BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
After discovering this debt with Capital One XXXX that did not belong to me. I began years ago asking for validation, send the police reports even attempting to negotiate a settlement to remove this fraudulent accounts. The company refused to validate or provided provide an opportunity to resolve the debts. I have contacted them by mail and phone, my certificate letters asking for validation of the debts and proof had been ignored, they have given me no options to resolve since this debt does not even belong to me and have after my recent attempt to work with them to get removed this debts removed since is not mine. They update this old debt to my report with wrongful identity information which caused my XXXX  score to decrease. I have exhausted all efforts to work with this company to resolve the issue with this debts being reported which does not belong to me, they refuse being reported which does not belong to me, they refuse to effectively communicate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have recently been foreclosed on through Ocwen. This is adversely affecting my credit and I would like to have it removed from all my credit bureau reports. I have sold the home with a wrap around mortgage, I relocated and was paying rent at a new apartment. after some time the person I had that purchased my home then rented the home to another person without my knowledge. They both stopped paying the mortgage and this put me behind. I tried to contact my buyer and was unable to get in touch with him with no luck. after I was able to get in contact with my buyer he told me the tenant was not paying. I also found out that the buyer had not paid taxes as he was supposed to on the home and had taken out additional loans against the property to pay the taxes. I tried to work with the buyer and the new tenant to get them to purchase the home. after about 8 months and them not paying me any money I tried to have them removed from the home. the court would not allow this and I was stuck with a buyer that I could not remove and a tenant that would not leave the property. after some time Ocwen foreclosed on the property and it still took a couple of months for them to even remove the tenant who at this point was basically squatting in the home. I would like to request that the foreclosure be removed from my credit reports as this has caused a great deal of stress and issues for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX Balance : {$3600.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$6400.00} ; XXXX XXXX XXXX Balance : {$38000.00} ; XXXX XX/XX/2023.

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 2022-08-10
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: Account information incorrect

Complaint:
Exifax did not follow reasonable procedures in reporting my credit as they did not receive my consent to putting this information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with overdraft
Sub-issue: Overdraft charges

Complaint:
Bank of America added {$780.00} credit on XX/XX/XXXX and didn't leave the post saying there was {$780.00} credit and using XXXX {$770.00} purchase saying I owe for the XXXX purchase even though the XXXX purchase was done on XX/XX/XXXX. They changed the transaction dates and missing the {$780.00} credit saying I overdrafted instead.

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 2019-10-27
Company: JOHN GIBSON AUTO SALES, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My husband and I purchased a truck and camper trailer from John Gibson Auto sales in XXXX AR. My husband was laid off work a few months later and we were unable to make the payments. The truck and camper were repossessed. On XX/XX/XXXX I called John Gibson Auto and asked if they would be willing to settle up our debt with less than full balance and report as such to the credit bureaus. They were willing to work it out with us. The same day I paid the amount we settled on with my debit card over the phone. I received the receipt and letter stating the agreement. I went to our local bank to obtain a loan in XX/XX/XXXX the debt was still showing in our credit. I spoke with John Gibson auto at that time, they agreed to fix the problem. I found it was not correct again on my credit and filled a dispute with XXXX. Again in XX/XX/XXXX we find the same information on our credit report. I reached out to John Gibson Auto again they said the issue had already resolved. XX/XX/XXXX issue is found again on credit report. I have spoke with John Gibson Auto, ( XXXX XXXX ) she said the issue was being resolved. XX/XX/XXXX I received a alert from XXXX XXXX telling me I had a missed payment on my account with XXXX XXXX XXXX which is the finance Co used by John Gibson Auto they are a buy here pay here auto sales. John Gibson and XXXX XXXX are both listed on my credit and only XXXX XXXX on my husbands credit. I spoke with XXXX on XX/XX/XXXX so the issues could be disputed once again. I called John Gibson Auto on XX/XX/XXXX and was told nobody was in the office to take my call I should call back on Monday.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
XXXX XXXX is not reporting my mortgage to the credit reporting companies. Mortgage co now states because I filed bankruptcy back in XXXX and did not claim my mortgage to not be a part of the bankruptcy, is why they do not report my mortgage. however, i am attached proof of my property being exempt from the bankruptcy. in addition to the proof from being exempt, I also have a letter from XXXX stating this was their mistake and they are correcting it and going to start reporting it to the credit bureaus

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 2023-07-06
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2019-10-27
Company: Specialized Loan Servicing Holdings LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/XXXX I paid the last payment of the loan. On or about XX/XX/XXXX I received another statement that read that I owed {$8.00} because the payment received was not deposited before or on XX/XX/XXXX therefore interest owed was {$8.00} which was due XX/XX/XXXX. I paid the requested amount of {$8.00} on XX/XX/XXXX. The loan Co. did placed the payment for XX/XX/XXXX and did not credited it for XX/XX/XXXX. The Company has now billed me for XXXX, XXXX, XXXX for last charges of {$34.00} and it has increased to over 69.. In addition to those chargesI have being charged {$220.00} for recording fees. All of the charges combined are {$290.00} and they are growing. They have not cooperated, they wrongfully and correctly placed information on my Credit report. I spoke with five or more representatives of Specialized Loan Servicing with no positive results. The recording fees are the highest I have seen and in my opinion are a form of retaliation for my lack of knowlegde about not requesting a Pay Off amount. The Rep. Said that was my only oversight and that she sees not last payments and no balance to accrue late fees. I would like my Credit Report CORRECTED and A LETTER OF THAT THE DEBT HAS BEEN PAID IN FULL. THIS IS THE SECOND TIME I HAVE HAD TO FILLED A COMPLAINT AGAINST THIS COMPANY FOR THEIR INPUTTING ERRORS. PLEASE CHECK.

I have an complaint # XXXX-XXXX, filed on XX/XX/XXXX. I WAS UNABLE TO UPLOAD DOCUMENTS TO SUPPORTS MY COMPLAINT THAT THE REASON FOR THE SECOND COMPLAINT. THE COMPANY KEEPS SENDING LATE FEES BILLS. MY DOCUMENTS WILL PROVE I HAVE PAID IN FULL.

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 2020-12-17
Company: Comerica
State: NJ
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I made 2 purchases on my Direct Express account on XX/XX/2020 & never received the merchandise. Three weeks ago I mailed in the dispute forms & was told 3 days ago they were received but no action was taken. I've been calling Direct Express for 3 days & have been put on 1.5 hour hold times. This is exceptionally frustrating that Direct Express is operating in this manner.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
These items are inaccurate and are injurious to my credit rating. 
The following inquires were never authorized : XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX - XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX 
( XXXX ) XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX TRANSUNION- XXXX XXXXXXXX XXXX Inquiry : XX/XX/XXXX This is inaccurate reporting and damaging my credit report. 

within the Fair credit reporting act as a consumer my rights have been breached which are supposed to be protected by the Fair credit reporting act. my privacy and confidentiality is at stake because of this false reporting.

under 15 U.S.C 1681 section 602 A.

according to this section my rights of privacy are recognized.

under 15 U.S.C 1681 Section 604 A Section 2 : this section states that a consumer reporting agency can not furnish an account or item without the consumers written instruction. 
None of those agencies mentioned within this complaint never had any instructions from me nor XXXX or Transunion. 

15 U.S.C 1681B- Section A under section A this states that the consumer must provide authorization form the agency to provide such report.

I never authorized None of those agencies mentioned within this complaint nor XXXX or Transunion to make such reports. 


15 U.S.C 1681s-2 responsibilities of furnishers of information to consumer reporting agency. 
( a ) duty of furnishers of information to provide accurate information. 

inaccurate information is being reported by agencies mentioned within this complaint and XXXX and Transunion. 


I NEED THESE INQURIES 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 2022-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX Section XXXX A. XXXX I have a right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2021-08-10
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I just check my credit through XXXX  's website and i noticed a fraudulent account on my credit report along with a bunch of unauthorized credit inquires. Before reaching out to XXXX, equifax and XXXX, i took the time to reach out to each and every company that the fraudulent account and credit inquires was submitted. I did not do business with such company. I always get email from experian stating that my information was on the dark web. I was also affected by the equifax breach. I have attached the identity theft report along with my social and drivers license. i asking that these accounts be blocked and deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Opened business credit card account with Citizens bank ( all of my banking and mortgage are with them, so I accepted when representative offered me business credit card ). I always make my monthly payments on time and have XXXX XXXXXXXX app on my phone because I like to keep my credit perfect. I always check the app monthly and app shows my " card '' ending in XXXX balance is XXXX. I received a statement from Citizens for a bill of almost XXXX $ for acct ending in XXXX. I did not recognize account XXXX, i do not have a card ending in XXXX. I surely did not spend XXXX $ and I pay my account off every single month. I called Citizens credit card department and was told that XXXX is the revolving account and XXXX is just my personal card for that account, and that the card resets every month?!?!? I have no idea what they are talking about and I have never heard about this before. I have never received a bill for this XXXX $ before and now they said they reported my credit twice!!! I feel that I was misled into this card, the {$1000.00} in fees they added to the account and the credit reporting.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-19
Company: CITIBANK, N.A.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Police reports and FTC report already submitted listing the original creditor , company claimed law enforcement agency reports were not valid unless the collections agency was listed as a separate entry. District Attorney & personal counsel have advised that the companies claim is false, my documentation of ID Theft & fraudulent charges is correct and valid, thus advised to resubmit.

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 2021-05-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Good Afternoon. I am reaching out because I would like to get my Capital One 360 account reopened. It was restricted back in 2017 and hasn't been reopened. I was accused of writing fraudulent checks and the rep stated that my handwriting matched something, which I know wasn't true because my signature changes so much. Not to mention that myself and my husband were victims of fraud. We do have police reports to prove this and this account fell victim to a lot of fraudulent activity. I would like to have this account reopened or a new one reopened. I would like someone to reach out to me to help me with this process or tell me what I need to do. I have since established an amazing relationship with Capital One and I would like to add on to it business wise and personal wise. I do have an amazing relationship with a local bank, but Capital One offers more flexibility. I see that there is a balance on there which I am willing to pay asap, but no one has ever told me what I needed to do or if it was even possible. I feel like the rep was close minded and didn't care that I was a victim of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I would like to file a complaint ( the XXXX time ) with Nationstar in regard to the MIP refund. We had received the resolution letter on XX/XX/2015 from our first case # XXXX and Nationstar promised me they would send us the MIP refund once FHA sent the money back to them first ( the refund had to go through the mortgage company first ). I called FHA XXXX to verify and they told me that the refund was submitted to Nationstar on XX/XX/2015. However, when I called Nationstar, they claimed that they still have n't received the refund from FHA yet as of XX/XX/2015. Could you please assist? This issue has been up for XXXX months and I 'm really hoping to get this resolved ASAP. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In Accordance with the Fair Credit Act, XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX, XXXX # XXXX, 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 states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am a victim of identity theft

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 2021-09-24
Company: Waypoint Resource Group, LLC
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
The collection/charge off is a debt from XXXX XXXX  original collection/charge off amount XXXX ( XXXX  ). The repeated collection charge off is for XXXX ( waypoint ). Both are from ( XXXX )! Also I can provide proof of statement from XXXX XXXX that during the pandemic any and all customers of XXXX receiving internet services will not be shut off and will not close customers account throughout the entire pandemic process! Which clearly this collection charge occurred. I owed {$99.00} or less! XXXX is in error stating I have their equipment which I returned when closed account took place! What can I or should I do to address this situation?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX **** XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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

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