BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-19
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I went to XXXX XXXX on XX/XX/2019 for auto purchase and explored options for Auto Loan. They asked me to give my social security number for best rate, which I gave ( and any normal person will also give ). 

Between XX/XX/XXXX ( Friday ) and XX/XX/XXXX ( Monday ), I recieved 11 hard enquiries on my credit report by banks. Moreover there multiple banks ( Citizens Bank, XXXX XXXX XXXX ) who made multiple hard enquiries for same reason within span of 1 working day. 

My whole credit history was screwed up by them. 

I spoke to Citizens Bank, they refused to me to remove any enquiry ( though both were made within 1 business day ) and asked me to speak to XXXX. 

I further called up XXXX and they informed that XXXX  XXXX can make even hundreds of enquiry on any bank multiple times and there is no obligation to stop them. I have recordings of my conversation and can provide them to authorities if required. 

I feel I have been badly deceived by Citizens Bank, XXXX XXXX XXXX ( for multiple enquiries for same reason ), XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX and XXXX ( for making hard enquiries with explicit approval from me ) and XXXX for not hiding wrong doing by them and not removing incorrect, duplicate and unknown hard enquiries ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
These accounts still reflects negatively in my credit report, even after many attempts to reach out to the credit bureau asking for validation nd the method of how they validated multiple inaccurate items on my credit report. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), credit bureaus are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that they post on a credit report. This credit bureau is disregarding the law and taking advantage of me and this has caused a big a stress in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been working with Ocwen for months trying to do a short sale on my home. I have been seeking a mortgage resolution for years with Ocwen. I have a letter form Ocwen dated XXXX/XXXX/XXXX suggesting that I seek a sale price of {$50000.00}. On XXXX/XXXX/XXXX, I received an offer from a buyer to purchase the house for {$60000.00} which is {$600.00} more than the suggested price. On XXXX/XXXX/XXXX, I received an email form Ocwen 's lawyer that they were foreclosing on my home and I had n't even received a reason why the short sale was denied. This seems to be an abuse of authority and an unlawful practice. The short sale should have been accepted leading to a positive resolution for both parties. I feel like I was given the runaround just so Ocwen could foreclose while I was distracted with the mortgage resolution process. I feel like I was taken advantage of. The lawyer, XXXX XXXX, asked me to sign a consent judgement so they can just foreclose on my home without proving me with an explanation as to why I could not do a deed-in-lieu or a short sale agreement.

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 2020-06-23
Company: FIDELITY CAPITAL HOLDINGS, INC
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:
My consumer rights have been violated by Fidelity Creditor Services. On XXXX XXXX, XXXX XXXX, XX/XX/2020 and XX/XX/2020, I submitted disputes to XXXX  disputing the account with Fidelity and the continue to report the fradulent account on my credit report. 
On XXXX XXXX, I submitted a dispute letter to XXXX  regarding the account with Fidelity, I never recieved a response. 
On XXXX XXXX, I mailed a 30 day to comply to XXXX, I did not receive a response from them. After mailing the 30 day to comply I filed a complaint with CFPB against Fidelity, as of today they never responded to the complaint. 
On XXXX XXXX, I mailed another round of dispute letters to XXXX  again requesting them to investigate the account with Fidelity. I received a redponse thaat the account was validated. 
On XXXX XXXX, i mailed a Validation of Debt letter to Fidelity, asking them to validate the debt they're stating is mine. I never received a response. 
On XXXX XXXX, I recieved dispute results stating that again the account from Fidelity was valid and they were not going to remove it from my credit report. I then clled XXXX  on XXXX XXXX and sopke with a rep named XXXX. I asked the representative how they were validating the information on my account, and he stated that XXXX  does not have to disclose their method of verification to consumers, which I believe is incorrect. 
On XXXX XXXX I filed a report for identity theft with FTC, and mailed the copies to the 3 credit bureaus. I received a dispute result from XXXX  on XXXX XXXX indicating that Fidelity is requesting for me to contact them directly, and the fradulent account remained on my report. 
I called XXXX  and sopke with the supervisor XXXX in the fraud department, and she verified the FTC report that was on file, my identity and I provided her with the police report number that I had. XXXX began another investigation on XXXX XXXX. 
As of today my re-investigation is under investigation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
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: Was not notified of investigation status or results

Complaint:
These accounts still reflects negatively in my credit report, even after many attempts to reach out to the credit bureau asking for validation nd the method of how they validated multiple inaccurate items on my credit report. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), credit bureaus are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that they post on a credit report. This credit bureau is disregarding the law and taking advantage of me and this has caused a big a stress in my life.

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 2021-10-13
Company: Resurgent Capital Services L.P.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: JPMORGAN CHASE & CO.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a Chase Sapphire Reserve credit card through Chase bank and they charged me an incorrect Cash Advance fee as well as transaction fee for a purchase through XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-12
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received calls from these folks for 2 years I have blocked and ignored reported to the company they have the wrong number however they continue to call me. There has to be a stopping point even if I did had a debt what company calls a person everyday 3 to 4 times a day for 2 years? When this company calls they are leaving a message for a XXXX. That's not me I have explained that.

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 2019-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 originally had a medical/health debt to XXXX XXXX XXXX, that debt was sent to XXXX XXXX XXXX who I paid, who then took my debt to XXXX XXXX XXXX, so not only did I pay XXXX XXXX XXXX, but the amount I paid XXXXXXXX XXXX was inaccurate. XXXX shows I do not owe them but I owe XXXX XXXX, but won't fix my credit report. I sent a dispute to XXXX and showed them more than enough proof. They ignored my attachments and said I still owe 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 2021-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I have 6 credit inquiries from unauthorized accounts I know dealt with or applied for, I recently checked my score and show these things posting up.

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 2021-10-13
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Began full-time employment with an PSLF-eligible employer in XX/XX/XXXX. Applied for and was accepted for PSLF in XX/XX/XXXX. My two direct federal loans were transferred from XXXX to FedLoan servicing in XX/XX/XXXX. FedLoan is stating that my payments made from XXXX were all outside the payment window ( they were not ) and that all my payments from XXXX were not received in the payment window ( they were ). This is a total of 33 eligible, on time payments that are are not being considered qualifying for PSLF. I have documentation of these payments from Navient and submitted ECF forms for all these dates. 

I called FedLoan Servicing and requested a manual recount on XX/XX/XXXX, and no changes to my qualifying payments has been made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-13
Company: CL Holdings LLC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-18
Company: Bull City Financial Solutions, Inc
State: VA
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 originally had a medical/health debt to XXXX XXXX XXXX, that debt was sent to Bull City Financial who I paid, who then took my debt to XXXX XXXX XXXX, so not only did I pay Bull City Financial, but the amount I paid XXXX XXXX was inaccurate. Bullcity shows I do not owe them but I owe XXXX XXXX, but won't fix my credit report. I sent a dispute to XXXX and showed them more than enough proof. They ignored my attachments and said I still owe Bull City.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant

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 2018-10-29
Company: AMERICAN EXPRESS COMPANY
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I received a voicemail that I needed to call about a problem with my American Express card. I called back, gave them my name, account number, social security number, etc and they told me that they were reducing my credit from $ XXXX to $ XXXX because XXXX had sent them a letter saying that my credit score was XXXX and I had serious delinquent accounts. I immediately thought this was a scam because my bank had just sent me my credit score three days before and it was XXXX. I rushed home to get my card so I could call the number on the back and tell American Express that I had just given my card number and all identifying info to someone and that I needed to close the account to prevent those people from using my credit. American Express said that it was them who I had been speaking to earlier and the information about my credit that I received was correct. So, I called XXXX. They pulled up my credit and said my score was XXXX and I didn't have any delinquent accounts or carry any balances on anything but my mortgage. They said that they couldn't call American Express but I could have American Express call them. Well, American Express can't call them nor can they pull my credit report even after I give them permission on a recorded line. So, I faxed in my credit report to American Express at a cost of {$32.00}, but American Express says they never received it although I have a successful transmission report. I can't submit a dispute with American Express because I don't have a charge that I am disputing. I have spent HOURS trying to talk to someone who would listen to what happen to do what was necessary to fix their error, but there doesn't seem to be anyone at American Express that cares. To be fair, maybe the error was with XXXX  but they say they didn't send a letter, so I don't know what to do. I feel pretty certain at this point that no one is trying to steal my identity because I pulled my credit report from all three credit reporting agencies and my scores at XXXX, XXXX and XXXX. I just want the error fixed and off my American Express record. Is there any way that you could help?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-24
Company: Certegy Holdings, LLC
State: GA
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 wrote a check at a XXXX XXXX and my check was declined. 
Date XX/XX/20 Control number XXXX I have written checks their before in the past. I don't write many checks. 
The amount was XXXX, they run the check and it went in the machine and stated it was declined, twice. I called with the account on the receipt to find out why it was declined. 
I entered all the information that was requested. I could not get a answer it would have to mailed to home address. 
I read the info and it stated under reason Not Authorized - reason below 04 A paragraph that does not explain the reason for declining. 
Also the following paragraph Shows no information on file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I'm turning out to be increasingly more disappointed with your organization. After discovering these blunders being accounted for on my credit report I have made the important strides to educate all of you regarding the mistakes. In any case all of you are not doing your part to determine my issues. My family and I are turning out to be extremely XXXX. My lawyer advised me to send this letter to caution you these blunders prior to making a legitimate move. I'm an individual that goes to work ordinarily to ensure my family have equivalent freedoms very much like every other person. I'm a buyer that won't be a casualty of provocation or misuse. As indicated by 15 USC 1692d 1. ( 1 ) the utilization or danger of viciousness or other criminal means to hurt the actual individual, Notoriety, or property of any individual ; is an infringement of the Reasonable Obligation Assortment Practice Act. Announcing bogus data on somebody's credit report is hindering to a buyer 's standing. Sending letters an endeavor to gather obligation from a customer who obligations don't have a place with is additionally a type of provocation which is one more infringement of 15 USC 162d 1. ( 1 ) Continually sending letters that has images of an obligation authority outwardly of letter is an infringement of the utilization or XXXX XXXX XXXX or other criminal means to hurt the actual individual, notoriety, or property of any individual ; is an infringement of the Reasonable Obligation Assortment Practice Act. Additionally as indicated by 15 USC 1681 ( A ) Exactness and reasonableness of credit detailing The Congress makes the accompanying discoveries : ( 2 ) An intricate system has been produced for examining and assessing the credit value, credit standing, credit limit, character, and GENERAL Standing OF Buyers. You can survey my acknowledge report as proof to see that my standing indeed has been destroyed. This segment unmistakably says that a buyer 's credit report was set up to recognize an Overall Standing OF Customers. Likewise, I expressed before I was a survivor of the XXXX Information Break.

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 2021-10-13
Company: I.C. System, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
They are claiming to be collecting for XXXX XXXX. But I can not get XXXX  XXXX  to tell me how much they owe as a matter of fact the amount had just changed at the beginning of XXXX. I called for 3 days straight I called eight different representatives two of them being management and the two management ladies actually argued with each other they said one was wrong the other said the other is wrong you know they went back and forth like that then the other six agents told me different amounts that I owe and every time I contact XXXX they give me a new amount I have no idea how much I owe them and they have been allowed to drag my credit down twice I see systems has because the first time they did it they put just some off the wall amount that XXXX told them The second time XXXX updated here at the beginning of XXXX and IC systems put the new updated amount and they were able to drag my credit down again through XXXX so that's twice they've got to do that I think they need to be 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 explanation