BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-14
Company: January Technologies, Inc
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company January has started emailing me repeated threats in an attempt to force me to enter into a contract with them.

I have never provided January with my personal and private information including email address, phone, or any information regarding my private credit transactions past or present. 

This is a formal notice of dispute and a cease and desist. I find this very embarrassing and humiliating to be contacted on my work email that are harassing. This is a violation of my consumer rights. Per the Heroes act, I should not be targeted, punished, or have my credit profile negatively affected by an agency who is clearly breaking my right to privacy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
Company: ENCORE CAPITAL GROUP INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have been in a lot of stress with my credit report. Mid last year, I checked that my credit report had a 'serious delinquency ' mark on my XXXX XXXX credit report. Upon investigation, I learnt that it was because of a credit card issued by XXXX XXXX ( Clothing retail company ). The amont was {$310.00}. I called XXXX XXXX and was able to file a dispute. This was cleared later the same year, a month after I filed the dispute. 

So, I had never used the XXXX XXXX casr for any purchases and therefore I beleive they were able to clear it out. 

That same amount then showed up with the original creditor name XXXX XXXX ( Midland Credit Manag ). I got that too cleared from XXXX XXXX. 

The amount still still shows in my XXXX  Credit report and XXXX  credit report. 

I need help in clearing this out. My understanding is that if the XXXX XXXX was able to signal me green, why has not this been communicated to all the relevant bodies. 

I have not been able to apply and have any credit approved because of this deregatory remark and failing approval cycles has further made my credit look bad.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: Experian Information Solutions Inc.
State: NJ
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 follow up to my complaint that wasn't resolved but marked prematurely. 

this information is incorrect. 

I understand that the company has sent over information, they have not properly validated this debt they sent information verifying the item, but the inaccuracies on my credit report are still present and with FCRA laws breaks the reporting act as willingly and openly reporting inaccurately to the credit bureau 's IF they were " UNAWARE '' of the " Indirect '' letters ' who was showing the information was verified who was sending information to the credit bureaus XXXX XXXX was. For example. XXXX XXXX Stated my Account was CLOSED XX/XX/2017 through inaccurate reporting I have late payment in XXXX and XXXX but you can not report late payments after an account is closed. in the month of XXXX and XXXX I have duplicate " 90 day late '' which is both inaccurate and Violates FCRA, XXXX XXXX, -date reported incorrect, -Charge off listed as a collection -Payment after charge off / collection -and listing account information incorrect and not showing the full account number. - XXXX XXXX has violated Fair debt collection practices act. - XXXX XXXX has not given their method of verification as well.

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 2020-03-05
Company: Mr. Cooper Group Inc.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mortgage Modification Plan 1st Payment of 3 consecutive payments was made XX/XX/XXXX XXXX Payment of 3 was scheduled for XX/XX/XXXX but never taken from my checking. Mortgagee said there had been a stop payment issued, and said my Mortgage Modification Plan was in default and therefore denied. 

No stop payment was issued by anyone on the account. I appealed their decision on XX/XX/XXXX. I have not heard any follow up or decision regarding my appeal. As of XX/XX/XXXX my home is in foreclosure status. My account has been referred to their attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I have contacted Santander Consumer USA in request to try and work with my situation as I have been laid off and unable to pay my car loan. Matter of fact, this vehicle has BEEN SOLD to a dealership but as they have failed to payoff the loan, I have been making sure the loan is still getting paid. After I have expressed to Santander that I have lost my job and need assistance ; more than just a month or two extension, they have refused to help. I have even submitted multiple investigation requests in investigating the dealership this was sold to and they have done nothing about this and denied my claim every single time. 
AT THIS POINT, THIS LOAN NEEDS TO BE WRITTEN OFF AND ME TAKEN OFF THE ACCOUNT. THIS CAR DOES NOT BELONG TO ME ANYMORE. I DO NOT POSSESS THIS VEHICLE ANYMORE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: ERC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Im filing a complaint against The Company ERC collections. They are fraudulently claiming I owe them money from a previous XXXX XXXX XXXX  XXXX account. I have never had service with either company. ERC has my name, social security number and my address, my phone number which was fraudulently obtained. I dont own this account theyre talking about. The reference number for the fake account is XXXX. Im emotionally distraught because my personal information has been stolen by them and theyre trying to get {$530.00} from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Dear Transunion, I checked my personal credit report, which I acquired from your company onXX/XX/XXXX and I noticed that a FRAUDULENT inquiry that had been made on XX/XX/XXXX is still being reported on my credit report.

I contacted XXXX XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXX they can not see the inquiry and so they can not remove something that isnt there.

I request that you initiate a REINVESTIGATION into XXXX XXXX XXXX  (XX/XX/XXXX ) inquiry on my credit report to determine who authorized this hard inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. ( Do not send me anything via US mail. ) Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT.

If you find the inquiry referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry. Thank you for your assistance in this matter.

Very Respectfully, 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 2023-10-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
For the entire year I've been pleading with capital one to offer me a repayment plan for my XXXX accounts with them that I could actually afford. To date, capital one has REFUSED to offer me terms that are realistic, resulting in me missing payment after payment. Of course this has resulted in repeated negative hits on my credit report. It has become clear that capital one has NO INTENTION of helping me. Instead, capital one CONTINUES TO CHARGE MY ACCOUNT OVER THE LIMIT FEES, not because i personally went over the limit, MY ACCOUNTS ARE OVER THE LIMIT BECAUSE OF THE FEES. So in short, capital one is getting rich off of my inability to make my payments. I have been enduring SEVERE FINANCIAL DISTRESS for all of 2023. They continue to mail me letters with payment amounts that i can not make. I would like to add that capital one is the only creditor that I am behind on payments with. All my other creditors have removed the interest and lowered the payments, and I haven't missed any payments with any of those bills. Capitol one refuses to work with me. I have filed complaints in the past, but NO ONE is holding capital one responsible for anything... and I want to know why. If capital one removed all interest and late fees, and offered a repayment plan, let 's say {$50.00} on each account, I could likely be able to manage that. Instead, they are asking for payment amounts I just don't have. I am self employed and can never anticipate my income. If it weren't for my husband paying the mortgage with his pension, I would be homeless. XXXX is enough with capital one and their heartless practices. I can't afford small claims court, or even to fix my car to get there, even if i wanted to. Yet, capital one is getting rich off of the suffering of others!!! Moving forward, I am going to make small payments, and I know it won't be enough, but until capital one offers a solution that is actually something I can afford, they will get what they get from me. I will NEVER call the customer service number again, because they are useless, and only offer terms that i can not meet. It is past time for someone to hold capital one responsible, especially since there are so many customers like me with the same complaint. Before the pandemic and my current financial strain, I had always made my payments on time with capital one, and now that i am in a dire financial position, they just don't care, as CAPITAL ONE CONTINUES TO PROFIT OFF OF THE SUFFERING OF OTHERS, which should be considered criminal!!!!! I hope that someone finally puts an end to this insanity!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Equifax ; XXXX and XXXX  are reporting incorrectly that I am ( 120 ) days late on the XXXX/XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) This account was paid in full in XXXX, 2019 in the amount of {$7700.00}. I have attached a copy of my checking account log verifying payment of same. This incorrect reporting is harming my credit score and this line item needs to be updated to report accurately. I have contacted the ( 3 ) bureaus to fix this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08
Company: Experian Information Solutions 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 was told by the credit bureaus to send in the proper paperwork to get the accounts removed. I sent the paperwork 6 months ago and still no 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 non-monetary relief
Consumer complaint received 2022-03-15
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Hello, On XX/XX/2022, I was contacted by a friend via XXXX. She talked about an investment opportunity called " XXXX XXXX '' and talked about how it worked for her. She send " proof '' of how everything worked. After this, she send my information to another person to contact me. I was talked into investing, as both persons were talking to me at the same time via XXXX messages ; knowingly that I was supposedly talking to a friend, I trusted it. Not being confident enough to trust the methods they used, I was forced to use the XXXX XXXX and sent {$2000.00} dlls ( on XX/XX/2022 ). to the contact my friend send me. After this, I was asked to send more money for some " mining fee '' so that I can withdraw the earnings, so I started hesitating. I then tried to contact my friend and the other person to the number she gave me for the XXXX deposit and I couldn't reach them. After a couple of hours, I was blocked from both accounts and both profiles were deleted. Apparently, both XXXX users were hacked and another person was using them ( they were real accounts, with pictures from years and they were on my contacts list ). I was scammed. 

Immediately, I filled a claim with my bank ( Wells Fargo ) the next day, but after 2 weeks their response was that nothing can be done. 

I also filled a complaint with the FBI ( XXXX ) and I report the number to XXXX, because knowing the name and cellphone number they sent me to use the XXXX XXXX, I got information about where the person was registered.

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 2023-09-20
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2023-10-11
Company: Home Loan Center, Inc.
State: VA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
The website took me to lenders who have a history of stealing people 's information and don't intend on approving the percentage of applicants they say they approve. They recommended websites with ads and cookies I didn't want that were also spam. I now have a hard inquiry on my report because of their falsehood. I was told a soft pull. They lied multiple times. The lenders took my information and kept contacting me for months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
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:
I have disputed the account for XXXX XXXX listed on my XXXX XXXX and Equifax credit report! They are reporting that I owe a balance of {$3600.00} when I have provided documents from the original creditor XXXX XXXX showing that the account was paid in full. I paid {$1900.00} as requested and XXXX XXXX assured in writing that the account would be paid in full and closed no further collection activity however ; XXXX XXXX keeps reporting a balance owing of {$3600.00}. I have provided the settlement letter and yet these two creditors still have no updated my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: EQUIFAX, INC.
State: NV
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 are not my accounts on 4 submitted reports to the FTC. Additionally, there is a name added that's not mine and most of them exceed 7 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I've never lived in California. I was not the individual who lived at XXXX suits I lived in a different XXXX suits In XXXX nv. In 2018 I lived in XXXX XXXX XXXX did not pay an nv energy in not good at messing but I want to fix wrong information is affecting me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-16
Company: CITIZENS FINANCIAL GROUP, INC.
State: SD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
From XX/XX/XXXX to present day I have been having significant issues with my mortgage company known as Citizens at this time. They were initially Citizens One but now go by Citizens, who are affiliated with Citizen 's Bank and my mortgage company has mailed me several letters with different aliases that I have kept in a personal file. There is also a $ XXXX line of credit or second mortgage that was taken out on my mortgage that I did not authorize or get any notification regarding this. there were 3 amounts of {$9900.00} added on my mortgage account. I've also made many payments that have various 'other ' fees attached to them and when I called Citizens , no one was able to give me an answer or get me in touch with a supervisor or someone in a managing position regarding my payments, missing funds, errors in my escrow account, multiple payments etc. I've been battling with this company for a year now and know there is and has been fraudulent activity taking place. Also, my mortgage company reported me to the Credit Bureau on XX/XX/XXXX when I have a recorded phone call on XX/XX/XXXX stating they wouldn't and paper documents promising they wouldn't for a late payment on XX/XX/XXXX which was caused due to my termination of employment. After they reported me to the Credit Bureau, my credit was significantly damaged by this and in my field of work, good credit is a requirement. This company has not only stolen money from me, put me through financial hardship and emotional distressing/trauma, but they have impacted my career and how I make a living. 

Amounts and dates regarding payments to Citizens- {$1200.00} paid XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX - {$1200.00} paid XX/XX/XXXX and XX/XX/XXXX - {$1200.00} paid XX/XX/XXXX - {$1100.00} paid XX/XX/XXXX - {$1200.00} paid XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - {$240.00} paid XX/XX/XXXX and XX/XX/XXXX - {$2900.00} paid XX/XX/XXXX - {$2800.00} paid XX/XX/XXXX - {$630.00} paid XX/XX/XXXX - {$990.00} paid XX/XX/XXXX - {$390.00} paid XX/XX/XXXX {$9900.00} x XXXX added to my mortgage account within no authorization from me, the property owner and only person authorized on this account. 

Please help me get justice and stop this company from doing this to me and possibly many others/families.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I filed a dispute with TransUnion requesting that inaccurate information be removed from my credit report. It has been beyond 30 days and they have not returned any results or corrected the issues. 

1. XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX Please remove it from my credit report. 
2. XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX Please remove it from my credit report. 
3. XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX Please remove it from my credit report. 
4. XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX Please remove it from my credit report. 
5. BANK XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX Please remove it from my credit report. 
6. XXXX XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX Please remove it from my credit report. 
7. XXXX XXXX  XXXX Account Number XXXX Date Opened XX/XX/XXXX Please remove it from my credit report

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