BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
total billed {$1000.00} just an estimate XXXX XXXX insurance paid {$270.00} supposedly I have to pay {$140.00} + {$120.00} XXXX XXXX XXXX account XXXX, was suppose to charge me {$1500.00} for all the XXXX work including a XXXX XXXX  and 4 treatment of XXXX XXXX. This XXXX XXXX   made my XXXX worse, both the XXXX and his assistant nurse who also does billing flat out lied to me. They said they would adjusted the rates most of the funds would be billed to the insurance company. After I complained about how he cause so much problems doing the XXXX  XXXX, I told him I am not going to have anymore treatment t. The XXXX ramble on saying I need more treatment. I paid {$100.00} to a XXXX balance ... the XXXX office charged me extra {$240.00} bring the bill to {$340.00}. Which was put on my credit report. After two years, I had several XXXX XXXX and my XXXX are find now. I tried calling the XXXX company explaining I have a XXXX balance and since the XXXX  cause so much pain, listening to the XXXX lies and about healthcare ... I got a second opinion for another XXXX, which had to XXXX several XXXX, and now my XXXX are healthy. All this XXXX was good for taking advantage of me and insurance company. XXXX XXXX XXXX to me is a good scam artist and he can say anything he wants ...

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 2019-10-24
Company: Ocwen Financial Corporation
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I contacted my mortgage company, ocwen/phh and informed them I was having hard times and was going to miss payment. They said that I couldn't apply for a modification until 3 missed payments. I tried to pay after missing 3 payments ( to keep it from becoming more than 3 ) they wouldn't accept 1 payment, they needed all past due amounts, they then denied my modification for being more than 90 days behind.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24
Company: Comerica
State: SC
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
i am my brothers payee for his social security benefits i applied for a replacment card in XX/XX/2019 they gave me a hassil and said i need to send my social security card and goverment id for me and my brother which i did and i never heard back from them so i called agin and they gave me the run around and wanting me to send my information agin i said know because now im getting scam emails from direct   express which they said they dont sent emails but told me to email my information i went to XXXX sc socail security office and the agent called direct express and they gave her the run around and finally told her the card will be in my mail box in 7-10 days it never came so i called to XXXX again they were rude which they always are so i called XXXX sc social security office and they said its nothing they can do need to call XXXX  sc so i called the federal social security at XXXX and explained my situation so the agent called direct express he had me on three way direct express agent was rude and said they cant send the card or give out any information tome with him on the phone so i called back and they tried to get me to send my information agin i said no this a scam then they claim they sent the card and its been used which i never gotten

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE
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:
On XXXX XXXX, XXXX, I used a promotional balance check from Capital One credit card company. I had a note on my calendar that the promotional due date expired on XXXX XXXX, XXXX. So, in order to avoid any interest charges, I was preparing my finances to pay the balance in full. I logged on to my account in order to verify my information and discovered that i could not locate ANYWHERE on the website the terms of the promotional agreement. It is also nowhere on my statements. I called and spoke with XXXX representatives, an initial customer service rep and then a supervisor, and was told that that information is not available anywhere on the website or my statements and that they could only verify the terms verbally. I requested an email or some sort of written documentation and was told that they were unable to provide that to me. My concern is that they have the promotional end date as XXXX XXXX, XXXX, which is 6 months later than what I have. I would like the full benefits of my original agreement, but as I am sure you understand, I am not comfortable taking their word for it. I have made notes as to names, dates, and time. My request for help is that I receive some written documentation of the agreement. My question is, How is what they are doing even legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
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: Investigation took more than 30 days

Complaint:
XXXX, XXXX, Experian, Credit companies are not complying with their own policies within a timely manner, on XX/XX/2022 I contacted the above companies regarding multiple account inaccuracies including a XXXX consumer account showing {$XXXX} balance and inquiries including XXXX XXXX, first XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX, I have yet to receive in response.

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 2022-10-07
Company: MOHELA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I am trying to talk to a representative at Mohela to change my repayment plan to the standard repayment plan. I have called them repeated times, and I can not get passed the machine. Waiting times to talk to a representative are over two hours according to what the machine says, and each time I have been waiting the call gets dropped a few minutes into the call or a few times after waiting over an hour. ( could. not get a representative or get through the machine ). I also tried to contact them through the message function in the company website, and I have not heard back from anyone. My issue is time sensitive as I need to submit some documentation to my employer regarding my loans, but I can not do so as long as the wrong repayment plan is there. Below are the dates I have attempted to contact Mohela, By phone XX/XX/2022 @ XXXX, XXXX, XXXX. // XX/XX/2022 @ XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. // XX/XX/2022 @ XXXX, XXXX, XXXX ( these calls didn't even get through ; I would get a busy tone ) // XX/XX/2022. @ XXXX // By message XX/XX/2022 // XX/XX/2022 // No actions taken by the company Mohela of any sort XXXX would like to talk to a representative to change my repayment plan to standard ASAP. I can not do it on my own through the automated system or in the website considering that there is not such option for customers unfortunately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20
Company: AUTOMOTIVE CREDIT CORPORATION
State: MO
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Amount owe was XXXX but they lied about the amount owed i paid them off in the amount of XXXX and they still wont take this account off my credit report or put it in good standing i really just want it 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
Consumer complaint received 2019-10-24
Company: NELSON AND KENNARD
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
On or about XX/XX/2019, an arbitration was concluded, with proofs and notices. XXXX XXXX XXXX XXXX. tried to sue me without success because an existing Final Foreign Judgement superseded their attempt at evading the law. The final foreign judgement, confirmed and recorded in XXXX County Superior Court under case XXXX, is evidence of this. 

I have been harassed by flurries of threats and motions/ correspondence by XXXX  XXXX XXXX XXXX , Attorney 's named Nelson & Kennard , Attorney named XXXX XXXX XXXX repeatedly put false claims and affidavits into a court record to try to extort the woman named XXXX XXXX . They knowingly and willingly ignored the previous final foreign judgement in order to enrich themselves and this is against public policy. 

My final foreign judgement against XXXX XXXX XXXX XXXX , Nelson & Kennard, XXXX XXXX, and Consumer Financial Protection Bureau is legal and binding for the amount of XXXX. 

I REQUIRE that any and ALL false credit reports be removed immediately! Furthermore, I require the amount due and owing to the woman, XXXX XXXX, be paid in the amount of {$190000.00}, without delay. This is a final and binding contract agreed to by all parties. The woman, XXXX XXXX has endured, Slander, defamation of character, mental and physical duress, time and money taken to defend a fictitious lawsuit, time away from her life, liberty and pursuit of happiness, which is a fundamental RIGHT. MY rights as a woman, have been depleted. I demand payment, and the reporting of my credit to make me whole. Any attempt for this to remain on my credit report, will require 3X amount awarded in final judgement, inclusive to agreed upon contract. 

The Breach of Contract for trying to litigate outside the contract, and attempting to sue in XXXX County District Court, constitutes 3X the award according to the agreed upon contract. This brings damages to {$580000.00}. Now due and owing according to the agreed upon contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24
Company: EQUIFAX, INC.
State: HI
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 XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: EQUIFAX, INC.
State: TX
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:
Under the FCRA requirements within XXXX  days of the date of receipt of my dispute letter the credit bureau must post a notice of dispute in the comment section on my credit report and they have fail to do so! The following accounts has no notice of dispute.. XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX & XXXX XXXX . I have attached a copy of my report highlighted with the last reported date updated and the comment section was NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX  ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I disputed each account with each credit bureau.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS
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:
There are multiple credit cards on my report that are not mine. I believe someone used my information to get these card

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24
Company: Experian Information Solutions Inc.
State: HI
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:
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 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 non-monetary relief
Consumer complaint received 2019-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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:
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 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 2023-07-13
Company: EQUIFAX, 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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: Franklin Collection Service, 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:
I checked my credit and saw that a collection debt was on it. Saying I opened in XX/XX/2020 but I did not open anything

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This complaint is about : LoanCare, XXXX XXXX XXXX.XXXX. XXXX XXXX XXXX  XXXX, VA XXXX. 
XXXX XXXX The loan number is XXXX Under the name XXXX XXXX Loancare Credit dispute # XXXX They are refusing to fix errors they have made to my account : On XX/XX/2020 I received a call from Loancare saying my payment was late. After trying to get ahold of Loancare for two and a half days. I finally got through to XXXX # XXXX on XX/XX/2020 at XXXX XXXX. I explained to her it was there error and to get ahold of my credit union who sends the checks out. I gave her their phone number to call. I had been sending the same checks to them for a year without any problems. She refused to call and clear up their error. 

On XX/XX/2020 I sent an email through their site to explain that they had made an error and please clear it up. I again gave my credit unions phone number. I also asked them to stop the daily calls to me. I still receive the daily phone calls. The company refused to call the credit union. I then got ahold of the credit union and they sent me proof of the check and on XX/XX/2020 I sent the information to loancare. On XX/XX/XXXX a late payment of {$26.00} was added to my account. 

Later in XXXX the check in question dated XXXX, XXXX payment, was sent to my home. As I am not living there right now it takes a while before I know what was sent to the house. There was a paper sent with it as to explanation as to why it was sent but there was nothing marked on it. 

Later another check arrived at my home dated XXXX, XXXX payment. This did have a mark on the paper saying they could not identify the check. They had been identifying these check for a year now. Why the problem? I have repeatedly asked where to send these two checks to so they can be applied to my account. They will not answer me. 

On XX/XX/XXXX they sent a letter to my home saying they did not have my insurance information. 

On XX/XX/XXXX I emailed them the insurance information. 

On XX/XX/2020 they informed me that an escrow account was opened in my name and insurance money was taken out of it. 

I never opened an escrow account. 

On XX/XX/2020 I sent an email through their site asking 1. I need to know where to send the two checks too.

2. Have the escrow account removed from my account 3.Have late payments taken off but there has been no response to this email On XX/XX/2020 I received an email thanking me for my check dated XX/XX/2020, XXXX payment. On that sheet was an email address to send complaints to so I sent them another complaint about my account. 

I received an email back saying this site is no longer being monitored. 

I am completely stumped as to how to get my problem with loancare fixed.

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 2023-02-16
Company: Experian Information Solutions Inc.
State: NC
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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX Account have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose..

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 2020-12-01
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
On XXXX I sent Disputes to deleted all unknown and inaccurate accounts on my credit report but today is over 30 Days but there's still no response. I am a victim of XXXX Data Breach. I demand to deleted all the accounts or I will file a litigation

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