BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-03
Company: Experian Information Solutions Inc.
State: IN
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 tried to send letter to XXXX to remove unauthorized inquires on my credit report. only inquires should be on my credit is actually credit that is open/accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23
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: Account status incorrect

Complaint:
I got an alert from XXXX and Equifax and XXXX that my account is 60 days late which is not correct I brought my account current as of XX/XX/XXXX so why am I being reported 60 days late. I called the number on the back of the card and got the run around. I made a payment of XXXX dollars on XX/XX/XXXX then I made a payment of XXXX dollars on XX/XX/XXXX which brought it current then XXXX XXXX XXXX   reports me 60 days delinquent on XX/XX/XXXX which is incorrect it should be reporting current.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: Experian Information Solutions Inc.
State: NC
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$650.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$530.00} ; LXXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$180.00} ; XXXX XXXXXXXX XXXX  Original Creditor : XXXX ) XXXX Balance : {$230.00} ; XXXX XXXX ( Original XXXX : XXXX XXXX XXXX ) XXXX XXXX XXXX {$100.00} ; XXXX. SYSTEM, XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$350.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$170.00} ; XXXX COLLECTIONS XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$60.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX XXXX to FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.

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 2018-04-23
Company: DISCOVER BANK
State: IA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Discover has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23
Company: EQUIFAX, INC.
State: KS
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 ( XXXX ) is reporting on my credit file and is a fraudulent account. I have notified XXXX and Equifax on multiple occasions however the account still appears. I have also submitted an FTC report in regards to the fraudulent information. 

In addition XXXX is reporting a XXXX ( opened XX/XX/2013 ) account that is as an result of fraud and has been provided proper documentation to remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
Company: Ocwen Financial Corporation
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was current on my loan till XX/XX/XXXX, in XX/XX/XXXX Ocwen ask me to re-modify my loan lower my interest rate, told operator i would be making XX/XX/XXXX's payment later that week Ocwen 'said does n't matter if month behind or 2 yrs behind we 'll re-modify your loan lower your interest rate and make your house more affordable I GUARANTEE IT we 're Ocwen this is what we do keep homeowners in their home. After 10 months of updating turn me down wanted XXXX , offered XXXX $ said all or none.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02
Company: TCF NATIONAL BANK
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
To Representative of CFPB : I am filing this complaint to request your help in getting restitution for one of my TCF accounts.

I have had my checking account with TCF for more than 20 years. My wife also has 2 checking accounts with TCF. We share one account. So we have three accounts all together.

All 3 accounts were opted in on the same day, we were both at the bank at that time.

She has received restitution for her individual account, and our joint account has received restitution.

I have not received any restitution for my individual account.

I called the TCF admistrators number on XXXX, XXXX XXXX XXXX XXXX and did not get any help to resolve this matter. 


This account had a lot more overdrafts than both of the other 2 accounts. 
Can a CFPB representative get back to me please. 


Q1. Can you help me get restitution for my checking account? 

Please let me know the answer to this question. 
Thank you in advance for your help. 
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 2020-05-09
Company: Rent Recovery Solutions
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
My private information was sold to Rent Recovery Solutions acting as collector for XXXX XXXX XXXX  XXXX XXXX for an alleged debt ... 
Opened XX/XX/XXXX according to XXXX XXXX.. 

Same with the following.. 


XXXX XXXX XXXX  acting as collector for XXXX XXXX XXXX XXXX XXXX  Opened on XX/XX/XXXX according to XXXX XXXX XXXX XXXX XXXX acting as collector for alleged creditor XXXX XXXX XXXX  Opened on XX/XX/XXXX according to XXXX XXXX  XXXX XXXX  XXXX acting as collector for alleged creditor : XXXX XXXX XXXX XXXX Opened on XX/XX/XXXX according to XXXX XXXX  And XXXX XXXX  XXXX acting as collector for alleged creditor : XXXX XXXX XXXX XXXX  Opened on XX/XX/XXXX All of these liens and accounts shown on my credit are Fraudulent and inaccurate. My private information has been given out to Third party contractors to secure and alleged debt that none of these " creditors '' can prove with a ORIGINAL wet ink Signature of mine proofing a debt and that I owe with ANY of said Creditors! 

According to the secretary of state in North Dakota ( my born state ) there is no proof I owe any debt to any alleged creditor and I did a UCC-11 to prove that.. I'm asking that you guys make these " creditors '' prove I have a debt with a original wet ink Signature with my name ... 

As well as a way to settle my debt LAWFULLY as according to the Constitution. Rather accept for value, discharge, set off. Or gold or silver. As per House joint Resolution 192

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for XXXX XXXX XXXX XXXX by Citi on XX/XX/2018, and get a response what my application is under review asking to call Citi for more details. I called them XX/XX/XXXX and they said they require additional documents from me, one of the following : US passport, Permanent Residence Card ( " green card '' ) or voter card.

I'm resident alien in the US on H1B visa with valid SSN but I don't have any of this documents : I'm not a US citizen to have a passport or voter card and I don't have a green card either. They neither decline my application nor approve it.

I called them to check if there is a mistake in data and they accidentally have US citizenship for me in the file and they responded - no.

I have a few other credit cards with different banks and I have an excellent credit history and I never was asked to have a permanent resident card or the US citizenship to apply for credit card.

Moreover, there is no such information on terms and conditions page for this credit card

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 2020-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I was billed {$27.00} for no reason. I never agreed to a membership. I was forced to put my credit card info in just to sign in. Then at no time did they have a page that notified me I was about to be charged {$27.00}. At no time did they ask me to confirm my order.

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 2019-01-02
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
On XX/XX/XXXX at XXXX XXXX  I contacted Navient by phone in regards to my Income Driven Repayment Plan since I had received notification my payment would increase from {$0.00} to {$110.00}. I worked with XXXX who advised me to submit a Change Plan Request at Navient.com then to select the fifth option stating " income-driven repayment with the lowest monthly payment '' and that it would lower my payment to approximately {$75.00}. XXXX advised me that he would send me an email and that I would select : email -- > return applicant -- > change plan request -- > lowest monthly payment ; however once I reviewed the email I found it was not in this format. 

I then emailed Navient on their website and they emailed back on XX/XX/XXXX that I would submit the request on studentloans.gov and it was the " easiest and quickest way '' ; however again it was not explained how to submit for the lowest monthly IDR repayment plan. 

On XX/XX/XXXX at XXXX XXXX  I contacted Navient by phone again and spoke to XXXX. XXXX walked me through and advised me to go to : studentloans.gov -- > " Repayment & Consolidation '' -- > " Apply/Re-Certify/Change an Income-Driven Repayment Plan '' -- > " Switch my current plan to a new plan '' -- > " I am submitting documentation early to have my income-driven payment recalculated immediately ''. XXXX also advised me to go to Navient.com and select : " Inbox/Upload '' -- > " Repayment Plan '' -- > " The Income-drive repayment plan with the lowest monthly payment '' ; in regards to submit proof of income. XXXX emphasized just as XXXX had on XX/XX/XXXX that my payment would be approximately {$75.00}. However, on XX/XX/XXXX I received an email from Navient stating " we've approved your request for an Income-Driven Repayment plan '' with the unaltered monthly payment of {$110.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: AMERICAN EXPRESS COMPANY
State: MA
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 was victim of identity theft as a result of being XXXX and did not have a physical address in 2012. Numerous accounts were open without my permission. The creditors calls and harass me daily for debt. I explained the set is not mines. They sent me NO billing info. I was also told by the credit bureaus that my personal data was breached from the credit bureaus and i am still fighting that. I hired a credit repair company to help me with these disputes, as i am new to this. They are not coorporating and states that they are willing to take a settlement. I don't know what else to do so i am finally coming to you guys for some guidance please.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02
Company: Experian Information Solutions Inc.
State: CA
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:
Experian has reported medical debt on my credit report in violation of its settlement agreement with the NY Attorney General, executed on XX/XX/XXXX, wherein its Experian 's XXXX XXXX XXXX of XXXX XXXX and XXXX XXXX XXXX XXXX XXXX agreed that such debt would not be reported " when the date of the first delinquency is less than one hundred and eighty ( 180 ) days prior to the date that the account is reported to the CRAs. '' XXXX  XXXX XXXX has reported Account number XXXX as of XX/XX/XXXX, which services were allegedly preformed by a dentist less than six months prior.

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 2020-06-04
Company: Blackhawk Network Holdings Inc.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I received a MasterCard gift card from my employer for {$500.00}, purchased on XX/XX/XXXX. 

I went to use the card in XX/XX/XXXX and the funds had already been used - {$490.00} on XX/XX/XXXX. The packaging was fine but the card itself was damaged and the 3 -digit code on the back of the card had been tampered with and removed. The card had clearly been scammed and compromised prior to me using it. 

I called the customer service number on the back of the card and completed an online case on XX/XX/XXXX, providing details and all documentation including photos of the card and the purchase receipt. My case was denied on XX/XX/XXXX and they told me to contact the Disputes Team. 
I completed the online dispute form on XX/XX/XXXX with supporting documentation again but my case was denied on XX/XX/XXXX citing " ... account discrepancies are to be communicated to us no later then 60 calendar days after the transaction has posted to your account. Unfortunately, we did not receive your inquiry within this time limit. We have no resources to recoup these funds for you. '' I explained in my dispute application that it was impossible for me to communicate the issue within 60-days as i hadn't opened the package.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-03
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a letter from a debit collector stating if I do not pay them. They will take legal actions against me. I have reached out to such debt collector for them to validate this erroneous information on my credit report. I have yet received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09
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: Account status incorrect

Complaint:
On XXXX XXXX XXXX its states i was passed due for 60 days. & I sent my enrollment paper that stated I was still in school. & my information have not been updated. & if you could help me get the information that would be great.

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 2019-01-02
Company: CITIBANK, N.A.
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Obtained 2nd mortgage ( No Doc ) via CitiMortgage in XXXX We requested $ XXXX, but broker up sold us to $ XXXX at 6.5 % and convinced us of its advantages due to our excellent credit During recession, second mortgage payment became unaffordable. 
Initiated modification process in XXXX Have submitted all docs upon request and resubmitted repeatedly after continued loss of docs by CitiMortgage. This process has continued for 9 YEARS and CitiMortgage still has not offered any solution. 
We have retained the services of 3 different law firms to represent us ( since communications with Citi turned out to be impossible, attorneys had given up ) We  have been through over 70 CitiMortgage representatives over the years promising a quick modification resolution ( all records and emails available upon request ). 
Settlement ( as requested ) finally offered by CitiMortgage ( via email ) in XXXX. Our attorneys immediately followed up to discuss, but again - NO RESPONSE from CitiMortgage. 
Presently, situation remains unchanged ( of course, they are continuing to ask for updated docs ) We feel CitiMortgage has stalled for 9 years waiting for house values to rise in XXXX XXXX. 
As a result of the above, we feel Citimortgage has not done business in good faith, as prescribed by law.

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 2020-06-27
Company: Freedom Mortgage Company
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage company is trying to increase my payment because they THINK there MIGHT be a shortage in my escrow account They wrote " This shortage likely was caused by changes in your taxes and / or insurance '' I don't think i should pay more because they think something might increase and they don't even know what it is it is only " likely '' If anything legitimate in the escrow increases and a document is produced by the company increasing something i will have no trouble to pay that but i am very reluctant to pay on a HUNCH the something MIGHT increase

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 2020-06-27
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I am extremely dissatisfied with the way billing disputes of Barclays Bank ( XXXX ) handled my situation. On XX/XX/XXXX, I called and had an agent who tried to assist me with billing dispute in regards to goods that were not received. I let them know that I paid for multiple transitions but no product was provided. 5 day later I received 25 letters in mail stating that my cases got denied because of the merchants cancellation policy. I did not need to cancel anything, I was telling the agent that I did not receive custom product. I then ( on XXXX, XXXX ) faxed my supporting letter about the transaction and stating that I did not receive the product. I received 5 letters that 5 cases were resolved in my favor, latest being case # XXXX for {$9.00}. On XX/XX/XXXX received multiple letters dated XX/XX/XXXX for cases XXXX, XXXX, XXXX stating that bank is unable to pursue credit due to REASON UNABLE TO ASSIST. This is very disappointing and dissatisfactory. I do understand that we are in the pandemic and bank is short staffed, but there is has been a zero attempt to help me in this difficult time. The cases have not been properly investigated and no merchants have been contacted to address the situation or no response was received. I would like action to be taken and assist me with all the disputes that have been opened/closed.I feel am being discriminated against and no investigation being done in regards of the services that were not provided by the merchant. Up until today I received very little help from XXXX from Office of the president ( XXXX ext XXXX ) who closed the complaint case, stating that she saw some policy on the website, with no specifics.

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 2019-01-02
Company: Experian Information Solutions Inc.
State: FL
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 not received confirmation nor certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately, Therefore. You are to present to me with a certification in testimony that the alleged accounts presented in Exhibit C are in fact compliant and not subterfuge? ( copied from the affidavit of truth and Facts )

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