BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-11
Company: REGIONS FINANCIAL CORPORATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
My complaint is with Regions. I kept getting overdraft fees for the same purchase and return item fees. XXXX I had 3 fees and XXXX I had 9 fees. Just those 2 months totaled {$570.00}. Messaged and called Regions several times to resolve this.

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 2018-10-04
Company: The CMI Group, Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I received a notification from my online reporting service that a collection was reported to my credit report, I contacted the collection agency and received information regarding the collection at which time I communicated the debt did not belong to me an it was unjustly placed on my credit report. I was given a number to XXXX who was the agency who sold account to XXXX XXXX. I called the number given to the XXXX fraud department after I completed the fraud packet I completed. I spoke with several different representatives who were overseas and informed me that I did not have the right to ask for proof of account and that I would need to speak with their attorney who was another representative and I was ridiculed and informed to fax my social security card, ID, bank statement, which I did. My first initial contact with both XXXX and XXXX XXXX, they did not have my SSN or DOB, just my name. I called XXXX back a few days later and was informed I did not need to send over that personal info and was asked if I was " stupid '' for doing so. I have tried feverishly to correct this negligent error and to add insult to injury, I now don't know if anyone is going to use my personal information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Kohls charge serviced by capital one. I called the customer service was on hold over two hours to get through. I couldnt understand first why I can not see my statements older than XXXX this year then second when I am making a payment always above the min my balance hasnt been moving in more than 5 months I look at the last statement and they are charging multiple interest rates which add up to almost 50 % interest I had a fixed rate of 26.49 % the past 8 years and all of a sudden I cant make headway to pay off XXXX it just goes up and up Im now into XXXX Where I started in XXXX I havent shopped there in 6 months so how is that right. Only XXXX has counted towards the balance with a average payment amount of XXXX every month since XX/XX/2020 They need to be stopped please do something I have rcvd no communication in any form or signed or agreed to a balance protection insurance and variable rate this is a complete consumer scam and fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: EQUIFAX, INC.
State: FL
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 disputed this account with XXXX XXXX  multiple times and they kept on sending me these past statements and stating that the account is valid. I understand that they might have a valid account but this account does not belong to me and I Have been stating that since I first noticed the tradeline on my credit profile. at the time, when I called to question the account, XXXX sends me a letter stating that they never issued a credit card to me and that the error will be corrected. Fast forward to date, the account is valid and accurate?. 

I attached a letter from XXXX  dated XX/XX/2021, with a USPS stamp date of XX/XX/XXXX, XXXX the letter stated in short, that they investigated the account and confirm the debt. and that they declined my request to provide additional information to validate this debt. 
XXXX has not provided any proof that this debt belongs to me, all that they send are copies of statements that do not prove that I had access to this account, that I benefited from this account, nor did I signed for or even applied for such account. I spent a lot of time going back and forth with XXXX Bank on this matter, I would like this account blocked from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: ERC
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:
I recently challenged the validity of XXXX XXXX ( Original Creditor : XXXX XXXX - XXXX ( Collection ) account and ENHANCED RECOVERY CO L ( Original Creditor : XXXX ) - XXXX ( Collection ) account that are being reported on my most recent credit report. Upon challenging this, XXXX ( credit bureau ) deleted the accounts based on the lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging these accounts with your company you have verified this same account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been in communication with Wakefield & Associates. I have asked them numerous times to VALIDATE the debt. I explained I have no business contract with Wakefield & Associates. There isn't an agreement bearing my signature or any employee of Wakefield & Associate. They said they are no longer disputing because I didn't prove or show any new facts or information. They sent a letter stating they have requested to report on my credit report. I don't feel that is fair or legal. According to law, they are suppose to cease all collection activity until they can validate the debt. Which includes adding themselves to my credit report. Wakefield may need to read 73 AmJur 2nd, sections 90 and 93 which is a Supreme Court law!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04
Company: NCSPLUS INCORPORATED
State: DC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The city of XXXX XXXX bill me for water consumption for a period I did not use because I did not owed the property for the billing period. Then, report this account in collections affecting my credit report without notice to me. I did not receive notice or have a chance to dispute this balance. I sold the property in XX/XX/XXXX and the bill goes to XX/XX/XXXX. I learned about the debt in XX/XX/XXXX after my credit score when down and I contacted the city of XXXXXXXX XXXX to pay the balance and the XXXX XXXX XXXX. After multiple calls with on solutions I sent proof of the sale of the property, proof of {$250.00} in escrow to pay the bill with the title company and requested they update and remove the collection report. The city of XXXX XXXX stated they will not remove the information and insisted even if they update the balance of {$220.00} to {$86.00} they will not remove the collection report after payment. XXXXXXXX XXXX   stated they will not let me dispute the charge or receive any proof until the City of XXXXXXXX XXXX notify them. As of today, XX/XX/XXXX I was not allowed to pay the {$86.00}. The only option is to pay the {$220.00} that I do not owe. Base on what XXXX XXXX city told me the current balance after adjustments will be {$86.00}, but their system or representatives will not take the payment for {$86.00}. Also, the title company still in possession of the escrow funds to pay the bill.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I need to have my security freeze removed so I can buy a car this weekend. My information is XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX DOB 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 2018-04-02
Company: EQUIFAX, INC.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I was going over my credit report and there is inaccurate information in the details, accounts that was discharge listed that have been reported are not accurate XXXX/XXXX # XXXX, XXXX XXXX XXXX # XXXX, please delete this account is not correct. There is a bankruptcy that is inaccurate. There are addresses listed on my report that are not mine : XXXX XXXX XXXX, XXXX, NM XXXX XXXX XXXX XXXX, XXXX, NM XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, NM XXXX Please remove the following phone numbers : ( XXXX ) XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX I have attached my ID for my address proof of my only address.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-04
Company: HUNTINGTON NATIONAL BANK, THE
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My issue both on the personal and business accounts with Huntington Bank XXXX XXXX, OH that they for mths have been with drawling " fees '' from my accounts with no supporting documentation and in excess of the original agreed to amounts. I have been told for mths they would get me answers only to hear excuse after excuse. They to date have shown nothing in writing both prior, after or upon my multiple requests for why this is happening. I have communicated both with my local " mgr '' and their headquarters in XXXX. I am not sure where to go from here, but these fees are in excess of several hundred at this point and while I will be looking to move my accts to another bank, this is simply wrong to not be able to document the charges ... again prior to or after ... but especially after being asked. Month after month of written requests to Huntington. I am hopeful that a complaint filed may get their attention or care.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-11
Company: EQUIFAX, 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 amount owed XXXX, i have call XXXX XXXX  repealtly and they will not give me no information on a item that they is reporting on my credit so i call on today XX/XX/2018 and the lady stated that they no longer in the account they it is sold to a collection agency and that i will have to dispute this account with the credit bureau in order from them to remove completely, because they states they no longer owns the account to report to be removed off my credit, so i asking all the credit bureau to remove off credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-03
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Experian is not reporting both of my XXXX cards on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-04
Company: Credit Bureau of Jonesboro, Inc.
State: AR
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I tried repeatedly to contact the collection agency about this debt. They never would call me back or work with me to settle or figure out if this debt is legitimate. The name of the collection agency is XXXX XXXX   XXXX. The original creditor is listed as XXXX XXXX. The debt was supposedly opened on XX/XX/2014. The balance is {$310.00}, I have no knowledge of this supposed debt, and question whether this is a legitimate debt, and company, being as they didn't want to resolve the issue when contacted nor have any contact back with me as stated on the phone. My personal information was taken but company made no effort or attempt to resolve the issues of the unknown debts, that were reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-04
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On my credit report it says that I lived in XXXX, AZ. I've never live in Arizona. I'm trying to figure out where this information came from.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-03
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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$570.00}, {$27000.00}, {$0.00}, {$1400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$570.00} -This is not my account. 


-- AUTO ACCOUNTS 2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$27000.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- OTHER ACCOUNT 4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14
Company: Linebarger Goggan Blair & Sampson LLP
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Basically, I used to have an active XXXX XXXX account with a credit card attached for billing purposes. When that credit card was rendered inactive due to being maxed out, I forgot about it multiple times and continued going through XXXX XXXX  toll lanes ( in NY state ), which led to outstanding toll violations and fines. 

Upon my own fault, I kept forgetting to settle the outstanding amount I owed XXXX XXXX. Because of that, XXXX XXXX rightfully referred my debt to Linebarger, Goggan, Blair, and Sampson. I then realized this had to be paid as soon as possible, so I contacted them to pay any outstanding debt. 

I 've already paid several hundred dollars for debt that I owed from XXXX XXXX ( including fines attached ). However, here 's where it all started to go wrong. I was told more than once that I could " settle '' for less than the amount owed if I paid by a certain date, which I did. Upon calling back to confirm such payment has been settled, I was told that there was no record of a settlement and that I still owed more money ( with additional fines attached ). Credit card statements DID show that this collection agency charged the full amount discussed and was paid. At one point, I had several different customer services representatives on the phone, as well as a supervisor. They all gave me different amounts ranging from a total of {$50.00} to a total of over {$600.00} for the exact same debt violation ( s ). I became so confused at this point that I did n't know what I owed anymore, not to mention I was told on multiple occasions that a certain outstanding debt was still owed when I had paid it several weeks prior. 

I have been making multiple attempts to pay this agency the amount that I rightfully owe them, but it 's become impossible. I 've decided that it 's time to involve the CFPB since each and every individual that I 've spoken to has contradicted each other in regards to what has already been paid and what is still owed ( including the amount itself ). 

I have legitimate reason to believe that Linebarger, Goggan, Blair, and Sampson are intentionally using deceptive practices to defraud me as a target of their agency, and that they will continue to do so unless the CFPB becomes involved. I advise any and all individuals falling under the jurisdiction of Linebarger, Goggan, Blair, and Sampson to  notify the CFPB at the very first sign of potential fraudulent practices ( as opposed to making the same mistake that I did by delaying my opportunity to file a complaint ). I also advise individuals NOT to assume that any mistake regarding outstanding debt amounts on behalf of Linebarger, Goggan, Blair, and Sampson are accidental. I repeat, DO NOT assume that such mistakes are accidentally caused.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
Company: ENCORE CAPITAL GROUP INC.
State: NE
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX from Midlands credit management has called my work everyday for the last 2 weeks I have told him I can not take personal calls at work and he keeps calling. I told him again today XX/XX/2019. He also calls my company cell phone after I ask him to stop. He has treated me and will not stop. He keeps trying to get my bank info.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-27
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Let me start by saying I have had nothing but problem with this servicing company. This is my second complaint with you agency with this company. 

The servicing company XXXX XXXX issued my a refund of my escrow account once they finally analyzed the account after payoff. They issued a check in the amount of {$3500.00} which I deposited into my saving account on XX/XX/XXXX. On XX/XX/XXXX the check was not cleared a stop payment was placed on check and I was charged {$15.00} by my bank. 

I have made several calls and sent email asking for clarification and reimbursement. I have been told that they do not see where the check was stopped. Therefore, I am asking for your assistance in getting to the bottom of this. I constantly have to struggle with this company with they wrongful doing. 

These funds are needed in order to pay my property taxes. 

Thanks

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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  amount owed XXXX, i have call XXXX XXXX repealtly and they will not give me no information on a item that they is reporting on my credit so i call on today XX/XX/2018 and the lady stated that they no longer in the account they it is sold to a collection agency and that i will have to dispute this account with the credit bureau in order from them to remove completely, because they states they no longer owns the account to report to be removed off my credit, so i asking all the credit bureau to remove off credit

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 2021-10-26
Company: ERC
State: OH
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation