BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-19
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: Was not notified of investigation status or results

Complaint:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted TransUnion, XXXX, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit 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 non-monetary relief
Consumer complaint received 2021-01-12
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Equifax has lowered my FICO score by 20 points to XXXX. I want to know why. I'm XXXX years old and have never missed a payment in my life. I have no debt. I've tried asking for my annual free report on line and after filling out and answering all their questions they say their unable to handle my request at this time and to call them. I call them and after answering all their questions they say I have to make my request on line.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-22
Company: Synovus Bank
State: GA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I have been XXXX by Synovus Financial on XXXX loans. Predatory loans from what I can tell. back 10 or so years I asked XXXX ( owned by Synovus ) to convert my equity line into a standard loan so that I could pay it off over time and not incur any further debt via the original equity line of credit. 

You see, the idea was to extract myself from debt so that at some point I could enjoy financial freedom. However XXXX XXXX and Synovus has mired me into a predatory loan debt trap of the likes I do n't think I have heard about previously. 



Mind you at this point in time in life I trusted bankers to not take advantage of me or others. Trusting a banker was my mistake, I trust them about as much as I trust lawyers, I have quite a few attorneys in my family and I do n't even trust them. But I digress. 



I was pushed into a note with a balloon on the end of and a somewhat higher interest rate and was told that was the only sort of loan that the bank could move me to. I honestly felt I had no choice but to do the note. When the note came due with the balloon I went down to the bank and was yet again herded into another short term loan with a balloon and a rate quite well above the going interest rates of the time. Mind you all of this time I had never missed or been late on any payments to the bank and yet was forced into a very high interest rate loan. It was only in the last 12 or so months that I had ever been late or missed a payment. 




When the XXXX loan came do along with the balloon, I was yet told I was a risk and that I would have to endure yet another short terms extremely high interest rate and that there would be no balloon this time ( just crazy high interest rates and payments ). Again, I had never missed a single payment on the previous note. 



After I received a statement a couple of months ago, I realized that I pretty much owed the bank the same amount of money that I owed 10 or so years ago, that all of the money paid into the XXXX balloon notes basically paid the interest only, and hardly ( if any ) principle. Only now in the third loan that some actual principle be paid down.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
CapitalOne sent a credit card offer addressed to a person at my business that has never been associated with either my business or address. Not only have I been here XXXX years, I also knew the people that lived here before who lived here over XXXX years. When I called their Fraud Dept, it took well over an hour to get to someone who could finally get me an answer. They said they had gotten that name from public record. When I researched the local, state, and national public records, it became abundantly clear they had willfully and intentionally lied to me about it. I can only assume this was in an attempt to cover up their continued and unchecked proliferation of identity theft. A little harsh? Perhaps not as credit card companies are by far the primary reason identity theft has become such a huge problem worldwide that has destroyed XXXX and XXXX and XXXX of lives.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had massive identity fraud happen to our bank accounts. Someone got a hold of personal information and were able to use our debit card with XXXX ( it was the last XXXX of my SS # ). They had all enough personal info to answer questions on Bank of America XXXX so they could transfer thousands of dollars to be used. We were first alerted of suspicious activity on XX/XX/XXXX when they used a mobile XXXX XXXX in a California XXXX XXXX for the amount of {$970.00}. Soon after that, they telephoned transferred {$10000.00} from my savings to checking to use the XXXX XXXX for more fraudulent activity. We were able to quickly stop this and Bank of America closed the account. They credited the account the {$970.00}. On XX/XX/XXXX, I was shocked to find out the funds were taken out of my account and the claim was denied. I reopened it after more explanation and again on XX/XX/XXXX it was denied. Bank of America has been disorganized, dysfunctional, and every single person from my local bank agent to the original person in the fraud department has quit. In the meantime, more money has been deposited into the closed bank account and it is frozen and they refuse to give me my hard earned money. They owe me {$1500.00} and I will NOT allow this bank to take it. We had to start completely over with EVERYTHING. It has taken months to fix and the fact the bank is trying to tell me it didn't look like fraud is disgusting.

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 2020-04-11
Company: Resurgent Capital Services L.P.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have no knowledge of this account. It does not belong to me. I have reached out to the credit bureaus asking to remove this collection account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card
Issue: Balance transfer

Complaint:
After talking with multiple departments to combine my capital one credit cards to lower the interest rate, today I am frustrated with a customer service rep who addresses my concerns, with " Oh my god '' after I respectfully ask to speak to a manager. I was told that I could combine my credit cards from Capital one to the lower interest rate almost 3 weeks ago and that I would receive the confirmation in the mail, today XXXX, employee ID XXXX, supervisor that informed me that nothing could be done and the previous representatives was wrong. My complaint is gross miscommunication, unprofessional behavior, failure to provide accurate information/plans a consumer can participate. Speaking to a customer in a unprofessional manner such as I was today. Totally unprofessional and uncalled.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-03-24
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX XXXX turned me over to a collection agency to collect for an insurance policy that I never purchased. The policy that I asked for a quote was for a house that I never closed on. I am receiving collection mail and phone calls stating that I owe them {$230.00} for this policy. I never purchase the house or the policy., I had asked them for a quote. A company called Credit Collection Services. Phone # XXXX, person name is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, XXXX, and Experian about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit 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 non-monetary relief
Consumer complaint received 2015-08-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Capital one makes many mistakes with my mortgage and refuse to explain their mistakes. When the consumer does find their mistake capital one refuses to correct it1/ On XXXX/XXXX/2015 balance was {$800.00}, XXXX yet despite receiving a full payment on XXXX/XXXX/2015 my balance increased to {$810000.00} by XXXX/XXXX/2015. see statements attached2/ Despite making the payments each month and capital one receiving a payment on XX/XX/2015 that was approximately one thousand dollars more than the required payment on XXXX/XXXX/2015 I was charged a late fee of {$180.00} which capital one has fraudulently refused to remove. This " fee '' was assessed a few weeks after a complaint to the CFPB against cap XXXX on a different issue. Is this how they retaliate

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19
Company: Veros Credit, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Veros credit harasses me for only being a few days late. Due to the fact that im struggling to find a job. I believe in XXXX. Because they couldnt get ahold of me. They blocked my account, so i couldn't pay online, also they threatened me saying my XXXX was going to be turned over to the dealership. For only being 1 month late. and the reason they couldn't reach me is because i changed my number. But instead of calling my wife phone, that they have on file. They started calling and harassing our references. Yes i agree that its my fault for forgetting to update my phone number. But it is their fault on why they couldnt reach me. Because they did not call my wife number that is on file. Instead, they harassed my references.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-18
Company: Udren Law Offices, P.C.
State: NJ
Product: Debt collection
Sub-product: Mortgage
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I have contacted the Udren Law Offices three times with no reply. They are proceeding with a foreclosure action in which I have not personally been served. I would like to bring this mortgage current but they will not return my calls. Unfortunately because of the lack of response from Udren, I am sure they are racking up fees to be charged to me. I do not see why I should be responsible for additional fees. Also, because of this situation I do not want to go into foreclosure. I obtained the services of a law firm of which there is no reason I had to do, but Udren does not return my law firms phone calls or correspondence either. I think Udren should be responsible for any attorney costs that I will incur because of their lack of response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
There are multiple concerns but will start with XXXX. Although XXXX XXXX XXXX took about 7 weeks for researching my case, the research proved to be inadequate. Capital One agreed that I paid for credit card protection plan for unemployment and XXXX reasons. I became unemployed.Capital One made misrepresentation of material fact by selling me products that supposed to cover credit card payments if I am unemployed XXXX. Capital One made monetary restitution but has not removed the lates. The representatives were more interested in hounding for payment instead of applying the protection benefits. 
Therefore, the issue at hand is Capital One credit Card Protection policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30
Company: Conduent Incorporated
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a letter claiming that I have unclaimed property on a debit card account thru XXXX Bank. I have never had an account with XXXX nor havei ever heard of them. They said that if I do n't contact them by XX/XX/2016 Indiana will claim the amount. I do n't know wwhat they are talking about.

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
Consumer complaint received 2016-08-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Credit card
Issue: Other

Complaint:
I am starting to be harassed by Capital One credit card collections. I do not want any harassing collection phone calls from Capital One. I want this collection action by them to cease and desist from now on. My roommate has XXXX and needs his peace and quiet from these annoying calls. Capital One has already made to harassing calls on a daily basis.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I think Capital One 360 may have experienced a large security breach and is n't disclosing to customers and investors. Somebody altered information on my account, I quickly updated my credentials to prevent further activity. After pointing out the issue that I had resolved Capital One 360 froze my accounts without warning or authorization. They are refusing to immediately unfreeeze my accounts. They are claiming they ca n't transfer my funds to my new checking account. I will not have access to any money until sometime next week. 

A lot of customers are complaining about this same thing on social media, hold times for their security department are longer than what they normally should be according to Capital One 360. This believes that the breach of my account was not an isolated incident and stems from a more broad breach of Capital One 360 that they may be hiding from customers, investors, and regulators.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19
Company: EQUIFAX, INC.
State: AL
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:
I am submitting this complaint on behalf of myself and not a third party. I XXXX XXXX XXXX am a vicitim of identity theft and I have submitted the documents as request to have these fraudulent accounts blocked and deleted according to the information I read when I filed a report on the Federal Trade Commission site. I read that once I have made the consumer reporting agencies aware of these fraud accounts they would be blocked and deleted within 4 business days well it has been more than 40days and they are still reporting these fraudelent accounts. I an a XXXX  XXXX XXXX and I suffer from XXXX and I don't need nor can I handle anymore XXXX XXXX and this is causing way too much for no reason. If people would just do their jobs and follow the Federal Law I would not be submitting yet another compliant. Is not my fault that my information was exposed in the Equifax and XXXX data breach. I did as they asked me too and now I'm the one who has to suffer, how is that fair to me? If this is not taken care of I will seek legal action because truthful speaking these consumer reporting agencies are in violation of all kinds of laws but I will save that for a later time. For now I need these fraudulent accounts deleted immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19
Company: EQUIFAX, INC.
State: PA
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:
I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX Enclosures : Social, ID, Identity Theft report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14
Company: CITIBANK, N.A.
State: CT
Product: Credit card
Issue: Billing disputes

Complaint:
I went to XXXX with my family on XX/XX/2017. A male staff member at the resort was caught by me and my XXXX year old daughter, XXXX, and he was blushing. This caused my daughter to be afraid and not want to go to the food court again. Later in the trip while I was away from her and my XXXX year old, while they were in the arcade, another man was caught standing behind her in what was an attempt to speak to her. I interjected, and the man said he " had no children or grandchildren, but it was too late to start now ''. I asked XXXX to call security and they responded that it was probably nothing and they would call security at the end of the shift and document my concerns. When I spoke to the manager at XXXX, they said that this was nothing they would apologize for. I then put in a dispute with Citibank, since the vacation was charged on my double cash card. They then came back to me and stated they wanted a letter from XXXX stating I was owed a credit. I do n't understand this.. I am disputing the bill because I did not get vacation. XXXX 's own web site shows that there are contractual rules for non-disruptive and non alarming guest behavior --. But then Citi turns around and says they want something from XXXX -- whom I clearly identified as a party that is non-apologetic -- that they want a letter from them stating I am owed a credit. This of course, will not happen because after being presented the final bill, XXXX called me to say that I owed an additional {$300.00} for purchases they missed when they gave me the final bill. And now that the dispute of {$670.00} or the {$3900.00} I charged is not going through -- and Citi wo n't assist me with it -- I am now over my credit limit. Why have a dispute group if they are just referring me back to the merchant?

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 2021-12-19
Company: Loan Science, LLC
State: IL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/2021 I sent a letter to XXXX XXXX XXXX requested a debt validation letter according to the FCRA and the FDCPA, They sent me back a correspondence on XX/XX/2021 saying they would review my request and the respond said that I made a payment on the loan but they didn't provide any other evidence or promissory or signature or anything. I sent another request on XX/XX/2021 requesting documentation and contract obligating me to pay the company, again I didn't receive the information I requested. I received an email saying that I received a promissory note on XX/XX/2021, which I didn't They also sent me about much the loan is but no proof. On XXXX XX/XX/2021, I sent a letter again stating this is my last and final time requesting debt validation on I will have to pursue with the courts and now I am waiting on a response.

Company response to consumer: Closed with explanation