BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-24
Company: CITIZENS FINANCIAL GROUP, INC.
State: DE
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
I am XXXX XXXX XXXX. I want to put in a complaint against Ms. XXXX XXXX XXXX. I co-signed a {$17000.00} student loan with Citizens bank on XX/XX/XXXX to attend XXXX College. She was in financial need, and she was my girlfriend that's why I was helping her. We were dated from XX/XX/XXXX to early XXXX. After we were separated, she used my information to take more student loans without my authorization. Here is the list of student loans amount with date and account number. She got all the loans from Citizens Bank and the account XXXX. XX/XX/XXXX, {$18000.00} ; XX/XX/XXXX, {$32000.00} ; XX/XX/XXXX, {$13000.00} ; XX/XX/XXXX, {$4400.00} ; XX/XX/XXXX, {$6600.00} ; and XX/XX/XXXX, {$5500.00}. When I was trying to buy a house in XXXX, XXXX XXXX XXXX XXXX told me that I have too much load on my credit. I had good credit making descent money, but got denied after approving for over {$300000.00} mortgage loan because of her action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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:
I was looking at my accounts at Capital one and saw they were " restricted ''. When I called in, I was dialed into the fraud team. The fraud team told me that it appears my payment failed from XXXX XXXX XXXX. I also can see a failed ACH payment on my online statement. I told them that I don't have an account with XXXX XXXX XXXX ( haven't for 10 years ) and said I did setup a payment, but from my XXXX XXXX XXXX When I setup the payment, it was using accounts that are pre-populated in the Capital One XXXX. I only have 3 accounts setup there ( XXXX from XXXX XXXX XXXX XXXX from Capital One ). The supervisor said there was a case open and I asked to talk to that team. She refused to transfer me or provide any assistance. I have no idea what happened or what is going on. I need someone from Capital One to please help me fix this, but they were completely unwilling to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24
Company: Capital Accounts, LLC
State: WV
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I had a dental bill in XX/XX/XXXX for approximately XXXX. I had 2 insurance carriers on file with the dentist and followed up in late XXXX to ensure the bill was taken care of by the insurance carriers. I was told at that time it was paid in full and no other payment was required. I never heard from the dentist again. Without any correspondence, I received a call from Capital Accounts LLC in late XXXX notifying me I had a XXXX debt with the dentist office. I let them know that account was paid in full over 2 years prior to their call. They refused to provide me documentation of the charge or the insurance payments and have continued to update the credit bureaus with the delinquent charge. I switched jobs and relocated and have different dental insurance and have had difficulty getting information from the previous dental carrier since the service provided was so long ago. Capital Accounts LLC again updated the credit bureaus this month of the delinquent charge making it look current. I don't see a way to get this resolved and do not intend to make payment for old unsubstantiated charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XXXX XXXX I have contacted XXXX and Transunion requesting verification in regards to the accounts that are listed in an open status. { XXXX and XXXX XXXX } My report has since been updated with the current year showing the accounts are still showing open. The company that they are getting the information from is reporting inaccurate 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 2020-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 recently disputed some inquiry on my credit account on XX/XX/2020. I called into there several times and still haven't gotten. Its been over 30 day and still haven't gotten anything down about the situations.

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 2022-03-22
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My husband and I went into Chase bank located off XXXX XXXX XXXX in XXXX, Texas and opened a business account. This is the account the bank rep instructed us to get due to the amount of deposits we would be making. We had a live Chase check totaling {$15000.00} from my husbands place of business. They cashed and deposited those funds that day, XX/XX/XXXX at XXXX. We were told our funds would be released by XX/XX/XXXX at the latest. On Monday, XX/XX/XXXX our entire account was restricted. My husband was told they needed his social to verify the account. He was at Chase Bank on XX/XX/XXXX - XX/XX/XXXX for XXXX hours each day trying to work this out. He was told there was no social verification needed. They needed him to verify the origination of the check. He brought in the company CEO and Manager from his job and got that taken care of. My husband requested the account to be closed and a check to be issued. They would not complete this on the spot. They said they put in for the account closure and he should receive a cashiers check within XXXX business days. On XX/XX/XXXX my husband called to verify this had been done and if they issued the check, as we had not received it. The customer service rep stated no request was submitted and our account was currently active and restricted. Today, XX/XX/XXXX, he went into the same Chase Branch and got a different story of what he needed to do from 2 different people. The branch manager would not come out of her office to handle this even though he requested her assistance. He finally stated his wife needed the branch managers name and the district managers names as she would be filing a CFPB Complaint as this is no way to conduct business, and XXXX XXXX came out to help him. She is the branch manager. This issue was still not resolved. XXXX  stated she would 'dig deeper and get everything reversed '. My husband walked out with no cashiers check, no active/unrestricted account and our funds are in Limbo with this bank. We verified and brought in every single piece of personal identification requested, we still do not have access to our money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
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: Account status incorrect

Complaint:
I WAS SPEAKING WITH A LADY ON THE PHONE REGARDING THE DEFERMENTS XXXX XXXX WAS GIVING DUE TO COVID TO PUSH BACK PAYMENT. I WAS SENT A BILL I WASN'T AWARE OF ABOUT THE DEFERMENT SO I CALLED AND ON THE PHONE SHE INFORMED ME THAT IT WAS AUTOMATICALLY GENERATED FOR ALL CUSTOMERS BUT DON'T WORRY ABOUT THE BILL.I SAID OK PERFECT AND WHILE I'M ON THE PHONE CAN I PUT ANOTHER DEFERMENT IN FOR THE FOLLOWING MONTH? THE WOMAN ON THE PHONE SAID YES I CAN DO THAT FOR YOU. I SAID GREAT THANK YOU SO MUCH. I DIDN'T WORRY ABOUT THE NEXT MONTH AND THOUGHT MY ACCOUNT WAS IN DEFERMENT AS THE LADY TOLD ME. COME THE FOLLOWING MONTH I GET A PHONE CALL TOWARD THE END OF THE MONTH MAYBE 15 20 DAYS OR SO INTO THE MONTH SAYING MY CAR PAYMENT IS LATE. I WAS IN SHOCK. I HAVE NEVER BEEN LATE ON A PAYMENT IN MY LIFE. I TOLD HER THIS ENTIRE STORY AND SHE COULD SEE THAT I DID CALL IN AND SPEAK TO SOMEONE SO SHE WAIVED MY LATE PAYMENT FEE WHICH I HAVE PROOF OF ON THE SITE AND SAID CAN I PAY NOW. I SAID ABSOLUTELY OF COURSE I WILL PAY IT RIGHT NOW AND ALSO ASKED HER TO TRY AND MAKE SURE THIS IS NOT ON MY CREDIT BECAUSE I WASN'T LATE I NEVER KNEW I HAD TO MAKE A PAYMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05
Company: SYNCHRONY FINANCIAL
State: GA
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:
On   XXXX   XXXX   Synchrony Bank obtained a credit report on me without my consent. I have been a customer with them and remain in good standing with them for over a year. I never requested a credit increase so there was no reason for them to run a hard credit report on me. This type of practice impacts my creditworthiness. I, m trying to buy a home in the near future and this will adversely affect my chances.

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 2020-03-06
Company: Client Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX  defaulted my XXXX  account using unfair and deceptive practices by failing to deliver billing statements, failing to notify me of an issue, and not providing any notice of late payments or account delinquency. In speaking with XXXX XXXX, they claimed my initial statement was returned to sender. I have verified with them that they have had my correct address on file the entire time. They made no attempt to contact me via mail, email, or phone to resolve the issue or confirm my correct address. XXXX also made no attempt to contact me about issues with my address or account. My account was then sent to collection with Client Services  without notification. Client Services  was able to send me the debt collection notice to the address XXXX XXXX  and XXXX had on file. I have not received one statement, late payment notice, or account delinquency notice from XXXX XXXX  or XXXX. This account delinquency has had a major negative impact on my credit score. The account I was very willing to pay, is now in debt collection because of XXXX XXXX XXXX  and XXXX XXXX actions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: Experian Information Solutions 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 belongs to someone else

Complaint:
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 SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SINGLE FAMILY XXXX XXXX XXXX # XXXX XXXX XXXX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX SINGLE FAMILY XXXX FM XXXX XXXX, XXXX XXXXXXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX SINGLE FAMILY Year all not mine XXXX XXXX XXXX  XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$14000.00} written off. {$3000.00} past due as of XX/XX/XXXX. 
Account TypeSecured Loan Balance {$3000.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusCollection account. 
Account TypeDebt Buyer Balance {$360.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXXXXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$36000.00} written off. {$40000.00} past due as of XX/XX/XXXX. 
Account TypeAuto Loan Balance {$40000.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX potentially negative icon Potentially Negative StatusCollection account. {$360.00} past due as of XX/XX/XXXX. 
Account TypeCell Phone Balance {$360.00} Date OpenedXX/XX/XXXX Dispute

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due  XXXX ,  XXXX ,  XXXX , 60 days  XXXX  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06
Company: I.C. System, Inc.
State: AK
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AK XXXX XX/XX/2020 IC Systems XXXX XXXX  XXXX XXXX XXXX XXXX, MN XXXX I was notified by your company on XX/XX/2020 through A credit report regarding an alleged debt. I have reason to believe I do not owe this debt because I did not receive any communication from this company about a debt. Furthermore I have never given any of my information to your company. I request all of the following information be provided to me by mail : 1. The amount of the alleged debt ; 2. The full name and mailing address of the original creditor for this alleged debt ; 3. Documentation showing you have verified that I am responsible for this debt, or a copy of any judgment ; 4. Documentation showing you are licensed to collect debts in Alaska. 
Because I am writing you within 30 days of being notified by your company about this debt, you must cease attempting to collect this alleged debt until after you have provided the requested information. 
If you continue attempting to collect on this debt or seek judgment for payment of the debt without first providing written verification, you will be in violation of the Fair Debt Collection Practices Act. Additionally, the debt can not accrue any fees or interest beyond what is allowed by state law or by contract with the original creditor. 
Sincerely, XXXX XXXX XX/XX/2020 2020

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 2015-12-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Bank of America is reporting debt balance as due on credit report after XXXX was issued discharging the debt. 

I lost my house to a XX/XX/XXXX foreclosure with XXXX during the foreclosure mismanagement and mortgage practices documented by State and Federal investigations ( XX/XX/XXXX National Mortgage Settlement ). Prior to the foreclosure I opened a line of credit with Bank of America ( BOA ) in XX/XX/XXXX for house repairs and modifications. I became financially unable to continue the payments after the foreclosure for the BOA line of credit debt and the account was charged off in XX/XX/XXXX. 

In tax year XX/XX/XXXX, BOA issued a Form XXXX ( cancellation of debt ) in XX/XX/XXXX discharging the credit debt. I consulted my tax advisor and filed the XXXX with my XX/XX/XXXX taxes. I reviewed my credit report XX/XX/XXXX and BOA has a balance due for the amount that was discharged. I contacted BOA and was informed the amount is still due ( BOA issued XXXX discharging the debt in XX/XX/XXXX ). 

I submitted disputes along with a copy of the XXXX to the XXXX credit reporting agencies ( part of my dispute was the account is not a charge off but a discharge based on the issued XXXX ). XXXX was the only agency that did not report the balance. Fast forward to XX/XX/XXXX and I reviewed my credit report again which still reflects a balance for the discharged debt with the XXXX credit reporting agencies. I contacted BOA and was informed that they will not remove the balance to reflect XXXX ( BOA issued XXXX discharging the debt in XX/XX/XXXX ). 

I was advised by another entity to submit a complaint to the CFPB for assistance with BOA to reflect XXXX on my credit report after a XXXX was issued discharging the debt. I plan on submitting a second dispute letter to XXXX and XXXX XXXX within the next XXXX hours. I am a XXXX Veteran and did not use my VA loan to purchase the house that foreclosed in XX/XX/XXXX. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04
Company: NRA Group, LLC
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Good Evening ; I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : XXXX. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

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 2023-02-03
Company: LD Holdings Group, LLC
State: CT
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am applying for a loan modification with the VA and with Loan Depot. When my application was approved for the modification process with the VA. I was told on two separate occasions that I did not need to make any payments towards my mortgage until XXXX 2023. I spoke to 2 different people. One was a man and the other a women. Both advised me that I did not need to make any payments. I listened to their advice. 

Today XX/XX/2023, I spoke to a representation from Loan Depot to make my loan payment. I was told by her that I should have been making payments and that the information that was given to me was incorrect and that Loan Depot did not train their representatives well enough. I am behind on my mortgage XXXX due to the information that was provided to me by loan depot representatives. Is there anything that can be done about this?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04
Company: MoneyLion Inc.
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Moneylion keeps reaging my charged off debt and changes the balance owed. My report shows a charge off but the acct keeps reaging and the original date of delinquency updates. Recently this caused a 60 point drop after almost 2 years and they keep updating remarks from Charged off to Moneyloin and then they go back a few months later and edit it again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06
Company: Experian Information Solutions Inc.
State: CO
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:
XXXX  ; Experian and XXXX  are reporting incorrectly a charge-off of {$4100.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account does not belong to me. I have not now, nor in the past, ever had an account with XXXX XXXX. This false reporting of a charge-off account that does not belong to me is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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