BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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:
In XX/XX/XXXX, my account was incorrectly reported by Capital One as being closed at my request on XX/XX/XXXX. My most current statement indicates that that the account is restricted. I disputed this report of the account closure with Capital One and the 3 credit reporting agencies. XXXX informed me that they verified this information with Capital One. Capital One suggested I contact the credit bureau. 

In addition I can't obtain a copy of what I agreed to from Capital One. The link with the agreement I entered into with Capital One in XXXX is no longer active. In one response I was told that I entered into the agreement with a third party vendor. I was later told that I entered into the agreement with Capital One and that it was a verbal agreement. If this was in fact a verbal agreement, I was overcharged on the interest rate and am entitled to a refund for overpayment. I need a straight answer from Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: Experian Information Solutions Inc.
State: KY
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:
The credit bureau Experian, XXXX  , & XXXX  has updated the following accounts on my credit profile but, they have still failed to provide me with an original signed contract with my signature on it. Under the FCRA section 609 & 611. Experian, XXXX, & XXXX  has violated my consumer rights by not adhering to the law, Section 611 ( S ) ( A ) states you are required to promptly delete all information which can not be verified. The definition of verify, according to the black law dictionary is to confirm or substantiate by oath ; to show to be true. Particularly used of making formal oath to accounts, petitions, pleadings, & other papers. Contract law states that only way to contest an affidavit is to respond another affidavit. According to the black law dictionary an affidavit, a written or a printed declaration or statement of facts, made voluntarily in confirmed by the oath or affirmation of the party making it, taken before an officer having authority to administer such oath. Experian, XXXX, & XXXX  failed to respond to my previous sworn statement if of dispute affidavit with another sworn statement of dispute affidavit which is against contract law. Also, section 605-B ( a ) block. Except as otherwise provided in the section, a consumer reporting agency shall block the reporting of any alleged identity thief, not later than 4 business days after the date of the receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity thief report ; furthermore, under the FDCPA section 809 states if the consumer notifies the debt collector in writing within the 30 day period described in subsection ( a ) of this section that the debt, or any portion thereof is disputed, or that the consumer request the name or address of the original predicator, the debt collector shall cease collection of the debt or a copy of a judgement, or name and address of the original creditor, is mailed to the consumer by the debt collection. 



I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. If the following accounts and inquiries are not deleted immediately from credit profile.

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 2019-11-26
Company: TD BANK US HOLDING COMPANY
State: CA
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:
XX/XX/2018 a fraudulent inquiry was made to my XXXX  report by TD Auto finance. I have attempted to reach this company by phone and not been successful. I have been the victim of identity theft and XXXX  has instructed me to reach out to each company, on my own to resolve this myself. I'm attaching my related police report I have made for identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-11
Company: Shellpoint Partners, LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I tried calling this Shellpoint ( NewRez ) to delay my payment and put myself in a forbearance program and connecting with the department was extremely difficult and wasn't successful in connecting with a agent.

Therefore, so between being furloughed for over 3 month and then getting XXXX  with XXXX  XXXX. I must have overlooked the payment and without being successful with connecting with an agent. After all I was also XXXX XXXX with XXXX  and wasn't in the correct state of mind will the illness. 

I called Shellpoint to explain the situation and they had no intention in helping me but I believe I was speaking with someone without the authority to help me. I was thinking surely they can see that this is a special circumstance and would be willing help. I believe in compassion and that we live in a world where empathy is something that big companies can still exercise given the correct circumstance. I do appreciate NewRez before this point they have been great to work with and extended there business to me and I will be forever grateful for this. 

I am trying to rebuild my credit in preparation for business oppurtunities. I have been able to show that I am capable of responsible credit management as reflected in my credit records. I am requesting that you give me a second chance at a positive credit rating by revising my trade line with the Credit Reporting Agencies. I sincerely hope that there is redemption at NewRez, and I beg you for such consideration. Please let me know if any additional documentation would assist in reaching a positive outcome. 

Very Hopefully, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 as well as several Data Breaches. The latest being XXXX  XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2022-07-12
Company: JPMORGAN CHASE & CO.
State: MD
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/2021 and XXXX XXXX, I filed a dispute with XXXX, XXXX and XXXX in regard to inaccurate information on my consumer report. On both occasions, I never received any correspondence from either agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22
Company: CITIBANK, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I am applying for a mortgage refinance to a lower interest rate. I have been advised that my current mortgage company, CitiMortgage, has not updated XXXX on monthly reports on my account for over a year. I have not been required to pay mortgage insurance for over a year yet XXXX states that they have not received any report of this. The required report is a ( SURF ) Servicers Reconciliation Facility report which intern updates XXXX, XXXX ( LAR ) Loan Application Register report. Multiple contacts with my current mortgage company result with, they do not know what I am talking about, they need to research this, each time I call its a different contact person and I start all over again. They keep trying to send me a " letter of authorization request '' which is not required to update Fannie Mae. The California State Attorney Generals Office has also been advised so that possible legal action may be taken. This lack of action by my current mortgage Co. will result in the loss of the lock on my interest rate for current loan that I am applying for. Can you help resolve this?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-28
Company: Consumer Adjustment Company Incorporated
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
So it is clear, this company Consumer Adjustments Co ( CACi ) has admitted to aggravated identity theft. 18 U.S. Code 1028A On 02/22/2022 I, XXXX XXXX has made a complaint to the CFPB about this company CACi.

However, the company Consumer Adjustments CO responded that 1 of the 2 accounts from them has came from XXXX XXXX XXXX, and the other from University XXXX XXXX XXXX XXXX  XXXX HIPAA Violation by the way ) they had no rights whatsoever getting my information AT ALL!!!! MANY VIOLATIONS!!! 

However, I am bringing this to the attention to CFPB to peep how this company claims that its Fraud since Ive reported them to CFPB & FTC. 

And tried to get me to sign an fraud affidavit. 

This clearly explains and expose them for fraud and aggravated identity theft because they clearly said where they got my information from and they expose them selves when they said they were sending bills to the address ( my address ) to collect the debt so you mean to tell me now yall realize yall XXXX up and trying to correct yall scamming XXXX schemes. I hope CBPF and FTC understand this and I am demanding {$1000.00} for each violation! And believe me I will get my money! CFPB will see exactly what I am saying and its facts! Yall played with the right consumer! CACi is XXXX!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: EQUIFAX, 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:
XX/XX/XXXX, I went to my local IRS office to talk about my personal incomes taxes and was advise at that time that someone from California Edd and Maryland EDD has filed unemployment under my name and social security number. California someone has collected {$12.00}, XXXX and Maryland {$11000.00}. this place in XXXX and XXXX i have attach copies of my taxes transcripts as well My reports numbers for California Edd # XXXX FTC report number # XXXX Police Report number XXXX I don't believe none of these agencies are doing anything about it IRS , and the Edd offices as well. I don't feel protected at all and i am seeking damages and the security of my personal information. I am allowing 30 days to have my credit updated, taxes updated, and I want the people who did this so i can sue them or I will come after these companies

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14
Company: CITIBANK, N.A.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On XXXX/XXXX/2016 I received an email from Citibank informing me that the checking account that I had with them for four years was being cancelled, effective XXXX/XXXX/2016. No reason was given, other than to say " Please know that this action does not reflect any dissatisfaction with you or with your relationship. '' After receiving this, I called them and was told this was a business decision from the top and could not be reviewed. Therefore, as of XXXX/XXXX/2016 I redirected all my direct deposits to a new account at another bank. As of that date there was a XXXX balance, in anticipation of the accounts closing on XXXX. On XXXX/XXXX/2016, despite the XXXX balance, Citibank paid a draft from my account to XXXX XXXX XXXX in the amount of {$94.00}. Apparently realizing their mistake on the following day, XXXX, they credited the account back {$94.00}. However, on XXXX they again paid XXXX XXXX {$94.00} from the account with no balance. The next day, XXXX, they credited the account {$94.00} again. In the meantime they assessed a returned check/NSF fee of {$34.00} on XXXX, another {$34.00} fee on XXXX, {$50.00} service charge on XXXX ( a month after the account was purportedly to close ), another overdraft fee on XXXX. After all these fees they are still showing an open account with a - {$280.00} negative overdrawn balance. On XXXX I wrote to Citi asking what was going on and why the account was still open. I requested it be zeroed out and closed, per their original email. I received a reply from XXXX XXXX XXXX, dated XXXX/XXXX/2016, in which she wrote " We are sorry to find that the account has not been closed yet, we have escalated this situation with our back office. Your account will be closed in the next few days. Please advise ( XXXX ) that you may receive a last statement proving the account closeout and the XXXX balance. '' As of this date the account remains open showing the {$280.00} overdrawn balance.

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 2022-02-28
Company: EQUIFAX, INC.
State: MI
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:
As the original creditor and natural person, I did not give these companies consent to furnish my consumer report. In order for this account to be put on my consumer report and file that means the account had to have been validated. No one but me can validate a date. Therefore, these companies are violating my rights. I have attached documents that were sent certified mail. They have yet to comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-22
Company: CITIBANK, N.A.
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
After finding my self 3 months behind on my payments I got in touch with my mortgage co. to rectify the situation and was told not to make payments and to apply for a loan modification. Following this option/answer has now put me almost five years in arrears without ever having an option to the denials afforded to me by the mortgage co. All I got was foreclosure and bankruptcy and now arrears that are beyond my financial capabilities. After filling out about XXXX loan modification packages all Citi mortgage can do is ask me to fill out another application package which will be denied again for the same reason again. Where is the other options to this situation that was caused by Cit Mortgage after I was only 3 months behind.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26
Company: Paypal Holdings, Inc
State: MH
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Hello, I am a XXXX XXXX engineer and I usually get my payment through Paypal. On XXXX XX/XX/2021, I received {$4300.00} which was held but I explained to them and sent supporting documents. On XXXX the amount was released. However, the account was permanently limited without prior notice whatsoever. Please advice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: JPMORGAN CHASE & CO.
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: Their investigation did not fix an error on your report

Complaint:
Theres a discover account on my credit report that was charged off. I had it removed from XXXX but for XXXX  and XXXX it remains. I settled the account for fraudulent charges and we agreed the account would be removed from my credit report. Theres also a chase account that was charged off for {$1400.00}. I lost my card and these charges were fraudulent but chase is holding me responsible. I have this chase account removed from XXXX but it also remains on my XXXX and XXXX  credit report. Ive tried resolving the issue with chase for over 5 years but theyre still holding me responsible for fraudulent charges

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Theres a XXXX account on my credit report that was charged off. I had it removed from XXXX but for XXXX and equifax it remains. I settled the account for fraudulent charges and we agreed the account would be removed from my credit report. Theres also a XXXX account that was charged off for {$1400.00}. I lost my card and these charges were fraudulent but XXXX is holding me responsible. I have this XXXX account removed from XXXX but it also remains on my equifax and XXXX credit report. Ive tried resolving the issue with XXXX for over XXXX years but theyre still holding me responsible for fraudulent charges

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: Nelnet, Inc.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have about {$290000.00} of student loans being serviced by Great Lakes Borrower services. Out of that {$290000.00} about {$18000.00} is accrued interest that was present before the coronavirus pandemic. The servicer is putting all accounts into an administrative forbearance in order to comply with the recently passed CARES act. 

I would like to know if the {$18000.00} of accrued interest will capitalize and be added to the principal at the end of the forbearance on XX/XX/2020. The only response that I received from them is the following : " interest MAY capitalize based on the following situations ''. It then goes on to list circumstances under which interest normally capitalizes. 

In this context, the word " may '' means absolutely nothing. I am looking for a simple YES or NO answer to a simple question. For your convenience I will ask the question again. 
Assuming I make no payments during the covid 19 forbearance, will the {$18000.00} of previously accrued interest be added to the principal balance at the end of the forbearance? 


I've been dealing with trying to get a straight answer for over a month now and am stuck with generic copy and paste replies. 

Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: Edward F Bukaty III
State: LA
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 and partners of Edward F. Bukaty III collection firm are currently reporting a collection balance of {XXXX} that was settled in full with the collection office of Edward F. Bukaty III for the amount of {XXXX} How ever ive spoken to representatives at both companies and ea. company is playing the blame game on one another... This type of unfair activity by creditors and collection companies should be recognized by agencies like your selves should be seen as CRIMINAL .... Not only is this FALSE balance reporting hurting my credit but to add injury to insult they also decided to hit my credit report with a most recent LATE PAYMENT when i honored their settlement to pay before XXXX XXXX See all Exhibits ( XXXX ). This false reporting has been an on going problem sense this collection has been PAID... This matter is ruining my XXXX and XXXX  scores ... Each time ive spoken with a representative at XXXX XXXX ive been told i need to dispute this matter or contact the collection company. Please see Exhibits as proof that this matter should not only be corrected but DELETED IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: Law Offices of Robert J. Colclough, III
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
On XX/XX/2020 The law offices of XXXX XXXX XXXX XXXX was trying to levy all of my bank accounts for the amount of {$8200.00} I don't have any knowledge of this debt and why they are tying to levy my account I want an end to this harassments from this company XXXX XXXX XXXX  Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21
Company: Experian Information Solutions Inc.
State: TX
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 reached out to both XXXX and XXXX ; I have also filed something with CFPB recently. I'd like to add to this : The account 's original Creditor is XXXX and this shows on XXXX  as XXXX, and this shows on Experian as XXXX XXXX - they both have the same account no. XXXX. However, the date of this account shows Opened as XX/XX/19 on both XXXX  and Experian -- but shows as reported to the Credit Bureau of XXXX  on XX/XX/19 and Experian on XX/XX/19. According the Fair Credit Reporting act, it is illegal to report inaccurate data -- I certainly did not open any XXXX acccounts on XX/XX/19 - for I was in the process of moving to Texas and I have XXXX  not XXXX. This is not my account.

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