BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-15
Company: CITIBANK, N.A.
State: IN
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I hope that you can help me. 
I took out a 2nd mortgage in XXXX. Payments of {$250.00} per month. It has hardly budged from the original balance in 10 1/2 years!!! Loan was {$25000.00}. Today, it is {$25000.00}!!!! A friend of mine did the math and said that I have already paid over {$30000.00} on this!!! Several people have pointed out that this is predatory lending. The interest rate is 5.75 %. My friend said in several more years I will have paid them {$90000.00}!!!! Please help me. I have always had a good credit rating, and dont know what is going on here. I called them on it about XX/XX/XXXX and all the customer service rep, wanted to do was sell me another loan!! I asked to speak to a manager regarding predatory lending, and she kept saying refinance, refinance. I then spoke with someone else there, told him my problem as I did with her, and all they tried to do is get me to refi/buy another loan!!! I just lost my job, and happened to see that this 2nd mortgage never gets lower when I received this years tax statement!!! Please investigate this, I hope that you can help me. I gave already paid over {$30000.00} on it!!! 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 2018-03-15
Company: CREDIT ACCEPTANCE CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is XXXX XXXX, I am dealing with a situation with XXXX where there is a Repossession showing on my credit file that is not even under my social security number, though uses a like name and same DOB. I have had the credit bureau dispute the item with the creditor and have contacted the creditor directly and the matter has not been resolved to date. I made direct contact with the fraud department at XXXX in hopes to get an immediate action as I have done before but not with this particular account and I don't understand why it has not been removed yet. I do appreciate the help they have given me thus far as their fraud department has been very expeditious in other matters in the past few days so I have no real complaint about XXXX except why would they allow an account to be reported to my file in the first place when it so obviously had a different social security number attached to it? The company that reported the incorrect information is Credit Acceptance Corp. XXXX. They reported an auto repossession to my credit file with a different social security number and upon being contacted were so rude and disrespectful because I had no account information to supply for obvious reasons. I called them back again and was transferred to a young lady who was very nice and gave me the account number, the name used, verified the last 4 numbers of the social used and that the DOB was the same as mine. I supplied them with my name, address and contact number and the police report information and was advised I would be contacted within 72 hrs by their company. I called XXXX again to give this information, including the name of the lady I spoke with, but the account remains on my credit. I don't for my life understand why it was not removed as soon as they realized the social security number was not mine, it wasn't even close. Anyway, the battle continues as there are multiple accounts that do not belong to me that do have my social security number attached unfortunately for me. I hope my story helps someone else out there going through the same or similar situation. Stay on top of your credit and don't take No for an answer. It's your credit, your right and as long as we live in a society that rates you by a number on a report, you've got to make sure it's correct and the information is accurate.

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 2019-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ),  you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below XXXX ( Original Creditor : 11 XXXX XXXX XXXX ) XXXX, XXXX XXXX   XXXX ( Original Creditor : 11 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 2018-06-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I am no longer able to access my account with a third party. The bank basically told me that there wasnt anything they could do even though they are the ones blocking it!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: Experian Information Solutions Inc.
State: NM
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:
By the provisions of the Fair Credit Reporting Act, I am sending this complaint to request that the following accounts XXXX XXXX XXXX Balance : {$1800.00} ; XXXXXXXX XXXX XXXX Balance : {$430.00} ; XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. pursuant to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ).

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 2017-11-29
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Last year, my mortgage was being handled by DiTech Financial. The mortgage is being handled by a new servicer now ( XXXX XXXX ). Nevertheless, DiTech Financial is still reporting a note on my old account from their office that my mortgage was in foreclosure. My mortgage was never in foreclosure, and I want DiTech to delete the foreclosure note from their account listing, or completely remove the account from my file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17
Company: Bread Financial Holdings, Inc.
State: AL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
There is a credit card from XXXX XXXX that has been opened fraudulently in my name. I have dealt with alot of rude representatives from this place and I have not recieved any help concerning this fraud. I have already sent an identity theft report and nothing has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07
Company: JPMORGAN CHASE & CO.
State: MA
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:
Yesterday, Thursday XX/XX/XXXX I received many more things : first a total of 8 mailings from Chase 4 modification offers and 4 Right to Cure letters on a HELOC which should have been terminated when my home was ILLEGALLY foreclosed on on XX/XX/XXXX. Also, I received the attached credit report from XXXX  dated XX/XX/XXXX ( see attached pg 9 ) showing ( all of a Sudden ) the account that has for 30 yrs been listed with XXXX  as being a Chase account, with also the name XXXX XXXX   attached to it. Now, it is on this report showing no mention of Chase ( for first time in 30 yrs on these reports ) in relation to this illegal foreclosure see page 9 of this credit report.  Here only XXXX XXXX is listed as owner with also a new name attached to this " account '' at the top of that page 9 now showing JPMCB Home Lending!! for the first time claiming to be attached to it. Please, see also attached a letter from a XXXX XXXX a " third party '' investor stating to have bought my home on XX/XX/XXXX. This Chase or whomever they call themselves now CAN NOT do this Legally!!! THIS IS FALSE REPORTING!! and slander on my credit report!! This is beyond ridiculous, also on the attached " Assignment '' shows that Chase from the FDIC is claiming ownership from in addition the so called Assignment that was created/recorded 25 yrs after I got my home in XXXX of XXXX. All of you need to look at and prosecute this nut Chase and or whomever is trying to illegally take my home from me.!!! AGAIN FRAUD!! FALSE REPORTING! There are many illegal documents recorded in the Reg of Deeds in XXXX County, MA records by Chase. On Thursday XX/XX/XXXX I called the resource center ( XXXX ) at XXXX XXXX and spoke to operator id # XXXX Jeneal at XXXX and she told me that XXXX XXXX does not have any files on my name, account number, or address anywhere in their records!! There are many false documents being recorded in my credit reports, as well as the Reg of Deeds AND The Land Courts by this so called Bank!! And Dual tracking! again! The attached from the XXXX XXXX look up also shows XXXX XXXX   has no association with this illegal foreclosure " account '' on my home. Chase attorney also claims to be representing XXXX XXXX ( crazy ) please see first page of a large file not up loadable to big, the whole file see page one attached. see first sentence of this attached letter. SO MUCH FRAUD BY CHASE!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17
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: Old information reappears or never goes away

Complaint:
On today, XX/XX/2018, I called Equifax at XXXX- XXXX- XXXX to verify collection accounts in order with FCRA, section 609 ( a ) ( 1 ) ( A ). They absolutely refused to comply and told me those erroneous accounts will stay on my credit report for 7 years. As, well as, they also contain various multiple accounts with different account numbers for no reason at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Contacted Portfolio Recovery when my wages started being garnished and asked them to send me proof of said account. Now all 3 credit reporting agencies have no record of this debt from the " original creditor '' and they have failed to provide me any proof that this is MY debt. They claim this account was opened in XX/XX/XXXX and closed in XX/XX/XXXX and sold to them in XX/XX/XXXX. I have no court documents of a collection, summons or judgement being issued to them for this debt. No paperwork for Wage Garnishment Court Order, Copy of Summons, ca n't find anything. No one can seem to find the paperwork and this has caused me undue stress. I have suffered undue hardship due to the wages being taken and I am past due with bills and the holidays are coming and no work means no pay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
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:
On or about XX/XX/2019, an Arbitration award was awarded to XXXX XXXX in the amount of XXXX dollars for breach of contract between XXXX XXXX VS. CONSUMER FINANCIAL PROTECTION BUREAU, BANK OF AMERICA N.A XXXX XXXX and XXXX AND XXXX, attorneys representing BANK OF AMERICA N.A. XXXX XXXX. The property of XXXX XXXX is still being held unlawfully. My credit is still being reported as though nothing happened. I demand my credit be restored! I will now charge XXXX dollars a day until my credit is restored. This will be binding on all parties individually. Copies and proof of mailings will be provided upon request.

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 2018-12-07
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is in reference to the dispute I have with way point at XXXX  and equifax. This is a copy of the theft report for you to have on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15
Company: Action Financial Services, LLC
State: CA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I HAVE RECEIVED A GARNISHMENT AGAINST MY WAGES THAT DOES NOT BELONG TO ME. I HAVE ATTEMPTED TO OBTAIN A RELEASE FROM THE GARNISHMENT, BUT, THE COMPANY NAMED ON THE GARNISHMENT ( ACTION FINANCIAL SERVICES LLC ), WHEN CALLED, REFERRED ME TO ANOTHER COMPANY, XXXX XXXX XXXX AT XXXX XXXX XXXX  XXXX, XXXX, TX XXXX. I HAVE BEEN UNABLE TO RESOLVE THE MATTER ON MY OWN, THEREFORE, PERHAPS I MAY OBTAIN ASSISTANCE FROM YOUR AGENCY. A COPY OF THE GARNISHMENT IS ATTACHED. 

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 2023-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
XXXX XXXX XXXX checking my credit report I noticed that their are multiple accounts I dont recognize And multiple accounts listed for {$63.00} that are not mine

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 2019-05-27
Company: Receivable Management Group, Inc. (GA)
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a car accident where a women run me over, i used to have an attorney And he Did a deal with the hospital that I had to pay XXXX  {$4000.00} for the entire bill because the total amount was around XXXX {$470.00}. I have the letter from XXXX and the insurance that they did paid, the accident was on XX/XX/XXXX, and I was in ther from XXXX XXXX to 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 2018-08-17
Company: CITIBANK, N.A.
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have already reported this card as fraudulent. 
They have already received an identity theft report. I have not received any help with this.

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 2018-08-17
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
To whom it may concern, I opened a secured credit card with Wells Fargo a few years ago in hope to build my credit. I called into the credit card department to get my credit card limit increased from XXXX to XXXX and the representative closed my entire credit card account in error. 


I tried using my card and it was declined only to learn that my account was closed in error and confirmed by the customer care department. 
I had to wait several weeks for them to investigate and pull the recorded call. I received return payment fees from companies and I received no letter for my record keeping explaining what happened. I was assigned to a case manager by the name of XXXX who did the investigation, listened to the call, and confirmed that it was a bank error and told me I would have to do a new application if I wanted to keep my credit card account with Wellsfargo.  NOT FAIR. I explained to her that this is not a good look to have a close account reported nor is it fair or a good for me to lose points to have the account reopened for the same account that was closed within one month. I then was forced to call back because i never receive any information in the mail regarding this information and or a letter in writing explaining the error. I spoke with a rep by the name of XXXX who told me that they do not send out that information and that it is held confidential and only discussed via phone. He later said that he would submit a request and if it got approved then I would receive the letter in the mail explaining the error, and if it didn't get approved then I wouldn't be receiving a letter explaining what happened on my account. It is not fair for them to handle this matter so carelessly.

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 monetary relief
Consumer complaint received 2019-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed the student loan account with the credit bureau for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal..Please delete the following student loans US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED 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 2021-04-23
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The original creditor close the account/charge to account off. The account was close back in XX/XX/19 XXXX. I wanted to know how Midland credit management was able to acquire my account since it was closed. I know this that if an account goes into default, the original creditor has to right to write that particular loan off in full as a credit loss on their taxes. I wanted to know is the original creditor forfeiture their right to write this loan off on their taxes. I feel that this is wrong, Midland credit management has no skin in the game but seems to me is looking for a way to receive free money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-21
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
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 a loan with XXXX XXXX XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX XXXX XXXX with no successful resolution. XXXXonly reporting me late. There was definitely an error on their part. I was never 30 days late XXXX - XXXX, XX/XX/XXXX / XXXX, XXXX - XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-27
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed the student loan account with the credit bureau for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal..Please delete the following student loans XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX, XXXX 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