BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
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 made a payment to Kohls, {$13.00}, on XX/XX/ on the phone with Kohls customer service. On the XX/XX/ statement, Kohls charged a late fee, {$40.00}, on XXXX the same day as the payment. How many people has Kohls done this to? 
I caught them trying to steal money from me. I knew the balance was {$0.00} based on my last call to Kohls. If I didnt read the statement I would owe fees and interest on {$40.00} they charged me illegally.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24
Company: EQUIFAX, 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:
I never had a XXXX account nor XXXX nor XXXX XXXX XXXX account. Nor for the past 7 years have I made any inquiries or tried to get new credit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I never had a XXXX account nor XXXX XXXX XXXX XXXX XXXX account. Nor for the past 7 years have I made any inquiries or tried to get new credit

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 2017-09-17
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Hello, we have been in a fighting battle with our bank/ servicer Nationstar Mortgage ( who now changed their name to XXXX XXXX ) for a very long time I mean very long time. We have been trying for a loan mod. couple years now and recently its getting worse and worse and the bank keep pressuring and not providing the loan mod. that is being applied for. So our servicer now is XXXX XXXX and we have sent them many times a request for mortgage assistance forms packet with all documents. Recently we mailed in a signed copy of the request for mortgage assistance and all required documentation to be reviewed for a loan modification. XXXX XXXX has all documents mailed which they received and are in review. 
If XXXX XXXX proceeds to sell my home while having a complete request for loan modification review packet then they will be in violation of multiple laws including but not limited to my California Home Owner Bill of Rights Act XXXX XXXX has still placed my home on a foreclosure sale set for XXXX-2017 and has not CANCELLED the foreclosure sales until the review and loan modification and the process has been approved and agreed upon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25
Company: Experian Information Solutions Inc.
State: GA
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:
Hello, I recently pulled my credit report to look for financing and seen incorrect information that I would like deleted immediately. I have tried to consult with these creditors with no luck.

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 2018-02-27
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:
I requested validation from XXXX XXXX as I have a right to do so under the FCRA. Three letters have been sent as required for VALIDATION not verification. The debt amount showing on my report {$420.00} was removed between XX/XX/XXXX-XX/XX/XXXX but was reinstated without a 5 day written notice which is also violation of my consumer rights. I have not received the original contract showing my signature. This needs to be removed immediately from all 3 credit bureaus. A bill is not VALIDATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24
Company: ENCORE CAPITAL GROUP INC.
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am receiving repeated, continuous robocalls from Midland Credit Management on my cellphone, harassing me on a daily basis. I have no debts and have no reason to be receiving these calls. I have also sent a cease and desist letter. 

This unnecessary harassment needs to stop interrupting me throughout the day multiple times -- and without cause. I suspect that I am on their list because mine is a common name, and the company has not taken the time to investigate fully if they have the correct person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
XX/XX/XXXX The background of this compliant is regarding unanswered communications to Chase ( JPMortganChase ), specifically and initially in a phone conversation and servicing complaint on XX/XX/XXXX, with a purported manager named XXXX XXXX phone # XXXX XXXX XXXX. ) 75 days have elapsed days without a reply, There were additional requests for a reply made to other Chase personnel, 1. customer service # XXXX XXXX XXXX, as well as,. 
2. requests to their online messaging system personnel AND. 
3. a couple of formal PERSONAL AND CONFIDENTIAL complaints to their executive officer ( XX/XX/XXXX, CEO ) on XX/XX/XXXX and XX/XX/XXXX XXXX and 37 days have elapsed days without a reply, INCLUDING. 
The failure to satisfy a requested XX/XX/XXXX deadline 33 days have elapsed. without a reply on this. 

in summary Chase never responds to the complaint ( s ) submitted to that employee or any of the others named. 

XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX PERSONAL AND CONFIDENTIAL Mr.XX/XX/XXXX, CEO XXXX. fax XXXX XXXX XXXX XXXX alt re : Complaint This is another formal COMPLAINT regarding my communication to your office on XX/XX/XXXX It has been another 2 weeks without any response or resolution on the issue presented to XXXX on XX/XX/XXXX and now 5 weeks since that was first done. 

I have not heard back from anyone. 

I need a prompt written response and RESOLUTION of this specific complaint, no later than XX/XX/XXXX, to be sent via XXXX XXXX or USPS Priority mail, without my having to ask again and again or involve other entities. 

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ********************************************************************************************************************************************************** XX/XX/XXXX PERSONAL AND CONFIDENTIAL Mr.XX/XX/XXXX, CEO fax XXXX XXXX XXXX XXXX XXXX XXXX. 

re : Complaint This is a formal COMPLAINT regarding a manager named XXXX XXXX XXXX XXXX XXXX XXXX, On XX/XX/XXXX, I contacted the XXXX # and after several transferred calls, I asked for a manager and was connect to him. 

The issue was regarding unresolved issue presented to you online messaging personnel responses or lack thereof. 

He stated that he would formalize a complaint and stated I would receive a reply in 3-5 business days This did not occur and, as a result, commencing around XX/XX/XXXX, I attempted to contact him again both through both the XXXX and the XXXX numbers ]. 

I was told that this matter would be forwarded to him Approximately 25 days have elapsed since the XX/XX/XXXX contact. BUT, I have not heard back from anyone. 

I need a prompt written response and RESOLUTION of this specific complaint, to be sent via XXXX XXXX or USPS Priority mail, without my having to ask again and again. 

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
Company: FIRST NATIONAL BANK OF OMAHA
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XX/XX/XXXX, a credit from a flight was posted on my credit card account - {$45.00}. I could not understand where this credit was coming from therefore I contacted First National Bank to inquire about it. I was assured it was coming from the merchant. I contacted the merchant to make sure the flight hadn't been cancelled and the merchant assured me they did not issue any credits. The type of credit card product I have with XXXX is a travel credit card that includes a {$100.00} travel credit for travel incidentals. I inquired with the bank if the credit could be from those funds and I was told by XXXX that the XXXX XXXX XXXX ( XXXX ) did not match a transaction that would trigger those credits.

Later in the year, when I complained as to why the credits were not being posted on the account, I was told by the bank that the {$45.00} was actually from the previously mentioned pool of credits and that all the allowed {$100.00} were credited on the account. This is completely unacceptable and misleading. On the last correspondence from the bank, XXXX acknowledges bank error and providing misleading information, yet refuses to correct it.

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 2020-11-17
Company: AmerAssist A/R Solutions, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. I recently learned that my personal information was used to open an account at AMERIASSIST AR SOLUTION. I did not open or authorize this account, with this company or no other company they represent and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. Not only that being that this is a medical account and I do not recall giving permission to any provider at all allowing them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Also AMERIASSIST AR SOLUTIONS or the company the represent never even sent me notice of the fraud account or else they would have already known that I was a victim of identity theft and this account is a result of thereof. Additionally, I thought any reporting of a debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I have previously notified AMERIASSIST AR Solution that I am a victim of identity theft and to close this unauthorized account but they decided to ignore my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
Company: CITIZENS FINANCIAL GROUP, INC.
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: Account status incorrect

Complaint:
I opened a mortgage with Franklin American Mortgage in XXXX. I paid the mortgage off in full on XX/XX/XXXX, as referenced by a payoff loan official letter from the company. 

Since then, there have been delinquencies reported for over 120 days on my credit report. When I call the company that handles those loans, they have no record of my account, even after providing my social, account number, address, etc. The company, XXXX has no information, FRANKLIN AMERICAN has  no information, and CITIZEN BANK has no information, but the notation on my report is from FRANKLIN  AMERICAN.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
Company: EQUIFAX, 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:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy or ( bankruptcies ). These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX XXXX   XXXX {$3900.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} XXXX  XXXX {$20000.00} XXXX XXXX XXXX {$27000.00} XXXX XXXX XXXX  XXXX {$7100.00} XXXX XXXX XXXX  XXXX {$680.00} XXXX XXXX {$320.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24
Company: EQUIFAX, INC.
State: MI
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 back in XX/XX/2020 and noticed several inquires on my credit report that i had no knowledge of nor did i authorize, and came to the realization that someone may have stolen my personal information. I contacted my local police department and was told, since no fraudulent accounts were open to file an identity theft report with the FTC and submit it to the credit bureaus to bring any fraudulent activities to their attention and to get them removed. i have mailed a copy of my ftc report using certified mail to equifax and XXXX twice since XX/XX/2020, using the tracking numbers from the mail receipts i was able to verify both times that the letters were received by these agencies. still to this day ( over 3months later ) i have not received any rersults, or status updates from these agencies. i have called these agencies several of times and have got diffrent stories each time, including we never got the letters, we are still working on your disputes, and then again we never received your disputes. i will upload the receipts and tracking numbers from the united states postal service proving that i indeed mailed my forms to these agencies and that they received my documents both times, i will also upload a copy of my federal identity theft report along with my state id and social security card so that these agencies can do the jobs they are paid to do and not falsely close this complaint out due to not being able to identify me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
In all the years that I've been doing business with companies, I have never purchased anything from these companies, nor was I notified about the collection.. I do not recognize these companies and I do not owe them, remove this from my credit report XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( ORIG CREDITOR : 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 2023-05-10
Company: EQUIFAX, 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:
I am a victim of identity theft, and I did not make or authorize this charge. I am requesting that those charges be removed. 

I understand that failure to investigate these accounts within a period of thirty days will result in non-verification which requires that the above accounts be immediately removed from my credit file.

I also understand that the Fair Credit Reporting Act specifically 15 USC sections 1681i ( d ) and 1681j requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-24
Company: CREDIT ACCEPTANCE CORPORATION
State: IN
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:
Information received back from dispute to Credit Acceptance validates my reason for dispute. Letter from Credit Acceptance states the reporting is accurate. ( See attached documents of reports showing multiple errors. ) 1. Letter states account was a collection as of XX/XX/XXXX? How is this possible when my last reported payment in full is XX/XX/XXXX? 2.  Account is still on report as collection as of today. XX/XX/XXXX. This is clearly inaccurate. 3. Letter states that first delinquency date was XX/XX/XXXX? Credit Report clearly shows first delinquency date of XX/XX/XXXX. Which indicates rollback and illegal re-aging. 4. One report shows paid, and other shows as derogatory thats still in collections. These are multiple inaccuracies which are in violation of my rights under FCRA law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-18
Company: Performant Financial Corporation
State: FL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Performant Recovery is harassing me with the amount of phone calls I receive. They call me everyday multiple times throughout the day and they've also called me repeatedly before XXXX.

They are also calling my place of employment everyday more than once throughout the day. They have even faxed my employment several times.

They have also contacted my neighbors on several occasions. My neighbors had to resort to blocking their contact.

I can provide phone records of the call history with this company as well as the call/fax history with my employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I opened complaint XXXX with CFPB and I never got a call from my credit card company and when I called them back there were many inconsistencies. 

1 ) First they told me they reversed my credit limit from {$8500.00} back to {$6000.00} in XXXX, then they said it was done in XX/XX/XXXX2 ) No one ever called me from the bank to discuss the issue 3 ) When I check my credit limit today its still at the {$8500.00} limit, not {$6000.00} 4 ) They rejected my request for a modest {$25.00} credit for all this aggravation I would like to discuss my issue with someone from the bank, I believe they owe me a call to discuss my complaint. Customer service says they can not tell me who worked on 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 monetary relief
Consumer complaint received 2020-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
account information inaccurate which in is violation in FCRA XXXX XX/XX/XXXX : account XXXX XXXX XXXX date opened XXXX 2016 union reports that i was 30 days late XX/XX/2016 i was never late with a payment. 
TRANSUNION : reports that i was current with payment XXXX 2016 this is factual and inaccurate account needs be be removed/delete because of factual inaccuracies

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 2020-07-29
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I use XXXX XXXX and also various credit card FICO score which shows that my score is 810+ I have never been late with payment for 10+ years, I have ample credit card, no negative record. No loan, credit utilization is less than 2 %. I have always been paying on time and full amount, have XXXX+ salary. 

When I went to get Auto loan at Toyota dealership, they pulled out my record with XXXX score which is way below what my actual score is. 

I checked all 3 agencies and there is no negative record ( except for the Toyota Loan that I took ). I believe Toyota intentionally showed me a lower score. There is no reason for my score to be less than 800. I checked all agencies, credit card FICO scores they are all above 810. 

I have a suspicion that the score is manipulated when I seek loan by Toyota financial. Or there is some underlying issue exists that lowers the FICO score exactly when a loan is being requested.

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 2020-05-26
Company: Experian Information Solutions 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:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect.

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