BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I made payment arrangements on XXXX XXXX Calls started up on XXXX XXXX I returned one call to explain payment arrangements were made. Supposedly it was n't documented correctly and she fixed it. I received another call. She said she would make sure the number was removed and it would n't be a problem again. A third call was made- again the claim that it was not documented correctly. This is harassment. I owe less than {$260.00} and said I make the payments until the debt is settled.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
I applied for a Capital One Platinum card XX/XX/XXXX and was approved for {$500.00}. The card is advertised as one for consumers with bad to good credit that need a card to bolster their credit history and score, and that 's what I did. Since XX/XX/XXXX, I have consistently requested credit limit increases, and have been denied. I have received XXXX increases in XXXX years, XXXX for {$250.00} and XXXX for {$1000.00}, the last being XX/XX/XXXX. Since then, when I request an increase, I am given various reasons for the denial and I have attached the documents. The last time I called and talked with an Account Manager, I was told that I need to use the card and then I would get an increase! I think this is totally unfair and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14
Company: American Student Assistance
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I had my student loans down to {$6000.00} 15 years ago and now my current balance is $ XXXX. These are supposed to be low cost loans but I 've been paying 8 % interest for almost 20 years, when interest rates have been at record lows! How can this be justified??

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. and In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. 
( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law. 

I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney Generals Office, and the XXXX. 
Please govern yourself accordingly. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, they have violated my rights this is the 3rd attempt not only was this collection removed multiples times it also has been re-added back after it has been removed .Now they have it being duplicated on my credit report I have the docs with proof showing this. 


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 2020-09-28
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: Credit inquiries on your report that you don't recognize

Complaint:
The purpose of this notice is to inform you that the following companies made unauthorized or fraudulently authorized inquiries on my credit report. According to the FCRA, I have the right to only have accurate information showing on my credit report. * On Equifax : *XXXX   XXXX/XXXX  XXXX XXXX, * Credit Bureau Service ( XXXX ) XX/XX/2019. These Inquiries were never requested as stated. I am not aware of these accounts/requests. I believe this to be Fraud. Please correct/delete this misleading information, and supply me with a  corrected credit report within 30 days. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-30
Company: TRANSWORLD SYSTEMS INC
State: MI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Hello, I went to XXXX in XXXX, MI. I read an article on the way XXXX defrauded student loans. I, too, was in school at that time and had XXXX of those XXXX loans. I feel that I should not have to repay the remainder of that loan based upon that lawsuit against them. My loan, no doubt, has been sold to UAS ( University Accounting Services ) LLC. The address is : XXXX, MN XXXX. Any help would greatly be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 sent letters off on XX/XX/2022. Here are my tracking numbers ( XXXX ) : XXXX. Tracking number ( XXXX ) : XXXX. Tracking number ( Transunion ) : XXXX. I want to remove personal information that I don't want on my credit report. According to the Fair Credit Reporting Act 15 USC 1681, I have the right to privacy. Also, according to 15 USC 6802, no financial institution is to share my information to third parties. 

These are clear violations of my federally protected consumer rights.

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 2022-05-24
Company: EQUIFAX, INC.
State: AR
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:
XXXX report number XXXX XXXX XXXX account number-XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXXXXXX - account XXXX XXXX U S DEPT OF EDXXXX- account # XXXX XXXX  XXXX XXXX XXXX  - account number- XXXX XXXX XXXX XXXX-account number-XXXX XXXX XXXX XXXX- account number-XXXX XXXX XXXX- account number-XXXX XXXX XXXX  account numbers- account # XXXX XXXX XXXXXXXXXXXX XXXX XXXX-account number XXXX XXXX XXXX- account number XXXX Please investigate if every piece of information is correct They violated my rights under 15 U.S.C 1681 section 604 A section 2 : the law clearly states a consumer reporting agency can not furnish a account without my written instructions They also violated my rights under 15 U.S.C 1681 SECTION 611 ( 2 ) ( A ) : the law clearly states the credit bureaus have 5 days to notify me from when they receive s my dispute They also violated my rights under 15 U.S.C 1681 SECTION 611 ( 5 ) ( A ) ( l ) ( ii ) .The law clearly states if items are found inaccurate or can not be Verified the consumer reporting shall promptly delete the information from the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-28
Company: Diversified Consultants, Inc.
State: AL
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 was called by Diversified Consultants Inc. on XXXX/XXXX/2015 and the caller received my personal address and ss # without knowing whom he was speaking to. The caller was XXXX XXXX and his manager said he was allowed to do that. Her name is XXXX XXXX. They refused to give me the companies phone number to call them back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: Experian Information Solutions Inc.
State: MI
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15USC 1681 XXXX  accounts listed below 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 




XXXX XXXX XXXX Acct. # XXXX XXXX XXXX Acct. # XXXX XXXX XXXX Acct. # XXXX XXXX. XXXX Acct. # XXXX XXXX XXXX Acct. # XXXX XXXX XXXX XXXX Acct. # XXXX XXXX XXXX XXXX Acct. # XXXX XXXX XXXX Acct. # XXXX XXXX XXXX XXXX Acct. # XXXX XXXX XXXX Acct. # XXXX XXXX XXXX XXXX  XXXX Acct. # XXXX XXXX XXXX BANKRUPTCY DISCHARGED Acct. # XXXX ( HARD INQURIES ) ( SOFT INQURIES )

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 2022-05-24
Company: EQUIFAX, INC.
State: WI
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 sent letters off on XX/XX/2022. Here are my tracking numbers ( XXXX ) : XXXX. Tracking number ( Equifax ) : XXXX. Tracking number ( XXXX ) : XXXX. I want to remove personal information that I don't want on my credit report. According to the Fair Credit Reporting Act 15 USC 1681, I have the right to privacy. Also, according to 15 USC 6802, no financial institution is to share my information to third parties. 

These are clear violations of my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-10
Company: TRANSWORLD SYSTEMS INC
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 was paid

Complaint:
I have now received XXXX letters from the Transworld Systems INC located at XXXX XXXX XXXX. XXXX, PA XXXX regarding something that I paid off 20 days ago. 

I am annoyed and frustrated that I am continuing to receive these letters even though I have confirmation from the company, XXXX, that I have paid off everything and that my remaining balance is XXXX. 

Please help me to resolve this issue. As a tax-paying citizen of the United States, I do not enjoy being harassed by companies that are preventing me from experiencing the freedom and liberty as a law-abiding citizen.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: JPMORGAN CHASE & CO.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
My mortgage closing was delayed by the inaction of JPM Chase Bank ( JPM ) in my purchase of a XXXX XXXX  from the vendor ( XXXX ). The delay on the closing occurred primarily at the hands of JPM 's inadequate attention to deadlines and misinformation given to buyer. Buyer had no part in delay, yet was subjected to added fees for lateness, extension of loan lock period, repeated appraisals, rush activity on appraisals and dis- and misinformation. 
The individuals responsible collectively abrogate responsibility and when I request an appeal, they confer with those individuals who created the problem making perhaps the biggest conflict of interest and farce possible. 
I only wish restitution for the costs incurred by JPM. I requested that and was denied. I requested consideration by XXXX  pointing that through no fault of my own I was penalized nearly {$2000.00} in late fees that were caused by JPM action or inaction. That was also denied. 
What we have here is a simple case of corporate protocol and greed working together to abuse the borrower and homeowner. The primary fault is with JPM, but the nature of the penalty assessment is owned by XXXX. 
Those penalties and associated fees should be reimbursed. 
The following is a list of the JPM culprits : XXXX XXXX Home Lending Advisor XXXX XXXX Customer Care Specialist XXXX XXXX Team Manager XXXX XXXX-Team Manager XXXX XXXX Lending Manager XXXX XXXX Senior Lending Manager

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
In XXXX XXXX XXXX and loans charged my American Express account {$450.00} without my approval they got my credit card information because I was trying to refinance my mortgage. I was going through another company called first rate mortgage who gave them my credit card information and told them to charge my card. I sent American Express the details but they kept taking quick and loan word over mine. You can check my credit report and see I pay my bills but I refuse to pay for charges I did not approve so I closed all my American Express accounts. Since than XXXX XXXX Mortgage went out of business I was approved for their loan but I cancelled it and went to another company for my mortgage. The report says American charged off {$670.00} in XXXX XXXX this was the charge {$450.00} that I disputed like 6 times and each time after about 3 months they kept putting it back on my card so i told them I was tired of dealing with them so do what you want I was not paying for something I did not charge to my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-09
Company: CIT BANK, NATIONAL ASSOCIATION
State: OK
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
When we bought this house in 1977 it was not in a flood zone. In XX/XX/2016 Freedom mtg. informed me we were in a flood zone and had " 30 '' days to get ins., my agent said he could not get the ins. that fast. I called Freedom mtg. they said they would make note of that and I said I would have a policy to them as soon as possible. They proceeded to get their ins. and said I needed to pay the premium or they would foreclose. After receiving my policy they canceled theirs, then sent a letter saying they were going to foreclose because I had n't sent them {$140.00} for the time they had placed flood ins. on our property. I paid the amount within the 35 days, in fact I still have 20 days left. I received 12 letters in 2 days saying they were going to foreclose and now they have ordered an appraisal and are going to charge me for that. They are about to drive me insane and I would never refer anyone to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09
Company: Continental Finance Company, LLC
State: NY
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I filed a complaint about my Verve credit card backed by continental finance on XX/XX/2016, complaint number XXXX. I filed the complaint because I had provided documentation supporting my fraud complaint to them directly. I reported my card stolen to them, provided the police report, and my letter of incarceration, as well as the affidavit of fraud that they requested I fill out and return. They had removed a good deal of the charges but were still trying to get me to pay {$230.00} before re-issuing me a card and stated that these were late fees. I called to check the status of my fraud complaint and they ( continental ) informed me that the account had been closed and sold into collections ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) I am beyond upset about this!!!! I feel like they are giving me the run around and sold the account to avoid resolution. I only held off on filing a complaint sooner because they acted as if they were handling this. I refuse to pay a dime, I wanted my card back!!! that had a XXXX balance at the time I XXXX ... .absolutely sick about this, hours and hours and hours spent on the phone for nothing Continental Finance 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 explanation
Consumer complaint received 2022-05-24
Company: EQUIFAX, INC.
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: Investigation took more than 30 days

Complaint:
XXXX, Equifax and XXXX have not processed my dispute in the last 50 days. They are now in violation of several different FCRA codes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Investigation took more than 30 days

Complaint:
XXXX, XXXX and TransUnion have not processed my dispute in the last 50 days. They are now in violation of several different FCRA codes.

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 2016-10-27
Company: CIT BANK, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I, XXXX XXXX XXXX am filing this complaint in order to report deed fraud against my property at XXXX XXXX XXXX, XXXX, XXXX XXXX. My mortgage was with IndyMac Loan Services and I started a Loan Modification process with them over 5years ago because my financial status changed and Indymac assured me that if I filled out their Loan Modification application along with my hardship letter and other requested documents that they would help me figure out a solution or give me other options. However, IndyMac never completed my Loan Modification and took a very long time in the process and never communicated with me on the status of my loan modification and then through a lot of late notices after the fact through the courts I found out that my house was foreclosed and yet I was n't served at any time much less given upfront notices or warnings. I never signed any papers or documents much less any waivers and now once again I am facing eviction due to all of the above. In addition, my name was fraudulently taken off my deed, my water bill, my XXXX XXXX bills in which I paid for over 9 years. I was n't served properly and my house was taken away from me and I had no way to turn to and no help because attorney wanted {$2500.00} up front to take on my case. My house was taken away from me without any prior notices and my Section 8 tenant subsidy was also taken away from me by XXXX XXXX XXXX XXXX. Other lenders including XXXX and XXXX XXXX were also involved and still involved because the bills they had taken out of my name including my deed still comes to my house. I want to file deed fraud against all of the above parties. The rent that I collected from my Section 8 tenant was {$1500.00} and yet none of this money was applied to my balance and was taken away from me over 5 years ago as well. This is my true and correct statement to the best of my abilities.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: EQUIFAX, INC.
State: AR
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:
Can you please have these 3 lying companies investigate these inaccurate account. 

They do not meet FCRA and FDCPA laws, they are violating so many laws in my face. 

Can you please help me out, Ive disputed multiple of times, and they failed to do their job. 

They also failed to provide me with any documents concerning everything i disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
Can you please have these 3 lying companies investigate these inaccurate account. 

They do not meet FCRA and FDCPA laws, they are violating so many laws in my face. 

Can you please help me out, Ive disputed multiple of times, and they failed to do their job. 

They also failed to provide me with any documents concerning everything i disputed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-21
Company: Law Offices of Robert J. Colclough, III
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
This debt is 5 years old and I have never received a bill at my residence. The bill collector also never gave me full information of the debt and or amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief