BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-20
Company: CAPITAL ONE FINANCIAL CORPORATION
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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ... XXXX XXXX XXXX XXXX ... CAPITAL ONE BANK USA XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
MIDLAND CREDIT MANAGEM has constantly call my place of businessXXXX have call several of my family members threaten them, after I went through the proper channels of challenging all three credit bureau having successfully have this removed they keep placing this item back on my credit report, they are calling from different numbers showing bogus names

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-11
Company: CURO Intermediate Holdings
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
An account was fraudulently opened with Speedycash by an identity thief and the debt was turned over to XXXX XXXX debt collection services and the collection agency will not remove the account from my credit report despite me filing a police report, providing the name of the assailant and signing an affidavit that the debt is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-10
Company: Experian Information Solutions Inc.
State: MO
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:
There's many inquires on my report inwhich I have no knowledge of and if I can not be provided with physical documentation of the following then I'm asking for them to be removed as stated in the FCRA rule of law, not to mention I been a victim of fraud, here are the following inquiries in dispute, # 1 ( XXXX XXXX, XX/XX/XXXX ), # 2 ( XXXX XXXX, XX/XX/XXXX ), # 3 ( XXXX XXXX, XX/XX/XXXX ), # 4 ( XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX ), # 5 ( XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-11
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX date open XX/XX/XXXX Date closed XX/XX/XXXX Account is to old to be reporting on credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-15
Company: Experian Information Solutions Inc.
State: FL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
on XX/XX/2020, i submitted my 2nd dispute letter to Experian regarding some questionable accounts that were being reported. they responded back, with what i believe to be a stall tactic or letter, stating that they were '' unable to honor '' my request for a dispute. As per the FCRA, i sent everything needed that identifies me. in addition, they even removed items in the previous month that i had disputed, which is why i believe this is a stall tactic on their behalf and that they do not want to remove items that they know they will not be able to verify.

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 2021-08-20
Company: ENOVA INTERNATIONAL, INC.
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with cash advance

Complaint:
A line of credit was taken in my name by FRAUD on XX/XX/XXXX - The company Cash Net USA will not remove the account, they are saying its not fraud - I have asked for sign loan documents they won't provide. I filed a police report did everything they ask yet still they are pursing me for this money and harrassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08
Company: Ocwen Financial Corporation
State: VA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
OCWEN Loan servicing on behalf of XXXX XXXX, engages in unethical business practices and predatory lending by offering loan modifications in lieu of foreclosure, that take complete advantage of the consumer. 

In XX/XX/XXXX, I was offered a modification ( Shared Appreciation to lower my principle balance ) that was acceptable to both me & Ocwen/XXXX XXXX when my Father died, and I became behind on the payments. I reinstated this loan as soon as I was working, and Ocwen/XXXX XXXX RECINDED the Shared appreciation reduction in the form of a {$50000.00} a balloon payment, AFTER having me declare it as income because the loan was current!! 
Still, I paid faithfully until XX/XX/XXXX when I lost my job. Since then, I have been working part time, and have " successfully qualified for a modification to have my loan remain current ; '' IF I make three " trial payments '' successfully. 

OCWEN/WF provided a trial monthly payment that was barely feasible, and I was to pay it on time for 3 months with NO INFORMATION ON THE " AGREEMENT '' I WAS PAYING TOWARDS! 

I successfully made the 3 trial payments ( XX/XX/XXXX-XX/XX/XXXX ) and was FINALLY sent the modification loan documents that had been previously withheld -- I REFUSE TO SIGN THIS AGREEMENT! IF I sign these papers, I will now have a new 30 year loan, AND a {$110000.00} balloon payment!!! 

When I inquired as to the loan balance on my current loan, they refused to give it to me, until a property inspection could be done!! 

OCWEN/XXXX XXXX makes it VERY clear in these new loan " modification documents '' that they do NOT have to make any such offer & will pursue foreclosure if I do not agree to the terms, unless I can reinstate the current loan ( that they refuse to tell me what I owe on )!!!! 

OCWEN/XXXX XXXX also added TENS OF THOUSANDS OF DOLLARS IN FEES to the loan balance! 

This is PREDATORY LENDING!!!! They have me in a very bad position with no choice other than to agree to these PREDATORY LENDING TERMS!! 

I would like someone to review this on my behalf -- XXXX XXXX has been shown to have unethical business practices in banking, and OCWEN is involved in a class action suit regarding their collection practices. 

I have absolutely no doubt the terms as they have been withheld & then presented ONLY AFTER I made 3 payments, violates a number of rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Account is reported as late, payment is up to date. Address was never changed for statement. Did not receive bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: DISCOVER BANK
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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... DISCOVERBANK XXXX ... XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13
Company: RUOFF MORTGAGE
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XX/XX/XXXX Ruoff Mortgage company denied my conventional loan which forced me to get an FHA loan. The reasoning they gave me for denying the conventional loan was a Sheriff sale on a previous home in my name. This is false. I have made many requests to obtain the information used to deny my loan from Ruoff Mortgage Co. so I can persue corrective action. Ruoff Mortgage Co. Refuses to send me any information they used to deny my loan. The FHA mortgage cost me a considerable amount of extra costs and monthly fees. 
I closed on the FHA loan on Friday XX/XX/XXXX. On Monday XX/XX/XXXX I attempted to make the first years interest payment to Ruoff Mortgage Co over the phone and they refused to accept the payment stating that " it will make it impossible to sell your loan if the buyer sees that you want to make large payments. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: Resurgent Capital Services L.P.
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
My name is XXXX XXXX XXXX and LVNV Funding and XXXX, XXXX and XXXX are using predatory debt collecting pratices to extract additional fund from by self because this company is a third party not orginator has falied to inform the Orginator of the payment that I have already made. With that being said this company vicious debt collecting pratices have taken steps to retrieve monies from my empolyer thought that court system. I am informing this Federal Agency that tactic is illegeal when paymenst have been made drectly to the orginator. I am in need of your direct assistance with this matter. 

Thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX, XXXX, and Exquifax have incorrect information on my credit reports. Old information problems with credit reporting credit score billing dispute. Accounts status when closed or delinquent or write off still on credit report.As of XX/XX/2018 my Credit Score is XXXX I have a balance {$8900.00} for what? Credit Accounts 20, Closed Account 18,  Open Account 2 What 2 accounts have not any accounts open in years. No delinquent accounts. Derogatory 8. Inquires in 2 years 8. I need help getting this situation right.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Lawsuit with Wells Fargo charging customers fees.

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 2020-06-24
Company: Experian Information Solutions 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 was checking my credit report today XX/XX/2020 because I was going to apply for a loan but I saw eleven accounts on my credit report that do not belong to me ; I had no idea these accounts were on my credit before today because I never gave anyone permission to open them in my name nor did I ever sign any contract or agreement with any of the companies I listed on this report. I am not affiliated to any of these companies and I did not give them permission to run or access my credit information. I did not benefit anything from these accounts that were opened in my name without my permission such as money, goods, services or any other benefit and I did not make any payments towards any of the balanced on these accounts. I don't know who could have got a hold of my personal information to open these accounts but I have already filed a police report in hopes of getting these unauthorized accounts resolved.

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 2020-06-24
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 was checking my credit report today XX/XX/2020 because I was going to apply for a loan but I saw eleven accounts on my credit report that do not belong to me ; I had no idea these accounts were on my credit before today because I never gave anyone permission to open them in my name nor did I ever sign any contract or agreement with any of the companies I listed on this report. I am not affiliated to any of these companies and I did not give them permission to run or access my credit information. I did not benefit anything from these accounts that were opened in my name without my permission such as money, goods, services or any other benefit and I did not make any payments towards any of the balanced on these accounts. I don't know who could have got a hold of my personal information to open these accounts but I have already filed a police report in hopes of getting these unauthorized accounts resolved.

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 2019-01-26
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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: Account status incorrect

Complaint:
Attached please find [ 4 ] Form XXXX issued by USAA wherein they make notice of " Cancellation of Debt ''. Each of the XXXX relates to the following USAA Credit Card accounts which I have repeatedly disputed. USAA : # XXXX, USAA : # XXXX, USAA # XXXX, USAA : # XXXX. Each dispute was met by USAA 's claimthat they verified the account as accurate. Recently, I received refund checks from USAA related to these accounts. I was told USAA had not handled my disputes properly and had in fact overcharged these accounts on numerous occasions. The USAA revelations came about due to complaints to Consumer Financial Protection Bureau, a subsequent investigation, and settlement agreement with CFPB wherein certain USAA members would be reimbursed for USAA 's errant ways. As the attached XXXX will attest, USAA has abandoned all claim to the referenced accounts and cancelled the debt associated with each. Nonethereless, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and others continue to report innacurate information related to my credit report. The continued publication and dissimination of this inaccurate credit information is a manifest injustice. Next, I have been unable to " get verified '' by XXXX XXXX, XXXX   or XXXX in order to obtain a code to temporarily lift my credit freeze. TO say I have been led down a primrose path in my multiple attempts is an understatement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
My husband and I were moving from one city to another and we decided to stop at Walmart to buy a hammer before arriving at the new apartment. It was around XXXX XXXX. When we got back to the car, the passenger window was forced and my purse with all our documents -including passports, social security cards, and driver licenses were stolen. The police told us that it was common in the area. 

We reported the situation to the credit bureaus but after 6 months three credit cards were opened using our information. 

A TJMaxx card was opened using my information, I discovered that in XX/XX/2020. Since that moment I have been trying to remove this card from my report and has been impossible.

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 2018-10-09
Company: Richard T. Smith, PC dba Smith Cavin & Corbin, LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Closing Date. XX/XX/18 Settlement Agent. Smith Cavin & Corbin , LLC File # XXXX Property. XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Seller : XXXX XXXX XXXX I'm filing a complaint regrading the monies awarded to the realtors by the settlement agent. Each realtor was to receive {$3100.00} according to the Closing Disclosure and a verbal agreement. Instead the realtors, XXXX and XXXX XXXX XXXX received {$6300.00} each. We tried contacting the parties involved but haven't received a response. We agreed to 6 % commission to be devided between the two realtors. At closing the settlement agent changed the amount agreed upon without our knowledge. Neither a final Closing Disclosure or an admendment were forward to us.The settlement agent also informed us that we didn't have to be present at closing. My mother recently relocated to Delaware due to medical conditions. I would appreciate CFPB looking in this serious matter. Thank you. 


Sincerely XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I have disputed the late payment status reported on the account XXXX XXXX with the credit bureau for several attempts, to no avail.. They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP

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 2019-01-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
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:
I applied for a Venture Rewards Card with Capital One on XX/XX/19 ... I have excellent credit, above 800 according to my credit reports. Capital One promptly denied my application. I do not have any other cards with Capital One. Today, XX/XX/19, I received their stated reason for my credit denial - that I have too many cards opened within the last 24 months according to a XXXX Report. I then checked my XXXX report ( through XXXX XXXX ) and it only listed me as having 2 credit accounts listed as opened within the last 24 months. I then called Capital One for them to explain to me the reasons of the denial. They tried to tell me to contact the Credit agency - when I said I already reviewed my XXXX  report, they told me to contact all agencies. It seemed like they were trying to make up excuses for not approving the application. Then they said they were going to transfer me to a credit specialist and kept me on hold for 40 minutes and then hung up on me. I believe that Captial One targets people with lower credit scores so that they can make money on the accounts and doesn't want me as a customer because they are unlikely to exploit me due to my high credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Over draft fees missing money

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