BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
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 writing you regarding this account. You are reporting a 30 day late on XX/XX/XXXX. 

My long-time bank account was victim of fraud at the end of XX/XX/XXXX. My account was frozen during the fraud investigation. The investigation verified fraud as the resolution. The offenders had my bank account # and routing #, therefore my account had to be completely closed and a new account opened. Due to this account closure and opening of a new account, I had to update my payment information with over 20 companies. It has truly been a nightmare, but the current situation with Kohl 's, negative reporting and detrimental impact to my otherwise excellent credit has been the most devastating of all. 

I have had my Kohl 's charge account since XX/XX/XXXX ( 11 years & 4 months ). My account was in impeccable standing. My Credit Limit is {$3000.00}, which is the highest limit Kohl 's offers. I have always been an exceptional Customer. This was a purchase of {$11.00}. I would NEVER not pay a payment on time, certainly not a {$12.00} payment. 

My payment information was updated with Kohl 's online once my new account was opened. I made the payment of {$11.00}. I thought no more of it. I realized when XXXX Shopping on the Kohl 's app I still had a balance. I made the payment again. The payment still did not process. I spoke to Customer Service multiple times in an attempt to clarify and resolve the issue. I did not ever think of the possible repercussions of a late payment to my credit due to processing complications of such a tiny payment & balance. I am truly devastated. A {$11.00} purchase that became a {$13.00} payment has truly devastated my life and my credit. I am in the process of building my first home. Completion is scheduled for XXXX, which means I am within 60 days of closing my mortgage. My Credit Score was in the 800s before this complication. My mortgage loan has been structured around this high credit score. This mixup could destroy my current home purchase. A {$13.00} payment that would not process successfully, due to me being victimized by fraud, has destroyed my excellent credit. I would like to ask, in addition to the honest errors and unsuccessful payment updates, that Kohl 's would be willing to forgive and remove this late payment reporting as a courtesy and goodwill adjustment with a promise to pay all payments in full and on time in the future. I am a loyal and long-time Kohl 's Customer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-10
Company: Kriya Capital, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this account does not belong to me. I have contacted this company yet they still report a fraud account that they have no valid proof of bearing my real signature. This account does not belong to me and it was open as a result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-24
Company: Experian Information Solutions Inc.
State: TN
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:
Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Balance : {$0.00} Date of Late : XX/XX/2020 This is a formal complaint against Experian. I do not recall being late for the month of XX/XX/2020. I might have received my statements late for this particular month. I know I am always on time in paying this account.

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 2023-01-17
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: Navient Solutions, LLC.
State: NY
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 was in a income repayment plan before Covid and they were also taking my income tax returns and garnishing my wages. When I asked after all the years my loans were being paid with my income tax returns as well as a garnishment they told me nothing was applied that i was only paying interest. After 10 years of income tax being taken at {$2000.00} to XXXX a year nothing was ever applied. I asked for a breakdown of where my payments was going and they can not supply me with that information and now they are telling me they will start to garnish my wages at the end of the month. Help me to please get to the bottom of this. I want to see the payments they took over all these years and where they were applied to. I have been dealing with Navient and now one loan is in default with a collection agency that wants to garnish my salary. I want to start to pay them off except i need the proper paper work with the correct figures. When I go to the XXXX XXXX XXXX located in Texas with a contact number of XXXX, they tell me those garnishments do not get applied to my loans it pays for interest only. Please help Regards XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17
Company: NAVY FEDERAL CREDIT UNION
State: PA
Product: Credit card
Issue: Billing disputes

Complaint:
I read the article from the CFPB about all the illegal activities that Navy FCU did to consumers. I wrote a letter certified mail to Navy explaining the issues i had with them and let them know about the exact same illegal activities they did to me. I received a letter from the Senior Vice President XXXX stating he personally reviewed my dispute and he determined that he had validated the account with all XXXX credit bureaus. But he failed to provide any proof of the alleged debt, no contract, no account statements. All he said was that i still owe them money. I sent him a second certified letter restricted and he personally signed for the letter. He has not responded to that letter at all. In the letter i pointed out that they had failed to verify the account pursuant to 15 USC 1681 s-2 FCRA as well as FACTA section 312.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: Experian Information Solutions Inc.
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: 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 15 USC 1681. 

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 XXXXXXXX The laws listed below according to the " FCRA '' Fair Credit Reporting Act, is what the creditors and credit reporting agencies/bureaus are in willful violation of. 

1. 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

2. 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

3. 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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. 
( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, 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 2022-05-19
Company: Credit Control, LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This complaint is in reference to Credit Control R # XXXX. I received a letter stating that I was referred to collections for an account I am not aware of, is currently not on my credit report and allegedly became delinquent 9 years ago. This is the second company with my PII and attempting to collect a debt that is not mine. I am disputing this outrageous defamatory, reckless and harassing claim that has put me under emotional distress. I do not recognize the debt they are referring to and it is outside of the statute of limitations, both State and Federal. I fear that this institution will report a debt that does not belong to me which would damage permanently my high credit score. I am contacting legal counsel for advise and please be advised that if my outstanding credit history and credit score are affected by this company and their abusive letter, I will seek restitution, and compensation for material damages as a result of injury to my credit, furthermore, I will seek compensation for undue stress, pain and suffering, and will further refer this to regulatory agencies to investigate potential FCRA, FDCPA non compliance by this company that is currently harassing and threatening me with unfounded claims. Please note that not only the claim is false and borderline slanderous but it is predatory in nature as they are attempting to collect XXXX for an alleged debt of XXXX. Furthermore the letter sent to me is not compliant with the required disclosures as mandated by NY State. Please note that I attempted speaking with them and they refused to talk to me unless I gave them my DOB and SSN. They are not my financial institution and will not get PII that could expose me to ID Theft. The first rep was arrogant and rude, he hung up on me ; the second one an alleged manager was more cordial but still non cooperative. All this can be evidenced in the call recordings from XX/XX/2022 at XXXX and 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 2023-01-16
Company: EQUIFAX, INC.
State: TX
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/2023 please be sure to enter dates that all letters were sent. 

I sent disputes to XXXX, Equifax, and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them of the violations they were making to my consumer report. It has been over 60 days and they have failed to respond. I am attaching copies of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: Mr. Cooper Group Inc.
State: AR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am the successor in interest to a family home in mtn. home Arkansas. It took numerous attempts over the course of a year to get Mr. Cooper the mortgage servicer to recognize this. Since then I have requested a validation of the debt and the payoff amount. I requested any and all available loss mitigation options to be presented. None of these have been done or provided. They have on multiple occasions tried to assert the property is vacant and send people to " maintenance the property '' to which I have responded on each occasion that the property is not vacant. I believe this was done to ultimately cause more fees to be assessed making it more difficult to keep the property. I have not been properly noticed of the immanent foreclosure. No proof that Mr . Cooped has the legal right, standing, authority to foreclose and sell the property. 

Upon my own investigation I have discovered Mr. Cooper is demanding the remaining principle of {$35000.00}, plus {$14000.00} in missed payments, and {$7000.00} in " lender paid expenses ''. There is no details as to what these charges are for. The {$14000.00} includes principle amounts that the are adding to the states remaining principle balance in an effort to get more money in profits that could possibly be owed. I believe this to be a unconscionable and deceptive practice that was done intentionally by the mortgage servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
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:
It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these items belong to me, I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified, please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: Experian Information Solutions 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:
***I previously submitted a complaint for this company with incorrect attachments. Please delete XXXX, XXXX, & XXXX and replace with this corrected information and new complaint # 's. 

I was a victim of theft in XX/XX/2021. 
My purse was stolen with all my identifications in it. I made a police report in XXXX XXXX, Fl. ( case # XXXX ) I have been trying to purchase a home for my family and this is causing my denial for a loan. I have disputed with all 3 credit bureaus and the company itself. I spoke to XXXX and they have no record and they advised me to request the credit bureaus to remove it from my report. No one has taken the time to fix the credit error. This account does not belong to me. I have also sent them a copy of all the different information reporting on the same account with each credit bureau I even sent a 609 letter because I know this is not mine. They have not provided any proof nor removed it. XXXX also said they can't find anything on this account. Please help

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 2022-05-19
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:
FCRA violations : account not mine XXXX XXXX XXXX Potentially negative Date opened XX/XX/2016 Balance {$1300.00} Status Account charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2022-05-19
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Upon reviewing my updates, incorrect information was found in my reports. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the account that are reported on my Credit Reports : XXXX XXXX Balance Owed : {$15000.00} Date Opened : XX/XX/2019

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 2019-07-30
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello, I'm writing to ask for your help with my mortgage company. 
My home was lost to hurricane XXXX on XXXX XXXX. It was destroyed and torn down. 

The insurance company was great and sent me two checks in both my name and the name of my mortgage company ( PHH Mortgage ), one for the amount of {$52000.00} and the other for {$2200.00} totaling {$54000.00}. They also sent me another check for the contents, but that was only in my name. 

I endorsed the two checks and sent them to the mortgage company. On-line, it shows they received these checks on XX/XX/19. 

PHH Mortgage ( the Loss Draft Department ) has repeatedly denied my request to apply this balance to my principle, they have denied my request to send the money back to me, and when I asked for a payoff statement, in writing they put that my 'Available Escrow Funds ' is {$0.00} - they and wanted me to sign and notarize that statement and send the difference of amount back to them. I refused to sign a statement that said I have no money in escrow. 

I'm at a loss of what to do next. They won't apply it to the principle, won't acknowledge my escrow amount in writing, and won't send the money back to me ....??? 

They do not offer an account representative, so each time I call I have to explain to a new person what is going on, and each time I am given a different reason why they can not help me. When I asked for the money back I was told that amounts over {$40000.00} can not be released without a letter from my insurance company saying they approve of this - then PHH would review and let me know if they would release the funds. 

My insurance company had never heard of such a request and does not want to get involved, but my representative did send me an email stating this, and she added that she does not understand why they are denying me access to this money. 

I have been making the monthly payments and have kept current with this account. 

I know they are a big corporation and I am just a small nobody, but I really don't have {$54000.00} to give away. It is all so frustrating. 

I would appreciate any help you can give me. 
If you can not help, please let me know what my next course of action should be. 

Thank you for your time,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: EQUIFAX, INC.
State: IN
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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
n accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 non-monetary relief