BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-05
Company: Garrison Investment Group
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Foundation Finance has repeatedly contacted me at my place of business ; a number that they were never given. So I would be very interested in know how they got the number in the first place. Now today I have been getting repeated email from a XXXX XXXX from Foundation Finance asking me to call. When I informed her that I need a reason, she has repeatedly refused to tell me why she was contacting me. 

At this point I'm very very tired of these strong arm tactics and would like it addressed.

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 2022-09-17
Company: Maximus Education, LLC dba Aidvantage
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX, I entered into a Student Loan Repayment Program ; this was based out of a Collections Company called XXXX XXXX XXXX XXXX ; Account # XXXX. My Student Loans came out of default, and were being reported as current and in good standing. 

I was paying {$5.00} a month. 

As a result of the onset of the XXXXOVID-19 Pandemic, the CARES Act was enacted and all automatic payments debited from my debit card/checking account stopped. 

Everything was fine, and I was waiting to be notified of my {$5.00} monthly payment resuming ; however, I never received notice. 

Further, it is law under the Fair Credit Reporting Act ( FCRA ) that a company or agency must notify the consumer, in writing, of defaulted accounts and detailing the consequences if the consumer does not take action ; however, that is not the case here. 

XXXX/U.S. Department of Education did not provide written notification of default and the consequences that would ensue if no action was taken ; rather, XXXXU.S. Department of Education took it upon themselves to place my CURRENT Student Loans in Collections. 

I also find it interesting that the XXXX/U.S. Department of Education made this Adverse Credit Reporting decision as my spouse and I are trying to qualify for a Mortgage Loan. 

On XX/XX/XXXX, I called XXXX/U.S. Department of Education and spoke with a person by the name of XXXX, who said it's best to keep my accounts are they are until XX/XX/XXXX, when the U.S. Department of Education begins their Fresh Start Program and to call back on XX/XX/XXXX to enroll. XXXX from XXXX/U.S. Department of Education refused to begin the process of helping get my Student Loans out of Collections. That same afternoon of XX/XX/XXXX, XXXX Customer Service ( XXXX ) sent me an email with the Subject : " Disputes ''. 

On XX/XX/XXXX, I contacted the State of California, Department of Financial Protection and Innovation to file a complaint against XXXX/U.S. Department of Education ; however, they referred me back to XXXXt/U.S. Department of Education. 

My spouse and I are currently " Under Contract '' and expected to Close on our new home on XX/XX/XXXX ; however, our Mortgage Lending Company is now asking questions about my Student Loans in Collections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card
Issue: Other

Complaint:
I did not authorize an inquiry from this particular company, nor have I signed and/or endorsed any contract, application ( s ), etc., that created any inquiries with the listed corporation, agency, and or compay .Someone has unlawfully used my name, unambiguous information and endorsements that attempted to established the herein accounts without my, knowledge, authorization, consent and or signature. Possible endorsements were used on commercial applications without my consent, permission and or knowledge. There being no permissible purpose to obtain my Consumer Credit file, I request the unauthorized inquiry into my file be removed from all the Consumer Reporting Agencies immediately and a copy of such deletion mailed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX, I was unaware that my line of credit matured and was cancelled. I was paperless in an XXXX. They said they would extend it until we arrived home. XXXX XXXX at Capital One on XXXX, LA talked to us when we returned. XXXX took our reapplication to reopen the line since we had had this with your bank for 10 years and had been with capital One for 30 years at the XXXX, LA branch. In that time frame, we spoke with the manager and explained. She called Capital Loan dept., spoke with another woman who said she 'd handle it that day, XX/XX/XXXX. We have a fax confirmation from XXXX XXXX XXXX, XXXX. The woman in Loan dept. said a week later that she did n't receive it although the manager at Capital One on XXXX. had the fax confirmed. So the money we paid over 4 months to our Line of credit was never applied to our line of credit. It was held in a Capital One Management fund. We paid {$2400.00}. on XXXX? XXXX. On XX/XX/XXXX, we paid {$1300.00}. On XX/XX/XXXX we paid {$1400.00}. On XX/XX/XXXX we paid {$300.00} and on XX/XX/XXXX we paid {$2500.00}. On XX/XX/XXXX we paid {$1200.00}. and XX/XX/XXXX we paid {$500.00}. On XX/XX/XXXX we paid {$2000.00} and XX/XX/XXXX we paid {$1500.00}. None of these were applied. After this occurred, we were told to pay the entire amount off. On XX/XX/XXXX we paid the entire balance. XXXX XXXX helped us do this at Capital One XXXX XXXX. XXXX in XXXX. The new loan number was XXXX. When XXXX XXXX faxed this to XXXX in the Loan Department, and told us it was supposed to be applied to our line of credit. XXXX 's phone # is XXXX. It never was applied. So all of this time Capital One held our {$4700.00}. and never applied it to our line of credit. Then we were placed into a collection agency despite us paying on this. It ruined our credit. We were trying to refinance our home from a 5.5 % loan to a 3.3 % which we were attempting to do with XXXX at Capital One. Because of the credit agency, we were refused. This cost us {$35000.00} over the 30 year loan period.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Two parts outline this nightmare due to XXXX  predatory lending practices in and inefficient customer service and exorbitant fees. Ive spent my life was perfect credit and only looked to use XXXX because of the misrepresentations it made on television regarding building my credit. Unbeknownst to me they had signed me up for a credit card as some sort of reward to the end of the term of the first loan which I paid off perfectly however since I did not receive any notice and failed to see where I signed or excepted service of that card I ended up with two late payments for the first time in my life. XXXX currently has XXXX of these XXXX complaints That clearly defy the fair credit lending act.

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 2016-05-05
Company: SYNCHRONY FINANCIAL
State: LA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
Synchrony Bank/ Care credit is continuing to report incorrectly with equifax and experian after agreeing in writing to remove incorrect information. My original dispute in XXXX 2016 resulted in an agreement to remove from my file a 30 day late pay. XXXX months later this information is still being reported. It is absolutely ridiculous how unresponsive and difficult it is to navigate their dysfunctional system. I also intend to file complaints against equifax and experian because they are not reinvestigating because if they were the agreement in XX/XX/XXXX would be discovered, the item in question deleted, problem solved. People should not have to babysit their credit report.

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 2022-09-17
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:
According to the FRCA The Term Investigate consumer report Means a consumer report or portion Thereof In which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items or information They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece Of information on this account are still not reporting 100 % accurate and according to the FRCA 15 U.S.C 1681 everything has to be accurate Account # XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
According to the FRCA The Term Investigate consumer report Means a consumer report or portion Thereof In which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items or information They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece Of information on this account are still not reporting 100 % accurate and according to the FRCA 15 U.S.C 1681 everything has to be accurate Account # XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-23
Company: Tower Loan of Mississippi, Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Billing dispute for services

Complaint:
Unauthorized credit on account I did not give authorization to access information and individuals who are using this account are scamming and committed fraud against my identity

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 2020-03-12
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
This unverified account of sources receivable account number XXXX is reporting inaccurately. On XXXX  is reporting account status as open, on my Equifax it is reporting as closed and on XXXX  is reporting as closed. also there's a past due balance being reported on XXXX  for {$920.00} but on XXXX  and Equifax there is not a past due balance be reported. I have disputed this account several times and they yet fail to show me proof of verification or remove this account because of inaccuracies and neither company showed me their method of investigation to support their claim that this account was verified

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Experian credit reporting keeps reporting the same incorrect negative and false information that I have disputed and the other credit reporting companies took the negative debts off my records over a year ago. 1st on is XXXX XXXX for an apt that debt occurred on XX/XX/XXXX and it stated that it would be off on XX/XX/XXXX from my records which as of today XX/XX/XXXX it has not. Another one is WA State child support that this was an account that mistaking got on my credit reports which was removed ASAP but XXXX credit report refuses to remove after several disputes since XX/XX/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 2020-08-27
Company: Mr. Cooper Group Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My Original mortgage was with Seterus and was changed to Mr. Cooper. I have filed bankruptcy previously and because of the bankruptcy protection law I was not receiving my mortgage statement so I never knew about any late fee. Now Mr. Cooper doesn't want to remove the total late fee & Charges of {$3500.00}. I should not been charged that fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2021 I had fraud with my checking account at TD Bank , N.A . Once I realize that the " representative from the fraud dept '' was in fact a fake and the defrauder, I immediately hung up and contacted TD Bank to report the fraud. While speaking to the rep in the fraud dept at TD at approximately XXXX XXXX. - she advised me that the person who defrauded me had also done the same with another TD customer. They had this person 's name, the City and State and the bank in which the funds were transferred and consequently withdrawn from. This information was given to me by TD Bank. I was told to file a police report and to bring the report to a branch to submit to the fraud dept. My claim was denied 3 times. I was never advised by TD in writing or by telephone. I only became aware because I continued calling the fraud dept for a status. I can not understand, if TD Bank is aware of the identity of this person, the fact that this person has done it before why they continue to deny my claim. I had a {$1000.00} stolen from my account. I asked TD to review the recording of my conversation with their representative XXXX XXXX of the fraud dept to confirm that the information came from them. They have not done so. Why not, because then they would have no choice but to do what they are insured for - return my funds. It is unbelievable that TD Bank would treat a customer like the culprit instead of the victim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been informed that negative information was reporting on my credit report by a collection agency with the name of XXXX  XXXX. I contacted this company by certified mail twice to get validation of debt amount owed. this company has failed to reply or send me any type of mail about this debt that they are falsely reporting on my credit report. I have received confirmation through the XXXX that this company received my certified letters but have yet to respond in a timely manner. I gave this company well over 30 days to send me validation of debt owed on the first go round and have not received anything since, this company states I owe XXXX $ but I will not pay this collection agency any type of my money without sufficient validation. I have asked this company twice to validate this debt bearing my signature or to show some type of contract I have between this company & I. It is by law by the FCRA THAT I CAN REQUEST VALIDATION AND IT MUST BE SENT TO ME. Not only is this company blatantly disobeying the law & being willful non-compliant but also not giving me what I am respectfully asking for. This company only marked my account disputed on my credit report but have failed to send me any documents of what I am asking for. 
I have the right to demand to see a signed contract between, e and XXXX XXXX. If this company is hired by a 3rd party company then I request validation and NOT verification of the debt meaning a signed contract from the original company and not a itemized or generic bill. a bill is considered proof of debt, not validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Credit card
Issue: Other

Complaint:
A credit card with Capital One appeared on my credit reports. I have repeatedly disputed the account because the account was created fraudulently. I have sent denial letters and verification letters to Capital One requesting information as it relates to the account. I have asked for copies of statements, copies of applications, and any every bit of supporting document available. Capital One does not send me the information. I have instead been sent several letters that simply say the account was charged off and sold.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/27 I noticed a pending charge for XXXX that I did not authorize for {$110.00}. 
I contacted XXXX and they confirm that this was not a valid charge on my account but to contact PNC ( my bank ) to start a dispute. 

I contacted PNC on XXXX after the amount was posted on the account to dispute the charge. The reason was that I did not make this transaction and this was a fraud purchase. 

I spoke to several reps that informed me although this transaction was unauthorized, that they can not refund the amount charged. 

I am contacting the CFPB in order to step in as under good faith I decided to bank with PNC under their fraud protection. Yet when I need it at the moment, they can not provide the feature they are advertising.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-05
Company: AES/PHEAA
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
To Whom It May Concern, Im writing to you because I noticed that my most recent credit report contains a late payment reported on 2019 XXXX, XXXX, XXXX, XXXX, XXXX for my Fedloan account. I want you to know that I understand, and have great respect for my financial obligations. Unfortunately, at the time of the incident mentioned above, I had lost my job and moved to XXXX NC. Aside from this unforeseen and unavoidable circumstance, you will see that I have an excellent payment record. In the near future, I am planning on applying for, and it has come to my attention that the missed payment on my credit reports could hurt my ability to qualify. In my heart, I know that the missed payment doesnt reflect my creditworthiness and commitment to repaying my debts. I am humbly asking for you to give me a second chance by making a goodwill adjustment to remove the late payment on 2019 XXXX, XXXX, XXXX, XXXX, XXXX from my credit reports. As I understand it, you can do so in just a few minutes of your time. I would greatly appreciate it! Thank you for your consideration. Have a blessed day!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have an UNKNOWN medical collection on my EQUIFAX report. XXXX and XXXX investigated PROPERLY when I disputed and Equifax did not and DELETED the account right away. The account is the only collection on my report, it is from XXXX. I expect this to be properly reinvestigated or I will have no choice but to move forward with legal action with the Illinois attorney general. 

I also sent you a letter stating my issue, with details, which arrived to you YESTERDAY. 

COLLECTION ACCOUNT NUMBER : XXXXMy name is XXXX XXXXAddress XXXX XXXX XXXX, XXXX, il, XXXXI also sent copies of my ssn card and driver 's license last week in the mail to you.

Company response to consumer: Closed with explanation