BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-01
Company: Resurgent Capital Services L.P.
State: NY
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:
There are some negative items in my credit report and dont belong to me XXXX. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 


XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: CITIBANK, N.A.
State: NY
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:
There are some negative items in my credit report and dont belong to me XXXX. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 


XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Account Number : XXXX XXXX MACYS Account Number : XXXX XXXX XXXX XXXX XXXX XXXX A Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : 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 2022-04-07
Company: Kriya Capital, LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2020, I discovered some accounts on my credit report that did not belong to me, that happened right after I pulled my report. I do not know how, but the accounts were there. On XX/XX/2020, I started my journey of removing accounts that were not mine on my credit report, little by little the accounts have been coming off, unfortunately, I am still getting in the mail collection letters regarding accounts that are part of Identity Theft, the accounts are not mine, I do not recognize them. Sometimes on XXXX, XXXX, I recently received a collection letter from CREDENCE RM, trying to collect on an alleged debt with XXXXXXXX XXXX XXXXXXXX I need this collection to stop contact me regarding this Debt because it's not mine and it needs to be remove from my credit report, because it is part of an issue with Identity Theft and that account has been re-inserted. That account was disputed on Identity package that was submitted XX/XX/2020 ( See attachment ), I am reaching the CFPB to do a complaint and accelerate the process of fixing this Issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-28
Company: JPMORGAN CHASE & CO.
State: NH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
My wife and I opened an account with Chase Card Services in XX/XX/XXXX. We have used the card continuously for 25 plus years. We enjoyed a variable rate of 10.49 percent which change whenever the prime interest rate goes up. On XX/XX/XXXX we were notified that the rate would be changed to15.49 percent because " We are changing the Annual Percentage Rates ( APRs ) as described below because your APRs are below the lowest APRs we currently offer on similar accounts. '' We have until XX/XX/XXXX to accept or reject their mandate. 

We have an excellent credit rating ( XXXX ) and have never been late. We are now retired on a fixed income and I am approaching XXXX years old. This action by Chase seems illegal since we agreed to one APR and now they are changing it unilaterally. My question is can they do this? Could this be an example of age discrimination?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Credit card or prepaid card
Sub-product: Store credit card
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:
Your company Capital One, Kohls did not communicate with all three credit bureaus within 30 days of receiving any of the two letters sent to you that the item in question was in dispute as per the Fair Credit Reporting Act. As proven by my most recent credit report from all three credit bureaus. 
I have disputed a debt and you have failed to report it as disputed with the credit bureaus. 
Protection under the Fair Credit Reporting Act. ( FCRA 623 ) If a consumer notifies a furnisher, at an address specified for the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. Section 623 ( a ) ( 1 ) ( B ). 

If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. This identified by an informational line about the dispute added in the comment section of the item on the credit report. Section 623 ( a ) ( 3 ).
Furnishers must comply with federal regulations that identify when an information furnisher must investigate a dispute made directly to the furnisher by a consumer. Under these regulations, furnishers must complete an investigation within 30 days ( or 45 days, if the consumer later provides relevant additional information ).
You can prove that this process mandated by the FCRA took place between your company, XXXX and XXXX consumer reporting agencies?
Capital One Bank, KOHLS did not respond to dispute letter XXXX-2017 Per the Fair Credit Reporting Act section 611 your company did not  complete an investigation within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10
Company: AMERICAN EXPRESS COMPANY
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 information incorrect

Complaint:
I had a credit card that I closed. I called the company and was told the balance was {$4.00}, so I paid it. Several months later, American Express reported me to the credit card company for failure to pay the {$4.00}. I called and they assured me, it was fixed. 

Today, was the THIRD time I have been reported for the same issue that was supposed to have been settled.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-10
Company: CITIBANK, N.A.
State: AZ
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:
There is an unauthorized hard inquiry on my credit report from Citibank Na on XX/XX/2018. Im not familiar with this inquiry at all and not sure why it is on my credit report but i would like it removed as it is effecting my overall credit performance. thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: EQUIFAX, 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 status incorrect

Complaint:
XXXX  XXXX is showing on my account never had account with them there on my Equifax account

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-26
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
They are calling me doing work hours.

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 2017-10-03
Company: JPMORGAN CHASE & CO.
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
We went through years of trying to get them to give us a modification. They would never do it. Now they sent us a letter saying they made a mistake and sent us a check for {$100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I am never able to log in to my equifax website. There is always a temporary unavailable error day after day. Even with resetting passwords and making new account with new email. You can never get any help or actual human beings on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I FOUND A XXXX CARD ACCOUNT ON MY CREDIT REPORT THAT I NEVER RECEIVED OR SIGNED UP FOR AND BELIEVE THAT IT IS A RESULT OF ID THEFT. I FILED A REPORT WITH THE FTC, CONTACTED XXXX DIRECTLY, SENT INFORMATION TO ALL THREE CREDIT BUREAUS AND ASKED FOR PROOF THAT I ACTUALLY SIGNED UP FOR THIS ACCOUNT WITH NOTHING OR NO RESPONSE FROM THE CREDIT CARD COMPANY. I CALLED ALL THREE BUREAUS AND NOTHING HAS BEEN DONE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: HW Holding, Inc
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
they knew covid 19 hit us seriously, XXXX XXXX constantly harassed me I dont have the money to pay them back, havent been back to work since the pandemic started they knew i had multiple deaths at the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08
Company: Caliber Home Loans, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/XXXX my wife was diagnose with XXXX XXXX .had a XXXX XXXX and we struggled making our mortgage payment to XXXX XXXX, we fell behind in XX/XX/XXXX and ask for a modification, that process dragged on until XX/XX/XXXX, XXXX then turned our mortgage over to caliber home loans, so for 6 months that it dragged on and finally we where approved for a modification trial which started in XX/XX/XXXX, we sent in 1 payment, at the time of the modification process we where also offerd a deed in lew of forclosure for XXXX, due to my wife going through XXXX treatments she developed XXXX and was XXXX XXXX XXXX XXXX XXXX XXXX, so we contacted Caliber and ask if we could do the deed in lew which would help us move to a warmer climate ( Florida ), they said we could so we took them up on the offer, they said some of the XXXX was to pay off exsisting leins against the house which would leave us with about 10,000 dollars, I had a job opportunity so we moved in XX/XX/XXXX 1 month after the deed in lew process was ok 'd by Caliber, Caliber keep sending me letters an said they where still working  on the lien details and may not have enough time before the XX/XX/XXXX forclosure date, in XX/XX/XXXX we surrendered the house to Caliber in good faith, and they jerks us around for 6 months saying they where working on finalizing the deed in lew, we had filed for a mediation hearing in XX/XX/XXXX to delay the forclosure for 1 month they said they should be able to settle before that.that time has come and gone and we still have not received a settlement. to this day the house is still empty, the house has been vandalized or homeless people living in it, I'am receiving threatening letters from the liens that where supposed to be paid off by Caliber, I cant afford a lawyer so I was hoping you can investigate this matter, thank you.my name is XXXX XXXX XXXX XXXX XXXX , XXXX Florida, phone XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I have contacted PayPal three times since XX/XX/2022 regarding an unauthorized transaction that occurred on XX/XX/2022. The first call was initiated within 15 minutes of the unauthorized transaction for an amount of {$1000.00} I notified the representative that this was a fraudulent transaction and was not made by myself. The next day while following up I found that the previous agent had not even opened a dispute case. The next representative assured me he would take care of this for me, HE DID NOT, he instead marked this dispute as item not received. None of the reps were able to speak proper English or transfer me to a representative in the United States that could. This has caused my checking account to become overdrawn and encour NSF fees by my financial institution. I was told I would need to wait 10 days, this is unacceptable. I have been a customer of paypal for over 10 years and this level of customer service is unacceptable. My confirmed address has even been changed for this transaction which is a clear sign of fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-10
Company: Navient Solutions, LLC.
State: SC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Have been dealing with XXXX XXXX for 15 years!! We have had NUMEROUS problems with getting incorrect information, Improper distribution of loan payments, Unauthorized payments taken out of bank, Harassing and threatening phone calls ( sometimes as many as 7-8 times a day!! ), Changing terms/payment amounts without notice just to name a few. When we call or speak to someone from Navient, we will set up payment agreement, but then the next time we speak to someone, there is no record of any agreements. They have multiple call centers across the US and there is either no centralized records or improper documentation of the call. Most recently my wife set up payment arrangements on XX/XX/2019 however they claim this was only monthly payments and did not work to bring the account current, from what the claim were missed payments!! Often when we do make a payment ( There are 3 loans ), they would only distribute payment to 1 or 2 of the loans, causing the third to become late/delinquent. In XXXX I was deployed with military and due to issues with pay ( Not paid ) we were unable to make the payment. We called to make them aware and set up something  and are just now being told that no payment was made in XXXX!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: Pollack & Rosen, P.A.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have tried, on multiple occasions, to get this issue resolved. While on Vacation back in 2019, I was a victim of Identity theft. I did not allow any charges of the disputed amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
Company: AMERICAN EXPRESS COMPANY
State: VA
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 had an account with American Express that went to collections with XXXX XXXX, and around XXXX I entered into a negotiated payment plan with XXXX XXXX to pay the balance plus interest in full on the account, at a rate of {$300.00} every two weeks. This payment plan just completed in XXXX, but AMEX then promptly reported the account as charged off to XXXX ( they had previously reported it as charged off to XXXX and XXXX XXXX in XXXX, despite my consistent compliance with the payment plan ). I disputed the charge off with the credit reporting agencies, but they would only allow me to add a personal statement, they would not correct the information without AMEX consent. I called AMEX, and the representative on the phone stated that AMEX would not remove the charge off from my credit reports, and would not change the status of the account, even after all payments had been made. They told me I would have to wait for the seven year period for it to fall off my credit report. This is not right, as I have paid this account in full, plus interest, with no settlement or reduction in the amount repaid. AMEX had no justification to charge off my account ( declaring it " uncollectible '' ) then they were in the process of receiving payment in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13
Company: EQUIFAX, INC.
State: MD
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 had an account with XXXX XXXX The account closed and charged off and I have called them several times to pay the account or pay a settlement offer if there was one each time I called they told me they are not taking any payments on the account And there was nothing I could do I have asked equifax to remove this account from my credit report and they will not do so This is hurting my credit and I need this account to be closed and removed The balance on the account is XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-03
Company: CITIBANK, N.A.
State: NV
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Credit Report Inquiry XX/XX/2015Your company Citi Bank NA DBA BestBuy Credit card did not communicate with all three credit bureaus within 30 days of receiving any of the two letters sent to you that the item in question was in dispute as per the Fair Credit Reporting Act. As proven by my most recent credit report from all three credit bureaus. I have disputed a debt and you have failed to report it as disputed with the credit bureaus.Protection under the Fair Credit Reporting Act. (FCRA 623) If a consumer notifies a furnisher, at an address specified for the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. Section 623(a)(1)(B).  If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. This identified by an informational line about the dispute added in the comment section of the item on the credit report. Section 623(a)(3).

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 2017-10-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Capital One reports to the three credit bureaus that I owe money.  I did not open these cards nor do I owe any of these companies any money.

Company response to consumer: Closed with explanation