BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-13
Company: EQUIFAX, 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:
On XX/XX/XXXX I sent a certified letter to XXXX XXXX containing a signed document and an Affidavit confirming the identity theft on said accounts. I paid {$9.00} to mail this packet to XXXX XXXX. XXXX XXXX # XXXX XXXX XXXX On XX/XX/XXXX I sent a certified letter to XXXX  containing a signed document and an Affidavit confirming the identity theft on said accounts. I paid {$9.00} to mail this packet to XXXX. XXXX # XXXX XXXX XXXX XXXX On XX/XX/XXXX I sent a certified letter to Equifax containing a signed document and an Affidavit confirming the identity theft on said accounts. I paid {$9.00} to mail this packet to Equifax. Equifax # XXXX XXXX XXXX On XX/XX/XXXX I received confirmation that XXXX XXXX received the certified packet and on XX/XX/XXXX I received confirmation that XXXX  and Equifax received the certified packet that I sent. 

On XX/XX/XXXX I paid my credit monitoring website, XXXX a fee of {$29.00} to refresh my credit reports with all three credit bureaus. The fraudulent accounts with each respective credit bureau have not been removed and are causing my FICO Scores to report inaccurate.Additionally, this is causing a strain on my health with my XXXX and XXXX levels. 

On XX/XX/XXXX I am submitting a request to Consumer Finance Protection Bureau to  assist me in this urgent matter and clear this up as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
This is the worst company they find ways to make you late to charge fees and ruin your credit. I had XXXX but I contacted company and they assured me that they will work out a payment arrangement to avoid me from being late. They lied they then said I could establish a automatic pay out of my checking account to avoid late fees and late report. I want to close this account but don't want this bad history on my credit report. This is the only card that I have that are very misleading to their customers. I just don't want this visa card anymore because this is the worst credit card to have.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
these accounts don't belong to me. 
Please see below the list of accounts that are reporting derogatory on all credit reporting agencies : 1. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Experian should not be reporting that I am ( 60-150 ) days late on the XXXX XXXXXXXX partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this 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 2019-01-13
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:
On XX/XX/XXXX I sent a certified letter to Trans Union containing a signed document and an Affidavit confirming the identity theft on said accounts. I paid {$9.00} to mail this packet to Trans Union. Trans Union # XXXX XXXX XXXX On XX/XX/XXXX I sent a certified letter to XXXX  containing a signed document and an Affidavit confirming the identity theft on said accounts. I paid {$9.00} to mail this packet to XXXX. XXXX # XXXX XXXX XXXX XXXX On XX/XX/XXXX I sent a certified letter to XXXX containing a signed document and an Affidavit confirming the identity theft on said accounts. I paid {$9.00} to mail this packet to XXXX. XXXX  # XXXX XXXX XXXX On XX/XX/XXXX I received confirmation that Trans Union received the certified packet and on XX/XX/XXXX I received confirmation that XXXX and XXXX  received the certified packet that I sent. On XX/XX/XXXX I paid my credit monitoring website, XXXX a fee of {$29.00} to refresh my credit reports with all three credit bureaus. The fraudulent accounts with each respective credit bureau have not been removed and are causing my FICO Scores to report inaccurate.Additionally, this is causing a strain on my health with my XXXX and XXXX   levels. On XX/XX/XXXX I am submitting a request to Consumer Finance Protection Bureau to assist me in this urgent matter and clear this up 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 explanation
Consumer complaint received 2020-10-12
Company: Receivables Performance Management, LLC
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:
I contacted XXXX  via telephone XX/XX/2020, after XXXX XXXX notified me of a negative collection on my account. I also received a statement from RPM aka Receivables Performance Management Company late XXXX in which I responded by US mail stating I did not owe this debt and show me your proof. I still have not received a response from RPM When I spoke with customer service at XXXX, I was told it this negative collection by RPM was removed and put back on my credit file at at the request of RPM Company. At that point, I asked to speak with a supervisor. A supervisor named XXXX took my call. Told me it was not up to them to verify information. I told him that was incorrect. There job is to verify consumer information. Told him I mailed XXXX  a package with all my receipts and pertinent information that validates my claim. I gave him the USPS tracking number and he said they never received it and continued to tell me to work it out with RPM Company. This supervisor with XXXX  had a strong foreign accent as did the first XXXX  employee who assisted me and it appeared to me this people were from another country handling the calls and had no experience and gave me wrong information. They are supposed to verify all information from me and the collector which they did not do. 

XXXX/ supervisor with XXXX told me I must have sent my package to wrong address. It was mailed with tracking to their XXXX. XXXX XXXX - XXXX, PA, which I verified with him. Still he said they never received it. I am at wits end for this has affected my credit file. XXXX  will not place this collection on my credit file because they could not verify RPM Company 's collection on me. My credit score with XXXX  is excellent but XXXX  continues to defy my requests to get documentation from RPM company concerning this so called debt they claim I owe.

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: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
A card was open in my name with capital one bank using my information without my knowledge. I reported it to capital one bank. They close the card ending in XXXX and open a card ending in XXXX. 

I was out of the US for two years. The account was open while I was in XXXX ( XXXX ). I suspect my sister as I left her in my home to care for my daughter while I was away. But she denies it. I reported it to the police. 

Please close all credit card accounts in my name as they are fraudulent accounts. 

Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25
Company: MARINER FINANCE, LLC
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
Mariner Finance sent me a check for the amount of XXXX so I deposited it in my account. I accepted the loan and made payments, but I had no idea that interest was applied to the loan every day, I thought the interest was per year. I recently made a payment of XXXX $ out of which XXXX $ went to a late fee and XXXX $ was applied to interest. This should not be allowed to happen, this is predatory lending at its extreme and should be reported.

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 2018-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
In XXXX, I sent in a complaint against Transunion. On XXXX ; I receive a score that has low my credit score. They are saying that the 5 late payment is what is doing it. That is wrong because I was caught up in XXXX and current now for the last four month. My Redin score has been going up send XXXX and now they are saying it doing down due to that. I feel that I am been retaliate cause of my complain in XXXX with theXXXX How can I be going up and now Down for something that happen four month ago. I am current with XXXX and has the receipt to show itLook into them you been over 30 late in giving me an response to file # XXXX investigate plus my update was not suppose to have been until XXXX. Why the XXXX. Secondly, I want all of the there are three closed account that need to be take off XXXX and XXXX it been over 10 years. XXXX need to Showa balance of XXXX paid it off on XXXX. Fact they are 30 Days overupdate me on my complaint.

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 2020-10-12
Company: WAKEFIELD & ASSOCIATES, INC.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have a " debt '' with Wakefield and Associates in Colorado. The debt is for {$860.00} for a medical bill in XXXX Arizona with AZ XXXX XXXX on XX/XX/2017. The amount they are saying I specifically owe is the exact amount that my insurance stated it ALREADY paid for the debt. All we owed was {$60.00} co-pay. I logged into the hospital website, viewed the bill, and it stated that my bill has already been paid in full. I faxed documents to the collections and they state that this is not the same bill that I owe ( which is incorrect as I've only been to this hospital one time ). They continually harass and state I owe a bill already paid and use language that it will hurt my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
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: Information belongs to someone else

Complaint:
On XX/XX/XXXX I received a letter from XXXX/personal loans dated XXXX XXXX XXXX XXXX '' thankyou for applying for a XXXX personal loan on XX/XX/XXXX '' .I NEVER applied for a personal loan through XXXX or its affiliates.This is fraud.I did have a XXXX card with no balance and early XXXX during breakout of covid-19 pandemic, XXXX closed my account citing inactivity.I did call XXXX at XXXX on XX/XX/XXXX at XXXX and spoke with XXXX.She took some information and stated that it was a soft pull and I shouldnt worry and transferred me to Bank fraud Unit at XXXXMy call with XXXX ended at XXXX statement to me is wrong about the personal loan i never applied for.When she transferred me to bank fraud unit, the bank fraud unit was closed.Recently, In XX/XX/XXXX, someone used my personal info to commit fraud at a XXXX through XXXX to purchase a cell phone.This was fraud.Why almost a year later im getting a letter from XXXX???? .Therefore, I never applied for a personal loan from XXXX/personal loans.THIS IS FRAUD

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 2019-01-13
Company: HYUNDAI CAPITAL AMERICA
State: NY
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 am thoroughly annoyed and words can not describe how angry I am. I recently complained about XXXX XXXX XXXX in terms of my 2014 lease. I went to court, contacted a lawyer, and complained to CFPB to have them remove information from my credit report regarding end of lease payments. Everything was resolved and they agreed that they were at fault and removed negative comments and adjusted my amount owed. I paid the amount due ( XXXX reference # XXXX ) and thought that all was well. In complete shock, my credit score has dropped 53 points. Went to check the reason and it was XXXX XXXX XXXX reporting that I have not paid the amount due and that it is now in collections. I filed a previous complaint thinking that they made a mistake and reported that I did not pay my car payment on time, yet it was this same XXXX  XXXX XXXX. This nightmare with this lease will not end and I am at my wits head. I need this company to remedy this situation as soon as possible. This is outrageous and I am unclear as to what kind of individuals are working at this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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 I went onto Capital One online to check my score through there credit wise there were Credit inquiries on my report that I don't recognize because I never authorized any of them or signed anything giving anyone any right to run my credit on the following hard pulls I am being accused of. 

XX/XX/XXXX XXXX through XXXX  XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX all on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-13
Company: JPMORGAN CHASE & CO.
State: NY
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:
Hello I recently was looking at my score through chase today on XX/XX/XXXX and noticed it had way to many hard inquires. There should be about 7 total for some reason there is more. The odd part is the last 3 months it says I have 3 inquiries. I called Chase customer service they said they can not tell me what these Inquiries were but to write letters and explain you did not authorize or sign anything in the past 6 months for any Inquiry 's that they would remove them once they looked into it.

I did not make any Inquiry 's since I bought something summer of XXXX at XXXX XXXX ( XXXX XXXX XXXX was opened ) anything after that is inaccurate and I would kindly ask to be removed from file and whomever is giving that report. As it is not accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-12
Company: SUN AMERICAN MORTGAGE
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a XXXX loan to buy a home thru Sun American Mortgage here in Arizona back in XXXX of this year, the loan officers name is XXXX XXXX. during the course of the entire loan process clear up to and past the date of closing XXXX XXXX kept reassuring me that everything was ok and that the electronic underwriting went thru with no problems. I entered into a prepossession with the seller and moved into the home on XX/XX/XXXX. 
I paid all fees, appraisal and follow up appraisal {$750.00} also paid for repairs and materials in order to correct appraisal deficiencies, painted exterior of house, applied base trim sealed areas that were exposed and paid to have interior baseboard heaters installed, my total expenses have exceeded over {$3000.00} to date. all the while I have also paid {$850.00} each month for rent to the seller Mr XXXX XXXX. the close date was set for the XX/XX/XXXX and as I stated before XXXX XXXX stated that there were no problems that would stop the close on that date. it took 5 days past the close date for XXXX XXXX to call me with a final decision and that it was determined that I was too high of a risk and the loan was denied. when I spoke to XXXX XXXX she stated and I quote " since you have no rental history, your fianc XXXX XXXX 's rental history was used, unfortunately since she had a negative history the decision was that you are too high of a risk for a mortgage loan ''. XXXX XXXX has no reason for even being a basis for decision as she is not even a co applicant on my loan, they had no business using her information against me. XXXX XXXX falsified documents stating that the decision letter was mailed to me on the XX/XX/XXXX, I have photographic evidence of every piece of mail I received from the postal service and no letter or correspondence at all came from XXXX XXXX, in fact I didn't receive a copy of that decision until I was served with notice of eviction on XX/XX/XXXX. XXXX XXXX should not have manipulated the electronic underwriting, she had 5 months to research every detail needed for my XXXX loan, I am now facing homelessness and have had all my finances drained in this matter. Any assistance in this matter would be greatly appreciated.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-13
Company: Ocwen Financial Corporation
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am a victim of trafficking for debt bondage for a debt that I did not benefit from. There is a instrument identified as XXXX XXXX XXXX that has been recorded without my authority and without the acquisition of XXXX XXXX XXXX XXXX, the holder in due course. I need XXXX XXXX XXXX XXXX and its successor Ocwen Loan Servicing to provide information regarding its involvement in which has transacted business without my authority. ( See Attachment Trust Deed ) History XXXX XXXX XXXX XXXX ( acquired by Ocwen Loan Servicing, llc sometime in 2011 ) recorded a Trust Deed Document # XXXX XXXX which purports it was the attorney in fact for XXXX. 

Question # 1 : Was XXXX the attorney in fact for XXXX? If yes, inform me as to how XXXX obtained the account? i.e. : XXXX purchased an asset? AND from whom? i.e. XXXX XXXX and XXXX, XXXX XXXX ( a holdings company ) a private party, private broker or other? 

Question # 2 What is the exact description of the property involved? e.g. real estate immovable, land and building property OR tangible personal property? ( vessel, furniture, fixtures, tools, machinery, household appliances, signs, equipment, leasehold improvements,  supplies, leased equipment, and any other equipment ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18
Company: JPMORGAN CHASE & CO.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Through a bad XXXX. I was left with a few credit cards and a lot of debt. I had 2 cards with chase Total was XXXX. On the phone with chase they accepted a settlement payment of XXXX. Which i drove to a chase branch and paid in full on XX/XX/2016 Bank told me it was all clear and account closed. But it is still showing on my credit report as unpaid. With multiple attempts calling chase and they found the problem twice as of to why it wasent reported clear which was a mistake on their part they promised to have this clear off of my credit report. And its still on my report. I dont know what else to do. This account has definitely been paid in full per their settlement agreement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-14
Company: AMERICAN EXPRESS COMPANY
State: AL
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:
I have a American Express serve card that XXXX XXXX gave to me and they closed my account for no reason given they told to write a letter I just want my money I have over XXXX dollars in there

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-13
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I filed a dispute on XX/XX/18 and XX/XX/18. They both stated that the information reported to them was accurate but I submitted checks that were written and cashed by the company during that time that were not updated on the report. I also sent confirmation of the original creditor never sending me to collections. They also had the wrong payment dates and amounts. Nothing has been done.

Company response to consumer: Closed with explanation