BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-29
Company: Navient Solutions, LLC.
State: PA
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 believe I have been paying my loans every month for approximately 14 years now I have paid XXXX a month for 14 years which equals XXXX. I understand that this total does not take into account interest, etc. my loans have been transferred a minimum of 4 times by different services/lenders/consolidators, etc. number one when they are coming after you for these loans you are 21 yrs old most likely and fresh out of school. The only thing you know is that if you don't pay they garnish your wages. But since you are fresh out of school you most likely don't have the salary to support such high payments. You most likely agree to " whatever '' just to get going and pay. Somewhere along the way yo hear about consolidating so you only have one payment and these companies are not helpful. do not explain at all nor educate you on your various options and their impact. I have two loans that totaled XXXX ( back in XXXX ) and as I said I've paid over 53,000 only to be seeing a statement that says my balance owed is still XXXX ( XXXX ). I currently have a fixed interest rate of 4.75 % my entire career has been in XXXX XXXX ( XXXX ) working with XXXX XXXX, XXXX or XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, etc. I need someone or somewhere that I can trust to take a look at my loans and tell me over the LIFE of them what has been happening and where my money is going because NAVIENT my current loan servicing provider was not helpful at all. They only told me that they can see that I have a special extended payment plan that was offered to me by the Department of Education and that they are not familiar with what that is, or the terms and conditions. She was able to tell me if I make any modifications to it, I will not be able to get it back because Navient doesn't offer that.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
A home at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Florida XXXX was sold at public auction on XXXX XXXX, 2017 at the XXXX XXXX County Court House. The property had been recently refinanced and the company forwarded all closing documents to the trustee who continued his unethical practice of hindering trade and commerce and a violation of Florida Statute 542.18. The Trustee / Attorney violated Florida Bar rule 5-1.1, " by not following a directive of a client or protecting the interest of a client ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: Titan Revenue Solutions
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I had stopped payment on a check for a service that did not happen. ( No show ) since the banks wouldnt cash it the person cashed it at a store because I guess they dont check. I saw a mark on my credit, which is usually perfect. I called to find out what it was. The debt collection agency told me it was a check I wrote to someone else. They could only collect from me since the guy who cashed the check is a fraud. I was upset obviously but not talking foul. The debt collector said if I didnt speak to him in a nice tone he could do worst and keep this on my report even though he first said he would remove it. I honestly can not believe companies can hurt you this way based on their personal feelings. This isnt even my debt but I was forced to pay it or impact my credit and because I didnt say please and thank you he may do worse now as he suggested. I was forced to pay a debt Thay was not mine.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Capital One is stating I was late to the Credit Beau On XXXX XXXX, XXXX XXXX, XXXX XXXX & XXXX XXXX which i was not. I have bank statements to show otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29
Company: CITIBANK, N.A.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
As part of opening two bank accounts with Citi bank, I was promised a cash bonus as part of a promotional offer. I have met all the requirements for the cash bonus. I have contacted Citi bank several times and they keep changing their tune as to when the bonus will pay out. They acknowledge I have met the bonus requirement. They have changed the date of pay-out several times. The payment is months late. Many others report getting the same run-around from this bank.

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 monetary relief
Consumer complaint received 2018-02-23
Company: KINGS CREDIT SERVICES
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There are 9 medical bill from XXXX XXXX XXXX   hospital that have been sent to Kings Credit Services dating from XXXX to XXXX that should of been billed to XXXX. My daughter and I had insurance and we were seen several times over those 2 years yet these bills were still sent to collections. I have submitted proof from XXXX stating we did have ins. I also sent a letter from where we were see ( clinic ) showing proof we had ins, yet their billing dept says otherwise. Their response to this was they never received ins information, yet they were. I have tried several times to resolve this issue since XXXX. Their notes state that ins was never turned in but we seen them throughout out stay in XXXX and that was 2 years. I know that proof of ins was provided.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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: Information belongs to someone else

Complaint:
To Whom may concern : i have been trying to get this item off my credit report for months now. This account does not belong to me it shows as a authorize user. I tried calling the credit card company they cant removed it unless i know the password. i keep advising them i don't even know the person or the address that is affiliated with the account, so can you please looking into the account for me. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Since I received my Escrow Account Disclosure Statement in the mail on XX/XX/2020 I have attempted to reach Bank of America Mortgage customer service. I have attempted too many calls to list here during the weeks since. I have tried calling before XXXX XXXX  CT ( they open XXXX XXXX ET ), at XXXX XXXX   CT and never am told how long the wait time will be. I am on for 60+ minutes. They were going through a system upgrade a couple weeks ago, got someone on the line, and was told to call back the following " Monday '' and I will be able to speak to someone. 
I need to speak to someone to help me with a payment for my escrow account to prevent my monthly mortgage payment from going from up to an amount I can't afford each month. Well, that amount has gone up because " I '' didn't meet the deadline ( this wasn't my fault ). They don't answer their phones!!!!! 
Also, I contacted the mortgage department during XXXX of this year to look at refinancing, spoke to a mortgage officer who was in XXXX, gave her all of my personal information over the phone and she NEVER called me back. Very unsettling. 
This is a very simple request and they make it so hard. 
I don't care how many mortgage loans they process. They can do better than this. I would never refinance or finance amortgage if I knew it would be with B of A. 
I tried to go online but didn't have an account set up and now have to wait for a letter to come in the mail so I can access my account. 
I am concerned for their employees and for their borrowers in a much worse financial situation who have to deal with this. 
This has been the most frustrating customer service experience ever in my life. I understand much of this is due to COVID 19 but mortgage companies have got to be better than this.

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 2020-07-01
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
On XX/XX/2020 I filed a cfpb complaint against Experian for refusing to remove the XXXX late payment that was reporting on my credit report. On XX/XX/2020 while checking my Experian credit report I noticed that Experian completely removed the XXXX account " instead of just removing the late payment ''. I reached out to experian asking them to please place the XXXX account back onto my report which they refused to do, saying that I would have to contact XXXX. when I contacted XXXX they informed me that they did not remove the information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: Chime Financial Inc
State: SC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX -A unauthorized transaction was made where google it showed XXXX taking XXXX $ when. I disputed it chime gave me a provisional credit but then later reversed it when I did my own investigation XXXX told me the transaction was never completed and provided a transaction Id. Chime mad my account almost XXXX . When my SSI got deposited they took all of it for my account being overdrawn. They keep opening my credit builder account without my permission and not reporting the correct account information or payments made every month. When I told them they refused to correct any of the issues. I became XXXX  cause how they grossly and purposefully handled my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29
Company: FIRST NATIONAL BANK OF OMAHA
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:
This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 
If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest. 
Finally, assuming you do not possess inquiry authorization, I request that, you remove your unauthorized inquiries from my credit profiles send me confirmation that you have complied with my requests.

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 2020-07-01
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Experian XXXX. XXXX  XXXX XXXX, TX XXXX XX/XX/XXXX To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 1. ( XXXX XXXX XXXX & XX/XX/XXXX ) 2. ( EXPERIAN XXXX XXXX & XX/XX/XXXX ) 3. ( EXPERIAN XXXX XXXX & XX/XX/XXXX ) I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. 
My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC 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 2021-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 have attached accounts that are reporting inaccurate information to my credit bureaus and per the FCRA all information reported to my 3 credit bureaus should be accurate or deleted. I have attached all of th accounts reporting inaccurately with the highlighted inaccuracies.

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 2018-10-29
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: Credit inquiries on your report that you don't recognize

Complaint:
I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : XXXX XX/XX/2017. 
I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance.

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 2017-06-28
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
Credit Bureaus " XXXX '' and " EXPERIAN '' have reported on my Credit File of Three ( 3 ) " Bankruptcy '' whereas it should be only one ( 1 ). I have tried to explain in details and with supporting documentation via numerous Certified Mail and / or lengthy phone calls! To date, no response from the Credit Bureaus. <P/>The extra two alleged Bankruptcy were petitions to the Court to grant permission to sell my two properties in XX/XX/XXXX and again in XX/XX/XXXX ; not as filing bankruptcy once again. I request at a minimum the Credit Bureaus to delete the items listed below due to being reporting inaccurate information : XXXX ( as per Credit Report ) : a ) Filing Reference Number : XXXX dated XX/XX/XXXX (?? ) b ) Filing Reference Number : XXXX dated XX/XX/XXXX (?? ) c ) Filing Reference Number :  XXXX dated XX/XX/XXXX (?? ) EXPERIAN ( as per Credit Report ) : a ) Filing Reference Number : XXXX dated XX/XX/XXXX b ) Filing Reference Number : XXXX datedXX/XX/XXXX c ) Filing Reference Number : XXXX dated XX/XX/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 2018-04-07
Company: ECMC GROUP, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is not my debt. I never received any Communication about any debt. I spoke with the company they would provide proof of the debt.

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 2021-06-24
Company: EQUIFAX, INC.
State: OH
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:
he account listed below is reporting inaccurately on my credit report and it is in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : I also seen TWO DIFFERENT SOCIAL SECURITY NUMBERS on my reporXXXX 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 2020-05-14
Company: EQUIFAX, INC.
State: OH
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:
This is not my account. Please provide a Validation of Debt, Method of verification, and the original instrument of indebtedness.

Company response to consumer: Closed with explanation