BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-10
Company: Experian Information Solutions Inc.
State: NJ
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:
The following account was a fraudulent account that someone stole my identity opening a XXXX account for service. 
When I realized this was on my report i called XXXX XXXX the collection agency and advised them of the situation, the supervisor advise me I can pay a lower amount to settle the account which I did. The supervisor advised me this would completely come off my credit report ( Experian ) with in XXXX days. It has been over 3 months and it is still on my report. 
I need this to be removed to continue operating my business as a real estate investor. With this mark against my report, it has held me up from obtaining loans.

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 2019-11-05
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently applied for an apartment and I got denied. I don't understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I don't understand what's going on but these items are not mine and they all need to be deleted from my credit report please. I called police and got contact with FTC. These are the items I need help removing : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-30
Company: DISCOVER BANK
State: TN
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:
My mom XXXX  at the end of XXXX and I contacted discover as I was overwhelmed with expenses. It was made very clear that Discover had XXXX options for me other than if I paid late, I would incur additional fees and interest and my amount due would increase. I would also have charging or using the card be cut off. I explained again this was a financial hardship and was told in no uncertain terms that the next time any assistance would be available - not only a program, but any hardship, forebearance, payment arrangements- literally there was XXXX help until XX/XX/XXXX. Discover agents made it clear that my financial hardship would result in more penalties, fees, and interest. XXXX agent offered a credit to my account but out the payment in place 1 day after a due date - triggering late fees and penalties above and beyond any credit. I had to file multiple complaints to have anyone offer a late fee refund but at that point the financial penalty to me was already larger than any refund. 
When I called earlier today to speak with Discover, an agent went through my account and he reviewed all the notes and expressed dismay that there had been no help affered to me to help me stay current- it was all penalty on top of penalty until I could just not recover. No program, no hardship, no forebearance, no payment plans offered until eventually last month XXXX XXXX I was given an option that was again just prioritizing Discover be rewarded for these last several months of financial punishment. I agreed that it was super clear that Discover intended to make it as financially punishing as possible. I have filed complaint after complaint after complaint based on the very bizarre way Discover has handled this, handled credits, poor communication, agents scheduling payments to be put in late - and despite numerous complaints being filed on my behalf- it just continues to accumulate fees and interest and more financial benefit to Discover. The agent said earlier today that he could see I would have been eligible for assistance but was confused as to why it was not offered to me when it could have helped me stay current. I called back later today to document with discover that I was clearly told that I would have XXXX assistance in any way until XXXX of XXXX and the agent I spoke with said shed file a complaint on my behalf. She put me on hold to ask a supervisor if there was any assistance for me at this time and came back to report what I had heard before- the only options were those that ignore my prior complaints and maximize the amount that Discover is repaid - the same as if I stopped paying in XXXX and decided today I needed to call versus the last 6 months of complaints and requests for help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
ALL OF THE ABOVE- focus now is on old info that never goes away. 2- info that is reposted to make me look bad. further with statements of pure libel- that read " too many inquiries '', " massive delinquincy '' - make attempts to extort the consumer to no end. My ID was stolen- reported to XXXX and XXXX sherrif , and XXXX FBI XXXX No credit bureau will accept communications from these agencies- demanding I provide the internal case information. I don have access to FBI internal systems- or i would be investigating multiple leads right now, myself. 

When I moved here 6 mos ago- they read " data unavailable for new credit ''. Now they read worse then " serious delinquincy. '' I owe nobody. ALL ACCOUNTS ARE DISPUTED IN FULL- I have the right to not pay accounts and still have them removed. NO BUREAU HAS COMPLIED since initial proceedings over 12 mos ago- and when they comply its for 6 mos at a time- then the old info shows up again. 

The laws are rigged against the consumer to collect damages due. I should not be forced into payments for debts I can legally dispute in full, like a lemon XXXX XXXX that XXXX DID NOT and WILL NOT fix. XXXX refuses to collect the info from XXXX  XXXX XXXX who serviced the car, and refused to fix it. Then XXXX refused to remove the loan -or pickup the car. XXXX resells the data to itself under multiple trade names. 

A rising cr score indicates that not only are these account reports slanderous- but dated and resold. I can not establish new credit whatsoever due to this blasphemy being resold to merchants- but hidden from me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a savings account and checking account with Capital One banking. On XX/XX/XXXX I asked my mother XXXX XXXX to transfer XXXX from a joint savings account we shared at XXXX & XXXX XXXX, to the Savings account at Captial One. My mother has in the past paid my credit card that I have with Capital One from her checking account because I did not have phone access at the time. on XX/XX/XXXX she transferred XXXX from our joint savings account to her checking and then on the same day she transferred XXXX from her checking to my savings at Capital One. She was not aware that a transfer could be done via savings to savings. Around XX/XX/XXXX I was contacted from Capital One that I had committed fraud because my name was not on the account that the money was being transferred from. I talked to many people at Capital One and was met with the answer I can never open an account with them again. My mother tried from XXXX & XXXX XXXX to resolve the issue but they told her it was on Capital One. I was told the money would be returned up to 90 days later. It has been 7 months and each time I call I get forwarded to a voicemail and then it does not let me leave a message.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-29
Company: Movement Mortgage LLC
State: SC
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 initiated a mortgage with Movement Mortgage. The loan officer took 3 hard hits on my credit over the first without giving me a heads up. This significantly impacted the credit score I worked so hard to achieve.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ARS RESOLUTION COMPANY XX/XX/20 FOR XXXX DOLLARS XXXX DOLLARS AND ANOTHER XXXX DOLLARS I DISPUTED THE CASE THROUGH XXXX I DO NOT OWE THIS MONEY TO ANYONE I DO NOT KNOW ANYTHING ABOUT THIS 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 2019-11-05
Company: Williams & Fudge, Inc
State: CA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Williams and Fudge employee XXXX XXXX  has called multiple third parties asking if they know me but stated that he does not know me personally. He has called an aunt and a co worker with whom I do not speak to on a regular basis. The debt he is asking about is a false debt, not owed and is an incorrect amount. I am already paying that student loan debt through XXXX. XXXX needs to stop all contact to any third party that he feels is connected to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
I have repeatedly attempted to contact capital one to dispute billing errors and identify unauthorized charges. However, Capital One has removed the email links and fax numbers from their contact information, disabled my ability to chat online with them, and removed my ability to dispute transactions online. By the time I get home every day, the dispute department is closed making it all but impossible to report these issues. I have attempted to notify Capital ONe via social media who only points me to one of the avenues I Just listed which are not available. I have wanted to reassert the following transactions which were rebilled to me in error : XX/XX/XXXX TRANSACTION REBILL for {$50.00} and XX/XX/XXXX TRANSACTION REBILL for {$100.00}. Additionally, I've attempted to dispute the following charges through multiple venues, yet capital one keeps pointing me elsewhere : XXXX XXXX XXXX {$260.00}, XXXX XXXX XXXX {$170.00}, XXXX XXXX XXXX {$12.00}, XXXX XXXX XXXX XXXX XXXX {$42.00}, XXXX XXXX XXXX XXXX XXXX {$22.00} and XXXX XXXX XXXX {$210.00}. I have attempted to notify Capital One via the online chat when it was working, and through the online dispute option which never worked. The online dispute button asked me to call in and the chat department always asked me to call in as well, which when I have the time to call in the dispute dept is closed. I have tried notifying them via social media, which does no good either. They have made it impossible to exercise my right to dispute billing errors and unauthorized transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
Company: EQUIFAX, INC.
State: GA
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 very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-29
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I contacted Experian by mail to let them know that the XXXX account is reporting incorrectly on the credit report they will not update my account correctly everything on the account is incorrect thats why Im sending you the information so you can investigate on my behalf

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
The President of USA Joe Biden signed a FEMA Disaster Order EM 3589-NY and NY Governor Hochul signed an Executive Order # 24 authorizing all financial institutions to participate in offering financial hardship courtesies to my zipcode XXXX and all others in the XXXX counties called the AFFECTED areas due to huge snow storm. 

Please investigate why the XXXX of BofA has ignored my many requests as well as the President and Governor to give financial courtesies during this Disaster Declaration. 

I personally was hit by a car and have been offwork for XXXX and XX/XX/2022. 

Then on XXXX XXXX, 2022 our entire community got whacked by XXXX FEET of SNOW!!! 

I asked for an adjustment and no one has gotten an answer from the XXXX of BofA. 

Ironically, XXXX XXXX did help the victims of all fires and hurricanes this year! 

Please review my letter request and the proof there is a Disaster!!! 

thanks so much. 

XXXX XXXX ph. XXXX XXXX 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 monetary relief
Consumer complaint received 2022-03-16
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was in a forbearance plan due to the impact of COVID shutdown and income was lowered.Now the forbearance is up I wanted to start making payments again and mortgage company wants me to pay XXXX dollars up front and will not take any lower payments.I do not have XXXX upfront.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
Company: CAINE & WEINER COMPANY, INC.
State: NC
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:
On XX/XX/2023 I asked that these items be investigated and removed from my report In accordance with the Fair Credit Reporting Act. Caine & Weiner XXXX, has violated my rights. 15 U.S.C 1681 602 A. 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: ENCORE CAPITAL GROUP INC.
State: NM
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Attention : XXXX XXXX Re : Midland Funding LLC Civil Judgment Court case # ( I CANT READ THIS ON THE TEXT- PLZ FILL IT IN ) I received a notification from my HR department at work my wages were getting garnished. I was so shocked. I contacted the plaintiff listed on the garnishment and I spoke with an agent at XXXX XXXX and notified them that this was not my account. The agent sent me copies of the XXXX XXXX statement showing it was going to a TX address. I live in NM! 

I want to be very clear that this is not my account. I never took out the account, I never used or paid for the account and I haven't lived in Texas since I was XXXX years old. 

The original application should have never been approved as the address clearly didn't match my address on my credit report. 

This garnishment notice prompted me to pull my credit reports and I now realize I have a total of five fraud accounts. 

As a result, I have filed a police report. See attached. 

I have sent 3 emails to the plaintiff 's Atty and I haven't received anything other than the XXXX XXXX bill showing an address that is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-05
Company: Paypal Holdings, Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Money sent to : Sent to XXXX XXXXXXXX EUR {$24.00} FeeXXXX EUR {$4.00} TotalXXXX EUR {$29.00} No product delivered. Would like full refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
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:
Please read attached document. I've endured adverse action and was discriminated against pursuant to Equal Credit Opportunity Act by this financial institution. This financial institution also committed unauthorized use of my credit card ( SSN ) pursuant to Truth-in-Lending Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: The CMI Group, Inc.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Multiple call have been coming from XXXX. They don't have my name but ask me to confirm my address on XXXX XXXX in XXXX, XXXX. I own two apartment buildings on that street.  They will not reveal any of my information, or the purpose or intent of the call.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13
Company: Riverwalk Financial Corporation
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX #XXXX****
XXXX XXXX XXXX XXXX, TX XXXX
(XXXX) XXXX
Placed for collection: XX/XX/XXXX Responsibility: Individual Account Account Type: Open Account Loan Type: COLLECTION AGENCY/ATTORNEY
Balance: $XXXX Date Updated: XX/XX/XXXX Original Amount: $XXXX Original Creditor: XXXX XXXX (Retail) Past Due: >$XXXX< Pay Status: >In Collection<
Remarks: >PLACED FOR COLLECTION< Estimated month and year that this item will be removed: XX/XX/XXXX

This account was reported on my credit report as a debt that I owe, I disputed this item on XX/XX/XXXX with XXXX. A direct dispute with the company on XX/XX/XXXX and a Validation letter on XX/XX/XXXX. The Debt is being reported by the original creditor and the debt buyer at the same time. It is also being reported inaccurate as per information sent due to the dispute with XXXX by XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: EQUIFAX, INC.
State: AR
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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: EQUIFAX, INC.
State: NJ
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX, but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation