BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
On XX/XX/2022, I applied for an increase of credit limit with Capital One, for my Saks First Credit Card. On XX/XX/2022, my request was denied. I have had an account with Capital One for over 3 years, and have never received an credit limit increase, after request were made.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27
Company: NAVY FEDERAL CREDIT UNION
State: VA
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 a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my driver 's license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within XXXX days upon receipt of this correspondence. 



I have recently obtained a copy of my credit file, and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be removed entirely and blocked from my credit file. This is not a regular dispute I have filed a complaint with the XXXX XXXX XXXX to document being a victim of identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

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 2017-08-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX XXXX, 2017 I received a letter from Bank of America saying that they were closing my account. I have had the account for the past 12 years. It is for a small XXXX that collects monetary donations for XXXX XXXX by XXXX in XXXX. Money is collected and then wired to XXXX several times each year all through this account. I called the customer service number on the letter ( XXXX ) and no one would give me a reason for the closure. I explained that I owe an explanation to our donors ( 250+ )  as to why the account is being closed. No one seems to be able to offer an explanation..

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 2022-07-06
Company: EQUIFAX, INC.
State: NC
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: Other problem getting your report or credit score

Complaint:
I pulled my XXXX  report. Looking into that after seen XXXX late payments on XXXX. I called my XXXX  where I received the loan for my car. I see XXXX say I owe XXXX, Equifax has I owe XXXX and XXXX says I owe XXXX dollars on my car loan. All info is incorrect which is messing up my credit score. I only owe XXXX. However, I have sent out to bureau and the information still shows inaccurate. Still continuing to report errors on my credit report, which is causing damage to my credit. I requested an investigation and they have failed to correct the errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
On XX/XX/2022, I applied for an increase of credit limit with Capital One, for my Capital One Platinum Credit Card. On XX/XX/2022, my request was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04
Company: Duvera Billing Services, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I purchased my credit report and I see this fraudulent account reporting. My identity was stolen and compromised. Someone used my identity to open up this account. I would like for this company to remove this account and stop reporting it on my credit report. It is hindering my life and causing emotional and mental XXXX damage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30
Company: Experian Information Solutions Inc.
State: WA
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:
All three credit bureaus continue to report a debt that was discharged in my XX/XX/XXXX Chapter XXXX Bankruptcy filing. It originally was discharged, and then on XX/XX/XXXX XXXX/XXXX  created four new account numbers and are reporting the discharged amounts as a new collection account. I have repeatedly disputed this on all 3 credit bureaus, but they are no longer correcting it and it is negatively affecting my credit score.

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 2022-02-03
Company: PLANET HOME LENDING, LLC
State: NJ
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:
Last year mortgage company Planet Home Lending put a mark on my credit, stating that my mortgage payments were delinquent. Ive contacted them PLENTY of times over the last year to correct this. Ive submitted proof of a wire transfer that wasnt marked until months later. The company assumes responsibility but will not, will not correct it with the credit bureau. Weve escalated the issue is all I hear from them. Im in the process of refinancing my home and I can not do so because there is a mark on my credit report that was not my fault. In the interim, not only is planet home lending failing to update my credit with the Credit bureau, but they refused to write a detailed letter. For the last few months I have specifically requested an email and hardcopy letter stating that it was their fault that my account was delinquent for the specific months. Ive been getting the run around. On XXXX of XXXX I submitted a complaint with consumer finance and that was answered rather quickly, what is the issue with responding to a corrected letter to fix my credit?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
Company: Experian Information Solutions Inc.
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 request that these accounts formally be substantiated data conferred to the major credit bureaus for me, XXXX XXXX with respect to the unverified accounts mentioned below Since errors may be contained within in that data, I hereby request that your company collect and forward the formal validation within a month of receipt of this request. In addition please supplement with materials which verify that the account was not utilized as a profit-loss tax deduction after it was acquired. I need more than a summary one-sheet. Instead, I have demanded a substantive validation. Should you be unable to comply with my request during this reasonable period, any data disseminated from you to the major consumer reporting agencies must be considered counterfactual and may bespeak Also I have received a credit report claiming that I owe a debt to these companies yet I never seen a single letter prior to the listing of the negative items.Since this is an error I demand that you send me the following proofs. Since I had some issues of fraud I need everything double check and reinvested As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin. 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 Please send notice of a cease and desist to all creditors until documentations are properly provided. 
What would

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 2017-10-17
Company: Diversified Consultants, Inc.
State: NE
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was contacted by a debt company, Diversified Consultants, the gentleman on the line identified himself then got real aggressive as to who I was, wanting information I will never give over the phone to someone I do n't know. He mentioned I owe a debt to XXXX. I do n't owe a debt to XXXX. He got very aggressive then hung up. I called back and spoke to a woman who again, wanted all of my information, again I asked what this was in regards too, she started giving me my address, phone numbers, personal information and stated I owe a debt to XXXX from XXXX ... I 've never had a debt to XXXX. Then she provided a number we had with a business there, insisted it was filed for collections with them on XXXX-XXXX-17. I told her I would contact XXXX, she said go ahead and she too hung up on me. Then I called back three additional times asking for the address so I can send a dispute letter fearing they will try to collect something I do n't owe and from so long ago! How can I even prove I do n't owe anything???!!! With much aggression I was yelled at, asked to give my info and not given the address ... .each time I was hung up on. I did get partial recording of one of those conversations. I stated I wanted to have the mailing address and they refused to give it to me! Wow, I do n't want them messing up my credit for something that is n't valid. What do I do?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-21
Company: Prosper Marketplace, Inc.
State: MN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
On XX/XX/XXXX they went to pull their payment out it failed cause I didnt have enough funds in my account and payment was rejected. On XX/XX/XXXX Prosper said they tried to pull the funds again and that pull failed but my Bank XXXX XXXX XXXX XXXX has no record of the payment coming in. On XX/XX/XXXX I made a manual payment and it went through but has not been applied to my account see details below. I contacted prosper the phone rep gave me the run around and said I needed to bring the account current and then went on to say that they did not have payment I tried to explain that payment was sent on XX/XX/XXXX and the XXXX did not return it. I then asked for a detailed statement of all payments made they could not send one out. On XX/XX/XXXX I plan to bring the account current but the fee they are charging me on XX/XX/XXXX should not be applied and that payment I have sent them on XX/XX/XXXX needs to be found and applied to my account ASAP. No one with prosper this far has been able to tell me where the funds went. The XX/XX/XXXX payment was made directly to Prosper using their AP where did the funds go. Prosper Transaction information : Date Amount Principal Interest Status XX/XX/XXXX ( {$420.00} ) - ( {$6.00} ) Failed XX/XX/XXXX {$420.00} {$420.00} {$6.00} Success XX/XX/XXXX ( {$420.00} ) - ( {$69.00} ) Failed XX/XX/XXXX  {$420.00} {$350.00} {$69.00} Success XXXX XXXX Transaction information : XX/XX/XXXX RETURN CHECK NSF CK NBR : XXXX RTN CK AMT : {$420.00} {$30.00} ( {$30.00} ) - payment returned and should have been XX/XX/XXXX  PROSPER MARKETPL LOAN PMT {$420.00} {$440.00} - payment made and not returned

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-03
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX I was alerted that a collection account was added to my credit report from Midland XXXX XXXX for a ( charge off ) credit card debt -- original creditor being XXXX XXXX. My credit score took a major hit as a result. 

The alleged amount owed is {$570.00}, of which I have no knowledge of. 

Midland somehow has gotten my wife 's cell phone number and they make numerous calls a day harassing her for this debt that I allegedly owe. 

We have both blocked at least 5-6 numbers from Midland to prevent the calls from going further, however they still ensue. 

I sent a dispute letter around XX/XX/XXXX asking Midland to verify this debt. I never received any validation or proof of ownership of this debt and the collection account still remains on my report as a " derogatory '' mark.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-06
Company: Experian Information Solutions Inc.
State: NC
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:
Every time I apply for credit that company reply a different score that Experian is giving them. I have an Experian account and I keep that account locked due to this issue. It seems as if Experian data base is giving a different score to the companies, indicating there might be some kind of error or fraud when it comes to my Experian account. 
Experian has reported my credit score falsely on several occasion to my loan and credit applications. I am including this one response from XXXX XXXX Bank. Experian reported to them that my score was XXXX and my Experian account had XXXX. I am trying to work on my credit which is my responsibility and Experian is not doing their job and protecting my legal rights to reporting the correct scores. I know that I can't be the only consumer having issues with Experian.

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 2017-08-21
Company: CMRE Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After reviewing a copy of my credit report, I noticed a collection five accounts placed on my credit report from CMRE. I am requesting that you allow my attorneys and I to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, my attorneys and I are allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties agency. I did not give permission to any of my current or prior medical providers to release any of my medical information and/or records to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients signed authorization. I have never given authorization to release any information in accordance to my rights under HIPAA. Therefore, my request is threefoldvalidation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Also an original copy of contract with original creditor that gives you the right to collect debt in pursuant to the FDCPA. Cease any credit bureau reporting until the debt has been validated by me and my attorneys. Also until debt can be validated by me, I am allowed under the FCRA to have any debts in relation to be removed from my reports until the items can be validated my attorneys and I. Please send this information to my address listed and accept this letter sent via the CFPB complaint portal as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting or accounts being placed with the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, attorneys will correspond back by certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I submitted my assumption application on a townhouse that my ex had lived in. He moved out at the beginning of XXXX XXXX. I started paying the mortgage on XXXX XXXX. After extensive repairs I submitted my assumption application to OCWEN mortgage company. The assumption application stated the transaction ( closing ) would take about 4 to 6 weeks. On week 6 I called for a status to be told the assumption department was running behind in its processing and it should not take long. On week 8 I called for another status and was told by the processor that the underwriter had the paper work and I should have an answer soon. I explained that I wanted to purchase another vehicle and I was waiting for the closing to go through before moving forward. The underwriter said it will not impact my credit report because it had been pulled and submitted already so it would be fine to purchase another vehicle. On week 11 I called and asked for a status on the application and the processor said he needed additional information such as where I worked, copy of pay stubs and new bank statements. All of which I had submitted before. I was promised that I would have an answer within days. On week 12 I called back again and there is no status. I have been paying the mortgage on the property since  XXXX XXXX.

Company response to consumer: Closed with explanation