BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-13
Company: Klarna AB
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2020 I purchased a mattress and box springs set through XXXX XXXX XXXX. I financed my purchase through Klarna/XXXX XXXX. I was promised - which I have photographs of - an APR of 9.99 % for 2 years which was a promotional rate specific for XXXX customers and a XXXX $ monthly payment. I received my first bill and they changed the APR to 0 interest if paid by XX/XX/2020 and a 19.99 % APR if the balance was not paid in full by then. I have contacted customer service via email and phone. I was told send in the photos I took of the promotion I was offered - and I did - but I have not received a response and my account has not been updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Earlier Complaint no XXXX XXXX. ) The merchant has provided transaction receipts with my forged signature. This was brought to the attention of CapitalOne Bank. 2. ) Apart from this merchant states I was doing business with them since XX/XX/XXXX. This is false because they have sent me a welcome mail on XX/XX/XXXX. I have provided this as proof to the Bank. CapitalOne has ignored this aspect. 3. ) The merchant has refunded transactions made before XX/XX/XXXX and then blocked my user access. I do not have user access to the merchants portal since XX/XX/XXXX and they have created fake login history and transactions after that. 4. ) The merchant has provided transaction receipts with my forged signature. This is a very serious matter which Capitalone is conveniently ignoring. I have requested the bank to verify my signature. 5. ) The credit card number provided on the transaction receipt copy given to me does not match with my card. 
Capitalone has accepted the forged signature document provided by the merchant. They did not even bother to verify my signature in-spite of bringing this to their notice. 
The credit card number provided on the transaction receipt copy given to me does not match with my card. This is apart from the forged signature on the document.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: Google Compare Credit Cards Inc.
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Signed up for XXXX Payments and activated REI promotion which provided 20 % cashback. Made one purchase for {$100.00} on card associated with promotion. Purchased tracked, but at {$0.00}, and has never updated over a month later. Dozens of attempts to work with XXXX customer service have lead to a runaround and repeatedly asking for the same information or documents that have already been provided in the same email chain. Clearly unethical and fraudulent business practices, baiting and switching on an offer, then hoping I go away after running me around. Consumers rights are being violated by this quasi-monopoly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: HW Holding, Inc
State: DC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX, I reviewed my credit and noticed Hunter Warfield was reporting as an outstanding collection account. The same day I mailed a debt validation notice requesting the method or verification. I received no response. On XX/XX/XXXX, I sent a certified mailed letter with a second request for a method of verification. I also requested an original contract with original signatures and if the documents were unable to provide the requested documentation, I requested for the item to be removed from my credit report. As of today, XX/XX/XXXX, I have not received any of the requested information and the debt is still reporting negatively on my credit. Secondly, Hunter Warfield currently does not have a valid business license in the District of Columbia. The District of Columbia requires each entity conducting business in the District to have a General Business License from the D.C. Department of Regulatory Affairs.

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 2020-05-18
Company: Sequium Asset Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This morning I received an XXXX  notification about a debt collection opened against me on XX/XX/XXXX, for a {$77.00} balance supposedly owed to XXXX XXXX ( XXXX ). 

I've been a client since XXXX with XXXX XXXX XXXX ( now XXXX  ) and I've NEVER owed anything to them. I have my payment settings on AUTO PAY so there's not a chance that I couldn't have paid an internet bill. 

I do not have TV or telephone with them, I've only hired nternet services all this time. In fact, I've already had a similar issue with the same company a couple of years ago. They initiated another debt collection that had to be removed because it was incorrect. 

I don't know if maybe there is someone with a similar name to mine, but this debt collection definitely does not belong to me. I have PROOF to support my statement, and hence I'm attaching the last balance statements from Spectrum since XX/XX/XXXX that show I owe NOTHING. Even my account page on their website home page reflects a {$0.00} amount due. 

Hence, I am opening a dispute of this collection to publish this information and make this go away since it is damaging my credit, name, image, and credit history that has been impeccable for many years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: Ocwen Financial Corporation
State: OH
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
For the past 12 months PHH has held up my mortgage loan modification. They make my husband and I jump through hoops to get our modification approved, including having us notarize the same document nearly 10 times with no proper guidance. The last time they sent a notary, they asked for the document to to done in a manner that is not ethical or legal. When PHH sent the notary, they did not extend the deadline for my modification to be submitted, even though the document was due the next day. PHH has grossly mishandled our mortgage modification every step of the way with no help or answers to any of my questions. This issue has significantly impacted my family and credit. My husband and I are not able to make any major purchases, since our credit shows we are in default, although we have been making payments that are not applied to our account. Also, due to Covid 19 my families income has changed significantly, so I don't know if PHH will approve us under the same conditions or interest rates that we were previously approved for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: AES/PHEAA
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
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 raised a dispute on this account and attempted to contact the company/creditors several times without success. On my credit record, this account is incorrectly reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: GOLDMAN SACHS BANK USA
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I was a XXXX XXXX XXXX at the time, under XXXX, without a job when I received the XXXX ( {$400.00} ) and Apple Card ( XXXX ). I have XXXX XXXX XXXX, and suffer from XXXX. At the time had been experiencing a XXXX XXXX where I spent unnecessary money and could not help myself, this was especially apparent with the Apple Card. There is another card ; Wayfair ( XXXX ), with XXXX XXXX  that I can not pay. 

During the pandemic, starting in XXXX, they made efforts to stop the accruing of interest. Although I expressed to them multiple times that this was a debt I could not pay as I was a XXXX XXXX, without a job. They gave me the contact information for XXXX, a debt consolidation program. Hopeful, I signed up with them, only for XXXX to inform me that Apple does not participate in this program. XXXX has not heard from XXXX at all, so whether or not they participate is unknown. 

I am XXXX years old currently, and my mother has been assisting me with the payments, completely. I am unemployed, unable to work due to the XXXX XXXX and working with XXXX XXXX professionals to receive social security benefits. My condition has hindered me in multiple ways, even preventing me from attending school this year.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: Nelnet, Inc.
State: FL
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:
Hi, In the past I had placed my student loans on forbearance where they accrued interest for a long time. I was struggling and could not afford to pay and contacted Nelnet multiple times about options. They told me my sole only option was forbearance and to accrue interest. When I called them to switch to an income driven plan recently, I asked why they hadnt told me about that before and they said by law they didnt have to tell us all of our options until recent years. Nelnet then told me I should only do forbearance as a last resort and that its my worst option. I told them they were the ones who on numerous occasions told me that was the only option I was allowed to do. The Nelnet representative confirmed from her notes that they did in fact only tell me I could do forbearance in the past. I requested they remove all the interest I accrued and apply the income driven plan retroactively since their lie/error caused me to accrue thousands in interest when I couldve done an income driven plan while unemployed and paid a lower rate instead of going on Forbearance. She said they can not do that and that my only option now is to file complaints. She acknowledged on the phone and apologized for Nelnet lying about my options and forcing me into Forbearance but said she can not do anything. 

This is my complaint and I would like for the accrued interest during the period I was wrongfully advised I only qualified for a forbearance plan to be reversed. I do not believe I should have to pay this interest as I was mislead and specifically asked multiple times if I could pay a lower rate while unemployed and then while struggling in XXXX. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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've been a victim of identity theft. My information was expose in both the XXXX  breach in XX/XX/XXXX and when South Carolina taxpayers were exposed after a server at the state 's Department of Revenue was breached in XX/XX/XXXX. I've noticed several accounts listed on my credit report that I was not aware of nor did I open or benefit from. 

PLEASE ACCEPT THIS COMING FROM ME, MYSELF, I WILL ALSO MAIL IN COPIES WITH MY SIGNATURE VIA CERTIFIED MAIL.

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 2021-02-01
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The medical debt collection from Transworld Systems Inc was placed on my credit reports without proper notification. I previously disputed the account with all three credit bureaus. I was able to determine the original creditor as XXXX XXXX. I have paid the debt with the original creditor as shown as the attached documentation. I am requesting that the collection account from Transworld Systems Inc be removed from XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
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: Information belongs to someone else

Complaint:
I applied for an auto loan and was shocked when the dealership told me I have a negative account. Although I was still approved my interest rate was coming out higher. I reviewed my credit report and found a negative account that does not belong to me. I called the company to remove it and more than 60 days have past I have not received a response. I believe someone used to identity to obtain good that I am unaware of. I never used this company for any type of service nor have I given anyone authorization to use my name.

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 2021-11-04
Company: CITIBANK, N.A.
State: WA
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 was a victim of fraud. My credit card through citibank was used without my permission or consent. The thieves ran up my credit card to a little over XXXX even though the limit was XXXX. I contacted the creditor immediately after I filed a police report. There is a police case regarding this case. Citibank ruined my life by allowing obvious fraud to continue for months. And now they have me in collections because of their own incompetency. It shouldve been a red flag to them when there were shopping sprees. My credit is bad because I trusted them.

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 2020-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 request and initiate a formal complaint against XXXX, TransUnion and XXXX CRA & # 39 ; s. On XX/XX/2019, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2021-11-02
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
NAVY FCU ( Finance ) XX/XX/XXXX, XXXX Never been in the military XXXX XXXX XXXX XXXX - I have never worked there

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 2021-09-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My account information was provided to 3 credit reporting companies without my written consent. No consent is identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
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/2019, XXXX XXXX add a hard inquiries on my credit reports per XXXX, XXXX and XXXX. 
On XX/XX/2019, CAPITAL ONE AUTO FINANCE add a hard inquiries on my credit reports per XXXX, XXXX and XXXX. 
On XX/XX/2019, XXXX add a hard inquiries on my credit reports per XXXX, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25
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 fraud alerts or security freezes

Complaint:
XXXX gave me a free credit score via TransUnion, even though my credit is frozen with them and the other two agencies. Don't remember the exact date I did the freeze but it's been over a week ago for sure. 

I was alarmed by this and contacted XXXX customer service. XXXX told me to talk to TransUnion. 

I called TransUnion on XX/XX/20 and they told me that no one had accessed my account, even though XXXX was able to provide an accurate credit score. 

Somebody seems to be lying ....

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 2020-11-10
Company: CITIZENS FINANCIAL GROUP, INC.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My mortgage company never updated my mortgage account They still put me in forbearance plan I never ask for it!! 
I been paying my monthly regular I keep trying to contact them about this matter!! 
But always system still updating your account. 
Been like that over 3 month This is not right!! 
They need to make my mortgage current!! 
To check everything online Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. On XX/XX/XXXX, I recently learn that my personal information was used to open up several accounts at XXXX XXXX XXXX. The amounts were as follows ( 1st account worth {$1000.00} and 2nd account {$1600.00} both opened in XX/XX/XXXX, and 3rd account worth {$1200.00} opened in XX/XX/XXXX ). I got a notification from XXXX XXXX   Credit Monitoring service that there were three potentially negative derogatory information being report to the credit bureau. The company that was reporting the information was a collection agency named Portfolio Recovery which the XXXX XXXX accounts was sold to. I contact the XXXX  monitoring service to discuss the fraudulent accounts that were being reported and I contacted Portfolio Recovery as well. XXXX   agent and myself contact XXXX XXXX and we were told that due to the information involved because my social was used but the name, DOB, and address did not correspond with the account. This also is the case with Portfolio Recovery and this collection agency went so far to send the dispute paperwork in the perpetrators name to my address and now this person name may be link to my resident. I did not open or authorized these accounts and therefore request these accounts be closed immediately and removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-07
Company: PENNYMAC LOAN SERVICES, LLC.
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have tired for the last 3 months to set my mortgage up on auto draft. My most recent attempt in XXXX for XXXX payment seemed to have been set up successfully. I received my XXXX statement on XX/XX/XXXX and it showed a missed payment so I immediately paid the missed payment. On XXXX I received notice that I was delinquent on an account. Upon researching it turns out it was my My mortgage serviced by Penny Mac. I immediately called them an notified them of the error. Upon calling it seemed that several pieces of information was incorrect My phone number was not associated with my account and they were unable to even pull up my account by my name. The email address was incorrect etc. I spoke with XXXX a supervisor who indicated an issue with the online portal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: EQUIFAX, INC.
State: TX
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:
XXXX Equifax and XXXX has reported inaccurate information of my consumer report which has damaged my reputation and and made it harder for me to obtain money or credit services for the benefit of my household. XXXX Equifax and XXXX had reported sixty ( 60 ) inquiries on my consumer report causing my score to drop significantly which hinders my access to my federally protected right to credit. I have since had these removed after hiring a credit sweep company to manage the task. I was then informed that my rights had been violated and I was due actual damages for their carelessness.

Company response to consumer: Closed with explanation