BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
X/XX/17  : C apital One credit card email states someone tried to access accoun t. Spok  XXXX  with Capital One representative and online access wa s disabled. Was directed  to re-enroll the card and access   to credit card would be restored.
 X/XX/17  :   Have not received a statement and billing is due soon. Attempt to re-enroll in online services but only brings back error messages.  Two phone calls are placed ( one for 4 mins, and one for 84 mins ).   End result is there is an error on their end and it would tak e two weeks to fix.        X/XX/17  : No state ment received.  Again attempt to re-enroll online to access my account. Again same error message is received. ( 4 ) calls are made to Capital One to resolve this 5 mins, 6 mins, and 70 mins. Again no resolution, no stateme nts provided and the bill paid over they phone not knowing what I am paying for.       X/XX/17  : No  statement provide and bill was due. Again, attempt to log on only to be stoppe  d. Two phone calls are made 12 mins and 85 mins. No resolution had. No statement provided.
Today as it stands : There has been ( 3 ) billing cycles without a billing statement. While I can access their credit tracker I ca n't access my actual account. Because of this lack of information I have h  ad to report all transactions since   XX/XX/XXXX  as  fraud. I can not verify the balance and I do not have access to my account online to verify charges. I have been more than patient and done my do diligence trying to resolve this issue. My account has been in good standings ( no late payments, balances in full, no delinquencies ) through this painful process. This is beyond repair. It should be noted that o n  XX/XX/XXXX  I request a paper statement as those were not being provided as well. You would think once they shut yo ur online access down that they would provide those. That is unfortunately not the case. I was told it would be anoth er 1-3 months before that change would take effect. I can not wait 4-6 months total to see what is being ch arged to my account. This is completely unacceptable and I believe there are legal ramifications for my time and charges. Call records and case numbers are assigned to account. The company has plenty of documentation to confirm this case.       Sincerely,  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: Experian Information Solutions Inc.
State: SC
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:
In XX/XX/2018 I filed for Chapter XXXX bankruptcy and the SECU/LOCAL GOVERNMENT account was included. Recently, I viewed my reports and see that Experian is still reporting a balance of {$4500.00} when it should be {$0.00}.

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 2017-07-24
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
Navient have had  XXXX  collection agency call me on a fraudulent student privet loan from  XXXX  college in  XXXX   XXXX  that I did not Authorize in   XX/XX/XXXX . These loan w as signed by  XXXX  college consolers while I was hospitalized.  XXXX  college was later closed down by the federal and state government for the practices. I have tried to get this matter taken care of and was also contacted by California Attorney general office in because of this matter about  six years ago . Navient have not only committed fraud with  XXXX  college and the lender, But have repeatedly tried to have me pay for a loan that I never approved.   My name is  XXXX   XXXX   XXXX   XXXX  Date of Birt h  XX/XX/XXXX . T hey just had a company name  XXXX  call me repeatly there address  XXXX   XXXX   XXXX   XXXX , ny  XXXX  (  XXXX   )   XXXX . If your company contact California you will see that charges and a class action was file against  XXXX   College  for these fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On XX/XX/2017 I sent a letter to XXXX requesting that they update my personal information as they had listed incorrect names and addresses for me. I asked them to delete these names/name variations and addresses as my name and addresses, as reported on my social security card and driver 's license was the name and address that should have been listed on my credit reports. 

As a result of my request, XXXX informed me that they would not remove these names and they still remain on my report to this date.

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 2022-01-25
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:
XXXX XXXX XXXX XXXX is reporting charge offs/write offs on my credit report with a balance due. Also, it's been almost 60 days now since my last request to submit proof that the accounts were charge offs/write offs as reporting on my credit report and still no response. After 30 days of no response these accounts should have been deleted from my credit reports. Now my question is " who's paying who to not follow the law? ''

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 2020-04-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
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:
I would like assistance in disputing a charge that is outside of the " 60 day '' time period. Last year I was contacted about working from home and I ended up paying several companies all connected several thousands of dollars for a website and related services. I have attempted to resolve them directly and some have refunded me but I am now realizing that the one company was not at all affiliated and just led me to believe they were and another has gone out of business. I have done my research and am now aware that the internet work at home business is nothing but a scam. I have been targeted and ripped off these companies because of their misleading and deceptive sales practices. It was not until I receive information for the Attorney General that I knew that I could dispute this under the credit card statute of Claims and Defenses. Please help me get to someone at Bank of America that is capable of handling this properly for me. The charges that I am requesting assistance on are : XX/XX/2019 - XXXX XXXX XXXX XX/XX/2019 - {$2600.00} XXXX XXXX XX/XX/2019 - {$50.00} XXXX XXXX XX/XX/2019 - {$50.00} XXXX XXXX XX/XX/2019 - {$150.00} XXXX XXXX XX/XX/2019 - {$3200.00} XXXX  XXXX  XX/XX/2019 - {$70.00} XXXX   XXXX  XX/XX/2019 - {$70.00} XXXX  XXXX  XX/XX/2019 - {$70.00} XXXX 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 2020-01-03
Company: KEYCORP
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Our loan officer, XXXX XXXX, NMLS # XXXX, from Key Bank, had stated that the processing and closing can take a long time with the bank. We were ok with that and entered into a 75-day rate lock starting in early XXXX. We were attempting to refinance and do a second loan for cash out. 

We received an email from the processor in the first week of XXXX claiming the loan would be closed by XX/XX/XXXX. We sent every document requested immediately. 

After the email from the processor, we did not receive communication from anyone for weeks. We repeatedly called our loan officer and he never answered the phone or responded to our voicemails. We emailed the processor, loan officer and closer, all  copied on the email from XXXX, and nobody responded to our emails. 

XXXX comes, and we still have not heard anything back from the company about when the loan is going to close. Finally, the closer emails us and asks for more documentation that we provide immediately. 

The first loan appears as if it will close before the 75 day rate lock expired, but the second loan did not appear to be able to close in time.

We still have not heard back from our loan officer at this point and we decide we're going to go with a different bank and email everyone in the loop as such. Lo and behold, the loan officer calls and needs more documentation, which we provide without delay. 

Amazingly, Key Bank is able to close both loans on XXXX XXXX, meaning the funds and payoff should be delivered by XX/XX/XXXX. There was money due from us at closing which was something that our loan officer, processor or closer had not communicated to us. 

We close on the XXXX, but the bank did not pay off our mortgage servicer or pay us until the XX/XX/XXXX. When we were concerned about where the money was and why Key Bank did not pay off the holder of our mortgage, we called the loan officer again. He did not answer and did not return our calls until after the loan had funded on the XXXX. The processor, loan officer and closer also did not respond to emails and questions about the payoff being late. 

We contacted our previous mortgage holder, the title company and eventually the customer service line at Key Bank, and no one could provide any explanation as to why the money was not sent on the day it was supposed to be sent. We still do not know why Key Bank took extra days to fund our loan. 

We are extremely upset about the absolute lack of communication throughout the process and are filing a complaint so others know not to trust Key Bank when it comes to mortgages. We also had to pay {$500.00} up front for an application fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-21
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: Old information reappears or never goes away

Complaint:
Hello, I had an item that was deleted from my report reappear again. The account is XXXX/XXXX XXXX XXXX XXXX. Please remove this account from my report immediately. I have an earlier report showing it was not on my report and a new report showing that it is there. Thank You!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: Experian Information Solutions Inc.
State: WA
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:
Before I explain, I want to say my demand is clear and I demand a knowledgeable representative looks over my complaint. Thank you. I pulled my credit report and noticed an alleged debt ( collection ) from XXXX is still reporting on Experian and XXXX. I sent a debt validation letter to the creditor requesting validation of the alleged debt through demanding a request for accounting, in accordance with the Uniform Commercial Code, UCC Article 9-210. They failed to provide me this, because they didnt provide me adequate validation since they didnt provide me with a record AUTHENTICATED as the law says ; so this reported information is not only invalidated but inaccurate and a clear violation of the Fair Credit Reporting Act ( FCRA ). 

Experian and XXXX is participating in fraud with XXXX and violating the Fair Credit Reporting Act by willingly still reporting this invalidated and inaccurate information that still has not been deleted from my consumer report and I am willing to take legal action against both parties should this information continue to stay 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 non-monetary relief
Consumer complaint received 2020-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
My identity has been compromised. I found out because XXXX XXXX  sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my 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 2022-01-25
Company: Duncan Solutions, lnc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a ticket in the mail stating that I used a toll road. The car image was one of my older cars that I had traded-in back in XXXX of XXXX. The picture clearly showed temporary tags. Also, at the time of the image I was at work. I sent a dispute to State Road & Tollway Authority... 
On XX/XX/XXXX We have received your inquiry and opened a case. 
Incoming Correspondence : VIOLATION DISPUTE We have begun the process of researching your inquiry. If you need to provide further information or reply, please do not change the subject line of this email since it is used for tracking purposes. You will receive an email response between 3 to 5 business days. 
Thank you for submitting your inquiry. 
Then I received confirmation that the case was solved. 
On XX/XX/XXXX Incoming Correspondence : Fw : Your XXXX is paid off! 
We want to inform you that the case related to your inquiry has been Resolved. 
Additional Information : * Thank you for submitting your inquiry. 
On XX/XX/XXXX I received a letter in the mail from XXXX ( Professional Account Management ) a collection agency. 
They told me that the account was still open and reporting. I told them that this was harassment and they told me I Need to file another dispute. I spoke with XXXX and a supervisor, 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 2017-10-16
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: Information belongs to someone else

Complaint:
IVE ATTACHED MY CREDIT REPORTS WERE THE FRAUD IS SHOWING, I HAVE FRAUDULENT NAMES, ADDRESSES, AND ACCOUNTS. ( FRAUDULENT ACCOUNTS, XXXX XXXX, XXXX, XXXX, XXXX, ( XXXX ) XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ). I ATTACHED MY DRIVER LICENSE TO SHOW YOU HOW MY NAME IS SPELLED AND MY ONLY ADDRESS PLEASE UPDATE

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 2018-05-31
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On XX/XX/2017 I sent a letter to XXXX requesting that they update my personal information as they had listed incorrect names and addresses for me. I asked them to delete these names/name variations and addresses as my name and addresses, as reported on my social security card and driver 's license was the name and address that should have been listed on my credit reports. 

As a result of my request, XXXX informed me that they would not remove these names and they still remain on my report to this date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-02
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
carrington mortgage the servicer apparently hired a company named XXXX XXXX in Massachusetts who taped a letter to my door that was not placed in and envelope that displayed my my mortgage account number and another duplicate notice was picked up near the street not in and envelope with my account information.the letter stated XXXX XXXX has apparently been hired by Carrington Mortgage because borrower was not responding .THAT IS UNTRUE AND A FLAT OUT LIE!! borrower rep HAVE BEEN IN CONTACT WITH CARRINGTON .i have definitive proof and evidence to the contrary of what is stated in XXXX XXXX letter/ Carringtonhas been contacted BY PHONE EMAIL AND CERTIFIED MAIL .XXXX   XXXX HAS ALSO TRESSPASSED ON MY REAL PERSONAL PROPERTY WHERE IT IS CLEARLY MARKED AND SIGNED NO TRESSPASSING .THERE IS ALSO A NO TRESSPASSING SIGNED CLEARLY MARKED ADJACENT TO THE DOOR WHERE APPARENTLY SOMEONE WORKING FOR XXXX   XXXX ILLEGALLY ENTERED PROPERTY AND TAPED ONE OF THE MESSAGES, CARRINGTON ALSO HAS A MAILING ADDRESS THAT THEY WERE INFORMED OF VA CERTIFIED MAIL BACK IN XX/XX/XXXX.BORROWER ALSO LIFTED CEASE AND DESIST FOR CARRINGTON WEEKS AGO FOR PURPOSE OF NON COLLECTION MATTERS TO DO WITH ACCOUNT, THIS IS BECOMING HARRASSMENT AND ILLEGAL FORECLOSURE METHODS TO DO WITH PRIOR COMPLAINT THAT CENTERED AROUND RIGHT TO CURE .THESE TACTICS ARE GOING TO LAND THESE 2 ENTITIES INTO SUPERIOR COURT INJUNCTIVE HEARING REGARDING OTHER ASPECTS OF THIS CASE REGSRDING ILLEGAL FORECLOSURE AND CRIMINAL TRESSPASS ON REAL PROPERTY.THEY KEEP SAYING THEY WANT TO WORK THINGS OUT BUT APPLY PRESSURE IN THESE WAYS DESCRIBED AND RARELY ANSWER COMPLETLY BORROWER CONCERNS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
Before I explain, I want to say my demand is clear and I demand a knowledgeable representative looks over my complaint. Thank you. I pulled my credit report and noticed an alleged debt ( collection ) from XXXX is still reporting on XXXX and TransUnion. I sent a debt validation letter to the creditor requesting validation of the alleged debt through demanding a request for accounting, in accordance with the Uniform Commercial Code, UCC Article 9-210. They failed to provide me this, because they didnt provide me adequate validation since they didnt provide me with a record AUTHENTICATED as the law says ; so this reported information is not only invalidated but inaccurate and a clear violation of the Fair Credit Reporting Act ( FCRA ). 

XXXX and TransUnion is participating in fraud with XXXX and violating the Fair Credit Reporting Act by willingly still reporting this invalidated and inaccurate information that still has not been deleted from my consumer report and I am willing to take legal action against both parties should this information continue to stay 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 non-monetary relief
Consumer complaint received 2020-04-27
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
The issued resulted with the Hunting National Bank during the period of XX/XX/2020 in relation to the final pay of the vehicle loan I had with the bank. 

1. The monthly not for the loan was {$270.00} which was always paid on time for the duration of the loan of 60-months. 
2. There were allowed by the bank upon two separate occasions during the XXXX periods ( 2 ), and accepted by me that the monthly notes would be delayed until the end of the loan ... with the appropriate interest charged at the time pf final pay. 
3. There was a remaining payoff of {$650.00} to be paid that would completely pay off the loan balance. This amount was agreed by the customer service agent to be paid ( in split ) amounts ; however, according to the agent there would need to be a late charge fee of {$35.00} applied which the agent agreed to be waived if both payments were made on time as agreed. 
4. The first payment was made on XXXX XXXX, 2020, the second was made on XXXX XXXX, 2020. Both had been made on time that should have commensurated the term of the loan including the additional interest charged for the extension. However, several days following the final payment to the loan I received an alert from my credit score that my score had changed by XXXX point ( negatively ). Upon inquiring, it was determined that the cause was due to a late payment to the Huntington Bank because of a late feed not paid. When I inquired to the bank as to why, I was apologetically told that the action should not have been reported and that the bank had no means of changing their reporting to the credit bureau and that I would need to file a formal complaint in order to get the matter corrected. Prior to this matter I had no negatives in my credit report from either of the three reporting bureaus. I am seeking to have this removed from my record an my formal score restored, Thank you for your consideration and assistance in getting this corrected. 

I Remain in Sincere Regards, XXXX XXXX XXXX email : XXXX The issue resulte

Company response to consumer: Closed with explanation