BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
How I have been trying get this resolved for 5 years I recently sent in a ftc report to captial one they have work on timely matter to help me and delete the tradeline that Im not responsible for. Account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act XXXX Account : XXXX XXXX XXXX XXXX XXXX - XX/XX/22 - {$900.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/22 - {$230.00} XXXX XXXX XXXXXXXX - XX/XX/22 - {$170.00} XXXXXXXX XXXXXXXX XXXXXXXX - XX/XX/22 - {$180.00} has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-07
Company: BARCLAYS BANK DELAWARE
State: HI
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I am writing to describe unfair and deceptive practices exhibited by Barclaycard and XXXX in their handling of the XXXX XXXX XXXX. My father, XXXX XXXX recently received his renewal notice informing him of the {$89.00} annual fee. See attached. In XXXX, he will be XXXX years old, and no longer wishes to maintain his card. In fact, in XXXX, he lost his card and his account is currently blocked to prevent possible fraud. 

The instructions on the letter is to call the XXXX number if he wishes to cancel the card. Because he has difficulty in hearing, I assisted him in calling the number. I explained the situation to the agent who insisted on speaking with my father. Although he could communicate his desire to close the card, ID 'd him by name birthdate and zipcode, that was not sufficient. I told the agent that they could ask me the questions, and I could communicate with him and provide further authentication, but they refused. 

I then offered the following suggestions to no avail:1. My Father could write a letter to close the card ( The should have his signature on file to compare ) 2. I could have his signature notarized. 
3. I also suggested that since this is a XXXX card product, I could bring him into a XXXX Branch to authenticate his request. ( he has ID ). 

They told me the ONLY way to cancel the card is through the phone. And if they can not identify him, they can not cancel his card. 

I sincerely believe that Barclaycard is purposely making it difficult to close the account simply to obtain the annual fee. I believe that there are many customers in this situation that are being held hostage, and end up paying the annual fee. Truly a deceptive practice.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: Mediation Recovery Center
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
Just got a call on my landline on XX/XX/2022, from XXXX, calling themselves Mediation Recovery Services. Had the same message everybody else is describing. When I called back on my cell phone, I spoke with someone named XXXX, from now XXXX XX/XX/XXXX, who claimed I had an outstanding payday loan from a place called direct cash loans. To my knowledge heard of this company and haven't taken out a payday loan as of late. The last time I took one out was over 15 years ago, and to my knowledge it was taken care of. Also, in the state of Pennsylvania, there are no payday loans allowed, so I am very much questioning this. I continue to ask her questions, in particular about their address, tried to find a website, but she would give me nothing, and said they would send me something in 10 to 15 days, and hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
Hi my name is XXXX XXXX. I have never done business with XXXX  XXXX XXXX neither am I liable. I do not have a signed contract nor any type of contract with XXXX  XXXX XXXX. I have the right to demand and see the contract between XXXX  XXXX XXXX and myself! Please send the proper validation

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 2016-05-20
Company: Finance of America Holdings LLC
State: HI
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Application, originator, mortgage broker

Complaint:
Credit Denial, see XXXX/XXXX/XXXX letter attached ; based on low Appraisal, low AVMs valuations. No Adverse Action Notice sent. Communication denied. 

CFPB Dodd Frank law violations, which say regulatory violations are to be tracked and a root cause analysis done when violations are noted. 

Consumer is not allowed to question {$700.00} Report he paid for. See XXXX-page attachment, including my XXXX/XXXX/XXXX email to Lender 's President. 

Mine is a XXXX single-level home, on concrete slab foundation ; Comps XXXX and XXXX are steep XXXX-story homes, on stilts. Comp XXXX has XXXX-foot tall posts holding up living room and basement balconies ; home hangs off a narrow mountain edge. 

Calculation errors : Comp XXXX sale {>= $1,000,000} ; sold {$450.00} sf GLA, not {$730.00} sf GLA ; main floor XXXX sf, basement XXXX sf, total XXXX sf ; see Comp Comparison page. Appraiser falsely lowered my value with - {$240000.00} basement adjustment. 

See XXXX aerial of XXXX Comp XXXX, versus my level lot XXXX aerial, XXXX topo-rendering marked Comps ; attached. 

Did n't value " functional utility '', XXXX XXXX most important requirement ; XXXX is " location '' XXXX is " physical '' similarities. 

Did n't value " view '', an important buyers ' feature in XXXX XXXX XXXX XXXX XXXX ii, XXXX, XXXX homes. 

Comp Sales Time Period is to Short, using homes sold past 45 days. My XX/XX/XXXX Appraisal used 9-month old Comp. 

Lender determined Appraisal had expired ; see Letter XXXX/XXXX/XXXX, in XXXX-page attachment. 

No Expiration Date in XXXX Form XXXX XXXX XXXX Appraisals ; mine say borrower can rely on Report, and use it for another lender. XXXX/XXXX/XXXX case attached. 

Land is the value in my 40+ year old subdivision, not old homes. XXXX sf level land area, XXXX feet wide, sold {>= $1,000,000}, old XXXX-story home torn down to XXXX wall, XXXX XXXX XXXX, XXXX sf level area, balance vertical, sold {>= $1,000,000}, home torn down, XXXX XXXX XXXX. 

Lender 's appraisal management company is in violation of XX/XX/XXXX CFPB Dodd-Frank Mortgage Rules. XXXX said " we are obligated to guidelines of the Dodd Frank Act, and we are mindful not to over-impose on the appraiser independence to the point of retribution '' XXXX/XXXX/XXXX email attached, thus wo n't discuss anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I opened a credit card with Capital One and paid {$390.00} annual fee after obtaining about XXXX points abruptly Capital One closed my account without any apparent reason and cash out all my points about half of the value Week later I received a generic later with vague explanation of why they closed the account I just want to know the specific reason the account was closed and why I did not receive the full amount of my points earned Thank you for your help! 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
CFPB Write up n accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-14
Company: DISCOVER BANK
State: AZ
Product: Credit card
Issue: Rewards

Complaint:
I made a purchase of {$480.00} on XXXX XXXX, 2015 using my Discover it card with XXXX XXXX. Discover was running a promotion offering XXXX % cash back on purchases made using XXXX XXXX. Discover has not paid the XXXX % cash back that was promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: Freedom Mortgage Company
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX Customer Service Freedom Mortgage Corporation XXXX XXXX XXXX XXXX, XXXX XXXX Mt. XXXX, NJ XXXX Re : Company Response CFPB Complaint # XXXX XXXX XXXX : The response given on the interpretation of the complaint has an overlooked detail : the Supplemental Real Estate tax bill from XXXX XXXX XXXX NOT the Virginia Credit Union ) , paid in full ( {$1600.00} ) by us on XX/XX/XXXX. Even so, to avoid the inconsistencies/increment of the monthly payments, we paid {$450.00} on XX/XX/XXXX to cover any escrow shortage ( as a result, XX/XX/XXXX payment will be {$1600.00} ). We are aware of a {$1300.00} Tax Disbursement payment made on XX/XX/XXXX ( the XX/XX/XXXX Escrow Analysis shows the Projected Payments to be made on XXXX and on XXXX, {$800.00} each, respectively ). For this reason, ANOTHER escrow shortage of {$290.00} will be reflected in the subsequent payments if it is not paid immediately. As per XXXX XXXX, the Tax Disbursements payments are due in XXXX and XXXX of each year, and the Real Estate is {$0.00} per {$100.00} of assessed value as of today, XX/XX/XXXX ( any changes have to be approved by the Countys Board of Supervisors ). XXXX XXXX, amendments to this situation shall be made without delay. Thank you.

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 2020-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
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 opened an account with XXXX for cellular phone service in approximately XXXX early XXXX. The service was month to month, there was no contract and there were no phones purchased on the account. The phones were free when you switched lines. In XXXX of XXXX, I switched phone companies for a cheaper rate. XXXX continued to bill for phone service that was not received because the phones weren't even on or they charged for phones that I did not owe for. Additionally, the debt was incurred in XX/XX/XXXX and the debt date reporting has changed to now XX/XX/XXXX. The amount of XXXX is fraudulent and incorrect.

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 2017-06-27
Company: JH Portfolio Debt Equities, LLC
State: OH
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:
JH Portfolio is reporting an acct on my XXXX that I never owned. They site XXXX XXXX as the original creditor, but XXXX XXXX has verified that thy have no record of any accounts for me. I have never had an account with XXXX XXXX. I filed a police report for fraud and provided it to JH Portfolio, but they still refuse to remove the account from my credit file. The date of the XXXX XXXX account is XX/XX/XXXX, {$3200.00}.

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 2020-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
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 moved from XXXX XXXX in XXXX of 2015. When I left the complex, management said that they would keep my XXXX deposit and since there was only a month left, would not hold me to the lease. Additionally, my toddler son and spilled bleach on an area of the carpet that both maintenance and management were made aware of. Both stated that it was time for that carpet to be replaced and not to worry about it. I never heard anything from anyone at XXXX XXXX. An acquaintance whose mother works for my ex husband took a position at XXXX XXXX after I moved from complex and this person abused their power and position and created a debt that never existed. As soon as this person took a management position with XXXX XXXX, she reported an erroneous amount of XXXX to XXXX XXXX XXXX four months after I had moved. I have disputed this with the credit bureaus and every dispute simply comes back in an expedited amount of time as " complies with FCRA '' which is does not. This is harassment and fraudulent.

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 2020-04-23
Company: Experian Information Solutions Inc.
State: AR
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 the XXXX XXXX app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report.

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 2022-06-09
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are individuals applying for credit under my name without my permission. I have filed numerous police reports. I have submitted information to creditors and credit bureaus and nothing has been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
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: Information belongs to someone else

Complaint:
CFPB Write up n accordance with the Fair Credit Reporting act 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 a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-26
Company: Lendmark Financial Services
State: WV
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I took out a personal loan with Lendmark Financial Services to build my credit. All payments from this loan were made on time. At the time of the loan, I selected the insurance that if my job was lost, payments would be made. Sometime later, I increased the amount of the loan in XXXX, KY. Again, I checked the box for insurance that if I lost my job, payments would be made. All payments were made in a timely manner. In XXXX of 2015, I was laid off. Lendmark was notified and I requested that the insurance that I had taken with the loan and paid additional for, to make payments since I had lost my job, be implemented. I heard nothing from Lendmark until an amount was reported on my credit report. I have disputed this many times with the credit bureaus but again receive " complies with FCRA '' within a day or so. There isn't anyway that a thorough investigation could be done. Contracts were signed and Lendmark should have them on file or they were sold to another company. I may owe a portion of this debt but that would have to be determined from the contract and the insurance that was on the contract. XXXX XXXX is reporting XXXX due which is an incorrect amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26
Company: Resurgent Capital Services L.P.
State: WV
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I took out a personal loan with XXXX XXXX XXXX to build my credit. All payments from this loan were made on time. At the time of the loan, I selected the insurance that if my job was lost, payments would be made. Sometime later, I increased the amount of the loan in XXXX, KY. Again, I checked the box for insurance that if I lost my job, payments would be made. All payments were made in a timely manner. In XXXX of 2015, I was laid off. XXXX was notified and I requested that the insurance that I had taken with the loan and paid additional for, to make payments since I had lost my job, be implemented. I heard nothing from XXXX until an amount was reported on my credit report. I have disputed this many times with the credit bureaus but again receive " complies with FCRA '' within a day or so. There isn't anyway that a thorough investigation could be done. Contracts were signed and XXXX should have them on file or they were sold to another company. I may owe a portion of this debt but that would have to be determined from the contract and the insurance that was on the contract. LVNV Funding is reporting XXXX due which is an incorrect amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
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 XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX Account XXXX XXXXXXXX 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX XXXX XXXX  # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account XXXX XXXX XXXX XXXXXXXX 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 a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-03
Company: DISCOVER BANK
State: PR
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Submitted a fraud dispute. Company called and said they were denying my fraud dispute after the representative said " let me look at which fraud dispute we are talking about. '' First reason, XXXX disputes over the past two years. As if being a victim of fraud was my fault. 
Second reason, multiple disputes at the same merchant. Which merchant? 
Is it my concern if fraudsters go to the same establishment? 
Last " you admitted to setting up a pin number. '' Never did, and last, this is a huge disrespect and great lack of customer service. 

I have requested my account be closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hi this is XXXX XXXX. with XXXX writing wth regards to the letter I sent you last time because it seems you have not taken action. there has not been changes nor I received a response from your agency. I hope that with the help of CFPB you will take everything seriously because the errors that I was asking for you to delete was all inaccurate.

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