BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Like many people, my family and I were impacted financially by Covid 19. In XXXX of XXXX I was laid off from my position of eight years because of the effects of the pandemic. This caused financial hardship for me and unfortunately caused me to become past due a few payments with my Capital One Credit card ending in XXXX, and one payment on my Capital One Auto Loan ending in XXXX. 

Fortunately things are starting to get back on track now. I have completed a payment plan with Capital One on my credit card mentioned above that has now brought me current, and also have brought my Auto Loan current. I reached out to Capital One in regards to removing these late payments since they were caused by a natural disaster, and I have been told that my Credit Card is marked as restricted. The only way to lift this restriction is too make the next three months minimum payment on time, even though the account is current. This was not stated in my Terms and Conditions when setting up this payment plan to bring the account current. Because of this restricted status, their Account Resolutions Department is unable to help me with removing the late payment from my credit report. 

I take great pride in my credit as it was over a 700 prior to the financial impact of Covid 19. 

I am requesting that Capital One lift the restricted status of my Credit Card ending in XXXX and also remove the late payments for this card for XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and any others that have not reflected for this account yet. I am also requesting they remove the late payment for my Auto Loan account ending in XXXX for XX/XX/XXXX. By viewing my accounts with Capital One and my years and years of being a customer, it is obvious that all best efforts were made to keep my accounts current, and that my payment history was flawless many years prior to the Pandemic. 

I have attached two files to this message. One is my notice of separation from the company I worked for when the pandemic hit, the other is the terms and conditions I received when my payment plan was set up with Capital One to bring my payments current. Nowhere does it state that my account will be restricted or that I will have to make an additional three months consecutive payments to lift this restricting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have a XXXX XXXX XXXX XXXX on my Equifax credit report. This account is at zero balance and XXXX promised to delete this from my Equifax report this needs to be deleted today

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
Company: YES AUTO CREDIT
State: IN
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:
I submitted the no affect to your credit score form not giving them my date of birth or social security number and they managed to place multiple hard inquiries on my credit through multiple lenders.

Company response to consumer: Untimely response
Consumer complaint received 2015-08-19
Company: First National Collection Bureau, Inc.
State: TX
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 had an account with XXXX from XX/XX/XXXX to XX/XX/XXXX. I sold my house and called them to inform them I was cancelling service. They informed me I was no longer under a service contract and it would not be a problem. I thought the matter was over but I recently checked my credit report and discovered they were reporting a balance in the amount of {$900.00}. I called FIRST NATIONAL COLLECT and they informed me they did not have any details with the account. I then called XXXX and they said it was due to early termination. ( I had this account for more than XXXX years ) Then, they said they never received equipment that needed to be returned. I talked to a supervisor that said he would adjust the balance to {$220.00}. I called today and the balance is {$900.00}. I spoke to several reps with XXXX and nobody can give me any answers. I need help in this matter because I paid the account as agreed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
Company: Novad Management Consulting LLC
State: WA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
I am the real estate agent trying to sell the home for an estate in probate located in Washington State. The amount owed on the home plus the compounding interest from the reverse mortgage far exceeds the current market value. I have submitted requests to Novad for approval of a short sale. Emails regarding the short sale were sent on XX/XX/2021, XX/XX/2021, XX/XX/2021, and XX/XX/2021. I have tried calling the service center at XXXX several times and have not been able to talk to an actual person. The recording says hold time is 0 minutes. On XX/XX/2021, at XXXX XXXX PST I sat on hold for 38 minutes and left a message. On the same day, I called again at XXXX and sat on hold for 2 hours and 8 minutes. There is nobody to escalate my emails/phone calls to and need clear direction for resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14
Company: ALLY FINANCIAL INC.
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I informed my bank that I was having XXXX and had to pay over {$3500.00} and would not be able to make my payments until I was recovered. I called on XX/XX/2017, and after being told incorrect information several times while trying to pay {$800.00} of {$1400.00} owed, I was finally told I had to pay by XXXX which has a large fee. I asked if I could just pay the full amount on XX/XX/XXXX, they said that was fine & also said they would change my payment date from the XXXX to the XXXX. Then, they repossessed the vehicle on XX/XX/XXXX. I paid the full {$1400.00} plus {$400.00} in fees on XX/XX/XXXX - I called same day to confirm they received the XXXX. payment and to ask about the amount of fees and if my payment date was changed. On XX/XX/XXXX, I got my car back and called again because my online access to see my payment history was still cut off & I still did n't know breakdown of the repossession charges. They said payment would post soon, my payment would change to XXXX, I would get a letter with the breakdown of charges, and my online access would be restored. On XX/XX/XXXX, I got a call saying my payment was late, I said it should have been changed, they said they had no record, but the guy put in the request for the payment change on the phone, said it was granted. I asked how I would know for sure, so he gave me a confirmation number for the payment date change and said I could make the payment on the XXXX no problem. On the XXXX, they said my payment was late and I was being charged a late fee. I asked why my payment date was n't changed, they said it was only effective after I made the payment. I finally got the letter regarding the repossession fees charged in XXXX and gave a written response to the letter demanding a breakdown and receipt of the charges ( even though I had already requested one by phone ). I never received the breakdown of charges. On XX/XX/XXXX, Ally began calling me again saying my payment is late and when told about the CONFIRMATION number for the payment change, said they see nothing on file or saying that it was n't approved. My mom 's and my credit scores have dropped, I have had to pay fees that Ally Auto will not tell me what they are for or provide a breakdown despite sending me a letter quoting law which says I 'm entitled to that information. I have now paid nearly {$1000.00} in fees which Ally refuses to give an accounting for and if I do n't pay, they will repossess my vehicle again.

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 2021-09-30
Company: JPMORGAN CHASE & CO.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
The Chase Sapphire Reserve credit card ran a " No Interest, No Monthly Fee '' promotion on their " My Chase Plan '' program that ended on XX/XX/2021. I took advantage of their promotion by purchasing 2 travel vacations, one at XXXX XXXX XXXX for {$6700.00} on XX/XX/2021, and another deposit at XXXX XXXX on a second trip for {$400.00} on XX/XX/2021. Both purchases were within the parameters of the Chase promotional period. When I went to sign on to take advantage of the " My Chase Plan '' promotion, I was told on a Chase website pop-up that my purchases did not qualify for said promotion. On XX/XX/2021, I tried again to put both those purchases on the Plan and both purchases were now eligible, but there would be a monthly fee for doing so. On 3 or 4 calls to Chase, they declined to remove the monthly fees that I was now being charged. Chase has declined to honor their own promotion and I have been charged fees that were not in existence when I made my travel purchases in accordance with their Plan promotion. I am requesting those current and future monthly fees be removed from " My Chase Plan '' and Chase honors their own promotion. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-30
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
this about my apple card, I received an email about 3 weeks ago that a new card has been sent to me, but i never received the card. Today I got another email to activate my card, which i never got and was not supposed to get a new card because my Apple card is working and not expired yet. I have contacted Apple card support right when I got the first email about a card been sent to me, also today to notify them of the second email I got today. I was told by Apple card rep. to notify you as well. 


Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-23
Company: Shellpoint Partners, LLC
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have previously submitted a complaint about Shellpoint deliverying confidential information, including demand letter and intent to accelerate letter to my home which is not my mailing/billing address of record. My home is currently occupied by a family member and just today a messenger went to the home and asked to speak with me and advised my family that it was regarding a delinquent payment ( incidently it was for XX/XX/XXXX payment which is in their system to be paid, leaving the account 22 days past due. 

I complained before when they sent a messenger, and shared private and confidential information with someone other than myself. I asked them to cease and desist sending documents and people to this address and they have not even had the professionalism or business courtesy to respond to my complaint. These people are incompetent and have a loan shark mentality for collecting or barely delinquent payments. Unacceptable

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25
Company: First National Collection Bureau, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
FNBC ( XXXX ) has called me at work and on my cell phone XXXX times back to back in XXXX day telling me I owe XXXX. I asked for a validation letter and the lady told me " I do n't need to do that, you know what you owe and you are a piece of XXXX for not paying it back. I will come to your house and scare the XXXX out of your kids and let them think I am killing you until you pay this back. '' She would not give me her name. I hung up after the threat and that 's when they started calling my job over and over.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
I have told Experian I had tried to contact the XXXX XXXX XXXX XXXX that says I have an open card on my credit, they have not responded to my messages or emails or provided any type of communication. Maybe I cant find the most direct number to them. But I disputed it and twice they claimed it's an accurate account but wont give me any information. I do not agree with this.

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 2022-05-05
Company: EQUIFAX, INC.
State: IL
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:
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 response to consumer: Closed with explanation
Consumer complaint received 2015-10-27
Company: CITIBANK, N.A.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My client have tried several times to get a loan modification with CitiMortgage for over two years now. My office has complied with their requests for documentation and information, only to be told that the file had " expired '' or some other non-acceptable answer. We had complained about this this sad state of affairs with the XXXX office without any real results.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
I reached out to XXXX XXXX XXXX XXXX and XXXX XXXX XXXX via certified mail in regard to an auto loan account that is involved in an ongoing XXXX case. 
In the later part of XXXX or early part of XXXX, I was considered XXXX due to a work injury, which XXXX XXXX was made aware of the XXXX case and deemed XXXX XXXX XXXX responsible for taking over my payments and submitting them to XXXX  on my behalf. Since this agreement went into effect, I now have more than 10 late payments being reported to the credit reporting agencies; dropping my credit scores tremendously ; and leaving my credit profile damaged because of the number of late payments Prior to this, I have always had an outstanding relationship with XXXX and made every attempt to pay my bills on time. Therefore, due to the nature of the issues being that it was a XXXX case and their insurance company, I reached out to XXXX on XX/XX/XXXX by phone to discuss my concerns regarding this matter and was told that " they could not help me and that I would have to reach out to the credit bureaus to dispute it ''. I even went to the extent of paying the final payment bring the account to a XXXX balance in hope that this would be resolved. 

I do not understand how XXXX was not able to help me resolve this when they are the one who reports the account status to the credit reporting agencies. This matter has caused a great amount of stress from being denied for credit and now my character has been questioned as if I don't pay my bills on time. 

I respectfully ask, due to the nature of the issue stemming from a XXXX case that they DELETE the account from being reported to XXXX XXXX, XXXX, XXXX and Transunion or update all the late payments on this account to paid on time and as agreed. If this is not or I will have to seek legal counsel. 

Please see the attached letter of the certified tracking numbers for letters that was sent out

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 2023-02-02
Company: EQUIFAX, INC.
State: IL
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 my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ;

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
Company: CITIBANK, N.A.
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: Their investigation did not fix an error on your report

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I'm not swayed that XXXX and XXXX Credit Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX and XXXX Credit Bureaus are reporting inaccurate information on DSNB MACYS. Also, I tried contacting XXXX and XXXX Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the charge-off was posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

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 2021-09-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
After 9 years with company they restricted my card and require documents from my authorized users. I do not have those documents and offered to remove them from the account. They replied that they would not be able to release the account unless I provided this information. This was never agreed at the time of adding the users. The company also never informed me this would be happening. User was declined while making a food purchase for {$20.00}. Additionally they said I would need this information for people that have been removed from the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that ARS would verify the debt. So I took it upon myself to ask ARS for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/2021. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.

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 2023-02-02
Company: Experian Information Solutions Inc.
State: NC
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:
I really need my student loan activity looked into. The loan shouldn't be in my report, and it's showing that I paid my payments for the past three months. I haven't signed up for anything, or made any arrangements with anyone. So these payments are being falsely reported to keep these accounts open, and affecting my report. There should be laws prohibiting this type of activity.

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 2020-04-07
Company: JPMORGAN CHASE & CO.
State: ID
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
In XXXX of 2018, I was late on a payment, which I did not know about, and it put me over the 30 day threshold for late payments. Chase Auto then decided to repossess the car without sending me a letter and verifying that I knew that they were going to repossess the car. They proceeded to repossess the car, the day after XXXX, and I did not even know it was more than a month behind. I called Chase and they said they could do this after 30 days of being late. I paid the late payments and received the car back. They refuse to take the Repossess and late payment off when it was a clear mis understanding.

Company response to consumer: Closed with explanation