BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-20
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX Credit card was open in XX/XX/XXXX and is currently in charge-off status. The 3 credit bureaus are only reporting back to XX/XX/XXXX. I am trying to confirm how this account was opened, online, in person or via mail, etc. I am also requesting payment history between XX/XX/XXXX and XX/XX/XXXX. I believe the date that this account should have stopped reporting has passed. I have attempted numerous dispute to obtain and verify information regarding this account. The result of the disputes is always updated with insufficient information. Please verify the creation of this account and provide payment history between the origination and XX/XX/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 2023-01-31
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Wells Fargo denied loan modification on my property, forcing me to file for bankruptcy in 2019.

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 2019-02-20
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX Credit card was open in XX/XX/XXXX and is currently in charge-off status. The 3 credit bureaus are only reporting back to XX/XX/XXXX. I am trying to confirm how this account was opened, online, in person or via mail, etc. I am also requesting payment history between XX/XX/XXXX and XX/XX/XXXX. I believe the date that this account should have stopped reporting has passed. I have attempted numerous dispute to obtain and verify information regarding this account. The result of the disputes is always updated with insufficient information. Please verify the creation of this account and provide payment history between the origination and XX/XX/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 2020-11-23
Company: COLLECTION BUREAU INCORPORATED
State: ID
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I received a court notice of judgement and default stating that I had been sued for a debt on XX/XX/2020 from the office of XXXX XXXX XXXX and XXXX XXXX XXXX, Attorneys at Law on behalf of Collection Bureau , Inc. I received no prior notices of the lawsuit and the court papers do not state what the debts are owed for. They entered a judgement against me for {$880.00} plus attorneys fees of {$400.00}, {$200.00} in other costs for a total of {$1400.00} for failing to respond to the lawsuit which I never received notice for. They served my court papers to a person not related to me and who I do not know and had them sign for me ( if it was required for the person receiving the papers to do so ). I furthermore do not live at the address they had served to and have not lived there in six months. This is a violation of my privacy as the person receiving my mail and court papers did not have the legal right to do so and it potentially gave them access to my personal information that they were not legally entitled to because the papers contained the court case number which the person could have looked up. Luckily, the person who received the mail did the right thing and forwarded it to the post office who then forwarded this first notice of the lawsuit to my current address ( I have had trouble with the post office properly forwarding my mail to me since XXXX and I have called the post office several times to try to resolve the issue ). Therefore, the attorneys for Collection Bureau , Inc. falsely certified to the XXXX County Court Clerk that they had served me with the court papers when they in fact had not. Therefore, I had a judgment entered against me for debt I was unaware of and am not sure is valid because I failed to respond to a court notice that I never received. 

I have no knowledge of owing them any debt as my husband had paid Collection Bureau , Inc. some outstanding medical debts on my behalf back in XX/XX/2020. As far as I am aware, I did not owe them any more money because they sent me no notices notifying that I owed them further debt. 

I called both Collection Bureau , Inc. and the office of XXXX XXXX XXXX and XXXX XXXX XXXX, Attorneys at Law to notify them of their improper court filing on XX/XX/2020. I also emailed the law office on XX/XX/2020. They assured me that they would be placing the judgment on hold. I plan to file a court response to let the court know that I was not aware of the lawsuit or what the debts they list are for since my husband had already paid them in XXXX for previous medical debts I had owed and I believed the debts were no longer owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27
Company: Credit Card Receivables Fund Incorporated
State: IN
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 owed XXXX a credit card debt that has been charged off in XX/XX/2015 and a debt collection company UNIFUND CCR LLC has taken over debt and has filed in court a case to collect debt, which the original debt belonged to XXXX and now there trying to sue me I think thats not right since it was charged off please advise thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Around the week of XX/XX/2019 thru XX/XX/2019, my account was hacked. Some fraudulent activities were spotted which caused concern with the security team. Unbeknownst to me, my account was blocked off, and actions were taken by the banking institution to further stop the fraudulent activity on the account. No one contacted me on the matter. I was trying to retrieve funds the week after when I noticed that the account was blocked. I immediately called said banking institution, CAPITAL ONE 360, concerned asking for details on my blocked account. Several questions were asked to confirm my identity. Everything was confirmed, then they explained the matter. I wasnt aware of what was going on, or what was done. They then flipped the script and tried to blame me for the security risk. They victimized me and played the blame game. I then asked for my banking relationship to be terminated, which they happily agreed to. I asked to have all incoming deposits made to the account blocked off while they still investigate, which they agreed to since I get my direct deposit to this account. CAPITAL ONE 360 is still allowing my funds to go into the hacked account. My employer cant stop any deposits into the account until they can confirm with the bank. CAPITAL ONE 360 is now refusing to give me access to the account, withdraw my funds and wont allow me to transfer my money out of the account. No one is answering my calls, the security team wont get back to me on the matter. My money doesnt even show up on records when I try to log in. Something very fishy is going on, and Im highly concerned. My money is being taken and held by the bank. No one is responding to my calls, the customer service line doesnt know where my funds are located or being held. Im in dire need of help with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am a victim of hurricane Irma, and was made aware that mortgage lenders will grant a three month forbearance and place the three months of mortgage payments at the back of the loan. At first, I thought this was a great way to help homeowner 's out during these tough times post IRMA. My mortgage is $ XXXX. When I called OCWEN LOAN SERVICING, they informed me that they would give me a three month forbearance HOWEVER, at the end of the three months, I will have to payback the total FOREBEARANCE amount over a six month period. So, instead of my monthly payment resuming at $ XXXX, my mortgage payment would be $ XXXX for six months. In other words, they help you out of one CRISIS just to put you into ANOTHER CRISIS. PLEASE STOP OCWEN FOR USING THIS PRACTICE. They are hurting homeowner 's that have been devastated by a natural disaster. Ocwen should be fined for using such a policy and ordered to change their practices and policies immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
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:
ID theft victim. These are the accounts that do not belong to me. im attaching an id theft affidavit. XXXX XXXX  XXXX {$570.00} XXXX XXXX  {$5700.00} XXXX XXXX  {$4600.00} XXXX XXXX XXXX {$2900.00} XXXX {$23000.00} XXXX XXXX XXXX {$350.00} XXXX XXXX {$0.00} XXXX XXXX XXXX  {$7900.00} XXXX XXXX {$790.00} XXXX companies are reporting late when my payments have always been on time. XXXX XXXX XXXX XXXX balance XXXX NEVER LATE XXXX XXXX XXXX  NEVER LATE XXXX XXXX XXXX NEVER LATE XXXX XXXX XXXX NEVER LATE XXXX XXXX NEVER LATE INQUIRES ARE NOT MINE XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: Bridgecrest Acceptance Corporation
State: MD
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Please see attached BRIDGECREST RESPONSE to my initial complaint # # XXXX. 

Also, see attached my NOTICE OF CLAIM TO INTEREST. 

I will no longer allow XXXX XXXX, the Chief Financial Officer of BRIDGECREST and his compadres to mishandle my securities.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XXXX XXXX, XXXX, I tried the Experian on-line tool to FREEZE my credit XXXX XXXX XXXX XXXX times. I have excellent credit. XXXX times I entered the the correct information and thrice it says they are unable to freeze my credit and to send hard copies of information by certified mail to their mailing address in XXXX, Texas. They were charging me {$10.00} and I entered my credit card information for payment. WHY ARE THEY MAKING IT DIFFICULT TO FREEZ MY CREDIT. THERE IS NO REASON FOR ME TO MAIL CERTIFIED FOR FREEZING MY CREDIT IF IT CAN BE DONE ON-LINE. THIS IS ABSURD AND UN-AMERICAN!!!

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 2021-03-26
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I made two purchases using PayPal ( Synchrony Bank ) .The first purchase offered a promotion of 24 easy payments at zero percent interest. The second purchase is a 6 month zero interest promotion. When the bill came due the payments are not separated and the larger amount goes towards the 24 month easy payment plan and no option to pay down the 6 month promotion! There is no option to pay on the 24 easy payment and the 6 month promotion separately which means at the end of the 6 month promotion I will have to pay back all the interest!!! 

In a chat session with XXXX  I was told to make a payment and then call them and they will allocate the payment to the promotion I select so I made a one time payment of {$1000.00} to pay off the 6 month promotion to XXXX XXXX and I was very clear on the phone to PayPal where I wanted the payment to be applied! However they applied it to the 24 month plan instead. I have had 2 chat sessions and 3 phone calls and they refuse to correct the situation. This is completely a scam and fraudulent!! I should be offered two different payment schedules

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 2019-02-20
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:
The following events occurred over the last 17 years which I believe led to the my identity theft. In XXXX I lost my social security card, in the year XXXX I was affected by the XXXX data breach, XXXX I was affect by the XXXX XXXX security breach on my account for my children, XXXX I lost my wallet which included my state issued drivers license and other information and I lost my social in the year XXXX as well. I believe the above events led to thieves using my identity to open the accounts reported.

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 2019-02-20
Company: JPMORGAN CHASE & CO.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I paid my account on time using their website and 30 days after the website notified me that i had paid my account on time the company notified me that they never received my payment. This caused a 30 day late pay to be put on my report. Which has caused me to not get the best rates possible for my home loan. I have tried to get the reporting corrected by going thru the credit bureaus but have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: CREDIT ACCEPTANCE CORPORATION
State: IL
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 gave this car back XXXX XXXX. Credit acceptance was suppose to pick up car. They left the car, which they were suppose to pick up to sell them collect what is remaining. The whole 2019 they have not reported or tried to collect. They also never sent me any notification that they did not try to sell the car. The first time I tried to dispute they added late payments to my credit report which show currently nothing is due. They also took me to court and when I let the lawyer know they did not follow protocol they dropped the case.

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 2022-09-12
Company: Specialized Loan Servicing Holdings LLC
State: WI
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX XXXX XXXX claims that in 2006 we took out a second mortgage on the same day as our first mortgage. They are now 16 years later bring this to court for foreclosure.

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 2019-02-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I paid for a fraudulent service and my bank would not give me my money back even after i provided them with evidence stating the merchant would give me my money back.This event happened in 2017. Since then I have been trying to sue the individual and he has been unresponsive and not accepting court documents. Before attempting to sue, my bank did not give me my money back. I called them several times and requested a call back from the investigator but the investigator put notes in the system that my phone kept going to a busy signal.

Now that its been a year and ive tried various attempts to get my money back My bank is claiming that the claim is too old to reopen.

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 2021-02-24
Company: Centralized Business Solutions Company
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have my call log list as proof which unfortunately only dates back to XXXX of 2020 but for the last year i have been getting at least 2 or 3 calls from this number EVERY SINGLE DAY. They leave me repeated voice mails and non stop call during whatever hours they want. I have tried speaking with someone about not contacting me anymore but they insist i start paying money to them for medical bills from 5 or so years ago while I was going through a lot of health issues i obviously could not afford to have. Like I said I have call logs as proof and I have tried blocking this number but my phone will still alert me every time they call. I am honestly so tried of it at this point, it is non stop and I have tried everything I can to make the calls stop. It is definitely starting to feel like harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: EQUIFAX, INC.
State: CA
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:
These accounts are not authorized and not validated per FCRA and creditors are also aware. these must be removed due to ID theft FTC and ID/address attached : * Account : XXXX XXXX XXXX  * Source of dispute information : accounts * Amount {$600.00} * Dates associated with item being disputed : XX/XX/2023 * Account : XXXX XXXX XXXX XXXX Source of dispute information : inquiries * Dates associated with item being disputed : XX/XX/2023 * Account XXXX XXXX XXXX XXXX XXXX XXXX of dispute information : inquiries * Dates associated with item being disputed : XX/XX/2023 * Account : XXXX  * Source of dispute information : inquiries * Dates associated with item being disputed : XX/XX/2XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 want to inform the Credit Bureaus that I was a victim of identity theft and I'm requesting to remove this fraudulent account from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS is required to REMOVE any account listed in Identity Theft. Once again HERE IS THE ACCOUNT THAT I WANTED TO REMOVE!

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 2019-02-20
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Experian reports FICO score to XXXX XXXX which allows me access to it. My credit rating throughout the last year was steady at about XXXX ( see attachment ), then in XX/XX/XXXX, inexplicably, my score tumbled to XXXX. Shocked by the rapid decline, and knowing there were no triggering events, on or about XX/XX/19, I reviewed my credit reports from XXXX, XXXX, and Experian. All were stellar -- no defaults, all bills paid on time, all closed accounts were left in good standing. I called Experian, XXXX XXXX 's supplier, to complain, and they threw it back on the bank, which in turn blamed Experian.

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 2021-02-24
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different accounts numbers and yet they are never investigated nor removed. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred.

Company response to consumer: Closed with explanation