BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-17
Company: Radius Global Solutions LLC
State: VA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
Central Credit Services is currently misrepresenting themselves as owners of a debt where the original creditor was XXXX XXXX XXXX XXXX XXXX. I have not received any verification that they own the debt nor did I receive a letter from them providing me notice providing me with 30 days to dispute the validity of the debt. I came to the knowledge of this misinformation when I requested a copy of my XXXX credit report. In addition, the date of delinquency is inaccurate as the account began delinquent in 2011 and the original balance is inaccurate as the debt was {$510.00}. What is more disconcerting is that this agency is claiming they owe this debt while at the same time another company called XXXX XXXX XXXX states that they own the debt. I have never received anything from Central Credit Services indicating that they are in possession of this debt. Further, the Fair Credit Reporting Act ( FCRA ) states that credit bureaus should not report inaccurate information and the Fair Debt Collections Practices Act ( FDCPA ) states that debt collectors may not use " false, deceptive or misleading representation '' to attempt to collect a debt which Central Credit Services is currently doing. This inaccurate information has caused adverse actions for me in terms of receiving credit and services. Not to mention, the embarrassment due to being denied 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 2021-08-11
Company: LD Holdings Group, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My husband was contacted by loan depot by phone rough the week of XX/XX/XXXX saying the interest rates were low and if we were interested in Refinancing.. He was in the hospital so he told the gentleman that he could not talk to him because he was under the influence of narcotics. 
On XX/XX/XXXX, around XXXX XXXX. My husband received another call for Loan Depot from XXXX. My husband said he was going to block the number what did I think. I said call him back, I check my score this morning and it was good. My husband call XXXX back and XXXX asked for my husband 's Social Security number and the gentleman told him that he did not qualify because of his XXXX salary he did not make enough to do file, but he could run my numbers. So my husband allowed me to enter the conversation with XXXX on the phone. The only reason I allowed the the gentleman to run my numbers is because I had checked my numbers that morning. I knew what my Credit Score was. I hung up from XXXX ; about XXXX XXXX cst I gave the gentleman all of the information he requested. When I gave him my birthday, he commented that I was the age of his mother. He told me that I sounded like I was his age in my XXXX 's. I sounded very young. He asked my why I wanted to refinance. I told he I was interested in paying off my loan early and reducing my payments. He said he believed that that he could get me between 2-3 % interest rate for 10 - 12 years, but we needed to act fast. He said he would call back in about an hour. XXXX called back about 75 minutes later. My husband had him on speaker phone, so my husband, my XXXX XXXX and myself could hear the conversation. He told us that my credit score was not acceptable. He said my credit score was XXXX and I needed it to be at least a XXXX. I told he I had checked that morning and I knew that my XXXX  numbers were higher. I ask how when I login to my XXXX  account my numbers were different from his, he said he did not know but those were the numbers he received. My husband and I said ok and we hung up. I went strait to my computer and check XXXX, XXXX  and XXXX  and none of my scores were in the XXXX 's. So I sent XXXX an email. Attached is the email I sent to XXXX. 

I have not heard from XXXX, his manager or anyone for Loan Depot. 

This is unacceptable. You lie about my credit score when I know them to be different. 
This is why I am filing a complaint against Loan Depot. I believe they falsified the numbers so they would not have to give me the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
On XXXX XXXX, 2015, I had made a deposit of {$55.00} at the Capital One Bank in XXXX, Md to my credit card ending in XXXX. When I returned home to check my account, my online account was restricted. I had called Capital One and they requested for me to go to the branch Capital One bank to verify my identity. I went to the bank XXXX mins after the call and done what was requested. Prior before leaving I was told that my account will be back up and running and to not worry about anything. I have repeatedly call for XXXX weeks asking what has happened to my account for them to close it. I have talked to the Capital One Fraud Supervisor who could not tell me why they close my account. They have sent me no notice of intent to close, fraud or anything of that nature. Nobody can give me an answer of why my account is restricted. It is fishy to me that my account went closed after I made a cash deposit in the bank. I am applying for mortgage next month and due to my account being restricted or closed, I can not pay down my balance to lower my utilization rate. The Fraud Supervisor told me I could still make payments but when I went to pay down on it the branch tellers told me I could n't because the account was closed due to Fraud. I am worried about my credit score and can not get any answers from no Supervisors of Capital One. All they keep saying is my account is under investigation for Fraud but they have found no Fraud on my end. So I keep asking why do my credit score has to suffer because of something they are messing up on. They can not give me a clear answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I traded my 2017 XXXX XXXX in, but Santander XXXX still posted the payment as showing negative on my credit. The dealership paid off the remaining balance on my behalf. I never missed a payment until I traded the vehicle in. They still placed the negative payment on my credit report. I need it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I received a e-mail form XXXX XXXX about a Pre-Approved loan for debt consolidation. This e-mail was sign by XXXX XXXX XXXX Loan Officer. The scam or fraud was to get money out of my account or the bank using bad checks. Union Bank XXXX Fraud Management did a XXXX investigation for the bank and fixed the blame on me but the checks went through the bank and they did not put a hold on them plus the bank do not have a system to check for a bad check. The scam was to put checks into my account and for me to return there money through XXXX. The bank close my accounts and I could not pay my bills for the month XX/XX/XXXX. I am sending you all of the information for this case so you can see if you can do anything for me. Union Bank still want me to pay {$2000.00} for XXXX checks.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: Experian Information Solutions Inc.
State: MA
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:
It seems Experian is reporting in my Credit Summary that I had 3 late payments ( see uploaded document ). My credit report ( also uploaded ) states that there were 2. On XX/XX/XXXX my Experian credit score drop 15 points due to this erroneous and damaging reporting. My XXXX  and XXXX  reports show I have an excellent credit score so Im not sure why Experian would be reporting negative information. On XX/XX/10 I submitted a dispute regarding this but it appear what I reported was ignored and the dispute closed. The negative reporting is effecting my ability to use my good credit rating to achieve employment and housing.

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 2015-05-28
Company: TD BANK US HOLDING COMPANY
State: DC
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I have never experienced a bank that " pends '' cash deposits. I made a cash deposit into my bank ( TD Bank ). The cash deposit took a day to clear. I then had a {$1500.00} check returned over a {$1.00}, although the cash deposit of {$100.00} was pending.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have disputed a charge that was paid off months ago several times through Experian and directly with XXXX XXXX XXXX. I have uploaded the letter from the law firm XXXX hired to collect the debt ( XXXX XXXX XXXX ) confirming the debt was paid in full, copies of the check and bank statements and they still have denied my disputes and will not update.

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 2016-04-22
Company: BARCLAYS BANK DELAWARE
State: PA
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
XXXX XXXX took over my US airways reward credit card. We got lots of information asking us to activate our cards with AA to receive special offers. We paid off our US airways card and did not activate the new XXXX cards because we did not want to take part in their offers. Now I am getting harassed about owing a fee on a card I do not want.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-04
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
They reported the debt on my credit report as a charge off. When I disputed it with the Credit Reporting they validated the debt. I contacted them via certified mail with a " Notice of Direct Dispute '' under FCRA 623 ( a ) ( 8 ) ( D ) and they never responded.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15
Company: BARCLAYS BANK DELAWARE
State: OK
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I disputed several inquiries both with the original company and the credit reporting agencies, none of the original companies responded to my letters. Two letters were sent 30 days apart and none responded. Credit Bureaus refusing to remove the listings.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
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: Problem with personal statement of dispute

Complaint:
Whom this may concern I have been writing, calling and crying about these so called late payments! I keep getting letters saying that its not my sending these request. I have sent my passport. my id, XXXX bill and my ssn card at this point someone can take my identity. I have asked all of the bureau 's and the department of education to provide proof of me ever being late. Please remove all late payments and change the payment status to current because of the Cares Act for my prior request has falling on death ear and this is a violation that no one seems to care about but me ...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my second dispute it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for an account with the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-08-11
Company: EQUIFAX, INC.
State: TX
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:
XXXX XXXX XXXX XXXX is in violation of my privacy rights under HIPPA Law. I have continuously asked XXXX XXXX XXXX XXXX to provide me with a signed HIPPA release and they have continuously avoided my request but have sent private information about my injury and procedure. These accounts need to be removed from my credit file immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-19
Company: SYNCHRONY FINANCIAL
State: TN
Product: Credit card
Issue: Payoff process

Complaint:
I was told that I should apply for a carecredit card by my surgery facility in order to pay for my surgery and that many patients have done it before and are happy with the decision. My surgery was in the summer of 2013 and costed {$3000.00} but now since it is past the promotional period that I was not made aware of, the interest I pay on it monthly is 26 %. That is insanely high in my opinion. So now I have almost XXXX dollars to pay and if I continue paying the minimum payment, I 'll pay it off by 2020. I feel like I was fooled into believing that this would help me pay for surgery yet it has cost me so much more money than I can afford. I 'm a college student and can barely make it financially as is, but to have this kind of financial stress on me every month is too much. 26 % interest is a crime!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card
Issue: Transaction issue

Complaint:
I recently opened an Amazon Store credit card, issued through Synchrony Bank. About a week after opening the account, I was notified by Amazon security department that my amazon account was compromised, and unauthorized purchases had taken place. They locked my account, and cancelled all unauthorized orders, which all contained e-gift cards that were claimed by people who I have never heard of. Amazon sent me an email saying all transactions were being reversed. Two weeks went by, and the orders had been cancelled but my Amazon credit card ( issued by Synchrony ) had not been refunded. I contacted amazon numerous times, and they finally told me I needed to contact Synchrony Bank to have the charges reversed. I contacted Synchrony and opened a dispute. Several weeks went by, and I never heard anything from Synchrony or Amazon. I was forced to make a payment on the account to avoid late fees and a derogatory mark on my credit report. I contacted Synchrony and was told the dispute was closed due to lack of details, but they would open the dispute again. I have no faith in this process, given I already went through it before with no results. All of the charges that amazon told me would be reversed took place on XXXX XXXX and XXXX XXXX. There were a total of XXXX charges, totalling {$4000.00}

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 2015-07-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
Case id XXXX bank of americalast four : XXXX had a credit of {$190.00} on my account. I closed the account. The allegedly refunded me XXXX but only refunded me once {$190.00} ( once through ACH and once through check ). I never got the check. Because, BOFA alleged that they refunded me XXXX, they put a balance of {$190.00} on my account affecting my credit. Everytime I call BOFA, they tell me that I am correct, they never send me the check and give it 3-5 business days to correct but it has been 2 months and it never got corrected. 

To avoid affecting my credit rating, I paid them {$190.00} for the XXXX illegal charge. Now BOFA owes me {$190.00}

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I bank with Bank of America. A few weeks ago, I lost my debit card. I canceled the card on-line, and was issued another card. This card was linked to my checking account, but had a different card number than the lost debit card. A few days ago, I received an email notification that XXXX XXXX, a recurring auto-debit, could not process my payment of {$19.00} because the old card number did not work. I had not given XXXX the new debit card number. However, when I checked my bank account with BOA a few days later, the {$19.00} payment had been processed. I looked at the XXXX XXXX account, and sure enough, XXXX had my new debit card on file and had charged the payment. This transaction overdrew my account, and BOA charged me {$45.00} in fees. I spoke with a phone representative of BOA who informed me that this is a common practice. If a recurring debit is denied, BOA is required to provide certain companies with the new debit card information, regardless if the account holder authorized it or not. The representative would not reverse my fees. Unsatisfied with this answer, I visited a branch location in person. The personal banker was unaware of the practice of providing a company with a new debit card number without consent, and spoke with a manager on the phone. The manager was also unaware of this practice. After much debate, the branch officer reversed the {$45.00} fees. However, he still did not believe that I had not given XXXX the new card information myself. So ... I went home and did some research. Something called XXXX Account Updater will automatically update account information- including new card numbers- without consumer knowledge. I believe this practice should not be allowed to continue, and in no way truly benefits the consumer. It is a way for big banks and big business to further make a dime of the backs of the working class. Please investigate this practice For further information, please reference : XXXXThank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: Kriya Capital, LLC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am not liable for this debt with XXXX XXXXXXXX XXXX and I do not have a contract with XXXX plus they did not provide me with the original application like I asked. 

Account No : XXXX XXXX XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 been a victim of identity theft. I recently reviewed my credit report to find request for information but this is all Fraudulent request. I have not applied to any of these places.

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 2017-01-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Credit card
Issue: Delinquent account

Complaint:
While employed by XXXX I used a company credit card for company business. I am no longer employed by them and have not been since XXXX of 2016? Bank of America is calling me every day about the company debt. I have spoken with them on the phone and I have written to them explaining I am not responsible for this debt to no avail they continue to call at least once every day.

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 2015-09-04
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
My son has a student loan with navient he requested a forbearance which was granted. However we continue to received threatening letters. My husband and I have suffered serious setbacks since I sign for this loan. We lost our home, my husband lost his job and I have had a XXXX but yet they continue to harass us. We are lucky to meet our bills and XXXX bills let alone having to worry about our low wages being garnished. Phone calls are constant to my husbands phone and he is not even on the loan. They also continue to threaten him and are reporting XXXX us to the credit bureaus which made it difficult for him getting a new job beside his age. Everytime I get XXXX of these letters my XXXX XXXX goes up. I 'm not sure what is allowed and not allowed but this harassment seems excessive. It technical in XXXX Ohio is the name of the school. Navient is the loan co. What are my options? How do I make them stop?

Company response to consumer: Closed with explanation