BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-22
Company: Ovation Financial Services, LLC
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
My Mother Passed XX/XX/2018 not knowing all of her affairs right away, the grief was overwhelming being an only child. when I was able to think and function I realized there was a loan on the House. I immediately contacted Ovation loans to get the ball rolling to have the loan transferred to my name. By XX/XX/2018 I had emailed them all the paper work they requested along with my check stubs and her death certificate and the documents they asked that I fill out.

To this date they have did nothing to have the loan transferred to me, I emailed them several time for the status of my case but they just keep asking for the same information nice that I've already sent. sometime in XX/XX/XXXX or XX/XX/XXXX my Uncle and I called to pay the loan off in full they refused to give us a payoff and wanted to add more fees and interest to the pay off, so intern we just paid XXXX in which they took half XXXX for interest XXXX for other fees and gave me only XXXX towards the principal. With no regard for the loss of my mother they have stalled to make the interest and other fees go up and to make it harder for me to catch up and maintain this loan. because of their neglect on processing my paperwork and request I owe much more than I would have had they efficiently processed my request in a timely manner and considered the fact that my only delay was having to bury my mother and learning of her affairs. In the process I had the deed transferred into my name. Now all of a sudden they have their legal dept calling me, I guess to threaten me. when I diligently made a genuine effort to take care of this loan

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
Company: Experian Information Solutions Inc.
State: AR
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:
Unauthorized inquiries on my credit report. Account statues is incorrect. Student loans are showing inaccurate.

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 2021-02-22
Company: CAVALRY INVESTMENTS, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXXXXXX Balance : {$0.00} CAVALRY PORT XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance : {$450.00} XXXX XXXX XXXX Balance : {$1200.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-03
Company: U.S. BANCORP
State: TN
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 writing to US BANK because I am having difficulties with buying a house and applying for new credit cards. I paid the collection and do not owe anything, but the mark in XXXX report prevents me from achieving the desired results. 
I am kindly requesting US BANK to remove this collection from my credit report as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and 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 explanation
Consumer complaint received 2020-12-03
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
There are five unauthorized inquiries on my credit file from XXXX. I have contacted the company in the past to inform them about the matter but I never get a response. I have no business with company and they shouldnt be accessing my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
There account reporting form CAPITAL ONE, is al ready paid. I ask you to remove it of my credit, is affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX a inquiry was made by my ex wife and i had no knowledge or did i give consent until i gained control of my XXXX XXXX account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
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:
MY IDENTITY WAS USED TO OBTAIN GOODS WITHOUT MY CONSENT OR KNOWLEDGE I DID NOT AT ANYTIME APPROVE OR WAS AWARE OF ANY SERVICES THAT THE PERSON WHO USE MY IDENTITYNTHE ACCOUNT WERE OPEN FRAUDGENTLY I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX XXXX. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2021-02-22
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I graduated school in XX/XX/XXXX with a balance of {$25000.00} +/- a few hundred dollars. I wasn't able to make the full payments to my loan servicer XXXX Sallie Mae then Navient ), and was granted several forbearances. I eventually was entered into an income driven plan. I have all the payment history printed from Navient. I have paid over {$16000.00} in the last 10 years and I still owe {$24000.00}. I have been making payments every month even with the government forbearance. I feel there is no way to ever pay these loans off. I would like someone to look over my loans. I have six different federal loans for my XXXX programs from XXXX. 
I would also like to know how my XXXX tax statement says that I paid in {$2300.00} in interest when according to their website, I have only paid in {$370.00}. Does that mean that while there is a government forbearance that they are still collecting interest? Any help would be appreciated. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I had my bank account closed in XXXX at Chase in XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, CA. I told the bank would have close my account due to funds not available too me because I have a payroll block ; on my payroll. I then started hearing about wildfires in CA, close to where I was banking, I then read in the California DBO Oversight ; these counties need to close their accounts, with the bank. I wait a while to see if the banker would have told me and never did, I then closed my account, in good terms with banker, at that moment, I asked if I could return back to the with bank after I close the account, and the banker stated ; yes. 

XX/XX/XXXX ; I went to open a Chase Secured account, and it was fine, the account was opened, and did not receive my debit card in the mail. I called, left messages,, and went to the bank located on XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX. I was told they are closing my account, and they don't known the reason why. 

I called Chase Customer Service number to find out why, she stated there is no reason, it's the banks decision, and I said so dose that mean to ever bank at Chase again. The Customer Service Rep, said yes. 

XX/XX/XXXX, I sent a twitter message to Chase Support. XX/XX/XXXX stating they are sorry and could find me in the system, I respond with my account number ; XX/XX/XXXX today, I received a twitter message to call Chase, I called and was not able create an account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
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: Account information incorrect

Complaint:
XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance : {$450.00} XXXX XXXX XXXXXXXX Balance : {$1200.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

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 2018-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 information incorrect

Complaint:
We started using XXXX XXXX XXXX in XX/XX/XXXX. This Account was on both my husbands credit report and on my credit report. It has been taken off my husbands credit report but is still on my credit report As of today XX/XX/XXXX it's still on my credit report. When XXXX XXXX sent them letters they responded Dispute Resolved / Consumer Disagrees. The company we are disputing is XXXX XXXX XXXX XXXX XXXX, the Account is paid off. So why is this still on my credit report and has been taken off my husbands credit report? My name is XXXX XXXX XXXX XXXX and my husbands name is 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 2019-08-22
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XX/XX/2017 someone living in XXXX opened a credit one card for {$400.00} using my social security number. I do not nor have I ever lived in XXXX. Credit one bank has the email and ip address of the person who opened it neither belong to me. They have since sold the account to XXXX XXXX XXXX. I tried to dispute this online because I thought anyone who looked into it would see that I have multiple credit cards that are always paid on time with much higher limits. Also I have never lived in XXXX. Now there is 2 negative accounts on my credit report. Credit one for {$400.00}, and Midland funding for {$830.00} that are both the result of identity theft. I have filed a police report that is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11
Company: Experian Information Solutions Inc.
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:
We started using XXXX XXXX in XX/XX/XXXX. This Account was on both my husbands credit report and on my credit report. It has been taken off my husbands credit report but is still on my credit report. As of today XX/XX/XXXX it's still on my credit report. When XXXX XXXX sent them letters they responded Dispute Resolved / Consumer Disagrees. The company we are disputing is XXXX XXXX XXXX XXXX  XXXX, the Account is paid off. So why is this still on my credit report and has been taken off my husbands credit report? My name is XXXX XXXX XXXX XXXX and my husbands name is 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 non-monetary relief
Consumer complaint received 2018-02-05
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA
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:
filed section 609 or verification was not verified and not deleted!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
Please see attached letter that i mailed to capital one. I had an agreement to have monthly payment deferred due to the pandemic. Some how my account was not adjusted and my account went late. I have sent detailed letter to capital one explaining the issue. I have been with them for 5 years and never missed a payment. Ive called capital one and asked for help on this issue.. And all she said to do was right a letter. They have not sent a response back and its been well over 30 days. Thank you for your help in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
To whom it may concern, I XXXX XXXX have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. Please investigate these matters and delete the disputed items as soon as possible.

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 2019-06-27
Company: Mid-Atlantic Finance Co., Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
I dont remember exact dates they have all the dates as they keep calling with dates. My car was totaled in an accident I had gap insurance. The insurance company contacted the leasing company they told them the amount due. They sent them a check for more than the amount owed. The finance company in turn sent me a check for the over payment. The finance company now continued to call and harass me that I owe them {$140.00} when they paid me out. Ive called them numerous times to stop harassing me and to close the account since the insurance company paid them what they said was due and they even sent me a check for the over payment. The finance company needs to be held accountable for harassing me when they were paid in full. They not only HarrAss me they harass my son who is currently serving in the XXXX with these non stop phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
Company: Collection Service, Inc.
State: AR
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I have previously filed a complaint ( XX/XX/19 ) about this company contacting me at work after I asked them not to. On XX/XX/2019, this company had me served with a lawsuit at my place of employment in front of my coworkers and supervisor. I request sanctions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
This nightmare began with with my trying to dispute simple information and ended up in them deleting the positive accounts like my XXXX XXXX to completely freezing my whole account. This caused me to lose a home i was try ing to purchase im at wits end and prepared to get an attorney to sue them.

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 2020-01-22
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
XX/XX/XXXX interest due if not paid in full. Interest was {$750.00}. I was told specifically several times upon calling there was none until XX/XX/XXXX due. I paid that 2 days ago. Who would leave am older same amount owed to let one axrue interest?? Then the lady called & talked down & degrading to me for having lost my job??!! I've been an on time fantastic customer for over a decade! Then she accuses me if threatening her & hangs up on me! They wrongfully charged me the {$750.00} interest & spoke down degrading to me. So 4 things : I was lied to, they set up on online account in my name so I would stop receiving bills in the mail ; they purposely made the {$750.00} interest charge ; they spoke down degrading to me. It is CareCredit. I see you already have had a case with them.

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 2017-08-03
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Around  XXXX     2016  , Commonwealth Financial Systems began r eporting a collection for  XXXX   XXXX   XXXX  for {$680.00}. I believe this was regarding an emergency room visit several years ago.     I do not have any debt to  XXXX   XXXX   XXXX  since my medical insurance covers ER visits. I feel this is probably a moot point anyway sin ce Commonwealth Financial appar ently is not licensed to collect debt in Florida. When I looked up their Florida consumer collection agency license, it stated in capital letters " REVOKED/VOID. '' I have disputed their information to  XXXX  twice and in both insta nces Commonwealth re plied the debt was " accurate, '' although without explanation as to how this was determined. And I 'm not sure how their able to report information to  XXXX  without a valid Florida license.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22
Company: EQUIFAX, INC.
State: IL
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: Was not notified of investigation status or results

Complaint:
Equifax has failed to send dispute results and is reporting the following items inaccurately ( see enclosed ). This violates the FCRA.

Company response to consumer: Closed with explanation