BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-03
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Sometime in XX/XX/XXXX I spoke with XXXX ( Agent number XXXX ) over the phone with Capital One in regards to account number XXXX and requested that the late payment remarks dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX made to my consumer report be removed due to it being non-public private, personal information, violating my rights under 15 USC 6803 A 1 Disclosure of institution privacy policy. XXXX denied me the right to control what is allowed to stay or be published to my consumer report also violating 15 USC 6802 - Obligations with respect to disclosures of personal information. I did not give capital one any permission to publish such defamatory information. These actions have caused me great emotional harm and serve XXXX as I am unable to utilize my consumer credit appropriately do to the on going abuse Capital One has created. I am extremely disappointed in Capital One for doing this to a customer of 7 years who has shown nothing but loyalty to your organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07
Company: PENTAGON FEDERAL CREDIT UNION
State: OH
Product: Credit card
Issue: Other

Complaint:
On XXXX XXXX, 2016 I applied for a credit card with Penfed Credit Union. I received an email from Penfed stating that my XXXX credit report was locked. On XXXX XXXX, 2016 I removed the lock from my XXXX credit report. Penfed subsequently approved the credit card application. On XXXX XXXX, 2016 I again applied for credit with Penfed and received another email from Penfed stating that my XXXX credit report was locked. I contacted Penfed on this date and explained that my XXXX credit report was n't locked and asked if they could use the same hard pull from XXXX XXXX, 2016. The Penfed representative stated that they could use the same hard pull if it was done within a 90 day period. I proceeded with the application process based on the information provided by the Penfed representative. On XXXX XXXX, 2016 I again applied for credit with Penfed and received an email stating that my XXXX credit report was locked. I again contacted Penfed, as my XXXX credit report was n't locked and I was again informed by the Penfed representative that they could utilize the same hard pull within a 90 day period. Penfed has consistently informed me that they could use the same hard pull as long as it was within 90 days. On XXXX XXXX, 2016 I spoke with a Penfed representative who informed me that their system showed that Penfed only pulled my credit one time on XXXX XXXX, 2016. The representative stated that if I had a credit report detailing that Penfed pulled my credit after XXXX XXXX, 2016 that I needed to submit a copy of my XXXX credit report to Penfed and they would remove the inquiries from XXXX XXXX, 2016 and XXXX XXXX, 2016. I submitted this information to Penfed and also a dispute with XXXX. Both Penfed and XXXX stated that the inquiries were factual. I did n't authorize inquiries of XXXX XXXX, 2016 and XXXX XXXX, 2016, as the Penfed representatives informed me that they would be utilizing the XXXX XXXX, 2016 hard pull from 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 2022-04-11
Company: Experian Information Solutions 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:
Name is XXXX XXXX and I am providing new information, my previous case # was XXXX and they did not provide what I asked for and this is a violation of my rights and should be fined {$1000.00} and a check mailed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX if you review there response from that case they claim to not see the account on my file, but I have a new updated copy of my report and its dated for today and the account is visibly still there clear as day. " XXXX  '' In my previous complaint I requested the following and it was not done : My name is XXXX XXXX My Experian report XXXX is XXXX Account name XXXX  Account number XXXX .... requesting your method of verification I am requesting your method of verification, and I am granting you 15 days to respond to this request. If this account was in fact verified as you clam that would mean that you investigated it, and it would also mean that this was in fact an investigative consumer report. If this in face was an investigative consumer report, I am also exercising my rights under 15 USC 1681a ( e ) Please keep in mind that you only have 15 days to respond to this request. If you do not respond in time, this trade account and all information of it must be removed from my consumer report. 


Since they have not provided what I have asked for they are in violation of my consumer protection laws and CFPB must enforce my rights and I demand payment of {$1000.00} for the violation and demand removal of this account today permanently from my file and notify all other reporting agencies of these actions as well.

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 2020-03-25
Company: U.S. BANCORP
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to request your help with U.S Bank. I dont know what else to do. So I hope to have a fair solution to this issue that US Bank has  cause on my credit score. I tried to solve this with them on XX/XX/XXXX but they did not respond my dispute, and they did not even investigate the account or mark the account as disputer ( violation under the Fair Credit Reporting Act ).

The account I am writing about is the following : FTC REPORT NUMBER : XXXX Account : U S Bank : XXXX Date Opened XX/XX/XXXX Bal {$0.00}

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 non-monetary relief
Consumer complaint received 2015-04-20
Company: Concord Resolution Inc (Closed)
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Placing a order of validation. Call back withdrawal XXXX hr. Repetitive messages. Without saying who or what the derby is for. When you call back no answer or advise to leave a news. Sounded fishy so hung up!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Hello, I set up my account for auto debit and it has been successful in the past but for some reason my auto debit on XX/XX/2020 of {$62.00} was returned to me.They returned the payment on XX/XX/2020 and then charged me a late fee of {$28.00} onXX/XX/XXXX as well. I tried calling but they are CoViD-19 as an excuse to not provide any live customer service. There is no way to resolve my issue via the automated call system. There is also no way to resolve this issue via the contact us section of the online account site. The end of CoViD-19 is unknown so when will be able to fix account after Chase 's error?

My credit score is now going to take a hit because and now can't make payments. How does Chase expect customers to pay their bills?

Thank you, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-25
Company: SYNCHRONY FINANCIAL
State: IN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I made a payment on the due date, XX/XX/2020. There was a error during the payment processing and the website would not allow me to revisit the payment page to initiate the process again. The site was routing me to a page asking to verify my email and phone number, however it would not allow me to do that either. So I call Sam 's club credit/Synchrony and they indeed verify the payment was submitted but there was probably just a site error. Fast forward to today XX/XX/XXXX, I received an email saying I was past due for my payment and now I owe two months plus the late fee. So I call Sam 's club credit/Synchrony again and they refused to accept my issue, dismissed my story completely. They have no record of my payment or phone call. They still make me pay the full balance due ( XXXX+XXXX+ late fee ) but agree to credit my account the late fee. However due to their error I'll be paying for it and could affect my payment history and credit.

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 monetary relief
Consumer complaint received 2017-05-24
Company: Fay Servicing, LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am a   XXXX   XXXX   XXXX  working with the borrower,  XXXX   XXXX . His loan is with  Fay Servicing. I submitted a loan modification request to Fay   XXXX / XXXX / XXXX . They have been continuously requesting documents since that time, which we have always provided and they never provide a decision on the file. As of  XXXX / XXXX / XXXX , I received communication from the assigned single point of contact,  XXXX   XXXX , stating that the most recent documents we submitted were received and were under review. Now, my clients just received a notice of a foreclosure auction date of  XXXX   XXXX ,  XXXX . There are several violations here. First , Fay has taken well beyond the 30-day ti me frame for making a decision on the file, which was originally submitted  XXXX / XXXX / XXXX . Second, scheduling an auction while the  XXXX  's are still in active review for loss mitigation is clearly a violation of the CFPB 's prohibition on dual tracking. I have advise d Fay of my concerns by leaving three voice mails, sending three  emails, and calling numerous times. My calls and emails have been ignored by  XXXX   XXXX  and all others contacted at Fay.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06
Company: NATIONS DIRECT MORTGAGE, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I just got a new home and our broker did our loan with a mortgage company in CA, by the name of Nations Direct Mortgage and it looks like someone in that company got in hold of my wife and my personal information including Social Security, income information and more and are starting to setup fraudulent credit account and utility services ( Wireless account ) in our name. 

My wife and I work in the financial system and we are extremely careful with our private information, after evaluating the address were the mortgage company is located and the address of the places the individual who stollen our personal information had comited the crimes we had come to the conclusion that the only place were our personal information was expose was at the mortgage company already mention. We had file a police report and we had start an investigation in order to find the responsible paerson.

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 2022-04-11
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:
I recently checked my report and noticed Unauthorized, unknown and Unrecognized inquiries on my credit report. 

- XXXX XXXX XX/XX/2021- XXXX XXXX XX/XX/2021 I would like to have these items removed promptly. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: D2 Management LLC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a call from XXXX ( on XX/XX/2022, XXXX ) asking to verify my first name. I told them it " depends on the reason of the call '' because I did not want to be scammed or a victim of identity theft again. She identified her debt collections agency as D2 Management. Then the lady disclosed the last XXXX digits of a social security without verifying who I am first. I did not disclose to them verbally my first name nor my last name. This is a violation of privacy. I then told them I do not know the reason of the phone call or what debt is being collect and hung up on them. 

Later, I called the same number ( XXXX on XX/XX/2022, XXXX ) and requested the debt collection agency 's mailing address to submit a debt verification letter. The lady identified herself as XXXX ( Did not confirm the spelling of her name ) and refused to provide the mailing address of the agency until I gave her my personal information. This is a violation of the Fair Debt Collection Practices Act ; a debt collection must be able to provide a mailing address without personal information to allow consumers to submit a debt verification letter. XXXX told me I could tell her my personal information and have them send me the debt verification letter, however, that could be a lie and they do not need personal information to disclose to me their mailing address for their debt collections agency. She did tell me the website of their agency, d2management.com. However, the website could be fraudulent or even have the wrong mailing address on the web page for the agency. She continued to refuse my request for the mailing address and told me she " will let her clients know '' and hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19
Company: Resurgent Capital Services L.P.
State: NE
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have had the alleged debt from XXXX XXXX sold to another collection agency. I have repeatedly asked for XXXX XXXX to substantiate the debt. My original complaint was dated XX/XX/XXXX transaction ID XXXX. A subsequent complaint was submitted XX/XX/XXXX. As I stated before " until XXXX XXXX can provide evidence of this debt, the movement from one collection agency to another should be terminated. I am repeatedly harassed by third party colleciton companies.?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-24
Company: Resurgent Capital Services L.P.
State: IN
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
I submitted a complaint to CFPB in XXXX XXXX against debt collector LVNV Funding LLC concerning a debt I deny owing them and after requesting in writing that they stop all communications about this matter, they have contacted me yet again on XXXX/XXXX/XXXX regarding this debt. This Debt is past the statue of limitation, which they acknowledge in their most recent letter, yet they continue to ignore my written request to stop all written and verbal communications. 

I would like the harassment to stop and I am asking your office to contact them and put an end to this situation. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-11
Company: CarMax, Inc.
State: GA
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:
CarMax Auto Finance falsely reported that consumers owes them money. consequently, prevent consumers from obtaining other loans that violate consumers Civil and Constitutional rights ( life, liberty, and property ) life, liberty and the pursuit of happiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 score was lowered XXXX XXXX. I called to determine why with my credit card company. The agent said I had to speak with a different department. After I was transferred, I realized I was speaking with a Transunion agent. I asked for an explanation in the lowering of my credit score. The explanation was that I had a big balance and one inquiry on my report. However, prior to being transferred, my credit card company confirmed my payments have been made on time in previous months. Therefore, the statement on the big balance was incorrect. So, I asked the TransUnion agent for a better explanation. The agent was unable to provide me with an answer and the agent refused to allow me to speak to a supervisor. At this point in the call, I requested at least 5 more times to speak with a supervisor and my request was denied. The Transunion agent gave a closing statement and terminated the call.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. 

I demand that these accounts be deleted immediately or I will file litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: Experian Information Solutions Inc.
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 sent in a letter requesting that all accounts be looked and corrected because the account is not mine and i never received a response back.

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 2022-04-11
Company: Nelnet, Inc.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I am a XXXX XXXX for the past 12 years, and I do not qualify for Public Loan Forgiveness because I consolidated my student loans with my wife in 2006. We now have an XXXX loan, and we have been told multiple times that we do not qualify for Public Loan Forgiveness. The only option we have is to do the Income Based Repayment plan, and the payment we make is {$1200.00} per month. This payment does not even pay the interest on the loan, so the loan continues to grow. We also can not afford to make this payment monthly, as it is the highest payment in our budget, which puts us at risk for default.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I have a fraudulent charge on my credit card. I called AMEX and reported it as fraud on XX/XX/XXXX. I explained to them that I did not make this purchase and have examined my XXXX account in great detail to ensure that it is in fact fraud. They still haven't removed the charge from my account and are refusing to help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-25
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
A collection company lvnv is reporting XXXX accounts under collection that are zombie debts. LVNV created a reporting date of XXXX 2015 that is well past the statue of limitations for the collection of the XXXX debts. Additionally those XXXX debts were settled with the original lender through XXXX XXXX who your agency sued. I have sent certified mailing to all XXXX bureaus and the collection company demanding they remove collection from reporting, and to cease and exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07
Company: AFNI INC.
State: MI
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
AFNI Collection agency has been calling me everyday XXXX times a day. I am currently paying them a set amount each month through a debt consolidation company. They are calling me after XXXX. They have threatened me by saying, " If you are unable to pay we have your employment/salary information and we may take further legal action ''. I explained that I am only able to pay what I am paying each month no more, no less. They did not start calling me until I started paying off of my debt.

Company response to consumer: Closed with explanation