BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-05
Company: Unifin Inc.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Unifin working on behalf of XXXX XXXX XXXX XXXX Unifin has called me several times from several different numbers about several different credit cards for XXXX XXXX XXXX XXXX. 

While there are several accounts, they are all collecting for the same collector. I advised the representative yesterday to place me on a do not call call list and to not call me. They continue to call and send me text messages and its too much. Sometimes they call 4 and 5 times in one day. 

XXXX ( text messages ) XXXX for XXXX XXXX XXXX, I advised the caller that I told them to stop calling on XX/XX/XXXX  and he did not have anything on file. 
XXXX for XXXX XXXX ( they called today after they were told on XX/XX/ to stop calling ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: FIRST COMMUNITY MORTGAGE, 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: Account information incorrect

Complaint:
Credit report reflects Balance owed on home Mortgage loan which was paid Off cash 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
Consumer complaint received 2023-12-05
Company: ENCORE CAPITAL GROUP INC.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Midland Credit Management keep calling me several times a day about the debt that I dont own. I informed them that its not my address on credit card bill.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-04
Company: The CBE Group, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/22 I received the following text message from phone # XXXX : " This message is from the CBE Group, a debt collector. Please contact us at XXXX or paycbe.com. Reply 'STOP ' to stop texts to this number. '' I have never heard of this company and do not have any outstanding debts that would have gone to collection. This may be a phishing attempt, and not really from the company indicated ( CBE Group ), or it could be an identity theft issue. I did not call or text them back in case it was a phishing scam attempt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: LAND HOME FINANCIAL SERVICES
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
During 2018 I was plagued with medical issues which cost me a large amount of money. It also caused me to have to take some time off of work to recover. I was still not 100 % when the XXXX pandemic hit. Due to my compromised health I had to take every precaution. I had to take time off of work and had to pay for delivery to stay away from people. I called my lender and they put me on a XXXX forbearance. My forbearance ran out and I was still not back to my pre pandemic income. When the forbearance ended I was asked if I was able to resume my payments, I was not. I am finally back to my income and my lender is refusing to let me access FHA post XXXX assistance. My interest rate is at 5.125 %. I have researched and as long as my past due does not exceed {$46000.00} I should be able to get a partial claim and keep my rate. If my past due is more than that figure, I believe I should be able to get a recovery modification. I have been through medical issues, a pandemic and I am in XXXX and was effected by XXXX XXXX and I believe FHA has assistance that can benefit me and my lender is refusing to let me access it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: Paypal Holdings, Inc
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, brought a large item for {$400.00} on XXXX and paid for it through PayPal from a new Seller that goes by the name XXXX. 

Since it was an expensive item, did watch it very closely. By doing so, the first 10 days, there were no activity on the tracking number provided so I email the Seller via XXXX to let them know as they did not know about it nor did they not keep track of the item themselves. They just so called shipped the item and did not track it at all like I did so they were surprise that there was no activity for the first 10 days. 

They did respond back to me and stated that they will look into it. When they did, all of a sudden, the tracking information on the item stated it was delivered when it was not not to me anyway, do not know where it went nor do not know where it was delivered to because it did not come to me. I said to myself, oh - I was swindle - scam. 

So I filed a complaint with both XXXX and PayPal ; whom I pay for the item with, that I never received the item but they went by the final tracking information stating it was deliver to my residence. I approached the carrier about this and they told me that they have not delivered anything huge to me since residing at my address of residence. 

So XXXX and PayPal decided in favor of this new Seller without any investigation and they stated since it said it was delivered, they denied my appeal. XXXX did recommend that I contact my credit card company and/or financial institution and file a dispute in which I did. 

Luckily, did receive a full refund from my Financial Institution as they grab the money back from PayPal. Now PayPal is harassing me for the {$400.00} now to pay it back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-04
Company: CCS Financial Services, Inc.
State: TX
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 got a letter from a company called CCS stating I owe them a balance of {$89.00} for a previous insurance company. I called in the beginning of XXXX and asked for proof of this debt validity and have not yet received anything in the mail and they couldnt/didnt provide details.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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: Problem with personal statement of dispute

Complaint:
I disputed " XXXX XXXX XXXX XXXX '' on XX/XX/23, XX/XX/23, and XX/XX/23. explaining how I wanted the item erased off my report along with the late payments that are illegally reporting on my report and causing me hardship, only to not get any results. On top of the account being closed I DEMAND that it gets DELETED!

According to 15 U.S code 1861b PERMISSIBLE PURPOSE OF CONSUMER CREDIT I never gave any permision to report on my consumer credit report. so I want it DELETED because of this clear violation of my rights According to 15 us code 1666b ( Correction of Billing Error ) Transunion is illegally reporting transaction on my consumer report These are Laws Put In Place by the FCRA. I want a copy of the Reports after the updates, and I will be sending my Invoice for the {$1000.00} violation once it is removed.

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 2023-12-05
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have an AAA credit card that was transferred from XXXX XXXX XXXXXXXX to Comenity Bank a year or so ago. I have the card for a long time and Comenity just closed my account quite arbitrarily without even providing a clear reason. My credit score has been above 800 and I have been using and paying off the card regularly. 

More details : It started when I tried to add my AAA card to XXXX XXXX on XX/XX/2023, but wasn't able to receive the verification code. Following the app instructions, I called and was able to receive the code the phone rep sent. However, they then told me my phone turned out to be ineligible for identity verification and as a result, my account was suspended automatically by their system. ( I'm on a data-only plan and use XXXX XXXX as my main number. ) They asked me to email photocopies of my driver 's license, social security card, and a utility bill to prove my address. A few days after I emailed, they permanently closed my account because " there continued to be security concerns with my account ''. I called them again and they couldn't even tell me what the problem was as they claimed that they had deleted the email for privacy reasons.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On XX/XX/2020 I sent out a personal information dispute letter to Experian. They have information that isn't accurate and I sent a certified letter to Experian detailing this information. They received my documents on XX/XX/2020. They haven't removed the addresses stated in the paperwork. The haven't removed the names stated in the paperwork either. I was hoping they could resolve the issue but it wasn't 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 2020-06-17
Company: Experian Information Solutions Inc.
State: PA
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:
Re : Complaint of Experians negligence and misconduct on the credit report of my XXXX XXXX XXXX  account open status Todays date : XX/XX/2020 There has been a huge repetitive error on my credit report and it needs to be correct immediately. 

Attached please see XXXX XXXX XXXX statement on my account status as open. 
This account has been opened for years and has never been closed. According to my conversation with XXXX XXXX today, they sent to Experian monthly update on XXXX of each month and reported my account status either as open or closed, account balance and such. 

According to Experian report on my credit, this account was closed in XX/XX/2020. 

Apparently, there was a mistake and miscommunication occurred in the process. And it occurred over and over each month. Even though I filed dispute with Experian on XX/XX/2020. The results came back on XX/XX/XXXX still keeps the same mistake and inaccuracy. 

The inaccuracy has negatively impacted on my credit score significantly, including the credit limits, debt and utilization. The misconduct of Experian has been doing an extremely huge harm and jeopardizing my credibility. I am losing my new job offer because the inaccuracy of data and negligence from Experian. It is posting a big threat to my career and I simply can not afford that happen any longer. 

To protect my right, I am reporting this incidence to Consumer Financial Protection Bureau ( CFPB ) today, XX/XX/2020, to request for immediate investigation. 

I sincerely request Experian to correct the error and update my account status as open immediately. And also correct the error that account closed in XXXX. If the account is not updated in 24 hours, I will seek further legal action. 

Your attention to the matter is greatly appreciated. Thank you. 
Sincerely, 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 non-monetary relief
Consumer complaint received 2019-02-06
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
XX/XX/XXXX I was informed by Navient that my student loan was not eligible for reduced repayment options without refinancing. I refinanced and applied for a income driven repayment plan. I was informed that my account would remain in forbearance until XXXX so that the IDR plan could be processed. 
My first IDR request from XX/XX/XXXX was not processed by navient. 
I applied a second time. On XX/XX/XXXX i was informed that i was in repayment and had a payment due XX/XX/XXXX, 13 days later, with a repayment amount outside my ability to pay. 

i called again, and was told that my payment would be moved to XX/XX/XXXX and to reapply for an IDR plan. 
i reapplied, however, my payment forbearance request was not processed and i was stiill shown as past due for XX/XX/XXXX. 
ive just called Navent 3 times, and been disconnnected 2. According to Navient, the agent who took my call the last week of XXXX did not process any of my requests. 

Its very hard to resolve when the agents at Navient do not process requests. its very hard to resolve repayment issues when the information that agents provide is not reflected in the online activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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 I made a partial payment of {$1300.00} towards a vacation package to XXXX, Mexico for dates May XXXX XXXX XXXX via XXXX on my capitol one credit card. I made a second payment on XXXX {$1300.00} for a total sum of {$2600.00}. On XX/XX/2020 XXXX stop it services with no notification to their customers and they provided no refund. They deactivated their website and close all their call centers leaving no possible way to get in contact with them. The flights for the vacation package was book through XXXX via XXXX. XXXX refunded two flights ( Ticket Number/Amount/Form of Payment XXXX $ XXXX ) ( Ticket Number/Amount/Form of Payment XXXX $ XXXX Check # 2 ) on two separate dates in the form of a check. The first check was sent to XXXX on XX/XX/2020 and the second check was sent on XXXX XXXX but no money was returned to my credit card. After contacting XXXX I was informed that both checks were sent to XXXX and both checks were cashed. I then proceeded to contact Capital One of to dispute the charge due to the service not being render by XXXX. After provided them with all this information and documentation, Capitol One decided to decline my dispute.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-17
Company: CITIBANK, N.A.
State: IN
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:
{$3400.00} charged to my XXXX XXXX Citibank card by XXXX who then suddenly closed business and absconded with everyone 's money starting around XX/XX/XXXX with a notice on the website that no refunds would be given and this was for a trip we were scheduled to take on XX/XX/XXXX. I opened a dispute with Citibank for this and was initially denied based on XXXX saying they provided a refund although this was clearly not true as they were able to access my account showing no refund. I then filed additional claim which they re-opened and I was told it would be resolved by XX/XX/XXXX, it has still not been resolved and now says it is pending again until XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16
Company: All State Credit Bureau, Inc.
State: MI
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 received an inquiry on my credit report on XX/XX/2018. I am not applying for anything. I called the Allstate Credit bureau which is listed and they indicated I should call a XXXX XXXX I did not authorize this inquiry and it should be illegal to pull someones credit. Allstate Credit bureau also not not have a valid license to collect in the state of Michigan. I have no clue what is going on. My credit was pulled without approval by an unlicensed or bonded company in the state of Michigan.

Their inquiry or attempts to collect on anything that has not been verified or validated while they are not licensed must be cease and deleted from my reports. I am not in any way acknowledging anything because I dont know whats going on but they are not licensed if bonded. Michigan requires the license as well.

If the need is present to go to my attorney general and XXXX I will Thai is wrong Im so many levels.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: TD BANK US HOLDING COMPANY
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/22 I received notification there was a new inquiry had been opened on my credit report for Nordstroms. I did not apply for this account/credit card. I contacted the Fraud Dept through XXXX card and they put a fraud alert on my credit reports. On XX/XX/22 I contacted Nordstrom and they closed the account and opened a fraud case on their end. I have been instructed to file a complaint with the FTC or local police department.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-17
Company: ENOVA INTERNATIONAL, INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am disputing the following account : Net Credit. Account # XXXX. Opened date XX/XX/2018. Original balance {$3700.00}. Balance XXXX Closed. I already tried to fix this issue with Net Credit back in XXXX, when I sent them a request to remove this invalid item from my records. They havent moved a finger. Not even to investigate the account or marke it as disputed. 

This account is related to fraud, and they keep on reporting it. I am demanding Net Credit a deletion letter, and this item to be removed from my report. 

Please send to Net Credit the attached documents. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: Experian Information Solutions Inc.
State: NY
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2018-11-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
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:
Capital One Bank is fraudulently reporting on my credit report for the amount of {$0.00} account # XXXX * There is no balance because you claim to have charged off the account and it is a FACT that there is insurance on each account to protect the creditor against asset loss. Did you receive monies from an insurance claim that paid off the alleged account balance?

* Did they even fund the account or did you?

* Did you take tax credits?

* Are you the creditor or really just the servicer?

* Did you disclose that you were charging me for the insurance premium to protect against asset loss?

* Did you get your approval in writing agreeing to the amount of the premium as require by law?

* Did you get the insurance payoff prior to charging off the account?

* Is the contract creating the account even valid since they lacked full disclosure and equal risk?

* Did you even have a certified copy of the original contract bearing both my signature and your authorized representative 's signature?

* Can you provide a full accounting showing every charge, every payment, every fee, every interest charge, every credit -including the insurance claim monies received, and any other amount along with the date each event occurred? *This does not mean you get to send me monthly billing statements. You need a full history document ).

You need to respond point by point on each issue raised and provide documentation for everything you claim. Plus, verification requires a sworn affidavit, so that's how you need to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: Experian Information Solutions Inc.
State: GA
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:
On XX/XX/XXXX, I notified XXXX and the 3 consumer credit reporting agencies XXXX, XXXX XXXX and Experian that the balance of my XXXX  loans were paid in full. I also submitted documentation, After the alleged investigation both companies return with the same inaccurate information despite the proof they have received and XXXX hasn't done and update to my credit report since XX/XX/2023, They are NOT doing a through investigation if so they would've seen this information is inaccurate.

Company response to consumer: In progress
Consumer complaint received 2017-07-03
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:
A collection account appears on my credit report. XXXX XXXX Account # XXXX. The first report of the delinquency was XXXX and 7 years have now passed which according to the FDCPA, the collection account should have been deleted from my credit profile on XXXX XXXX. It still appears on my credit report and the credit bureaus are refusing to remove it.

Company response to consumer: Closed with explanation