BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-02
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
I received a copy of my credit report and found the following items to be inaccurate ; 1 Capitol One account number XXXX has multiple inaccuracies. 1. Across the XXXX bureaus the dates of last payments received are inaccurately reported ( XXXX ) XX/XX/XXXX ( XXXX ) XX/XX/XXXX 2.Dates last active ( XXXX ) XX/XX/XXXX ( XXXX  ) XX/XX/XXXX ( XXXX  ) XX/XX/XXXX 3.XXXX  comments and acknowledges the debt as being discharged in bankruptcy. So the company has been reporting activity on a discharged debt. This is a validation of the Debt collection privacy act. By the provision of the Fair Credit reporting act I ask that this item be deleted. please reference 15 U.S. 1681s-2 ( a ) a duty of furnisher to provide accurate information. 15 U.S ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agencies if a person has been notified that such specific information is in accurate. I understand that under 15 U.SC Sec 1681 you must complete this investigation with in 30 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint:
XXXX its in collections when i paid off the phone i was not under no contract but there charging me on that back in 2012. XXXX its also in collections i paid them for 12 months after that in XX/XX/XXXX i cancelled it after the 13 month.there both in collections i try speaking to them when they call all they do is harass me saying they need there money!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Because I filed bankruptcy and included the derogatory items are already in with the bankruptcy they are shown twice in different areas and should be removed

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 2022-06-02
Company: Kelsting Group, 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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
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:
In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, also act 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 2016-08-20
Company: ZIONS BANCORPORATION
State: UT
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I visited a branch of Zion 's Bank a few months ago and received a copy of my statement. The statement had an address on it that was unfamiliar to me. The address was XXXX XXXX HOLD AT UT XXXX XXXX DO NOT MAIL. I did some research and found that the address belonged to Nevada State Bank, an affiliate of Zion 's Bank. The address involved a service called External Transfer to a Friend. I spoke to a representative from Nevada State Bank who told me there was an online account under my tax ID and name, ( along with a signature card ), at their bank. I asked if she could send me a copy of the signature card but was denied. I was not aware of any online account at this bank ( which was connected to my account at Zion XXXX Bank ), nor was I aware of any External Transfer to a Friend. I never filled out an application or signed a card for this service. I had no intention or reason to be sending money to anyone. I then sent an email to the administration of Nevada State Bank to inquire about this online account. I received a reply from them which denied any account whatsoever. I called the bank to make sure they understood what I was asking for and the representative 's reply was that her computer showed that " the records had been purged. '' I sent another email to the administration and they suggested I call Zion 's Bank. I sent an email to Zion 's Bank, they told me that the account was a trust account owned by my family and that I would have to reach the " Trustee '' of the Trust for information. They said that I was not a signer on the account. There are XXXX problems with this reply : 1 ) I was the only signer on this account, I have attached the signature card from my account at Zion 's. The card states that the bank is authorized and directed to take instructions concerning the account from myself only. 
2 ) The service External Transfer to a Friend specifically states that Business, Organization, and Trust accounts are NOT ALLOWED. 
I mentioned this in an email to Zion 's Bank and asked for a reply from them, the response was that I should seek an attorney. I should not need an attorney to get information regarding a bank account that I owned.

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 2015-09-22
Company: Blackhawk Network Holdings Inc.
State: VA
Product: Prepaid card
Sub-product: General purpose card
Issue: Managing, opening, or closing account

Complaint:
I have a paypower prepaid card. I loaded more than {$3000.00} on the card. Now they hold my money and I can not use my card. I emailed the customer service and was told that they can not locate my account. 

I called the company and was informed someone will contact me. 

I never heard back from them. 

However, they kept charging my account after cancellation ( whatever you name it ). The latest Maintenance Fee was charged on XXXX/XXXX/2015. 

This company is just a scam. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
There is a judgement pending from XXXX XXXX on my credit. This is false and needs to be removPlease have lates removed from XX/XX/XXXX-XX/XX/2010 XXXX XXXX account. Account was under bankruptcy at time of reporting.ed. There was a granted judgment reported on my report that is under bankruptcy for 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 non-monetary relief
Consumer complaint received 2017-03-07
Company: MIDCOUNTRY FINANCIAL CORP
State: IL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I have an installment loan that I have had for about 4 years now. My vehicle is being held as collateral. Heights Finance will call my phone and my place of employment up to XXXX times per day each. Often times due to only one person income I pay within 30 days of due date. My recent ACH payment has been returned after only being processed once in my bank account. XXXX XXXX from the XXXX IL Branch, contacted my place of employment and spoke with one of my co-workers which happens to be one of my employees and advised her of the amount that I was behind and that the check had been returned after the co-worker advised that if it was regarding a debt she should really contact my personal cell phone. She has also left messages threatening a judgement for being 30 days late.

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 2016-06-30
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
Spoke with a representative of the company who had a XXXX who stated I had an outstanding balance for a XXXX card, when I offered to make a payment on the account as part of a payment plan I informed the collection company that the balance was incorrect by {$400.00} + dollars and that I knew I only owed {$1000.00} and that is all I was willing to pay, The person who called me then informed me that they would sue me and threatened to have my wages garnished over the outstanding balance the person who called was very rude and made no attempts to work with me to resolve the issue, he kept trying to use intimidation to make me agree to terms of a payment I could no afford and told them I was unable to make the payment amount they wanted and would be willing to work out a better payment plan with them once the balance was corrected again several times later they threatened to sue me and take me to court

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-03
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX
Product: Credit card
Issue: Other

Complaint:
Hsbc is inaccurately reporting on my credit. It is to my understanding that how long a credit item reflects on your credit for negative reporting is determined by the date of the last activity on an account. It is a serious violation of federal and state laws to not accurately report that information. Hsbc is reporting completely different dates on all XXXX credit Bureus which was disputed and came back as reported accurate. This is a violation of my rights to have an accurate credit report and a total disregard for law.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Asst Acceptance LLC purchased my credit card debt from the XXXX XXXX XXXX XXXX. I filed bankruptcy and XXXX purchased the debt. They refused to correspond with me to send statements that the money I paid them was being applied to the debt. They also charged interest and refused to credit the payments to the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 notified TransUnion via certified mail that I am requesting the method of verification for the disputed account listed below within 15 days of the date on the letter. TransUnion has failed to acknowledge my request or to comply with my request in the time allowed. Please see letter attached that was sent to TransUnion via certified mail on XX/XX/XXXX. 
Dispute Account : XXXX XXXX Account Number : XXXXOpening Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-22
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
I received by mail a letter from Midland Credit Management Inc. that a judgement was entered against me on XXXX/XXXX/2016 for the amount of {$1700.00}. The letter reads that a judgment remains unsatisfied, and that I must disclose my finances to them. I was never served a lawsuit. I have looked up my county records, and see now prior or current lawsuits.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-19
Company: ENCORE CAPITAL GROUP INC.
State: CT
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Financed a computer with XXXX. Paid for more than half of it with monthly payments bringing the balance down to a little more than $ XXXX.Midland Funding LLC is trying to collect {$2500.00} from me. Not wanting to accept payments that I could afford. But always asking for sums of money that I could not afford. I understand that Midland purchased the debt, possibly from another collections agency that bought it from XXXX. I feel very strongly that sending a debt from {$700.00} to {$2500.00} is taking advantage, overcharging, possibly legally wrong but definitely morally wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16
Company: KEYCORP
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I had a bank account with First Niagara in XXXX, PA. I noticed around XX/XX/XXXX that a check cleared in XX/XX/XXXX for {$900.00} to my landlord. However, my rent was {$600.00}, and I had a rent receipt for a {$600.00} cash payment for XX/XX/XXXX to my landlord. I also had several fraudulent electronic charges. I was XXXX in XXXX, and had to get a XXXX in XX/XX/XXXX and do XXXX, so I was not in the condition to moniter my bank account. I spoke with the manager at the XXXX, Pa branch on XXXX XXXX, and submitted an affidavit and filed a police report for the {$900.00} check. However, the bank refused to refund it under fraud, stating that I was negligent for allowing a fraudulent check to be written and cashed. The copy of the check for {$900.00} was very obviously not in my handwriting, and the largest check that was ever written on my account was under {$150.00}. I was told I had fraud protection on the account, and would be notified if there was suspicious activity. A check that was excessively high compared to my entire account, written to someone that I never used a check for, should have flagged. My bank agreement says I have one year to report a potentially fraudulent check, and since I met that. I reported it as soon as I saw the issue. I debated with First Niagara about this issue for over one year, and ended up closing my account. I believe the check should be refunded. My agreement for my account included fraud protection, and a check that large met the criteria to be flagged according to my agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I applied for a loan with XXXX XXXX, was denied credit because my FICO score showed a pending bankruptcy with Trans union. This is incorrect! The bankruptcy is final and discharged on XXXX/XXXX/2008. I called Trans Union XXXX times! I cant understand any of them!!! Tell them to hire Americans, the ones that pay taxes in this country! They deny that it 's pending and the FICO score shows it is pending. I called FICO, they wo n't tell me nothing and tell me I have to contact the Credit Bureaus to change my FICO score. So what do! One denies the credit report and FICO wo n't give me no information! This is not right, If some organization is using a system to judge me, I should have the right to any information used on me!! I do n't know who to contact. I want my credit straightened out.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
Why is getting TransUnion to investigate something impossible? This is my 4th request sent certifeid. I do n't know why I must spend so many countless hours on this. It feels like they are n't even actaully reading my letters. 

I do not wish to file a lawsuit. 

See attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-18
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
My federal student loan is serviced by MOHELA. Six months ago, I requested a forbearance because of unemployment. The process entailed filling out and submitting XXXX forms along with documentation of unemployment. I did so, and my request was denied. MOHELA wanted a different more documentation. I initially had trouble getting additional documentation, but eventually downloaded from the website of the Texas Workforce Commission ( TWC ) a Payment List Summary. This summary contains information about when and how much I was paid in unemployment benefits. It also indicated that I had received the maximum amount, and that was ineligible to receive additional benefits. XX/XX/XXXX, MOHELA informed me that my request was denied because I had not submitted the documentation with the XXXX forms. 

I submitted a new request XX/XX/XXXX with the XXXX forms and the documentation from TWC. On XX/XX/XXXX, I was informed by MOHELA that my request was denied because TWC document was not recent enough. When I called, I was told that I would also have to register with MOHELA 's Career Services. 

This pattern indicates to me that MOHELA is unwilling to approve my forbearance. If that 's the case, then I will be very frustrated and puzzled because I have continued to make payments despite being unemployed since XX/XX/XXXX. I have used my retirement funds to meet financial obligations while I have diligently sought employment. At this point, I would like help in trying to resolve this matter with MOHELA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: Dovenmuehle Mortgage, Inc.
State: NH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XX/XX/XXXX my hours were reduced due to COVID-19. I was granted a 6 month forbearance on my FHA mortgage serviced by Dovenmuehle. I resumed payments in XXXX of XXXX. I reached out to the Loss Mitigation to select how to modify my loan and went with putting the payments at the back of the loan. When asking if there was anything to sign, I was told by the representative that he was taking care of things over the phone. I wish I knew then what I know now. 

I then received a loan modification packet, not knowing what they were I called Loss Mitigation again. They said not to worry about it and I could toss it. I then received two more loan modification packets. I started to get nervous, I signed all 3 packets and had them notarized and sent them back, this all happened in XX/XX/XXXX. I was able to reach Loss Mitigation again to confirm receipt of the documents, they confirmed. Please note it would take multiple calls and emails in order to reach anyone to speak with. 

As mentioned, I resumed payments in XXXX in XXXX and never thought twice about it again. That was until I went to refinance my mortgage. I was asked for a loan modification document to show when the forbearance started, ended and what terms were agreed upon. The lender also needed an updated loan statement. I realized I had not seen one in a very long time, I make online payments through my bank. I reached out to Dovenmuehle 's Loss Mitigation department. This time is was even more difficult to reach someone, after much frustration I get a call back. They have no idea of what I'm talking about. I started getting mail stating I was in default, how is that even possible with a loan modification?! At the end of all of this back and forth, it has become obvious that Dovenmuehle never completed the loan modification and are showing me behind in my payments, which I am not. I'm angry that they hold my ability to refinance my home, I don't know what else I can do. They will not call me back, I haven't heard from them now for 3 weeks even thought I try every day. 

Please advise what I can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
OVER XXXX YEAR OLD ACCOUNT - CAPITAL ONE - card ending XXXX DATE : XX/XX/2020 AMOUNT : {$49.00} - XXXX XXXX ( I think this is XXXX campaign got my number from XXXX without my approval ). 

NEW CAPITAL ONE CARD - card ending XXXX. 

CARD WAS SENT BACK IN PIECES U.S.P.S. XXXX ALONG WITH DOCUMENTATION STATING THE END OF BUSINESS + OVER 100 FAXS EVERY DAY FOR A MONTH.

CRIMINALS CONTINUE TO BILL {$4.00} A MONTH + {$49.00} + INTEREST. 

PLEASE END THIS XXXX - THESE BLOOD SUCKERS HATE AMERICAN CITIZENS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
A man from Bank of America called me reporting fraud on my savings account. He pulled up all my info and told me I need to transfer my money through XXXX to take it all out so he can close my account. He knew my account information and everything and told me hed call me back with a new account after he claimed to have froze the money. I called my bank and they said it was a scam and told me they might be able to get it back after 10-45 days.

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