BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-24
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I have contacted all three credit bureaus ( XXXX XXXX , & XXXX  ) several times ( XX/XX/21, XX/XX/21, XX/XX/21, & XX/XX/21 ) via certified mail letters disputing errors on my credit report. The one in specific that I'm complaining about is Capital One Auto Finance. It is listed as a joint account under me and my wife name. This account does not belong to us. The credit bureaus has only sent responses saying it was valid/verified with no documentation bearing our signatures. I have also reached out to Capital One Auto Finance for validation ( XX/XX/21 & XX/XX/21 ) and they sent a generic letter that it was valid and another saying we didn't provide them with enough information, when we did. This is causing emotional distress and making it difficult for us to get approved for a mortgage. We need assistance with getting this off both of our credit reports as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My home mortgage was serviced by Mr. Cooper. I was on XXXX XXXX orders for the month of XX/XX/XXXX. I requested XXXX  and XXXX  benefits from every financial institution or lender I do business with, including a XXXX  payment deferral. 

All replied back ( XXXX, XXXX, XXXX, XXXX XXXX  ) with a similar letter in accordance with the CMFFRA your payments have been deferred.Your new interest rate is 0 % and your next payment will be due X/X/X. 

At the end of the deferment period, my loans returned to their regular interest rate, with no additional chargers or deferred interest. 

Nationstar denied my XXXX payment deferral several times stating that my account was already approved for XXXX  benefits and nothing else was required. After multiple requests over a period of several months, I finally received a letter that my payment deferral had been approved as a one-time exception to their XXXX  policy, and that payments would be deferred from XXXX and that my loan maturity date had changed from XX/XX/XXXX to XX/XX/XXXX. 

Unbeknownst to me at the time, Nationstar had effected a {$5400.00} lender paid expenseagainst my loan, however it did not raise or lower my principal balance. That {$5400.00} balance was used to make payments to my account to cover principal and interest during the duration of my deferral. 

I was not aware of the charge until I paid off the mortgage loan on XX/XX/XXXX and was charged the {$5400.00} lender paid expense. I initially believed that the entirety of the {$5400.00} charge was owed to me, but after reviewing my statements, I found that those funds were used to pay towards my loan during my deferment period and I was charged {$1500.00} in interest during the deferment period. 

My issue is with the interest charged during the deferment period. Section 804 of the Military & Veterans Code states No interest shall be charged or accumulated on the principal or interest on which the payment was delayed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-21
Company: Experian Information Solutions 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:
There are currently errors on my credit report including a bankruptcy and numerous inquiries not authorized or initiated by me. This is currently hindering me from getting future credit.

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 2022-02-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/ 2022 there was complaint filed in the Circuit Court of XXXX County, WI against me for alleged amounts owed. The Plaintiff 's firm acting as a third party debt collector did not send notice or right to dispute prior to commencing suite or after a phone call was made to them on XX/XX/2022 per FDCPA rules. This is not the first time that this firm has violated my consumer rights. I was never given a right to cure pursuant to Wisconsin Consumer Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27
Company: Experian Information Solutions Inc.
State: NC
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 Consumer Reporting act XXXX XXXX XXXX XXXX  account 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 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-02-27
Company: EQUIFAX, INC.
State: NC
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 Consumer Reporting act XXXX XXXX XXXX XXXX account XXXX, has violated my ri

ghts. 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My identity was stolen in 2009 and this account, along with a few others, was opened. From what I can see on credit report, the family member who stole my identity was making payments on the account until he was put in jail. I have not benefited from this account nor have I used it. I would like the account removed from my credit bureau 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 2022-02-27
Company: Experian Information Solutions Inc.
State: NC
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 Consumer Reporting act XXXX XXXX XXXX  allege account 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 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2020-03-03
Company: Avant Credit Corporation
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Good evening, I am contacting you all to dispute the Avant Account, now handled by XXXX XXXX XXXX Ref # XXXX. I do not own this account. According to XXXX, the account was open in XX/XX/XXXX and the last payment was made on XX/XX/XXXX. I am not the owner of this account and should not owe {$5700.00} to Avant XXXX XXXX or XXXX XXXX. Supposedly, I received a court date and was sued by a previous company Avant sold the account. I currently have a fraud alert on my credit report. My police report number is Deceptive Practice Financial Identity Theft over {$300.00} # XXXX. If you all have any further questions contact me at XXXX. I attached the form I received yesterday XX/XX/XXXX.  Thank you. 

Best Regards, XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 XXXX Account # 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 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 2015-04-29
Company: U.S. BANCORP
State: PA
Product: Credit card
Issue: Billing disputes

Complaint:
I was charged for two months by XXXX that was unauthorized on a USBank secured credit card. I did not authorize XXXX XXXX to charge my credit card after XX/XX/XXXX. I paid cash for XX/XX/XXXX, and ongoing. In XX/XX/XXXX, I was charged for two months ... XX/XX/XXXX and XX/XX/XXXX, even though I was denied access to my storage unit, and the owner forbade me from accessing my property, starting on XXXX, even though his normal policy is that I am not locked out until after the XXXX of each month, and that I may still keep my bill current, as long as I pay by the XXXX of each month. On XX/XX/XXXX, the owner, XXXX XXXX denied me access to my belongings. This is in addition to locking me out on XX/XX/XXXX. When I contacted the credit card company, USBank, they told me that I still had to pay these charges. No. I had already acquired a different storage unit at another facility, starting on XX/XX/XXXX. There was no reason for me to pay for two months for no reason, especially since I did not have access to my property!!! Not only that, but I was homeless, and my blankets were in there, and I froze for most of the month of XXXX! Not only that, but since he charged my credit card for two months, I was unable to purchase a bus ticket to California, to be with my son, and rent XXXX rooms together. My credit is ruined, and I am unable to pay this amount. Not only that, but it is extremely unfair. I had told XXXX XXXX in XX/XX/XXXX, that I was unable to pay for XX/XX/XXXX, and would he help me move my stuff to another storage facility. First, he said he would move my stuff with his free truck, advertised with his business, then he offered his personal car, then he changed his mind and offered a different storage unit, free of charge for two months, then, on XX/XX/XXXX, he changed his mind altogether and stole all my stuff. Then, in XX/XX/XXXX, he charged me for two months, and said if I did n't get my stuff out immediately, that he would charge me for XX/XX/XXXX, as well. This is just crazy. I explained all this several times to US Bank, but they are still charging me, and even though I told them not to apply my deposit held in my account toward this bill, they did anyway. And they call me on average, of XXXX 's a day, including Sundays. I do not owe US Bank, nor XXXX XXXX, nor XXXX XXXX one red cent. It 's absolutely preposterous.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-27
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX and Experian have violated my rights per 15 U.S.C 1681 section 623 which states consumer reporting agencies must report accurate and true addresses.

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 2022-02-27
Company: Experian Information Solutions Inc.
State: NC
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 Consumer Reporting act XXXX allege account 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 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2015-06-01
Company: Stellar Recovery, Inc.
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
" Debt was paid '' was the most closely related option ; however, I did not pay the debt because the debt was/is not owed. The purported balance owed of {$1400.00} stems from a XXXX account bundled service plan that was never installed properly and never functional. I submitted my complaints and service issues directly to the XXXX XXXX supervisor, XXXX XXXX, who should have XXXX the account balance or directed Customer Service to do so based on the breach of contract on the part of XXXX XXXX XXXX. I have heard absolutely nothing else from XXXX or the collection agency who contacted me under XXXX weeks from the final cancellation and resolve of my account. Recently, XXXX notified me that XXXX had sold this account to said Stellar Recovery Inc which appears on my credit report ... but the initial collection agency to which XXXX sold this account was said XXXX XXXX XXXX ... Today I dropped by the XXXX XXXX XXXX XXXX branch to give them another opportunity to properly resolve this account to a XXXX balance and update these collection agencies to whom they illegally and unethically sold this account, but according to " XXXX XXXX '' - although there are innumerable service issues noted on the account from the beginning until the end and depsite the {$1400.00} being directly associated with installation and service fees, he refused to issue any credits to the account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 Consumer Reporting act XXXX XXXX allege account 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 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-02-27
Company: Experian Information Solutions Inc.
State: NC
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 Consumer Reporting act XXXX XXXX XXXX  allege account 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 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-02-27
Company: EQUIFAX, INC.
State: NC
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 Consumer Reporting act XXXX XXXX XXXX  allege account 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 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-06
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
My loan was bought out by American Education Services recently. I have XXXX loans with them ; XXXX at high interest rate, XXXX at a low interest rate. They intentionally put the extra principal amount toward the cheaper interest rate ; which is now LAW and they are legally breaking the law and STEALING from me. I should not even have to request for them to pay my loans correctly and they are mandating that I set this up with them. How many other people are they legally stealing from? They should be put out of business for this shady practice. Criminals.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-24
Company: AES/PHEAA
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I am pursuing Public Service Loan Forgiveness. There are errors with the count of qualifying payments. 
I have been making payments on my loans since XXXX of XXXX. My payments have been made automatically using

Direct Debit.

I requested one month of forbearance, XX/XX/XXXX. 
I estimate that I should have 99 qualifying payments through XXXX of XXXX I have 12 loan sequences ( LS ). 
LS

1 has 86 qualifying payments. LS 2 has 97 qualifying payments. LS 3-5 have 98 qualifying paymen
ts.

LS 6-8 have 99 qualifying payments.

LS 9-12 have 91 qualifying payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I received the prepaid card issued by Bank of America as a rebate from XXXX in XX/XX/XXXX. I lost the card and tried to report it and then realized that the card has expired and the account has been closed in XX/XX/XXXX. There were more than {$200.00} dollars in the account and I was told that the money has been forfeited and I could not get the money back. I was told that the agreement states that and the Bank would take the money when the card expires. 

I certainly did not read the agreement but it is not reasonable to take my money when I forget to use it. My understanding is that this is the money that XXXX gave to me and I deposited in Bank of America. But the bank now says that it is only my money during this specific time period. It just does not make sense to me to have such clause.

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 2017-11-17
Company: Harris & Harris, Ltd.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Few years ago I dispute a fraudulent Parking ticket due to the fact where my vehicle was parking its different from the address it shows in the parking Ticket, even I disputed the validation of the ticket with the City of XXXX XXXX, They never corrected the mistake done, Now I got a letter from one of their debt collectors threating me to intercept my tax refund, my registration place or my vehicle be towed.
I would like the Agency to stop this debt collector threats and remove any collection activity because this alleged debt its been disputed due to be a Fraudulent action. 
I 'm enclosing a signed letter to them as well their letter I received few weeks ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation