BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-06
Company: DISCOVER BANK
State: GA
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:
Discover is reporting on a debt I do not know. I did not know this debt was on my credit report. I didn't receive any letters or any communication from Discover. However, as soon as I found out i immediately paid the debt. I believe this is a violation of my 30 day right to dispute. I did not get a chance to be able to dispute this debt or settle with them before it was put on my credit report for lack of communication from them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''

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 2022-03-15
Company: JPMORGAN CHASE & CO.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I do not own a Phone and Chase Bank wants to send me a Text Message to Verify my Identity I'm XXXX and do not use a Phone and I cant afford Phone XXXX XXXX XXXX all need a $ 5000 yearly international XXXX XXXX to Contact a Bank XXXX number There no Payphones

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2015-07-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card
Issue: Credit determination

Complaint:
On or around XXXX XXXX, 2015, I applied for the Capital One credit card directly through their website ( www.capitalone.com ). I carefully read through the disclosures and compared each card 's fees and APR rates before making a selection. I chose the " Capital One Platinum card '', because it was being marketed as " annual percentage rate 0 % ( APR ) for purchases for the first year and no annual fee ''. I was immediately approved for a {$3000.00} credit limit. On or about XXXX XXXX, I used the card to pay my rent of {$800.00}. On XXXX XXXX I paid {$150.00} toward the balance prior to the cycle ending. On or about XXXX XXXX, I called to make a payment with customer service again, but was told my payment was not due until the XXXX of each month with a min of {$25.00} due and to wait until the next billing cycle. On or about XXXX XXXX, I called customer services to make a payment and the automated system reported I owed over {$800.00} on the account with a min of {$73.00} due. I immediately spoke with a live customer service rep who reviewed the account. She reported I had a late fee, and interest on the account that has occurred from the last two months. I asked for an explanation since I applied and was approved for the 0 % APR. The representative reported " I see you did apply for the 0 % APR, but was denied ''. I asked why I had not received a statement and or other forms of verification regarding this and why was I approved for the high credit amount and not the low APR rate? I requested that I speak with a supervisor who can explain why I was not informed of this change and the fees associated with the account. After spending over an hour on the phone, with a reported supervisor he reported " Capital One ADDITIONAL DISCLOSURES & TERMS AND CONDITIONS clearly state why I was denied ''. I asked him to guide me to the exact paragraph to which he was reading from online. The supervisor outlined " With respect to this offer, I acknowledge that : Even if I am otherwise eligible for this offer, approval is based upon satisfying Capital One 's credit standards ''. I questioned what exactly the Capital One 's credit standards was and how it is used to define my creditworthiness? The supervisor easily became irritated with my request and threaten to discontinue the call and then hung up on me. I called back several minutes later with hope of someone defining the Capital One 's credit standards. I reached another representative who was eager to find out what it meant as well. He could only confirmed that the Capital One 's credit standards is their internal underwriting policy. I fear that with such policy in place that prevents consumer 's access of making informed decision that Capital One 's credit standards is a deceptive marketing and enrollment credit lending practice. Such practices raise the alarm of unfair billing and discriminatory credit card practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: Rocket Mortgage, LLC
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I refinanced my home in XXXX of XXXX with Rocket Mortgage also known as Quicken Loans who are partners with XXXX XXXX to reduce my interest rate and to leverage my home equity to reduce the time it would take to have the PMI removed. 

At the time of refinancing with Rocket Mortgage in XXXX of XXXX, my home estimated value was {$460000.00}. Rocket Mortgage however used the XXXX value instead of the value during refinance. 

With my consistent payment on my Mortgage and the correct value of my house of about during refinance {$460000.00}, I have met all the requirements to have the PMI removed and I'm asking Rocket Mortgage and XXXX XXXX to remove the PMI from my mortgage. 

The current value of my is is now at {$560000.00} and I'm still being required to pay the PMI even though I have qualified to have the PMI removed at the much lower fair value of about {$460000.00} of my home during refinance in XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06
Company: JPMORGAN CHASE & CO.
State: NJ
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
A dispute was filled with credit card company ( Chase Freedom credit card ) on a purchase which was cancelled just after purchase of plants from nursery of XXXX XXXX - NJ, as the merchant was NOT able to provide the types and number of plants on XX/XX/XXXX rather asked to come and collect after TWO days that was XX/XX/XXXX, I said then and there that I was unable to come later on XX/XX/XXXX therefore the purchase must be cancelled. I also filed a dispute for the transaction with credit card company as well on XX/XX/XXXX. Now credit card company thinks it's a valid charge rather than telling the merchant based on the fact s ( already provided to them ) that no sale was made and no product was taken out of his farm and hence it's NOT a valid transaction. Credit card company be advised to take off entry for {$1000.00} from my CC statement being an invalid charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I sent a loan payoff payment that would have paid my capital one auto loan in full but capital one has not processed my payment yet. I have been charged additional interest and late fees. Additionally, due to the lien not being released from title, my new lien holder has also penalized me with fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-06
Company: Residential Credit Solutions, Inc.
State: NY
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
The borrower submitted a modification application through counsel on XXXX XXXX, 2015. More than five days have passed and the borrower has not yet received the notice required by XXXX XXXX Section XXXX XXXX b ) ( XXXX ) ( i ) ( B ) stating whether his loss mitigation application is complete or incomplete, and if incomplete, the additional documents and information he must submit to make the loss mitigation application complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: EQUIFAX, INC.
State: NJ
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 Report act XXXX XXXX account # XXXX has violated my rights. 15 U.S.C 1681 Section 602 A states that I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency cant furnish a account without my written permission

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27
Company: U.S. BANCORP
State: TX
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
Requested assistance with disputing a charge on XXXX/XXXX/2016, more than two months ago. 
Still have not received resolution or assistance.

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 2022-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 accordence with the Fair Credit Reporting Act : XXXX XXXX XXXX XXXX # XXXX has violated my rights. 

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

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

Company 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 2020-03-06
Company: EQUIFAX, INC.
State: GA
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:
XXXX is reporting on a debt I do not know. I did not know this debt was on my credit report. I didn't receive any letters or any communication from XXXX. However, as soon as I found out i immediately paid the debt. I believe this is a violation of my 30 day right to dispute. I did not get a chance to be able to dispute this debt or settle with them before it was put on my credit report for lack of communication from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS
Product: Credit card
Issue: APR or interest rate

Complaint:
I am writing to file a complaint about Capital One. It is regarding my account numbers ending in XXXX, XXXX, and XXXX. 
I have been an account holder of theirs since 2000. I have never paid any of the accounts late. Recently, I noticed that they increased my rate on my account ending in # XXXX to 23.15 %. They have also increased the rate on my account ending in # XXXX to 18.15 %. Both of these accounts have had balances, and they have been steadily increasing the rates on these accounts. I believe they have been doing this in a predatory manner, primarily because the accounts have balances. In comparison, my account ending in # XXXX is not in use, although it is open, and my interest rate is 10.17 %. It is also important to note that my credit bureau is in good standing, and all of my other credit cards have rates of less than 15 %. When I called Capital One to complain, I spoke with a rep named XXXX. She gave a fairly lousy excuse for the rate increase, stating prime had gone up. But she offered to lower the rate to 20.15 % for 7 months. I is also important to note that the XXXX credit cards with balances have lower cash advance rates compared to purchase rates, which makes absolutely no sense ; cash advances are a higher risk than purchases due to the nature of the transaction. Simply put, I believe they are increasing the purchase rate on my credit cards because of running balances that are not always paid in full each month. In other words, they are preying on my ability on whether I can pay the accounts off.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Capital one bank refuses to remove fraudulent inquiries related to an identity theft, that were not authorized by me there are multiple inquiries on my XXXX and XXXX XXXX credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15
Company: WELLS FARGO & COMPANY
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I called Wells Fargo in XXXX to defer my loan. They usually offer deferments in no more than 2 month lengths. I was asked to make the payment for XXXX then I would be approved. I made the payment then was told my deferment was approved for two full months and that payments would resume in XXXX. A month later, I got a letter in the mail saying I was late. I called because I was puzzled as to why I was getting this letter when my loan was in deferment status. After having to explain my story several times, I was told the deferment was canceled stating they can only give two month 's deferment in ac12 month period. I 've talked to several departments and they all refuse to help me. Instead here threatening to report me to the credit beareu and keep tacking on late fees of {$28.00} each. I was not planning on having to pay them XXXX payments of {$220.00} each and XXXX late charges ( so far ) so my XXXX payment of {$220.00} will still have me in the red and I wo n't be able to catch up for several month to a year. There 's not a lot of companies that refinance student loans. I wish I could leave XXXX afar go since they are not customer friendly and obviously do n't mind hurting their customers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-15
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I didn't authorize these Inquiries and I am not benefiting from these Inquiries. XXXX  Date of inquiry XX/XX/2021, XXXX  Date of inquiry XX/XX/2021, XXXX XXXX Date of inquiry XX/XX/2021, XXXX XXXX Date of inquiry XXXX XXXX XXXX 
XXXX XXXX  Date of inquiry XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-25
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have a XXXX mortgage with Wells Fargo. They have tried everything toforeclose on my mortgage illegally. I was denied a loan modificationseveral times. Many of my payments went unreported. 
I sent for information from them on my mortgage, they neversent anything. I filed Bankruptcy and they would not comply with thecourt. They ignored every request from the courts and from myattorney. I asked them again for a modification and they soldmy loan to XXXX XXXX XXXX XXXX XXXX XXXX LOANS

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12
Company: NAVY FEDERAL CREDIT UNION
State: DC
Product: Credit card
Issue: Other

Complaint:
I had a secured credit card with Navy Federal Credit Union ( NFCU ). I asked to close the account and use my security deposit to pay the account. NFCU did not use my security deposit to pay off the account. The account became delinquent without my knowledge. When I found out about this NFCU made me pay more money and did not remove the delinquent account from my credit file as they promised to do prior to me paying them.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-06
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
This is Not A Duplicate, XXXX XXXX I Lost My Wallet With My Bank Information In It! I reported It As Soon as I Gotten Home! Navy Federal Did Not Close My Account! On The XXXX Of XXXX {$5000.00} Dollars Was Deposited in My Account and When They Took The {$5000.00} They Took My Income tax Money from Checking and Savings Checking Navy Federal said {$570.00} They Supposed To Have Send Me and Still Have n't Receive Yet! They Have n't Credited Me With The {$1500.00} I Had In My Saving! I 'm Not Satisfied at All.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Hard inquiry from XXXX XXXX XXXX XXXX did not apply for credit, disputed with XXXX and removed from my report. 
Received a call from XXXX about an account that was being attempted to be opened. I did not try to open account. XX/XX/22. Disputed with XXXX and removed from report. 
Received a letter from XXXX denying a Credit card as i already had a credit card from XXXX XXXX did not request a new line of credit -I called chase and they listed this as fraud., XXXX did not see this on my report. 
Hard inquiry from Bank of America- I did not request a credit card from them. 

I have placed a credit freeze with all XXXX credit bureaus so that no one will be able to open credit in my name. I'm not sure what else to do. 

*i did open XXXX XXXX with XXXX XXXXThat is the only recent credit line that i applied for.

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 2022-07-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The company, Portfolio Recovery Solutions, has been making multiple calls within a day and easily goes over the maximum of 7 calls within a week. They are also trying to collect on a debt that is over 4 years, which is the statute of limitations in the state of California. I called today, XX/XX/XXXX at XXXX am XXXX, to request they cease all calls and stop pursuing collection on this expired debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-15
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Dear Sir/Madam : I am a victim of identity theft and I completed and submitted an identity theft affidavit. Also, please refrain from reporting and block all information resulting from this case pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that this information must be removed within four business days of receipt. 

I disputed this account with as fraudulent with experian and the creditor and they continue to report this charge off on my credit report. They report it back as verified but verifying an account does not prove that it is valid. 


XXXX XXXX Account number XXXX Account type Cell Phone Date opened Indicates the date an account was opened XX/XX/2018 Sincerely, 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 2022-03-15
Company: Affirm Holdings, Inc
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Have disputed with affirm back on XX/XX/24 stating order received wasnt what was ordered. Affirm has done nothing with dispute except send harassing almost daily emails stating I owe them money when on their website it says to not pay during dispute process

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: Duvera Billing Services, LLC
State: NC
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:
There are XXXX accounts on my credit report that are not mine DUVERA BILLING SERVI {$2000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$450.00} XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX {$420.00} XX/XX/XXXX XXXX {$370.00} XX/XX/XXXX XXXX {$370.00} XX/XX/XXXX

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