BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am a victim of victim of identity theft and fraud. My XXXX XXXX  account was subjected to fraudulent activity, I applied for the card but never received the first card. That card was stolen from my mailbox and incurred fraudulent charges without my knowledge in XX/XX/XXXX-XX/XX/XXXX. I have in no way benefited from the account, neither did I authorize the use of my personal information. I am not able to identify a suspect. I have attached a copy of my ID to prove this. I have filed a ID Theft report and reported the matter to the authorities. Last XX/XX/XXXX, I  faxed my FTC report, copies of my IDs and a letter requesting to this company that the incorrect, fraudulent, derogatory information resulted from fraud/identity theft be removed from my report and asked this company to comply with FCRA 605B, which requires credit reporting agencies and creditor to block such information resulted from Identity theft. It is already the XX/XX/XXXX  and nothing has been done. Attached to this complaint is a copy of what has been sent to them last XX/XX/XXXX and what I sent them again todayXX/XX/XXXX ( sent them another request and a NEW FTC report and my IDs ). I am willing to take this further and am filling up an XXXX ( Small Claims ) to have it ready to be filed if this issue still continues and if this company will still not comply with FCRA.

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 2021-05-24
Company: EQUIFAX, 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:
These accounts are not mine and I became victim of identity theft and its XXXX  my report and my life. I do not want to have something like this and please help me and make investigation. Its misleading information for sure and I do not want to have it. Remove these accounts from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
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:
not mine ; FCRA : XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
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 collection letters I continued to recieve in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing 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 2019-08-09
Company: EQUIFAX, 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:
Multiple accounts that are incorrect are reporting on my credit file XXXX XXXX ( Original Creditor : ) XXXX XXXX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26
Company: Diversified Consultants, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The debt was reported to my Credit report with a start date three years after I paid the debt. I tried to get the account removed from my credit report. The collection company states that the dates are correct and this is a valet dept.I did not receive a written notice with an opportunity to depute the dept.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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 bought a jade pendant on the last day of a recent trip to XXXX using my Capital One XXXX card. 5 days later I contacted the XXXX store from the US wanting to return it. I felt the merchant won't cooperate so I wrote a long letter to Capital One explaining all my reasons for the return and my concerns. On XX/XX/XXXX, a lady of Capital One called me telling me to mail the pendant to XXXX and she issued me the credit. She said as long as the tracking shows it passed through the US custom, it'll be up to the merchant to prove they didn't receive it. So I spent the international postage, then wrote another long letter with the tracking #, photos of package etc. to Capital One. On XX/XX/XXXX, the merchant called saying that they received the package and need my credit card slip. I emailed photo of the slip to them right away. On XX/XX/XXXX, Capital One called me saying they reinstated the charge because the USPS tracking stops after the package left US. They need me to give them the proof that merchant received it. I was on the phone with Capital One for more than an hour, explaining that the merchant must have received it because they can only get my phone # from the package. I can show them my phone record of they called me and my email to them, but since they are not replying me I have no other way to prove it. I only mailed out the package per Capital One 's instruction. I spent so much time writing and sending them all the document I have. They made me incur all the mailing cost. I can't make up a XXXX phone call to myself. I can't make USPS track more for me. How can they ask me to prove the unprovable thing from my side after they told me it'd be up to the merchant to prove?! Capital One promised consumer protection. I did all I could in good faith. But they are not keeping up theirs.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-03
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am having trouble locating a release of a mortgage I refinanced out of that was previously through GMAC mortgage on XX/XX/XXXX. I've contacted the servicer that I recall was servicing the loan, OCWEN, which was unable to help us. They claim that they took on servicing in XXXX and had no records prior to that. GMAC mortgage went out of business or sold to various other parties after the refinance. We are unable to locate any party who is responsible for maintaining GMAC records closed prior to going out of business. We have contacted XXXX XXXX on advice of title insurer which believed that XXXX ( now XXXX XXXX ) took over many of the loans by GMAC.

We had to take out a personal undertaking with XXXX XXXX XXXX XXXX as a result of our inability to obtain the release. We are seeking assistance from the CFPB to assist in contacting OCWEN and other servicers to find who to contact for the release so we can discharge our potential future liability on the release.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On or about XX/XX/2021, I wrote a letter to Midland Credit Management asking them to stop calling me, and to stop calling my friends and family about a debt I do not owe them. I sent a letter to them at the following address : XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX, CA XXXX. However, over the past several months, I have continued to receive abusive calls and letters from them demanding payment. This company has also contacted my daughter and her husband about me, which I know they should not do, even though I am elderly. Please tell them to stop harassing me about this debt I do not owe them. 

Thank you. 

Kind regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-28
Company: EQUIFAX, INC.
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:
On XX/XX/2020 I wrote a letter to Equifax, requesting that they update a debt I had with XXXX to reflect a Zero balance. I sent them the payment receipt, letter from the Branch Manager where I had the service, and a letter requesting that they update my balance to reflect this debt has been settled. Equifax investigated, and left the debt the same. I settled the debt, and I expect my credit to reflect the update. I should not have to constantly write letters, and go on this site to have my information properly updated. XXXX and XXXX updated the information. Why is Equifax unwilling to update my balance with XXXX from XXXX to {$0.00}? The problem that I have with these credit bureaus is who are they verifying the debt with because why are consumers constantly complaining about these credit bureaus. Why am I able to settle the debt with the company, and provide them with the payment info, resolution letter, and they still refuse to remove this erroneous incorrect information from my credit report? 

I do not believe equifax even performed a thorough investigation into the debt or my documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: U.S. BANCORP
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Up until XXXX, every month when I paid my mortgage I would get an emailed receipt. Since XXXX I have been unable to get a receipt for my payment. I save the emails, and save the PDF receipt by month and year to ensure that I have all my records. I have reached out to the company twice now and they respond that they are aware of the issue and will resolve it at a later date, contacting me once it is resolved. I want my receipts, it is that simple. I want the PROOF that my payments have been made and there is XXXX excuse on why they can not provide me with my proof of payment. I get my statements without issue, shouldn't be an issue getting my receipts either. What is worse, when you contact them the system they use is external to their website so you have no record of the contact. Its as if they are attempting to hide the problem. Something is very wrong here.

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 2023-08-04
Company: Nathan & Nathan, P.C.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had a debt from XXXX that is currently with Nathan & Nathan. I contacted them to clear up the debt but I was told that they had to resend the debt back to XXXX because they can not collect on it. I am waiting for them to resend the debt back and it is seems like they are ignoring my concerns.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-03
Company: SYNCHRONY FINANCIAL
State: VA
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:
Inquiry for care credit I did not authorize.

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 2018-06-26
Company: EQUIFAX, INC.
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I recently obtained a copy of my credit report and you are currently reporting debt to my credit report and as allowed under the Fair Debt Collection Practices Act, I am requesting that you allow me to validate the alleged debt. Please provide me with a breakdown of all charges, dates of service and procedures given including fees associated. 
Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission for XXXX XXXX XXXX XXXX to release my medical information to a third party I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as follows ; Validation of Debt and HIPPA Authorization - Please provide a breakdown of fees including any collection costs and medical charges - Provide a copy of my signature with the provider of service to release my medical information to you - Cease any credit bureau reporting until debt has been validated by me Please send this information to my mailing address listed above and accept this letter as my formal debt validation request, which I am allowed under the FDCPA.

Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: Franklin Collection Service, 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:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
To whom it may concern, I have had my account charged off about a couple of months ago due to the fact I was not able to make payments. I just recently found out that I was affected by the XXXX breach causing all my information to be hacked and used by others. That is why I have had multiple unauthorized charges on my account and I have reported it multiple times but it still came back as valid. Then I found out I was one of the many affected by the XXXX breach and possibly Identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22
Company: CITIBANK, N.A.
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:
I paid my XXXX XXXX Credit card in full on XX/XX/XXXX for {$100.00} including a {$2.00} Interest charge per statement due date of XX/XX/XXXX. Then XXXX XXXX  assessed a {$2.00} interest charge on XX/XX/XXXX that I had no knowledge of. They then reported to the credit bureau that I was 60 days late on a {$2.00} interest charge. I have been a long time customer since XXXX and have only made 1 late payment of about 7 days late. When I called the Customer service department they waived the {$2.00} interest charge and late charge associated with the interest charge but refused to remove the derogatory remark from my credit score. The customer service rep was extremely rude and was laughing at me. I have never had interest show up after I have paid in full. This is completely ridiculous and unfair to ruin some ones credit for {$2.00}. This should have never taken place. XXXXXXXX XXXX  should remove the Derogatory remark immediately. My score dropped 110 points for this one Derogatory remark

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 2021-05-27
Company: ENCORE CAPITAL GROUP INC.
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
After 2 written letters to this company in the past year, multiple phone calls I have initiated and no answers ( Probably over 50 in total ), the company never has answered the calls and 2 complaints through this site the CFPB, I still have no resolution. The response was that they are accredited and they will no longer contact me via phone and will be direct mail only. This was never the issue, the issue is that they will not make/negotiate nor accept a lower amount of payment for the 2 accounts, nor respond to my written letters, nor can I contact them via phone call. This is ruining my credit and I will be contacting an attorney soon in the matter. They state that they are good with the XXXX and then I find this on the XXXX XXXX XXXX, Government Action : Consumer Financial Protection Bureau v Midland Credit Management Inc.. I want an immediate and financial amount to resolve the 2 accounts. The distraction techniques and ruining and extending my credit issues has gone on too long. I also will extend communication to the original creditors and explain the tactics, delaying and complicate behavior to them. My email address for immediate resolution is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
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 went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I called IRS and took measures. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknow, suspicious items I am not familiar with. Please remove these items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: KLS Financial Services, 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: Account information incorrect

Complaint:
The balance that was sent to kls should have been paid for by my Heath Insurance. And no claim has ever been sent nor has anyone sent anything to my home or contact me about this balance.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
First, I have been calling my point of contact with the executive office of Wells Fargo since XX/XX/XXXX and have not received a call back. That is over a month without being contacted back. Prior to this, I only sporadically heard from anyone - to include my home preservation specialist. Time is of the essence, I need assistance to become current and avoid foreclosure - and I can not get help because nobody will return my call. That is unacceptable. 

Second, I applied for the first loan modification we had submitted back in XXXX - XX/XX/XXXX and it did NOT include all sources of income we submitted for the application as a previous representative reported to me. First, XXXX XXXX, our first home preservation specialist, advised us to only put XXXX   income on the application for assistance and to send in ADDITIONAL non-borrower financial contribution sheets for XXXX ( wife ), XXXX mother and XXXX father who also lived in the household. That means THREE additional incomes were NOT included and they should have been, as rhag paperwork was sent in. While XXXX was unemployed, he was collecting both social security and VA retirement which equated to nearly {$3000.00}. XXXX worked full time with a monthly income of nearly {$6000.00}. Both XXXX parents contributed all of their income to the household which equated to nearly {$3500.00} a month. All of the supplemental paperwork was submitted for proof - I have copies and fax receipts. This means thousands of dollars of monthly income was submitted to Wells Fargo, yet not taken into consideration in the modification application. Why is Wells Fargo claiming none of these were sent and that only XXXX income was to be looked at? That is incorrect and lead to an incorrect loan modification denial ; which ultimately led to us filing for bankruptcy. Also, the application for assistance that has been uploaded on this thread for reference is blank. We did not send in a blank form. 

Next, we have submitted a new loan modification application for XXXX. I need assistance, as the reasons we were denied ; once again, are wrong. I have appealed this and sent in the proper appeal paperwork. There is several different incomes being reported. I am not longer in Chapter XXXX Bankruptcy and I am being denied a modification due to being in bankruptcy. 

Last, prior to the chapter XXXX Bankruptcy being dismissed, I tried to call and make a mortgage payment. I was told the bank would not accept another payment.

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