BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-15
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Three charges, {$110.00}, {$110.00}, and {$150.00}, each with a processing fee of {$8.00}, totalling {$390.00} were made from my account on XX/XX/2020 to 3 separate prisoners in XXXX County Sherriffs Inmate Canteen.

I first called the sherrif, who said they had nothing to do with it. I then contacted the withdrawing company, but never heard back. I was not able to do anything with the bank right away, as " pending '' charges can not be disputed or stopped. When I saw that the charges had finished processing, I started a dispute, which was submitted on XX/XX/XXXX. 
A credit was put into my account on XX/XX/XXXX, and I thought that was the end of it. On XX/XX/XXXX, the money was removed from my account, with the only notice being a letter that arrived the day after. 
I called BBVA Compass and was told that my dispute had been denied, and that's all they could tell me ; they gave me another number to call for more information. 
The woman who answered at that number said that it had been denied because " too much '' of my account information had been used, and it took several questions for her to tell me that the problem was the fraud including my 3 digit security code. She then asked if I was sure that I didn't know the prisoners, and whether a roommate might know the prisoners. I do not know them, and I do not leave my physical card anywhere, and I do not know anyone who knows 3 prisoners in XXXX County Jail, which is 130 miles from where I live. 
She said there was no other explanation for the use of my security code. I said every online cart asks for it ; it could have been saved in that way, along with all the other necessary information. She said that " almost never happens. '' I insisted again that no one I know had made the charges, and she said they would look into it again and one of two people would get back to me. I have given them plenty of time, but have not heard from them since.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27
Company: CREDIT ACCEPTANCE CORPORATION
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: Account information incorrect

Complaint:
Car was totaled loss XXXX XXXX sent pay off to Credit Acceotance XXXX week of XXXX. Credit Acceptance didn't process until XX/XX/XXXX and closed account on XX/XX/XXXX marking on my credit report that I was 60 days late when I had never missed a payment.

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 2021-02-25
Company: TD BANK US HOLDING COMPANY
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 checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and TD Bank USA/Targetcred, XXXX, and XXXX XXXX XXXX. The Account Opened is TD Bank USA/Targetcred Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$460.00}. The Account Opened is XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is XXXX XXXX Card Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: HCFS Healthcare Financial Services of TeamHealth
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Last year I sent a verification letter to collector asking for more information about 5 account in collection ( medical debt ). They did not send any proof. The collection agency only updated the accounts in collection with the following remark : ACCOUNT INFORMATION DISPUTED BY CONSUMER. 
Account Numbers : 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 explanation
Consumer complaint received 2019-02-24
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Midland funding continues to report debt on an account that is not mine and a result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-31
Company: CL Holdings LLC
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Greetings, I XXXX XXXX XXXX, come with peace regarding Account number : XXXX, XXXX # XXXX. This letter is to inform you that I invoke my right to discharge this obligation pursuant to Leviticus 25:10, Psalms 119:160, Isaiah 66:1, United States statutes at Large 96 stat. 1211, Public Law 97-280, 31 USC 463 and 18 USC 8. JEFFERSON CAPITAL SYSTEMS , LLC  the debtor acting as Debt Collector, is making claim against XXXX XXXX, ESTATE, the Creditor in a total misrepresented amount of {$830.00}. JEFFERSON CAPITAL SYSTEMS , LLC is in violation of Title 15 USC 1692e. ( 1 ), ( 2 ) ( a ) ( b ), and ( 10 ) NOTICE OF SURETY ACT & BOND No. XXXX XXXX XXXX XXXX XXXX. See Maryland Department of Assessments and Taxation UCC File # XXXX and Instrument No.XXXX Recorded in XXXX County real estate records viewable at XXXX. For the record, as pursuant to Public Law No 10 Ch.48, 48 Stat. 112, 113 ( HJR192 ), all public debt shall be discharged in full Acquittance Discharge Settlement and Closure to include but not limited to all so-called debts ( company name ) may potend or intend to demand to enforce, or to compel an individual to some specific performance for an alleged debt. For the record I XXXX XXXX XXXX is due monetary relief for each violation listed about of {$1000.00} per violation totaling an amount of {$4000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-15
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
This complaint is specific to Experian : I placed a freeze on my credit report several years ago due to a data breach. In the intervening years, I have lifted this freeze temporarily several times. On or about XX/XX/2020, I attempted to lift this freeze via both the online portal and phone. I made over 20 attempts over the following days to no avail. In all cases I was given an automated response that I needed to send in documents by mail to lift the freeze. On XX/XX/2020 I sent in the letter with all supporting documents in order to lift the freeze. However, as of XX/XX/XXXX the freeze is still in place and there seems to be no recourse. I can not speak to anyone at the company to get the status of my documents or verify if they have been received. The site states that consumers should allow 3 days for them to process the request but it has been over two weeks without a reply. 

This situation is compounded by the fact that there doesn't seem to be any consumer support. I have called three different phone numbers. All of them contain an automated phone tree that leads to a statement that I need to send in my documents to the address listed. ( Which I have done )

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 2021-02-25
Company: SYNCHRONY FINANCIAL
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 checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX  Card, XXXX XXXX XXXX, and SYNCB/JC Penney. The Account Opened is XXXX  Card Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6400.00}. The Account Opened is XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$8900.00}. The Account Opened is SYNCB/JC Penney Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

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 2017-08-07
Company: Gotmortgage.com
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We gave an approval letter to our borrower who made an offer to XXXX XXXX XXXX who is with XXXXor XXXX XXXX XXXX. The Listing Agent wanted us to talk to XXXX XXXX ( Preferred Lender of XXXX ). We gave all the documentation that they required to pre-qualify our client. XXXX XXXX, 2017 they questioned the buyer 's agent whether or not we can fulfill the pre-approval and can cover closing cost to the borrower. We later found out that the only way the listing agent will accept the buyer 's offer is if we use the listing agent 's preferred lender. We later found out XXXX is not a licensed loan officer and when asked by the agent he later said that he was the branch manager of XXXX. We also could not find an XXXX number for him. XXXX also has a their XXXX license revoked this year in XX/XX/XXXX. Subject property address is XXXX XXXX XXXX XXXX, XXXX, CA XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
THE DISPUTED ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY REPORT WITHOUT MY KNOWLEDGE. PLEASE REINVESTIGATE YOUR CREDIT REPORTING AND HAVE THOSE ACCOUNTS REMOVED.

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 2017-08-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Capital One has consistently increased my interest rate on two of my credit cards despite that they are paid as agreed. I primarily make purchases, and they are only increasing the interest rate on purchases. For example, one credit card has been steadily increased to 23.65 although the cash advance percentage rate is 19.99. Th other credit card has a 18.90 interest rate on purchases that has also been gradually increased but the cash advance interest rate is 15.84. I also do not make cash advances on this account. Finally, the card I rarely use except to keep active ( I pay it off when making purchases ) has not been raised. The rate is 10.84 and the cash advance rate is 15.84. My credit score is well over XXXX. All my credit is paid as agreed. This is what is weird. It is well known in the industry that cash advances are a much higher risk than purchases, but the only account that has a lower cash advance rate is the card I rarely use. It appears Capital One is deliberately hiking rates on cards with active purchases in order to drown the customer in interest. I 've never been so disgusted with a company in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
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:
I was in the process of buying an ATV for summer fun. As I was looking for the one, I liked, the saleswoman that was helping me with the process told me she needed to check my credit to make sure I qualified. When she got my report back, she told me I was not eligible. I asked her to show me my report and there are several derogatory items that do not belong to me. These items are not mine and need to be removed as soon as possible. I have been a victim of identity theft. XXXX XXXX XXXX {$92.00} XXXX XXXX XXXX {$120.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-05
Company: BlueChip Financial
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
Well the account not closed they just took XXXX out of my account on XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
as i have requested in the past, send a copy of all responses through USPS you have failed to send a response to COMPLAINT XXXX SUBMITTED ON XX/XX/2020 this XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21
Company: JPMORGAN CHASE & CO.
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:
On XX/XX/2020, US SM BUS ADMIN ODA add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, JPMCB CARD add a hard inquiry on my credit report per XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-05
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:
Experian is not responding to any of my requests to investigate, verify and remove accounts from my credit report that do not belong to me.

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 2020-10-23
Company: EQUIFAX, INC.
State: PA
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:
Hello, and I hope all is well. While reviewing the credit profile to XXXX/Equifax/XXXX, the number of uncertain tradelines continues to be placed when the debt was completely satisfied and not settled. XXXX XXXX XXXX has a third-party collection agency that failed to comply with the Federal Credit Reporting Act. XXXX XXXX XXXX have purchased a debt already satisfied with the primary creditor. With the continued failed practices, this is a violation of the law, which decreases my credit score and creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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: Investigation took more than 30 days

Complaint:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX  data breach and may have gotten into the hands of the wrong person.

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 2017-08-05
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
An agreement was found with XXXX for my student loans, an amount of {$41000.00}, in XX/XX/XXXX, where it was concluded to pay {$180.00} per month for ten years. The remained balance, from what they told me, would be considered as taxable income. The payments were scheduled to start on XX/XX/XXXX.
However, on XX/XX/XXXX, at XXXX XXXX, a call was received from XXXX XXXX, at ( XXXX ) XXXX, stating she is from XXXX XXXX which is a XXXX representative, and they work for XXXX XXXX. She switched the call to another person who sent me a link to verify whether all information is correct. Every time she asked me to click on a button, I saw my name. When I ask why my name is there? She replied this the new form used by XXXX now. I said stop, let me read, she said no, I will leave you a copy.
The bottom line, she never told me that my loans are going to be serviced by another institution called Navient.
Finally, I said let 's stop there, I have to talk to XXXX.
The business day, XX/XX/XXXX, XXXX was contacted and their response was : we are dealing with any company called XXXX, beware of scams.
The same day, XX/XX/XXXX, XXXX was called, no one answered. On the XX/XX/XXXX, I called again and left a message with a man named XXXX, asking him to tell XXXX to cancel everything that has been done the night of XX/XX/XXXX, .OnXX/XX/XXXX, XXXX  was contacted again, no response.. Immediately, I shoot an email to XXXX XXXX at : XXXX. A copy is attached.
Two weeks after, XXXX XXXX called me to confirm that everything has been cancelled. She even told me that the plan I have with XXXX to pay half, the balance will be a taxable income for you. And I replied : I do n't care, that 's what I want.
I sent a letter to XXXX about the fraudulent crime, explaining how XXXX XXXX has been used by Navient to collect student loans information in a scam way. A copy is attached.
About one month later, a letter was received from Navient, congratulating me, while stating : your loans have been processed. Immediately I sent a letter, urging them to reverse this loan. Three letters have been sent to them, they still disregard me. Copy of one of the letters is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26
Company: Northland Group Inc
State: IL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Am late on a student loan payment which I just have not done the bills yet and it is under 30 days late. XXXX gives my information to Northland Group and they call every hour at least. I already told them it will get paid and to leave me alone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-27
Company: LEXISNEXIS
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I recieved a response letter from LEXISNEXIS/ACCURINT that stated that they are not required to provide reports to me of the personal information they have obtained through third party sources using my information. I have asked in written notice by mail several time in accordance with the law ( 15 U.S.C 6801 ) for LEXISNEXIS/ACCURINT to : 1. CEASE & DESIST collecting, selling and sharing my personal information and providing my information to third party affilliates.-LEXISNEXIS/ACCURINT refused 2. I have chosen to OPT-OUT of their information selling and sharing platform- LEXISNEXIS/ACCURINT refused 3. Provide me with a complete printed copy of their collection on my personal information-LEXISNEXIS/ACCURINT refused. 
As a consumer my rights in regards to the sharing and selling of my information continue to be violated by this company. I DO NOT CONSENT to the collection, selling, and sharing of my personal information by LEXISNEXIS/ACCURINT or any of its third party affiliates.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27
Company: Navient Solutions, LLC.
State: NY
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:
I have contacted navient regarding overpayments on private loans, the most recent onXX/XX/2021. An overpayment of {$0.00} was paid on an account, and adjustment made by navient, which increased the balance of the loan, rather than refunding the amount to myself or applying the overpayment to another loan. At the rate of about XXXX XXXX borrowers, these adjustments, applied to every borrower, means navient is making illegal adjustments to loans enabling them to keep MILLIONS in overpayment " adjustments ''. 

A previous overpayment ofXX/XX/2021 was similarly treated. 

I've reached out to navient several times and have two cases open asking repeatedly for documents addressing the treatment of overpayments, as well as capitalized interest, which has not been applied with clarity over the lifetime of my student loans, and receive little feedback or help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: TRANSWORLD SYSTEMS INC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
When I checked my credit report last fall, I noticed a derogatory mark on my report : a {$980.00} collection from Transworld Systems Inc/XXXX opened XX/XX/2020. I have never had any interaction with either Transworld Systems or the original creditor. I also have never received any sort of information from them ( mail, email, etc. ) stating that I had an outstanding debt owed to them. It is completely unfair that they are allowed to place a derogatory mark on my credit report, negatively impacting my score, without at least attempting to contact me or giving me the chance to address the validity of this debt. It is wrong and needs to be removed from my credit report.

Company response to consumer: Closed with explanation