BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-10
Company: AMERICAN EXPRESS COMPANY
State: MO
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This is a American express card and I have never had one or applied for one I have called them 5 times trying to get to stop calls. They continue to call and harass me at work.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: ENOVA INTERNATIONAL, INC.
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
To start off. Before I applied I did call someone to go over the type of line of credit this was and the fees. However when using the product, It started adding up. I've always paid on time. I've called them recently that if it was possible to negotiate a settlement and close the account as account is too expensive for me. They said no and offered no other solutions. I then placed a review disclosing how expensive this debt is and stay clear of it. 

3 days ago or so, I receive an email stating they are changing the agreement they have with me or " amending '' a section. Stating they can cancel my account and take away my available credit if no activity within 30 days. 

I then called someone day later to confirm this and they did. I asked again if they can close this account out and settle the amount and they disagreed. I have been with them for a year. I ve made them a lot of money with little to no dent into my balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: Affirm Holdings, Inc
State: IL
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:
Affirm has put a delinquent account on my credit report that does not belong to me. I have disputed this twice and they claim the information is correct when it is not!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX  account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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 noticed a withdrawal for almost {$500.00} from my bank account ( not a Capital One bank account ). The withdrawal was made by Capital One Credit Card. Neither my wife nor I ( the only two owners on our  bank account ) has or have ever had a Capital One credit card. This is a fraudulent charge. I contacted my bank, and they were able to credit back my bank account and change my account number, as the account information appeared to have been compromised. I called Capital One, as I would like to know the name of the individual or entity whose credit card bill was paid with this fraudulent withdrawal from my bank account. I could not get through to speak to a representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-14
Company: CAVALRY INVESTMENTS, LLC
State: MO
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
On my credit report it shows that Cavalry Portfolio Svcs is a collection agency/attorney that purchased the credit card I had with XXXX XXXX XXXX. They state on the credit report that I made a payment on XX/XX/2014. I did not make a payment on XX/XX/2014. I believe they made the payment so that they could " reset '' the clock on this. I was behind in my mortgage and barely had enough to pay my current living expenses I most certainly would not have made a payment on a card that I would not be able to use. I want proof that I paid that. I know that I did n't.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: HW Holding, Inc
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt was paid about a week or so ago to Hunter Warfield via their website. It is paid and the account is settled. I would like it off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: Experian Information Solutions Inc.
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
Look XXXX  Keeps Dropping My Bank Accounts For XXXX XXXX, and XXXX  XXXX since XXXX, not getting any credit boost for paying self reporting accounts!!!!!! " keep getting errors when trying to connect financial institutions!!!!!

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 2023-07-22
Company: EQUIFAX, INC.
State: GA
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:
XX/XX/2023, at XXXX XXXX I spoke to Bankruptcy courthouse employee XXXX. I asked her does the XXXX XXXXXXXX report to credit Bureaus. She stated that the bankruptcy court does not report to credit bureaus. I asked her if I could attain documentation stating that the Bankruptcy doesnt report to credit unions. She stated she couldnt send any documentation, but it clearly states on the XXXX XXXX XXXX website that the court doesnt report to credit bureaus. The XXXX XXXXXXXX XXXX Office is not responsible for credit reports and does not provide information to credit reporting agencies. They do not report any bankruptcies to anyone So if that is the case. How did the credit bureau verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 U.S.C 1681.

15 U.S.C 1681 section 603 ( 3 ) ( E ) States : The term investigate consumer report means a consumer report or portion thereof in which information on a consumer character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my right numerous times.

The credit bureaus violated my given rights under 15 U.S.C 1681.

According to : 15 U.S.C section 602 A. States I have the right to privacy.

According to : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions.

According to : 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22
Company: Paypal Holdings, Inc
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I made a purchase on  XXXX / XXXX / 17  with  PayPal and chose the pay after delivery option. I had the money but with the seller wanted the assurance that the item would come. At the same time I was moving bank accounts to a new account. Reaching out to PayPal was futile and they restricted and locked my account. I told them not to charge the old bank but to charge the new one. They did n't listen and ended up overdrafting my account. They told me there was nothing they could do and I had to talk with my bank. I just want to pay for my item.

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 2016-01-15
Company: Advance America, Cash Advance Centers, Inc.
State: KS
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Payday Loan company continually calls my family, they have asked for them to stop calling them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: The Outsource Group, Inc
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I'm on XXXX with XXXX  XXXX and XXXX XXXX for low income. XXXX XXXX  {$1500.00} XXXX XXXX XXXX Acc # XXXX Medicredit , Inc. {$350.00} XXXX/XXXX  XXXX, XXXX  Acc # 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 2022-09-12
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I Went to apply for a credit, with one creditor and once i applied with them i had alot of unauthorized inquires. 

XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX XXXX, MI XXXX Requested On XX/XX/XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXXXXXX XXXX XXXX Location XXXX XXXX XXXX XXXX, DE XXXX Requested On XX/XX/XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, GA XXXX Requested On XX/XX/XXXX Phone ( XXXX ) XXXX Inquiry Type Individual Permissible Purpose CREDIT TRANSACTION XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX, CA XXXX Requested On XX/XX/XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX Location XXXX XXXX XXXX XXXX, IN XXXX Requested On XX/XX/XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX Requested On XX/XX/XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XXXX XXXX  Location XXXX XXXX XXXX XXXX, GA XXXX Requested On XX/XX/XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XXXX  XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Requested On XX/XX/XXXX Phone ( XXXX ) XXXX Inquiry Type Individual Permissible Purpose CREDIT TRANSACTION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: EQUIFAX, INC.
State: AL
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:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29
Company: Specialized Loan Servicing Holdings LLC
State: OR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX XXXX XXXX, Personal Representative of The Estate Of XXXX XXXX XXXX Case no XXXX Loan # XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX, As Trustee, Successor In Interest To XXXX XXXX XXXX XXXX XXXX, As Trustee, Successor By Merger To XXXX XXXX XXXX XXXX, As Trustee For XXXX XXXX XXXX XXXX I Trust XXXX, Asset-Backed Certificates, Series. and SLS Specialized Loan Servicing LLC RE : Estate of XXXX XXXX/ Deceased Please receive this written correspondence as a complaint and as a pleas for assistance to save my home. 

My mortgage servicing company Specialized Loan Servicing LLC neglected to decision my application for home modification assistance even though I have fulfilled all the underwriter request by sending a full XXXX multiple times. The first packet I sent was in XXXX 2015, receiving an verbal acknowledgment from the underwriter that all required documents were received, therefore I would have a decision within 30days. well a decision never arrived. The only documents I received were letters stating my home was going to foreclosure. 

Of course upon receiving a threatening letters rather than the promising one I was expecting. I decide to call SLS to check on the status of my loan. I was informed that my loan was assigned to different underwriter who now is in need of a XXXX application for loan modification assistance. I of course complied with there request and sent in another application in XXXX 2015 and just as the last time I followed up with SLS to confirm there was nothing else required. To my surprise my loan was not assigned to a different underwriter. At This point in my dealing with SLS I Can only assume the company and their staff is either incompetent at best or their in the business practice of intentionally neglecting to assist me with foreclosure alternative in oder to reap the benefits of foreclosing on my home therefore stripping the equity from another XXXX XXXX Family in a already gentrified community. 

As a Government agency established to protect consumers such as myself I am requesting immediate assistance with my loan modification process as well as holding all foreclosure proceedings. 

Thank you all in this important matter XXXX XXXX XXXX, Personal Representative of the Estate of XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card
Issue: Billing disputes

Complaint:
On XXXX XXXX I received a fax through my job fax machine it was for a vacation package and it stated it was through XXXX and it was also from my HR department. So I called the XXXX number on the flyer I asked them in a ton of questions I also asked if he was XXXX he told me yes he was XXXX after speaking with the man I felt comfortable I gave him my credit card over the phone I asked for confirmation he said once I sign my credit card slip I will receive my vouchers and my confirmation and all the links to pick my hotels. So i esigned the credit card statement then I got my vouchers and I also got my emails I clicked on the link when I got home and something did n't seem right I did a lot of investigating and I found out that they have reports that this was a scam I look them up and sure enough they were on the scam list I called them back the next morning and I told them that this was a scam and they hung up the phone on me, I then called back and tried to cancel they said I could not cancel my vacation package because it was Final sale. I called my credit card company Capital One they told me not to worry that they will get my money back and I will not be responsible for this they did an investigation and then I received a call that the investigation was closed and they could not retrieve my money back. After they called me and told me that I ca n't receive my money back, i called again and I told them to call on three-way with me to show them that this is a scam they said they did n't receive enough documentation but I told them that I did n't receive any documentation from the vacation all I had was what I sent them. So the people from Capital One called the vacation place, XXXX with me on 3 way she then told them that she knew this was a scam and that I need to get my money back they told her no they freaked out on her and hung the phone up on her Capital One has all that on recording and they still do n't want to pay me my money back. They told me they have to follow procedures but how can they follow procedures when they clearly heard that it was scam them self. Please do n't ever try to get a vacation package through American vacations and also be careful what Capital One tells you because they do n't really back you up

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
Recently, I received a copy of my credit report. The credit report showed a credit inquiry by the companies listed, and that I do not recall authorizing. I understand this should n't be allowed to put an inquiry on my file unless I have authorized it. I have written Capital One Bank to have the inquiry removed from my credit file, but received no response. I have sent the complaint letter certified mail but I received no response to this issue. I kindly asked the Capital One Bank to forward me documentation that I have had on file or removed it all together. The creditor did not have authorization to inquire into my credit report as a breach may have taken place and my social security # has been compromised. 

Capital One Bank did not bother to respond or provide documentation that a credit inquiry was authorized by me. I am complaining about the deceptive and unclear authorization form supposedly I received to acquire such inquiry. The creditors have ignored my challenge which I sent Certified Mail Return Receipt Requested and kept track of the time that I sent the letter. By law if the inquiring creditor does n't respond within about thirty days. I have ample grounds to demand some action. At that point, it 's almost irrelevant whether or not you authorized the inquiry. This has becomes about the creditor 's lack of response to a consumer dispute. I am holding my grounds and demanding that the inquiry be immediately removed. 


I XXXX XXXX give permission and consent to the Consumer Financial Protection Bureau to obtain all XXXX credit reports to verify credit history. 

RESOLUTION : Would be to remove the inquiry or suppress by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22
Company: Navient Solutions, LLC.
State: UT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
After  graduating  from  XXXX , Navient was supposed to consolidate my loans, they did n't. I agreed to auto payments until they took multiple payments monthly and then send delinquency notices.  XXXX  returned {$1800.00} t hat Navient had  no record. After draining my bank account I cancelled auto payment. Then  XXXX  took over my loans. While on  IBR  my payment jumped from {$70.00} to {$270.00} because my income increa sed $    XXXX  . I 'm terrified to submit my    2016  taxes because my income doubled. A rep from   XXXX   XXXX    said the DOE terms are payments are based off gross pay. I went to the site and they lied. Despite making payments,   XXXX   was STEALING from my savings. I cancelled auto pay  X /2016 but they kept stealing. I had to call my bank and make sure  XXXX  ca n't auto debit. Ive tried to disput e $    XXXX    pa id to  XXXX  because they did n't provide the program I was adamant from the beginning I wanted and I have NO degree. I try to repay, these loan providers make it nearly impossible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08
Company: 1ST ALLIANCE LENDING, LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I was laid off from my job in XX/XX/2018. I made a lump sum mortgage payment so that my next payment was due in XXXX. I had also had automatic bill pay thru my bank for my mortgage. Aside from the lump sum, the mortgage company received an extra {$500.00} in XX/XX/XXXX. Just came I still could not find a XXXX and received a notice that my payment was going up because of negative escrow. I contacted 1st alliance to see if they could that {$500.00} payment and apply it to the negative escrow. I also applied for an unployment forbearance which I was denied for because I was not 60 days late on my mortgage. 60 days is when they are able to start foreclosure proceedings. I have paind not only my mortgage on time every month, but extra as well. Since XX/XX/XXXX ( if not before ). I have been told that the supervisor is looking into where my extra {$500.00} payment went. I have called multiples times per week for the past several months and no one knows how much my payment should be. I have also been told NOT to make a payment because they were unsure of the amount. I was requested to send bank statements to show the payments, and consistently am getting emails saying the payment I set up was returned ... ..I never set up any payment because I was advised not to. They have messed up my credit, chose not to work with me and now I have no idea when or how much to pay. This has become more than a hassle. They are basically refusing to work with me and now I am in fear of losing my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: Bread Financial Holdings, Inc.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The complaint I have is with Comenity Bank, over the last three months I have requested validation on multiple occasions for debts that are listed on all three of my credit reports. I have been asking for validation of the debt, as well as evidence bearing my signature that shows I have a contractual obligation to pay Comenity Bank. I have not received any of the information that I have requested, and the negative tradelines are still listed on my credit report from all three credit reporting bureaus. 

Please HELP!!

Company response to consumer: Closed with explanation