BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-05
Company: EQUIFAX, INC.
State: IL
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:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-09
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I made a timely payment to XXXX Bank for my XXXX credit card payment beginning with XXXX. Due to an error on their end it was not processed and incorrectly reported to all credit bureaus. XXXX Bank agreed to notify all XXXX credit bureaus to remove the late reporting on my credit report and issued a letter on XXXX XXXX, 2015. I notified Experian on XXXX XXXX, 2015 and on XXXX XXXX, 2015 to remove this incorrect information from my report. I also called them and uploaded the letters from XXXX Bank on their website. Despite numerous requests they have not removed this information from my credit report. The other XXXX agencies XXXX and XXXX have removed this information as of XXXX weeks ago. These actions by Experian are in violation of the credit laws established as they have not adhered to the XXXX or XXXX day deadline from my XXXX/XXXX/15 notice. Please have them correct this immediately. 

XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I was applied and approved for a Capital One Platinum MasterCard. I received the card in the mail to my residence of over 21 years. When I called Capital One to activate my new card, I was informed that my account was flagged for possible fraud. I was transferred to a fraud specialist who told me I needed to send them a copy of Drivers License and provided me with an email to attach the copy. He assured me that someone would call me within 5 business days after the receive my documents. After about a week, I called to follow up and was told that I needed be patient as the account was still under review. I waited an additional 2 weeks to call again. This time I was told that they needed a copy of my ID ( front and back ) and I had to submit a new copy to them. I reviewed the original email they sent and it did not specify front and back copy of my id was needed. The rep I spoke to agreed that it was n't on the email and he apologized. I went ahead and sent them a new copy of my Driver 's License front and back this time along with a copy of my passport. Again I was assured that someone would call me back in about 3 to 5 business days. After about a week I called in and of course I was told that my account was still under review and to give it a few more days. I gave it another week and this time when I called in, I was placed on hold after I explained my situation to the rep XXXX who said he was in Florida. It was then that I was told that in addition to my drivers license copy, they also needed proof of residency and that I needed to send them a copy of a utility bill. I informed XXXX that I was never asked to send in proof of residency and that the email they sent me only requested a copy of my Driver 's license and the new email was n't very clear as to them needing a front and back copy. I even took it one step further and provided a copy of my passport. It seems that no matter what I do to, it will not be enough as every time I send in what is asked of me, Capitol One will change the requirement, miss-inform me and delay the activation of my account. XXXX claim to be a supervisor and would not transfer me to anyone else who could resolve my issue. 

I see several complaints from other consumers in the last 5 years over the same issue. Iam going t talk to my attorney to see about filing a class action lawsuit against capitol one. 

I am also going to file a complaint with who ever is in charge of regulating the credit card/banking industry. This is very frustrating and has to be resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
we have been doing with capital one for months and we dealt with and XXXX XXXX and had no kind of resolution with her because she would tell us one thing and it was something else then I found XXXX complaints with the XXXX office and received letters from XXXX XXXX who every time we called it was a busy signal so there was no communication and they claim they called but left no messages so we did not know what was going on now they select a collection agency one day and were sick of this without eating any kind of proper communication with Y we are ready to sue so this is our last resort we want to settle this but every time we call XXXX XXXX XXXX there 's a busy signal a capital one headquarters in Virginia we are tired of being XXXX over and being the blame so something needs to be with the way that they so call communicate with people

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
XX/XX/2013 a " 2nd Chance Checking Account '' I had opened 2 years earlier with Chase Bank was subjected to a series of fraudulent transactions via unauthorized withdrawals and associated activity online. After notifying Chase of the issue, the items and all related charges were removed and/or reversed from my account after some significant challenges in working with their Fraud unit. However, a few weeks later I was once again notified of the issue with a demand for action. I once again contacted Chase and explained we had already had that conversation, and that they had ( begrudgingly/reluctantly ) agreed to remove the charges and fees and put the account back in good standing. After yet more wrangling with them, Chase once again agreed to remove that charges and fees and put the account back in good standing. Yet a few weeks later, I once AGAIN received a demand for action from Chase. In spite of their repeated agreements to remove all the charges and fees and reinstate the account in good standing, they continued to put it back into a collection status after agreeing not to do anything further. That particular account has since been listed on my XXXX XXXX account, thereby preventing me from opening any other accounts due to the nature of the Chase closures. Adding insult to injury, much of the balance they kept putting back on the account after agreeing it was not due, came in the form of fees not in any way associated with any actual authorized transactions, and I had in fact repeatedly notified them of the issue yet they kept both charging me and adding more to it after agreeing not to do so.

Company response to consumer: Closed
Consumer complaint received 2021-04-05
Company: AMERICAN ADVISORS GROUP
State: PA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
AAG Loan Officer XXXX XXXX abused and harrassed me repeatedly. After I pointed out mistakes on documents she sent to via email. She contacted me on a phone number I didn't give to her. I explained I bought that phone for a friend 2years ago, please don't sent any personal information to that number, she continued to send text to the number about my reverse Mortgage application. I asked her to stop. She continues to use the number and escalated the problems. I informed her I wanted a different loan officer and requested a change from AAG. I told her not to contact me anymore, but she continues to demand I obey her. I'm elderly, permanently XXXX and partially XXXX. She just threatened to cancel my loan if I didn't call her back. No reply from anyone at AAG XXXX CA

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have contacted Capital One Auto Finance, several times since XX/XX/XXXX, as well as contacting the credit agencies to inform them that there are duplicate credit inquiries on my credit report. I have asked both to remove the duplicate entry. It was reported on my credit report as of XX/XX/XXXX. All I am asking is for the duplication to be removed ; however, the lending agency has ignored my previous requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18
Company: GREAT WESTERN BANCORP, INC.
State: NE
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Multiple contacts by the lender to attempt collection from me on XXXX loans which were XXXX under chapter XXXX bankruptcy. The lender also has continued to report an active updated payment status monthly to the XXXX major credit bureaus.

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 2017-01-11
Company: Santander Consumer USA Holdings Inc.
State: AZ
Product: Debt collection
Sub-product: Auto
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
Chrysler Capital with collaboration with XXXX XXXX XXXX of XXXX XXXX and XXXX had processed auto-financing documents in a knowingly false manner. I am a service member of the United States XXXX XXXX and what they did was unethical, immoral, and illegal. I was presented my financial agreements in a false manner. Down payment information and trade in value were improperly valued.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I hired an attorney to help me after my mortgage servicer, Carrington Mortgage, denied me for assistance in saving my home. I fell behind due to XXXX XXXX. My attorney says they emailed the servicer and faxed a 3rd party authorization and now Carrington Mortgage is telling my attorney it takes 30 days for their authorization to show up in their system. This is just more games Carrington is playing. My attorney says 30 days is not consistent with what is reasonable. RESPA Regulation requires servicers to respond to requests for assistance in a timely manner. Blocking out my attorney from simply speaking to them is a form of evading my request for assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02
Company: Santander Consumer USA Holdings Inc.
State: VA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I applied for a loan on Saturday to get a car and found out that Santander was reporting me as late four times for 90 days. In actuality, I requested Santander to pick-up my van XX/XX/XXXX as a voluntary repossession. They repossessed it a few days before XXXX XXXX XXXX. XX/XX/XXXX, they contacted me acting as if I still had the car. I had to contact the company that had repo'ed the car to provide proof that it was not returned to me. Fast forward to this past Saturday when I found out that XXXX has never reported the repossession but has it as if I still have the car but am in arrears! The last time they reported was in XX/XX/XXXX which dropped my XXXX credit score from XXXX to XXXX! As a result, I was unable to received bank financing for a car!! Since they have reported me 90 days late since they repo'ed the car, I suspect my credit score has been taken a hit since then. This caused me not to be able to get a house through FHA because my score was too low!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-09
Company: Army and Air Force Exchange Service
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
A fraudulent credit account was opened in my name subsequent to the XXXX computer hack. I closed the account as soon as I found out, first with a phone call, then with a follow-up letter per the instructions given in the phone call. 
Months later, I received a collection letter. I replied to this letter, including the documented account closure and envelopes of mail pertaining to the fraudulent account which my alert postal carrier had re-routed to my address. 
My complaint is that I requested all documentation pertaining to the fraudulent account opened in my name, citing my rights under the Fair Credit Reporting Act. Military Star has not complied with this request. Also, I do not know whether AAFES plans to pursue payment of the account ( especially since they send mail to an incorrect address - I 'm lucky my postman delivered at least some of the Military Star mail to me. )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: Experian Information Solutions Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Experian ( XXXX. XXXX  XXXX XXXX, TX XXXX ) is reporting information on my credit report without my consent or acknowledgment this and a few other infromation need to be removed from XXXX XXXX credit report XXXX XXXX  {$2500.00} Closed 2 charge-offs Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Rental Agreement Balance on XX/XX/XXXX Loan Amount {$2500.00} {$3700.00} Payment Info Status Charge-off Status date XX/XX/XXXX Past due amount - Original loan amount {$3700.00} Monthly payment - Late payments XX/XX/XXXX XX/XX/XXXX XXXX XXXX View more XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 30 60 90 120 120 CO CO - - - - XXXX - - On Time CO Charge off XXXX Days Late 30 Days Late 60 Days Late 90 Days Late - Data Unavailable Additional info Responsibility Individual Terms 30 Months Company sold - Original creditor - Comments - Your statements - Contact XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail.

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 2021-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
The open date on each account has different months on it, which is no possible way the accounts were opened on 3 different days. Collection/chargeoff account showing balance and that's violation under FCRA.

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 2015-07-27
Company: Brown and Joseph, Ltd
State: KS
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I was contacted at XXXX CST by a XXXX XXXX . She asked about an outstanding invoice with XXXX XXXX. She asked if I was having financial difficulty, I told her no, that my contract ended. I was obligated to pay 6 months, I paid that. She asked if I read the terms and conditions of my contract, I explained that I had. I told her I had a copy of my contract I would send her that states the effective end date and a highlighted portion that shows the automatic rollover clause was NOT effective per my request. XXXX said I had to pay immediately, I told her I was not paying something I did not agree to pay, when I hung up the phone, she immediately called back, I sent the call to VM. XXXX then called back immediately a XXXX time.I sent that to voicemail. She the called my employer, asked for " Who ever was over me '' and then complained that I was rude.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: MoneyLion Inc.
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2021 at XXXX XXXX I received the following email : Hello, We have closed your XXXX account per the Demand Deposit Account Agreement. This account is not eligible to be reopened. 
We will attempt to return the funds in your account to the originator. Please contact the originator if you require access to these funds, as MoneyLion Customer Care is unable to redirect these funds for you. If the funds cant be returned to the originator, they will be sent to your state of residence upon reaching dormancy per your states laws, which varies depending on the state and can take up to 3-5 years.

Respectfully, MoneyLion Support XXXX demand deposit account provided by, and MoneyLion Debit Mastercard issued by, XXXX, XXXX XXXX, Member FDIC. XXXX is a service mark of MoneyLion, which offers the XXXX Account among its suite of financial products and services. Mastercard is a registered trademark, and the circle 's design is a trademark of Mastercard International. Funds are FDIC insured, subject to applicable limitations and restrictions, when we receive the funds deposited to your account. 


I called customer service and was told that there was no update on my account and that no information could be given regarding how or when I will receive back the {$1800.00} that was in my account at the time of closing. I was not informed prior to this that my account would be closed, nor was I given the opportunity to withdraw money from my account prior to closing. I was also given no reason why the account was closed and no means to retrieving my money from the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-02
Company: PHH Mortgage Services Corporation
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have had problems with PHH Mortgage crediting my payments since they took over my mortgage loan. I have called to sort out the issues on several occasions to no avail. They are currently harassing me for non-payment when I am actually at least 1 month AHEAD in my payments not to mention I pay a little extra to equity each and every month. They are charging undue fees and marring my credit because of their poor bookkeeping. I need a full accounting of my account, any and all fees/charges refunded immediately to my account and my credit restored to any and all reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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 2021-04-05
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Credit card company Goldman Sacks mailed Apple credit card not applied for by myself. XX/XX/XXXX collections called requesting payment for {$32.00}. I tried to pay at that moment but was told I was not able to do so. I requested the land address to mail payment to Apple. I was provided case number XXXX and mail to Goldman Sachs Bank USA, XXXX XXXX XXXX Branch XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX. I mailed this {$35.00} check to that address and as of today they say It has not arrived for processing. The time and efforts put into this at the point is such that I personally resent this time spent on this matter. Today I provided Goldman Sacks with the number of the check and the day it was written XX/XX/21. They are continuing to hound me for the {$32.00} payment. They suggested I fill out this complaint as not initiating this account could indicate fraud regarding someone filling out the application in my name and activating the account when I did not activate it. But someone did. Today the {$32.00} remains outstanding. Please help to clarify my situation, Thank you

Company response to consumer: Closed with explanation