BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18
Company: RoundPoint Mortgage Servicing LLC
Product: Mortgage
Sub-product: VA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Roundpoint mortgage company sold my loan to XXXX. I was never notified. For 5 months my mortgage was not paid ( it was on XXXX XXXX. I do not live in the XXXX and only found out about this when a XXXX XXXXXXXX XXXX contacted me about foreclosure. Since then, I contacted XXXX and paid the 5 months I was delinquent by phone. The very next day, and everyday since, I have tried to access XXXX XXXX website and it doesnt work. I have read tons of complaints about this company and am worried they didnt process my payment or some other shenanigans with my account. Please help. I would like to file complaints against both companies.

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 2022-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXX ( XXXX ) is using illegal debt collection tactics to try and collect debts that were previously disputed with credit bureaus and DELETED. They have constantly disregarded the consumer credit reporting act that clearly states they can not add the item back unless more documents are provided and I am notified. They haven't done either of them. On XXXX I have had them deleted over 3 times in the five months and I've lost count before that. dates are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
TransUnion dates are XX/XX/XXXX, and XX/XX/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 2021-01-19
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
The bank closed my credit card during a period in which I was experiencing great financial difficulty. I had a number of issues due to an identity compromise. This was documented ( FTC Report # XXXX, XX/XX/XXXX XXXX, and again another through the XXXX  XXXX  in XXXX ( claim # XXXX ). At this time, I fell behind on my credit card, and at 60 days late, the bank " closed '' the card. The bank has made no effort to find a fair solution to this temporary situation. 

The bank continues to accrue interest on this account as if it were an active credit card. I've been paying on this account for many years and the balance does not go down by much ( maybe a couple XXXX dollars on a {$25000.00} debt ). It is negatively affecting my ability to obtain a better credit alternative ( balance transfer ) and housing ( denied applications ) because it shows on my credit report as " over the limit balance '' even though it was under the limit when the debt was charged. 

The bank will not help come to reasonable terms in any way without further penalizing me. My credit score is dragged down that I can not secure a lower interest loan to overcome this debt. They want to close all of my credit accounts, even those that do not have any negative history, before they offer any relief to reduce the interest ( and this would be a term limited benefit at the cost of a long term credit impact ). These actions and the ensuing harm caused to me are disproportionate to a 60 day late credit payment that occurred many years ago. I feel entrapped in this situation and the business has priced this debt such that it can never be repaid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Company: Avant Holding Company, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX is trying to collect on a consumer credit transaction that I entered into with another company. They are violation my consumer right pursuant to 15 USC 1692 ( d ) ( 3 ) by listing alleged debt on my consumer report. They are also violation my rights by saying I owe a debt in the positive pursuant to 15 USC 1692e ( 2 ) ( A ). I requested XXXX XXXX XXXX to validate alleged debt pursuant to 15 USC 1692 ( g ) and they have not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: Credit Corp Solutions Inc.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 have been a victim of identity theft.

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 2019-11-22
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
First, we had many phone conversations with people from Navient to tell us what payments had been paid with Salle Mae before they took over the student loan. They never could tell us the payments. It was a loan for {$36000.00}. XXXX. But when Navient took it over, it was {$5000.00} more. We asked Navient to send a record of the payments that had been made from the beginning of the loan which was with Salle Mae in XXXX before Navient took it over in XXXX. We received a payoff adjustment form which makes no sense with no dates. This form came from XXXX XXXX XXXX XXXX in XXXX, AZ. Another issue we have is the balance on this loan seems astronomically high after paying on it for so many years. The way they figure the payments makes it difficult for one to see if the figures are correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: Experian Information Solutions Inc.
State: IN
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 delete the following information in my file. I item I need deleted is listed in the report. I am a victim of identity theft and did not make the charge. I have contacted the creditors numerous amounts of time and still have not seen a change to my report. I am asking that this information is deleted immediately considering it has been very hard getting approved for a female to to even take my daughter where need be. I reported the theft of my identity to the Federal Trade Commission and also have enclosed a copy of The Federal Trade Commissions Identity Theft Affidavit. Please delete the item as soon as possible.

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 2022-06-10
Company: EQUIFAX, INC.
State: FL
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 Reporting act XXXX  XXXX  XXXX  Account # 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: Affirm Holdings, Inc
State: TX
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:
I am a consumer and consumers have the right to privacy. Privacy is defined as the right not to have ones personal matters disclosed or publicized ; the right to be left alone. In addition to consumers having the right to privacy your company is governed by the rules of the Gramm Leach Bliley Act. The Gramm Leach Bliley Act provides that consumers of their right to opt-out if they dont want their information shared with certain nonaffiliated third parties such as credit reporting agencies. Nonpublic information is any information such as name, address etc and/or about an individual from a transaction involving payment history, loan, account number.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Company: STATE EMPLOYEES CREDIT UNION
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: Account information incorrect

Complaint:
I have sent 2 certified letters to state employees credit union requesting documents on this account which I am aloud to do and legally they have to provide. I have requested proof of all payments up to the said balance, a contract bearing my signature, proof acceleration notice and opportunity to cure and post repossession notices were sent to me. Proof of amount the car was sold for was credited to account. And proof that the gap insurance check was credited to my account. I have given them over 60 days and requested twice. They are also reporting inaccurate information and data on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
due date of the credit card is XX/XX/XXXX. I called over the phone XX/XX/XXXX and do an auto pay through my spouse account, the rep spoke to both me and my spouse and finish the auto payment, It was all set and we hang up. We were surprise when we tried to use the card to pay a restaurant bill that it got declined, we called the citi bank why our transaction got declined, the said coz we have a late fee.

I was shock to know and i told them we did set up an auto pay, they said we did not. No one from their end informed us back that our auto pay did not push thru, we have to know it when we finish eating and not be able to pay for our lunch. 
So again i have to set up and new auto pay that day XX/XX/XXXX,  after getting all the infos and a long wait, this time they acknowledge that yes, its not allowing them to set up auto pay through phone. The rep said i have to go online and register ( which i did ) and to call 2 days after tp have the fee waived.

I called today to just be rebuked blatantly. They cant do anything to waived the late fee.

{$25.00} is a very minimal amt for me to be going through all this ... but i will bacause this is unfair.

we did our part setting up for auto pay via one of their reps before the due date. They fail to notify us before the due date that it did not push through. They dont even acknowlegde it that they have failure on their part- thats what it makes more soooooo frustrating!

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 2022-06-10
Company: Self Financial Inc.
State: MS
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:
On XX/XX/XXXX I received an alert that XXXX had performed a hard inquiry on my credit account, I do not know who these people are or what this company does or how they got all my personal info. I attempted to contact this company, their phone lines aren't monitered. I emailed them and they claimed they were owned by Self. I then contacted Self Via phone and email, their phone reps said it was a mistake made by XXXX, and it was not their fault at all. THEN I contacted XXXX Via phone and XXXX, their XXXX rep confessed it was their fault, however their phone rep claims it was XXXX. So at this point I was very confused, everyone admitted it was a large mistake, they just didn't want to accept blame. 
I started to do some research, apparently this happened to a LOT of people. By this point Self and XXXX hae thid posted on their XXXX page about this, you can check them out for a better idea of how many peopls mistake affected. Today, XX/XX/XXXX XXXX has admitted fault and claims it will be removed from my account ASAP, but no one would ever tell me what they were doing with my personal information, and how they intended to use it. I understand to them it may have been a mistake, but this is my life they are playing with, Self claims it will take weeks even IF they remove it for it to fall off my account, and there's no guarantee that my credit score will recover after this is fixed. Please look into this. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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: Investigation took more than 30 days

Complaint:
TransUnion and XXXX have not deleted and removed : XXXX XXXX ( XXXX ) XXXX Bank XXXX XXXXXXXX XXXX From my account. It's been over XXXX days. 
I have supplied court ordered documentation to remove XXXX card and XXXX bank from my report. Proven fraud and acknowledged by XXXX XXXX XXXX and XXXX Bank ( documents attached ) ****XXXX is the only one that has compiled. 

Can you please help? After XXXX and with proof of fraud with a court ordered document to remove. TransUnion and XXXX continue to ignore my numerous ( in writing, online and phone ) requests for deletion.

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 2022-01-12
Company: Mr. Cooper Group Inc.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I was just told that Mr. Cooper is now servicing my mortgages I was not given any disclosures, This company has a horrible history of taken peoples homes during the foreclosure process. I do not give consent for this company to handle my home account. they have been harassing me sending me correspondences 3-4 times a week since they demanded payment. I have yet to see and paperwork transferring this loan or I have not given my consent. They have not sent me a dividend check in regard to this transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: Resurgent Capital Services L.P.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX {$450.00} LVNV Funding LLC Through XXXX  XXXX, I have opened an account through  XXXX  XXXX a day before in my life. Let alone there is another one on XX/XX/21 for {$210.00} and I have never even applied through them. I tried to explain my identity has been stolen, but I need this taken care of because it is ruining my credit badly. Never owned anything through XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28
Company: SCA Collections, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have sent written notification asking that this debt be validated not verified. I have not received a contract with my signature stating that I am responsible for this debt. I was sent a detailed summary of procedures that was rendered which is a violation of HIPPA Laws which is still not a contract baring my signature.

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 2022-06-10
Company: EQUIFAX, INC.
State: NH
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 was notified by a mortgage lender that I was impacted by a recent scoring glitch related to Equifax. I contacted Equifax to discuss this issue ( as it has impacted me financially ) and I was told we are not aware of the glitch and there is nothing we can do. I continued to ask for my call to be escalated and explained that the glitch is public knowledge and the associate could XXXX. I was put on hold and now just listening to music as I believe the associate thinks I will just drop the call. I have some serious concerns about the ( XXXX ) reports that were pulled for XXXXXXXX XXXX, XX/XX/XXXX, XX/XX/XXXX and then again in XX/XX/XXXX because of this glitch. I did finally reach Equifax customer affairs who was also not aware of the glitch. I asked if she could XXXX. She did end up finding more information and said that my mortgage lender needed to call their business office. As a consumer that was impacted by Equifaxs glitch why are they refusing to speak to me? I need to know more about the error and the large variance in my XXXX reports. I had a large decline when my XX/XX/XXXX report was pulled vs the previous reports. This glitch forced my lending company to do yet another hard pull on my report ( another financial impact ). I have worked in financial services for XXXX years so I am well aware of what impacts credit. I am building a home and have been working with a mortgage lender for over a year. No new credit was opened, no late payments, no reduced limits and only change was debt declined. I need someone at Equifax that can speak to this glitch and the impact I am seeing. I would also recommend the federal government to once again look at their policies and procedures for consumer cases. How did two customer facing Equifax employees not know about something that impacted consumers?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: WELLS FARGO & COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
In XXXX of 2021 I opened visa credit card with Wells Fargo. In promotion they promise me to give me {$200.00} cash reward if I spend {$1000.00} within 3 months. So I did. But not {$200.00} were given to me, nor even cashback that I earned using this card towards other purchases. I contacted Wells Fargo ( XXXX XXXX XXXX ) at XXXX XXXX and person ( supervisor ) XXXX XXXX don't want to talk to me, in very rude manner she trensferd me to executive office, where person named XXXX ( as she spell it to me ) after taking all my personal information simply hung up on me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18
Company: Shellpoint Partners, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Servicing on my XXXX mortgage was switched numerous times. Was assigned to New XXXX Points Mortgage # XXXX on XXXX XXXX ... ..confusing of who I was to make payments to and made XXXX payments in XXXX ... they are reposting me 30 days late in XXXX of XXXX ... ... I was under the impression no late payments can be reported to the credit bureau during the XXXX 60 days ... ... they will not cooperate with me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-22
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: Personal information incorrect

Complaint:
Today XX/XX/XXXX went online to dispute the incorrect personal information and it says This request can not be processed online

Company response to consumer: Closed with non-monetary relief