BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-28
Company: Team Recovery Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/22. The debt collector said we could settle all of my obligations owed to XXXX XXXX XXXX. I made 2 payment in the amount of {$1800.00} and {$390.00}. To resolve all outstanding debt with XXXX XXXX XXXX. I wrote a letter agreeing to pay these amounts if all of the debt owed to XXXX XXXX  would be satisfied. At the time there were 2 accounts for the same injury. Now 9 months later after never receiving a statement for close to a year. They create it to new accounts for the same injury. Stating that I owe XXXX and {$100.00} On two completely different account numbers even though there was only one injury. This injury took place over a year ago and all debts owed were to be satisfied by my finally payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-03
Company: Origen Financial Services LLC
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Applied for mortgage had several listed pull within two months from different companies which showed up as hard inquires. damage my credit score and try to resolve with no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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 was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XXXX Late Payment XX/XX/XXXX XXXX  only CAP1/WMT Late Payment XXXX XX/XX/XXXX and XX/XX/XXXX CAP1/L & T Late Payment XXXX XXXX XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-01
Company: N.A.R., Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/XXXX I reviewed my credit reports and found that there was an account reporting inaccurate information in my credit files. This account is reporting as a charged off account with a balance of {$1400.00} reporting under the account number XXXX. On XX/XX/XXXX I wrote a letter and mailed it certified delivery to XXXX XXXX XXXX and requested full validation pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. My request for validation including competent evidence bearing my signature and instrument used to secure a contractual agreement where I am obligated to pay you. I made it clear in my letter that the negative marks found on my credit report from the ( 3 ) reporting bureaus from their company or any other company that they represent for this debt that I do not owe is a violation of the FCRA and FDCPA and I request that if this debt can not not be validated you must take steps to have all reporting bureaus delete this entry.

I received no response so I wrote a second letter and mailed it by certified delivery on XX/XX/XXXX.

I received no response so I wrote a third letter and mailed it by certified delivery on XX/XX/XXXX. It is now ( 7 ) months since my initial letter requesting validation and since it is over the 30 day time frame since the mailing of my request to XXXX XXXX XXXX   this company is in violation, they are out of compliance.

Under advise, I wish to informed XXXX XXXX XXXX that I am prepared to take steps and file a small claim in my county small claims court. I would like to make this one last good faith effort and ask for the assistance of the CFPB in obtaining one of two things : 1. that this company provide me with full debt validation as per FCRA & FDCPA 2. deletion of this invalidated account from my credit reports

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: American Profit Recovery, Inc., Marlborough, MA Branch
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The company was rather aggressive when they called to collect on the debt. I told them I would pay nothing to someone who called me but that I would pay based on mailed communication after verifying with original creditor that the debt is valid. Turned out it was. When I called in to make the payment the debt collector had added interest to the debt. The letter was dated XX/XX/2023 for {$130.00} but then I received a second invoice dated 5 days later, XX/XX/2023 with an additional interest charge of {$18.00}. Is it even legal for a debt collector to add charge interest? Is it legal to apply an interest charge of something like XXXX XXXX to the original debt? I went ahead and made the payment as I am trying to keep my credit as clean as possible as we are in the process of buying our first home. But this does not seem ethical and the practice can break the bank for someone. The collection agency is America Profit Recovery, phone XXXX. The invoice indicates XXXX XXXX XXXX number XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: JPMORGAN CHASE & CO.
State: WI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
A JCMBC account was opened XXXX without my knowledge or consent. I called company and closed the account. Reported Fraud to all three bureaus and added fraud alerts.When I asked for proof of application the woman said that it can't be released because I didn't open account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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 2022-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under USC1681. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse items of information, other than records of convictions of crime which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-02-01
Company: Mr. Cooper Group Inc.
State: TN
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Contacted Mr. Cooper on XX/XX/23 to have my loan put on a 6 month forbearance due to losing my job. Everything was set up via phone call and I was told the forbearance would start as of my XX/XX/XXXX payment. I just received a bill today showing a past due amount and late fee for the XXXX payment. I called Mr. Cooper and they are saying they have no notes saying the loan was ever put on forbearance and that I need to bring the account current. When I asked to speak with a Manager I was put on hold for 10 minutes and then hung up on. All they have to do is pull the call from XX/XX/23 but I don't think they want to.This seems like a total scam to be able to collect fees and foreclose on the properties. This is also now showing on my credit report as a late payment. I need someone to step in and hold this servicer accountable. This company makes money hand over fist buying servicing from reputable mortgage companies and us consumers are stuck having to deal with their predatory practices. PLEASE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01
Company: REGIONS FINANCIAL CORPORATION
State: KY
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: Overcharged for something you did purchase with the card

Complaint:
In XX/XX/2017, I opened a secured ( XXXX ) credit card account with a credit limit in the amount of {$1000.00}. On XX/XX/XXXX, Region 's approved a transaction in the amount of {$1300.00} to XXXX  Car Rental. This transaction should've been declined as it clearly exceeded my credit limit & I did not owe this amount to the merchant. The merchant contacted me on XX/XX/XXXX at XXXX XXXX and advised that I had a balance due of {$270.00}. XXXX Manager, XXXX XXXX, had no right to steal these funds from my account on XX/XX/XXXX. Region 's was aware that multiple irregular transactions had been entered on XX/XX/XXXX by this same merchant & subsequently had to flag my account as a result, so Region 's should've declined this questionable transaction on XX/XX/XXXX. I have a stellar payment history with Region 's & Region 's failed to protect me from financial recklessness on behalf of this merchant, ( XXXX  ). I have never at any time authorized Region 's to pay for services that exceed my available credit limit. Approval of transactions that exceed a customer 's credit limit, against the customer 's wishes should be illegal, what is the point of having a credit limit if that amount can be involuntarily exceeded? This illegal transaction impacted my credit report & score.

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 2023-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello, my name is XXXX XXXX and on this date XXXX, I have become a victim of identity theft. The following information I have listed Is not in accordance to my credit report. I ask that the following information below get DELETED off of my report rapidly since it is not mine. I have also listed a copy of my Federal Trade Commision Report, CFPB, and XXXX XXXX XXXX regarding the theft of my identity for your convenience. According to 15 USC 1681 - states that it governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ) .these companies have violated my rights as a consumer and have gone against the policy by sharing my NPI to collectors without sending an opt out letter in accordance to 16 CFR 313.1 thus, this being INACCURATE INFORMATION. Therefore I ask to Please DELETE the items from my report as soon as possible! Thank you.

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 2020-06-18
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Hello! 

I am submitting this complaint on behalf of an unauthorized in credit report inquiry supplied by Equifax. The creditor in dispute is listed as XXXX XXXX XXXX XXXXXXXX XXXX. According to my credit report pulled on XX/XX/2020, Equifax fraudulently released my credit profile to XXXX XXXX XXXX on XX/XX/2020. 

I do not currently have an account with XXXX XXXX XXXX, in fact, it's been more than 5 years since I've done any business with this company. And that was in a completely different State than where I reside today. 

On or around XX/XX/2020, I inquired about getting internet services at my home. Because of COVID-19 I  was unable to contact anyone by phone and proceeded to their website to see if the service was available at my address. I provided my Name, Address, and Phone Number. I did not provide my Social Security Number or any other identifying information, nor did I authorize a credit check of any form ( soft or hard inquiry ). I was simply curious which packages/offers where available at my location. 

Accessing my credit report in this manner, and without authorization is a direct violation as a consumer. 

I've been unable to successfully contact XXXX XXXX XXXX to dispute directly and Equifax is not providing me the option to handle this through them, which I why I need the help of the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03
Company: CITIBANK, N.A.
State: CA
Product: Credit 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:
To whom it may concern, I am writing regarding my fraud dispute with Citi for transaction : " XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/2023 for the amount of {$360.00}. 

Today while browsing my online account, I incidentally found out my fraud dispute is resolved and that I am responsible. I was not made aware of this by Citi. No reason was given why. I tried to call Citi but was directed to an automated message system. 

I made the dispute after checking my online account after returning from vacation in XXXX. I noticed this unknown charge of {$360.00} was made at the exact same time as a known charge of {$27.00} paid to XXXX XXXX XXXX XXXX XXXX, down to the exact minute. At that time, I had stopped at a gas station for gas. While in the car, I handed over my credit card to the gas attendant, who pumped the gas, to pay for the gas which costed {$27.00}, while I waited in the car. It took about 10 minutes for the flight attendant to come back with my card, and he said theres something wrong with the credit card reader, which is why he said it took so long. However, when I came back to the US, I noticed this unknown charge of {$360.00} was placed on my card at the exact time when the {$27.00} gas charge was placed on my card. 

I am not sure why my fraud dispute was unsuccessful and I hope Citi investigates this dispute further. Id happy to provide any additional information if needed. 

Thank you!

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 2023-09-08
Company: World Omni Financial Corp.
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I made a report with you on XX/XX/2023, in which the bank replied saying that they were going to withdraw the account from the credit bureaus. Today I am taking a letter from a law firm trying to collect the same debt. What should I do in this case, should I take them to court for harassment? Thank you very much in advance. 

Complaint ID XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: Maximus Education, LLC dba Aidvantage
State: UT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I've been trying to start paying off my student loans. When I tried to make a full payment of XXXX, the button doesn't work to process the payment. It won't even let me make a payment for the amount due. So, interest continues to accrue and I can not make a payment!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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 2023-02-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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 filed a complaint a month ago ( COMPLAINT ID # XXXX SUBMITTED ON XX/XX/XXXX ) ago regarding an issue I have been trying to resolve since XX/XX/XXXX. It is a very simple and very clear issue that Capital One is refusing to acknowledge their clear negligence in handling appropriately. Now I am receiving almost daily texts, emails and letters trying to collect the fee that is in dispute as well as late fees and interest charges ON TOP OF the fee in dispute. Meanwhile they are reporting me to the credit bureaus as delinquent on paying my account and have reduced my credit score from " Excellent '' to " Fair '' while they claim to be continuing to " review '' this case. This an obvious effort to intimidate and harass me into paying fees I have not incurred. Capital One needs to address this issue. It has been almost 5 months and they have had plenty of time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 writer submitted a dispute to XXXX  on XXXX. And a follow-up correspondence from XXXX they requested additional information in order for the fraudulent accounts and inquiries to be blocked or removed. I have attached a copy of that request from XXXX to this complaint. I originally sent the police report which named the accounts and inquiries in dispute. This writer was unaware that XXXX  would need any further information however has agreed to provide that information to XXXX for the dispute process to continue. There are two accounts reporting on my credit they are a result of identity Theft. I am directing XXXX to Block the Following two accounts from being reported as they are result of identity theft XXXX  XXXX XXXX Acct # XXXX and XXXX/XXXX XXXX   Acct # XXXX. Both of those accounts are listed in the ID death affidavit and a police report as fraudulent accounts. As far as I can tell XXXX has already removed the fraudulent inquiries so no concerns there. As requested I am attaching to this complaint a copy of my drivers license, a copy of my utility bill, a copy of my checking account statement, a copy of my Social Security card, a copy of the ID Theft affidavit filed this writer filed with the FTC and a copy of the police report this writer filed with the XXXX XXXX Police Dept. Both reports specifically name in each inquiry and each account that is fraudulent. I am requesting removal pursuant to section 605B of the fair credit reporting act which states that fraudulent accounts must be removed within five days of receiving notification from a consumer that the accounts are the result of fraud or identity theft. I am now exercising those rights and I request for removal of the information

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 2020-06-18
Company: EQUIFAX, INC.
State: MS
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 been receiving letters in the mail for a while now about me owing child support Xmoney. Im not quite sure what any of that is about because my kids live with me and I have never been put on child support. I also got denied a credit card from XXXX XXXX due to a low credit score. I have pulled my credit and I saw various child support items and loans on my account that does belong to me. I strongly believe my identity hasbeen sttolen. Please remove these items from my report. XXXX {$0.00} XXXX  XXXX {$0.00}

Company response to consumer: Closed with explanation