BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Problem with personal statement of dispute

Complaint:
I did a modification in the year of 2015 they are claiming that I owe over {$400000.00} on my home I did not take any money out of my home Ive never owned that much money on my home I need help Ive talk to an attorney they sent over a letter I have not got any response from XXXX they keep sending me the same paperwork over and over again stating that it is valid I dont see it in the paperwork I dont understand it I never pulled any money out of my home so that being said I dont believe I owe this. They added principal twice on my loan which does not make any sense to me please help

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 2015-09-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I received a call from XXXX from capital one. I returned the call and he explained to me that there might be options available for my account I explained to him I was already told that there was n't and he insisted that I be transferred over because there was options available he also left that message on my voicemail. He was not polite when I asked him about the issue and refused to give me the address to the legal department so I could send in a writ and summons from XXXX court. The court requires that the address is verified by the defendant. Also I asked him if the supervisor could give it to me and he replied there is n't any supervisor. He accused me of not cooperating with the representative XXXX after she asked me XXXX question and I answered it and she asked me the questions again which was what caused you to fall behind and I told her I was sick he accused me of not answering financial questions when she never asked. I told him if I was n't given a legal correspondence address I would file a complaint with the CFPB XXXX XXXX encouraged it and said he 'll address it when he receives it. XXXX is not trying to resolve issues with customers. If this matter is n't settled capital one will be sued for each and every call of harassment from the company. XXXX said that capital one calls when you fall behind and sends text messages. The was n't any prior authorization to text and also they called repeatedly several times a day back to back.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I applied for a mortgage refinance with Capital One Home Loans on XXXX XXXX, 2016. The agent I worked with is XXXX XXXX ( XXXX XXXX ) and XXXX XXXX. I provided the documents they initially requested and sent my details and they ran my credit. We agreed that if I cancel my application after I accept their offer my Capital One credit card will be charged {$450.00} but if they decide to cancel it will be at no cost to me. While performing their title search they requested additional information regarding the mortgage of previous owners of the property ( the XXXX owner before me ). For this information I had to reach out to the lawyer who had helped me when the property was transferred to me. They also requested a copy of the lease agreement which I explained to XXXX XXXX I would have to reach out to the person managing the property on my behalf and there would be a delay before I can provide the information required for the title and lease agreement. 

I received a voicemail from XXXX XXXX on XXXX XXXX requesting that I send the lease agreement to XXXX within 24 hours, as well as, provide an update on the title, otherwise they would cancel my loan. I sent documentation I had received from my lawyer regarding the title on the same day ( XXXX XXXX ) and forwarded the lease agreement as soon as I received it on XXXX XXXX ( within 24 hours ). 

I called their appraiser to schedule an appraisal for the property as planned but found out from the appraiser that my loan had been cancelled. I checked my account and found that I had been charged {$450.00}. Neither XXXX or XXXX sent an email or called to let me know the loan had been cancelled and I would be charged {$450.00}. Subsequently I sent emails to XXXX and XXXX to get an explanation but did not get a response. I also sent emails to XXXX 's manager, XXXX XXXX but did not get a response. I called and left voicemails but still did not get any response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: EQUIFAX, INC.
State: SC
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:
To whom it may concern : I have written several asked for evidence supporting the inaccurate entry being reported by XXXX for XXXX XXXX. 

I have repeatedly asked for evidence to support the inaccurate reporting, but yet, again, they have failed to provide me a with a a copy of ANY viable evidence submitted by XXXX XXXX substantiating their claims. Furthermore, I have requested the method of verification, to which there was no compliance, which is a an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ). 

I have maintained careful record of my communication with XXXX per XXXX v. XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX. XXXX, XXXXXXXX XXXX XXXX  for liability and willful non-compliance. They have violated federal law but not properly investigating within the required timeframe and the item should now be removed due to inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
experian reinserted negative information from us dept of ed. which had been disputed and cleared one year earlier, after months of disputing information and providing proof of inaccuracies, experian removed again, but now creditor continue to state that experian is reporting negative information on XXXX accounts while my credit report has XXXX negative accounts.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: EQUIFAX, INC.
State: FL
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:
I spoke with creditor XXXX this remark is NOT accurate. This account has been paid off and on time. XXXX said they sent a notice to the credit agencies why hasn't this been fixed. 

XXXX XXXX AUTO Fix this ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 AM A VICTIM OF IDENTITY THEFT. SOMEONE HAS STOLEN MY IDENTITY AND HAVE CAUSED ME A LOT OF EMOTIONAL DISTRESS. PLEASE INVESTIGATE THESE FRAUDULENT ACCOUNTS AND REMOVE THEM FROM MY CREDIT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-31
Company: DISCOVER BANK
State: NE
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:
3 Hard Inquiries on my credit report not authorized by me. Believed they were caused by identity theft. 

1 by XXXX XXXX XXXX date = XXXX 2 by Discover Financial Servi XXXX dates XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-14
Company: DISCOVER BANK
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I open a new account with Discover card, I was offered a balance tranfer promotion of 14 mo at 0 % ; but was never disclosed a {$69.00} transfer fee. I want the charged removed. I called Discover and was disconnected twice and had to start allover again and was transferred several times and waited for periods of time until I was told someone will call me back, but not sure when (? ). Almost 2 hrs on the phone and no resolution. Throughout the calls and several phone transfers I was told that Discover doesn't refund transfer fees and that they needed to listen to the call, this is a scam and shady business practices. The information on this charge is not disclosed upfront. There was no resolution at all, just pushing me around and on hold for long periods of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Kindly my oldest credit card of almost 2 years XXXX XXXX is not showing on my " Equifax '' credit report although it 's showing on my XXXX and XXXX reports, I contacted my creditor XXXX and confirmed that they are reporting to Equifax but Equifax refused to add it to my report for some reason I could n't even know, I have been trying to resolve this issue for months with no luck, mainly due to Equifax being a horribly structured company where they asked me to get XXXX in a conference call to be able to help me and when I did that after a few days Equifax said we are sorry we ca n't help you nor transfer you to any department who can help you. 
Worst experience of customer service in my life is dealing with Equifax , I honestly ca n't believe how they are still in business!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: BAM Management US Holdings Inc.
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I was the victim of an elaborate XXXX  XXXX  scam that started on XXXX XXXX of 2021. I hired an investigator who helped me track down my funds after I discovered it was a scam and they found that the scammers were keeping my funds in a Binance wallet. I tried to provide the information that Binance.com requested after I told them that I was scammed on Friday, XX/XX/XXXX ( today ) but they said that it was insufficient even though it shows the wallets that I sent money to ( the scammers ) and if you look at the XXXX, it gives the transactional details and shows the accounts where my funds are located. I asked them what they would do with the information that I provided, and they said they would not provide me a refund without a request from the police, even though they are still responsible for allowing criminals to commit crimes through their platform. Cryptocurrency platforms are obligated to abide by the Anti-Money Laundering Act just like other financial institutions. I lost {$19000.00} to the sophisticated scammers altogether and they need to give me my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Experian XXXX refuse to remove these fraudulent trade lines from My credit report XXXX refuses to remove both XXXX account for {$410.00} and {$420.00} also experian refuses to remove these 2 new accounts XXXX XXXX and XXXX card as well and also XXXX refuses to remove XXXX and XXXX card I have a police report they will not remove it and fcra by law states you must remove these fraudlant accounts within 4 days

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 2018-01-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I submitted a dispute against Capital One to all 3 credit reporting agencies. Capital One advised XXXX to DELETE Capital One account from my credit report. XXXX has deleted all information about my Capital One account as if the past 5 years of excellent credit with them did not exist. Capital One does not have the right to have any information deleted from my credit report!!! And the credit reporting entity should not have deleted information without consulting me first.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
i have charge offs late paymenst and accounts i do not reconized and need to be investigated

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 2022-01-31
Company: Experian Information Solutions Inc.
State: MD
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 AM A VICTIM OF IDENTITY THEFT. SOMEONE HAS STOLEN MY IDENTITY AND HAVE CAUSED ME A LOT OF EMOTIONAL DISTRESS. PLEASE INVESTIGATE THESE FRAUDULENT ACCOUNTS AND REMOVE THEM FROM MY CREDIT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XXXX XX/XX/XXXX we contracted XXXX XXXX to replace two of our HVAC units. The job was assigned to the contractor XXXX XXXX XXXX. The installation was completed on XX/XX/XXXX and financed by Enerbank, Loan # XXXX. At the time of sale the contractor offered us " Satisfaction Guarantee ' '' which allows us to request a full refund back. We've being having issues with contractors job. Specifically the units are not operating properly and the Contractor failed to schedule the XXXX State Required Inspection. On XX/XX/XXXX we started a dispute on the charge paid by EnerBank to the contractor on my behalf. The dispute was for aforementioned reasons. As a consumer I never agreed to purchased inoperable units, and definitely I will not accept any un-permited work, by the State of XXXX, on my Property. The Contractor agreed to refund XXXX from the original loan which was XXXX. The XXXX $ where paid back to Enerbank on XX/XX/XXXX. The remaining balance is still under dispute. I am filling this complaint against Enerbank because : 1 ) Enerbank is trying to charge me interest while we still have an open dispute on this charge. 
2 ) Enerbank failed to send me a notice which 30 days, acknowledging the Dispute we started on XX/XX/XXXX 3 ) Enerbank failed to resolve the dispute with two billing cycles required by law. 
An acceptable resolution for this case is for Enerbank to collect the remaining funds paid to the vendor because the contractor failed complete the job successfully.

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 2015-11-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card
Issue: Credit determination

Complaint:
I once had a credit card from capital one which i had paid off and i was never late the account was established since XX/XX/XXXX i was never given the opportunity for an unsecured credit card the account went in-active so in XX/XX/XXXX of this year i was applying for another secured credit card of which i was talked in to applying for an unsecured card after they company looked at the account. I explained to the supervisor that i was a victim of identity fraud and my score was low and they said not to look at that because i was a great longstanding customer and when i applied as they suggested me to i was turned down so i recently submitted another application for another secured credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I received an undated letter by US Mail on XX/XX/XXXX, from Cardmember Service ( Elan Financial Services for Fidelity Investments ) XXXX XXXX XXXX XXXX ND XXXX. 

" To keep your [ Fidelity Visa ] card open, make at least one purchase by XX/XX/XXXX. '' ( [ sic ] XXXX of last year ) Elan Financial contacted me only by regular US Mail ; they admitted not attempting to send email nor call me by telephone before cancelling my Visa account. ( They certainly have all my contact information through Fidelity. ) The actual Fidelity Visa credit card shows its expiration date as XX/XX/XXXX, but the account was closed by Elan Financial last year because I had not made a purchase in 24 months. I have had this same card since XXXX with a {$31000.00} credit limit ; I used it for emergencies ( life events ). There were certainly longer prior periods of disuse, so theirs can only be a brand new policy. 

I spoke with Elan financial Services on Sunday XX/XX/XXXX, and spoke with Fidelity Investments on Monday XX/XX/XXXX. Because I was not able to respond to their paper letter within 30 days, Elan Financial refuses to reopen the account nor will they agree to issue a new Visa card with the same credit limit. The only path forward they offer is to reapply for a credit card, with no guarantee of achieving the same credit limit. 

This is not merely an inconvenience. I have depended on this card to pay for things like a funeral and a cemetery plot ; things in life you can't plan for. Elan has rendered me insolvent, and has negatively impacted my credit rating. Further, Elan Financial closed this Visa account without my authorization, even though my several other Fidelity accounts were active.

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 2016-06-06
Company: Seterus, Inc.
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have gone through the deed in lieu process fully with Seterus 3 times since XX/XX/XXXX. I have had a horrible experience working with Seterus throughout this process and each time the deed in lieu has been denied due to the bank 's lack of communication with me. XXXX XXXX was assigned to handle the deed in lieu of my property and rarely did she return my numerous calls. When I would call customer service, there was always some new document I needed to submit or some new reason as to why the deed in lieu was denied. I have done everything I was supposed to do on my end and submitted all of the necessary documents. Because communications to me from Seterus were minimal, documents for the deed in lieu constantly expired and I had to restart the process at least 3 times. At this point I am frustrated and believe that Seterus is being negligent. The customer service I have been receiving from Seterus has been subpar and my last call on XXXX XXXX, XXXX was completely unacceptable. I learned again that the documentation had expired when the deed in lieu should have gone to closing by this point. No one has been contacting me to keep me updated or to make requests for my assistance when other parties connected to the property were supposedly being unresponsive. Frustrated, I asked to speak with a manager, because at this point I want a solution. He told me I needed to resubmit documents that not one person had asked me to resubmit the entire year I had been working with Seterus. Once again, each time I call there is a new excuse. I requested that one person be able to handle my account, because it seems that there is no standard of communication, and that request was denied. The manager spent much of the call insulting me, telling me that I was " crying over spilled milk '' numerous times and lectured me on my " obligation '' to pay the loan. He was completely unconcerned about my situation and after his rudeness continued I ended the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-09
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I was in a car accident with my XXXX Honda Civic and it was a total loss. The car was paid off by the insurance company but my credit report still showing the car lone is unpaid. So I would I the information to be updated and to have my credit score adjusted.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
In 2014 I pulled up my credit report to view it and seen there were XXXX addresses tied to my name and the were sending me debt collection bills. I immediately went to make a police report and stated that I had never lived in that city. I recieve harrassing calls from Pro Collect Inc., even after I have already sent in all my documentation showing proof that I never resided there.

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 2016-12-18
Company: N.A.R., Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
ORIGINAL DEBTOR XXXX 2 ) ORIGINAL DEBTOR SOLD XXXX. 3 ) TEXAS STATUE OF LIMITATION IS 4YS. DEBT IS OVER LIMITE. 4 ) SOLD TO NAR INC XXXX XXXX XXXX XXXX , XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation