if the purchases or amounts are accurate when paying my bill. The only method Apple allows for viewing transactions is on an Apple device, but none of my devices will show my transactions. I have several open cases with Apple to try to get this fixed, but they have not fixed it in almost 4 months and have become unresponsive when I call about the case numbers. I should not be expected to pay a statement I can not view or for transactions I can not verify. Apple needs to fix this problem ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-09
Company: Experian Information Solutions Inc.
State: OH
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:
Experian is PREFERRED LEASE as late. This late payment was corrected in the XXXX  and XXXX, but Experian refuse to correct the payment history as this as account was not late. 

PREFERRED LEASE # XXXX Please correct payment history as you are in violation of my rights and COVID-19 law as well. 

If not corrected this information is inaccurate and requires deletion!

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 2020-10-22
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Synchrony bank care credit card has negatively reported on my credit report even though I told them and show proof that I was in a mental health facility since 2018. 
On all my credit reports I have placed a personal statement that says that I am a victim of identity theft and under no circumstances credit be extended to someone without first answering security questions. I am mentally XXXX and on also on a fixed income and this has caused me great distress and that led to my recent hospitalization. Synchrony bank has removed other accounts that they deemed as identity theft and had them removed. This care credit account is under Synchrony Bank and also fraudulent. This is affecting my ability to move to a safer environment where I don't have to be concerned about broken into mail boxes and identity theft.

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 2020-11-14
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
I received serval responses to the disputes Ive made under FCRA 611 ( a ) regarding the information on my credit report ( an alleged Bankruptcy chapter XXXX account unverified information ). I was furious to learn that they obtained unverified information from LexisNexis and elected to leave the disputed item on my credit report as accurate. I was very interested to know how their investigator ( s ) arrived at this erroneous conclusion that the information the company XXXX LexisNexis XXXX reported to the credit bureau is accurate. I requested a complete list of all documents and correspondence between them and LexisNexis, verifying the disputed information. I specified that they included all names and contact information of employees that they spoke to as part of the investigations. LexisNexis is not listed on my credit report as a creditor and I have no affiliation with them. The US Bankruptcy Court of NC XXXX is the creditor listed for reporting the alleged Bankruptcy chapter XXXX account unverified information. But the credit bureaus said they verified the information with LexisNexis and not with the US Bankruptcy Court of NC XXXX so there is no valid basis for claiming the alleged Bankruptcy chapter XXXX account information on my credit report is true. 

Due to my frustration, I reached out to the court listed on my credit report US Bankruptcy Court NC XXXX, to dispute the alleged Bankruptcy chapter XXXX information reporting and was advised that they have no affiliation or communication with any credit bureaus relating to bankruptcies. My repeated disputes were they said the verify the accuracy of the information being reported was a lie and they ignored all my requests, which is another violation of Federal Law and evidence so they willfully disregard the law. I advised them that under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. and I request that they do this immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07
Company: CCS Financial Services, Inc.
State: TX
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:
XXXX XXXX, 2017 Account Reference # : XXXX To whom It may concern, I request validation of thisdebt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to : For the purpose of validation provide me with : The name and address of the original creditor The original date of default or non-payment of the debt with original creditor The date the debt was transferred from the original creditor to the third party debt collector The original balance The current balance Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ) Texas Surety bond information as required by Sec. 392.101 - my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. 
Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files.
I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ). Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do notcontact my family, acquaintances, or employer in any manner.
Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter.
Please also note Texas BCC17.
I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ). Regards

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: Ocwen Financial Corporation
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
PHH Mortgage XXXX XXXX services my mortgage. I paid my account one day early and they misapplied my payment as a principle only payment. They are unable to correct this problem. It has been over a month and they still haven't resolved the issue. I have called every day to ask about a status update with no new news to report. 

The reason this is a huge problem is because I am in the middle of refinancing my loan and unable to get a payoff quote. The loan was supposed to close today and they are unable to fix the problem. This is causing me money because I have paid for a rate lock and I am not able to close on my new load.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16
Company: OPORTUN FINANCIAL CORPORATION
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I lost my job for the pandemic, I couldn't made my payments anymore of my loan OPORTUN name of the company, so I called them to let them know about my situation, they said they are going to help me with out any penalties or extra charges today Saturday XX/XX/2020 I called them again to extend my day of payment, surprise my amount of my loan increase {$230.00} more, I just feel ripped off, that is their help when I'm been punctual in all my payments and this is a bad time no just for me for many people.. I try to talk to them about it and got some explanation about the charge and they said is interes ... so what I can do, they really give more time yes but charges a lot for that.. please help me.!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: JPMORGAN CHASE & CO.
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: Credit inquiries on your report that you don't recognize

Complaint:
I am disputing a hard credit check because after accepting Chase 's preapproved offer in which no where in the application stated that they would perform a hard credit check, I realized they did. 

On XX/XX/2021, I spoke with a Chase credit reporting representative name XXXX. 
He informed me that, " all credit cards pull hard inquiries. '' I asked him to email me a pre approve offer that states the aforementioned. XXXX admitted that Chase 's offers does not state that they will perform a hard credit check, but it was implied. 

The reason for the dispute is I would not have taken the offer if there was a hard credit check.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16
Company: Law Office of Michael J. Scott, PC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
For several yearsI since XXXX or even earlier i held a XXXX Credit Card. Nevertheless, this account seems to also be owned by XXXX  XXXX XXXX. I made payments to both it seems. 
It looks like XXXX XXXX XXXX sold my debt to a Texas Debt Collector who now claims to be representing XXXX XXXX XXXX in the collection of this debt ... which of course it is not a XXXX XXXX XXXX Debt, but a XXXX XXXX XXXX. 
About 50 % of the balance in that credit account was based on fees. Back on XX/XX/XXXX the last balance showing in the XXXX XXXX monthly statement was {$2500.00} The present balance according to SCOTT & ASSOCIATES IS of {$2700.00} higher than it was 3 years ago when I cancelled the card and stopped paying on it with a letter of complaint and request for reduction of the balance. IN XXXX XXXX XXXX XXXX had the records but by XXXX it looks that XXXX was in charge. Very confusing to say the least! 
Somehow XXXX XXXX XXXX sold this debt ... that was not theirs .... 
to SCOTT & ASSOCIATES. a debt collector based in XXXX, TX I never had a problem withI XXXX XXXX XXXX until XXXX XXXX XXXX began managing the card. 
Now I am facing Scott & Associates in court. They filed against me IN THE NAME OF XXXX XXXX XXXX .... but they actually bought the debt from XXXX XXXX XXXX and are not stating that. 
I think this a gimmick and I am being played. 
I investigated as far as I could but it is all very confusing. Who do I owe this money to? Why is XXXX XXXX XXXX involved and how can they sell a debt that is not theirs? 
They filed the suit.!! at least their name is on the court filed papers. 
Scott & Associates connection to XXXX XXXX XXXX is, to say the least, very dubious. I not illegal. 
There is no mention of XXXX XXXX either, even though they were the account holders and initiators.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: Experian Information Solutions Inc.
State: NY
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:
To whom it may concern, I have discovered that there is unauthorized information in my name being used on my consumer reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my consumer reports. I believe I may be a victim of identity theft. I have a security lock on my consumer report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted/removed from my consumer report as soon as possible. These items are fraudulent and they have devastatingly impacted my relationships with creditors. I reached out to Experian about these matters on numerous occasions ASKING TO SEND ME EVERY DOCUMENT PERTAINING TO THESE ENTRY THAT YOUR AGENCY USED TO VALIDATE THIS DEBT. the only response I have receive from these agencies is this debt has been validated and will remain on your consumer report with no documents provided. Please investigate these matters and remove/delete the disputed items, as soon as possible Thank you. according to the Fair Debt Collection Practices Act. below is a list of laws that have been violated. 15 usc 1681 c 2 15 usc 1681 b ( a ) ( 2 ) 15 usc 1681 a ( k ) ( iii ) 15 usc 1681 ( a ) ( 4 ) 15 usc 1692 d ( 1 )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
XXXX reversed loan back to AES in the amount of XXXX on XX/XX/XXXX. I received letter from XXXX on XX/XX/XXXX that I was 60 pass due on my AES loan. I called XXXX immediately. We had a conference call to AES. They refuse to mail me anything since I was enrolled paperless option back in XXXX. I could not login to online account. There was issue with my legal name but it was important to them to upholding paperless option. Withholding information about loan as it was accruing interest. AES told me the only thing they could do was to put my loan into forebearance. I would need to mail them proof of ID before I could access loan online. XXXX recommended that I call them back afterwards to consolidate loan. That I should try to pay the accrued interest. Once I could logon to my account the accrued interest was unaffordable to me. As I tried many times to get help from AES to roll back balance to XXXX since only receiving letter from XXXX on XX/XX/XXXX informing me to call AES. This loan has skyrocketed way beyond original amount after 9 years of paying it down. I want to consolidate loan balance but not until AES corrects the balance on loan. This problem was created by AES refusing to inform when loan was reinstated by mail, giving me the run around about paperless option, and locking me out of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: Nelnet, Inc.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Nelnet Bank Refinance Account number XXXX I refinanced my federal student loan on XX/XX/, I have sent in multiple extra payments specifically asking the bank to apply to my principal. After making my obligated monthly payment, I requested every extra payments be applied to my principal via emails, verbal conversations by phones and writing on the check and they are refusing to do so and applying mishandling my extra payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
Attempting to garnish a second time, under mn law they are allowed to garnish for 70 days and never again. They garnished for 70 days starting XX/XX/2019 and now are attempting to do so again. The court has not cleared any such action. Sending the notice alone is a violation of FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22
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: Public record information inaccurate

Complaint:
I want all information regarding a b/k over 9 yrs ago removed from my credit reports from all three reporting agency and to be advised when done!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On or about XX/XX/2020, I called to make a payment and as I said hello, the representative ( XXXX ) said, " XXXX XXXX, '' on an open line. I'm not sure if I was interrupting her or what exactly was the issue ; however, but this is a clear violation of the FDCPA. I am behind on my account and was calling to make a payment she did give me the phone number to call but didn't give me the account number so I had to call back. When I called back I encountered, XXXX who had a defensive demeanor, he refused to provide his full name and the previous representative 's name. I can't recall if she provided it, or if I forgot because of the opening of the call. After I explained that I would be making a complaint he gave me his name and offered to transfer me and provided his name as XXXX then he gave me a Manager/Supervisor : XXXX. I spoke with XXXX and he went over my account explained that I should not fall more than 3 months behind but didn't give any information as to what would happen if I did. I currently work for the XXXX XXXX and have been since XXXX, I was receiving unemployment and that has stopped they are aware of my situation. I was placed on a 3 month hardship but it ended, I do not recall receiving a reminder that my moratorium would be ending and to begin making payments again. I do believe I'm being charged for late fees. I've had other problems with this creditor. I wanted to make this complaint to go on record about the abuse. The manager stated he would coach her ; however that doesn't resolve breaking the law.

Company response to consumer: Closed with explanation