BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-11
Company: Experian Information Solutions 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:
XXXX ; Experian and XXXX should not be reporting a collection/chargeoff in the amount of {$7.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account was paid in 2015. I contacted a customer service representative with XXXX XXXX XXXX regarding this outstanding balance. I was never sent a bill nor did anyone ever contact me about any outstanding balance. I did not know that this account had gone to collections until I obtained my most recent copy of my credit report. This account needs to report a {$0.00} balance. This false reporting of a chargeoff is seriously harming my credit score and this line item needs to be updated and/or removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on a 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 2021-07-08
Company: EQUIFAX, INC.
State: SC
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:
Unauthorized use of credit report. Sent letters to dispute items to bureaus on XX/XX/2021 and have not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My ex-boy friend purchased furniture at XXXX 's XX/XX/2016 I have been receiving calls from a debit collector and found the debit is in my name. I am working with XXXX XXXX at Midland Credit Management on a dispute. He gave me this email address www.ftc.gov and asked that I report it with the Federal Trade Commission then I was directed to this web site cfpb.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
Company: AES/PHEAA
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found 180 days late payment on the dates XX/XX/XXXX to XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 recently disputed with Transunion the XXXX XXXX XXXX XXXX entry that was reflected on my credit report ( see attached credit report ) and their response was that the entry was verified. To that end, I disputed immediately with XXXX XXXX XXXX XXXX. The response from XXXX XXXX XXXX XXXX, that is the reporting agency for this account answered my dispute by indeed stating that they were informing all credit bureaus to delete the account from their records and that they were also closing the account with their agency and ceasing all collection activity. This account entry should be deleted immediately from my Transunion credit report. 

Upon deletion, Transunion needs to provide a full, current, copy of my credit report that reflects the deletion of this entry.

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 2023-01-11
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Good Evening Let me start thank you for being a resource. I will be brief I started off mailing OCWEN mortgage payments via postal service beginning of month but come end of the month they weren't being posted on time which was causing late fees and also being reported late to Credit Bureau. Which caused concern since this method of payment didn't work I suggested setting up Auto payment with them figuring this would solve issue to no avail now I still having issues One minute I'm current the next they're not requesting payment from bank on time but telling me I'm current submitting bogus reporting to Credit Bureaus. 
Please Help XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
On XX/XX/2018 I received a vmail from XXXX XXXX ... she left all types of information on my voicemail the voicemail was stated as " XXXX XXXX my name is XXXX XXXX compliance officer contacting you in reference to your pending case being filed. By Law I have to make you aware that once case XXXX is filed it will become a matter of public record and there is an order of location issued for you. Since I was unable to reach you by telephone. I was instructed to contact the employer and speak with the supervisor as it looks like this is now a place of location to bill your negligence on your end on this case. Now you do have the legal right to contact the filing party that is responsible for handling your case with any questions. However XXXX please be advised once the case is discharged from their office all rights are to be forfeited the phone number listed on your paperwork to contact their office with any questions is XXXX XXXX XXXX you have been legally notified by telephone and i will have you located unless I am told otherwise. Good Luck. '' You cant contact people like this and what if that wasnt my voicemail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-08
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have twice made the request that Experian provide me with a description of how the reinvestigation was conducted along with the business name, address, and telephone number of the furnisher of information, of a particular account being reported on my credit report. 

Experian repeatedly ignores my inquiry and re-inserts the disputed account on my credit report without providing the required verification supporting records or statements.

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 2019-10-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 status incorrect

Complaint:
Dear CFPB, I tried to fix an abusive and incorrect information that XXXX and Bank of America is reporting the account ending in xxxxxxxxxxxx XXXX as Charge-off. Debt included in or discharged through Bankruptcy Chapter XXXX on XX/XX/XXXX. The limnit was XXXX, and highest balance was {$11000.00}. 
On XXXX  I can see that : Balance {$11000.00} Credit Limit {$7500.00} Available Credit $ XXXX ( How is possible to have negative availability when my dept wast discharged through Bankruptcy Chapter  XXXX by Court of Law on XXXX, XXXX? I never heard about that some/ or an institution to be above Law? 

The XXXX updated my report with the above account on XX/XX/XXXX as Charge-off. In my humble opinion I believe that are they trying to overrule a Federal Law and to reinstall an account that was closed many years ago and included in Bankruptcy. 

My Info Regarding Bankruptcy : US BKPT CT CA XXXX XXXX Bankruptcy chapter XXXXdischarged Original filing date : XX/XX/XXXX Latest status date : XX/XX/XXXX Account Info Reference Number XXXX Court US BKPT CT CA XXXX XXXX  Contact Info of : BANK OF AMERICA XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX info : XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX I believe the above account was closed back in XXXX-XXXX and for sure the dept was included and discharged through Bankruptcy and any dept was dissolved and approved by Court of Law back on XXXX. By Law I owe {$0.00} to anyone and nothing negative should be reported as negative on my credit report. 

It's impossible that to have bad debt and to be placed for collection and updated on XX/XX/XXXX with a past due amount of {$11000.00} when the amount should be {$0.00}!

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 non-monetary relief
Consumer complaint received 2023-01-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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 have 3 Inquiries that I want to dispute and get off my credit report I applied for these accounts and got denied after I was suggested by credit karma but I open my XXXX card and took out a loan on XXXX and Im thinking bank/creditors are looking at that like I might be risk but I am actually using my credit for my business and paying them back ASAP I would like to dispute Capital One XXXX Bank XXXX XX/XX/XXXX, XXXX XXXX ( Bank XXXX XX/XX/XXXX XXXX & XXXX ( Bank ) XX/XX/XXXX off my Hard Inquiries please give me a call @ XXXX if you need any additional information!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: EQUIFAX, INC.
State: OK
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 have this issue with both Equifax and XXXX. They are reporting the same debt twice on my report. The names of the company are different, but it's the SAME DEBT being reported twice. The names of the company are different and the amounts owed are different by as little as {$100.00} and as much as {$2000.00}. I have called, written letters, and followed their instructions to the letter, and it has only made it worse. They are also ALLOWING companies to renew the date when it comes close to 7 years and the debt dropping off. It borderline on being CRIMINAL. They hold me to higher standard, yet they openly and blatantly break the rules. Especially for those of that are are paying our debts, and trying to fix our credit. For example, they will say you don't have enough credit cards. Then when you apply, receive the card, maintain a XXXX balance BOTH credit companies say, you havee too many credit card accounts. I believe YOU GUYS ARE WELL AWARE that these2 credit reporting agencies, ESPECIALLY, engage in this practice. I know someone that has near perfect credit, and AS SOON as it nears OVER 800, both Equifax and XXXX DROP the score and come up with RIDICULOUS reasons they've dropped the score. How can you guys sleep at night knowing that those of us withcredit issues, ARE DOING TGE RIGHT THING, CONTINUE to be taken advantage of. It's RIDICULOUS. I'd bet money that ALL of you reading and responding, and coming up w excuses have NO CREDIT issues. Equifax AND XXXX reports have kept me from getting jobs, getting suitable housing and bettering our lives, because their shady practices. PLEASE HELP!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29
Company: Paypal Holdings, Inc
State: VA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
Company abused it's relationship with me to violate FCBA & collect money not due based on a SR22 violation of statute of limitations from 2021 creditor sent account to collections in XXXX when I own my own property

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31
Company: NAVY FEDERAL CREDIT UNION
State: TX
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 filed a dispute in regards to incorrect items on my credit report.It has been well over 30 days and I havent received any investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My Data was hacked per Equifax Credit Bureau, I had to go through an indepth process to try and limit further damage. I waited on the phone for long times to accomplish this. The other KEY of this problem is that EQUIFAX WAITED FOR MONTHS to advise THE CONSUMING PUBLIC OF THE BREACH OR HACK OF DATA. 

EQUIFAX HAD A DUTY TO PROTECT CONSUMER DATA, AND THEN IF BREACHED TO ADVISE US IMMEDIATELY, THEY DID NEITHER. SUPPOSEDLY, SOME WITHIN EQUIFAX IN FACT SOLD THEIR STOCK HOLDINGS PRIOR TO TELLING THE PUBLIC OF THE BREACH TO MINIMIZE PERSONAL FINANCIAL LOSS. THIS IN ITSELF IS " CRIMINAL ''. 

I WONT THEM HELD ACCOUNTABLE, I HAVE NO IDEA OF THE DAMAGE DONE UNTIL I START SEEING ACTIVITY. XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
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:
XXXX ; XXXX and Transunion should not be reporting a collection/chargeoff in the amount of {$7.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account was paid in 2015. I contacted a customer service representative with XXXX XXXX XXXX regarding this outstanding balance. I was never sent a bill nor did anyone ever contact me about any outstanding balance. I did not know that this account had gone to collections until I obtained my most recent copy of my credit report. This account needs to report a {$0.00} balance. This false reporting of a chargeoff is seriously harming my XXXX XXXX and this line item needs to be updated and/or removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on a 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 2018-03-27
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
On XX/XX/XXXX, Navient applied a forbearance to all 6 of my private student loans without my approval or knowledge. These forbearances ended on or about XX/XX/XXXX. On XX/XX/XXXX,  they applied another forbearance to 3 of my 6 private student loans, again without my approval or knowledge. These were applied purportedly due to " natural disasters '' in my area, yet I have not been impacted by any natural disasters at all. 

My private student loans with Navient have been a burden due to the amount of interest that has accrued, which has prevented me from being able repay them according to the payment plan I was given. 

I do not give Navient consent to apply forbearances to my loans without my approval. Forbearances only prolong and exaggerate the difficulties I already have in repaying Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: FIDELITY CAPITAL HOLDINGS, INC
State: IA
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Moved in XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX of XXXX. Finished my 1 year lease through XXXX XXXX XXXX and was month to month for the extra year that I resided. The new company that took over the building which was XXXX XXXX XXXX is telling me that I left my faucet running on full blast while I was at work and flooded the downstairs unit. Let me clarify before all this, I was dealing with a very bad black mold problem in the ceiling of my bedroom. In the pictures that I have you can clearly see where the mold was coming from. A LEAKING PIPE in my ceiling. So as far as my understanding, the Actually Clean worker that was in my unit drying my floors, told me that he was advised that a pipe bursted in the wall. Not to mention I went out of town for a week sometime in XXXX of XXXX and there was nobody using water in my unit. BUT when I returned, there was water in my full bathroom by my bathtub. I honestly think that XXXX XXXX XXXX was being CHEAP and wanted to make someone else responsible for their piping issue. Water comes DOWN not up, so once again, where did the mold come from? And how come the pipe bursted AFTER the mold came about from the LEAKING PIPE in my ceiling if this was a leaving the faucet running issue? ALSO, NOBODY BUT ME, has any proof as far as pictures.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: Square Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX Fl XXXX Account No. : XXXX XXXX XXXX XXXX Disputed Amount : {$75.00} Specific Transaction : XXXX XXXX XXXX Posting Date : XX/XX/2020 Card Ending XXXX XXXX XXXX, ( Authorized user-my mom ) She didn't authorize this transaction. This Transaction is fraud. It was taken via Cash App. The cash app account has been closed. We also communicated with Cash App and they advised us to contact the Credit Card Company for further assistance. Please reverse this item and charge it back to Square ( Cash App ). I dont know this person and I never sent money from my credit card to cash app.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22
Company: Chaplain Financial Services LLC
State: RI
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I keep receiving phone calls fro CFServices LLC, stating that they will contact my place of business and that my supervisor and or manager will have to sign documents and present them to me personally. i never heard of these people they do not specify who they are or what they are calling about. they have left threatening messages at my home, work and on my cell phone. 
its a recording that comes from a local number XXXX and tells me to call XXXX reference # XXXX and that if i do not they will serve me at my place of employement

Company response to consumer: Untimely response
Consumer complaint received 2021-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Fraud inquiries on Transunion : XXXX XXXX XXXX on XX/XX/2021 XXXX  XXXX  on XX/XX/2021 and XX/XX/2021 XXXX XXXX XXXX on XX/XX/2021 XXXX  XXXX on XX/XX/2021

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 2018-11-14
Company: SUNRISE CREDIT SERVICES, INC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Trying to buy a home. Ran my credit on XX/XX/XXXX and the XXXX  account came up. I called right away and paid. I need a letter of deletion and this removed from my account to buy my home they said to file through this website and XXXX   would allow it to be deleted

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 2019-03-19
Company: AMERICAN ADVISORS GROUP
State: VA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
This complaint follows two previous complaints XXXX and XXXX. 
Please incorporate those complaints into this complaint. The company AAG continues its practice of false statements to appease complaints file against AAG. 

See my attachments below for more detail.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: DISCOVER BANK
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is a complaint about Discover 's payment policy. Discover allowed a thief to make false payments that then bounced in order to exceed credit limit when I was not aware card had been stolen. Discover 's inefficiencies do not allow for payments to be held until the amount has cleared the bank. Multiple payments were made in a very short period and Discover did nothing to stop the thief. Discover controls the payment policies, not the consumer and should not be liable. Discover responded that my concerns were forwarded to leadership in the appropriate area. That doesn't benefit me after Discover 's payment policy created the damage. And then I was asked to " please contact Customer Assistance and Recovery department at XXXX XXXX XXXX XXXX to discuss repayment arrangements. '' I am sure that is to pay in full due to Discover 's inefficient payment policies in the year 2020.

Company response to consumer: Closed with explanation