BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-29
Company: AFNI INC.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX is trying to collect on a fraudulently manufactured debt by XXXX. I got a call from XXXX and the representative who identified herself as XXXX said that if I did not pay them {$4500.00} right away that they would call my vendors and report me to credit bureaus and ruin my credit. The worker from XXXX said that they had an account number XXXX and that if I didn't pay {$4500.00} by wire today that I would then owe {$20000.00} and that they know I will pay because I am in XXXX XXXX  and my credit is priceless to me. I have no debts with XXXX and this is an extortion and collection scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX # XXXX Here is another account that I cant seem to get any answers from. I have been calling and sending them letters along with all there bureaus to solve this problem but no one is helping me. This account is being re-aged the date last payment has three different dates which one am I supposed to try to figure out where to start? Two different date of last payment which was in XXXX but somehow I am paying as agreed in XXXX and in XXXX? This is so wrong but I can get any answers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Equifax has not removed fraudulent accounts obtained in my name I have filed a police report and an FTC report for identity theft XXXX XXXX XXXX : {$300.00} XXXX XXXX XXXX : {$530.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
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:
this account has been in collection for years but still reports as an open account.. it's also showing payments being paid on time for the last 3 years then XX/XX/2018 it shows 120 days late. 3. also they haven't responded to my request for validation 4. this is an closed collection account still reporting a balance for XXXX. there should not be an account balance reporting on a closed collection account.

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 2017-08-01
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I got a promotional flyer with a new address packet that promoted a {$150.00} Balance Builder Bonus when opening a new One Deposit Checking Account. I went into this local branch and talked to XXXX XXXX about it on XXXX XXXX, 2017 and signed up for this checking account. XXXX went over the qualifications for this including him saying a {$500.00} deposit needed to be made within 60 days of the account opening, among other stipulations. I made the {$500.00} deposit that day, although the bank broke it up into 2 different deposits for some reason. The account was opened for the 90 days as stipulated, and I made a monthly deposit as required. I did not see the deposit so I called their customer service dept and was told it had to be a direct deposit of {$500.00} from an employer or other pay source. I stopped into the office and XXXX said that he would make sure I received the bonus, even if he gave me incorrect information because that was his fault, and to let him know if I do n't receive the bonus by the end of XXXX. I did not receive the bonus and emailed XXXX and on XXXX XXXX, 2017 he received notice the bonus was not triggered and he escalated the issue to a higher realm. I received a call on XXXX XXXX, 2017 from a the Resolution Department with Citizens. The woman 's name was XXXX ( spelling? ). She took the information and said she would contact the marketing department and get back to me. She called me back that same afternoon and said because I did not have a direct deposit from an employer I did not qualify for the promotion. I argued that I was told something different and she just kept repeating " You do not qualify for this promotion ''. I called XXXX XXXX at the local branch office and told him what I was told and he said he would send a problem ticket to another chairman and let them know of the situation. I have not heard anything from anyone since.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-30
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On or around XX/XX/XXXX, I received a bill from Navient stating I owed payment for a student loan that I started paying in XXXX and final payment around XX/XX/XXXX. When I called Navient, they claim they just bought the loan back ( I was not notified that they ever Didn't own it ). They claimed they had absolutely no record of any payments maid for this loan. They advised I would have to provide a letter from them stating the loan was paid in full. I did not receive any such letter. The website showed what the final payment was and I paid it. They claim they would not have any record of sending this letter because they just bought the loan back and this is the amount outstanding. Originally the lender was Sallie Mae, and then Navient. I believe federal law requires such records be kept of payments made. They refuse to provide any documentation or information beyond XX/XX/XXXX. As I stated earlier I started repaying the loan upon my graduation in XXXX. They must have some record of payments. I don't want to keep getting told I owe more because the loan was sold. They should be able to provide information on all those payments I made on a monthly basis beginning back in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09
Company: Rocky Mountain Recovery Group
State: OK
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
First, this company was repeatedly calling a friend whose number was not an authorized way for them to contact me. They called her multiple times daily over the past two weeks even after she told them not to contact her. She gave me their info and I callled them myself. The woman I spoke to refused to send me a statement of my debt on paper or any other form of validation of my debt. I tried to explain my medical situation to explain why I havent yet been able to pay and can not make a payment today. She refused to accept that I can not afford a payment at this time. She stated I was refusing to pay even though I can not pay. I said I would be happy to attempt to work something out in the near future and again asked for a statement to be mailed to me ; she again refused. She mocked my illness and insinuated I was lying about my situation. So again, two major issues : repeated calls to a third party, and they refused to send me validation of my debt so that I can plan for future payments ( or dispute the debt if it turns out not to be mine ).

Company response to consumer: Untimely response
Consumer complaint received 2020-06-01
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: Their investigation did not fix an error on your report

Complaint:
XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 120-180 ) days late on the XXXX  partial account numbers XXXX*** ; XXXX and XXXX. ( Please see pages attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2021-03-29
Company: FirstPoint Collection Resources
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This is in response to previous complaint # XXXX. First Point Collection Resources is in violation of several consumer rights under 15 USC 1692. I have attached the previous complaint with proof of each violation violated. I am demanding that they XXXX the balance on this account, delete it immediately from all consumer reports, as well as pay the attached invoice for each violation they violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: Atlantic Collection Agency, Inc.
State: CT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, Im shocked, surprised, stressed out both XXXX and XXXX to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I AM FURIOUS WITH WELLS FARGO AND THEIR CUSTOMER SERVICE. THIS ACCOUNT IS A FRAUDULENT ACCOUNT THAT OPENED AS A RESULT OF IDENTITY THEFT. I HAVE SUBMITTED ALL NECESSARY DOCUMENTATION TO REMOVE THIS FRAUDULENT ACCOUNT FROM MY CREDIT REPORT, AND THEY ARE REFUSING TO HELP ME WITH THIS MATTER. I HAVE SUBMITTED POLICE REPORT, FTC IDENTITY THEFT REPORT PROVING THAT I AM A VICTIM OF ID THEFT AND THIS ACCOUNT WAS OBTAINED FRAUDULENTLY USING MY PERSONAL INFORMATION.

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 2019-03-27
Company: Ocwen Financial Corporation
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I filed Chapter XXXX Bankruptcy in XXXX that's has been Discharged, in which I surrendered a residential property located at XXXX XXXX XXXX XXXX XXXX, WA XXXX back to Ocwen Loan Servicing LLC. Ocwen Loan Servicing refuses to remove my name from the deed of the property. So the City Tax office still have me as the owner of the property and billing me for the up keep of this property.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11
Company: TD BANK US HOLDING COMPANY
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Credit card company raised my interest rate without prior notification, late payment was noted incorrectly on my credit report in XX/XX/2017. I paid online and credit card company sent me to the credit buero for {$6.00} after NO MISSED PAYMENTS for 12 years. This was late payment was inaccurate, they raised my interest rate, without informing me of my rights or any disclosures. The law is you have to give the customer 60 days prior notification before you raise there rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Following a fraud investigation, my account was restored to a good standing. Received new cards in the mail ; however, the account was closed already. CapitalOne advised that the account was closed due to my request. I did not request this closure, I have NOT received the credit balance of over {$1300.00}, AND I wanted this account ( assuming the account number had been changed ) to remain open and active as I had discussed with the company representative on XX/XX/XXXX However, the closure of this account now places me any my family in an very disstressful situation that causes undue stress to continue to victimize the victims that have already spent the last year trying to overcome.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18
Company: EQUIFAX, INC.
State: PA
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:
XXXX XXXX XXXX XXXX is reporting that on XX/XX/2018 I applied for credit. This inquiry was not done with my authorization. I have contacted the company and asked for an investigation into the matter but have yet to receive a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: BSI Financial Holdings, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have BSI Financial Service for two Mortgage Loans. 1st mortgage ( XXXX ) and a 2nd Mortgage ( XXXX ) ... 

In XXXX, thru the investor on the account, we did a Restated Promissory note on the 2nd Mortgage ( XXXX ) and agreed to pay XXXX. The purpose was to bring the account, which it now is and to help get my credit cleaned up so I can refinance my loans. 

On XXXX BSI misapplied the XXXX to the 1st mortgage ( XXXX ). I have called this company over 20 times, working to make them understand that this XXXX was the first payment for the promissory note and I need it to be applied to the 2nd mortgage ( XXXX ). 

Over and over I have called them. Everyone I speak to says this and that. Everyone I speak to is like " oh my goodness '' we need to fix this ... Does it happen. No. No and NO. 

My " personal contact '' was XXXX XXXX. Who couldn't call me back if my life depended on it. So I have called to the investor and his staff to reach out to BSI to please Apply the XXXX received XXXX to Loan # XXXX and remove the XXXX late charge. Which They have done and were promised it would be handled. 

What does it take for a company to clean up their mistakes.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Equifax XXXX. XXXX XXXX XXXX, Ga XXXX Subject : Falsity of Facts XXXX. 2014 Dear Equifax Dispute Dept : XXXX XXXX is making this consumer complaint or complaining Equifax repeatedly and persistently targeted and subjecting him to false reporting and unfounded statements to date, that depicts a negative credit rating and unfavorable image of not credit worthy though Southern fascist ideas. As a direct result, cause or attributable consequences of your discriminatory behavior and unfair business practices were ( intended ) to ruin my good name and reputation by such defaming acts and improper publications posted by your credit reporting agency. These acts went unabated for three years to date evidentiary by XXXX XXXX undertaking retaliatory action against XXXX XXXX for reporting to FTC their violations of the law. Specifically, deliberately and intentionally reporting erroneous information about him or omitting the facts a lien was satisfied in his name but instead reporting lien as unsatisfied is gross fabrication ; evidentiary confirmation # XXXX on their Equifax Research Form. Second act of commission by the Equifax Agency ; gross fabrication of XXXX XXXX XXXX act XXXX to date. Clearly obvious and foreseeable this discriminatory behavior and unfair business practices of reporting erroneous information and unfounded statements are Standard Operating Procedure that permeates throughout Equifax. XXXX XXXX having proven with genuine material of facts, Equifax is responsible for the employees actions by engaging in or intentionally in pattern or practice of irregularities, procedural defects, by making XXXX XXXX the object or target and subjecting him and other XXXX XXXX to the there discriminatory behavior and unfair business practices to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Personal information incorrect

Complaint:
Upon my first time ever checking my credit back in XX/XX/XXXX, I noticed that there had been a hard inquiry on my credit, -now-removed- that I did not make, nor did I authorize. I had also noticed, that there was, and is currently an address on my credit report that I have never been associated with, and do not know of. 
Additionally, my birth date does not show up on my credit report. 
None of this could have possibly been me, as I was only XXXX years old at the time, and had never checked my credit, or applied for loans or credit cards of any type before. The reason that I had not reported this situation at the time of noticing the issue is that I was was not aware that it could be potential fraud, and had no further advisement as far as credit goes. 

Upon re-checking my credit in XX/XX/XXXX, now with more knowledge, I realized that there was still an incorrect address, no birth date, and that the hard inquiry had been removed from my credit report. However, I'd still like to dispute this and solve these issues. 

All in all, I've had an unauthorized hard inquiry, and still have an incorrect address, as well as a missing birth date for myself.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have these two collection accounts on my credit report from a company call portfolio recov assoc which i have never done business with. It appears those two accounts are original from two XXXX XXXX credit cards that i had more then seven ( 7 ) years ago and those accounts were charged off. Now, portfolio recov assoc started reporting both them on my credit on XX/XX/2018, one with the balance of {$2400.00} and the other {$1000.00}, they also appear on my credit as derogatory marks. The balances they are reporting are also incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
TransUnion LLC has violated United States Federal Law Gramm Leach Bliley Act 15 U.S. Code 6802, 6803, 6821 entire section of the Gramm Leach Bliley Act ( GLBA ). 
TransUnion LLC Has violated XXXX XXXX rights to privacy and shall be held criminally accountable with Prejudice! 

XXXX XXXX XXXX ALL RIGHTS RESERVED.

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