BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-09
Company: SCA Collections, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Debt Collector : SCA XXXX - XXXX, XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NC XXXX Creditor : XXXX XXXX XXXX XXXX # : XXXX {$200.00} Client # : XXXX Debt was incurred on or about XX/XX/XXXX, for one component of a XXXX diagnostic procedure. Out of all the individual parts of the procedure, we paid the XXXX and the hospital, but somehow did not pay - or did not know we had to pay - the XXXX XXXX. This debt went into collection with SCA collection for {$200.00}. 

During the time period of XXXX XXXX XXXX, we were XXXX overseas to XXXX as an XXXX XXXX XXXX XXXX on the XXXX XXXX XXXX Base. We were careful to maintain all US phone numbers, email addresses, and set up mail forwarding. 

SCA Collections attempted to contact us one single time around early XXXX, via mail ( to a mailing address that was last used in XX/XX/XXXX and for which the US Postal Service no longer forwarded mail. No further attempts were made to contact us, via phone, email, or to our new address - although not confirmed, it is the practice of the US Postal Service to return these unsent pieces of mail. I suspect SCA received the returned mail. 

Instead of making any further attempts to contact us, SCA reported this to the credit bureaus. 

This is a violation of 15 USC 1692 Ch 808 as making a debt report to the credit bureaus with no reasonable attempt to contact the debtor is a violation. This is especially egregious considering the report was made due to overseas 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 2019-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Today, XX/XX/2019 I received an email from XXXX XXXX   stating that I applied for a credit with XXXX XXXX   XXXX FL XXXX which I did not do.

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 2021-07-14
Company: HUNTINGTON NATIONAL BANK, THE
State: IN
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
In XXXX of XXXX my payment went up from XXXX a month to XXXX a month. I called and they said my local county tax office reported the wrong taxes for XXXX and they paid a shortage from my escrow to cover the taxes. I contacted my county office and they had not reported incorrectly, and reported exactly what they should had. They sent me the documents for my home. And told me to call Huntington Bank back and work out the issue with them as it is not their issue. I have been calling Huntington for the last 5 months and it still has not been explained to me why they are taking an extra XXXX dollars a month from me. If it was for back taxes that by the way they pay for me. My annual tax bill is XXXX ( not exact but around XXXX, XXXX ) the XXXX a month they have already took, is more then enough to cover they debt they say I owe, even though they are the ones that is suppose to be keeping this on track and correct. They have another XXXX scheduled for XXXX and I need a detailed explaination, and documentation proof of this increase, and a date when this shortcoming will be finished. I can't and won't pay this for the house I have, its not worth being broke for.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-13
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: Account information incorrect

Complaint:
Disputed Inquiries with all three credit reporting agencies. Called XXXX XXXX  over 60 days ago they recognized as fraud through XXXX and sent Inquiry removal letter to myself and XXXX   XXXX, and Exquifax. I sent letter from XXXX to all three credit reporting agencies to have removed. Equifax only one Refusing to  remove after receiving letter from XXXX and myself. 

1. XXXX XXXX  XXXX, XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 
2. XXXX XXXX XXXX, XXXX A Inquiry from XX/XX/XXXX National Credit Card Cos. 
3. XXXX XXXX  XXXX, XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 
4. XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX All Banks 5.XXXX  XXXX  XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX National Credit Card Cos.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
Company: BMW Financial Services NA, LLC
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
In XXXX of 2015 I purchased a used XXXX XXXX. after making 3 payments I was asked by XXXX to start making my payments through XXXX XXXX. Now It has been 18 months later and they sent someone to repossess my car. I have made the payments and they don't have them and I contacted XXXX XXXX and they said that XXXX did receive them. Now I am to turn the vehicle in or contempt charges will be filed against. I have made my payments the payments but no one will listen to me. Please help me resolve this matter. I have contacted XXXX XXXX and they have sent me to XXXX Remissions. It is quite ironic that their post office box is in XXXX, KY and so is the mailing address of 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 2019-01-13
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I continue to try to explain to the Navient Student loan payment center that I'm just not able to repay my loans. If I could I would. They continue to add charges to increase what is owed on my loans. I am living off of XXXX XXXX  XXXX. I barely have enough income to pay for daily living expenses. I continue to get calls or reminders although I have continued explaining my situation. My dream of becoming a XXXX XXXX was lost after having a car accident which basically took my life away, at least the one I worked hard to try to get. I just simply can not afford to make any payments. I need to have all of these loans forgiven if possible. I had excellent credit at one time and I now have horrible credit. This upsets me and the whole situation has also affected my XXXX XXXX. I am under the care of a XXXX. The more they continue to ask for payments always increases my XXXX   and XXXX XXXX. I'm just not able to pay these loans. My life changed dramatically after a car accident. I basically lost everything.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: Experian Information Solutions 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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX  XXXX {$690.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
called ocwen loan servicing after receiving notice mortgage going up {$40.00} per month amount requested for escrow was {$470.00} i sent {$570.00} mortgage still went up asked what amount i could sent to keep mortgage same as it was {$730.00} no one answers question calledXX/XX/XXXXXX/XX/XXXX XX/XX/XXXX.spoke to same person5 times names given XXXX XXXX XXXX  ( male ) XXXX said continue paying original amount i asked for written statement saying that have not received anything.i now have surplus in escrow. i just want to know money needed to keep mortgage sameXXXX i'm just getting run around

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 2019-01-13
Company: Ocwen Financial Corporation
State: OH
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:
After a house fire that i had in XX/XX/XXXX, I had home owners insurance with Owen which I paid and they did not found this out when I had a fire. They reinstated my policy then charged me to send my money to me. They kept XXXX dollars. While I was fighting for my insurance in XX/XX/XXXX XXXX had a freak storm and with out my sup pump to empty my flooding house it was finished and was commend. XX/XX/XXXX Ocwen filed for foreclosure proceedings. I had in fact paid of my loan. In XX/XX/XXXX in the court of XXXX my loan was in fact paid in full and on XX/XX/XXXX it was drooped and they had to pay court cost and everything else cause they lied. So instead of reporting on my credit report as paid in full they said it was a charge off.I want this corrected. It is a shame how the treat veterans and everyone else.

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 2018-05-12
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:
Called creditor they agreed to remove this account from my profile, It has been 60 days and they have not done so XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Potentially Negative Account Name XXXX XXXXXXXX Account # XXXX Account Type Banks and S & Ls Balance {$0.00} Past Due {$0.00} Date Opened XX/XX/XXXX Account Status Open Mo. Payment {$0.00} Payment Status 90 days past due High Balance {$950.00} Limit {$750.00} Terms Comments XX/XX/XXXXXX/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 explanation
Consumer complaint received 2021-07-14
Company: CITIBANK, N.A.
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I WANT MY MONEY BACK I HAVE BEEN WAITING 5 MONTHS I HAVE MADE POLICE REPORTS BUT THE WAY THE CAMERA WAS POINTED DID CATCH THE THIEF.SO THEY COULD NOT CHARGE NOBODY.

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 2020-07-06
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:
all ftc violations enclosed : XXXX XXXX XXXX  XXXX  XXXX XXXX  XXXX/XXXX  XXXX  XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Card Opened by the Thief Company or Organization : XXXX XXXX Account XXXX Credit Card Opened by the Thief Company or Organization : XXXX XXXX XXXX ( all ) Credit Card Opened by the Thief Company or Organization : XXXX XXXX XXXX Credit Card Opened by the Thief Company or Organization : XXXX  ( all ) Credit Card Opened by the Thief Company or Organization : XXXX  XXXX XXXX  NEED MY CREDIT TO UNLOCK TO SEE ALL THE INFORMATION COULD BE MORE

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
Company: Genesis Credit Management, LLC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I lived an a apartment from XX/XX/XXXX-XX/XX/XXXX. I gave the apartment manger one month notice I was moving out and paid last months rent. She came after me and out my account in collections. The lease she has submitted is dated for XXXX, but my signatures are from XXXX. She has 4-5 different cleaning charges with no picture proof of why I was charged several different times, which needs to be submitted for these to be accurate. They have tried to collect over 7k from me and all my credit agency 's but XXXX have removed it because the documents do not make sense. I have tried to talk to company and they have literally screamed and cursed at me. They used to call me all day every day until I told them harassment would not be tolerated. I have asked them to take me to court and they will not because the documents they have are falsified. I contacted the old property manager and she is in jail for attempting murder on her boyfriend. I need this situation looked into, as it is effecting my rental ability for charges that are fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: Experian Information Solutions Inc.
State: TN
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:
THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANIES DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
many credit card on my three bureau that i knew nothing of write the three credit bureau no one response base on the 609 law it is illegal to report item on someone credit without the proper document. ssn # XXXX. thank you

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 2021-07-14
Company: FIRST MIDWEST BANCORP, 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:
A checking account that was supposed to be closed, was not closed. As a result, I was charged fees for account maintenance. The monthly fee took the account into an overdraft status. The account was charged off. 

When I later went to open an account with the same bank, I was advised that I had a delinquent account. The management reversed fees. I agreed to pay half. They agreed to remove the reporting from XXXX consumer report. It also should be noted that the account was reported XXXX on my XXXX as well. So not only should the account not have been reported at all, but it should not have been reported twice.

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 2020-11-05
Company: MRS BPO, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX apparently was given my closed XXXX account to collect a Balance. At the time we switched to a much less expensive service I personally verified that there remained no open balance on the account. We were later sent boxes to return XXXX XXXX 's equipment which was also done. 

I was notified of a drop in my credit score which was abnormal. My score hovered around perfect and had suddenly dropped by over 100 points despite my having no unpaid balance other than my mortgage and no late payments. I found XXXX  XXXX on the credit report as an account in collection for {$750.00} and in small print a notation re XXXX XXXX. I submitted a dispute through XXXX. They closed the dispute saying XXXX  XXXX had certified it was proper. However if looking at the XXXX report today there is no longer anything shown for XXXX XXXX. I also checked XXXX  and did find XXXX XXXX. I've spent a lifetime making every effort to keep a high credit score and to be negatively impacted for a debt I don't owe just seems criminal.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
A dispute with XXXX  XXXX XXXX about reporting of a foreclosure on a HELOC account was corrected by XXXX. They sent all 3 credit reporting companies a letter to correct the account. XXXX  and XXXX   understood the letter and corrected our accounts. Equifax did not make proper corrections. They made the change to show the HELOC charged off, but they did not remove all of the 180-day late postings back to XX/XX/XXXX, as they should have. They are still incorrectly showing 180-day late for every month through XX/XX/XXXX. They sent us a letter stating that they made changes based on XXXX responses, but they clearly didn't read the letter closely. 

Refer to CFPB dispute number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
After a house fire that i had in XX/XX/XXXX, I had home owners insurance with XXXX which I paid and they did not found this out when I had a fire. They reinstated my policy then charged me to send my money to me. They kept XXXX dollars. While I was fighting for my insurance in XX/XX/XXXX XXXX had a freak storm and with out my sup pump to empty my flooding house it was finished and was commend. XX/XX/XXXX XXXX filed for foreclosure proceedings. I had in fact paid of my loan. In XX/XX/XXXX in the court of XXXX my loan was in fact paid in full and on XX/XX/XXXX it was drooped and they had to pay court cost and everything else cause they lied. So instead of reporting on my credit report as paid in full they said it was a charge off.I want this corrected. It is a shame how the treat veterans and everyone else.

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 2018-06-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 Day LATE PAYMENT - XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-13
Company: EQUIFAX, INC.
State: TN
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:
THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANIES DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: CITIBANK, N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
hi I went to the XXXX XXXX new york branch on XX/XX/XXXX and opened the business checking account with promotion of deposit the {$50000.00} for 60 days and get {$1000.00} bonus.my business checking account ( XXXX ), money market account ( XXXX ) I signed XXXX forms and deposit the check on XX/XX/XXXX and move the money out on XXXX XXXX, but until today XX/XX/XXXX, i still did not get the bonus as promised. i have emailed the banker since XXXX, XXXX, and she opened the case for me, but still no result. i have emailed and called several times asking for the bonus, no result in the end.. which is very upset

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 2021-07-14
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 XXXX was paid and it is supposed to be deleted 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
Consumer complaint received 2018-02-23
Company: Rocket Mortgage, LLC
State: WV
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:
Quicken loans XX/XX/2017 Did a hard inquiry on my report and said I told them it was fine, I was shopping around for a lower rate but didnt talk to anyone or meet, said I would get up to 3 free offers and when I clicked on them they han it and didnt think they would do that. Talked to them and said well you did and we wont remove it.

Company response to consumer: Closed with explanation