BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-25
Company: LAKEVIEW LOAN SERVICING, LLC
State: WA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
this has been doing on for the last 3 years. 
My loan has been moved around. LakeView and XXXX XXXX. 
I paid over the amount to reinstate my home back in XXXX 2017. At that time- the extra money was to be applied to current and future payments. Instead, the payments got applied to fees that dont have any explanation to them. Over over $ 4k dollars. 
There was a payment on my account around {$1600.00} that has never been applied, My ex wife is still on my loan- and I have been told several times this would be resolved and taken care of- and still has not. 
I filed bankruptcy to save my house. Money was applied and yet never shows up. I was told there is yet another sell date of the XXXX of XXXX. 

Also- on some documents it is showing that my interest on my loan is in the 5 % range. Not sure when this happened. As well as two different amounts for the payment. One from XXXX XXXX and another from Lake View. Not sure which one is which and why there are two.

Myself as well as my attorney have tried to get the pay off amount and never were able to get that amount. Also when we filed bankruptcy the loans continued to serve me with sale date notices.

At this point I don't even know where to turn or to get answers. When the trustee and attorney aren't able to get clear information- I am in need of your help

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 2016-09-30
Company: Convergent Resources, Inc.
State: AL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I keep getting calls from Convergent a debt collector about a past due bill with XXXX. I do have services with XXXX, but my account with them is valid and not late. Now my oldest son opened an account with XXXX in my name without my consent and I 'm assuming this is what the delinquent account is for. The amount is for XXXX. My current account number with XXXX cable is XXXX for XXXX where I have reside for the past 14 years and this account has been opened for the past 4 or five years. The XXXX addresses that my son lived at was XXXX, AL XXXX and XXXX, AL XXXX. Again I 'm urging this company through this site that I never lived there nor did I give my son permission to open these accounts in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Back in XXXX, PayPal sent me an email to put my account with limitations and asked me to take action. I followed all steps and provided all my personal information and other banking accounts statements, then PayPal closed my accounts WITHOUT any notification nor explanation. Also Im not allowed to open any new account with my name. Its very unacceptable!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-25
Company: Receivable Solutions, Inc.
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My husband and I owed XXXX XXXX medical bills and some of it were sent to the collections agency RECEIVABLE SOLUTIONS. In both patients, we had XXXX   auto-debit our bank account. On my account, I have Receivable Solutions auto-debit my bank account. My husband 's collection agency amount was not on auto-debit nor was it being paid because XXXX XXXX told him not to worry about it for now and not to pay it. Our medical bills go back late XXXX to XXXX. In any case, on XX/XX/XXXX, I went online to pay ALL OF WHAT WE OWE XXXX XXXX - both my husband 's and mine. Then, on XX/XX/XXXX, I called Receivable Solutions directly and asked for the grand total of his account and how much longer did we have to pay for it. I do not remember the actual figure but it was not {$900.00}, it was less. I was told that if I pay right then and there, that they were going to give me a 20 % discount and it totaled to {$700.00}. I PAID IT and I kept asking the person if I owe anymore for his account and I was assured that ALL WAS PAID OFF. Today, XX/XX/XXXX, I go to see my husband 's XXXX XXXX online account was showing that we still owe Receivable Solutions {$230.00}. I called them right away and I was even told that the actual amount we owe them still was {$760.00}! That they made a mistake and missed an account ( charges )! Meanwhile, we had received NO documentation, NO communication from them about it. It was a surprise. And furthermore, to my horror, they did the same thing with my account with them! After I fully paid my husband 's amount that we owe them, I next fully paid mine. And my XXXX XXXX online account today was showing that I still owe them money! It is ridiculous! We received NO CALLS, NO COMMUNICATIONS, NO DOCUMENTATION of said " mistakes. '' Please help us. We are good payers and we are regular hard-working people. I believe Receivable Solutions is scamming us. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent in multiple letters on XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
XXXX XXXX XXXX XXXX ( g ) validation of debt XXXX XXXX XXXX XXXX harassment and abuse XXXX XXXX XXXX XXXX False or misleading representations XXXX XXXX XXXX XXXX practices Under XXXX XXXX XXXX XXXX civil liability

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 2019-03-13
Company: EQUIFAX, INC.
State: AZ
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've secured hard alerts on my credit file but old accounts are still showing on ONLY Equifax. They are the source of my breach and I suspect internal reasons are the cause of my damaging credit still reporting. 

Law enforcement has been notified, my lawyer as well as other agencies already corrected this old issue. 

This will be handled to the fullest extent of the law I've provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-05
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:
Update my personal info, Delete all the accounts violating the FCRA and reporting inaccurate information and delete all unauthorized inquiries

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 2022-10-11
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Equifax, in writing, requested that I provide additional information to verify my identity. Per their latter to me, dated XX/XX/2022, my identity does NOT match the information that they have on file. 

This is preventing me from establishing an online account with them, so their response makes no sense. 

When attempting to create an online account, this is the message that is displayed : " We can't complete your request at this time. Please call the Customer Care team and mention error code NH. '' I have attempted to resolve this multiple times over the phone and each time I call in they say they are having technical difficulties. 

I need a full credit report from them and what they are reporting as my credit score. I had a negative outcome when a service provider issued a soft credit check with them and the result was negative. I need to determine why this is happening. I can not do so if I can not access my account online and I have not been able to resolve this by calling. 

I have sent the requested information via the USPS - Tracking number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
Company: EQUIFAX, INC.
State: AZ
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:
It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that needs to be removed in my file : 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 response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
Company: EQUIFAX, INC.
State: MD
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 # XXXX Inaccurate reporting showing different dates of last activity, also showing different dates of opening and last dates report on all XXXX major credit reporting agencies. 
account showing a past due amount of {$490.00}. 
why is this account being reported inaccurately. 
this is a violation of the FCRA section 15 use 1681 2 ( a ) ( 1 ) ( F ) and is also in violation of requisite METRO2 Compliance implemented with the XXXX  enacted CDIA Metro 2 compliance regulations, I have a right to a fair and accurate credit report and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above mentioned derogatory items be investigated and permanently removed from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Ok so I've been having lots of issues with citizens bank, I switched from one bank to them, since then I had to have new debit card after card issued because of fraud charges on my account, after a bunch of this happening I called them yet again 3 separate times on this one occasion in which I told them to block all purchases on my account and lock the account so nothing more could be done on my account, and was told they would investigate it all, in return no investigation was ever done by them, and they left the account actively going, they allowed charges after charges to try to be made on the account so they could rack up over draft fees and returned payment fees late fees and monthly service fees on my account, they kept sending me and still do send me threatening letters in the mail that I have to pay for it, I sent in a complaint to the credit bureau and it was investigated and the credit bureau agreed it was fraudulent charges on my account, they removed that account off of my credit report, yet citizens bank is still sending me threatening letters and have reported me to the XXXX and are now blocking me from opening an account with someone else, yet I tested to see if I could open a new account with citizens bank and yet I can, just they are blocking me from banking with someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-29
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Citi Group has made a decision to end its business relation with companies that engage in the manufacture, and or distribution of firearms and or firearm components that Citi Group has arbitrarily decided do not serve a legitimate public interest. As a client of said company and a tax payer, my resources are used to support Citi Group entities through FDIC and other safeguards where public and private money is used to benefit the interests of Citi Group. Citi Group, as a business entity which is the benefactor of public resources, should not be attempting to implement public policy. It should not engage in the practice of strong arming clients who are engaged in lawful, and Constitutionally protected commerce.

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 2021-08-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Facts : I XXXX XXXX am a consumer as defined by 15 USC 1692a ( 3 ).

CAPITAL ONE is a creditor as defined by 15 USC 1692a ( 4 ). 

CAPITAL ONE alleges that I XXXX XXXX owe them a debt as defined by 15 USC 1692a ( 5 ). 

CAPITAL ONE is a corporation whose residence is in the state of UTAH. 

XXXX XXXX is a natural person whose residence is in the state of CONNECTICUT. 

We are still within the statute of limitations for this case as the company in question is still violating my rights as a consumer willfully after being asked to stop since XXXX of XXXX and XXXX of XXXX. 

CAPITAL ONE has failed to supply any contract signed by me validating these claims. 

CAPITAL ONE has no record of payments or signature form that this account belongs to me and has provided none to me on request and has no record of dated payments to any of the credit bureaus and data furnishers as of XXXX. 

CAPITAL ONE has not recognized my claim of fraud and unauthorized use as defined by 15 USC 1602 ( p ) protecting me as a consumer from any unauthorized use of the card as stated in 15 USC 1603a ( 1 ) limiting my damages to {$50.00}.

ALLEGATIONS/COMPLAINT : -CAPITAL ONE in an attempt to collect on this alleged debt has violated 15 USC 1692 ( b ) by communicating with third parties about this alleged debt without expressed consent of myself the consumer. They have shared this debt with numerous credit data furnishers and sold this alleged debt to another entity a junk debt buyer violating 15 USC 1692c ( 1 ) and 15 USC 1692c ( 2 ) without verifying its validity after I the consumer notified them in writing that this alleged debt was not mine and I was taking steps to investigate it personally.

-CAPITAL ONE in an attempt to collect on this debt has sent letters threatening to ruin my reputation by sharing my private information violating 15 USC 1692d ( 1 ). 

- CAPITAL ONE have caused my phone to ring repeatedly at work and on my personal phone even after I asked them to stop violating 15 USC 1692d ( 5 ) and 15 USC 1692e ( 8 ) by threatening to communicate to other persons and credit data furnishers information which I believe to be false.

-CAPITAL ONE has ignored my cease and desist request and willfully caused me stress and emotional anguish as well along with the reprocussions of a damaged credit reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
I discovered an issue with my credit report back on XXXX. I have called TransUnion over 7 times since then and have spoken with ( XXXX, XXXX, XXXX, XXXX, XXXX, and a few others whose names I did not get. TransUnion had hung up on me multiple times with no real help. TransUnion is the only credit bureau to claim I owe {$1700.00} in student loans. When I contacted DEPT OF ED / XXXX to inquire if there were any loans in my name they assured me back on XXXX that was not true. According to the DEPT OF ED / XXXX my account was reported closed ( PAID IN FULL ) on XX/XX/2017. Not only had DEPT OF ED / XXXX assured me that my account was closed but that they had not received anything from TransUnion in regards to a dispute or anything. On XXXX at XXXX XXXX  DEPT OF ED / XXXX said that since they had not received anything but they would send something to TransUnion letting them know that I was paid in full as of XX/XX/2017 and it should be taken care of by that FridayXXXX at XXXX I checked my credit score and nothing had changed, when I called TransUnion I got no more information. XXXX ( the last person I spoke to ) could only tell me that they had sent a dispute to DEPT OF ED / XXXX and they are waiting for them to reply. When I had informed him that on XXXX at XXXX XXXX the DEPT OF ED / XXXX had sent them a dispute on my behalf XXXX proceded to only tell me they sent a dispute to DEPT OF ED / XXXX and they were waiting for them to respond.

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 2020-07-20
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 went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that I needed to act. I pulled my credit report and there are many fraudulent accounts that do that belong to me. Please remove these fraudulent accounts from my report XXXX XXXX {$230.00}

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 2021-05-06
Company: Experian Information Solutions Inc.
State: NC
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 have reviewed a copy of my credit report and I show company XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.

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 2022-10-10
Company: Experian Information Solutions Inc.
State: SC
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Creditor : XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX  ), Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX  ), Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ), Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ), Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ), Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX, Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX ), Account : XXXX Reason XXXX Delete this unverified and inaccurate 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 non-monetary relief
Consumer complaint received 2021-08-18
Company: WELLS FARGO & COMPANY
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach 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 non-monetary relief