BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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: Problem with personal statement of dispute

Complaint:
On XXXX of 2019 I opened an account with Capital One, I was on time with my payments up until we had a national emergency with XXXX. I've disputed this with the credit bureaus stating they were violationg my rights on reporting negative remarks under the CARES Act. Upon further research I learned that my rights are also being violated by both the bureaus and capital one under The HEROES Act where it states that no negative remarks should be reported during The XXXX pandemic plus 120 days and that under FDCPA restrictions have been placed on debt collecting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28
Company: College Assist
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
i have repeatedly requested via phone calls and this forum for a complete breakdown and explanation of any and all payments received, fees charged, etc. on my loan.     i have received some paperwork but it does not include breakdowns nor explanations.     i 100 % disagree with the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31
Company: Big Picture Loans, LLC
State: MS
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
My loan amount was for {$600.00}, the was {$210.00} which equals to a payoff of $ XXXX.i did n't know that the APR was gon na be 786.51 % before I summit my loan, cause it does n't show you that when you apply.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: ERC
State: PA
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 did not make these charges. The items that need to be removed from my report are listed in my supporting documents. I do not know these companies. I have never done any business with this companies. These companies does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27
Company: ERC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
The company has failed to provide any type of proof that this debt even belongs to me. The company never submitted a letter or any type of notice that I a debt with the company but in the mean time the company is reporting on my credit report. Since noticing the account being reported on my credit, I have submitted a Consumer Debt Validation which I have attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-08-23
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
We paid off our Citizens Bank home equity loan in XX/XX/XXXX. We paid off our Citizens Bank HELOC in XX/XX/XXXX. Citizens Bank never sent us discharge notices. Citizens Bank never sent us the original notes stamped PAID. Citizens bank never recorded the discharges with the registry of deeds. Now, we are trying to refinance our current HELOC ( which is held by a different bank ), and we are blocked from doing so because the discharges for the previous loans were not recorded.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23
Company: ERC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
The company calling me is ERC, their phone # XXXX. They say the account is XXXX. It is a recording and they call three times a week. I have lived at the same address for 40 years and no one as every come forward, saying I owe them money. I pay all my bills off and do not owe anyone. Why have they not sent me a notice on what I owe and to whom? All I get is a recorded message. We are tried of all the phone calls ... ..Please help us ...

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 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Transunion has been doing nothing despite all the letters and complaints I have been submitting addressed to the Credit Bureaus. How many letters do I have to send? How many complaints do I have to submit? Is it not that enough proof to inform you that I am a victim of Identity theft? I am frustrated to see the Credit Bureaus stall the removal of the items I am disputing which is a clear violation of my rights under the Fair Credit Reporting Act section 606b! I have been asking proof of documents bearing my signature to prove the Credit Bureaus claims that the disputed items belong to me, and yet they sent me nothing! I have been offered help by my legal counsel to pursue legal actions but filing a lawsuit against the Credit Bureaus and sue them for the damaged taken due to theyre incompetence. I am submitting this complaint to inform the Credit Reporting Agencies that I am going to file a lawsuit against them if they still chose to not remove the disputed items from my Credit Report. I reported the theft of my identity to the Federal TradeCommission and I also have enclosed copies of the Federal Trade Commission 's IdentityTheft Report and the Police Report that I have filed on my local police department. If the Credit Bureaus do not want to be brought up to court due their willful non-compliance of the FCRA, I advise them to remove the following items completely from my Credit Report at the earliest possible time : XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-26
Company: EQUIFAX, 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 is missing that should be on the report

Complaint:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XXXX XXXX I sent {$800.00} via XXXX through my bank XXXX XXXX, to a company XXXX XXXX XXXX XXXX to purchase a Puppy. Turns out it was scam, I never got a puppy. I reported the scam to Capital One the same day when I realized I had been scammed. They said they would investigate. XX/XX/XXXX I get a decision email saying my claim was denied because there was no error. Capital One should be protecting the interests of there customers. You should not be able to be scammed using an app through your bank to another bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-18
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On XX/XX/XXXX Enhanced Recovery Company , LLC called me several times and sent a notice that I owed {$690.00} to XXXX XXXX XXXX. I had no responsibility for the debt and disputed via mail. 
I received another debt notice from Enhanced Recovery Company , LLC for {$330.00} on XX/XX/XXXX. Again, I have no responsibility for this debt and am disputing it. 
Obviously, the company is fishing for victims who will pay the debt for whatever reason. 
Can something be done to stop them? 
Thank you in advance for any help you can provide. 
XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-10
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I had a XXXX XXXX card card when I lived in Oregon for a number of years. Always paid my bill and was never late and never over the balance. I paid off the card in XX/XX/2018, it was at a XXXX balance. I was scheduled to move into a new apartment at the end of XX/XX/2018. I started to move in and was unable to due to a bug problem and it was delayed for three weeks. Since I paid of the XXXX XXXX credit card I didnt notice it missing until I received the statement and saw the changes, I reported it immediately. I wrote to the FTC, I put a freeze on my credit and I wrote a statement to XXXX XXXX. Not once did XXXX XXXX send me a an acknowledgement letter or a Declaration of fraudulent activity. My case has been investigated twice and denied twice. I asked for the proof they have that those transactions are mine and they refused and told me to submit a subpoena. I have been fighting this for almost three years, my history with them should be enough to show this was not me. I was denied my rights as a consumer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-07
Company: ERC
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I never ever applies for XXXX Cll phone or any of XXXX service I have no idea and words this Collection came from or started

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 2016-03-03
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
Rocket Mortgage / Quicken Loans gave me a Loan Estimate on XXXX XXXX which caused me to select them over other lenders and initiate my loan with them. On XXXX XXXX, 10 days into a 30 day close, so too late to start with a new lender, they dramatically raised the rate and origination charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: EQUIFAX, INC.
State: NJ
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09
Company: ERC
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I received repeated calls from a company claiming to be collecting a debt from a XXXX year old XXXX acct in the amt of {$42.00}. I asked repeatedly to send me a proof of debt or anything showing a bill where I owed. I never received anything from them but, an email with a letter attached with their company letter head and a line saying I owed them. Then during this process I moved to XXXX and started the finance process of buying a home. Due to the amount of time it takes up here to close my credit with the lender expired causing them to run it again. When they ran my credit again my score dropped XXXX points thus raising my rates because Enhanced Recovery Co. ( ERC ) reported the {$42.00} debt to the credit bureaus. I immediately called ERC and disputed the claim. They advised me that the only form of communication sent to me regarding the debt was mailed to an address I no longer live at in XXXX. I asked why they never contacted me in other ways ( phone call or email ) and they gave no explanation. They emailed me a letter ( illegal in the XXXX ) that went to the credit bureaus ( attached ) at that point requesting it be deleted from my record. At this point my mortgage has risen from {$1800.00} to {$2000.00}, up {$160.00} a month over a {$42.00} debt that no one has provided me any proof of owing. How is this legal? I close on my house in a week and XXXX XXXX has asked for a " rapid re-score '' but the timing of the credit bureaus removing is not immediate and the company that re-scores takes 3-5 days and is currently waiting on an additional verification from ERC that it was submitted for deletion? How do they get the right to verify the deletion when they received a letter from ERC but I am not provided with any verification when I request it. All of this over {$42.00}.

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 2021-08-26
Company: FIRST ADVANTAGE CORPORATION
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to pay a bill

Complaint:
On XX/XX/XXXX my account was locked due to " fraud ". I will attach the message from that as well. About 30 minutes after I answered the dm my account was locked. I have made several attempts to reach the company. My paycheck was deposited on the XX/XX/XXXX. My husband is on home dyalisis and I will attach a picture of his machine as well. 
I have not been able to pay any of my or get any of my money out. My last direct deposit was in the amount of {$230.00}. I have provided the information that the " current " company has asked for via email three times. I have had almost daily communication with someone from the support team at " current ". I have tried to comply with everything that I know to do. I have even told them that I want my money and to close my account. I also have my location on which is one of the things that " current " says will help keep your account safe which it has not. I am filling this complaint because I don't know what else to do. I feel like I will never receive any of the money on the current card and I feel like they are giving me excuses for not giving me the money I earned. I don't know what else to say except that the information that I am attaching, I wasn't so nice about it sometimes. I would NOT reccomend the " current " card to anyone! If there is any further information that you need please feel free to let me know. 
XXXX XXXX XXXX. one of the screenshots says that I'm not allowed to contact anyone else. These may not be in order and I apologize. I would like to copy all of them and send them if this is not enough information. I just want to be done with this " current '' company. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-28
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My original complaint against Experian was on XX/XX/XXXX after I pulled my credit report on XX/XX/XXXX and saw that Experian was continuing to report a negative collection account after a company has already agreed to delete the item. XXXX XXXX sent me a confirmation letter on XX/XX/XXXX confirming they had already sent the request to the credit bureaus to delete the account. Experian responded on XX/XX/XXXX and stated that the account was not reporting when in fact it was at the time of my FIRST complaint. I would like for Experian to be held accountable for falsely reporting information and comply with the companys request to remove the debt.

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 2015-12-17
Company: Northstar Location Services, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I received a call on my cell phone from Northstar Location Services out of XXXX, NY. They were attempting to contact my niece who does not live with me and with whom I have not spoken in many months. Within a minute of that call, they called her mother. They also called the landline of her Grandmother and Grandfather and both of their cell phones within minutes of the other calls. My niece did not give out our numbers as contact numbers. The debt collector told me he found our numbers by doing a search. I have never heard of all a person 's family members being called related to an adult 's debt.

Company response to consumer: Closed
Consumer complaint received 2021-08-26
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I sent in a dispute letter to the three major credit bureaus as they have a bankruptcy on my credit profile that does not belong to me. I asked how they verified the bankruptcy and they stated with XXXX XXXX and the Bankruptcy court. I then went on to verify with both sources and was told that they did not provide the credit bureaus with this information. I have documentation from both XXXX XXXX and the bankruptcy court stating that the bankruptcy is not verified or mine and the bureaus continue to report fraudulent information.

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 2016-04-07
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
SLS Loan Servicing received our second mortgage back in XXXX. It was sold many times and was originally with XXXX. It has not been paid since XXXX due to the housing crash. Due to medical financial hardship filed chapter XXXX and received a successful loan modification on the 1st mortgage. I am current with this. I sent an offer of settlement to SLS based on hardship. They said I did not need to send any hardship letter or financials. Just to write them and make an offer. I did make them an offer and I have not heard back. I would like to know if they have accepted our offer within a timely manner. I have to know if they will work with us or I will need to file chapter XXXX. All I want to know is id they accepted our offer or are they going to counter our offer. I have learned that this company is extremely difficult to work with. I have read hundreds of complaints regarding this issue with Consumer affairs. I am asking for a solution in a reasonable time.

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 2016-09-27
Company: ERC
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I cancelled XXXX over the phone and they kept my account open for an additional month while I was connected with XXXX. When I received a bill from them I told them that I had cancelled my services through them as of XXXX of 2014 but yet they still sent me bills and they turned it over to a collection agency previous collection XXXX had dismissed the bill but now I am getting bills from ENHANCED RECOVERY CORP and they also notified XXXX. If I cancel my service with their customer service, there should be no reason to pay for an additional month.

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 2018-05-27
Company: EQUIFAX, INC.
State: NJ
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:
I have written and called several times when I noticed several fraud accounts on my credit report. right now they are only showing on Equifax. I have sent in my ID Driver License with My Social Security Card. as PROOF OF ME. 

PLEASE HELP THIS IS RUINING MY LIFE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I sent in a dispute letter to the three major credit bureaus as they have a bankruptcy on my credit profile that does not belong to me. I asked how they verified the bankruptcy and they stated with XXXX XXXX and the Bankruptcy court. I then went on to verify with both sources and was told that they did not provide the credit bureaus with this information. I have documentation from both XXXX XXXX and the bankruptcy court stating that the bankruptcy is not verified or mine and the bureaus continue to report fraudulent information.

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