BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-11
Company: Bread Financial Holdings, Inc.
State: NJ
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: EQUIFAX, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have disputing these accounts with the three credit bureau XXXXothing as happen XXXX XXXX and Equifax have not acknowledged my claims after I've sent disputes as well as proof that these accounts do not belong to my person. Please removed these accounts as they fraudulent..

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-13
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have all these hard credit inquiries on my credit report which I did not approve. How can I get these removed? they all happened on XXXX XXXX, 2014. please help me remove these from my report? 

XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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 XXXX 2020 this writer used their Capitol One credit card to purchase VIP tickets for XXXX XXXX XXXX festival scheduled for XXXX in the amount of {$570.00}. 

On XX/XX/XXXX ( 8 days before the concert ), the Festival cancels/postpones the show. 

This writer contacts Capitol One after contacting XXXX XXXX for a refund as XXXX XXXX  Denied Refund. Capitol One was contacted mid XXXX and refunded this writers Capitol one Card in XX/XX/2020 for {$600.00}, {$570.00} for the amount of the concert tickets and {$18.00} in interest fees. 

XX/XX/2020 this writers see 's a charge of {$570.00} on billing statement and contacts Capitol One XX/XX/2020 to dispute charge. Capitol One states the charge is due to XXXX XXXX disputing the refund. This writer shared the Fair Billing Act appears to be violated in that services were not provided on said day and therefore a refund should be granted as payment was given and services were not received. Capitol One requested further documentation from this writer which was sent on XXXX to : TransactionSupport Center Capitol One XXXX XXXX XXXX XXXX XXXX XXXX UT On XX/XX/2020 this writer called Capitol One to get status of case and representative said aforementioned information was needed. This writer shared information was sent and a grievance would be filed with the CFPB.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-07
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: LA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
The last payment on my note was due on XXXX/XXXX/15. On XXXX/XXXX/15 I received an email from Nissan Motor Acceptance Corporation ( identical to the emails I have received every month prior ) stating that my payment would be due on XXXX/XXXX/15. This email stated : " If you are currently enrolled in XXXX of our automatic payment programs, your payment will be automatically deducted. '' I have been enrolled in the automatic payment program for some time ( possibly since the inception of the loan ) so I naturally assumed that my last payment would be automatically deducted. Today I received an email from NMAC stating that I have an overdue balance. I called NMAC and explained the situation to a customer service representative. I was told that the last payment can not be automatically deducted and must be paid directly. I told the representative that I had not received any correspondence informing me of this policy and that I had, in fact, received a statement saying that my payment would be automatically deducted. I was told that this information is " usually submitted via the email information we have on file. '' I responded that I had not received any correspondence from them and, therefore, would like the interest to be deducted from my account. I was told that my balance was " not negotiable. '' I then asked to speak to a supervisor. After being put on hold for several minutes I was told that a supervisor had been found and that my call was being transferred. At that point I was put on hold again and, after a lengthy wait, my call went through to a mailbox ( extension XXXX ). Instead of leaving a message I chose to call the extension again. At that point my call continued for several minutes unanswered before it was disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04
Company: SELECT PORTFOLIO SERVICING, INC.
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In XX/XX/XXXX, I signed a Deed-in-lieu of Foreclosure with Select Portfolio Servicing Company and was told I would be receiving the {$10000.00} relocation assistance check. I never received the check and in XX/XX/XXXX I was notified by the IRS that Select Portfolio Servicing Company submitted a XXXX stating that I received the check. I have contacted them weekly since XX/XX/XXXX and keep getting the same answer that the escalation department has to verify my mailing address information before they can resubmit the issuance of the new check. Every time I call I 'm told this every week and they verify my new address and tell me it will be issued in 7-10 days and then call next week to verify the issuance of the check and once again no check has been issued and they are waiting for the escalation department to verify my address. Unfortunately this department is not available to the public. I do n't know why it is taking so long to reissue a check that they have had in their possession for over a year. I do n't want this to be delayed any longer as I already am dealing with the IRS over doing an amendment of my XXXX taxes due to the document that Select Portfolio has submitted.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03
Company: SYNCHRONY FINANCIAL
State: IN
Product: Credit card
Issue: Delinquent account

Complaint:
I bought a sleep number bed XX/XX/XXXX. My account was sold to different banks a couple times throughout the payout portion. I eventually fell behind, totally my fault. XX/XX/XXXX I was contacted by a law office to collect the debt. I agreed to pay about {$20.00} every two weeks. This has been over two years ago, and I called for my balance today. The original debt was {$1200.00}, I have paid over {$1200.00} in the years I have been paying, but still owe about {$2400.00}. I called the attorney 's office and they informed me that my debt was {$3600.00} when they got it. I pulled my credit report and called every bank that has had this loan/credit account, and none of them can tell me where the {$2000.00} came from. I feel I have paid my debt back, and do n't mind paying some fees, but {$2000.00} on a {$1200.00} debt seems insane.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I'm disputing this account. I'm asking for them to prove 100 % verified or validation. So I'm submitting through this site for help. This collection agency has not proved this account is mine. They have not sent me any of the proof I'm asking for. 
*Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally *Copy of signed HIPPA form They are saying it is verified but where's my proof? What methods are you using to verify?

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 2020-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
On XX/XX/XXXX I requested an investigation into several accounts reporting on my credit file with Transunion. I asked that they validate the accounts as well as send me their method of verification documentation. On XX/XX/20 I received a letter from them validating all accounts but no documentation to show how they properly verified these accounts. I sent a second letter on XX/XX/20 asking them to please send whatever documentation they used to verify the accounts but on XX/XX/20 I received another letter only verifying the accounts again, still no documentation or anything in writing validating the accounts, such as a contract between myself and the debt collector. I sent a third and final letter on XX/XX/20 asking again for the documentation I am entitled to receive per rules set by FCRA 611 ( a ) ( 2 ) ( B ) and as of XX/XX/20 I have not received any documentation.

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: AMERICAN EXPRESS COMPANY
State: FL
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:
On XX/XX/20 my account was locked by American Express Serve. I use this card to receive my pay checks on, my own personal money. During this time the stimulus checks were coming out and they were receiving many phone calls with questions about the checks. My only concern was getting in contact with someone to unlock my account so I can access my money from my employer. I was hung up on every time that I tried to call, and I have been very patient. It is now XX/XX/20 and I am still not able to get in touch with anyone. I have to buy groceries for my family with the money that is in that account and I have no way to access it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-04
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Issue: Credit determination

Complaint:
I had just relocated to another city to start a new position and wanted to purchase furniture with 0 %. Athough my credit is in the high XXXX 's and I have a long standing relationship with Synchrony Bank, they declined me for an XXXX XXXX XXXX account because of " insufficient credit history on file ''. This is crazy as I have a long history of credit both with them and other institutions. This created a hard inquiry on my account. When I called to inquire ( originally I feared some sort of fraud ) after being transferred at least XXXX times for over XXXX minutes, they chose to resubmit ... it was declined again and now I have a second unfavorable inquiry against my credit score. It is as if they intentionally submitted to harm my credit score because I was not happy. In addition, is n't it incompetence doing the same thing ( resubmitting ) again. It WILL have the same result without human intervention. So I asked to speak to supervisor as now I have XXXX hard inquiries and XXXX declines and when he got on the phone he hung up on me when I told him I could not hear him! In the end, Synchrony Bank is harming people 's credit due to potential incompetence and harmful/rude customer service. There should be regulations against practices that harm consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-06
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I had a XXXX car accident in 2006 which left me XXXX and XXXX for quite some time. I am now clear headed and realize I was a victim of a predatory loan scam by Quicken. I now need to renegotiate this and/or get some relief such as the additional interest removed and a fixed rate. The loan has been sold several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: U.S. BANCORP
State: NC
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:
Thank you for taking the time to consider my complaint about US Bank and their partner Elan. My wife, XXXX XXXX, and I requested this account be closed multiple times via phone, but it was never actually closed. The account was not be used or monitored by either XXXX or XXXX XXXX as it was presumed closed. The issuer allowed an annual recurring charge to be charged to the account, even though there had been not activity for 12 months and a new XXXX number had been assigned which was never activated by us. 
I called to dispute multiple times but the account status was not clear for several months, due to sale of the Fidelity credit card portfolio by XXXX XXXX  XXXX to another issuer. Finally, after extreme frustration in the dispute, we decided to pay the balance given the low dollar amount of {$51.00} and avoid charge off. Account activity over the time period from XX/XX/XXXX - XX/XX/XXXX supports this explanation. 
HISTORY : ' Account opened XX/XX/XXXX, regularly used with high credit limit of {$25000.00}, with no payment delinquencies until XX/XX/XXXX ' In XX/XX/XXXX, account balance was {$0.00} and called to request the card to be closed. We stopped monitoring the account. 
' {$39.00} annual fee was charged in XX/XX/XXXX, but went unnoticed until XX/XX/XXXX when it was paid in full ' In XX/XX/XXXX, I again requested via phone for the account to be closed and again stopped monitoring ' There was no activity from XX/XX/XXXX until XX/XX/XXXX, when another annual recurring fee was charged to the account ' Again, given that we thought the account was closed, we were not monitoring ' When I discovered the account was still open and another charge had been allowed I called to complain and dispute. There was some confusion by the servicing agent given the accounts were in transition from XXXX XXXX XXXXXXXX to another issuer { due to portfolio sale ) ' Finally the account was closed in XX/XX/XXXX at my request. I presumed the charge had been reversed. 
' Upon receiving notification that there was still an unpaid balance in XX/XX/XXXX and, given my level of frustration with the matter and the time required to resolve, we paid the balance of {$51.00} in XX/XX/XXXX and ended the matter. 
- In XX/XX/XXXX, I disputed the charge through XXXX and USBank updated their credit report incorrectly to show that the account was not closed until XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: WELLS FARGO & COMPANY
State: CO
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 a charge for XXXX for XXXX XXXX XXXX from a my weld Fargo bank my check book was stolen and this is a incorrect report on 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 2015-07-13
Company: Rocket Mortgage, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
My experience with Quicken Loans was the WORST possible in all the years I have been dealing with lending institutions. While they did what they said they would do the whole process was inept and poorly done. They did NOT communicate within " teams '' in fact it seemed XXXX team had no idea what the other team had done or had informed me about. Additionally I was run around on XXXX problem which was not a problem if anyone in their title department was able to think independently. This alone caused me aggravation, anxiety, and a lot of wasted time. The bottom line is as long as I have a choice I would NEVER use Quicken loans again nor would I recommend them to ANYONE. I did everything they asked in a timely manor, yet ; they managed to " XXXX '' things up and have multiple people you have to deal with making the whole situation a MESS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: EQUIFAX, INC.
State: OH
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:
Dear Equifax RE : Requesting a Method of Verification Letter Dear Sir/Maam : I recently HAVE YET A received a response to a dispute that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction withabove listed account.I was saddened to learn that you FAILED TO verified the disputed item, electing to leave it on my report. 

I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to  investigate my aforementioned dispute. 

I am very interested to learn how your investigator ( s ) IGNORED MY REQUEST. I would like to see a complete list of all documents and correspondence with whom you obtain the account from. Please include all names and contact information of employees that you spoke to as part of this investigation. 

I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 

I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record. 

Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
According to the Fair Credit Reporting Act ( hereafter referred to as " FCRA '' ), Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. Therefore, I am demanding to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-04
Company: GLENN ASSOCIATES MID-ATLANTIC, INC
State: DC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I was never contacted my the creditors or the collection agency about the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have disputed this several times and have not received any assistance. I have spoken I I have spoken to several managers and they have admitted SPS is working on getting an updated system in order for customers to delete or change account info online. There is no way to determine whether or not payment is being submitted under the correct acct # due to system only showing last several numbers. Although they are aware of the issue they refuse to update my credit report in spite of THEIR negligence to the system in in place. I would appreciate if these late payments are removed from my c credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I made a payment of {$2200.00} on XX/XX/2020. This payment was processed the next day, on the XXXX. I received a confirmation email that it was processed. 

My monthly payment is due on the XXXX for an amount of {$330.00}. Today, on XX/XX/2020, my account is saying that my XXXX payment is past due. 

This is un acceptable. I made a very large transaction and it got processed before my payment was even due. Now, six days after that transaction my account is saying I missed a payment. HMFUSA 's  constant mishandling of payments is going to negatively affect my credit score and worthiness. 

I no longer want to work with this company! Please let me pay off my loan in full!

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