BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I've been a loyal consumer with Capital One for a while now. On XX/XX/2021 I initiated a consumer credit transaction for a line of credit increase with my SSN also referenced by XXXX as a credit card, pursuant 15 USC 1602 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. '' The purpose of this consumer credit transaction was to obtain a credit card, I was denied access to my open ended credit. As a consumer, natural person, and original creditor I have an open-ended credit plan, it is unlawful to deny me of my own credit. I am requesting that your department reassess my consumer credit transaction/application and approve my application for a line of credit increase as a denial is unlawful, goes against congressional law and makes your organization civilly liable for non-compliance pursuant 15 USC 1681o , 15 USC 1640, 15 USC 1691e .

Further more, pursuant 15 USC 1691 ( a ) - Activities constituting discrimination, do so state " It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction '' A denial of my open ended consumer credit constitutes to discrimination. 

Pursuant XXXX XXXX XXXX XXXX and Duties of Banks and XXXX XXXX have power to borrow money, issue bonds and debentures, therefore you are unable to lend a consumer, natural person, and original creditor anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
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:
After reviewing my credit report I noticed that there were inquiries on my report that had n't come from me. I tried calling the companies and they said that I needed to contact the bureaus. I called the bureaus and sent multiple inquiry letters but they refused to investigate and remove the inquiries. They said that the burden of proof was on me and I needed to contact the creditors. I even contacted the  Presidents of the  companies via email ( all who had a Representative call me very quick ly ) but still did n't get results. I sent 609 letters requesting signed proof that accounts that I did n't recognize that the bureaus are reporting belong to me and each bureau just said that they were mine but without any form of verification.

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 2017-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
My Navient student loans acct under  XXXX   XXXX , account #  XXXX , is falsely reporting my loans as past due 120 days PLUS when my loans have been in Voluntary Forbearance from the beginning and have been re-certified Voluntary Forbearance to current date. BOTH my credit reports & credit scores have suffered due to this falsely reported data.      XXXX  refuses to correct the incorrect data supplied to all   XXXX   credit bureaus & the mistake has caused me financial damage/harm because I have been denied loans & have been given loans at higher rates than they should because of this reporting which is the ONLY NEGATIVE ENTRY ON MY 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 explanation
Consumer complaint received 2022-04-28
Company: Affirm Holdings, Inc
State: NY
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 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under + open end consumer credit plan as late for any purpose.

8394

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is truly a misrepresentation of the law. Im just confused and feel abused by unethical procedures that are taken place. My kids can be homless because of the fraud. I have studied the regulations committed to protect the consumers from fraud and any inaccurate information on there credit report.

You are validating information that cant be validated unless if all parties in the matter are interviewed and giving a statement. The person who in fact stole my identity cant be interviewed because we do not know who it is. You are reasonably justifying these accounts but thats impossible because these accounts arent mine. According to FCRA 15 U.S. Code 1681c-2 Block of information resulting from identity theft within 4 days. I have submitted all the documents required according to the FCRA to have all accounts removed. This is completely wrong. I am a victim of identity theft. The data funishers can not say that these are my accounts. The information was stolen so you are validating accounts that shouldnt be on my report. You have 4 days in receipt to remove these accounts. Protect me from this fraud I am a victim. I am uploading all factual documents again. Thank you in Advance.

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 2020-10-12
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: Public record information inaccurate

Complaint:
I have been disputing the Bankruptcy that is reporting on this bureau. I have followed up with the XXXX  Case Summary, I have requested my XXXX report and in all the supporting documents I have found inaccurate and incomplete information that the bureaus refuse to remove. This misinformation is damaging my credit score and restricting my financial obligations in order for me to move forward. I would like this account removed 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 explanation
Consumer complaint received 2021-06-13
Company: Affirm Holdings, Inc
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is truly a misrepresentation of the law. Im just confused and feel abused by unethical procedures that are taken place. My kids can be homless because of the fraud. I have studied the regulations committed to protect the consumers from fraud and any inaccurate information on there credit report.

You are validating information that cant be validated unless if all parties in the matter are interviewed and giving a statement. The person who in fact stole my identity cant be interviewed because we do not know who it is. You are reasonably justifying these accounts but thats impossible because these accounts arent mine. According to FCRA 15 U.S. Code 1681c-2 Block of information resulting from identity theft within 4 days. I have submitted all the documents required according to the FCRA to have all accounts removed. This is completely wrong. I am a victim of identity theft. The data funishers can not say that these are my accounts. The information was stolen so you are validating accounts that shouldnt be on my report. You have 4 days in receipt to remove these accounts. Protect me from this fraud I am a victim. I am uploading all factual documents again. Thank you in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/XXXX, I reported to XXXX XXXX that one accounts had been fraudulently opened in my name on XX/XX/XXXX. XXXX XXXX instructed me to complete an affidavit, file a police report, and inform a major credit agency that I had been a victim of identity theft. I completed all these steps and was assured by XXXX XXXX that the matter would be resolved, and that I did not owe money to the bank. However, I continue to receive threatening notices from XXXX XXXX that I owe them. XXXXl XXXX is dragging their feet to look into my issue. They are in violation of Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ). 

XXXX XXXX then sold my account to LNVN Funding. Now I am fighting with LVNV funding and their questionable business tactic. Next, LVNV subcontractors debt account to resurgent Capital services which is both owned by the same company Sherman financial group.

LVNV is violating FDCPA laws! Please investigate LVNV & their questionable business tactic.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24
Company: CNG FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received multiple calls for a group representing Check and Go Online payday loan service. The Group called today from the number  XXXX  and I called back and spoke to a  XXXX , he was really nasty and condensending. I advise him I do not and have not ever used a payday loan service and never used online service to get a payday loan. I told im I am not the person they are looking for, and how to we resolve them constantly calling me. He had told me the las t 4 o f the ssn   XXXX   and that a debt for {$400.00} was made and attached to my number. This is the  4 tim e I 've spoken to this individual.   They have called me and threaten to come to my job, threaten a processor would come to my house, Threaten with legal action and I need to have an attorney make a statement for this debt. I told him that 's not my number, He then placed me on hold and came back with part of my SSN and parts of my DOB and said he would REMOVE my name from that Debt.   This DEBT is NOT mines Check and Go and its representative are operating outside the consumer protection limits. They are making threats and calling and harrassing with unverified information and are abusing consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Company: RANTAX INC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Confusing or misleading advertising or marketing

Complaint:
My tax office called Rantax frauded me out of XXXX then told me the IRS with held it because I owed but didn't give me an explanation of why I owed them for my XXXX taxes the amount they left me with was XXXX but when I called up to Rantax they told me I went up there to sign for it using XXXX of my old signature but I stated I never received it and someone must of went up there and acted as me I told him to run his camera back but he said they couldn't go back about XXXX months which I know is a lie then he text! XXXX and told me the IRS had my money I called them and they said it was sent out to him and I called him again only for him to give me the run around saying I'll give you the bank it was cashed at but never did only a refund advantage number which I know he is committed fraud

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-31
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have had these loans since XX/XX/XXXX. I started repaying these loans in XX/XX/XXXX. I had to defer them a few times and now the interest is outrageously high. I have been paying almost {$400.00} a month since XX/XX/XXXX. My balance seems to only increase. I was put on an extended payment plan. When I signed up for that a few years ago, it showed that my loans would be paid off in XX/XX/XXXX. I have not changed any thing since, yet now they show they're not due to be paid off until XX/XX/XXXX. I can not keep affording this payment. Every time I've called them to do a consolidation on these, I've been told that I can not do that. I currently have 13 different student loans with Navient all with different interest rates. I have a private loan through them as well, that I haven't done any deferment on and yet that one also has not decreased. This isn't right. I currently owe Navient almost {$46000.00} in student loans. I don't understand how I owe so much more than I ever borrowed. I don't understand why I have capital interest and compound interest that I'm paying on. According to my records I've paid around {$32000.00} to Navient already, yet I still owe {$46000.00}, because they take almost all of it in interest. My total before I started paying anything was {$63000.00}. My loans were originally with Sallie Mae.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24
Company: CL Holdings LLC
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Jefferson Capital s ystems is attempting to collect on debt that I never established a contract with them on. Without a contract there is nothing legally binding me to pay this company any money.At this time I will also inform you that if your offices have reported invalidated information to any of the  XXXX  major credit bureaus (  XXXX ,  XXXX  or  XXXX   ) t his action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports.      Jefferson Capital s ystems are in violation : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-24
Company: AFNI INC.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had a cellular account with  XXXX  which I transferred to another carrier in  XXXX .  XXXX  sent me a an incorrect bill for the month I transferred the service. I did not ignore the bill. I contacted  XXXX  and they confirmed that the bill was incorrect. I have this documentation in writing as a online chat transcript from  XXXX  that I will be submitting with this complaint.      XXXX  never corrected the bill. Rather, they first turned it over to collection agency called  XXXX   XXXX   XXXX   XXXX  in, and around,  XXXX   XXXX . I became aware of this when my excellent credit rating dropped. I immediately notified the  XXXX  credit rating bureaus and they removed this from my file when I provided them the  XXXX  transcript.      XXXX  in, or around  XXXX   XXXX , then turned it over to another collection company call ed Afni, Inc.   They reported it as negative on at least  XXXX  credit reporting agencies  XXXX   &  XXXX  . I again, reported it as a dispute and  XXXX  deleted if from my file. However,  XXXX  came back and reported to me that it was a correct bill based on the feedback fr om Afni, Inc. a nd still have it as a negative in my file.     On  XXXX   XXXX ,  XXXX  I wrote to both  XXXX   & Afni, Inc ou tlining the situation including the transcript directly from the vendor,  XXXX , that indicates the bill is not correct. They both have come back and reported to me that  XXXX  now says the bill is correct and   XXXX   will not remove it from my credit file and  Afni , Inc. indic ates they may resume collection activities.     Apparently if a vendor tells   XXXX   and  Afni, Inc that a  bill is correct, even if they have themselves verified it as a incorrect bill,  XXXX  and  Afni , Inc. will  take the word of the vendor over the customer. I have a  XXXX  plus year credit file with no negatives. This has been a tremendous amount of work and has negatively impacted m y credit score  by  XXXX  to  XXXX  points. I respectfully request that you assist me with resolution of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Company: WELLS FARGO & COMPANY
State: OR
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
During a mortgage refi application with Wells Fargo, their underwriters discovered a mysterious {$200000.00} XXXX of XX/XX/XXXX put on our property at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. Per the attached, I found the XXXX and I don't recall ever authorizing it. But we've heard of the institution that put it there. It's called Wells Fargo Bank. 

Between XX/XX/XXXX and today, I have been writing, calling, and encouraging Wells Fargo to tell us what that XXXX is, including their XXXX XXXX ( Branch XXXX ), XXXX XXXX, and others. I understand that they are a large bureaucracy, but half a year to get an answer is just too long. 

Getting an answer is important if we ever need to sell our property. A title company would ask about the XXXX, and we couldn't take half a year to respond.

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 2021-11-22
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I would like for the XXXX to show proof of verification that I owe them {$4700.00} with ACCOUNT XXXX. As of date, you have not provided me with a XXXX for my review and my records. I am asking that you do this now. 

In addition, if you reported this alleged debt as a loss to the IRS, I request that you pull this account back from any collection agency you may have placed it with or from any debt buyer you may have sold this to.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08
Company: RGS Financial, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not owe this company anything, all equipment was returned. This is false and a scam.    RGS Financial  #  XXXX  {$790.00} Requesting this be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24
Company: CITIBANK, N.A.
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:
I recently had my credit report pulled and saw a " Acct in dispute ''  for Citicards CBNA. The c redit report states that the account was closed back in  XXXX - XXXX  and even though I have had many many credit reports pulled since then, this is the first time " Acct in dispute '' has ever shown up.     The remarks on my credit report are : " Closed by Consumer ; acct in dispute ; acct in dispute under fcba/closed by consumer ; paid '' I am not sure what this is for or why it is showing " acct in dispute '' when the account is paid with a {$0.00} balance.     Please help me resolve.

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 2021-11-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Bank of America put a pending debit hold of {$880000.00} on my checking account and a hold on my checking account on XX/XX/2021. Theres was no reason for Bank of America to put a hold on my account or debit my checking account for {$880000.00}. No fraud has been committed on my checking account, and claims I made with Bank of America has been resolved by the merchant. I have my Bank of America XXXX XXXX in my possession, and no fraudulent transactions has been made on my Bank of America checking account : 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 explanation
Consumer complaint received 2021-11-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Bank of America failed to provide temporary credits although I requested so many times. XXXX stole my money 500 dollars and manager of XXXX promised to return back my money ASAP. I presented so many evidences through XXXX review of bank of America ( headquarter, XXXX XXXX ). 

I attached XXXX  statement and email response from them.

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 2021-11-22
Company: Netspend Corporation
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Netspend closed my account in XXXX with {$3800.00} left in my account, Ive been dealing with them trying to to release my funds but they wont release my funds to me because they said I need a XXXX form, I got my lender to send it and they still refuse to release my funds and I been dealing with this for months.

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