BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-15
Company: Experian Information Solutions Inc.
State: CA
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 demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 
FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported 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 explanation
Consumer complaint received 2023-01-23
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: Personal information incorrect

Complaint:
I am making a complaint about the 3 Credit Bureaus XXXX, XXXX and Equifax are reporting incorrect addresses on my credit report. I have tried to fix this issue and it keeps coming back as VERIFIED. The address does NOT belong to me nor do I have any knowledge of this address. The address is XXXX XXXX XXXX XXXX Florida, XXXX Please DELETE this address because this is misleading and is going against my consumer rights. I have made an Identity report on several accounts and I believe this address is attached to fraud accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/2020, I applied forbearance for my mortgage with Carrington Mortgage. I was ready to come out of forbearance and submitted my information. They extended the forbearance without asking while they performed their paperwork. I accepted the repayment plan for past months that were associated with the forbearance. My first payment is due on XX/XX/2020 and they reported a delinquency against my credit reports. I asked them why they did this and they stated it was part of the acceptance of the agreement. Nowhere in the plan I signed does it say there would be a delinquent reporting against my credit. If I know this, I would have never accepted the payment plan and just submitted what was due. 

Also, doesn't the Cares Act protect me from this?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07
Company: Navient Solutions, LLC.
State: IL
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 make {$100.00} payments to my loan on a weekly basis. And they are applying my payment to a loan that was closed years ago and not the active loan with over 7 % interest. This is the second time that this has happened. And every time it does I am being caused to pay more money as the interest on the other loans that are active and actually have a balance are accruing on top of each other. This is ridiculous that I am losing money because they can't apply payments correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: OPTUM BANK, INC.
State: MI
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
The account is with Optum Financial for a health savings account. This past XXXX I noticed a low balance on the account when I was updating my transactions into XXXX. I identified XXXX frauduent transactions and then called Optum. This inital contact was on I believe XX/XX/2023. I got an intial case # of XXXX and subsequently another case # of XXXX. They intially stated they would investigate and get back into contact with me. The account card was closed and a new card reissued. I never heard back on any progress and thus called back in XXXX. At this time they stated that I needed to complete a form to get any action on reimbursement. They claimed the form should arrive in a few weeks. I called back in XXXX when no form arrived in the mail. They stated that it was sent out, but they would reissue and verified my address. I called back on XX/XX/XXXX, I had still not received any form to complete and none of the fraudulent transactions had been reimbured to the account. At this point I asked them to email me the form. I called back on XX/XX/XXXX no email, and yes I checked the junk files. They tried again and stated it should arrive in XXXX  days. I told them at this time if it did not arrive I would register a complaint. Nothing has come. Reportedly the operator I talk to is not the one to actually sends out the form or email, it goes to their fraud department which has not acted. The XXXX transactions total {$340.00}. On a previous complaint to CFPB regarding another institution that Bank suddenly became quiet helpful in resolving the issue. I would appreciate your help here. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: U.S. BANCORP
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My soon to be ex husband XXXX XXXX is responsible by temporary orders to pay the US Bank credit card minimum payment balance monthly. He has stopped making all payments, just to put me in financial distress.

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 2023-11-02
Company: DISCOVER BANK
State: FL
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:
In accordance with the Fair Credit Report Act account DISCOVER BANK Account XXXX XXXXXXXX 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 an account without my written instruction. 

also, I have requested multiple times for this company to provide me with a signed copy of the contract to show proof of ownership and never have received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: Allegiant Capital Recovery LLC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have received multiple calls from this company regarding an alleged debt. I have sent a Cease and Desis letter to the company and have received numerous emails and calls since prior to. I have sent three letters requesting validation to this company and have yet to be provided with the requested information. 

Per the FDCPA 15 USC 1692g ( b ) " Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. '' One of the requested validation of this debt was to provide the original creditor of this alleged debt. Per 15 U.S. Code 1692a ( F ) any person collecting or attempting to collect any debt owed or due or asserted to be owed or due another to the extent such activity ( i ) is incidental to a bona fide fiduciary obligation or a bona fide escrow arrangement ; ( ii ) concerns a debt which was originated by such person ; ( iii ) concerns a debt which was not in default at the time it was obtained by such person; or ( iv ) concerns a debt obtained by such person as a secured party in a commercial credit transaction involving the creditor. ( This information was not provided to me. 

This is also a direct violation of my The Privacy Act of 1974 This has been a complete inconvenience to me as I am a small business owner and have to continue to stop what I am doing to answer calls, respond to emails and request the same information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28
Company: ORG GC GP Buyer, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
The debt for Citation Number XXXX Dated XX/XX/1990 in the amount of {$1300.00} has been resolved. I contacted the court regarding this matter and was told that the debt had reached the limit for status of limitations and was no longer collectable. I have received two letters from GC Services Limited Partnership threating me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-15
Company: BARCLAYS BANK DELAWARE
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I paid Barclays to settle an account. They are stating they won't send me the settlement documentation for over a month. I was smugly advised via phone by XXXX XXXX ID # XXXX that despite settling the account, they will not send me my settlement letter for over a month. He explicitly said there would be no exceptions to this. OVER A MONTH. 

Initially, they kept transferring the debt from one creditor to another making it impossible for me to actually settle the account. Example : It got sent to one creditor, and when I called that creditor to pay it they told me I would need to wait 1 to 2 weeks for the account to be assigned to an agent. After waiting that long and calling back, they told me they had sent it back to Barclays. it then took over a week for Barclays to get the account in their system to they could discuss it with me. This was the 3rd time this happened. They played pinball with my debt sending it from creditor to another all over the country. This prevented me from paying on this collection for 3 months adversely impacting my credit and ability to find gainful employment. Now the delay of my settlement letter is another month of delays. I need my letter to start at a new job so I can get health insurance for my children who have desperate medical needs that I can not pay out of pocket and therefore need insurance. Barclays has drawn out this process at every opportunity despite my consistent and constant good faith efforts to settle this going back to XXXX of this year. There is absolutely no reason why a consumer should need to wait over a month to get documentation showing I have paid and settled this account. 

I am requesting my settlement letter be escalated and generated ASAP and fax 'd to me at XXXX so this issue can finally be resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: CITIBANK, N.A.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
My original credit limit was {$16000.00} and Citibank decreased my credit limit to {$15000.00} which will make my usage percentage high. I explained to Citibank representative and supervisor that I used the credit card to take care of business expenses. This was very inconsiderate for Citibank to decrease my credit limit and making my credit usage higher. The current state of the economy has brought my financial hardships and stress but I have always paid my account on time or no later than 10 days past the due date. This is horrible customer service and this will place a hardship on my credit score. Will someone please address this issue?

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 2020-12-15
Company: AMERICAN PACIFIC MORTGAGE
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
An electronic debit transaction payment was made to American Pacific Mortgage for the amount of {$1400.00} on XX/XX/20 for the first payment of loan # XXXX and the wrong account number was entered but payment was processed by this mortgage company and I had to make another payment that was due before it was considered to be a late payment. I made the second payment to APM on XX/XX/20 and the mortgage company has not refunded my overpayment. They continue to give excuses and have not sent me my money. The Mortgage APM XXXX XXXX XXXX has been avoiding my e-mail contacts and have deleted my messages.

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 2021-11-19
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Truist charged me overdraft fees of {$100.00} total on XXXX separate purchases for which I had money in my account to cover. When I called, they claimed that other charges ( which did not even show as pending in my account until today, XX/XX/21, when I received my paycheck ) were responsible. However, I was not charged for these purchases but instead charged for the XXXX purchases for which I had money. I keep my own balance of my account as well as checking my balance daily online to ensure I do not overdraft. Truist only offered to refund {$72.00} of the {$100.00} overdraft fees I was charged as they said their system would not approve more and no one could override 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 explanation
Consumer complaint received 2023-10-07
Company: EQUIFAX, INC.
State: IL
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX  XXXX XXXX Balance : {$500.00} XXXXXXXX XXXX  XXXX Balance : {$1900.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$6700.00} XXXX XXXX XXXX  ( XXXX XXXX XXXX  ) XXXX Balance : {$270.00} XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$870.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$480.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-23
Company: EQUIFAX, INC.
State: AR
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 went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXXXXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
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:
This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 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 non-monetary relief
Consumer complaint received 2023-01-23
Company: Experian Information Solutions Inc.
State: DE
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded 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 2020-12-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
There is a late payment on my credit card with Capital One that I do not recall ever having. I have had this card since XX/XX/2017 and was under the impression I always had a good payment history. I checked my credit report with XXXX XXXX and saw a late payment that shocked me. This late payment must have been when I was touring the country since I am a professional boxer.

Company response to consumer: Closed with explanation