BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On my credit report I noticed 2 delinquent, and then derogatory, credit card accounts for 2 different XXXX XXXX stores in IL and SD. I live in Colorado and have never shopped at a XXXX XXXX. The cards were issued by 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 2015-04-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I am having a permanent hard ship due to now only working part time and have not been able to afford the payments due to paying for food, utilities and mortgage, also I have a XXXX year old daughter and have to pay XXXX a month in day care. Due to numerous calls every day to the point of harassment causing me extreme stress, my daughters uncle offered to help me by loaning me the money to try to settle the debt. On XXXX XXXX 2015 I called and gave permission for them to discuss the matter with him they were not willing to consider the settlement we offered they only wanted full payment even with my permanent hardship. On XXXX XXXX 2015 we tried calling to work it out again and were told they settle accounts similar to mine but I do not qualify, when asked for the reason that others qualify and I do not even with a permanent hardship they refused to answer that question and would only say I do not. When asked to speak to someone that can explain the difference the capital one employee refused to transfer me and then said no one in capital one can approve a settlement not even the ceo.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THAT THERE ARE MULTIPLE ACCOUNTS APPEARING ON MY FILE THAT ARE SHOWING LATE PAYMENT HISTORY. THE ACCOUNTS LISTED BELOW UNDER, ACCOUNTS TO AMEND, WERE NEVER LATE. 

ACCOUNTS TO BE AMENDED : XXXX XXXX XXXX XXXX XXXX, # XXXX / XXXX XXXX XXXX XXXX, # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I approached my lender on XX/XX/2021 for options that are available to me instead of foreclosure. My lender is XXXX XXXX with PHH as their servicer. 
I have contacted HUD agency and I am working with an approved HUD counseling agent. 
I explained my situation to my counselor and give her all the contact info of the lender. The counselor contacted the lender today XXXX and asked them for 60 days extension so I am able to sell my house with a real estate agent instead of foreclosure. They denied the request and told the counselor that they will proceeded with the foreclosure sale date on XXXX at XXXX : XXXX  even though there is a moratorium in place till end of the XX/XX/2021. 
In addition I asked the lender for forbearance, modification package, balloon payment or any other options, but they have refused to offer me any. 
I appreciate any assistance that CFPB can offer.

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 2019-03-20
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Midland credit management inc. is saying that I owe XXXX for XXXX Bank and I never used this company before. They sent me a letter stating that I will be subpoenaed on XX/XX/2019.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-20
Company: EQUIFAX, INC.
State: OH
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 Account # XXXX was opened onXX/XX/XXXX The account was disconnected on XX/XX/XXXX. The account balance was paid in full. The customer service representative promised that the security deposit will be refunded after receipt of Box-Set Top Box and Router. The Box-Set Top Box and Router were packed and dropped off on XX/XX/XXXX and the XXXX office issued a drop-off receipt. XXXX never refunded the security ; however, I received another bill for {$60.00} for unexplained reason. In response to repeated calls to the different departments, an adjustment to the account was finally made on XX/XX/XXXX and {$59.00} credit was issued but the account was reported as delinquent to the credit agencies ( XXXX XXXX and Equifax ) in XX/XX/XXXX. I made multiple attempts to reach XXXX offices in XXXX, TX ( XXXX XXXX ) and at XXXX XXXX, MO ( XXXX XXXX ) but no one attended to the calls. I have excellent credit history but need assistance from your agency to avoid exploitation and unnecessary harassment of consumers like me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-20
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/2019 I applied for an Access Account ( checking account ) with Citibank via online. I provided all the necessary information correctly. I was then prompted with a message stating I would hear from them by mail within 5 business days. Five business days approached I called them and was informed that they sent something out but that was all the information they could provide. Upon that still got nothing and so I called again once 9 days had passed. On XX/XX/XXXX a representative had me confirm my address and informed the UNIT number was missing so that was the error. Despite this I have a screenshot of the completed application which shows I put my unit number. The representative then tells me I will need to go in the branch and apply again. For a checking account. This is not credit - there should not be this discrepancy or what appears to be action in bad faith with personal information. I provided my information as services stated and they did not do the same. I met all requirements as advertised for a checking account with Citibank. Each time over the phone verified my identity. I should not have to render my information again. They need to provide a clear, accurate result. I believe there are biases here and this to be of discriminatory nature. Stating the status of an account with my information has no bearing on compromising information. The representative stated I couldn't even go into a branch to get clarification. This needs to be reviewed and I would like some answers especially given that I provided my confidential information for a service that was done improperly and unprofessionally.

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 2021-04-27
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX is reporting this account on my credit report Account # : XXXX ... XXXX.I have no idea what this account is even from ... i have asked for them to investigate it as well as all 3 credit bureaus and it comes back as verified everytime ... .I know they are not conducting a proper investigation into this as i see inaccurate reporting in the reporting ... ..the account is reporting as an open account and also a charge off ... it common sense tells me that it can not be both ... .i have attached a copy of the reporting for your viewing pleasure ....

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20
Company: Assured Financial Partners
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Good afternoon, I have been contacted by this company called XXXX XXXX XXXX Phone Number XXXX. XXXX the representative it telling me about a debt for a overdraft fee I had with XXXX XXXX 9 years ego. She started by telling I am being sued for the amount of {$1400.00} plus {$2500.00} of lawyer fees. After I asked what is this about, she tells me its a overdraft debt. I have not received any statements or proof of this debt. I don't even remember having a debt with them. I called the bank now XXXX XXXX and they are not showing anything. She is treating me with a civil lawsuit, and I am not given any proof of the debt. Also I will like to highlight, they are calling me during working hours to disturb me with treats.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20
Company: SYNCHRONY FINANCIAL
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX I purchased a rebuilt XXXX XXXX XXXX vie XXXX. I paid for it with paypal. It included a warranty for 12 months. In XX/XX/XXXX I paid my garage over XXXX to install the transmission. Immediately upon driving the van I noticed a high pitch whine when shifting gears. I took the van to a transmission shop and they staed that the case that the transmission was rebuilt in was probally defective and to ask the supplier, XXXX XXXX what the rebuild procedure was and did the use a new case. I attempted for over two months to contact the seller via email and telephone and never got a response. I provided records of these texts to paypal disputes and when I contacted them, the stated that they had not been able to reach the seller as well and I would be getting a credit for the transmission. After few more months went buy they never removed the charge and I contacted them for assistance. They stated that the matter was still under dispute and no interest was accruing. I continued to pay on the account as I have other charges from other sellers. At that point I contacted pay pal and they stated that it was still under dispute. In XX/XX/XXXX I started to accrue finance charges for this item. Paypal just closed the dispute and I continued to pay for a defective item so it would not affect my credit. So at this point it is almost paid off and I have accrued over {$210.00} in fees and interest for a noisy, defective transmission that makes my vehicle unreliable. I don't understand why paypal would tell me the dispute was in my favor since they could not contact the merchant, nor would the merchant every contact me back, then start charging me interest on this item. I am at a loss over this situation.

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 2020-08-24
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 HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE KNOW IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28
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 recently had my identity stolen. I attempted to notify all credit buries via phone and fax of the incident. My information was obtained and used to open many fraudulent accounts. I request that all the fraudulent information be removed from my credit report immediately.

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 2018-04-20
Company: ALLY FINANCIAL 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:
Credit Report Inquiry Made Without My 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 2020-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The accounts listed are not my accounts. Please remove them. I am not a credit repair company nor am I a mortgage company.

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 2019-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
TRANS UNION started my disputes with trans-union on XX/XX/XXXX and since then have sent more letters ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) disputing various items on my account. Some have been deleted upon not being able to verify but others till remain and have not shown proper verification under the FCRA rules and regulations namely : XXXX XXXX and XXXX XXXX XXXX. These items need to be deleted as they have not been able to verify with supporting documentation the validity of the debt. 

XXXX  As with Transunion, I sent request for validation of the debt on my credit report and no proper documentation under FCRA rules and regulations have been submitted to me justifying the debt. Namely : XXXX XXXX and XXXX XXXX XXXX and XXXX XXXX. These items need to be deleted as documentation establishing validity have not been submitted as requested. 

XXXX AS with both transunion and XXXX, items on my credit report were disputed and supporting documentation requested was not submitted. namely : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. These items need to be deleted as documentation establishing validity have not been submitted as requested. 

XXXX XXXX : These Company which allegedly hold a capital one debt in my name hasnt been able to supple subsequent documentation to validate the debt under the fair credit reporting act and has reported to the credit collection bureau without proper validation. And thus needs to be deleted from my credit file.

In Closing all these companies have been given ample time to validate the debt on my file with supporting documentation and have failed to do so. 
Im hoping to resolve this matter with a deletion from my credit file as these items have caused me some distress. 
Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: AES/PHEAA
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have applied for public service loan forgiveness multiple. I do qualify for this but XXXX and Fedloans have both been using predatory practices to make this process impossible. 

1 ) I received all of my education paid for by public loans, my family was well below the poverty line and I completed my entire XXXX degree while doing work study and on federal loans. 

2 ) following my graduation I worked for 1 year at a qualifying employers while making my qualifying loan payments. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, non profit ) 3 ) somehow XXXX purchased my federal loans and began servicing them. 

4 ) I then worked for 2 more years at a different qualifying employers while making monthly qualifying loan payments. ( XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 

5 ) I then returned to XXXX school and took out more federal student loans. During these 2 years I continued to work full time at a qualifying employer ( XXXXXXXX XXXX XXXX XXXX XXXX ) I was not making loan payments during this time. 

6 ) When I completed my XXXX  program in 2013 I again began working full time at a qualifying employer XXXX XXXX XXXX XXXX as XXXX XXXX XXXX. I have worked in this field and made qualifying payments to my Federal Student Loans since 2013 ( 7 years ) I have evidence that I have made 120 qualifying payments ( 12 years of payments on my XXXX loans ) I have provided my FAFSA info, my tax returns and all other materials to these servicers ( who already have access to this information ) on multiple occasions and yet they continue to deny the above facts and forgive my loans through the PSLF.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20
Company: Informative Research
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I was notified from some credit monitoring services that there was a hard inquiry from Informative Research on my credit report around XXXX on XX/XX/2019. I do not recognize this company, and have not applied for any loans, new credit cards, rental applications, or any of the common reasons which lead to hard inquiries. 

I believe this hard inquiry was a mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27
Company: Medical Data Systems, Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed below. 

To Delete any and all accounts that do not have Verifiable physical proof including the ones below : MEDICAL DATA SYSTEMS Account Number - XXXX Amount - {$2100.00} MEDICAL DATA SYSTEMS Account Number - # # # # # # # XXXX Amount - {$920.00} MEDICAL DATA SYSTEMS Account Number - # # # # # # # XXXX Amount - {$1000.00} XXXX  XXXX XXXX Account Number - # # # # # # XXXX Amount - {$180.00}

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 explanation
Consumer complaint received 2020-08-23
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
My name is XXXX XXXX. I have a checking account with Chase Bank. About 2 years ago someone hacked in and stole about XXXX. The bank invesitgated and refused to give the money back until they found that the hacker phonied up a drivers license for ID. You should have this case in your records. Then when we filed a complaint with you they gave the money back. 

Today I got another alert from Chase that I have only XXXX dollars in my account. I have about {$18000.00} in the account which is my unemployment checks.. They are saying the account is a joint account with someone named XXXX. This is not a joint account never was and is a single account. This money was stolen and Chase needs to investigate but can not take 45 days to do so. the money is needed immediately. This is the second time this has happened. Chase changed his account number before and it still happened again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-23
Company: COLLECTION SERVICES OF ATHENS, INC.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The aforementioned credit agency representing XXXX XXXX XXXX has violated the FCRA and HIPAA by not providing documents to me in regards to this debt I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from all my credit files : XXXX, XXXX, and XXXX. The business is required to disclose to me all the documents that they have recorded and retained in their files that pertain to this debt. I have not sign or even authorized anything to the company. If Collection Service of XXXX does not have any documentation, they need to remove this from my credit file immediately. 

This debit collector has yet to provide a signed document with myself and them in any agreement and i would like it 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