BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
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:
Each month when attempting to make a payment, I am told that I must verify who I am by submitting a copy of my drivers license -- I am simply trying to log in and make a payment. THIS IS EVERY MONTH!! It is to the point that when I contact Capital One, they, too, are not able to access my account as well. I spend, at the minimum, 30 to 60 minutes each month just to log into my account which I still CAN NOT to pay. Please note that I am a stalking victim ( well documented to the FBI, DOJ, FCC and other agencies ) by Delaware State Police, Troop # XXXX and this credit card originates out of the state of Delaware. I am at the point that I do not want to pay the bill since I am not sure that the payment is being applied to the proper account when I am unable to log in to verify the transaction. This is illegal!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX sold this account to XXXX XXXX. XXXX XXXX hired XXXX, XXXX and XXXX XXXX XXXX XXXX to garnish {$8000.00} from my income. Approximately {$1600.00} was collected through XXXX XXXX XXXX in XXXX, Virginia through this garnishment. A payment plan was installed with XXXX XXXX and XXXX XXXX XXXX XXXX for the remaining amount to be paid in the amount of {$130.00} due on the XXXX of each month beginning XX/XX/2022. Payment plan is active and current as of XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX sold this account to XXXX XXXX. XXXX XXXX hired XXXX, XXXX and XXXX XXXX XXXX XXXX to garnish {$8000.00} from my income. Approximately {$1600.00} was collected through XXXX XXXX XXXX in XXXX, Virginia through this garnishment. A payment plan was installed with XXXX XXXX and XXXX XXXX XXXX XXXX for the remaining amount to be paid in the amount of {$130.00} due on the XXXX of each month beginning XX/XX/2022. Payment plan is active and current as of XX/XX/2022.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-16
Company: CITIBANK, N.A.
State: IL
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
XXXX of XXXX I booked a hotel for XXXX XXXX on XXXX using a credit card by citibank. 
XXXX of XXXX my identity was stolen and fraudulent charges made on the citibank card. Citibank said I am not responsible and took care of it. Within a week or 2 we closed that account. 
XXXX XXXX I canceled the hotel and XXXX said they could only refund to original card so they did. 
I called Citibank and was told I would receive a check after 6-8 weeks. 
3 months later now XXXX XXXX I called Citibank and asked about the refund. They said it was credited to the fraudulent account?! How can that be if it was closed? I asked for this money and they said they ca n't do anything about it but I should contact XXXX. I did that and XXXX said the transaction was complete and Citibank has the funds. I was told to call Citibank! 

At this point I believe Citibank is the one who needs to give me my funds back. 
It seem when the account is closed they will be happy to allow money in but not out. I just want my refunded hotel amount 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 2015-05-12
Company: Seterus, Inc.
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I requested complete verification of my Mortgage the transfers the title information and I have not received any of the information. I dont receive Monthly statements, I have no idea as to how the current balance became what it is and none of my questions are ever answered. I sent in pre approved Modification papers to Seterus and XXXX and have received nothing back no funds were accepted.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC
Product: Credit card
Issue: Billing disputes

Complaint:
I have a Kohl 's credit card ( managed by Capital One ) account with automatic bill pay set up. The bill pay was rejected by Kohl 's. I called for an explanation, because as far as I can tell the information was entered correctly. Kohl 's told me to contact my bank to confirm that. I called XXXX XXXX XXXX to confirm that my account was correct, but found that when I logged into the Kohl 's online interface, while I could see my full routing number, I could only see the last XXXX digits of my bank account. XXXX XXXX XXXX suggested that I call Kohl 's for the full information that I gave them. I called Kohl 's back and they told me there is no way for me to find out what information I typed in there and they could not tell me because they themselves could only see what I see. They can only tell me the final XXXX digits of my account. Without being able to check if the bank information I entered into my Kohl 's account is correct, I am unable to investigate this matter further on my own as to why the payment did not go through. How can a company like Kohl 's withold my own personal information from me that I gave to them? After I gave them the required identifying information to prove that it was my Kohl 's account? I do n't want this negative information on my credit report, but neither company is helping me find out what really happened, if it was indeed mis-entered information or if there is a mistake on their end. I feel totally disempowered.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-22
Company: Home Point Financial Corporation
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a notice on XX/XX/22 that my mortgage would be transferred from HomePoint Financial to a different servicer, XXXX XXXX, as of XX/XX/22. This appears to violate the 15-day notice requirement under 12 CFR 1024.33 ( b ).

In addition, the notification did not provide any contact information for the transferee servicer, which also appears to violate 12 CFR 1024.33 ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: EQUIFAX, INC.
State: GA
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 been disputing fraud ACCOUNTS on my credit report. The accounts are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the accounts claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the accounts immediately! 
XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$62.00} XXXX XXXX XXXX Balance : {$40.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1800.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$840.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
I submitted an application for auto loan refinance. I have been receiving unsolicited mail and email offers for an auto loan refinance for the past XXXX months from Capitol One. Based on this information I submitted an application. I was denied the loan. When I submitted my application I believed based on being harassed with mail from Capitol One I would be approved. I feel this is false advertising an I was unfairly tricked by Capitol One with so many letters of approval that I would be approved without a problem. The denial of the auto loan was a complete shock. I believe their tacticts are unfair. As a result of the denial of my application my credit score was harmed causing damage to my credit score by placing a hard credit inquiry on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act the listed accounts below have violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681 XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act the listed accounts below have violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681 XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2016-06-27
Company: Merchants and Professional Bureau, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
These XXXX collections, all the reference number, just appeared on my credit reports. No notification, no letters. Just straight to my credit report by Merchants and Professional

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: SYNCHRONY FINANCIAL
State: FL
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:
This bank lost my {$4000.00} Cashier 's Check that I mailed to their physical address via XXXX Registered Mail on XX/XX/2023, received on XX/XX/2023 and signed for by a XXXX XXXX on XX/XX/2023 at XXXX. This bank has absolutely no clue what happened to my check. I opened a case. I asked for a full investigation. I asked this bank to ask XXXX XXXX what he did with my check after he signed for it. This bank claims they fully investigated this matter and closed my case. The {$4000.00} is still owed.

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 2023-04-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
i have paid off most of my credits cards and the companies are not removing the late payment reports and it is hurting my credit score.

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 2020-04-18
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: Account status incorrect

Complaint:
Equifax does not have a currently working customer service phone option and I am unable to log in. I contacted Equifax by email and received no response. 

Equifax is the only credit reporting agency that does not have a direct dispute option that I can access. 

Equifax recently " updated '' my XXXX XXXX that was closed and paid off in full to XXXX XXXX as " late payments. '' This is not the case the account was paid on time. 

Equifax also has a HARD INQUIRY on XXXX XXXX, XXXX by XXXX that was not authorized and needs to be removed. 

XXXX XXXX  XXXX Payment History Changed 100 % 75 % On-time payment percentage as of XXXX XXXX, XXXX On-time payment percentage as of XXXX  XXXX, XXXX It looks like your payment history was updated or corrected. If you're not sure why this happened, you could contact your lender to find out more. 
The XX/XX/XXXX status for your XXXX XXXX  XXXX credit card was updated from " current '' to " 30 days late ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act 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 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 2022-04-22
Company: Parkway Financial Group, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/22 an official request was made with my lender Inspire Home Loans servicer XXXX XXXX to begin the BPO process to remove the mortgage insurance and escrow payments from my mortgage.

A Brokers Price Opinion ( BPO ) would be required to assess the current value of the home. 

On XX/XX/22 an automated email was sent to me saying the request was being forwarded to the loan specialist department. 

No contact was made by the lending company over the next few weeks. 

On XX/XX/22 I reached out via phone to the lending company again and asked for an update on my request. At that time the lending company charged and withdrew a {$150.00} BPO fee from me and stated an appraiser would be on calendar to visit my home and give the new appraised price.

A few weeks went by and there was still no contact by a BPO appraiser or the lending company. 

On XX/XX/22 I reached out to the lending company via phone requesting an update. At this time the phone agent XXXX informed me my {$150.00} payment was mistakingly applied to my principal balance and that the process to re-appropriate the funds and schedule a BPO appraiser to visit my property would not take place until XX/XX/22. 

At this point it will be close to two months from the original request to the time someone finally comes out to my property for the BPO appraisal. 

Consumer protections state this process should be timely and communication should take place throughout the process. The experience with Inspire Home Loans and XXXX XXXX have been neither.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am a victim of identity theft. I have attached documentation. Several years ago my bank, XXXX, had a data breach. My sensitive information including name, social security number, date of birth and address were sent to over XXXX people. Several accounts were open in my name without my knowledge or consent. Later, XXXX had another leak related to a XXXX account which gave away my information again. I have attached documentation. Several accounts were opened in my name as well as several inquiries. I disputed the following inquiries and the company responded saying that inquiries had to be addressed directly with the creditor. I mailed each creditor and did not receive a response. I found incorrect information on my credit file and I disputed this directly with the creditor and the credit reporting agency and no investigation was ever made. I followed the rules under the Fair Credit Reporting Act and this agency has not honored my right to dispute the following inquires : AN # 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 AN # 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 2015-06-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I had a credit card account with Capital One which I closed because of poor customer service. At the time of closing there was a credit balance in the account. According to Capital One I will have to wait 60 to 90 days to get a refund check. This is an outrage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-22
Company: Augusta Collection Agency, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In 2017 I was transferred to the XXXX  and after a while XXXX XXXX XXXX sent a surprise bill with astronomical fees added and refuse to file this against my insurance .They have put this on my credit report and damage my credit and financial well XXXX XXXX XXXX has a history of mistreatment patients with surprise medical bills for many years and need to be investigated thoroughly! Please assist me in getting legal action against this company for damages and charging a {$2200.00}. fee for a local transfer to the XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act 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 2020-08-04
Company: Experian Information Solutions 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$7500.00}, {$8100.00}, {$5700.00}, {$7000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7500.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8100.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5700.00} -This is not my account. 

4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7000.00} -This is not my account.

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