BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
On XXXX XXXX, 2017 I applied for a credit increase for my credit card with Capital One ending in XXXX. I was denied the credit increase with Capital One on the basis that they stated that my payment was returned. I fixed the problem immediately because I hold my credit to be a high priority. I then was told by the representative that I could apply for another card. I really did not want another credit card because the card ending in XXXX has a limit of {$2700.00}. I just wanted a {$300.00} increase. I then applied for the card and was approved for {$3000.00} the card ends in XXXX. 

I think that it is particularly strange that I just wanted a small increase from a card company whom I have had an account with for the past 7 years. I then have to apply for another card in which I am approved. My credit score goes down and I have more debt with the company. The combined total of both the cards are {$5700.00}. The interest rate is also higher than my first credit card which has an APR of 29.99 % I think that Capital One deliberately gave me the card in order for me to have more debt. This card is 10x more than what I asked for. I have a good payment history with Capital One and now I am responsible for more debt than I should have! I spoke with XXXX XXXX with the extension of XXXX only once. She said that should would call me back but she only emailed me once and called and left a message. Every time I tried to call her I received no answer!! Capital One states in their letter by XXXX XXXX that they reviewed my account and unfortunately, its not eligible for a lower APR or lower fees at this time. I really did not want the second card or burden. I feel I have been scammed by Capital One and they have not offered viable solutions to my dilemma!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/2022 but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX Balance : {$4100.00} XXXX  XXXX XXXX Balance : {$490.00} XXXX XXXX XXXX XXXX Balance : {$19000.00}

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 explanation
Consumer complaint received 2023-02-10
Company: EQUIFAX, INC.
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 information incorrect

Complaint:
My concern is that An account from the company " XXXX XXXX '' with A late payment status on XX/XX/2022 was previously removed from all XXXX credit reporting agencies the next month XX/XX/2022. But as of XX/XX/2022 the Late Payment reappeared on all XXXX credit reporting agencies without my consent, without notifying me first, and without explaining why this previously deleted item is reappearing on my credit reports. And they want to keep claiming it's been verified but not tell me how. Futhermore my concern is COMPLIANCE. They have violated COMPLIANCE. 
The credit bureaus are operating out of compliance. Due to the fact stated in the Consumer Financial Billing Act. I should be contacted before anything is placed on my credit report that has the potential to adversely affect my report. Also, I'm supposed to be contacted within 5 days before, I repeat before this is placed on my reports, to offer an explanation. In this case I was never called, emailed or received A letter. 

The Deletion changes are all documented within the cfpb database ; CFPB XXXX XXXX Responded XXXX ; " The disputed item is appearing just as you stated it should, on your current XXXX credit report. The account is being reported as never late. A credit report is being mailed to your attention for review and confirmation. '' Unquote. 

CFPB XXXX Equifax Responded XXXX On the credit report it shows, " No Delinquency, No, Never Late and Paid as agreed. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: AXOS FINANCIAL, INC.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened an account with Axos bank under a promotion XXXX in which I would receive {$300.00} if I deposited {$7000.00}. I abided by all the terms of the promotion immediately ( i.e. in XXXX ) and was waiting for the payout, when there were reports of people receiving the bonus at the end of last month. This was early, to be sure, but it was easy to tell from the reports coming out, that Axos had only paid out bonuses for the people who made deposits in XXXX, excluding people who made earlier deposits in XXXX and XXXX, even though there was nothing about this in the promotion 's terms. 

I chatted with customer service twice about this already ( XXXX XXXX on XX/XX/XXXX and XXXX XXXX XXXX on XX/XX/XXXX ) and it's clear that they are not doing anything to rectify this issue. I also sent several secure messages that went unanswered. 

Administering the bonus in this way even though they technically have more time to pay it out is prejudicial to customers who met the requirements early.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
The unverified accounts specified below continued to report on my credit report despite the previous sent letters, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus last XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated ( A ). I will take legal action against you if you do not validate these accounts. Please act in accordance to the law so that this situation can be settled quickly : DPT ED/XXXX XXXX Balance : {$310000.00} ; XXXX XXXX Balance : {$440.00} ; XXXX XXXX Balance : {$1200.00} ; XXXX XXXX Balance : {$590.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$500.00}

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 2017-04-24
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:
To Whom Thi s May C oncern : Upon reviewing my Transunion account it looks as if I have a LOT of inquires that DO NOT belong to me on my account. I even have some that show up at multiple dates. I mailed a Multiple Inquiry removal letter on  XXXX   XXXX ,  XXXX  by certified mail in order to dispute information, in regards to  XXXX  inquires, that is being reported on my credit report. They received the letter on  XXXX   XXXX ,  XXXX  and they completed the request on  XXXX   XXXX ,  XXXX .   The request that I submitted included  XXXX  inquires that were not factual and I received the same response for All inquiries, which was Inquires are a factual record of file access. If you believe this was unauthorized, please contact the creditor.   I would like for the below inquires to be deleted.     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   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   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   According to the FCRA Rules, FCRA  623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it  states that any information can be disputed and MUST be investigated and if you do not investigate ANS respond, the CRA must delete the disputed information from its files.   The fact that I received a response 4 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquires on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into the original dispute for hard inquires that does not belong to me, I did not sign for anything.   This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.   Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Shellpoint has been servicing my mortgage for approximately the last two years. They have repeatedly made mistakes with the escrow payments. This is the most serious. 

1 ) They informed me that the earthquake insurance policy was paid in XXXX or XXXX. 
2 ) I found out it was not. They had never sent a check. 
3 ) XX/XX/XXXX : They sent a check to pay the insurance premium. To the wrong address. 
4 ) Week of XX/XX/XXXX : After being informed that my insurance company had not received any money, they claimed it was still in the mail and I should just wait. I told them that was not acceptable as the policy was going to be cancelled if payment was not received. At this point, I found out they had sent it to the wrong address. 
5 ) They promised me they would overnight a payment to the correct address on XX/XX/XXXX. The tracking number indicates that they provided indicates that they have not done so. Now they are saying they are still waiting for the check to be approved and the earliest it will go out will be XX/XX/XXXX. My insurance policy will be cancelled on XX/XX/XXXX. 

They have fraudulently collected money from me to pay for an insurance policy that they have not paid. 

The latest emails they sent me are attached.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01
Company: HUNTINGTON NATIONAL BANK, THE
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I was in XXXX on a business trip and went to an establishment called XXXX XXXX on XX/XX/XXXX. While I was at this club, I realized that I no longer had possession of my wallet. I looked frantically for my wallet before asking a waitress if she had seen it, she acted as though she didn't understand me. I then found the manager and asked him if anyone had turned in a wallet. He acted like he didn't understand the question, but eventually told me no wallet had been turned in. I returned to the table to find my wallet sitting in a spot that I would have noticed when I was looking, but was just relieved to find it. Upon leaving the establishment, I tried to pay for a taxi, and was told the card was declined. I checked my bank account online and realized that someone had, in multiple transactions, taken more than 6000.00 from my checking account via debit card transactions. I went back to the club to confront the manager, but he acted like nothing had happened told me that he was closing. After getting nowhere with the merchant, I contacted Huntington National Bank  customer service to dispute the transactions as fraudulent. I told them that I didn't have my wallet for an extended period of time, and that I did not authorize these charges. I said to look back in my 7 year history as customer to see that spending XXXX in a night is not something I do. I asked why my card didn't stop working to prevent further activity once I hit a certain dollar amount, and I explained that it was a foreign country. To this point, my bank has said that since the card was swiped that they will not refund the money. I am going to be unable to pay my mortgage or other household bills due to all of my liquid money being taken from me in a few short hours. I need to have this money back to take care of my family. Please help. 

Here are the transactions which all occurred in the early morning of XX/XX/18 : XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX- XXXX XXXX XXXX- XXXX XXXX XXXX- XXXX XXXX XXXX- XXXX XXXX XXXX- XXXX This was all of my liquid funds. I have never had anything like this happen to me before in 7 years with Huntington Bank. I was robbed, and up to this point, I have been treated as though I am trying to scam Huntington Bank. Again, Please Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: EQUIFAX, INC.
State: SC
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:
The unverified accounts specified below continued to report on my credit report despite the previous sent letters, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus last XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated ( A ). I will take legal action against you if you do not validate these accounts. Please act in accordance to the law so that this situation can be settled quickly : DPT EDXXXX XXXX Balance : {$310000.00} ; XX/XX/XXXX XXXX Balance : {$440.00} ; XX/XX/XXXX XXXX Balance : {$1200.00} ; XX/XX/XXXX XXXX Balance : {$590.00} ; XX/XX/XXXXXXXX Balance : {$0.00} ; XX/XX/XXXX XXXX Balance : {$500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02
Company: Mobiloans, LLC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX XXXX of XXXX also known as Mobiloans , LLC has reported a closed charge off on my credit report for XXXX. I disputed this account several times and never get any debt validation or response from them about this account they are reporting negligently. I was threatened by a customer service rep and their compliance manager that they didnt care that I was military or a federal employee and that they would keep their illegally high interest rate loan appearing in my credit report in an effort to damage my credit report and that they didnt have to abide by federal or military laws because they are a tribal lender and they only obey their tribal laws. I researched to see how many other people have had this same problem with this tribe and come to find out they are restricted and not even licensed to loan or report in several states. They arent even allowed to do business with government or military personnel because they charge illegally outrageous loan rates. Please see the consumer alert at the link below. 

XXXX XXXX XXXX-not-licensed-XXXX

Company response to consumer: Untimely response
Consumer complaint received 2022-01-17
Company: EQUIFAX, INC.
State: UT
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:
My name is XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been drawn out that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 

XXXX XXXX Balance : {$6500.00} 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 non-monetary relief
Consumer complaint received 2017-09-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX, XXXX and Equifax continues to report XXXX XXXX account # XXXX as derogatory. This account is part of a XXXX bankruptcy ( XXXX ). 

***Negative reporting on a XXXX debt is a violation of the permanent injunction of my bankruptcy discharge. XXXX XXXX, XXXX and Equifax is violating the bankruptcy code. I am considering the possibility of re-opening my bankruptcy case for contempt action against XXXX, Equifax and XXXX. 

I am requesting that XXXX, Equifax and XXXX to CEASE and DESIST their negative reporting of XXXX XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
Company: Alliant Capital Management LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
On XXXX/XXXX/XXXX, I was again contacted at my workplace and a message left on my home phone about a online payday loan from XXXX. In this call the person identified herself as XXXX XXXX and she was contacting me about a online payday loan from XXXX and if I did n't pay the loan my employer would be contacted, debt would be added to my credit reports and a judgment would be taken against me. I informed XXXX XXXX I have asked them before, a few years ago, not to contact me ever again about this online payday loan that I have no knowledge of. XXXX XXXX told me they would continue to contact me until I paid the loan. I have had no communication of any form regarding this debt in years. The telephone number left on message was XXXX, but number on called was XXXX. XXXX XXXX stated she was with XXXX XXXX XXXX, but online the company shows to be XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01
Company: DISCOVER BANK
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In early XXXX I found out that a fraudulent account for Discover card had been opened under my personal information. I tried working it out with the bank but they did not believe that my account was fraudulent. Discover claimed that I had transferred my credit to XXXX XXXX XXXX, something that had never happened ( even fraudulently ) because when I talked to severa XXXX XXXX XXXX representatives there are no existing account under my information. I appealed to the credit bureaus : XXXX and XXXX who had told me that they will open a dispute with Discover. I received confirmation in late XXXX from XXXX and XXXX stating that the case has been successfully resolved ; Discover had removed me from their end ; it was also removed from my credit report and I received a new credit report stating that my Discover card is now closed. However about two weeks ago I received repeated phone calls from Discover asking me to pay " debt '' and that my card was never closed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-01
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Hi my is name XXXX XXXX. Im having some issues with my servicer Select Portfolio Servicing. Recently I have mailed in my for a loan modification Request for Mortgage Assistance form along with all the necessary documents that are essential to having a complete packet. I called SPS on XX/XX/XXXX at XXXX spoke with a representative asked them whats the status and they told me that they have received the complete Request for Mortgage Assistance packet and its under review but they also said that they will still continue with the foreclosure sale scheduled for XX/XX/XXXX. 

They will be violating my California Homeowners Bill of Rights Act if they proceed with the sale while having a complete full RMA packet.
They still are proceeding to sell my home. I have sent over to them a Complete RMA package and SPS even acknowledged that they have received a Full Complete RMA package. How is this possible that proceeded with a foreclosure of my home when they have a Full Complete RMA package?

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