BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-21
Company: The Outsource Group, Inc
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had my son XX/XX/XXXX at the XXXX 's Hospital of XXXX. During this time I was living at XXXX XXXX XXXX XXXX XXXX, TX XXXX. However, my mailing address is my Mother 's XXXX XXXX XXXX XXXX, TX XXXX. I never received the hospital bill, and did not know what the insurance didn't pay until my credit was affected. Once I realized I had a balance at the hospital I paid it off in full to the hospital. The debt collection company XXXX was the debt collection agency in which was responsible for sending a notice of payment to the credit bureaus, in which I had been promised would be a paid and deletion letter. Where I am at fault is I never wrote down the name of the woman that gave me this promise.The account was updated to being paid on my credit report, however it was not deleted of my report as promised. I have been in contact with the company XXXX about this issue and I am not receiving a solution. Now the company is telling me " deleting accounts is against their company policy '' which conflict with the original promise of deletion. I spoke with a representative today that stated " We only delete accounts when it is our fault, and it is not our fault you didn't pay your bill. '' As rude and unnecessary as that comment was it holds some insight on the fact that the company does do deletions. I then spoke with a supervisor to try to get a better handle on the situation. I told supervisor XXXX that I was told the collection would be taken off of my credit and regardless of company policy, if people are being told that accounts are going to be taken off of their credit report and then it be false information that's negligence on the company 's part. XXXX then told me " We have offices all over the United States, and different departments " and therefore insinuating that because I do not know the name of the person I spoke to I do not have proof. I feel that this company needs to be investigated because if I received deceptive information to get me to pay a debt then I am sure there are others. I feel wronged that I paid almost XXXX dollars to get this account off my credit report and it is still on there. I am trying to buy a house for my family and this is preventing me from doing so. I went from having a XXXX to a XXXX credit score. It is the ONLY thing preventing me from purchasing a house. I feel so helpless in this situation and I am hoping something can be done not only for me, but others that have been lied to by this awful company. I am not only a single mother but an elementary school teacher in the city of XXXX, and I can't afford to have hire an attorney to help me.

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 2023-06-28
Company: Credit Karma, LLC
State: CA
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: Didn't receive services that were advertised

Complaint:
credit karma had guaranteed approval for loans credit etc and when Applied it would get denied causing me to take a bigger hit to my credit and making my credit worse

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: JPMORGAN CHASE & CO.
State: NM
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:
XXXX reassured me they wouldnt report me to the bureau if I paid my total amount due.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15
Company: INTERCONTINENTAL CAPITAL GROUP
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
From the beginning Intercontinental Capital Group ( ICG ) loan officeXXXX misrepresented, over promised and made false statements. I began the refinance process with ICG in XX/XX/2021. The loan XXXX was dishonest about the amount of out of pocket expenses I would have if I went with the lower interest rate. He stated I would only have to pay {$400.00} for an appraisal ; however, after receiving a quote there was an additional {$15000.00}. I was specific in my questions regarding upfront cost and the loan officer XXXX XXXX lied. A few weeks went by and XXXX continued to contact me apologizing and expressing interest in getting my business. I decided to give him an opportunity however I needed everything in writing. The amount of unprofessional, poor business practices and lack of integrity I received from the two of you Ive the past month equates to one of the worst business experiences Ive ever had. Before deciding to do business with ICG, XXXX flat out lied to me regarding about rates and my upfront cost. This should have been my first sign that this organization has shady business practices. XXXX was well aware of my current issues with my mortgage company as I explained this on multiple occasions before and after having my credit run and signing the application to move forward. XXXX, you were also well aware of these sand challenges as XXXX claims to have shared these with you but lord Importantly I not only shared the same info, provided written documentation, statements and other info. You both reassured me that there would be no issues moving forward and that ICG would refinance my loan. XXXX, you repeatedly dropped the ball and provided partial information and failed to properly review documents that I sent. Even in our last communication both you and XXXX chose to place blame on my mortage company instead of taking responsibility. XXXX my last conversation with you was a compete low. You said that you agreed with me and that XXXX had dropped the ball. You even went as far as to say you would ensure XXXX communicated with you directly to help move the process alone. The next communication from you is a cowardly email suggesting theres nothing else ICG could do to assist me and again placed blame on my mortgage company. This is flat out unprofessional and one of the worst business practices Ive ever experienced. This is extremely concerning and you both should be held accountable for the poor, unethical business practices. I cant imagine how many other customers you two have failed and lied to while throwing your hands up as if you dont have to be held accountable. If this is representative of ICG this is extremely unethical and in certain goes against the guidelines. The both of you should be ashamed. 


- XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: Experian Information Solutions Inc.
State: NJ
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 numerous accounts in my credit report that I do not recognize them

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 2023-02-06
Company: Bread Financial Holdings, Inc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I keep receiving multiple robo calls and voicemails a day from " spoofed '' phone numbers from " Comenity Bank '' See list below to see the XXXX calls made they made to me since XX/XX/23 ( the last XXXX weeks ) Comenity Bank Company Address : XXXX XXXX XXXX XXXX, OH XXXX or XXXX XXXX XXXX. XXXX. XXXX OH XXXX or XXXX I never gave consent for this company to call me. I have NO accounts or debts with this company and NEVER have. 
They are calling to look for a person " XXXX '' who is NOT ME This abusive and harassing calling behavior has negatively affected my work, because I get multiple calls per day. 
I block the numbers used, but they just spoof new numbers every day to call from. 
I have blocked unknown numbers from ringing on my phone, but it's caused me to miss important phone calls from my doctor. I have nearly missed appointments because of my need to block all unknown calls due to Comenity Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: EQUIFAX, INC.
State: TN
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:
There were numerous inquiries on my credit report that I did not recognize. They are here listed below : XXXX XXXX XX/XX/2022 XXXX Bank XXXX XX/XX/2022 XXXX 's XXXX  XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX Ive filled a police report for identity theft and mailed copies to all of the companies listed. No changes have reflected on my credit report and I was not the person who requested those inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09
Company: WELLS FARGO & COMPANY
State: CA
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:
Applied for a Wells Fargo Business Credit Card. Since the Card processing representative was not able to speak or understand my English, and their behavior over phone was not acceptable, I asked to close the application. 

They have send a letter stating " application is denied due to Amount of credit requested combined with existing debt is too high related to stated household income ) ''. 

Bank and its employees can not punish me for their inability to talk to a customer.

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 2023-07-17
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:
XXXX XXXX  was fraudulently open in my name in XX/XX/XXXX This occurred during the time of my identity being compromised. After discovery I contacted creditor to make aware of the fraud. I advised them of the identity theft. They then proceeded to close the card to prevent it from further use. At this time, I contacted the bureaus to have them aware of this. I put fraud alerts, froze my file, also contacted identity monitor along with filing law enforcement report, CFPB as well.I thought I was ok. Years passed, I realize its still reporting to my credit. XXXX BANK CARD DID NOT CLOSE MY ACCOUNT AS PER DISCUSSION, THEY CLOSED IT OFF AS A CHARGEOFF AS A BAD DEBT AS IF I WAS LIABLE FOR THESE CHARGES. THEY WERE AWARE OF FRAUD, ITS WHY THEY CLOSED CARD POST INITIAL INTERACTION. I AM COMPLAINING TO DISCOVER CARD AND XXXX, XXXX, EQUIFAX XXXX SHOULD HAVE REMOVED IT DUE TO FRAUD. SHOULD DELETE, THIS IS FRAUD! XXXX IS FALSELY REPORTING ON MY CREDIT, ILLEGALLY FRAUD!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have written to Capital One three times ( on two of my accounts # XXXX and # XXXX ) requesting proof that I was late and properly charged off. All they do is to write me and say that I was late. That is not sufficient proof. They should be providing copies of every monthly statement showing that I was in fact late ... just like they would have to do if they were going to Court to prove up their case.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: EQUIFAX, INC.
State: NC
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:
Upon reviewing my current credit report from your bureau, I came across the disputed account, and I don't think they are 100 % correct. Would you please UPDATE this account from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX Fraud I gave no consent and have no knowledge of this report. 

Capital One auto finance - XX/XX/XXXX Fraud I never tried to apply for an auto loan and gave no permission to run my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Fraud never applied for any card and no knowledge of running my credit. 

XXXX XXXX XX/XX/XXXX Fraud I gave no consent and have no knowledge of this report. 

XXXX XXXX XXXX XXXX Fraud again I never applied for any auto loan and had no knowledge of this report XXXX XXXX XXXX- XX/XX/XXXX Fraud I gave no consent and have no knowledge of this report XXXX  - XX/XX/XXXX Fraud I gave no consent and have no knowledge of this report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10
Company: Fay Servicing, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
FAY SERVICING RECENTLY ACQUIRED MY MORTGAGE FROM XXXX, I USE TO PAY {$2000.00} MONTHLY, I HAVE BEEN DELAYED ON MY PAYMENTS BUT ALREADY PAID IT IN FULL, NOW THE NEW MORTAGE LENDER IS ASKING FOR THE 3 MONTHS THAT ALREADY PAID AND INCREASED MY MONTHLY PAYMENT TO {$2500.00} WITH OUT EXPLAINATION OF THE INCREASE, I CONTACTED THE ACCOUNT MANAGER XXXX XXXX, HE RESPONDED BUT HAVE NOT ACTUALLY ANSWER VIA EMAIL MY INQUIRIES, I DONT WANT TO BE DELAYED ON MY PAYMENTS AGAIN, THNATS WHY I WANT THIS TO BE SETTLED AS SOON AS POSSIBLE

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27
Company: BMW Financial Services NA, LLC
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:
when checking my credit report there was some fraudulent accounts on my credit report I will like for these items to be removed asap!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Problem canceling credit monitoring or identify theft protection service

Complaint:
first and foremost I thank this company for keeping my information safe. The reason for my writing is to inform you that I wrote to this company on XXXX18 to request the removal of a fraud alert on my report. 

On seeing that they were not responding on my request. I even went a step further to call this company and they agreed to delete the Fraud alert only not to honor my request to date. 

I am attaching the request I sent them earlier as proof of my willingness to have this issue resolved. 

For yet another time please remove the fraud alert on my report as soon as possible.

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 2018-04-10
Company: WELLS FARGO & COMPANY
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX-XX/XX/2018 I responded to an add on XXXX for ( 2 ) wristbands to XXXX music festival. The seller let me know he or she had two wristbands still available for {$550.00} each. We then began negotiations on payments and arrangements moving forward. We agreed to use XXXX, a payment method through out banks. Not knowing much about it I trusted it since it was through my bank and if anything happened I could go to them to fix the problem. We agreed that I would send the first payment of {$550.00} in the beginning and the other {$550.00} once I had the wristbands. But throughout the day with threats of keeping my first payment and to not send the wristbands I eventually sent the rest of the money in two separate payments of {$350.00}, and another {$200.00} all through XXXX. Once the full amount was paid I stopped hearing from the seller and when I tried to call the cell phone had been disconnected. Know I had been scammed I contacted my bank to see if there was anything I could do or if I could even file a claim. After calling multiple times and talking to numerous employees they all said the same thing, since I willingly sent the money they can not do anything. Then they would go on to say to just alert the police and reiterate that there is nothing else they could do. I trusted the bank to have my back and they didnt.

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 2019-10-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: SC
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 am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-21
Company: Experian Information Solutions Inc.
State: FL
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:
Two paid medical accounts from 2015 were reported in error and the reporter, XXXX XXXX, agreed to fix asap and tell both CRAs, TXXXX & Experian, to delete the information. Instead, my credit monitoring services have repeatedly alerted me that my credit scores at XXXX and Experian have dropped dramatically as a result of this mis-information and is currently being reported. 

I disputed the information with Experian but XXXX XXXX online site will not let me dispute it. I called XXXX XXXX and had them fax me letters documenting the accounts were paid and that the information should be immediately deleted from both XXXX and Experian. The documentation from XXXX is attached. 

I want XXXX and Experian to delete the information immediately and update my scores.

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 2023-01-19
Company: DISCOVER BANK
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'm XXXX and I have never had a Discover card. I have repeatedly disputed this account and Discover keeps " verifying '' it. Additionally, Discover is not allowing me to opt-out of third party sharing. That's a violation of US privacy law. I want to opt out every way possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
These are these are Types of fraud. Identity fraud and identity theft. Identity theft is when your personal details are stolen and identity fraud is when those details are used to commit fraud. A-Z of fraud. Online fraud. Individual fraud. Corporate fraud. Advance fee fraud. What is fraud and cyber crime?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: Mr. Cooper Group Inc.
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I On XX/XX/XXXX, I noticed a notification of a document that I was prompted to review from my mortgage company, Mr. Cooper. I logged and found that a Escrow Analysis had been done and found that I was in deficit of {$10000.00} and my mortgage payment was going to increase from {$2800.00} to {$4900.00}. Needless to say, I called Mr. Cooper and they stated that I have an Escrow had a deficit and I have a new AV in the amount of {$17000.00}. This in my opinion could only be true had I done any major home construction improvements like add a bathroom, expand a kitchen, add a deck. I have done nothing. My home is a new construction and as the Tax Assessor explains that because it was a new construction and was under the reporting of the builder, my first year taxes did not include the home structure Assessed Value. So that's why there was a lump sum payment at the end of XXXX in the amount of {$10000.00}. 

Mr. Cooper is stating that they have reviewed the Tax Assessors website and looked up the property and have made an estimated assessment that my taxes will be at year end {$17000.00}. When in fact if you look at the tax assessors letter its clear that the estimated AV, based on XXXX interest rate because XXXX interest rate has not been distributed, will be {$11000.00}. The Tax Assessor explained that when the XXXX interest rate is distributed, it would never be in excess of thousands of dollars. 

My main complaint is that I believe that Mr. Cooper like many financial institutions are preying on people with FHA Loans that consistently pay their mortgage with ways to make more money on those accounts. I say that because Mr. Cooper representatives have been literally hounding me to refinance, I receive an insane amount of emails, phone calls and letters. They are promoting some FHA refinance package that allows people to refinance with no credit check, no downpayment. I understand that there are programs around like that for people who are in severe financial distress I am still employed so I though I struggle with balance, I am not in that place. 

I am reporting this complaint because practices like this do a couple of things : 1. Allow people to lower their payment who are not in need to do so and limits resources to people who may desperately need to lower their payment. 
2. Allows banking institutions like Mr. Cooper get away with financial bullying If I did not have the mental acuity to call the Tax Assessors office to get answers, I would believe the mortgage company and would probably be forced to sell my home or refinance which could ultimately be the cause to me losing my home since Mr. Cooper so strategically generates these scenarios.

Company response to consumer: Closed with explanation