BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-17
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
HRRG calls every day using their automated system even when monthly payments are being made.

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 2020-09-21
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello, I have a loan with PHH Mortgage that was transferred. I am in Covid-19 forbearance. They are reporting my account as 120+ days late to XXXX  and it's causing my credit score to go down. According to the cares act they shouldn't be doing this. Please help resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Transunion, XXXX reporting inaccurate information 15 USC 16815-2 ( A ) ( 1 ) ( E ) ( il ) : Rehabilitation of private education loans, this loan has completed the rehabilitation process, DELETE NOW

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 2023-06-05
Company: Experian Information Solutions Inc.
State: FL
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:
The following inquiries were not authorized by me. These fraudulent inquiries need to be removed as soon as possible. As a victim of my information being compromised in the XXXX breach, XXXX breach, Experian XXXX and the XXXX market, I need these to be 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 2020-09-21
Company: Experian Information Solutions Inc.
State: TX
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:
XXXX XXXX XXXX XXXX  continues to report on a closed account that has been paid in full.. And is still reporting this account on all 3 credit bureaus as delinquent every month. This account was paid through XXXX XXXX in the amount of {$66.00}. who I contacted and was told that XXXX XXXX needs to stop reporting to the 3 credit bureaus. and update paid in full. I contacted XXXX XXXX and the customer service told me there is nothing she can do, I need to contact XXXX, I feel that I am been lead around in circles..

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 2023-07-10
Company: Experian Information Solutions Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX ( XXXX ) XXXX XXXX ( EXPERIAN XXXX XXXX XXXX XXXX XXXX ( EXPERIAN ) XXXX XXXX ( EXPERIAN ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, EXPERIAN ) THE ABOVE ACCOUNT KEEP BEING REPORTED ON MY CREDIT REPORT AND I HAVE NO KNOWLEDGE OF THESE ACCOUNTS. I HAVE BEEN A VICTIM OF IDENTITY THEFT IN XXXX AND XXXX AND HAVE NOT OPENED THESE ACCOUNTS. 

I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, ENGELHARDT V. GRAVENS ( MO ) 281 SW 715, 719, I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS. 
I HAVE TRIED CALLING AND DISPUTING DIRECTLY WITH EXPERIAN AND XXXX AND XXXX. PLEASE REMOVE THESE DISCREPANCIES.

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 2022-08-08
Company: EQUIFAX, INC.
State: DE
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:
I have requested that ALL collection accounts on my credit report including 2 late payments be removed from my report as these were illegally reported and furnished without my consent under 15 USC 1681 A number 3. They have also violated my right to privacy under 15 USC A number 4. I have been given constant run around after numerous attempts to have these accounts removed and never furnished again without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21
Company: SYNCHRONY FINANCIAL
State: WA
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:
On XX/XX/2020 I called JC penny to pay off the balance of {$71.00}. I notified them I lost my job due to COVID-19 and that I was waiting for my unemployment check to arrive. I told JCpenny the financial hardship and I couldnt afford to keep the account open. 
I recieved a letter from synchrony bank that is somehow affiliated with Jcpennys credit  system stating they just now closed my account as of XXXX XXXX because synchrony bank ran my credit and determined my credit wasnt worthy, had my credit score on the letter. I payed my balance off with jc penny and had no intention to use this card any longer on XX/XX/2020 due to covid. They ran my credit without permission.

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 2017-12-18
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My complaint is that Wells Fargo acquired my loan from XXXX XXXX in XXXX and Wells Fargo is trying to foreclose on my property with fraudulent documents. I notified Wells Fargo about my husbands signature being forged on the non borrowing spouse signature page and that the page was also notarized. I requested a copy of my original note and Wells Fargo sent me a copy stamped that the documents were certified to be copies of the original and I discovered the forgery. I have yet to receive a response from Wells Fargo. My understanding is that its against the law to foreclose on a property with fraudulent documents. I had to file chapter XXXX in order to stop the foreclosure. I have a statement from several Wells Fargo stating that my loan was handled correctly. I have proof that that 's not the case. I requested that Wells Fargo supply me with the notaries log page that should have my husbands drivers license number, thumb print and signature. I have yet to receive that also. Wells Fargo is suppose to make sure all documents are in order and correct before foreclosing and they did n't. Wells Fargo has already been fined for robo-signing and it looks like they are still doing it. I tried to work things out with Wells Fargo by requesting a loan modification and also asking for a settlement payoff amount. I have someone that was willing to pay Wells Fargo cash to payoff my loan and become my new lender. Wells Fargo needs to rectify this problem that I am having with.

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 2020-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is a fraudulent account on my credit report that has become egregious and is not mine. I do not know who used my name or how this came to be a debit of mine. It is a auto lease debt from XXXX XXXX. I cant say this more emphatically, I have never had a XXXX XXXX account in my life and could you please remove this immediately. Also, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. There is no such document because this isn't my debt so please remove ASAP.

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 2017-12-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XXXX XXXX, XXXX I opened a regular savings account with Bank of America. I asked what the minimum dollar amount was to avoid any fees. I was told it was {$300.00}. So I opened the account for {$300.00}. On XXXX/XXXX/XXXX, I received a statement with fees of {$5.00} each for XXXX, XXXX, XXXX, totaling {$15.00}. When I went to the bank on XXXX, I was told the reason I was charged fees was because the minimum for savings accounts increased from {$300.00} to {$500.00}. I never received a letter or email stating this. I closed my account and took the amount XXXX {$280.00} XXXX left after fees.

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 2023-10-06
Company: APPLE RECOVERY SERVICES CORP
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Today, XX/XX/2023, I received a call followed by a message ( Attached ) from a person called XXXX XXXX, who said there was a matter in his office that required my immediate attention and left his phone number and extension. I called him back, and he told me that I was in a recorded line and claimed that I had a XXXX  XXXX  back between XXXX ; I owed money to the card and had to pay a balance of {$5600.00}. He threatened to report the issue to the Credit Bureau and take me to court if I didn't pay. I asked him to send me all the XXXX XXXX documents, records, and transactions that prove his claims and his company 's claims. 

The documents I asked him to send me are : 1. Documents to prove the XXXX XXXX is mine. ( By the way, I don't have a XXXX XXXX ) 2. Documents to prove transactions with the amount he claimed and also show my signature. 

He sent me an email ( Attached ) without the required documents and transactions I asked him for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: EdFinancial Services
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Per the investigation by CFPB, the lender indicated that there was no record of my account, so please delete Ed Financial from all three of my credit bureaus. My credit score plunged XXXX points due to this error. Please help me... .the previous complaint number is : XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2022-02-17
Company: EQUIFAX, INC.
State: SC
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:
On XX/XX/2022, I filed a dispute for the inaccuracy of these accounts and submitted it to XXXX, Equifax, XXXX, and the company itself, but no one has responded. XX/XX/2022, I filed a Validation of Debt to the XXXX 's but still no response coming from them and refused to remove these inaccuracy items from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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 contacted Capital One on several occasions via letters XX/XX/XXXX & XX/XX/XXXX and - most recently calling on XX/XX/XXXX and XX/XX/XXXX regarding a late payment reporting differently at different credit bureaus. On my XXXX report I go from making on time payments one month, to immediately being 60 days late the next month ( XX/XX/XXXX ). You can not go from on time in XX/XX/XXXX to 60 days late in XX/XX/XXXX in a one month period. This one error of showing 60 days late has dropped my credit score by 100 points. On my XXXX report I go from making on time payments one month, to being 30 days late ( XX/XX/XXXX ). Both can not be correct. I can not be 60 days late on XX/XX/XXXX at XXXX and 30 days late at the same time on XX/XX/XXXX at XXXX and XXXX. The 60 days late alone at XXXX  has caused my score to drop tremendously. I would like these late entries deleted from all 3 credit bureaus and to report on time payment for the month of XX/XX/XXXX. I have been a happy customer at Capital One until this one issue. I have paid my balance to down to XXXX. I have a right to have Capital One report accurate information. I would like the late payment deleted all together from all 3 credit bureaus for the month of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21
Company: FC HoldCo LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I called the company to make a payment, which included late fees. 
The late fees were not removed and I was billed for the again. {$280.00}. 
I have since made an additional payment for the regular loan payment amount. I am billed again for the late fees which have already been paid.

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 2022-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I've talked to the bank & they've agreed to update the account. BUT TransUnion has some internal block which they're claiming they can use to not update the account because they feel they're above the law. When questioned why they're not accepting the dispute letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the dispute letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy ... as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at TransUnion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I have always made my payments on time. Ive contacted the bank about the issue & they continue to fail to provide me with verifiable proof. Ive disputed it with all three ( 3 ) credit reporting agencies & they too are withholding any verifiable proof. I believe their records are wrong & Id like this matter handled ASAP. Please update to paid as agreed/never late. 
XXXX XXXX  XXXX Date Opened : XX/XX/2007 Balance : {$0.00}

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 2023-06-05
Company: Experian Information Solutions 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 am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2023-09-09
Company: Conn's, Inc.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
submitting a complaint with the CFPB To Investigate outstanding accounts with conns and past accts. I have added the account information below to the Conn installment loan I am inquiring about *CONN APPLIANCES INC account # XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have made several phone calls to the fraud dept concerning this issue. I have also sent in dispute letters to verify and validate. I haven't received a response from either party.

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 2019-04-14
Company: Synovus Bank
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I applied for a secured card with XXXX XXXX. They charged me {$300.00}, and I never received the card. Now my bank says someone is trying to access my account and I need a new bank debit card. I called XXXX XXXX at XXXX in the afternoon and the voicemail says the service center is closed. I cant log on online.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07
Company: Navient Solutions, LLC.
State: WV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I continuously made regular monthly payments for years, until I experienced financial difficulties due to enexpected divorce which resulted in relocation and employment change. 

The lender provided options to defer loan payments multiple times, but failed to inform me that interest would continue to build upon the principal. 

When it was time to begin making payments again, I found the principal had more than doubled. 

I've attempted to resolve this matter with the lender with no success and it's become impossible for me to repay the current outstanding amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: Experian Information Solutions Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It's ridiculous because I have always paid this account on time and have never been late.

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 2023-07-10
Company: Experian Information Solutions Inc.
State: VA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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