BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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 was shocked when I reviewed my credit report and found late payment on the dates below : XXXX  XXXX - XXXX XXXX XXXX XXXX XX/XX/2018 XXXX - XXXX XXXX - - XXXX XX/XX/2018 XXXX XXXX - For XXXX  only XXXX XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-01
Company: The CBE Group, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX are reporting on a XXXX XXXX debt on my collection report. A different agency by the name of CBE Group are now reporting the same debt as well. This debt is for XXXX XXXX XXXX. I 've spoken with a rep with CBE Group the first week of XX/XX/XXXX and paid {$87.00} owed for services, the remaining balane of {$170.00} I advised her I did not owe because I had already returned the service equipment. I am no longer liable for the debt with CBE Group or XXXX XXXX, and under no circumstances should two collection agencies be reporting on the same debt.

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 2020-08-25
Company: Experian Information Solutions Inc.
State: VA
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:
Experian tried to extort monthly fees for services that are free. When I cancelled my account with them they unlocked my credit report. When I called to freeze my report via phone they refused to do so three times. I had to make four phone calls to get a person to freeze my account and now Experian continues to send me numerous unsolicited email and text daily to try to get me to give them my credit card force me to pay to continue their services that are free as described above.

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 2022-08-25
Company: EQUIFAX, INC.
State: MS
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 has violated my rights. 15 U.S.C 1681 Section 602 A States I have the right to privacy. 15 U. S. C section 604 A section 2. It also states a consumer reporting agency can not furnish a count with our written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30
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: Account status incorrect

Complaint:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS A FEW LATE PAYMENTS REPORT ON MY XXXX XXXX XXXX XXXX and XXXX  XXXX XXXX ACCOUNT. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS.

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 2021-11-29
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:
I am not an attorney or a third party. I am filing a complaint on my own behalf because it is my legal RIGHT to do so. I recently found a company that I do not recognize on my credit file from XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXXXXXX # XXXX. I am requesting that this account be deleted for the failure of proper notification. I can not find any legal document that states XXXX XXXX XXXX XXXX is an entity that can legally enforce a claim upon my person. I believe this to be an error as well as a HIPPA Act violation too!

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 2017-08-01
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I applied and was approved for a Home Depot credit card through Citi on X/XX/2017. The credit limit was {$8000.00}. Within 3 hours of being approved, I called Home Depot and cancelled the credit card. When I applied for the credit card, a credit check through the CRAs was conducted - which was fine - but a month later I got a notification that it hit my credit report as an open account. The initial credit check for purposes of checking my credit worthiness was fine, but it should not have hit my credit report a month later as an open account.

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 2020-08-31
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: Account status incorrect

Complaint:
On XX/XX/2020, XXXX XXXX representing XXXX XXXX   XXXX, XXXX accepted {$1000.00} as settlement paid in full in reference to a debt from XXXX. On XX/XX/XXXX my credit report stated a derogatory account with a new balance showing? Thats not our agreement and I have it in writing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-25
Company: MiraMed Revenue Group LLC
State: IL
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 a loan with MIRAMEDRG ( Original Creditor : XXXX XXXX XXXX XXXX ) and MIRAMEDRG ( Original Creditor : XXXX XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, MIRAMEDRG ( Original Creditor : XXXX XXXX XXXX XXXX ) and MIRAMEDRG ( Original Creditor : XXXX XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: Receivables Performance Management, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Collection Account was added to my credit report and I have not received any writtten notification, which violates my right to dispute and request debt be validated.

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 2020-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I have sent TransUnion 2 certified letters requesting them to look into a couple items I wanted to dispute on my credit report. They received my letter and I have never received an update or any information on what is going on with it. The other 2 reporting agencies closed the disputes out because I was able to prove it wasnt mine! And now the company Im disputing through TransUnion just hit up my credit report again!! I sent the certified mail documents to TransUnion XX/XX/XXXX and they are still allowing the company I am disputing to make a hit on my credit report?! Thank XXXX XXXX and XXXX was on it. I mailed my disputes to all 3 companies the same day and the other 2 companies took care of it immediately. Why should I have to wait forever for TransUnion to get their XXXX together and fix it?!?! No one ever answers the phone either! I have a call log of all the times Ive tried! And I have proof of the certified mail 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 2020-08-25
Company: ATG Credit, LLC
State: IL
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 a loan with XXXX/XXXX, ATG CREDIT ( Original Creditor : XXXX XXXX XXXX XXXX  ), and XXXX ( Original Creditor : XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX/XXXX, ATG CREDIT ( Original Creditor : XXXX XXXX XXXX XXXX  ), and XXXX ( Original Creditor : XXXX XXXX ) with no successful resolution. There was definitely an error on their part.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23
Company: EQUIFAX, INC.
State: DC
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 writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal trade commissions identity theft affidavit. I would be grateful if these fraudulent items are removed as soon as possible as it is hindering me very much so. I am unable to move forward with life so that I may provide for my wife and children.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
ACCOUNT PAID IN FULL Navient your Federal Family Education Loan Program ( FFLEP ) Federal Comsoldation Loan Application and Promissory Note loans do not match what is in the NSLD/FinAid account amounts. The NSLD original amount of loans come to {$33000.00}. I have 3 receipts that reduce that amount. The First : The XXXX loan you listed as paid for in consolidated was not for {$2800.00} the loan is in default. The Second receipt the loan for {$5500.00} was reduced by {$2100.00} money return to lender XXXX XXXX XXXX = {$3300.00}. The third the loan for {$4500.00} was reduced by the school to {$2000.00} and then returned in the amount of {$2000.00}. The amounts of $ XXXX $ XXXX {$10000.00}. Then this amount was subtracted from the original amount in the NSLD of {$33000.00} - $ XXXX {$22000.00}. Then the original amount was subtracted from XXXX XXXX amount of {$49000.00} = {$27.00}, XXXX the exceed balance. The $ XXXX $ XXXX {$4400.00}. The Borrower Certification and Authorization form page 4 state exceed money amounts must pay off the balance of the loan then the rest of the money goes back to the lender XXXX XXXX. 
Documents sent : Loans in the NSLD/FinAid 3 receipts two from school return money to XXXX XXXX Page 4 Borrower Certification and Authorization were state what do with excess money ( E ) XXXX loan not paid nor consolidated and in default

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: Ocwen Financial Corporation
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/XXXX we submitted a full short sale package. No one answers the phone at the servicer. On XX/XX/XXXX we finally got through someone who said the package was received on XX/XX/XXXX, however, the file wasn't assigned or reviewed. It is our understanding that when a package is confirmed RECEIVED the servicer has 5 days to respond to us to let us know what is missing. It has been almost a month XXXX Loss mitigation procedures. 

We are filing a complaint because the servicer received a loss mitigation application request on XX/XX/2020. They are currently in violation of 1024.41 ( b ) ( 2 ) ( i ) - Notify the borrower in writing within 5 days ( excluding legal public holidays, Saturdays, and Sundays ) after receiving the loss mitigation application that the servicer acknowledges receipt of the loss mitigation application and that the servicer has determined that the loss mitigation application is either complete or incomplete. If a loss mitigation application is incomplete, the notice shall state the additional documents and information the borrower must submit to make the loss mitigation application complete and the applicable date pursuant to paragraph ( b ) ( 2 ) ( ii ) of this section. The notice to the borrower shall include a statement that the borrower should consider contacting servicers of any other mortgage loans secured by the same property to discuss available loss mitigation options. 

As of todays date the servicer has not stated in writing whether the application is complete, incomplete or stated whether and or what additional documents are needed to complete the application.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: COAST PROFESSIONAL INC
State: UT
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Coast Professional again has sent a letter dated XX/XX/2020 demanding an alleged debt to be paid. I have filed several complaints with the CFPB and XXXX, requesting Coast Professional contact the XXXX XXXX police department to get more detailed information as the debt they are claiming is a direct result of identity theft and fraud. XXXX XXXX XXXX college failed to contact the local police department as well, as I never received any form of payments nor requested funds from XXXX. If there was any debt in my name it was due to fraud. I have sent Coast professional police reports to understand the situation I gone through. I am seeking immediate cease and desist of all contact and removal of this debt from my name. If you haven't completed a detailed investigation by contacting the police department retrieving police reports then you as a company haven't done your job under the FDCPA. This is a willful and direct violation. Im attaching another detailed report that list accounts compromised and stolen and used without my permission. MARKING THIS COMPLAINT AS AN DUPLICATE and ignoring your duty as a debt collector, I will seek damages in THIRD DISTRICT COURT!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: REGIONS FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
A payment was processed by accident that was going to overdraw the account. I sent messages to the vendor, to the transaction company, and to the bank to prevent the transfer, but all three dragged their feet and, 3 days after I requested the transfer be stopped, my account was charged. I continued correspondence with all three entities to reverse the transaction over the next two weeks, over which time the charges were rejected and then re-submitted 3 more times, all while I was begging for any opportunity to fix the issue. Regions did nothing but blame me as they purposefully allowed this transaction to post over and over until they had extracted more than {$100.00} in overdraft fees, the last of which occurred days after I had confirmed the payment was refunded in my correspondence with both the vendor and the transaction service. We should not incentivize banks to parasitize the working classes.

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 2020-05-12
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08
Company: BARCLAYS BANK DELAWARE
State: VA
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:
To whom it may concern, I applied for a Barclays credit card with XXXX rewards this past month. I got a letter stating that I was not approved due to Unsecured revolving credit history short. 
At the time of my request I had a credit score of XXXX per their rejecting letter which I am attaching to my complaint. 
I feel at this time they are not giving me this card due to the fact my last name is XXXX and I am a female. 

Can you please look into this matter for me as I have a credit history with a good score so there should had been no reason to not approve me. 

Thank you, XXXX XXXX Application number is 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 2017-08-01
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: Account information incorrect

Complaint:
I am filing a complaint with your company due to the false reporting of invalid information and credit reporting errors. The accounts listed below are charge off accounts. I have sent in proof multiple times with your company stating that they have been updated and corrected. In a charge-off as you are aware, the company writes off the debt and then the balance is XXXX. You clearly show here that the accounts have not been updated and are still reporting false information. I also have highlighted them in the attached credit report. You are in violation of the FCRA and need to address this XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$5400.00} XX/XX/XXXX {$5400.00} CHARGE-OFF {$2500.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$4900.00} XX/XX/XXXX {$4900.00} CHARGE-OFF {$2300.00} XXXX XXXX XXXX XX/XX/XXXX {$7000.00} XX/XX/XXXX {$7000.00} CHARGE-OFF {$6000.00} XXXX XXXX XX/XX/XXXX {$6100.00} XX/XX/XXXX {$6100.00} CHARGE-OFF {$5100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2020, I sent a letter to a company shown on all three of my accounts as " XXXX XXXX ''. ( Since that time, oddly enough, both XXXX   and TransUnion have changed the name on the account to " XXXX XXXX '' who I believe is the original Creditor. ) I copied XXXX XXXX, and TransUnion in this letter. I requested verification and validation of this debt. I sent this letter to all of the above parties via USPS, as well as email. I have not heard one word from XXXX XXXX or XXXX XXXX since that time nor have I been sent any documentation that would prove this debt belongs to me. That has not however stopped any of the three agencies from listing this item on my credit account. 

On XX/XX/2020, I received my Dispute Results from XXXX who verified the information as accurate. In my credit reports from Trans Union and XXXX, these accounts were listed under " XXXX XXXX '' and on both credit reports, the account was said to be verified as of XX/XX/2020, the date of both reports.

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 2020-12-12
Company: Experian Information Solutions Inc.
State: TN
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:
AFTER GIVING THE CREDIT REPORTING COMPANY THE POLICE REPORT THEY STILL REFUSE TO REMOVE THESE ACCOUNTS FROM MY CREDIT FILES

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