BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-30
Company: Experian Information Solutions Inc.
State: TN
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:
Someone is using my personal information to abuse my credit. My drivers license have been stolen, my social security card have been stolen. The spelling of my name is being used as XXXX XXXX XXXX, XXXX XXXX XXXX. Someone have a address in XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MI XXXX. I recently received a copy of my credit report from XXXX. The date of receipt was XX/XX/XXXX. The FBI told me to pull all of my tax transcripts, credit report. With the help of Consumer Financial Services Bearua I finally got my credit report to learn of this. I have no idea who live in Michigan. I have never lived there, nor have I ever visited there. An extended fraud alert had been placed on my credit report, without my permission. The expiration date on the report was XX/XX/XXXX. It was placed on the report XX/XX/XXXX. Checks was being ordered and written using my personal information. The banks I had accounts with are XXXX XXXX XXXX -XXXX, some of the check numbers are XXXX {$700.00} - $ XXXX $ XXXX $ XXXX {$150.00}. XXXX $ XXXX $ XXXX- XXXX XXXX- $ XXXX- $ XXXX {$10.00}. A check was created in my name on a department of labor check. The routing number is XXXX, check number XXXX {$260.00}. There are a series of inquiries on my credit report from XXXX. There was a periodic review of my credit history by one of my creditors per XXXX. Several rental car companies regarding debit card acceptance. My medical records are being used. Inquired are being made. My social security number have been blocked by the social security department to prevent continued abuse on line. This was done for my protection from whom ever this person/persons are. Checks have been written to pay XXXX XXXX XXXX /account number XXXX. Checks was being ordered and written for XXXX XXXX account number XXXX & XXXX XXXX account number XXXX. This loan was refinanced while I was under wage earner in XX/XX/XXXX. The wage earner case number I was discharged from in XX/XX/XXXX is XXXX. Originally filed XX/XX/XXXX-discharged XX/XX/XXXX. I paid the courts {$18000.00} in XX/XX/XXXX from a settlement I received from a XXXX XXXX law sue I filed in XX/XX/XXXX. My former employer XXXX XXXX XXXX XXXX amended and restated all of my tax returns and made themselves my conservator. The XXXX XXXX began to prepare my death.

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 2018-01-09
Company: Revenue Assurance Professionals LLC
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/XXXX my letter was sent certified to XXXX XXXX to verify and validate three debts reporting on my credit report. I sent the letter to the address that is shown on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tennessee. The letter was returned back to me which leads me to believe the address reporting for the company is incorrect. It is not acceptable to have a company reporting multiple insulting debts and I do not have the ability to make sure the debt is validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AZ
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 have disputed this account multiple times with XXXX and XXXX XXXX. I asked for verification and validity of this account. All XXXX XXXX sends that back is a screen shoot of a bill. 

This doesnt prove this account is mines at all. They are breaking the law by continue to report multiple accounts on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21
Company: ENCORE CAPITAL GROUP INC.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to dispute the following information in my file. I have written down I dispute on the attached copy of the report I received. I am requesting that the items be removed from my credit report I have contacted XXXX XXXX XXXX numerous of times telling them that I have no knowledge of these accounts. 


XXXX XXXX Bank, XXXX XXXX Account Number XXXX XXXX Account Number XXXX Current Owner XXXX XXXX, XXXX XXXX Bank XXXX Account Number XXXX XXXX Account Number XXXX Current Owner XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
XXXX  XXXX XXXX XXXX, capital one auto refuses to accept payments from my business account more than a year after I closed the personal account I had used for making payments. I was told at least twice that three regular payments in addition to paying the payment due to catch up, would allow me to resume paying automatically. Each time I fulfilled my obligations, their story changed. Either I hadn't called before another payment was due ( I had ) or now it was 6 payments before I could regain online access. 

Meanwhile, each time I missed a payment, I receive emails personally inviting me to use their website to make a payment. Of course this is just a ruse, meant to frustrate their customers. 

Capital one seems to intentionally discourage people from making payments on time while insisting that their customers share personal information including credit card numbers to operators in the XXXX. 

The balance is almost paid off. There's no need to keep me from making payments on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
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: Account information incorrect

Complaint:
I have asked that this information be removed from my credit report and so has the Collections Company. The information is still listed on my credit report and I inquired again and the collections company sent another letter saying they're deleting the information from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
FRAUDULENTLY OPENED ACCOUNT REPORTING ON MY CREDIT FILE. 
I DID NOT OPEN SAID ACCOUNTS

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 2021-07-14
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:
Due to pursuant US Code 1681c 2 ( a ) consumer reporting agency shall block the reporting of any information in the file of consumer that indentify theft, no later than 4 business days!

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 2021-07-14
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I lost my wallet. I recently checked my credit report and saw many request to look at my credit which I have not completed any application for. All this information listed on this report 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 2017-11-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I received a letter on XX/XX/XXXX from capital one congratulating me on opening my new card which I idi not do. I never filled out an application online or in writing. I called them on XX/XX/XXXX and asked them to close this account immediately and asked how this was opened. They suggested that someone in my household opened the account which was very insulting as it is my wife and I alone. I have contacted them on the phone on XX/XX/XXXX and they refuse to discuss the account even though I have given them the credit card number unless I give them my SS # which of coarse I will not. I have never applied for a Capital one card and my SS # is my personal information. They refuse to answer the question of if the account is closed without it and I refuse to give it to them. Is this another XXXX XXXX Fraud problem with Capital One Please advise

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
XXXX company is currently showing 30 days late ( XXXX XXXX XXXX. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately. 

( XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: JPMORGAN CHASE & CO.
State: WA
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:
In XXXX, of 2021 I saw that my Chase account had charges from a bank in XXXX, and also charges on XXXX. 

I don't use XXXX, and it totaled out to XXXX $ in total. 

I called Chase and filed claims for unauthorized and fraudulent charges. 
I called them EVERY month and they never had anything to add, or say about my account. 

Then, all of a sudden my account was closed and charged off and they're saying I owe them XXXX dollars for transactions I NEVER MADE. 


I'm suing Chase now because this XXXX is XXXX ridiculous. This isn't how you do business.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This company has violated my rights under the FCRA and the FDCPA. This company has violated my right of privacy under 15 USC 1681 a ( 4 ). This company has continued to report adverse information without my consent and this has violated my right of privacy for them to continue to report information that is private to me and this has caused me great XXXX. This company has also violated statue 15 USC 1692g and has failed to validate this debt in a timely manner. I also included in that letter that this company must cease all communication through any medium directly or indirectly with any other company until this debt was validated and they have failed to do that. I am tired of being XXXX  as a consumer and i know my rights. I will not stand for this any longer. I have attached an invoice for every violation that has occurred and i expect to receive compensation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
The lender in question is : Mr. Cooper and the loan number is : XXXX XXXX County and the State of Texas have deemed me to be property tax exempt. The tax exemption was effective XXXX. I received the tax exempt letter in XX/XX/XXXX. I first notified Mr. Cooper of this situation and asked for them to stop withholding property tax in my escrow account on XXXX, after a phone call with the company informing me I had to submit a copy of the document ( see attached ). I make a 2nd attempt via phone call and letter on XXXX after I received no response from the first request. I called Mr. Cooper again to follow up in XXXX, and then again on XX/XX/XXXX. On this call I had a very helpful lady who said that she could see the documentation had been received and was in my file, and that she was sending a request to some department to stop withholding property tax. She said to call back in 5 business days. I called back on the afternoon of XX/XX/XXXX. Again the lady was very pleasant - I have no issues with the phone reps I dealt with. She also said that she could see the documentation in my file, but no review had been done. Then she said that due the loan balance to value ( initial loan amount ) was over 80 % their policy would not allow them to stop withholding property tax for escrow. She could not grasp the fact that I am property tax exempt - she only spouted the company line of " it's our policy ''. When is it permissible for company policy to override state law? As I am tax exempt, there is no legal basis for Mr. Cooper to continue to withhold property taxes from my monthly payment. 

Please see all attached documentation - to include copies of letters sent to Mr. Cooper, copies of the statement from the XXXX County Tax official granting the XXXX veteran 's homestead exemption making me property tax exempt, the XXXX statement from Mr. Cooper showing the total amount of property tax paid, copies of the monthly statements available for download in the their system showing that the continue to withhold property tax funds in escrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: WELLS FARGO & COMPANY
State: CA
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:
On XX/XX/2021 I Hack on my phone stolen and on my phone what is my virtual card they the person that went into my phone took everything from my bank account my checking account I noticed that my sons was getting low so I called Wells Fargo bank and talk them them about the fraud they then put a claimOn the fraud and they said I had 10 business days to see if I get my money back well 10 business days went past and Ally got half of my not even half of my money back and they said the rest of the debit card charges well I didnt have my card with me and my phone had my debit card numbers and all that on there so they denied me I called the bank and they told me that that it was final trip there was nothing I could do about it so Im reaching out to the consumer finance Because I do not know what to do please help

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 2017-11-19
Company: BTH Management
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Collection company would call several times a day even when I asked them to stop calling. XXXX XXXX the interest appeared to continue to go up. When I thought I was close to having the account paid off, the amount would go up again. It was a ever ending loan.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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 have brought XXXX in the mix so both can mediate with each other. I have attached documents from the day this happened. Currently, XXXX XXXX XXXX has blacklisted me due to an issue with Account Fraud. Because of this, my banking access has become restricted, particularly with XXXX XXXX XXXX XXXX. 

As of XX/XX/2022, the Bank of America account ending in XXXX is the only account that is causing the restriction in the system. It's fully paid for, my other current accounts are in good standing will positive balances. If any low balance were to happen, it's been taken care of immediately in a timely fashion.

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 2022-01-14
Company: Santander Consumer USA Holdings Inc.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have a loan with SANTANDER CONSUMER USA. I have always made my payments on time yet there was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. I tried contacting XXXX and XXXX Credit Bureaus and the company as well requesting a complete payment history with this account for me to review the exact date on which the repossession were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned XXXX. There was definitely an error on their part. There was definitely an error on their part. The company is condoning illegal behavior and willfully in violation of FCRA. PLEASE REMOVE FROM MY REPORT IMMEDIATELY. 

( SANTANDER CONSUMER USA XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have had 2 previous occasions where my credit score has dropped within the last 2 month on only my Trans Union report. The first time it dropped exactly 20 points and no reason or justification was given, 2 weeks later the points were partially returned to my score. The second time the score dropped exactly 30 points and again when I inquired to Trans Union and XXXX XXXX I was told there are several factors involved. However no one could define those exact factors and why the sudden drop. While these events occurred all factors remained in moving toward a positive direction and my other reporting agencies increased scores using the same factors. In both events the points were returned a week or two later to my score. 

Then on XXXX my score dropped 43 points with just Trans union, they are still unable to provide any detail or reasoning for this. Just that there are several factors involved ... I ask these factors and they can not provide one. There are no items that have adversely changed on my credit reporting. I have no issues with other reporting companies and my credit scores continue to grow. But I feel there is unethical activity on my personal account with Transunion and not one of my consumers.

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 2017-07-30
Company: Experian Information Solutions Inc.
State: NY
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have paid memberships to XXXX XXXX experian.com and XXXX. When I look at the factors effecting my score there are two items on the negative side that are wrong but they refuse to fix them because they say they do n't know how to fix them. The first item is on both my experian & XXXX  reports. In the negative factors it always says " recent late payment '' " time since late payment 1 month ago. Is says this constantly all the time for the last 3 year. Experian & XXXX are my lowest scores. The second item is on experian under negative factors it says " I have made heavy use of my revolving credit '' my debt to credit ratio is 19 %. This exact same item is listed as a positive on XXXX and equifax. So how can that be. A third problem with experian is every time I pay down or off a balance my score will go up on XXXX & equifax but my score goes down XXXX to XXXX points on experian for the exact same positive item. Every time I speak with experian or XXXX XXXX they put the blame on one another and nothing ever gets resolved

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Most of the student loan on the account are closed. Most of the account are more the. XXXX years old. The account was closed after more than 11 years being forced into forbearance due to poverty level and Navient sky rocketing interest rate. The student loan that is XXXX XXXX XXXX that trade school filed bankruptcy and have not been around for more than 10 years. 

I was told that after 10 years of forbearance and shut down of school or college, the student loan account are closed and dropped from your credit report. On XXXX it shows the account is closed why not XXXX.

Company response to consumer: Closed with explanation