BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-21
Company: CL Holdings LLC
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been receiving correspondence from Jefferson Capital Systems LLC since XXXX of XXXX stating that I owe an alleged debt. My account information was sold to Jefferson Capital Systems LLC by XXXX XXXX. Which is a violation of my privacy rights. Despite the alleged debt is over 7 years old they are still making attempts to collect this alleged debt. On Tuesday XX/XX/XXXX I called Jefferson Capital Systems LLC at XXXX XXXX  eastern time. I spoke with an agent named XXXX and their agent ID is XXXX. I called to get the balance and account number and at the end of the call I ordered the agent to cease and desist all communication. The alleged debt that I owe is {$460.00}. They are in violation of 15USC 1692 F1 and 15USC 1692 F8

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-21
Company: Experian Information Solutions Inc.
State: GA
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 contacted Experian due to reporting an account with XXXX. I am a victim of identity theft. I reported it to all bureaus XX/XX/2018. I contacted the company and they social security number listed on these accounts ARE NOT MINE! I have provided the bureau 4 times with my drivers license, proof of address and front and back of my social security card that clearly displays my social security number. Ive spoken with someone in their fraud department x2 and they still will not remove this information from my report. There were 20 accounts showing and they only removed 12 and left 8 remaining on my report. They are the only bureau showing this account that belongs to someone else with a similar name but not the same social. My fraud report with FTC : 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 non-monetary relief
Consumer complaint received 2018-03-15
Company: INTERCONTINENTAL CAPITAL GROUP
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I received a deceptive message from a mortgage company names Intercontinental Capital Group in XXXX CA. Below is the transcript of the message they left : Hi it's XXXX, I went straight to voicemail so I hope you're not bothering if you're at work um but we tried sending two letters, and we didn't hear back. My boss said one was UPS, so I don't know if we have the right mailing address. Um anyway, I'll be in the office late tonight so if you could please just give me a favor and call me back either way, my desk is XXXX and um if you got the letter then I guess theres no point in calling me back - all right thanks. 

When I called back concerned as I had no idea what this person wasnt talking about or who XXXX was - I was routed to a female who said XXXX was on her team and they were reaching out to help me reduce my interest rate or cash out equity on home loan. 

They were lying, and never sent me letters or a UPS. This unfair, deceptive, and false advertising.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13
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: Information belongs to someone else

Complaint:
I am a victim of identity theft and you are reoprting inaccurate fraudulent accounts onto my credit file that do not belong to me. I have contacted each company listed below yet they can not validate these accounts with me so how in the XXXX  are hey verifying them with you? Please remove these accounts listed below and in the attached documents from my credit file immediately as they are a result of identity theft. As directed by section 605B of the FCRA notify all furnishers of this information and remove from my credit file 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 2021-09-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Capital One has kept my account in a " restricted status '' from the time I first received my credit card. I spent hours with them on the phone, on numerous occasions, to try to get the restriction lifted. I sent them all documentation that they required with no success. I told them repeatedly that I did not want to renew the card and that I wanted to pay any balance and close the account. They allowed me to make a payment and I paid the balance down for everything except the {$95.00} renewal fee, which needed to be removed. They told me they could not remove the {$95.00} renewal fee until my " restriction '' was removed. They are the ones who will not remove the restriction ( for reasons unknown to me ), yet they continue to wrongfully bill me for the {$95.00} renewal fee, and now, penalties and interest related to that fee. My last conversations with them were on XX/XX/21 and XX/XX/21. I sent them a certified letter on XX/XX/21 to set up a written record of what has transpired, and the letter contains further details. I will attach the letter to this complaint if allowed. In addition to the above, I believe that Capital One has probably been making negative comments to credit reporting agencies that will wrongfully impair my credit rating. It is shocking to me that a company like Capital One could do this to a consumer and get away with it. I am hoping that the CFPB can do something to protect me in this instance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: Experian Information Solutions Inc.
State: NY
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 here do not belong to me it has been over 120 days and no resolution has been made. This is supporting fraud. I demand that they be removed now because it is stopping me from obtaining gainful employment. If the credit bureaus do not remove these items I will file a lawsuit. Fraudulent accounts are as follows : XXXX XXXX XXXX, XXXX XXXX, {$13000.00} ; XXXX XXXX XXXX, XXXX XXXX {$93.00}.

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 2019-05-21
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX, I pulled my credit report and was surprised to find four late  payments that were reported by Navient. 
I then called Navient between XX/XX/XXXX and XX/XX/XXXX to ascertain the details on the late payments and the representative I spoke with was unable to find any information regarding the late payments that were reported to the credit bureaus. Consequently, I assumed that this confirmed that the four late payments were an error and filed a credit dispute with XXXX  on XX/XX/XXXX. 

On XX/XX/XXXX I received the dispute results. The results were that Navient had reported the late payments correctly. Furthermore, on XX/XX/XXXX I called Navient again and spoke to a representative with the new data I had received from the dispute outlying the exact dates being XXXX and XXXX of XXXX and got the exact loans that had been reported as the following : 4 Navient accounts - XXXX - XXXX - XXXX - XXXX Stafford Subsidized loan The representative was able to see that I was coming out of forebearance and the rest of my loans as I carry multiple student loans with Navient were still on or continued to be on Autopay, however, these for some reason went to manual pay and only these select 4. 
The automatic debits should have been reactivated after forebearance as the other loans were. 

The representative told me that this very well could have been a technical glitch on the system and to send a narrative with the credit dispute copy attached to this address. 

I did this and sent a narrative similar to above with a credit report dispute result on XX/XX/XXXX via USPS Priority mail. Navient said they would respond within 30 days. As of XX/XX/XXXX they have not responded or issued me any correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
Im submitting a complaint to Trains union. I have spoken to them. The repesintive did not fix the issue. 
Im contesting the inquiries thta are made on my account from Trans union. I have been a VICTIM of their inquiry issue. 
These are the six accounts that Im contesting that should not be on my account. 

1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX 4.  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX, XX/XX/XXXX 5. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX, XX/XX/XXXX 6.  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/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 2019-05-18
Company: EQUIFAX, INC.
State: TX
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:
Dear CFPB, On XX/XX/2019 I sent a certified mail dispute letter to Equifax, to dispute unverified/ inaccurate items. Equifax did not investigate properly, the items were verified via eoscar system. TransUnion deleted the same items a long time ago. I'm contacting you to let Equifax know, I am doing my part and gathering records to take legal action if they do not delete the following items immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-29
Company: EQUIFAX, INC.
State: PA
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:
Hello, My name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete these items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Dear Sir or Madam, I have been a loyal Capital One customer since about XXXX. I hold the following accounts with Capital one 1. CD 's 2. Checking 3. Savings 4. Money Market. 

All my accounts were closed Monday, XX/XX/XXXX via email stating the following. 

Well be closing your account ending in XXXX on XX/XX/XXXX, because principal owner ( s ) have past, present or pending legal action. 

Remember, when you opened your account, you agreed to the disclosures reserving our right to close it at any time, for any reason. 

Since were closing your account, youll need to : Stop writing checks from this account immediately. 
Re-direct any automatic debits and/or direct deposits. 

Also, you wont be able to open any new accounts in the future. 

You can close your account before XX/XX/XXXX if youd like. Otherwise, well close it and forward your money to a linked external account if you have one. If you dont have a linked account, youll receive a check in the mail within 10 business days from closing at the address we have for you on file. 

If you have any questions, please stop by a Capital One location, or give us a call at XXXX-XXXX-XXXX-XXXX ( XXXX-XXXX-XXXX-XXXX ) from XXXX XXXX. to XXXX XXXX. ET any day of the week. 

As a follow up I did call Capital One and after being shuttled from department to department was finally advised that Capital One has made a management decision to cease ANY/ALL business relationships with me and will be furnishing NO details on why they have come to making this decision. 

I do not have any outstanding legal or court cases and would much appreciate your help with getting the details on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2020-09-15
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15
Company: Santander Consumer USA Holdings 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 status incorrect

Complaint:
My account at Santander Consumer USA became seriously delinquent after I lost my job. After receiving an employment settlement, I contacted the company to pay it off. We agreed on a settlement amount of XXXX on XX/XX/2018. They updated the credit bureaus that the account was closed/ charged off as bad debt that very same day. When I got the credit alert, I called the company back on XX/XX/2018 and said that I did not want the settlement and I wanted to catch up the payments and pay off the loan as agreed. An employee from Santander helped me to take the payment to pay up all the past due payments to have the account become 'current ' in their system. 

The account was re-opened and I have complete online access to my records. I've made two more payments since for XXXX and XXXX. The system is showing my next payment due as XX/XX/2018. Same account - same payment amounts, same payment history. Their system is showing I have caught up all the payments and have a total of 53 payments made with a loan maturity date of XX/XX/2018. However, they refuse to remove the charge-off status. I've had my complaint about this escalated as far as I could to resolve this issue. I have also disputed the status in XXXX, XXXX, and XXXX. 

I just got off the phone with XXXX XXXX from XXXX ( XXXX XXXX ) She told me they are reporting the account as open but she would not give me any documentation to say that. She advised me to get with each of the credit bureaus and dispute the status because they are reporting the account as open. However, there seems to be something very, very, wrong here and I think they are committing tax fraud or cooking their books. How can an account be open and current with all the payments caught up and the account shows in good status AND also be something they are charging off their taxes at the same time? They will not remove the charge off. They are saying my account can be open and current AND still be a charge off. Im going to pursue and make a complaint with Consumer Protection Agency and I dont know who else I would need to contact, because the account should be listed as previously charged off and now current or something like that. My original loan is open and in good standing with them. Im sure they are violating the law at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I received a forbearance/deferral from Mr Cooper. In XXXX I spoke with XXXX my dedicated point of contact who told me the past due payments could be tacked on the back end of the loan at the end of the plan. I have been trying to get in contact with her only to find out today I have a new contact person named XXXX. After I email her she finally contacts me to tell me that I now need to apply for a modification! This is specifically what I told XXXX I didnt want to get into. This bank plays dirty and gives out wrong information only to put you in a no win situation where they will deny your loan mod! They need to apply the payments to the back end of the loan and honor what I was told by XXXX, since I relied on that information! HELP!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: ACS Education Services
State: VA
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:
Until XX/XX/XXXX, my student loans were services by ACS Education Services. I joined the Federal Service in XX/XX/XXXX. I contacted ACS Education Services several times when they were my loan servicer to enquirer about the PSLF program. I was told I was on track for loan forgiveness. In XX/XX/XXXX I learned from another source that my student loans with ACS did not qualify for the program, and I refinanced my loans as the correct type so I would qualify for PSLF. If ACS had provided me with the correct information, then my loans would be forgiven this year in XX/XX/XXXX. However, since ACS misled me, I will not have my loans forgiven until XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Correct amount owed should be {$7200.00} with 7 payments remaining. Ive contacted the creditor and credit bureaus on numerous occasions with no help

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 2018-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
BELOW ARE INQUIRES ON MY CREDIT REPORT THAT I DID NOT AUTHORIZE : XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2021-09-21
Company: CAINE & WEINER COMPANY, INC.
State: FL
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:
Once again Caine & Weiner, you are XXXX me off.You are violating my consumer rights under congress. Im advising you that you cure this with me privately before I pursuit litigation. You stated in my previous cfbp case XXXX that it was a duplicated and it is not. Once again you're giving me false and misleading information and you did not provide me proper validation. I would be happy to settle any financial obligation I might lawfully owe, as soon as I have received the following documentation from you : 1. Validation of the debt ( the actual accounting ) ; 2. Verification of your claim against me ( a sworn affidavit or a hand signed invoice in accordance with The Bills of Exchange Act ( XXXX ) ) ; Uniform Commerical Codes, Federal Fair Credit Reporting Act, and Florida State Statutes for Lawful Purposes. 3.A copy of the contract signed by both parties and therefore binding both parties. 4.Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. 5. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under The Money Laundering Regulations 2007 and what actions s/he has taken in relation to this account

Company response to consumer: Closed with explanation