BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-29
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX NOTICE REQUEST FOR XXXX RE : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX It is my belief that the information on the consumer report is reporting inaccurately or incomplete. Pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) I am requesting a reinvestigation. 
Please verify this information is reporting accurately or completely. I am disputing the Date of last payment and open date XX/XX/XXXX. 
Once verified please send a copy of my credit file. 
Respectfully, 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 2021-09-23
Company: AES/PHEAA
State: AZ
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a letter from XXXX XXXX XXXX regarding loan consolidation and loan forgiveness. After contacting XXXX XXXX with the customer service number provided in the letter, I spoke with a representative who explained the letter and after hearing about the benefits I decided to proceed. No payments that I've made to XXXX XXXX XXXX have been used toward my student loans and no paper work was filed on their part ( even with the outrageous service charge ). My first service charge was for {$890.00} on XX/XX/XXXX and I've been charged a monthly fee ( which I understood to count towards my loans ) of {$39.00} until closing my checking account in XXXX of XXXX. After trying to contact them to inquire where my payments have been going, my phone number has been blocked, emails are left unanswered and I no longer am able to communicate with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I paid a individual XXXX and on XX/XX/XXXX I also paid this individual XXXX for consultation and aide for housing and student loan deferment. This individual never showed up to the meeting after I paid him. I filed a police report filed a claim with my bank as well as XXXX XXXX. Chase refunded me the money initially and then reserved the claim, and took the money back out my account without any reasoning as I have proof through text messages and phone calls that this individual never showed up or provided any service made out to me. 
XXXX from chase bank states that since the money is not recoverable they will not refund me money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-29
Company: Experian Information Solutions Inc.
State: AL
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 Account, XXXX XXXX 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 explanation
Consumer complaint received 2022-08-29
Company: DISCOVER BANK
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Received a statement on XX/XX/XXXX showing a minimum payment of {$260.00}. The balance of the account was {$13000.00}, of which all but the {$290.00} in purchases made during the period was part of a balance transfer offer with 0 % APR for 14 months. The statement shows no purchases were subject to an APR. On XX/XX/XXXX, I processed a payment for {$1200.00}, more than sufficient to cover the minimum plus the new purchase from the XXXX statement. 

When my XX/XX/XXXX statement arrived, it however showed that a balance of {$620.00} was subject to an APR of 16.49 % resulting in an interest fee of {$8.00}. When contacted, Discover 's representatives were unable to explain how and refunded the interest fee. That statement showed a balance transfer remaining balance of {$13000.00} at 0 % APR and that {$1600.00} in new purchases were made, and a minimum payment of {$270.00} was due. 

I made a payment then on XX/XX/XXXX ( day the statement is received ) for {$2400.00}. This was more than the minimum payment and the amount of alleged outstanding balance that nobody could explain. 

I then received my next statement on XX/XX/XXXX showing that I still had an interest bearing balance from purchases of {$5.00} ( which doesn't check out based on the above ) and was charged a " minimum interest fee '' of {$0.00}, but without any explanation of which balance it was being applied. I immediately scheduled a payment for XX/XX/XXXX ( next business day ) for the minimum payment plus the alleged remaining balance of {$5.00}. There were no net purchases made during this period I'll add. Only one transaction which was refunded on the same day. 

Discover refunded the {$0.00} in interest, but failed to explain sufficiently how the above makes sense dating back to XXXX. Maybe I'm in the wrong here, but I don't believe this is in keeping with the Credit CARD Act of 2009, which stipulates that any excess payments made ( amounts higher than your minimum payment ) should be credited towards the balance with the highest APR.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: OLIPHANT FINANCIAL, LLC
State: NJ
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 have made XXXX attempts with Oliphant Financial to obtain information about the alleged debt and I have not received a response. I used the collectors website contact us button and also the information email : XXXX. I have not gotten a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: NCB Management Services 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: Account information incorrect

Complaint:
I am filing this complaint because I'm going through a really stressful time due to NCB Management Services , Inc.

I filed an arbitration case against NCB, who is reporting the account involved in this matter. NCB has refused to arbitrate the matter thereby violating the contractual agreement that was in place with XXXX XXXXXXXX XXXX XXXX XXXX  XXXX. ( the original creditor ). NCB Management Services , Inc. is a debt buyer, therefore they must honor the arbitration agreement that was originally signed with XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

The XXXX XXXX XXXX is about to close my case because NCB has not honored the filing fees payment. This means that every consumer that wants to open a legal action against NCB will not be helped. 

I want to request the CFPB to begin an investigation so this company does not continue to evade its responsibility to respond to arbitrations filed by consumers. 

I am attaching the proof of the case and the XXXX XXXX XXXX 's email in which they state the case was to be closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have applied for loan modification since XX/XX/2022. They stated once my information was received we can continue paying the mortgage. Everything was sent that was requested with even more information on top of it. The income was more than XXXX of the value of the house. They have proof I can pay for the mortgage but have denied the re modification. They keep stating to send the information again. I do and its the same thing all over. Have been on the phone with them religiously about 3 or more times each month trying to get this straightened because you have to wait a while before they process the paperwork. I uprooted my life with XXXX small children from XXXX  back to XXXX to save my childhood home with the guarantee from them that the loan under my father could be remodified with no issues. He is XXXX so I will be living in the home with my family and keeping it in our family for years to come. They state there is nothing else they can do. We were trying a different option which they told us we could which was to refinance through an outside bank. But they will not give us the requested paper work to do so. They are stopping us from refinancing as well as remodifying this loan. We dont know what else to do. I can not be evicted with XXXX small children and nowhere to go. I have given them everything I could. Documents after documents proving I can pay the mortgage today or tomorrow but they refuse everything.

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 2023-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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  XXXX XXXX  account # XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2021-11-05
Company: FIFTH THIRD FINANCIAL CORPORATION
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Ive been having trouble the past two months with no having my on time mortgage payment processed for Fifth Third Bank because I owe a surprise new amount for escrow. The communication of the escrow analysis change has been poor but understandable because of USPS delays and that I havent set up an online account yet ( my mortgage was bought by them recently ). The adjustment to the escrow didnt align with when my property taxes are adjusted or with an insurance renewal so I was confused why it would change. Yesterday when I was able to talk to the escrow team on the phone, they told me that it was their process to hold twice the amount of the total of my projected property tax and insurance costs in the escrow account. So I paid the overall shortage of {$270.00} and my mortgage payment is also increasing by {$16.00} every month. It doesnt seem right that they are about to hold double what I am projected to owe in property tax and insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
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: Was not notified of investigation status or results

Complaint:
, Transunion, XXXX you all get the same report from metro 2 XXXX removed the XXXX XXXX XXXX  I request you remove it 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 non-monetary relief
Consumer complaint received 2021-09-11
Company: Bread Financial Holdings, 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: Account status incorrect

Complaint:
Account is reporting multiple inaccuracies and violations of my consumer rights. I have disputed this with the bureaus and the creditor, both of which have failed to remove or correct any of this information. Creditor has also failed to mark this account as disputed and is reporting a derogatory/collection status which is inaccurate, this account should reflect as " PAID AS AGREED ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Transunion is reporting an inaccurate alleged collection # XXXX my credit file and it is causing me harm financially, emotionally, and physically I haven't been more stressed and tired in my life since spotting these violations. This alleged collection account is reported as open with an alleged past due balance which is a violation how is this account even being furnished at this point. Even though I already sent disputes on this collection account I had to make this complaint because Transunion has a history of reporting inaccurate information even after it is disputed. This consumer reporting agency is in violation of USC Title 15 1681Eb- Accuracy of the report - '' Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' and USC Title 15 1681i 5 1-2- Treatment of inaccurate or unverifiable information - ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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 2022-08-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
Todays concern is in regards to my account with Capital one Account # XXXX I ran into an issue in XX/XX/2021 When I XXXX XXXX XXXX XXXXXXXX This put me in a pickle for several months. Thankfully I got back on my feet and I got account current in XX/XX/2021. I have since been paying on time as well. Since Congress passed the CARES ACT to assist consumers impacted by Covid.I hope we can get this resolved quickly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-05
Company: EQUIFAX, INC.
State: AL
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:
The payment status reads charged off/collection. 
And the account type reads as its an open account. The account was actually paid in full of {$290.00} I believe the date was XX/XX/2018. But account status read derogatory. I have asked for the account to be remove because how it reads its hurting my profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: EQUIFAX, INC.
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: 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 items : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$5500.00} XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX XXXXXXXX XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX NA Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XXXX XXXX Inquiry Date XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX  Inquiry Date XX/XX/XXXX XXXXXXXX XXXX  XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX  XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13
Company: ORG GC GP Buyer, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
GC Services Collections for  XXXX  {$2600.00} rounded Balance was discharged through Chapter  XXXX  I have disputed this item 4 times I also never received a collection notice before it showed up on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08
Company: Key 2 Recovery, Inc.
State: KY
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was attending XXXX College, and at the time they were trying to get us to fill out FASFA and my mom had trouble getting certain information and we were telling XXXX were trying to get the information but couldnt get it as fast as they wanted. I stopped attending class and told them I no longer am coming and they ended up telling me well your going to have to pay for this somehow and couple months later, I got a letter in the mail stating I have to pay {$4100.00} to Key 2 Recovery, I have no clue how to get in contact with them, Im wanting to dispute because I did stop going to the classes and I pulled out. I cant get in contact with anybody, the school was very difficult and also many of us signed up wanting to be Dental Hygienist and the school later on next year came out with that program, and didnt even notify us that they would be coming with that program so instead we could have waited for the actual program we wanted to do. This is all a big mess and me not being able to get in contact with anyone, is very unprofessional.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: EQUIFAX, INC.
State: NC
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 response to consumer: Closed with explanation
Consumer complaint received 2019-11-27
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 is missing that should be on the report

Complaint:
XXXX acquired auto installment loan from XXXX XXXX XXXX  XXXX TEXAS-LOAN OFFICER XXXX XXXX XXXX, LOAN NUMBER XXXX, PRINCIPAL {$16000.00}, XXXX XXXX XXXX XXXX, XXXX XXXX I CONTACTED XXXX XXXX XXXX LOAN OFFICER XXXX XXXX XXXX ABOUT ANOTHER AUTO INSTALLMENT LOAN XXXX XXXX XXXX XXXX FROM XXXX XXXX XXXX GA, XXXX XXXX PAID OFF THE XXXX XXXX XXXX XXXX  REMAINDER BALANCE BUT XXXX XXXX XXXX   NEVER POSTED THIS ON EXPERIAN CREDIT FILE, I CONTACTED XXXX XXXX CREDIT REPORTING DEPT WITH NO POSITIVE RESULTS, XX/XX/XXXX I CONTACTED XXXX  FILED A REPORT, XX/XX/XXXX THE SENIOR VICE PRESIDENT XXXX XXXX XXXX Senior Vice President XXXX XXXX XXXX  XXXX. XXXX  XXXX XXXX, TX XXXX P : ( XXXX ) XXXX C : ( XXXX ) XXXX XXXX XXXX assured me this matter will be fixed before the next credit report, XXXX XXXX I went on FREE CREDIT REPORT uploaded a copy of the XXXX XXXX XXXX  XXXX XXXX XXXX  payoff loan document,, XXXX I CONTACTED EXPERIAN REP XXXX PHONE NUMBER XXXX, XXXX tells me to call him back with the loan number and he will take care of this problem,XXXX XXXX XXXX  I called Experian Rep XXXX to give him the Loan info Then XXXX tells me he cant help me, XXXX tells me XXXX XXXX XXXX  has to send the information..I contacted XXXX XXXX XXXX XXXX XXXX   credit reporting officer XXXX XXXX phone number XXXX..Mr XXXX XXXX me XXXX he sent in the trade line to Experian credit reporting agency..XXXX Mr XXXX XXXX said he contacted Experian corporate office in Illinois and spoke to the Experian main office then Mr XXXX tells me he will call me Today XXXX Mr XXXX did not call me Today it is XXXX XXXX The XXXX XXXX XXXX XXXX has NOT POSTED ON 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 2022-08-29
Company: Marlette Funding, LLC
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:
n accordance with the Fair Credit Reporting Act XXXX Account # XXXX, # XXXX # XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666 B : A creditor may not treat on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation