BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Somebody has been using my identity to open credit card, loans that have not been paid. There is an unbelievable amount of accounts opened, and 41 hard inquires. I seriously need your help I do not know what to do. This is insane. I do not trust anyone please help. This has made my life very difficult. I was receiving fake letters from banks that I was approved, I received credit cards that were fake and didn't work. How am i suppose to fix this, I can not believe it.

Now that I need working capital for my businesses I'm getting denied. How am i suppose to buy a house. I don't know what to do. My car is soon going to be repo because I cant get any help from anyone. Please tell me there is a way to fix this.There is phone numbers that are not mine, jobs I dont know

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 dont believe TransUnion is in fair practice or is resolving disputes accurately. I had two false collections reported and neither were satisfactorily resolved. One of the accounts I submitted picture proof that the account was closed in good standing, then the company ( a gym ) continued to charge fraudulently and illegally sent a false amount to collections. I will not pay this and will sue the credit reporting agencies if necessary for allowing false damage of credit and fallout including damages against myself, including but not limited to damaged credit and inability to procure a vehicle for work due to false credit damages. Gyms should not be allowed to take advantage of people during Covid, and TransUnion has a responsibility to make accurate credit reporting.

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 2021-08-14
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/2021 i, a consumer and natural person, entered a consumer transaction by extending credit to American Express for a Blue Cash Everyday credit card. I received notification via email that i was denied due to a credit score. There is no law that says i'm subject to a credit score or consumer report with XXXX, XXXX or XXXX. What law says i can be denied my own credit? I gave them my credit card, pursuant to 15 USC 1602L is any card ( social security card number ) and received no benefit. Pursuant to 15 USC 1602P no benefit to a natural person is unauthorized use. What law are they using to deny me my own credit? They've performed an unlawful adverse action.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
FCRA violation Experian took more than 30 days to send me there report, were disputed on XX/XX/2018 I never receive any file back from 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 non-monetary relief
Consumer complaint received 2019-01-01
Company: ENCORE CAPITAL GROUP INC.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My paycheck is being garnished for a debt that is unknown to me in the amount of {$4400.00} ( this included fees ). I requested information from the Plaintiff attorney, however they did not comply. I was told they could not tell me and I had to pay. Basically they were not very helpful. I received the garnishment papers from my employer on XX/XX/2018. I called the Plaintiff attorney on XX/XX/2018. I attempted to request a hearing, however I did not have the funds to pay to request the hearing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2021 ORIGINAL CREDITORS : XXXX  XXXX XXXX, XXXX. 
XXXX  XXXX XXXXXXXX XXXX, TX XXXX ( XXXX ) XXXX Dear Sir or Madam : I am writing to dispute the following information in my credit report file. I have circled The items I dispute on the attached copy of the report I received.The information on XXXX XXXX XXXX, XXXX. 
Original Creditor : XXXX  XXXX XXXX, INC.account number ISNT DISPLAYED with a CREDIT SCORE OF XXXX out of the other two credit bureaus which is inaccurate because I've been contacted by MANY companies about a debt you allege I owe several times. You also have my name listed wrong, it is, XXXX XXXX XXXX. YOU ARE THE ONLY COMPANY THAT HAS NOT UPDATED MY ACCOUNT & INFORMATION THIS IS UPSURGE and unprofessional, I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately.

Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate.

This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection.

The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
This rule is effective XX/XX/2021. Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX, Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
I noticed this on my credit report. Tried to settle it with the company since I have no knowledge of this credit card and did not have an account with this bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: EQUIFAX, INC.
State: CT
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:
My information was stolen and used to open a number of fraudulent accounts in my name. These accounts on my credit report are fraudulent and need to be removed from my Credit report immediately and permanently : # 1. XXXX {$0.00} Closed 2 late payments, XX/XX/XXXX, Credit Limit {$200.00}. # 2. XXXX {$0.00} Closed Unknown payment history, XX/XX/XXXX, Credit Limit {$500.00}. # 3.  XXXX {$0.00} Closed Unknown payment history, XX/XX/XXXX, XXXX XXXX {$750.00}. # 4.XXXX  XXXX {$1100.00} Closed Unknown payment history, XX/XX/XXXX, Credit Limit {$1100.00}. # 5.XXXX/XXXX  {$0.00} Closed Unknown payment history, XX/XX/XXXX, Credit Limit {$300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-01
Company: Bay Area Receivables, Inc
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a Bay Are receivable collection with amount of {$290.00}. I have no idea how I obtained the debt, I believe that someone mistakenly has the wrong person.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I'm the co-signer with a Navient account. This loan started in 2008 at {$15000.00} and now the balance is {$11000.00}. I have automatic deduction from my bank account. The accrued interest just went up this month to {$54.00}. My payment is {$130.00}. The interest rate went up to 5.75 %. I had no warning. I called about this today and the person helping me ( kids playing in the background ) just kept repeating what was on my bill over and over. At this rate, I will be dead before it's paid off. She let me know my interest rate was better than most people. If this was a car loan, no one would buy a car. I just had to vent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In XX/XX/2020, I called Capital One customer service, and I requested to get protection for my monthly payments due to Covid-19. The customer service confirmed that I would be protected till XXXX ( next payment ) Because my XXXX payment was already covered and protect under COVID 19 program. Unfurtanetelly I received a notification from XXXX   that Capital One reported 30 days late payment. Impossible because they explained to me that the XXXX payment was already protected. The customer service fails in providing the correct information about the next payment and the credit report, to help me as a client to avoid being report to the credit bureau. I called today again, and I asked them to remove this error from my credit. I didn't get any reference number or case number to follow up. I'm facing an economic situation due to the COVID 19.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-11
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Back in XX/XX/2020, I received a bill from Citizens Bank, for a credit card I had never authorized. In a matter of a few days, {$7000.00} were charged. This had started back in XXXX. As soon as I realize it, I reported to the police and the credit bureaus, followed the steps given to report identity theft and fraud, froze my credit and set an alert.

Sent a letter reporting the identity fraud to the credit company itself, Citizens Bank. 
Months passed, sent a second letter and finally heard from them, XX/XX/XXXX, but not the helpful response I was expecting. They simply said that after reviewing my account they had denied it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
1. Collections : XXXX/XXXX Account Type : Collection Agency/Attorney Creditor Type : Rental/Leasing Date:XX/XX/XXXX Original Balance : {$2500.00} Dispute this company : Identity Theft 2.XXXX/XXXX Account Type : ChargeAccount Date OpenedXX/XX/XXXX Dispute this companyI payment on time, There's no reason to automatically close my account. 

3. XXXX/XXXX Account Type : ChargeAccount Date Opened : XX/XX/XXXX Hight Balance : {$1700.00} Dispute this company : Identity Theft 4. XXXX/XXXX Account TypeChargeAccount Date OpenedXX/XX/XXXX Hight Balance : {$2100.00} 5.  XXXX/XXXX Account TypeChargeAccount Date Opened : XX/XX/XXXX Hight Balance : {$1500.00} Dispute this company : Identity Theft 6. XXXX/XXXX Account TypeChargeAccount Date Opened : XX/XX/XXXX Hight Balance : {$180.00} Dispute this company : Identity Theft 7. XXXX/XXXX Account TypeChargeAccount Date Opened : XX/XX/XXXX Hight Balance : {$300.00} Dispute this company : Identity Theft 8. XXXX XXXX  XXXX Account TypeChargeAccount Date Opened : XX/XX/XXXX Hight Balance : {$300.00} Dispute this company : Identity Theft 9.  XXXX Account TypeChargeAccount Date Opened XX/XX/XXXX BalanceOwed {$930.00} Dispute this company : Every time I pay on time, I have paid off my arrears. 

10. XXXX Account TypeChargeAccount Date Opened XX/XX/XXXX BalanceOwed {$2100.00} Dispute this company : Every time I pay on time.There is no reason to close my account. 

11. CHASE CARD Account TypeChargeAccount Date OpenedXX/XX/XXXX BalanceOwed : {$2100.00} Dispute this company : Every time I pay on time, I have paid off my arrears.There is no reason to close my account. 

12. XXXX/XXXX Account TypeChargeAccount Date  Opened:XX/XX/XXXX BalanceOwed : {$1500.00} Dispute this company : Every time I pay on time. I have paid off my arrears.There is no reason to close my account. 

Appeal : I'm a wholesaler on XXXX. Closing my account has had a great impact on my business company and individuals. Every time I pay on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10
Company: ALLY FINANCIAL INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
I helped my son get a auto loan with Ally Financial Auto XX/XX/XXXX I was principle on loan and son was co-signer, son was not prompt in payments so I took over payments XX/XX/XXXX or XX/XX/XXXX. I paid on time always with auto pay from my bank but I had never received a single statement or communication from Ally. on XX/XX/XXXX I saw online that payment was {$650.00}, I paid the {$650.00} with auto pay. When I went to look at Ally account XX/XX/XXXX account said no record of vehicle and I could not see vehicle account. The auto pay send {$650.00} on XX/XX/XXXX when I went to look at Ally account XX/XX/XXXX I still could still not see account then first week of XX/XX/XXXX I was notified that Ally had reported non-payment to Credit Bureau, I again tried to see account but was still locked out. I called Ally and was told first that I missed several payments when checking Bank I saw I had never missed a payment. I asked Ally what was up as I could not see account, never received a single statement, or communication of any sort and they informed me they only communicate with Co-signer per his telephone request and he had filed Bankruptcy so I was locked out of account and they do not send any type correspondence with principle who had paid for 3.2 years. Ally informed me I should have monitored account they locked me out of since they did not communicate with me and they had no responsibility to communicate with me regarding account or my credit. I was never notified of any discrepancy, received no communication in 3.5 years and was not allowed to see account they told me I should have monitored and still can not see?!

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 2019-11-13
Company: Riverwalk Financial Corporation
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The company in question is Deville Asset management. The account was purchased from XXXX XXXX on XX/XX/XXXX. The original account was opened opened on XX/XX/XXXX with XXXX XXXX and I became delinquent in XX/XX/XXXX. ( last partial payment made ). I received a letter dated for XX/XX/XXXX stating the vehicle would be sold in a private sale after XX/XX/XXXX and a second letter dated for XX/XX/XXXX advising the vehicle has been sold in private sale. 
Deville Assest Management has the account listed on my credit report as opened on XX/XX/XXXX and reporting monthly. The collection agency is illegally re-aging the account listed showing the account first date of delinquent 3 years after the true date. And they continue reporting monthly although the 5 year limit in collections efforts have expired. I have disputed the account several times due to them Being unable to verify information. The account removed/deleted from all 3 credit bureaus due to the collection agency being unable to verify the information. However, after the account was deleted from XXXX  the collection agency re-list the account on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We have a mortgage with Ocwen that matured XX/XX/XXXX. Ocwen notified us that we still had {$29000.00} of unpaid principal. We disagreed with that amount. Ocwen would not budge. We hired a firm called XXXXto handle an arbitration to either reduced that amount or the 10 % interest rate.This was XX/XX/XXXX. We paid {$2700.00} although we were told ito retain them was {$1700.00}. They assured us that they could take care of it before the maturity date. They didnt. And we were billed an additional {$500.00} twice. Now I cant get them on the phone. I have email, text, fax with no response. Can you help us. I dont know whether to file bankruptcy or go back to Ocwen. My husband is on XXXX, I have XXXX  and XXXX and this need to be taken care of. I dont know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XXXX XXXX, 2020, PORTFOLIO RECOVERY add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA PORTFOLIO RECOVERY has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-14
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received a check from the company I work for, XXXX. They utilize ADP for payroll and for the past couple of weeks they had been direct depositing my paychecks into my checking account. However, I received a paper check today and decided to deposit it into my account. Now, I am being subject to a 14 day hold even though I have deposited other checks and had them clear sooner. This is extremely annoying and is one of the reasons I am looking to switch banks.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: Freedom Mortgage Company
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have applied for a loan modification for my primary residence but am having difficulty communicating with my servicer. 
I Finally got approved as of XX/XX/XXXX, after a variance was approved ( XX/XX/XXXX ) to remove my co-borrower from submitting financial documentation for a modification. My co-borrower is my uncle in law who is a non-owner occupied borrower who refuses to cooperate. The lender agreed to continue with the variance and suggested A quit claim deed ( XX/XX/XXXX ) and I submitted it only to find out it didnt suffice. I went through my three month trial period and paid three months of mortgage ( XXXX XX/XX/XXXX ) and was told throughout the process My co-borrower would be removed so I could continue with the final modification process. End of XX/XX/XXXX I received the final documentation and it included my late husband who passed away XX/XX/XXXX and my co-borrower. I pleaded with the mortgage company for weeks to remove my husband which they finally did however I was told they would not remove my co-borrower as he was on the mortgage note. I was told if he didnt sign I would automatically fall into foreclosure. I again pleaded with my co-borrower to sign and the mortgage company with the intention of wanting to pay my mortgage and keep my home for my children and I, with no success. Ive complied though out the process but I was mislead, misinformed and Ive struggled to get answers.

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