BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-19
Company: Resurgent Capital Services L.P.
State: GA
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:
On XX/XX/XXXX I called a company called Resurgent and spoke with XXXX XXXX ( acct senior rep ) who informed me that I needed to speak with a different department and transferred me, I then spoke with XXXX XXXX whom claimed to be a supervisor in the secured loan servicing department and provided me with the account XXXX for LVNV Funding and said I am in the wrong department and said I needed to speak to a different department again. 

I was then transferred to another person named XXXX XXXX who confirmed that the company received my fraud dispute on XXXX XXXX from the credit bureaus along with supporting documents which included a police report and FTC complaint, however they couldn't complete my dispute because there was a fraud affidavit missing. 
I was never informed by LVNV Funding that they needed a fraud affidavit in order to process my request of Identity theft, although XXXX XXXX made herself personally responsible to send me a fraud affidavit on XX/XX/XXXX I am requesting this matter gets looked into deeper for violations of Federal law 15 U.S. Code 1681N - civil liability for willful noncompliance. I have made several attempts to have this matter resolved with LVNV funding and XXXX however have been unsuccessful. 
LVNV Funding is reporting invalidated fraudulent information to the credit bureaus and said action might constitute fraud under both Federal and State laws. Due to this fact this is my final attempt to have this matter resolved prior to contacting the National Association of Attorney General and seeking legal action. 
Attached I am sending a copy of my valid police report and case number along with the FTC complaint that I have already filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: Experian Information Solutions Inc.
State: NV
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:
Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense stress and XXXX. I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.

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 2020-09-30
Company: Navient Solutions, LLC.
State: MD
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:
I submitted a dispute letters in order to have accounts deleted because the information reported was incorrect. Instead of deleting the accounts they claim they updated information. There is no information updated or changed with the accounts I am disputing they still have incorrect information listed. I want every closed student loan account deleted from my report. The information being reported is inaccurate when I sent my dispute letters I sent proof along with the info as to why they needed to delete the loans off my report. Nothing was deleted claim to have updated the info but everything is exactly the same. It is their responsibility to report every account with accurate information and they have failed in this department.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Kohls has intentionally implemented a mobile app and website system which is designed to increase the probability of obtaining revenue by incurring late fees from consumers. I have not encountered a retailer which has refused to implement a WORKING automated online payment system for drafting minimum payments for each statement period. Several months ago, I tried to complete the set up to have these payments taken because I received a late fee. I have called on previous occasions to try to set up a recurring monthly minimum payment, which is not being offered. I entered all of my payment information on the website ( and it is still there to date ), however there is no option to make a recurring payment. Resultantly, I have been charged several late fees ( which by now total at least {$230.00} ) and to add insult to injury, I am also charged interest on these fees. I have been experiencing medical issues and family challenges which do not allow me to give attention to every email or remember to log in to Kohl 's to make payments, as I do not frequent the store enough to push this to the top of my to-do list. An automated payment for monthly minimums should be available, just as it is on other Capital One cards that I use. These practices are predatory in nature and designed to obtain money through dishonest means. My next step will be to try and find other Kohl 's card users because I am sure that I am not the only one who has been experiencing these issues.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Last XXXXXXXX XXXX XXXX I had scheduled a payment with XXXX XXXX for my account. I recently had my debit card stolen so my funds were not in the account. I spoke with them to set up another bank account to connect since my previous one was stripped of funds. After the call they said my new account would process the payment. Once the due day occurred it didnt come out of the original account so it bounced back which caused me to be 30 days late. I have never missed a payment ever and felt this was really frustrating considering the fact I just had spoke with them on the phone. When I reached back out the company didnt take ownership and said they couldnt do anything about it.

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 2023-07-11
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: Information belongs to someone else

Complaint:
This is my 13th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint a gainst 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 2023-03-30
Company: ADP Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Today XXXX 2023 I tried to withdraw XXXX XXXX from the atm from a card given to me by my employer an the atm told me my creditor denied my transaction so atm didnt give me any money but as soon as I check my account info with the bank It has stated it had been withdrawn. I proceed to call both companies the atm an this card witch isnt even a bank. ( wisely ). First the atm group said contact your bank XXXX ask for a regulation XXXX email to send to us. I then call wisely my card, for them to tell me it takes 45days minimum to resolve this an they in willing to work with the atm ppl to resolve this issue asap. I had talked to 3 employees at wisely 2 people to get told theres nothing they can do. So I call again an the agency then tells me they can try to email me then hangs up on me I feel as if there trying to scam me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for a loan mod in XX/XX/XXXX2020 and was approved. I made all 4 trial paymbts and my title showed a child support judgemnt that has already been paud in full. I provided Lakeview proof of it being paid in full on XX/XX/XXXX and as of this day they have not cleared the title issue. My credit is being hit hard every month and up to this date I have made 8 trial payments. I have never missed a single payment. I have also sent proof that according to family law the judgemnts remains only until paid. I don't want to lose my home. Title should have already omitted this line to complete my mod. I have escalated many times and not getting anywhere.

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 2022-08-18
Company: Experian Information Solutions 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:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.

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 2023-02-03
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I'm asking you to change this doubtful data a number of times. I will file a lawsuit against you because I believe you failed to verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my prior COMPLAINT #, and I'm including it once more. Please don't disregard my plea to correct these false entries in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2020-09-30
Company: CITIBANK, N.A.
State: NE
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Citi Bank/ Home Depot Credit Card , keeps calling and has called everyday, since XXXX. Everyday Sunday through Saturday. 4 to 6 times a day, I have been polite, ask Citi Bank to stop calling. I've explained I'm not working bc of COVID-19, and they continue to call unrelenting, I've answered the phone number and there's nobody to talk too. Then they call my wife 's phone 4 to 6 times a day also.

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 2020-12-16
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: AMERICAN ADVISORS GROUP
State: CA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
American Advisors Group ( AAG ) fails CFPB compliance ( concrete evidence have been witnessed by current/former employees over the years and ongoing ) : Does NOT serve the mortgage lending needs of American seniors in an ethical manner. 
Does NOT treat all seniors equally. 
Is NOT honest with seniors. 
Does NOT give full disclosure about all terms and conditions of the mortgage loan during sales process. 
Instruct loan officers to mislead and manipulate seniors, and use knowledge to take advantage of seniors. 
Does NOT adhere to CFPBs code of ethics or XXXX XXXX XXXX XXXX XXXX ( XXXX ) s guideline.

Dishonesty and No Integrity : AAG management members conduct business in a manner reflecting systematic bullying, dishonesty, dishonor, and no integrity. 

Personal Misconduct : AAG loan officers mislead and manipulate unsuspecting seniors in signing up for reverse mortgages without disclosing all loan terms. Loan officers are instructed by management to lie, manipulate, and deceive seniors. Those of us who raise questions about AAGs steering behaviors and misleading information or speak out against the companys unethical and illegal business practices are placed on administrative leaves or have been fired due to fictitious reasons. 

Dishonesty in Advertising : AAG provide misleading information in their advertisements and solicitations. The TV ads by XXXX XXXX and mailed flyers to seniors asking them to call in for a DVD, but in reality loan officers are trained to persuade and manipulate seniors to sign up for reverse mortgage when they call in. The DVD is just a bait and switch sales technique. 

Non-Compliance with Law : AAG is an unethical company that has been scamming seniors with reverse mortgage under the protection of the Federal Housing Administration ( FHA ). They bride employees to go online and give glowing reviews on XXXX and XXXX, but in reality many employees are being bullied and harassed by management. AAGs business values are contradictory to their business practices. AAG training and workplace environment reflect systematic bullying, manipulation, and deception at the lowest to top management levels.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30
Company: Experian Information Solutions 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:
THESE ACCOUNTS LISTED SOMEONE USED MY INFORAMTION T OPEN THEM THEY USED MY PHOTO ID SOCIAL SECURITY NUMBER WITHOUT MY CONSENT SOMEONE STOLE MY IDENTITY I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ).

They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of 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 explanation
Consumer complaint received 2021-05-17
Company: EQUIFAX, INC.
State: NJ
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:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX  XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX {$670.00} XX/XX/XXXX 2020

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 2022-10-05
Company: NAVY FEDERAL CREDIT UNION
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/22 my account was hacked received a text called the bank filed a claim the bank then stated XX/XX/22 I cancelled the fraud claim and there was an investigation being done called the bank back employee stated they found my funds and should have my account back to normal in 48 hrs called the bank back now they are saying it can take 6-8 weeks my work checks are still being deposited my bills are getting behind and are being cut off I need help I have an account with navy federal credit union

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-08
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I am writing today in regards to my account with JPMCB CARD account # XXXX. The reason for writing today is in regards to the late payments which is showing on my report in XXXX, XXXX and XX/XX/2020, due to Covid I was unable to make the payments in XXXX, XXXX and XX/XX/2020. As soon as I was able to, I got my payments made and caught up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: Incomm Holdings Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to pay a bill

Complaint:
On XX/XX/21, Purchased a XXXX XXXX gift card for {$200.00}. On the receipt it says activation successful but went to go use the card and it would not work. Called the 800 # which is Vanilla Visa and they said the card was not activated. So I went back to XXXX and they said they can't do anything call Visa back. So I did. I provided copies of the card, receipt, and ID. They came back and said the receipt said misc even though all the numbers from the gift card are on it... they wanted a receipt that said Visa on it. XXXX  went to their receipts and said they do not have a more detailed receipt. They said they emailed Visa. That's was 5 days ago. I am tired of going back and forth and want my {$200.00}. I have done nothing wrong but yet paying the price. 

XXXX  ref # XXXX Vanilla Visa ref # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: Ocwen Financial Corporation
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:
Ocwen Loan SVC status is incorrect on my credit report. I was notified that I was approved for a Deed in Lieu of foreclose which I had applied for. Should reflect that on the account.

Company response to consumer: Closed with explanation