BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-18
Company: Bread Financial Holdings, Inc.
State: NY
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:
We have a credit card through XXXX XXXX XXXX XXXX with COMENITY Bank. In XXXX of XXXX, we questioned a recurring, fraudulent charge of {$39.00} to our card from a " vendor '' called XXXX XXXX XXXX. Please note that the internet is rife with complaints about these fraudulent charges and one only has to XXXX the XXXX XXXX XXXX  to read about them. The bank took our information and told us the monthly charges had actually gone back over a year. The bank said it would reverse the charges for a total of {$510.00} while it investigated the charges. We thought that was the end of the problem. 

Fast forward to today, XX/XX/XXXX. We just realized that the fraudulent charges have started up again to our account and had now posted twice a month : twice in XXXX and twice in XXXX for a total of about {$160.00}. We called the bank for help and we were told that on XX/XX/XXXX, the bank had reversed the original reversal and our card was re-charged charged for {$510.00} for some bogus credit subscription. We are now out {$670.00} for fraudulent charges with a company with which we have NEVER done business. The bank refuses to investigate further and there is no end in sight to these charges going forward. 

While we could certainly cancel our credit card and stop doing business with COMENITY, we want to get back our {$670.00} first. Please help us get our money back and do whatever it takes to put the fraudulent vendor XXXX XXXX XXXX  out of business. Clearly, many, many people have had the same charges made to their accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: Ocwen Financial Corporation
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My initial call into PHH Mortgage was in XXXX, This call was in order to remove the PMI on my home and order an appraisal. I was told that a mailed letter would come in the mail, I would need to fill it out and mail back a check to pay for said appraisal. This was received roughly 2 weeks later, around XXXX. In the upcoming months I have heard nothing from PHH Mortgage. Being in XXXX XXXX I understand lending and the appraisal process ( better than their customer support, and escalation team ) which has been no help. My next conversation with PHH Mortgage was XX/XX/XXXX, I had called to get a status update as given the length of time that has passed, comps are no longer viable given lending and appraisal deadlines. The customer service agent said he couldn't help but did confirm they had deposited my check, and this would have to be escalated to the next level, although no one was available. I received a call back from the escalation manager on the XXXX, she stated that the order for the appraisal had gone out, and she promised I would receive a call from the appraiser in 7 days. This has not happened. I called back again, XX/XX/XXXX, and once again spoke with the escalation team, he assured me that it was being processed. I demanded answers, again, given an appraisal, there are requirements that have to be met when it comes to comps in the area, these requirements come from the lender and the appraiser typically done not have any flexibly. The length of time that this has taken has now drastically effected the value of my property, negatively because now comparable homes are not in their timeline requirement. This gentleman stated he can not do anything and would have to talk to the PMI department directly. Again I received a promise he would personally resolve my case and call back in 3-5 days. that was 8 days ago. 

The urgency and competency of PHH Mortgage as a lender is pathetic at best. Their practices are borderline fraudulent but who is going to have the money to sue them and take them to court? Show respect to your clients and resolve the issues they have discussed in a timely manner, or at least transfer them to someone who can do something, not a worker in XXXX making $ XXXX day.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: World Acceptance Corporation
State: AL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
World finance company has been calling my phone Constantly over and over again and harassing me at work. I asked them not to call my job and they continue to call my job and harassed me there and continued to call my phone numerous times throughout the day and night.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-28
Company: Experian Information Solutions Inc.
State: GA
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:
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 15 USC 1681. 

Account name : XXXX Account XXXX has violated my rights. Or list of inquiries 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 a 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 item of information, other than records of convictions of crimes 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 explanation
Consumer complaint received 2023-12-16
Company: TekCollect Inc.
State: TX
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:
You were notified that the account XXXX is inaccurate and failed to correct or verify this account. Stop reporting for FDCPA non-compliance of inaccurate data furnished on my consumer report. I also submitted proof that my personal information was involved in XXXX data breach, and you still failed to investigate and provide a valid ID, copy of my ssc, or anything that would validate the alleged debt belongs to me. Lastly, my credit report will show that you are reporting inconsistent information to the credit reporting agencies such as the date last active and the last date reported. XXXX XXXX XXXX has lost all credibility with anything that they are reporting, and I will seek legal action if this account is not removed within 21 days. Please see the attached dispute letter which is dated and time stamped and remove this account from my credit report.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: Experian Information Solutions Inc.
State: NM
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

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 2023-09-13
Company: EQUIFAX, INC.
State: NC
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:
I have not supplied proof under the doctrine of estoppel by silence, as established in Engelhardt v. Gravens ( Mo ) 281 SW 715, 719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact, exists. Therefore, I respectfully ask that it be promptly removed from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-18
Company: Experian Information Solutions Inc.
State: VA
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 am inquiring about the method of verification used to accurately verify the bankruptcy on my credit report. And I have pulled my XXXX XXXX file and spoke with someone from XXXX XXXX directly and they do not have this information listed in their system so please do not fabricated and say you have verified through them or the recording of the call I have with them and your statement will be sent to my state attorney general, the FTC and I will seek damages for inaccurate reporting.

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 2019-04-09
Company: Navient Solutions, LLC.
State: MO
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:
My loan origination date was in the fall of XXXX. This loan has been bought and sold to so many companies over the last 20 years I can't recall all of the information. Currently Navient is the loan provider. Navient and Sallie Mae have had the loan for certain since XXXX. In XXXX my wife and I filed a chapter XXXX bankruptcy, as part of our repayment terms our attorney tried to get the loan company to accept payments as part of our bankruptcy, we did not ask for a reduction in amount or ask for the debt to be discharged in any way. We simply wanted to re-pay via the court. The request was denied. We were able to re-pay our debt in 3 years and sometime in XXXX after the discharge the loan companies starting contacting me to begin repayment. Since the repayment process began again my family and I have been diligently trying to get rid of the debt. Navient 's records only date back to XXXX, however the original disbursement was {$9200.00}, I have been repaying an average of XXXX monthly since XXXX and my statements state that my balance owed is still {$8500.00}. The interest rate is 4.25 %, and the average interest yearly according to the statements they send amounts to around {$400.00}. Since XXXX I have paid over {$6300.00} to Navient even with interest over that time frame I should not still owe {$8500.00} the math just does not make sense. I have made multiple attempts to contact Navient and am unable to reach anything but a recording. I have " scheduled '' more than one Call, in which I schedule a time and they are supposed to call me, and they never call. I understand that we have made errors along this path but I feel that we are being taken advantage of and I would like credit for the money we have been paying. If this is how the companies take advantage of consumers its no wonder the entire country is engulfed in student loan debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: Experian Information Solutions Inc.
State: PA
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 they violated my rights. 
Please delete the following items : XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX 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 a 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 explanation
Consumer complaint received 2021-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 am inquiring about the method of verification used to accurately verify the bankruptcy on my credit report. And I have pulled my XXXX XXXX file and spoke with someone from XXXX XXXX directly and they do not have this information listed in their system so please do not fabricated and say you have verified through them or the recording of the call I have with them and your statement will be sent to my state attorney general, the FTC and I will seek damages for inaccurate reporting.

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 2022-04-27
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Incorrect Information in Credit Report The credit reporting company Experian have an incorrect the Date of Birth 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 2022-01-13
Company: Amsher Collection Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received information from AMSHER COLLECTION SERVICES attempting to collect the above-listed alleged debt that you have listed on my 3 credit reports. Your initial communication to me of the alleged-debts was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. Promptly request deletion of any prior credit reporting to credit reporting agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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 the date of Tuesday XX/XX/2022, I made a purchase on my Capital One credit card and booked a Hotel stay at the XXXX XXXX  located at XXXX XXXX XXXX XXXX, XXXX, CA.The initial booking was scheduled for checkin on XXXX XXXX XXXX check out, however I left the same day I checked in. For instance, once my wife and I arrived and checked into hotel suite I noticed a numerous amount of health hazards in the room such as an odious stench from fungus growing out of AC vents, stains on the carpet and bedding sheets, hair and feces in sink and shower form previous guest. Once I noticed all of these things I made a complaint to the front desk associate and requested to be switched to another room. Once we moved to the next room we noticed the same conditions if. not worse in the very next room that we were placed in. Furthermore, these types of hazardous conditions caused my wife to have an allergic reaction to the air the she was breathing due to her XXXX XXXXXXXX. Next, we left the room to get some air and went to the pool area and noticed that the hot tub area had XXXX floating. Then we packed up our things and checked out that same day. Before leaving we requested a receipt from the front the manager on duty, but were rejected since the booking was done through XXXX. Then he said he would notify XXXX XXXX of a refund that was due and I would notify my credit card company of the cancellation of the transaction. Since then I have been disputing this charge because I was charged for staying at a hotel that I checked out of the same day I checked in. I submitted pictures of all of the unhealthy and hazardous living conditions of each room I was placed in which justified my same day departure from this establishment. Since then I have not been refunded my booking for the check in at the XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
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 information incorrect

Complaint:
are reporting inaccurate information effecting me from getting a job that less to me stressing and lack of sleep 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 2018-04-05
Company: EQUIFAX, 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:
Since the year XX/XX/XXXXEquifax, XXXX and XXXX have reported two accounts that are not mine and I had no knowledge of the account 's existence until XX/XX/XXXX. I have continuously disputed the accounts ever since XX/XX/XXXX. XXXX  has done a wonderful job with respects to my rights as well XXXX own compliance with requirements for reporting information about consumers. XXXX and Equifax have shown me no respect and neither offer any evidence besides the word of furnishing companies being certified. I have talked to the customer service departments via telephone as well as disputing these negative accounts that have literally caused my life damage since XX/XX/XXXX. I see no other option beside taking legal action. The accounts I refer to are XXXX XXXX showing a balance of {$130.00} and XXXX XXXX that is showing a balance of {$900.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: Credit Karma, LLC
State: NC
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:
In XXXX or XXXX credit karma had an advertisement for members to apply for certain credit cards, with an incentive of {$50.00} if the application is denied. I was denied. I was sent the letter of denial from XXXX XXXX XXXX which I applied for through their website. I never received my incentive, so I began questioning credit karma. They sent me emails asking for the last four digits of my SSN. They said they couldn't find anything in my account to support the incentive release. I found my denial letter, took pictures of it, and sent it to them. They said, " We need to send this inquiry to our 'Special department XXXX '' after which I was denied all of the 3-4 times I asked for the incentive issue to be reviewed. I have all the emails. I still have pictures of the denial letter. I have the emails,, and pictures of the denial letter from XXXX XXXX I was not able to add them to this complaint without having to start complaint over.. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14
Company: EQUIFAX, INC.
State: FL
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:
Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a matter that I believe to be an inaccurate reporting on my credit report by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX I am confident that this is an error and wish to formally dispute it, hoping you can assist me in this matter. 

The issue pertains to a lease account that I had with XXXX. Throughout the course of the lease, I consistently made my payments on time, ensuring my financial responsibility was upheld. However, it has come to my attention that XXXX reported negatively against my credit report, which, given my payment history, I believe to be erroneous. 

To further complicate matters, XXXX delayed in closing my lease account by a month, even after I had settled the final bill. This delay, coupled with the inaccurate reporting, is having an unjustly adverse effect on my credit score, which I am earnestly trying to maintain in good standing. 

I wish to emphasize that I have always upheld my financial obligations with due diligence, and this can be validated by my payment history. I have receipts and bank statements to demonstrate that I made payments on time, and I am prepared to provide these as evidence if required. Furthermore, the payment for the final bill was made promptly, and I have documentation to verify this too. 

The misreporting by XXXX has caused me undue stress and financial hardship as it directly affects my creditworthiness. I believe this issue may simply be an administrative error or oversight, but its impact is far from trivial. 

Given the evident discrepancy, I kindly request that the CFPB intervene and assist in rectifying this issue. The inaccurate information should be removed from my credit report, the account should be marked as closed, and my credit score should be corrected to reflect my actual credit history. 

I appreciate your immediate attention to this matter and am hopeful for a resolution that aligns with the factual information. I believe in the fairness and efficiency of the CFPB and trust that you will handle this situation with the utmost care and urgency. 

Thank you for your time and consideration. 

Sincerely,

Company response to consumer: Closed with explanation