BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-10
Company: ERC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX has a debt placed on my credit reports in the amount of XXXX. This debt was disputed quite some time ago and was removed by a different collection agency. 
I sent XXXX XXXX a certified debt validation letter and they have yet to respond to my request or send me anything they have to show that this debt belongs to me. This company is using illegal tactics and placing debts back on consumer reports that were removed due to fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I opened a Blue Business Card.

Amex said I have 15 months of 0.0 % interest on balance tranfers and new purchases.

Instead they are charging me 15 % interest.

I have called about 5 times to solve the problem.

They say they are investigating. .. but it has been 4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23
Company: WESTERN UNION COMPANY, THE
State: DE
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Western union is has been collecting money transfers but not making the funds available for pick up. They keep the money for weeks and then refund it back to your account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-10
Company: Mr. Cooper Group Inc.
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have an FHA mortgage loan with Nationstar Mortgage and have been struggling with my payments due to a decline in income. I have attempted to obtain mortgage assistance from them, but their efforts on my requests have been a miserable failure on their part. Every time I would send in them the requested information, they would claim that they didnt receive it and then at other times they would say that the information was incomplete. However, I always sent them what they wanted. They have also never sent any written denials or written closures of my file. I was assigned a single point of contact, but he was unable to get the loss mitigation process completed. It has been six years of trying to deal with them and finally they set a sale date on my property. I was having financial difficulties, but was still current on my mortgage payments, when I initially contacted them for help. They said there was nothing they could do since I was not delinquent on my loan. They advised me to go late on some payments and that they would help me. Well, I did what they said and it has been a nightmare. I am now in foreclosure and they are going to take my home away. I believe that they saw that I have significant equity in my home and they are trying to take it away from me for their own profits. Their process and employees seem very confused and I can not get answers, but that has not stopped them from trying to sell my home. I can afford a reasonable payment, but they have completely shut the door on providing assistance. They should at least finish the review they started using my current financial circumstance to see if I qualify for a retention option, instead they are taking my home away through foreclosure. I get letters from them saying they will help, but when I call in to they never help. I have worked very hard to reestablish myself and deserve the right to have my mortgage reviewed for retention options.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
Company: Experian Information Solutions Inc.
State: CA
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:
As of a result of a XXXX settlement between 31 state attorneys general and Experian, XXXX, and XXXX, who together created the National Consumer Assistance Plan. The plan which went into effect in the second half of XXXX was designed to limit credit reporting errors that negatively impact scores. The settlements prompted the credit-reporting companies to take away some non-loan associated gadgets that have been despatched to collections companies. The companies additionally agreed to take away medical-debt collections which were paid by a affected persons insurance coverage. 

I have requested for both XXXX and Experian to enforce this settlement, as it relates to my reporting of Non-Loan, ( specifically XXXX XXXX ) and the one medical dept listed ( XXXX XXXX ), as it was paid by my insurance at the time, however they decided to Balance Bill the difference, which is illegal. - I am again requesting both XXXX and Experian enforce this settlement and remove these 2 items.

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 2018-03-29
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CRA/HIPAA VIOLATION / NO KNOWLEDGE OF FRAUDULENT ACCOUNT DUE TO ID THEFT APPEARED ON MY EXPERIAN CREDIT REPORT. FTC ID THEFT REPORT # 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 2018-11-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Complaint COULD NOT DEPOSIT BECAUSE ATM CARD NOT WORKING. BANK INFORMED AND VERIFIED ACCOUNT IN GOOD DTANDING AND WROTE OFF FEES AND ISSUED NEW CARD. 1-DUE TO SCHEDULING ATM ONLY AVAILABLE BANKING METHOD 2-CALL TO BANK RE MALFUNCTIONING CARD DOCUMENTED AND BANK WAS CLOSED. HAVE DOCUMENTED MSSAGE FROM BANK. 3-WAS TOLD ALL IN ORDER - WAIT FOR REPLACEMENT CARD, 4- CARD MAILING NOTICE SENT-HAVE DOCUMENTATION E-MAIL. 5-WROTE CHECKS - MAILED- WENT TO ATM WITH DEPOSIT BUT NEW CARD WOULDNT WORK. 6-CALLED BANK AND TOLD ACCOUNT WAS FORCED CLOSED ON XX/XX/31 BECAUSE AN AMOUNT OF {$2.00} WAS OWING AND ACCOUNT WOULD NOT BE REOPENED, BUT " GOOD NEWS '' IS THAT THEY WOULD NOT COLLECT THE {$2.00}. 7-THEY DIDNT CARE IF IT WAS ONLY XXXX OWING AND IT WAS TOO BAD NO NOTICE WAS EVER SENT. 8-THEY SAID I COULD OPEN ANOTHER ACCOUNT-AND IT WAS TOO BAD ABOUT THE OUTSTANDING CHECKS! 9-THEY SAID THEY WERE NOT OBLIGATED TO LET ME KNOW THEY HAD CLOSED THE ACCOUNT!

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 2020-05-12
Company: EQUIFAX, 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:
Reached out to the three credit bureaus about an inaccurate collection item on my credit report and they are saying that the debt is verified as accurate, which it is not I told them that I received a one page lease that shows 1 of 8 pages and I only received page one. On the one page it does not say anything about a broken lease fee, I asked the agencies how did they certify the debt and got no response, I havent received a billing ledger for the collection agency and it says I sent a notice that I wanted to end the lease which is not attached. They are reporting information that is not accurate and unverified, you cant add something to my credit report without a full lease, full payment history, and proof of this debt. Please review the documents Im submitting and please tell me where it even states if a lease is broken there is a fee, therefore this is not acceptable and irresponsible reporting this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-10
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
My Equifax credit report isnt reporting any information on my Equifax on my report I send them multiple letters stating that they arent reporting any accounts ( 4 of them ) on my credit monitoring due that I have open account and they are reporting to all three credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-10
Company: Trident Asset Management, L.L.C.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Trident Asset Management are refusing to properly validate a debt that they are reporting on my credit report

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 2018-08-21
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:
I have been a victim of identity theft.

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 2018-02-23
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've recently challenged the accuracy of a public record that's being reported by XXXX  via letter, in which you'll find attached. 
I'd requested names, addresses and contacts for those who reported the information. After their investigation, I've been told that the business name, address and contact of the '' furnisher ( s ) '' can be found in the investigation results. According to the attached, Georgia Federal Court- XXXX furnished the information with an incorrect address as well. Neither have I been provided documentation bearing my signature, as requested. 
I'm asking that this matter be resolved in a timely fashion due to the fact it has hurt my ability to purchase a home. 
I have attached all evidence of my efforts and the response. I have even placed a security freeze with XXXX XXXX. Thank you, in advance, for your time & effort in this matter. 

Kind Regards, 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 explanation
Consumer complaint received 2018-11-10
Company: AMERICAN EXPRESS COMPANY
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
On XX/XX/2018 about XXXX XXXX I visited an ATM machine located at XXXX XXXX, XXXX XXXX NV XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, NV, XXXX telephone number XXXX. My transaction was a withdrawal of {$460.00} - the ATM machine sounded a little funny while it was counting the money but never produced the money! I lifted the door where the money is dispensed and there was no money there. I received a receipt for the transaction- showing the debit from my account for {$460.00}. And I immediately called the telephone number located on the atm machine, I was told to call my bank and file a claim - Well my Bank is an American Express Serve Card that is prepaid, the ATM was labeled a XXXX ATM and all XXXX ATMs are fee free to use. I called AMEX SERVE customer service and filed a claim I was told I would receive an email, which I did, and that email states, '' We received your dispute for the transaction below and are currently investigating it. Well send you another email within 10 business days with more information, including whether or not were able to credit you for the charge. '' Trying to get through to customer service is ridiculous and takes a half hour to reach someone in XXXX. I tried to call them this afternoon and was on hold so long my phone went dead. It is or should be a fairly simple issue to resolve as these machines are suppose to have internal mechanisims to alert the ATM operator of malfunctions with the terminal, I called and reported it, someone should have come to check the machine and conduct an audit and fix or place out of order the machine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-10
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Chase XXXX is fraudulently reporting on my credit reports in the amount of {$750.00} account # XXXX * There is no balance because you claim to have charged off the account and it is a FACT that there is insurance on each account to protect the creditor against asset loss. Did you receive monies from an insurance claim that paid off the alleged account balance? 
* Did they even fund the account or did you? 
* Did you take tax credits? 
* Are you the creditor or really just the servicer? 
* Did you disclose that you were charging me for the insurance premium to protect against asset loss? 
* Did you get your approval in writing agreeing to the amount of the premium as require by law? 
* Did you get the insurance payoff prior to charging off the account? 
* Is the contract creating the account even valid since they lacked full disclosure and equal risk? 
* Did you even have a certified copy of the original contract bearing both my signature and your authorized representative 's signature? 
* Can you provide a full accounting showing every charge, every payment, every fee, every interest charge, every credit -including the insurance claim monies received, and any other amount along with the date each event occurred? *This does not mean you get to send me monthly billing statements. You need a full history document ). 

You need to respond point by point on each issue raised and provide documentation for everything you claim. Plus, verification requires a sworn affidavit, so that's how you need to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
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:
On XX/XX/2018 I was alerted by my XXXX XXXX fraud alert that Capital One requested my credit report without my consent or knowledge. 

I sent Capital One a validation letter under FRCA section 609.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-23
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
In XX/XX/XXXX, I contacted One Main Financial. I contacted them because after paying them {$9600.00}, I only borrowed {$4900.00} from them in XX/XX/XXXX. My balance is {$8800.00}. Which after doing the math totals around {$18000.00} on a {$4900.00} loan. For them that is an investment of {$13000.00}. I used this loan to pay for my classes at XXXX XXXX through XXXX XXXX XXXX. I contacted XXXX XXXX who is my attorney. He has reached out to them for a settlement but they said they do not settle. I have a lien on my car with this loan, it is a XXXX XXXX XXXX ex with XXXX miles on it. It is valued between $ XXXX {$3000.00}. I have been doing business with them on and off since XXXX, they went through multiple names including, XXXX XXXX XXXX, Spring leaf Financial, and now One Main Financial. I am living paycheck to paycheck and this loan is a burden on me and my family, I am desperately seeking any and all help please. My attorney said they do not want the car just the remaining balance of {$8800.00}. It seems the more I keep paying them the worse the balance gets. My balance was the same this time last year. I think there is something wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
XXXX ( the worse ), XXXX  and Experian are taking two and three months to update account information and updating credit scores. This is affecting my credit score and balances on my accounts when it takes them months to update.

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 2020-06-30
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: Information belongs to someone else

Complaint:
I been a victim of IDENTITY THIFT PROBABLY FOR OVER SERVERAL YEARS. ACCOUNTS, COLLECTIONS, AND INQUIRIES.i HAVE SENT MULTIPLR TINES THRU THR FTC REPORTS AND OTHER THINGS TO BLOCK AND REMOVE THE FRAUDULENT ITEMS, ACCOUNTS, ETC AND INSTEAT OF BLOCKING IN THR 4 DAYS. I ASK THEM IF FOR ANY REASON THAT THEY FEEL THAT I AM LYING OR ANY OTHER REASON. TO PLEASON SEND ME DOCUMENTS OF PROOF. THEY DIDNT DO IT.. THE ONE ACCOUNT THAT THEY DID TAKE OFF. THEY PUT BACK ON, SAYING THAT THEY CALL ME MULTIPLE TIMES, WHICH IS A LIE.UNDER THE FCRA THEY WOULD NOT PROVID ANY PROOF OF WHAT INFORMATION THEY HAVE. IT WAS LIKE A GAME TO THEM BUT ITS DESTROYING MY CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23
Company: WELLS FARGO & COMPANY
State: CA
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:
On XX/XX/ I wrote a letter stating, I missed my payment because I recently lost my father and have to assist with funeral cost and other financial burdens.I asked if my payments could be reduced for the next 2 months on my debt starting XX/XX/. 
Also stating I am not able to meet the current payment of $ XXXX.But I  will pay you {$50.00} per month. I requested that my account not be placed with a collection agency and withholding interest on my debt.

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 2021-11-29
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:
A debt has been reported to credit bureau Experian as a collection for the amount of XXXX XXXX. However this amount has been paid in full today XX/XX/28 ( XXXX XXXX dollars ). I need for Experian to remove this from my credit report since its impacting me badly. 

Also, I need to make XXXX and XXXX aware because I believe this will be reported as well at some point.

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 2018-11-10
Company: PENTAGON FEDERAL CREDIT UNION
State: CA
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 have been a victim of ID theft. as a result there is are negative balances on my credit report. {$13.00} XXXX on XXXX {$3500.00} on XXXX I obtained a police report submitted to all credit buerals no effect they don't believe me. please 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 2018-11-10
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: Information belongs to someone else

Complaint:
US Dept of Edu/ US Dept of ED/XXXX is fraudulently reporting on my credit report in the amount of {$17000.00} account # XXXX. Ive complained to them over and over again that I never attended school in XX/XX/XXXX at all to no avail. This account never belonged to me. Ive asked them to send me the original instrument of indebtedness in its original form back in XX/XX/XXXX. The information that they sent was not mine and not my handwriting. This is against the law. 

* Did you even have a certified copy of the original contract bearing both my signature and your authorized representative 's signature? 
* Can you provide a full accounting showing every charge, every payment, every fee, every interest charge, every credit -including the insurance claim monies received, and any other amount along with the date each event occurred? *This does not mean you get to send me monthly billing statements. You need a full history document ).

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