BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-09
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I am a victim of identity theft. The following accounts, i never applied for, and they are fraudulent and unauthorized accounts : XXXX XXXX, XXXX, XX/XX/XXXX, XXXX XXXX, XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following accounts from my file. 

XXXX XXXX XXXX Balance : {$66000.00} ; XXXX XXXX XXXXXXXX Balance : {$26000.00}.

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 2017-08-03
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:
Dispute successfully submitted Account name XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... Recent balance Not reported Status Paid, Closed. Date opened XX/XX/XXXX Details Not mine or No knowledge of account Dispute successfully submitted Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... Recent balance {$3700.00} as of XX/XX/XXXX Status Open/Never late. Date opened XX/XX/XXXX Details Not mine or No knowledge of account Dispute successfully submitted Account name XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... Recent balance {$5700.00} as of XX/XX/XXXX Status Open/Never late. Date opened XX/XX/XXXX Details Not mine or No knowledge of account Dispute successfully submitted Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... Recent balance {$3800.00} as of XX/XX/XXXX Status Open/Never late. Date opened XX/XX/XXXX Details Not mine or No knowledge of account Dispute successfully submitted Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... Recent balance {$1900.00} as of XX/XX/XXXX Status Open/Never late. Date opened XX/XX/XXXX Details Not mine or No knowledge of account Dispute successfully submitted Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... Recent balance {$5400.00} as of XX/XX/XXXX Status Open/Never late. Date opened XX/XX/XXXX Details Not mine or No knowledge of 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 non-monetary relief
Consumer complaint received 2017-11-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
.Re : Capital One Acct I opened an auto loan with the referenced bank, at this I do n't remember the date. I started making the payments a month before the scheduled date of the first payment. 
I paid the loan on time each and every month it was scheduled. In XXXX XXXX, I had an accident hitting some XXXX ice and the car was totaled. Capital One told me that a $ XXXX amount was left to pay on the loan, so I figured that I would pay it off using the scheduled payment structure that was currently in place. 
Capital One, increased the payment and excelerated the time needed to pay off the loan. To say that I was upset was exhibited in my conversations with the various people I spoke with ; after all I had never missed a payment and felt that I should have been given some consideration! 
I was given a date of XXXX XXXX XXXX to pay the balance or have the account written off and foreclosed. Also they refused to allow me to continue to make the payments on line instead " I had to call them every month with my payments. I informed them it would be paid by XXXX XXXX, and it was. 
Capital One not only foreclosed the account but charged me an extra XXXX as a late fee! 
This accounted has and still is reported as the following : 1. Bad Debt 2. Write Off 3. Placed on collection, etc. 

As I have stated I was in no way going to let myself be bullied be a few people who made decision and usurped their own status in an attempt to play " XXXX '' This has maimed and undermined myself and my credit, all because the people who handled this tried to make me say " UNCLE '' and I would'nt! 
This should be corrected " IMMEDIATELY ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
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:
This is my NUMEROUS 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 XXXX XXXX XXXX XXXX Balance {$460.00} XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX Balance {$460.00} XXXX XXXX XXXX ( Original Creditor Name : XXXX XXXX VA XXXX XXXX XXXX XXXX Balance {$1600.00} XXXX XXXX XXXX  ( Original Creditor Name : XXXX XXXX XXXX XXXX XXXX  Balance {$400.00} XXXX XXXX ( Original Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX Balance {$3400.00} XXXX  XXXX : XXXX Date Filed XXXX. XXXX, 2018 Reference Number XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX Balance {$15000.00}.

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 2022-04-06
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for a loan modification for my home since XXXX and have been steadily denied help to avoid foreclosure. PHH Mortgage has constantly been denying my application for three years, stating that I have been missing documents or there have been problems with the mortgage title. They denied my loan modification after waiting a month for information on whether it had been approved or not. According to Civil Code section 2924.10, a servicer must notify you within five business days of any missing information, other errors, and deadlines for completing your application. PHH Mortgage has not done that and has waited a month to deny my application, stating that I did not send in the correct documentation. In XXXX, I applied for a loan modification, and it was approved. I made the trial payments on time, and then a month later, I was denied saying that there was a problem with the mortgage title. I called and asked them what the problem was, and they told me I had a lien on my mortgage title, but they didn't know what the lien was for. I was reassured I could apply again, and it would be approved. I have been applying since XX/XX/XXXX for a loan modification. A month after I apply, I will get notified that I am missing documents. In XXXX, I applied AGAIN for another loan modification. It was approved, and I started making the trial payments for three months on time. Also, in XXXX, a valuation was done on the property showing the TITLE/LEGAL ISSUES box was checked off as NO. On XX/XX/XXXX, I received a letter saying that my loan modification was denied AGAIN because I didn't send in my living trust. I applied again, faxing my living trust and a new loan modification application. I got a letter two weeks later stating that I submitted all the required documentation and that no further documentation was needed. Today on XX/XX/XXXX, I got a letter stating that the loan modification was denied because I didn't meet the agreement. I called PHH Mortgage, and they stated that I didn't show them proof that the lien was taken off the mortgage title. They never asked for more documentation other than what I had given them, and they sent a letter stating that they had all the documentation. I feel like this company is not trying to help its customers. PHH Mortgage has been sued twice before this as well. I am now facing foreclosure, and I am devasted and stressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
Company: Genesis FS Card Services, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Some person opened a Destiny Master Credit Card in my name on XX/XX/XXXX. I never opened an account with Genesis FS Services. I get a lot of mail with credit applications but throw them out in the apartment garbage bins. It appears someone went through the garbage and stole my identity to make purchases that were unauthorized and fraudulent.Genesis FS Card Services is the name of the issuer I spoke with Day, XX/XX/XXXX, This jyst came to y knowledge as I was texted a bill for credit services I never applied for.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
Company: FULTON FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have twice requested my account be closed, once through secure bank message, the other via signed letter sent regular mail and my account has still not been closed. In fact, today ( XX/XX/2018 ), I received a bank statement for my account which I have twice requested be closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: GreenSky, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I've contacted Greensky several times requesting an amortization schedule for my loan and their representative XXXX XXXX no surname ) refused to provide and refused to allow me to speak to her superior. 

XXXX Customer Solutions Account Manager Office : XXXX Ext. XXXX Monday to Friday : XXXX XXXX  to XXXX XXXX  I WOULD LIKE TO HAVE AN AMORTIZATION SCHEDULE FOR MY LOAN

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06
Company: URS Holding, LLC
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am XXXX and XXXX, they called at XXXXXXXX XXXX while I was in the restroom. when I called them back they wanted a friend and called an old number I got from the phone pool when I got a number.. 

XXXX XXXX?????????????????

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: CCF Intermediate Holdings LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
I am currently injured and awaiting XXXX for a workers compensation injury and have an EXTREMELY FIXED income and get credit report notifications daily via email and text messages. I woke up to both alerts of a XXXX XXXX  XXXX XXXX drop XX/XX/XXXX. 2023 at XXXX XXXX. I immediately contacted Speedy Cash on XXXX XXXX XXXX ( closest proximity to my address ) and they directed me to file these statements. I had previously applied for a loan to bail my son out of XXXX however was denied due to my low income level, So how was I supposedly approved 3 weeks later and XXXX XXXX were ever received in my financial institution? Speedy cash was not informative nor told me what account nor any information regarding this XXXX I supposedly received. My workers comp checks are XXXXXXXX XXXX weekly and I live under the line of XXXX! Please help me in this matter!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX : {$56.00} XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$0.00}

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 2021-06-11
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have repeatedly been harassed by this company and wish to cease all further contact. 
They are constantly calling my phone at inconvenient times which is a clear violation of the FTC and Consumer Financial Protection Bureau.

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 2023-12-08
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Back in XX/XX/XXXX, I received an email regarding my Shell gas credit card that since I haven't used in a while will be closed in XX/XX/XXXX. So I used my card on XXXX XXXX. I received another email about my account in XXXX being closed if not used. I sent a message through the Shell Credit website asking if I need to use it again or not. I went back and forth regarding my account with a representative. Not once did I request to have my account closed but the representative closed my account without my authorization. Now it has been reported to the credit agencies. I have attempted to contact Shell through their website and haven't gotten anyone to fix this issue. I called on a few occasions, keep getting the run around that it has been escalated. On XX/XX/XXXX, I allegedly spoke to a supervisor name XXXX who was very rude and informed me that a few points off my credit report won't matter. It's my credit report and it does matter to me. Especially when my account was closed without my authorization.

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 2023-12-07
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I told them that my wife stole my personal information and used to to take out cards and I didn't know she did it until she passed away and I can't file a police report on a deceased person. I'm homeless with my daughter and can't get an apartment now because my credit score is XXXX and it's not my fault.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-07
Company: ENCORE CAPITAL GROUP INC.
State: OH
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
When I received the letter I call them the credit card company they gave me two different numbers and could not help me so I could report it as fraud cause it was or help m with me with next steps

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Under the Fair Credit Reporting Act, XXXX Account XXXX for XXXX 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 also states that a consumer reporting agency can only furnish an account with my written instructions.

I have enclosed copies of the letters I sent to the credit agencies, the credit agencies ' responses, a full copy of my credit report, and the discrepancies that the different credit agencies show on the Account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: Experian Information Solutions Inc.
State: NY
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some inquiries. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2017-08-02
Company: AMERICAN EXPRESS COMPANY
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: Credit inquiries on your report that you don't recognize

Complaint:
I have mailed and faxed about this information on my credit report and the company have yet to respond and it been over 30 days. I did not authorize anyone to make these inquiries.I thought I had my account set that they have to get additional information to make sure its me.I know for sure this did n't happen.This is having a negative impact on my credit Amex XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX ( this bank seem to run my credit every other month ) XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX/XXXX XXXX XXXX ( I have no clue what this is ) XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: ENCORE CAPITAL GROUP INC.
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
On XX/XX/2023 a server arrived at the home address to serve paperwork. Another adult at the house accepted the paperwork while I was on the phone with him. The summons stated that " On XX/XX/2023 at XXXX in the XXXX XXXX XXXX, XXXX XXXX, Colorado, if an answer is not filed, the Court may be asked to enter judgment against you as set for in the Complaint. '' On XX/XX/XXXX, I signed up with XXXX and created a " Motion to compel arbitration and stay proceedings '' As it is a requirement of Midland Credit Management , Inc . Terms and Conditions before any court proceedings. 

On XX/XX/XXXX, I went to XXXX and mailed out a certified letter to be signed by the attorneys who created the paperwork that was served to the address and later given to me. I then went to the XXXX XXXX XXXX who stated Midland Credit Management did not file anything and couldn't take my motion since there was no court case and asked for me to return tomorrow. 

On XX/XX/XXXX, I went back to XXXX XXXX XXXX who stated again there was no case. Two county clerk admins looked for my information and went through active cases and summons and failed to find my information anywhere. They have provided and sealed such paperwork stating there was no record. The motion that I have certified sent to them is being still delivered and don't know what that would mean on my end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-18
Company: Experian Information Solutions Inc.
State: NJ
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 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 an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation